Conventional Home Loans
30 Year Fixed Rate
 Rate  APR  Points
 4.750%  4.809%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.250%  4.351%  0.000%
Residential 5/1 Portfolio LIBOR ARM
 Rate  APR  Points
 4.250%  5.319%  0.000%
Residential 7/1 Portfolio LIBOR ARM
 Rate  APR  Points
 4.250%  5.134%  0.000%