| Specials Home Equity Line of Credit with no points, application fees, or closing costs.* 5.99% APR six-month introductory rate from closing date
7.50%* APR (Prime - .25%) rate after six months with qualifying debt consolidation Your rate for the first six months will be a low 5.99%; after six months, you’ll enjoy a variable rate as low as 7.50% (Prime - .25%) depending on the amount of non-First National loan or credit card balances you transfer: | Transfer | APR After 6 Months* | | Noordwijk accommodation$50,000 or more | 7.50% (Prime - .25%) | | $20,000 - $49,999 | 7.75% (Prime + 0%) | | Less than $20,000 | 8.70% (Prime + .95%) | For more information or to apply, stop by any First National office, call (716) 258-1614, or e-mail us right here. *The APR will not exceed 15%. Prime equals the highest rate identified by stay overnight TartuThe Wall Street Journal as the Prime rate in its table entitled "Money Rates" as of the monthly determination date in the agreement. (As of November 20, 1998, APR based on Prime -.25%, Prime + 0%, and Prime + .95% was as shown in the table. These rates may vary.) You must carry insurance on the property that secures the line. If you cancel the line within 36 months of opening, you must reimburse First National for certain fees paid to third parties in connection with opening the line, generally totaling between $397 for a $20,000-line and $2,122 for a $250,000-line. Offer subject to change without prior notice.  | Member FDIC | |