Option A:

• Total Amount: $40,000
• Down Payment: $0
• Interest Rate: 5.49%**
• Loan Period: 20 Years
• Monthly Payment**: $274.93

Option B:

• Total Amount: $50,000
• Down Payment: $0
• Interest Rate: 6.99%**
• Loan Period: 25 Years
• Monthly Payment**: $353.07