30 Year Fixed Rate
 Rate  APR  Points
 4.250%  4.563%  2.000%
 4.750%  4.892%  0.000%
Home Equity Line of Credit
 Rate  APR  Points
 4.375%  4.375%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.625%  4.166%  2.000%