8_22.

Rate Sheets for 8/22/08

CONFORMING 30 YR. FIXED                  6.375%

CONFORMING 15 YR. FIXED                   5.75%

CONFORMING 5/1 ARM                           5.625%

CONFORMING 3/1 ARM                           5.625%

AGENCY JUMBO 30 YR. FIXED               NA%

AGENCY JUMBO 15 YR. FIXED               NA%

AGENCY JUMBO 5/1 ARM                       NA%

JUMBO 30 YR. FIXED                             7.625%

JUMBO 15 YR. FIXED                               7.00%

JUMBO 5/1 ARM                                       6.625%

JUMBO 3/1 ARM                                     6.050%

FHA 30 YR. FIXED                                    6.00%
(Loans < $362,650)

FHA 30 YR. FIXED JUMBO                       6.375%
(Loans > $362,650)

PRIME RATE                                             5.00%

MTA INDEX                                               2.855%

COFI INDEX                                              2.829%

12 - month LIBOR                                                   NA%

HOA INDEX                                               NA%

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

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