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Now the bank that guarantees great service guarantees your home equity rate will drop.

And drop. And drop...

Introducing the U.S. Bank EquiLine Rate Reward, the only Home
Equity Line of Credit with rates moving in the right direction – down!
Get these advantages today:
  • See your rate drop a full 1%
  • Tax savings*
  • No closing costs, points or fees
  • Easy application
  • Decision in minutes
  • Closing in as few as three days
  • Follows you even if you move
Don't hesitate – apply today! Your rate is guaranteed to drop .25%
every 6 months for the next 2 years!*

*The 7.75% variable Annual Percentage Rate (APR) is available with any new or existing U.S. Bank checking account and loan to value (LTV) of 80% or less. Higher rates apply for higher loan to values. The APR will vary at Prime Rate as published in The Wall Street Journal. As of March 29, 2006 the variable rates for lines of credit are 7.75% APR to 10.75% APR and will not exceed 25% APR. There is a floor rate of 3.99% APR. The margin and corresponding APR will be automatically lowered by .25% at 6, 12, 18 and 24 months from the note date. Rate Reward is available only on new relationships or increases of $20,000. To qualify for the Rate Reward, the account cannot have any delinquency that is greater then 30 days past due. A single delinquency will disqualify the account from future rate adjustments and revert back to the original margin. An annual fee of up to $90 may apply after the first year. Offer is effective for applications taken from April 3, 2006 – June 3, 2006 and 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. Member FDIC.

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