6_1.

                            Rate Sheets for 6/1/12

CONFORMING 30 YR. FIXED                                                 3.250%

CONFORMING 15 YR. FIXED 2.750%

CONFORMING 5/1 2.375%

CONFORMING 5/1 INTEREST ONLY 2.500%

HIGH BALANCE CONF. 30 YR. FIXED 3.500%

HIGH BALANCE CONF. 15 YR. FIXED 2.875%

JUMBO 30 YR. FIXED (new low) 3.875%

JUMBO 5/1 ARM 2.625%

FHA & VA 30 YR. CONF. FIXED 3.250% & 3.250%

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

FHA & VA 30YR. HI BAL. CONF. FIXED 3.250% & 3.250%

HOMEPATH 30 YR. FIXED 3.375%

OPEN ACCESS OR REFI PLUS 30 YR. FIXED 3.375%

MY COMMUNITY 30-YR. FIXED 3.675%

PORTFOLIO 15-YR. FIXED (to 850 K) 3.250%

PRIME RATE 3.250%

1 - MONTH LIBOR 0.2421%

12 - MONTH LIBOR 1.0489%

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

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