30 Year Fixed Rate
 Rate  APR  Points
 4.000%  4.265%  1.500%
 4.375%  4.514%  0.000%
Home Equity Line of Credit
 Rate  APR  Points
 3.875%  3.875%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.250%  3.767%  1.875%
 3.750%  3.990%  0.000%