Conventional Home Loans
30 Year Fixed Rate
 Rate  APR  Points
 7.250%  7.324%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 7.000%  7.118%  0.000%
Residential 5/1 Portfolio T-Bill ARM
 Rate  APR  Points
 7.125%  7.913%  0.000%
Residential 7/1 Portfolio T-Bill ARM
 Rate  APR  Points
 7.625%  8.033%  0.000%