Turn home equity into home improvement. 12 Month Fixed Introductory Rate HELOC Special 6.08% APR* FIRST WESTERN BANK *Rate effective as of February 1, 2026; rates subject to change at any time. Annual Percentage Rate (APR) of 6.083% fixed for 12 months. After an introductory period of 12 months, rate may change as often as daily, but will go no higher than 18.250%. Most recent comparable rate at 6.75%. Subject to qualified credit. Not available with First Western refinanced money. Other loan fees, terms, and conditions may apply. Now through July 31, 2026. 190 S 3rd Ave | Lismore, Minnesota Member FDIC B EQUAL HOUSING LENDER Turn home equity into home improvement . 12 Month Fixed Introductory Rate HELOC Special 6.08 % APR * FIRST WESTERN BANK * Rate effective as of February 1 , 2026 ; rates subject to change at any time . Annual Percentage Rate ( APR ) of 6.083 % fixed for 12 months . After an introductory period of 12 months , rate may change as often as daily , but will go no higher than 18.250 % . Most recent comparable rate at 6.75 % . Subject to qualified credit . Not available with First Western refinanced money . Other loan fees , terms , and conditions may apply . Now through July 31 , 2026 . 190 S 3rd Ave | Lismore , Minnesota Member FDIC B EQUAL HOUSING LENDER