12_16.

                                            Rate Sheets for 12/16/11

                                        CONFORMING 30 YR. FIXED (new low)                                 3.625%

CONFORMING 15 YR. FIXED 3.000%

CONFORMING 5/1 (new low) 2.375%

CONFORMING 5/1 INTEREST ONLY 2.500%

HIGH BALANCE CONF. 30 YR. FIXED 3.750%

HIGH BALANCE CONF. 15 YR. FIXED (new low) 3.000%

JUMBO 30 YR. FIXED 4.375%

JUMBO 5/1 ARM (new low) 3.000%

FHA & VA 30 YR. CONF. FIXED (new lows) 3.625% & 3.500%

FHA & VA 15 YR. CONF. FIXED (new lows) 3.125% & 3.125%

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

MY COMMUNITY 30-YR. FIXED 4.000%

HOMEPATH 30 YR. FIXED 3.750%

OPEN ACCESS OR REFI PLUS 30 YR. FIXED (new low) 3.625%

                                        GOOD NEIGHBOR 30 YR. FIXED                                           3.750%

                                        1 - MONTH LIBOR                                                                0.2526%

                                        12 - MONTH LIBOR                                                              0.9934%

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

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