All Adjustable Rate Mortgage (ARM) APR's are predicated on a 30 Year Amortization. ARM rates are based on the Wall Street Journal Prime Rate Index with a margin of between 0.000% and 1.500% depending on product. All adjustable rates mortgages (ARM) products are variable and may change after consummation of the loan. Any increase in APR will result in a higher payment.

All Adjustable Rate Mortgage (ARM) APR's are predicated on a 30 Year Amortization. ARM rates are based on the Wall Street Journal Prime Rate Index with a margin of between 0.000% and 1.500% depending on product. All adjustable rates mortgages (ARM) products are variable and may change after consummation of the loan. Any increase in APR will result in a higher payment.

All Adjustable Rate Mortgage (ARM) APR's are predicated on a 30 Year Amortization. ARM rates are based on the Wall Street Journal Prime Rate Index with a margin of between 0.000% and 1.500% depending on product. All adjustable rates mortgages (ARM) products are variable and may change after consummation of the loan. Any increase in APR will result in a higher payment.

All Adjustable Rate Mortgage (ARM) APR's are predicated on a 30 Year Amortization. ARM rates are based on the Wall Street Journal Prime Rate Index with a margin of between 0.000% and 1.500% depending on product. All adjustable rates mortgages (ARM) products are variable and may change after consummation of the loan. Any increase in APR will result in a higher payment.

* Initial one time draw. Amortized monthly automatic payment deductions from an Iron Country Checking Accounts is required. Loan must be at least $25,000 new money. Loans are subject to a $150 closing fee. On loans Property insurance required. Rates vary by overall credit worthiness and loan to value ratio of each applicant. Rates subject to change without notice. All New York state loans involving a lien on real estate will price at 1/4% above the posted rates. The Bank’s credit criteria apply.

* Initial one time draw. Amortized monthly automatic payment deductions from an Iron Country Checking Accounts is required. Loan must be at least $25,000 new money. Loans are subject to a $150 closing fee. On loans Property insurance required. Rates vary by overall credit worthiness and loan to value ratio of each applicant. Rates subject to change without notice. All New York state loans involving a lien on real estate will price at 1/4% above the posted rates. The Bank’s credit criteria apply.

*Home Equity Line of Credit Annual Percentage Rate (APR) is 2.75% for the first year. Thereafter, the APR will be based on the Prime Lending Rate as published in the Wall Street Journal and adjusts quarterly. Iron Country Banking provides customers with a 1/4% discount off the Prime Lending Rate. Automatic deduction payment option from Iron Country Banking checking account required. Prime Rate as of July 1, 2010, is 3.25%. The promotional Home Equity Line of Credit minimum Annual Percentage Rate (APR) is 4.00%. Monthly payment based on $25,000 borrowed. New outstanding balance of $25,000 or more required at closing. If line of credit agreement is paid down below $25,000 or closed within three years of activation, a prepayment fee of $500 applies. Loans of greater than $50,000 are subject to a $100 closing fee. Title insurance required for loans greater than $100,000. On loans less than $100,000 a copy of current title insurance required. If not provided, the purchase of title insurance will be required. 1-4 family owner-occupied properties only. Property insurance required. Rates vary by overall credit worthiness and loan-to-value ratio of each applicant. Rates subject to change without notice. All New York state loans involving a lien on real estate will prices at 1/4% above the posted rates. The bank's credit criteria apply. Minimum APR 4%, Maximum APR 18% - with Iron Country Banking relationship and new outstanding balance. Subject to a Minimum of 5% and a Maximum of 18% over the life of the loan.

*Home Equity Line of Credit Annual Percentage Rate (APR) is 2.75% for the first year. Thereafter, the APR will be based on the Prime Lending Rate as published in the Wall Street Journal and adjusts quarterly. Iron Country Banking provides customers with a 1/4% discount off the Prime Lending Rate. Automatic deduction payment option from Iron Country Banking checking account required. Prime Rate as of July 1, 2010, is 3.25%. The promotional Home Equity Line of Credit minimum Annual Percentage Rate (APR) is 4.00%. Monthly payment based on $25,000 borrowed. New outstanding balance of $25,000 or more required at closing. If line of credit agreement is paid down below $25,000 or closed within three years of activation, a prepayment fee of $500 applies. Loans of greater than $50,000 are subject to a $100 closing fee. Title insurance required for loans greater than $100,000. On loans less than $100,000 a copy of current title insurance required. If not provided, the purchase of title insurance will be required. 1-4 family owner-occupied properties only. Property insurance required. Rates vary by overall credit worthiness and loan-to-value ratio of each applicant. Rates subject to change without notice. All New York state loans involving a lien on real estate will prices at 1/4% above the posted rates. The bank's credit criteria apply. Minimum APR 4%, Maximum APR 18% - with Iron Country Banking relationship and new outstanding balance. Subject to a Minimum of 5% and a Maximum of 18% over the life of the loan.

Annual Percentage Rate (APR) quoted above are based on a representative $100,000 loan amount, with 20% down payment/equity for construction loans and 35% down payment/equity for land loans for the stated term and include the points listed. Rates are not guaranteed until lock-in and subject to change without notice. All loan applications subject to credit underwriting and property approval. Homeowners' Insurance and flood insurance (if applicable) required. Private Mortgage Insurance (PMI) is required if your downpayment / equity is less than 20%. Loan rates are for a first lien position on single family owner-occupied residences up to $500.000 (up to $417,000 for 30 year fixed). Call for rates available for 2-4 family owner occupied residences.

Annual Percentage Rate (APR) quoted above are based on a representative $100,000 loan amount, with 20% down payment/equity for construction loans and 35% down payment/equity for land loans for the stated term and include the points listed. Rates are not guaranteed until lock-in and subject to change without notice. All loan applications subject to credit underwriting and property approval. Homeowners' Insurance and flood insurance (if applicable) required. Private Mortgage Insurance (PMI) is required if your downpayment / equity is less than 20%. Loan rates are for a first lien position on single family owner-occupied residences up to $500.000 (up to $417,000 for 30 year fixed). Call for rates available for 2-4 family owner occupied residences.

Annual Percentage Rate (APR) quoted above are based on a representative $100,000 loan amount, with 20% down payment/equity for construction loans and 35% down payment/equity for land loans for the stated term and include the points listed. Rates are not guaranteed until lock-in and subject to change without notice. All loan applications subject to credit underwriting and property approval. Homeowners' Insurance and flood insurance (if applicable) required. Private Mortgage Insurance (PMI) is required if your downpayment / equity is less than 20%. Loan rates are for a first lien position on single family owner-occupied residences up to $500.000 (up to $417,000 for 30 year fixed). Call for rates available for 2-4 family owner occupied residences.

Annual Percentage Rate (APR) quoted above are based on a representative $100,000 loan amount, with 20% down payment/equity for construction loans and 35% down payment/equity for land loans for the stated term and include the points listed. Rates are not guaranteed until lock-in and subject to change without notice. All loan applications subject to credit underwriting and property approval. Homeowners' Insurance and flood insurance (if applicable) required. Private Mortgage Insurance (PMI) is required if your downpayment / equity is less than 20%. Loan rates are for a first lien position on single family owner-occupied residences up to $500.000 (up to $417,000 for 30 year fixed). Call for rates available for 2-4 family owner occupied residences.