11_11.

                                            Rate Sheets for 11/11/11

                                        CONFORMING 30 YR. FIXED                                                3.750%

CONFORMING 15 YR. FIXED 3.125%

CONFORMING 5/1 2.500%

CONFORMING 5/1 INTEREST ONLY 2.625%

HIGH BALANCE CONF. 30 YR. FIXED 4.000%

HIGH BALANCE CONF. 15 YR. FIXED 3.375%

JUMBO 30 YR. FIXED 4.500%

JUMBO 5/1 ARM 3.000%

FHA & VA 30 YR. CONF. FIXED 3.750% & 3.750%

FHA & VA 15 YR. CONF. FIXED 3.125% & 3.250%

FHA & VA 30YR. HI BAL. CONF. FIXED 3.750% & 3.750%

MY COMMUNITY 30-YR. FIXED 4.250%

HOMEPATH 30 YR. FIXED 3.750%

OPEN ACCESS OR REFI PLUS 30 YR. FIXED 3.750%

HOME OWNERSHIP ACCELERATOR 3.345%

1 - MONTH LIBOR 0.2435%

12 - MONTH LIBOR 0.9059%

Conforming =/< $417,000 < H.B. Conforming < $697,500 < Jumbo

RATES CHANGE DAILY, ABOVE RATES PRICED @ PAR, 30 DAY LOCKS ASSUMED