Rate offer is good for applications taken January 1, 2016, through March 31, 2016. All loans subject to credit and collateral approval. Geographic, product and other restrictions apply. The variable Annual Percentage Rate (APR) may be as low as Prime plus 0.50% when the CLTV is less than 70%, the loan is secured by a first lien on your primary residence, you have a minimum FICO of 720, and auto-debit of the regular HELOC monthly payment from a new or existing First Tennessee deposit account. Advertised rate only applies to line amounts less than $417,000. Request for a new Home Equity Line of Credit (HELOC) is subject to a minimum line amount of $10,000. New HELOCs for less than $25,000 will be subject to a Commitment Fee of $500. Your APR may be higher or lower than the advertised rate based on CLTV, credit history and other factors. Your APR can vary monthly based on the Prime Rate published daily in The Wall Street Journal. Prime was 3.50% as of December 17, 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 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.