U.S. Bank 
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There's an easier way to get money from your home: 
a Home Equity Loan from U.S. Bank. 

5.99%* APR 20-year fixed rate 
No Payments for 90 Days! 

Take advantage of this offer without the worry of 
closing costs, points, or fees. 

Offer expires March 25, 2005. 
> Learn more: 
http://usbank.com/cgi_w/cfm/personal/products_and_services/loans_and_credit_lines/home_equity_loan_ps.cfm


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*5.99% fixed APR available for terms up to 20 years 
on home equity loans with a U.S. Bank checking 
account with ACH and loan-to-value (LTV) of 80% or 
less. Higher rates apply for higher LTVs. Minimum 
loan amount or increase of $10,000 required. Consult
your tax advisor regarding deductibility of interest. 
On a $10,000, 20 year loan at 5.99% APR, monthly 
payments would be $71.59. Payment example does not 
reflect the optional 90 days to first payment and 
interest and credit insurance premiums accrue during 
the 90-day no pay period. Rates subject to change. 
Offer is subject to normal credit qualifications. 
Some additional restrictions may apply. Not available 
with other discounts. Home equity loans are offered 
through U.S. Bank National Association. Member FDIC. 

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us, please add us to your Address Book 
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U.S. Bank. Please know that you can modify your 
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Deposit products offered by U.S. Bank, Member FDIC, 
Equal Housing Lender. 

U.S. Bank EP-MN-BB1R 2751 Shepard Road St. Paul, MN 55116