2_10.

                            Rate Sheets for 2/10/12

                CONFORMING 30 YR. FIXED                          (all-time low) 3.500%

CONFORMING 15 YR. FIXED 2.875%

CONFORMING 5/1 2.375%

CONFORMING 5/1 INTEREST ONLY 2.375%

HIGH BALANCE CONF. 30 YR. FIXED (all-time low) 3.750%

HIGH BALANCE CONF. 15 YR. FIXED (all-time low) 3.125%

JUMBO 30 YR. FIXED 4.250%
JUMBO 5/1 ARM 2.500%

FHA & VA 30 YR. CONF. FIXED (new lows) 3.375% & 3.375%

FHA & VA 15 YR. CONF. FIXED (all-time lows) 2.750% & 2.750%

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

                MY COMMUNITY 30-YR. FIXED                                             3.875%
                HOMEPATH 30 YR. FIXED                                 (all-time low) 3.500%
                OPEN ACCESS OR REFI PLUS 30 YR. FIXED                        3.500%

                GOOD NEIGHBOR 30 YR. FIXED                       (all-time low) 3.500%

                1 - MONTH LIBOR                                                                  0.2843%

                12 - MONTH LIBOR                                                                1.1162%

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

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