30 Year Fixed Rate
 Rate  APR  Points
 4.375%  4.646%  1.500%
 4.750%  4.892%  0.000%
Home Equity Line of Credit
 Rate  APR  Points
 3.875%  3.875%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.750%  4.236%  1.625%
 4.250%  4.493%  0.000%