REDIFINING WHAT YOUR HOME CAN BE.Your home is more than a place to live. It's that dream vacationyou've always wanted to take. It's a way to consolidate lingering credit card bills. Your home can even expand itself with a new kitchen or updated bathroom. With a Home Equity Line of Credit from First National Bank, you can use the equity in your home to get a low-interest loan and your home canEQUAL HOUSING LENDER. MEMBER FDIC become whatever you choose to make it.Apply at your First National Bank branch,or visit fnb-online.com.HOME EQUITY LINE OF CREDITLINE OF CREDIT 180 DAYVARIABLE INTRODUCTORY RATEAPR THEREAFTERHome Equity Line of Credit rate available on 85%combinedloan to value on single family, owner occupied residential properties. Minimumnew line of $25.000 required. Refinancing of any First National Bank loan requires an increase of $25.000, Property insurance is required.Title Insurance is required on lines of $500,000or more at borrower expense. Flood insurance may be required.Annual Percentage RateInterest rate willvary after introductory period as the WallStreet Journal'sPrime Rate changes to Prime minuso26% but will never exceedhe applicable state maximum rate which is 18% in Maryland Ohio, West Virginia, and South Carolina, 16% in North Carolina, and 15%inPennsylvania. This offer is ubject to geographical Nmitaons as determined by First Naonal Bank. Introductoryate is in effect for thefirst six months from the initial note date, As ofMarch 16, 2017, the Wall Streetournal's Prime Rate is 4.00% Consult with a tax advisorodetermine whether the interestyou pay is tax deductible, Annual Percentage Rate (APR) shown is available for qualified applicants as ofMarch 16, 2017. Your APR may be higher based on the prevailing variable rate index value, your credit qualifications, the amountof yourne, combined loan to value, and/or property type.Annual Fee: Annual fee of $socharged each anniversary date may apply.EarlyTermination Fee: Early termination fee of S350 may be assessed if line is closed within the first three years Lockoption Fee: Lockoptionfee of $75 for each lock. If the Lockoption feature is requested, your payment must be auomatically deducted from a First National Bankdeposit account and cannot be cancelled. Offer may be withdrawn at anyme without notice. Approval sublect to credit qualOther terms available at different rates. Fst National Bank NMLS 766529

Date: April 23, 2017

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REDIFINING WHAT YOUR HOME CAN BE. Your home is more than a place to live. It's that dream vacation you've always wanted to take. It's a way to consolidate lingering credit card bills. Your home can even expand itself with a new kitchen or updated bathroom. With a Home Equity Line of Credit from First National Bank, you can use the equity in your home to get a low-interest loan and your home can EQUAL HOUSING LENDER. MEMBER FDIC become whatever you choose to make it. Apply at your First National Bank branch,or visit fnb-online.com. HOME EQUITY LINE OF CREDITLINE OF CREDIT 180 DAY VARIABLE INTRODUCTORY RATE APR THEREAFTER Home Equity Line of Credit rate available on 85%combined loan to value on single family, owner occupied residential properties. Minimum new line of $25.000 required. Refinancing of any First National Bank loan requires an increase of $25.000, Property insurance is required. Title Insurance is required on lines of $500,000 or more at borrower expense. Flood insurance may be required. Annual Percentage Rate Interest rate willvary after introductory period as the WallStreet Journal'sPrime Rate changes to Prime minuso26% but will never exceed he applicable state maximum rate which is 18% in Maryland Ohio, West Virginia, and South Carolina, 16% in North Carolina, and 15%in Pennsylvania. This offer is ubject to geographical Nmita ons as determined by First Na onal Bank. Introductory ate is in effect for the first six months from the initial note date, As of March 16, 2017, the Wall Street ournal's Prime Rate is 4.00% Consult with a tax advisor odetermine whether the interestyou pay is tax deductible, Annual Percentage Rate (APR) shown is available for qualified applicants as of March 16, 2017. Your APR may be higher based on the prevailing variable rate index value, your credit qualifications, the amount of your ne, combined loan to value, and/or property type. Annual Fee: Annual fee of $socharged each anniversary date may apply. Early Termination Fee: Early termination fee of S350 may be assessed if line is closed within the first three years Lockoption Fee: Lockoption fee of $75 for each lock. If the Lockoption feature is requested, your payment must be au omatically deducted from a First National Bank deposit account and cannot be cancelled. Offer may be withdrawn at any me without notice. Approval subl ect to credit qual Other terms available at different rates. F st National Bank NMLS 766529