Fall in LOVE All over Again. With a Lake Area Bank Home Equity Line of Credit (HELOC), home improvements have never been easier! There's no better time to fall in love with your home again 10-Year Term Availability Competitive Rates No Closing Costs* Appraisal credit of up to $175 and all other closing costs paid by Lake Area Bank. AHELOC provides maximum flexibility to use your credit line when you want, in any increment, for just about any purchase. Contact a Lake Area Banker and put your home to work for you today! www.lakeareabank.com LAKE AREA BANK Friends Serving Neighbors Since 1915 HUGO: 651-407-3137 FOREST LAKE: 651-464-9001 LINDSTROM: 651-257-1117 STILLWATER: 651-430-9500 WHITE BEAR LAKE: 651-653-9619 HELOCs are also commonly used for financing: a New Car/Boat/RV, Dream Vacation, or Debt Consolidation!