Home equity loan rates you’ll love. 651.215.3500 u www.spire-banking.com Locally owned and financially strong since 1934. 5.24 % APR* 6.24 5-year ter m 15-year te % APR* rm We’ll even pay your closing costs! ** *Rate effective 3/31/08 - 12/31/08. Rates above are for a Loan-to-Value up to 80%. 5. 24% for 5 (five) year term and 6.24% for 15(fifteen) year term. Cannot use loan proceeds to pay off any existing SPIRE debt. Borrower must Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government NCUA meet membership requirements to qualify for offer. Interest rates are subject to change and are subject to type of loan and borrower’s credit history. Other rates and terms available. See your tax advisor for details regarding interest deductibility. Property must be owner occupied and located in Minnesota or Wisconsin. Property Insurance is required. **Effective 3/31/08, No Closing Costs on all home equity loans up to $50,000. Terms & conditions of National Credit Union Administration, a U.S. Government Agency this No Closing Cost offer are as follows: Minimum loan amount of $10,000 (new money at SPIRE) and automatic payment will be required. This offer does not include appraisal fees, if required. For loans over $50,000 see a SPIRE Representative for additional details. SPIRE reserves the right to terminate the No Closing Cost offer at its discretion. No Closing Cost offer on loans in progress will be honored.