Muncie Times, Muncie, Delaware County, 5 April 2002 — Page 42

The Muncie Times, April 5, 2002, page 42

* First Merchants Bank's offer of 3.95% APR (Annual Percentage Rate) fixed for 60 days is available to borrowers with an excellent credit history and a loan-to-value of 80% or less. The “loan-to-value" is the appraised value of your home minus any outstanding mortgage balance. 60 days after the line of credit has been established, the interest rate will become variable, based on the Wall Street Journal prime lending rate.For example, based on the interest rate effective 12/12/01, the current variable rate would be 4.75% APR. Not all borrowers will qualify for First Merchants Bank’s lowest 60-day fixed introductory rate and variable postintroductory rate, based on credit criteria and/or loan-to-value greater than 80%. Please see us for specific details. All loans subject to credit approval. Advertised 3.95% APR fixed introductory rate is available through 4/15/02. Advertised 4.75% APR variable postintroductory rate may vary, based on the current Wall Street Journal prime lending rate. Please check with your tax advisor about interest deductibility.

MUNCIE, IN

Main Office

200 E. Jackson St.

747-1500

Bethel Avenue

3901 W. Bethel Ave.

747-1355

E. Jackson St.

101 S. Country Club Rd.

747-1332

Madison Street

2101 S. Madison St.

747-1541

Muncie Mall

McGalliard Rd. & Broadway

747-1341

Northwest

1628 W. McGalliard Rd.

747-1552

Southway

3700 S. Madison St.

747-1574

$. Tillotson Ave.

801 S. Tillotson Ave.

747-1335

Village

1701 University Ave.

747-1592

ALBANY, IN

937 W. Walnut St.

789-4426

DALEVILLE, IN

14500 Davis Dr.

378-7077

EATON, IN

107 E. Harris St.

396-3311

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