*The Annual Percentage Rate (APR) will vary at Prime Rate as published in the Wall Street Journal. As of May 20, 2007, the variable rate for lines of credit is Prime + 0% to Prime + 3% (8.25% APR to 11.25% APR). Rates vary by loan to value and credit limit. The rate will not exceed 25% APR. The floor rate is 4.99% APR. An annual fee of up to $90 may apply after the first year. Offer is subject to normal credit approval. Property insurance is required. Interest on amounts exceeding 100% of the available equity is not tax deductible. Consult your tax advisor regarding the deductibility of interest. Rates are subject to change. Some restrictions may apply. Home Equity loans and lines of credit are 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