Loans and Lines of Credit from U.S. Bank

The Annual Percentage Rate (APR) will vary at Prime Rate as published in the Wall Street Journal. As of June 30, 2010, the variable rate for lines of credit is Prime + 0.74% to Prime + 5.74% (3.99% APR to 8.99% APR). In parts of Arizona, California and Nevada the variable rate for lines of credit is Prime +1.00 - Prime +6.00% (4.25% APR to 9.25%). Rates vary by loan to value and credit limit. All rates assume customer has a U.S. Bank package with a U.S. Bank Checking Account. The rate will not exceed 25% APR. The floor rate is 3.25% APR. An annual fee of up to $90 may apply after the first year and can be waived with a U.S. Bank Platinum Package. The first Fixed Rate Option is free; each additional one is $50. 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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Approval for a U.S. Bank Premier Line is based on having a new or existing personal checking account, meeting U.S. Bank relationship requirements, and meeting underwriting policy guidelines, and normal credit qualifications.

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Loans and Lines of Credit