Mortgage Rates:

Adjustable Rate Mortgages ^1,2,3

Term/Type	Rate	APR	Monthly Payment	Rate Cap
			(Initial)	(Year)	(Life)
30-Yr 1 Yr ARM	5.125%	5.125%	$326.69	2.00%	6.00%
20-Yr 1 Yr ARM	5.125%	5.125%	$400.13	2.00%	6.00%
15-Yr 1 Yr ARM	5.125%	5.125%	$478.39	2.00%	6.00%
30-Yr 3 Yr ARM	6.000%	6.000%	$359.73	2.00%	6.00%
20-Yr 3 Yr ARM	6.000%	6.000%	$429.86	2.00%	6.00%
15-Yr 3 Yr ARM	6.000%	6.000%	$506.31	2.00%	6.00%
30-Yr 5 Yr ARM	6.875%	6.875%	$394.16	2.00%	6.00%
20-Yr 5 Yr ARM	6.875%	6.875%	$460.69	2.00%	6.00%
15-Yr 5 Yr ARM	6.875%	6.875%	$535.11	2.00%	6.00%
30-Yr 7 Yr ARM	7.125%	7.125%	$404.23	2.00%	6.00%
20-Yr 7 Yr ARM	7.125%	7.125%	$469.69	2.00%	6.00%
15-Yr 7 Yr ARM	7.125%	7.125%	$543.50	2.00%	6.00%
30-Yr 5/1 Yr ARM	5.750%	5.750%	$350.14	2.00%	6.00%
20-Yr 5/1 Yr ARM	5.625%	5.625%	$416.98	2.00%	6.00%
15-Yr 5/1 Yr ARM	5.375%	5.375%	$486.28	2.00%	6.00%
30-Yr 3/1 Yr ARM	5.625%	5.625%	$345.39	1.00%	5.00%
20-Yr 3/1 Yr ARM	5.500%	5.500%	$412.73	1.00%	5.00%
15-Yr 3/1 Yr ARM	5.250%	5.250%	$482.33	1.00%	5.00%
30-Yr 1/1 Yr ARM	5.375%	5.375%	$335.98	1.00%	5.00%
20-Yr 1/1 Yr ARM	5.250%	5.250%	$404.31	1.00%	5.00%
15-Yr 1/1 Yr ARM	5.000%	5.000%	$474.48	1.00%	5.00%

Fixed Rate Mortgages: Servicing Released ^1,3

Term/Type	APR	Term	Monthly Payment
30-Yr Conventional	6.000%	360	$359.73
20-Yr Conventional	5.875%	240	$425.54
15-Yr Conventional	5.625%	180	$494.24

Fixed Rate Mortgages: Servicing Retained ^1,3

Term/Type	APR	Term	Monthly Payment
30-Yr Conventional	6.250%	360	$369.43
20-Yr Conventional	6.125%	240	$434.20
15-Yr Conventional	5.875%	180	$502.27

Rates effective as of: May 9, 2008

¹ APR and monthly payments are based on a $60,000 loan with 20% down. The APR could be different based upon prepaids, PMI, and closing costs.
² The APR and payment are subject to increase after closing.
³ Rates subject to change daily.