Rate offer good for applications taken April 1, 2015 through June 30, 2015 and the HELOC must be closed by August 14, 2015. All lines are subject to credit and collateral approval. Some restrictions apply. Fixed introductory rate of 1.99% is good for 12 months from closing date. After introductory period, the go to variable Annual Percentage Rate (APR) may be as low as Prime plus 0.95%. To obtain the advertised intro rate and rate thereafter, the CLTV must be 80% or less, the loan must be secured by a 1st or 2nd lien on your primary residence, is not used to purchase a residence, you must have a minimum FICO of 720, an auto-debit of the regular HELOC monthly payment from a new or existing FT deposit account, and a minimum line amount of $25,000. Advertised rate only applies to line amounts less than $417,000. New HELOCs for less than $25,000 will be subject to a Commitment Fee of $500. Your APR after the intro period may be higher or lower than the advertised rate based on lien position, CLTV, credit history and other factors. Your APR after the Intro period can vary monthly based on the Prime Rate published daily in The Wall Street Journal. Prime was 3.25% as of February 6, 2015. Your rate can never exceed 21% APR. All lines are subject to an Annual Fee up to $50. An early Termination Fee of the lesser of $500 or 2% of the initial credit limit will be charged for lines closed within 36 months for reasons other than refinance with First Tennessee or direct physical loss or damage of property. Direct physical loss or property damage does not include normal wear and tear or progressive deterioration. Property insurance required and flood insurance where necessary.