All offers of credit are subject to credit approval 1 Rate is for qualifying lines of credit. 2 The Internal Revenue Service allows homeowners to deduct interest on mortgage debt, including home equity lines of credit. Certain restrictions do apply, so please consult your tax advisor regarding the deductibility of interest.

All lines of credit are subject to satisfactory appraisal, title, and insurance. This offer is not transferable and is available to homeowners 18 years of age or older. The amount of the line for which you qualify depends upon your annual gross income and the lendable equity in your home (up to 85% of the current value of your home less any existing debt secured by your home). This offer is valid for owner-occupied, single-family residences, townhouses, and condominiums only. Co-ops and mobile homes are excluded from this offer. Borrower is responsible for appraisal (when required), title insurance, property taxes, recording fees, lien release fees (if any), flood determination fees, and credit bureau fees. Property insurance is required and flood insurance may be required.

Home Equity Lines of Credit are subject to approval. Advertised rate is subject to First Community Bank and Trust’s credit criteria, certain conditions and restrictions, including qualifying lines with 85% or less loan-to-value and a line amount of $5,000 or greater. All rates are subject to change at any time without notice and may be higher or lower than the rate currently offered. Your rate and the corresponding Annual Percentage Rate (APR) may be higher than the advertised rate and depends on the actual line amount, loan-to-value ratio of your home, your credit history, First Community Bank and Trust’s credit policies, and the date your application is received. The fully indexed Annual Percentage Rate (APR) on variable rate home equity lines of credit as of 7/14/08 range from 5.00% to 6.75%. Line amounts available from $5,000.00 and up. The APR on variable rate lines is determined by adding a margin to an index. For example, if we assume a prime rate index of 5.00% and a margin of .25%, the resulting daily periodic rate will be 5.25%. The Annual Percentage Rate (APR) on variable rate lines may increase or decrease, not to drop below 5.00% or rise above 18.00%. The maintenance fee is $30.00 per year. The extension fee for extending your line of credit is $100.00 plus actual costs. A $250.00 account-closing fee will be charged if the line is closed before its third anniversary. A $50.00 release fee will be charged only if closed after third anniversary. A $100.00 subordination fee may be charged. You must also pay certain fees to third parties, such as appraisers, credit reporting firms, and government agencies. These fees generally total $312.00 to $843.50. The following are an estimate of third parties fees: appraisal varies from $150.00 to $255.00; credit report varies from $19.50 to $39.00; official fee varies by county ($22.00 to $39.00 each document) (Mortgage, Extension Agreement, and Release); title search varies from $35.00 to $75.00 or title insurance varies from $295.00 to $425.00; flood determination is $18.50; tax service is $67.00. At the end of your term, a balloon payment may be required. Please call for more information regarding rates, fees, terms, conditions, and restrictions.