3_20.

Rate Sheets for 3/20/09

CONFORMING 30 YR. FIXED                            4.75%

CONFORMING 15 YR. FIXED                           4.375%

CONFORMING 5/1 INTEREST ONLY                 4.25%

CONFORMING AFFORDABLE PROGRAMS    5.625%

HIGH BALANCE 30 YR. FIXED                          5.00%

HIGH BALANCE 15 YR. FIXED                         4.625%

JUMBO 30 YR. FIXED                             6.75%+1/8th

JUMBO 15 YR. FIXED                                       5.875%

JUMBO 5/25 ARM                                             5.375%

JUMBO 3/1 ARM                                              5.125%

FHA/VA CONFORMING 30 YR. FIXED    4.375/4.875%

FHA/VA CONFORMING 15 YR. FIXED               4.50%

FHA/VA 30 YR. FIXED JUMBO                   5.00/5.25%

PRIME RATE                                                      3.25%

MTA INDEX                                                     1.5142%

COFI INDEX                                                      2.455%

12 - month LIBOR                                         2.0571%

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

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