|  | | For 05/13/2008 | | Programs | Rate | APR | P&I | | 30 Year (fixed) | 5.875% | 6.057% | $ 887 | | 15 Year (fixed) | 5.375% | 5.677% | $ 1,216 | | 3/1 Arm* | 5.625% | 5.495% | $ 863 | 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 | | |  | |