11_14.

Rate Sheets for 11/14/08

CONFORMING 30 YR. FIXED                  5.75%

CONFORMING 15 YR. FIXED                   5.375%

CONFORMING 5/1 ARM                           5.25%

CONFORMING 3/1 ARM                           5.625%

AGENCY JUMBO 30 YR. FIXED               5.875%

AGENCY JUMBO 15 YR. FIXED               5.625%

AGENCY JUMBO 5/1 ARM                       5.375%

JUMBO 30 YR. FIXED                             7.75%

JUMBO 15 YR. FIXED                               7.75%

JUMBO 5/1 ARM                                       7.125%

JUMBO 3/1 ARM                                     5.875%

FHA 30 YR. FIXED                                    5.875%
(Loans < $362,650)

FHA 30 YR. FIXED JUMBO                       6.00%
(Loans > $362,650)

PRIME RATE                                             4.00%

MTA INDEX                                               2.479%

COFI INDEX                                              2.693%

12 - month LIBOR                                                   3.337%

HOA INDEX                                               NA%

conforming < $417,000 < “agency jumbo” < $697,500 < jumbo

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