9_5.

Rate Sheets for 9/5/08

CONFORMING 30 YR. FIXED                  6.00%

CONFORMING 15 YR. FIXED                   5.375%

CONFORMING 5/1 ARM                           5.625%

CONFORMING 3/1 ARM                           5.375%

AGENCY JUMBO 30 YR. FIXED               NA%

AGENCY JUMBO 15 YR. FIXED               NA%

AGENCY JUMBO 5/1 ARM                       NA%

JUMBO 30 YR. FIXED                             7.375%

JUMBO 15 YR. FIXED                               7.125%

JUMBO 5/1 ARM                                       6.625%

JUMBO 3/1 ARM                                     6.30%

FHA 30 YR. FIXED                                    5.75%
(Loans < $362,650)

FHA 30 YR. FIXED JUMBO                       6.125%
(Loans > $362,650)

PRIME RATE                                             5.00%

MTA INDEX                                               2.664%

COFI INDEX                                              2.698%

12 - month LIBOR                                                   3.179%

HOA INDEX                                               NA%

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

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