EFFECTIVE DATE: 4 APR 2008
Conforming — $417,000 or Less
| Conventional 30 Yr Fxd | 5.75% | 0 Pts |
| Conventional 15 Yr Fxd | 5.375% | 0 Pts |
| Conventional 5/1 A.R.M. | 5.625% | 0 Pts |
| Conventional 3/1 A.R.M. | 5.5% | 0 Pts |
| VA 30 Yr Fxd | 5.75% | 0 Pts |
JUMBO Products — $417,001 and Up
| JUMBO 30 Yr Fxd | 8.25% | 0 Pts |
| JUMBO 7/1 A.R.M. | 8.0% | 0 Pts |