Member FDIC. Member of the Fulton Financial Family. The product is a variable rate line of credit secured by the primary residence and not exceeding an 80% loan to value ratio. This account includes a fixed rate option. This rate may vary, but once established as a new Fixed Rate Advance, will not vary thereafter. A $100 rate lock fee applies each time you establish a Fixed Rate Advance. The fee is waived if rate is locked at closing. Closing costs for lines of credit up to $500,000 typically range from approximately $120 to $563 depending on line amount, appraisal requirements and property location. In addition, title insurance is required if the line is used to purchase the property or the line is for $500,000 or more. Also, there is a $300 Trust Review fee, if applicable. Borrower must pay mortgage satisfaction fees at loan termination. Property insurance is required. Rate and terms subject to change and may be withdrawn without notice. Rates are available to qualified borrowers and loans are subject to credit approval. Introductory rate offer does not apply to refinance of existing FNB Bank debt or properties currently listed for sale.

1. The advertised 2.49% APR (Annual Percentage Rate) applies to new lines of credit with an advance of $5,000 or more at settlement and an automatic deduction of payment from a FNB Bank deposit account. Applications must be received by June 30, 2013. Borrowers with a credit score of 720 or better will receive 2.49% APR for 12 months from the opening date. For borrowers having a credit score of less than 720 (not receiving an introductory rate), APRs are variable and may range from 4.25% Wall Street Journal Prime (WSJP plus 1.00%) to 6.75% (WSJP plus 3.50%), depending on credit qualifications and payment option selected.

2.After the expiration of the 12-month introductory rate period, the APR will be based on the WSJP as published daily plus a margin or minimum APR of 3.99%, whichever is greater. The advertised 3.99% APR is our current standard rate with automatic deduction of payment from a FNB Bank deposit account. For borrowers having a credit score of 720 or better, depending on credit qualifications and payment option selected, APRs may range from 3.99% (Minimum) to 4.25% (WSJP plus 1.00%). APR may increase if automatic payment is discontinued. The maximum APR is 18.00%.