( a ) includes all home equity lines of credit that mature in 2016 or later , including those with borrowers where we have terminated borrowing privileges . ( b ) includes approximately $ 40 million , $ 48 million , $ 34 million , $ 26 million and $ 534 million of home equity lines of credit with balloon payments , including those where we have terminated borrowing privileges , with draw periods scheduled to end in 2016 , 2017 , 2018 , 2019 and 2020 and thereafter , respectively