Promotion effective for requests submitted 11/1/18 through 1/31/19. The promotional rates apply to up to five Fixed Rate Equity Loan Options (FRELO) during the draw period of your HELOC; it is available to existing and to new owner-occupant EEX accounts with an advance on the line of at least the minimum loan amount and automatic payment from an American Savings Bank checking account. Based on a 15-year fixed rate loan of $30,000 at 4.00% APR, there will be 180 monthly principal and interest payments of $221.91. Current non-promotional rates as of 10/15/18 is 7.75% for a 15-year fixed rate loan. Other FRELO terms and rates are available. FRELO may be added upon your request.