The document discusses discounts available on home equity accounts from Wells Fargo between January and February 2011. It states that a 0.5% total discount includes a 0.375% discount for having a Wells Fargo PMA package and a limited-time 0.125% bonus discount. Both discounts require automatic payments from a qualifying deposit account, and the interest rate will increase by 0.5% if either requirement is cancelled. Alternatively, a 0.125% discount is available for existing Wells Fargo mortgage customers with automatic payments, but the interest rate increase for cancelling automatic payments would be 0.25% instead. Discounts cannot reduce the interest rate below 4.24%. The limited bonus cannot be combined with other promotions.