|  | | For 07/23/2008 | | Programs | Rate | APR | P&I | | 30 Year (fixed) | 6.500% | 6.702% | $ 948 | | 15 Year (fixed) | 6.000% | 6.325% | $ 1,266 | | 3/1 Arm* | 6.250% | 5.940% | $ 924 | Calculations based on loan amount of $150,000 at an 80% loan-to-value. *ARM loans based on 30 year term and APR may increase after closing. | |  |  | | | | OR | | | |