2_3.

                            Rate Sheets for 2/3/12

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

CONFORMING 15 YR. FIXED 2.875%

CONFORMING 5/1 2.500%

CONFORMING 5/1 INTEREST ONLY 2.625%

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 (All-time low) 2.375%

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

FHA & VA 15 YR. CONF. FIXED (new 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 (new 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