5/18/2012 Program Rate APR Points Monthly Payment Per $100,000 Conforming 1 Yr ARM 3.500% 3.015%1 0.000% $449.04 Portfolio 3 Yr ARM 3.750% 3.161%2 0.000% $463.12   1Conforming 1 Yr ARM - The Annual Percentage Rate (APR) is based a loan amount of $100,000.00 with $1,033.00 of lender fees and 15 days of prepaid interest. This calculation assumes a minimum down payment of 20% with an occupancy type of owner for a single family dwelling purchase with full income documentation in the state of HI with a lock period of 30 days and no prepayment penalty. Maximum loan amount is $625,500.00 for a single family dwelling. 2Portfolio 3 Yr ARM - The Annual Percentage Rate (APR) is based a loan amount of $100,000.00 with $1,033.00 of lender fees and 15 days of prepaid interest. This calculation assumes a minimum down payment of 20% with an occupancy type of owner for a single family dwelling purchase with full income documentation in the state of HI with a lock period of 30 days and no prepayment penalty. Maximum loan amount is $625,500.00 for a single family dwelling. CUSO of Hawaii Services LLC, NMLS #325608 does not guarantee the availability of any particular interest rate, and any interest rate information provided to you is solely for your information and may be changed by CUSO of Hawaii Services LLC, NMLS #325608 at any time.