Effective as of 03/12/2010

Rates
Term	Interest Rate	Points	*APR	Maximum Loan Amount	Payment Per Thousand
15 Year Fixed**	4.375%	0	4.502%	$417,000.00	$7.59
15 Year Fixed**	4.250%	1.00	4.629%	$417,000.00	$7.52
30 Year Fixed**	5.125%	0	5.203%	$417,000.00	$5.44
30 Year Fixed**	4.875%	1.00	5.040%	$417,000.00	$5.29
30 Yr. Fixed Super Conforming**	5.250%	0	5.287%	$523,750.00***	$5.52
3/1 Adj.	4.375%	0	3.837%	$417,000.00	$4.99
3/1 Adj. Jumbo	4.625%	0	3.883%	$800,000.00	$5.14
5/1 Adj.	4.750%	0	4.075%	$417,000.00	$5.22
5/1 Adj. Jumbo	5.000%	0	4.244%	$800,000.00	$5.37
Home Equity Loan	4.50%	0	4.682%	$300,000.00	$7.65
Home Equity Line	4.250%	0	4.250%	$150,000.00	n/a
* APR- Annual Percentage Rate
* Rates and programs are subject to change.
* APR's assume a 20% down payment. The 5/1 ARM assumes a 30 year term with the interest rate fixed for the initial 60 months of the loan; the 3/1 ARM assumes a 30 year term with the interest rate fixed for the initial 36 months of the loan; thereafter the rate and payment may adjust every 12 months; interest rate caps of 2% annual and 6% lifetime, and a 2.625% margin.
*Rates assume a 740 minimum credit score and a 80% maximum Loan To Value (LTV).
**Rates based on a single family residence, owner occupied purchase transaction.
***Amount varies by location- please call for details.

15yr Fixed & 30 yr. Fixed
Annual Percentage Rate (APR) based on $200,000 loan amounts (unless noted) and Maximum Loan to Value (LTV) of 80% LTV.

30 yr. Fixed Jumbo
Annual Percentage Rate (APR) based on $675,000 loan amounts (unless noted) and Maximum Loan to Value (LTV) 80% LTV.

3/1 Adjustable & 5/1 Adjustable
Annual Percentage Rate (APR) based on $725,000 loan amounts (unless noted), Maximum Loan to Value (LTV) of 80% LTV and 30-year term. APR on adjustable rate programs may increase after consummation of mortgage. Caps 2%/6%.

Home Equity Line
After twelve months the Annual Percentage Rate (APR) is variable based on the Prime Rate as published in The Wall Street Journal, plus margin if applicable, on the last business day of the month. Maximum lifetime interest rate is 18%. New loans only. 1-4 family owner occupied properties only. Maximum total loan to value is 80%. May be subject to a satisfactory appraisal. An early cancellation fee may apply. Other restrictions apply.

Home Equity Loan
Refinancing available. May be subject to a satisfactory appraisal. 1-4 family owner-occupied properties only. Home Equity Loan based upon an amortization of 15 years.