3_6.

Rate Sheets for 3/6/09

CONFORMING 30 YR. FIXED                           4.875%

CONFORMING 15 YR. FIXED                             4.50%

CONFORMING 5/1 INTEREST ONLY               4.375%

CONFORMING AFFORDABLE PROGRAMS      5.00%

SUPER CONFORMING 30 YR. FIXED               5.375%

SUPER CONFORMING 15 YR. FIXED                 5.00%

JUMBO 30 YR. FIXED                                             NA

JUMBO 15 YR. FIXED                                             NA

JUMBO 5/1 ARM                                                     NA

JUMBO 3/1 ARM                                                    NA

FHA/VA CONFORMING 30 YR. FIXED      4.875/5.00%

FHA/VA CONFORMING 15 YR. FIXED      4.50/4.875%

FHA/VA 30 YR. FIXED JUMBO                   5.25/5.50%

PRIME RATE                                                      3.25%

MTA INDEX                                                     1.6333%

COFI INDEX                                                    2.7570%

12 - month LIBOR                                         1.9038%

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

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