Save time and money. It’s easy with a Home Equity solution from U.S. Bank. Turn credit card and other high-rate balances into one easy, lower monthly payment with a U.S. Bank Home Equity solution. With lower interest rates, you’ll do more than reduce the number of bills coming in – you’ll leave more money in your checking account each month! Get the advantages of a U.S. Bank Home Equity Account: •   Tax savings* •   No closing costs, points or fees •   Easy application •   Decision in minutes •   Close in as few as 3 days •   Choose from fixed or variable rates •   Get a 1% rate discount off our standard home equity rates with a     U.S. Bank Checking account Don’t hesitate. Get the cash you need now! *U.S. Bank EquiLine home equity lines of credit Annual Percentage Rates (APR) will vary at Prime Rate as published in the Wall Street Journal. As of January 9, 2006, the variable rates for lines of credit range from 7.25% APR (for loan to values of 80% or less) to 10.25% APR (for loan to values of 100% or more) in conjunction with any new or existing U.S. Bank checking account. There is a floor rate of 3.99% APR. The rate will not exceed 25% APR. An annual fee of up to $90 may apply after the first year. Fixed rate home equity installment loans are also available and priced separately. Contact us for installment loan rate information. Offer is subject to normal credit approval. Property insurance is required. Rates subject to change. Some restrictions may apply. Interest on amounts exceeding 100% of available equity is not tax deductible. Consult your tax advisor regarding tax deductibility. Offered through U.S. Bank National Association ND. To ensure that you continue to receive email from us, please add us to your Address Book (1800USBanks@usbank-email.com). Thank you. You are receiving this email as a courtesy from U.S. Bank. Please know that you can modify your preferences or be removed from our mailing list at any time. View the U.S. Bank Privacy Policy. We will never send you an email asking for personal information. Learn more at usbank.com. U.S. Bank · EP-MN-BB1R · 2751 Shepard Road · St. Paul, MN 55116