16. What is your EBC if you pay off the loan over the full 30 years (rounded to 2 decimal places)? 3.76% 4.20% 4.46% 4.51% 17. What is your EBC if you pay off the loan in 10 years (rounded to 2 decimal places)? . 4.20% 4.61% 4.709 6.36% . 18. What is your EBC if you pay off the loan in 3 years (rounded to 2 decimal places)? 4.31% 5.54% . 5.70% 6.36% . . . . . 19. What is the lender's yield if the loan is paid off in 30 years (rounded to 2 decimal places)? 3.76 4.20% 4,46% 4.51% 20. What is the lender's yield if the loan is aid off in 10 years (rounded to 2 decimal places)? 4.20% 4.61% 4.70% 6.86% . . . . . 21. What is the lender's yield if the loan is paid off in 3 years (rounded to 2 decimal places)? 5.31% 5.54% 5.70% 6.36% 22.XYZ Bank offers the following alternative: instead of charging 2 discount points and a 1 point origination fee, it will only charge 1 discount point and no origination fee, but will increase the interest rate to 5.16%