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. ©2011 U.S. Bancorp. Member FDIC.

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Smart Refinance Loan - 5.25% fixed Annual Percentage Rate (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. ©2011 U.S. Bancorp, U.S. Bank. Member FDIC. Equal Housing Lender

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This offer is only eligible for one unit, owner occupied primary residences and one unit second homes. Refinance transactions must meet all investor requirements which include but are not limited to: minimum credit and employment standards, LTV and CLTV maximums, private mortgage insurance if the LTV is greater than 80%, execution of a subordination agreement for all junior/second liens, a new appraisal and, any other requirements or fees set forth by the investor necessary to obtain credit or property loan approval.

Standard U. S. Bank Home Mortgage closing costs will be assessed on your new loan including a non-refundable application fee of $300.00, due at time of loan application. An escrow waiver fee of .25% is required (as allowed under state law) for loans without an escrow account. For additional loan and fee details please call us toll-free at 1-800-365-8544.

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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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