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Program	Rate	Points	APR
Conforming 5 Year ARM	3.500%	0.0	3.500%
Conforming 15 Year Fixed	rate not available
Pick A Pay	.500%	1.0	.552%
Conforming 3 Year ARM	3.500%	0.0	3.500%
Conforming 30 Year Fixed	5.375%	0.125	5.386%
Non-Conforming 30 Year Fixed	5.375%	0.0	5.375%