3_23.

                            Rate Sheets for 3/23/12

CONFORMING 30 YR. FIXED                                                 3.750%

CONFORMING 15 YR. FIXED 3.000%

CONFORMING 5/1 2.375%

CONFORMING 5/1 INTEREST ONLY 2.500%

HIGH BALANCE CONF. 30 YR. FIXED 3.875%

HIGH BALANCE CONF. 15 YR. FIXED 3.125%

JUMBO 30 YR. FIXED 4.500%

JUMBO 5/1 ARM 2.750%

FHA & VA 30 YR. CONF. FIXED 3.500% & 3.750%

FHA & VA 15 YR. CONF. FIXED 2.875% & 2.875%

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

HOMEPATH 30 YR. FIXED 3.750%

OPEN ACCESS OR REFI PLUS 30 YR. FIXED 3.750%

MY COMMUNITY 30-YR. FIXED 4.000%

GOOD NEIGHBOR 30 YR. FIXED 3.750%

1 - MONTH LIBOR 0.2513%

12 - MONTH LIBOR 1.0732%

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

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