The Annual Percentage Rate (APR) will vary at Prime Rate as published in the Wall Street Journal. As of Sept 1st, 2011, 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. 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.

Home Equity Loan - 7.99% fixed Annual Percentage Rate is available for 30-year second position home equity installment loan with loan-to-value of 70% or less than 80% or less depending on market. Higher rates apply for higher LTV or other loan amount. Automatic payments from a U.S. Bank Package required. Loan payment example: on a $40,000 loan for 360 months at 7.99% interest rate, monthly payments would be $293.23. No customer paid closing costs, APR is 7.99%. Payment example does not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included and an initial customer deposit may be required if an escrow account for these items is established. Offer is subject to normal credit qualifications. Rates are subject to change. Property insurance is required. *Consult your tax advisor regarding the deductibility of interest. Home Equity loans and lines of credit are offered through U.S. Bank National Association ND. ©2012 U.S. Bancorp. Member FDIC.

Smart Refinance Loan - 5.25% fixed Annual PercentageRate (APR) is available for 20-year first position home equity installment loans $40,000 to $250,000 with loan-to-value of 70% or less or 80% or less depending on market. Higher rates apply for higher LTV or other loan amount. Automatic payments from a U.S. Bank Package required. Loan payment example: on a $40,000 loan for 240 months at 5.25% interest rate. Monthly payments would be $269.54. No customer paid closing costs, APR is 5.25%. Payment example does not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included and an initial customer deposit may be required if an escrow account for these items is established. Offer is subject to normal credit qualifications. Rates are subject to change. Property insurance is required. Consult your tax advisor regarding the deductibility of interest. Home Equity loans and lines of credit are offered through U.S. Bank National Association ND. ©2012 U.S. Bancorp, U.S. Bank. Member FDIC.

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