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ender, Minnesota. This is not an offer to enter an interest rate lock-in agreement. Licensed First Mortgage Banker and Secondary Mortgage Lender by Pennsylvania Department of Banking. PHH Mortgage Services is an Equal Housing Lender. Contact us today! Call 1.800-AXP-1008 or go to www.americanexpress. com/mortgages. Use offer

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ender, Minnesota. This is not an offer to enter an interest rate lock-in agreement. Licensed First Mortgage Banker and Secondary Mortgage Lender by Pennsylvania Department of Banking. PHH Mortgage Services Is an Equal Housing Lender. Contact us today! Call 1.800-AXP-1008 or go to vnyvtamericanexpress. com/mortgages. Use offe

f the greatest of the three calculations immediately above is the current month's billed Finance Charges, then we will add $15 to the calculation of the Minimum Payment. You may pay more than the Minimum Payment, up to the entire New Balance, at any time." BP/CO2FYI/0304 EFTA01704111 DUPLICATE COPY G MAXWELL P

Lender, tAmesota This is not an offer to enter an interest rate lock-in agreement. Licensed First Mortgage Banker and Secondary Mortgage Lender by Pennsylvania Department of Banking. PHH Mortgage Services is an Equal Housing Lender. Contact us today! Call 1.800-AXP-1008 or go to www.amerlcanexpress. comlmortgages. Use offer

f the greatest of the three calculations immediately above is the current month's billed Finance Charges, then we will add $15 to the calculation of the Minimum Payment. You may pay more than the Minimum Payment, up to the entire New Balance, at any time' BP/CO1FYI/0304 EFTA01704917 DUPLICATE COPY ammo For JEF

ender, Minnesota. This is not an offer to enter an interest rate lock-in agreement. Licensed First Mortgage Banker and Secondary Mortgage Lander by Pennsylvania Department of Banking. PHH Mortgage Services is an Equal Housing Lender. Contact us today! Call 1.800-AXP•1008 or go to www.americanexpress. con/mortgages. Use offer

f the greatest of the three calculations immediately above Is the current month's billed Finance Charges, then we will add $15 to the calculation of the Minimum Payment. You may pay more than the Minimum Payment, up to the entire New Balance, at any time." BP/CO2FYI/0304 EFTA01726625 DUPLICATE COPY Ed F.:: Pag