*Annual Percentage Rate. Disclosed promotional rate based on 80% loan to value (LTV) which is valid for 6 months from time of closing. Rate applies to Home Equity Lines of Credit (HELOC) with automatic debit from a new or existing First Minnesota Bank checking account. Promotional rate offered as of December 19, 2016 and subject to change without notice. Variable rate after 6 month promotional offer based on Wall Street Journal Prime plus 1.00%. WSJ Prime rate as of December 19, 2016 3.75%. After promotional rate, the APR can change daily. Requires monthly interest payment with a balloon payment due at five year maturity. Maximum APR of 21.75%, minimum APR of 5.00%. Promotional rate available only to new HELOC customers. Origination fee of 0.5% - 1.0%. Minimum credit line amount of $10,000, maximum $150,000. The following fees may apply; $25.00 maintenance fee (due at closing and annually) and $150 document preparation fee (due at closing). Other third party fees that may apply to open the line range from $725.00 to $1,775 based on loan amount. Pre payment penalty 1% of the credit limit (due at the time of payoff) if account is terminated within 18 months of origination. Homeowners insurance is required. Subject to credit approval. Valid for primary residence only. Excludes manufactured and mobile homes. **See your tax adviser for tax benefits.