Rates(%)*	Points	APR(%)*	Monthly Payment*
Adjustable Rates
10/1
10/1 ARM Interest Only
7/1
5/1
3/1
3/1 ARM 10yr Interest Only
5/1 ARM 10yr Interest Only
7/1 ARM 10yr Interest Only
Fixed Rates
40yr
30yr
25yr
20 yr
15yr
10yr

Explanation of Terms *APR and Monthly Payment The APR and Monthly Payment calculation is based on a loan amount of $250,000.00 for the purchase of an owner occupied property, with 75% Loan-to-Value (LTV), closing costs of $860.00 plus points shown, 15 days of prepaid interest and a 60-day lock. The APR shown for Adjustable Rate Mortgages (ARMs) may be increased or decreased after consummation. *Current rates Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best-qualified customers. Your individual rate may vary. Payment Stream Information

	Rates(%)*	Points*	APR(%)	Monthly Payment*
Adjustable Rates
10/1 Jumbo ARM Interest Only
7/1 Jumbo LIBOR ARM
5/1 Jumbo LIBOR ARM
3/1 Jumbo LIBOR ARM
7/1 Jumbo LIBOR ARM 10 yr Interest Only
5/1 Jumbo LIBOR ARM 10 yr Interest Only
3/1 Jumbo LIBOR ARM 10 yr Interest Only
Fixed Rates
30 yr Jumbo Fixed
20 yr Jumbo Fixed
15 yr Jumbo Fixed
30 yr Fixed P&I Jumbo
15 yr Fixed P&I Jumbo
10 yr Fixed P&I Jumbo

Explanation of Terms *APR and Monthly Payment The APR and Monthly Payment calculation is based on a loan amount of $640,000.00 for the purchase of a owner occupied, with 80% Loan-to-Value (LTV), closing costs of $1,213.00 plus points shown, 15 days of prepaid interest and a 60-day lock. The APR shown for Adjustable Rate Mortgages (ARMs) may be increased or decreased after consummation. *Current rates Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best-qualified customers. Your individual rate may vary. Payment Stream Information