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1.800.NBT.BANK •
Location Information
*Offer available for 1-4 family owner-occupied residence with a maximum loan-to-value of 80% and with autodraft from an NBT Bank checking account and with the payoff of $25,000 in non-NBT Bank debt. Other loan options are available. Rates shown are as of February 25, 2008. Prime minus 3.26%, currently 2.74% APR, is an introductory rate for the first three billing cycles. After that the rate will be Prime minus .25%, currently 5.75% APR, with autodraft of monthly payment. The APR during and after the introductory discount period is variable and may change monthly, based upon changes in the Prime Rate, but will not exceed 15.90% APR. After the introductory discount period, the APR will not fall below 5.25%. The Prime Rate is the highest prime rate published by the Wall Street Journal on the tenth day of the preceding month. Property insurance is required. Title insurance is required for loans over $250,000. If you cancel the line of credit within four years, you must reimburse us for third party fees paid in connection with opening the line. Closing costs paid to third parties generally total between $275 and $2,500 (NY only). See your tax advisor for details on the tax deductibility of interest. Offers subject to credit approval and are for new accounts only. Additional terms and conditions may apply, depending on the type of collateral and other loan terms offered or chosen. Offer subject to change without notice.
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