4_13.

                            Rate Sheets for 4/13/12

CONFORMING 30 YR. FIXED                                                 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 3.750%

HIGH BALANCE CONF. 15 YR. FIXED 2.875%

JUMBO 30 YR. FIXED 4.250%

JUMBO 5/1 ARM 2.500%

FHA & VA 30 YR. CONF. FIXED 3.375% & 3.375%

FHA & VA 15 YR. CONF. FIXED 2.750% & 2.750%

FHA & VA 30YR. HI BAL. CONF. FIXED 3.500% & 3.625%

HOMEPATH 30 YR. FIXED 3.625%

OPEN ACCESS OR REFI PLUS 30 YR. FIXED 3.500%

MY COMMUNITY 30-YR. FIXED 3.750%

PORTFOLIO 5/1 ARM (to 850 K) 3.875%

PRIME RATE 3.250%

1 - MONTH LIBOR 0.2420%

12 - MONTH LIBOR 1.0540%

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

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