1Reflects .50% reduction on FNCB’s standard personal loan rates. Promotional rates on personal loans range from 7.24% with an annual percentage rate (APR) of 7.24% for 36 months with a monthly payment of $30.99 per $1,000 borrowed to 11.24% with an APR of 11.24% for 60 months with a monthly payment of $21.86 per $1,000 borrowed. All APRs are based on $5,000.00 loan amounts. 2$40 document preparation fee will be waived. Special offers valid on loan applications received by 2/28/17. Loan terms are accurate as of 1/2/17 and are subject to change without notice. All loans are subject to credit approval.