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None. I am XXXX years old, and English is my second language. My daughter, XXXX XXXX, has been helping me at Banner Bank with my HELOC. She has been requesting a fixed interest rate for my Heloc for over one year. Banner Bank has refused to offer me a fixed interest rate, and my payment has more than quadrupled. She began making this request in XXXX of 2022. My loan allows me to rollover my interest rate to a fixed interest rate any time during my draw period. Banner Bank has been illegally charging me every month refusing to honor the terms of their own promissory note.