Home Mortgage Rates

Product
 Rate
 Points
 Annual Percentage Rate (APR)**
 Payment per Thousand
30 Year Fixed
 5.750%
 1.500
 5.943%
 $5.84
15 Year Fixed
 5.375%
 2.000
 5.774%
 $8.10
30 Year Jumbo
 6.990%
 0.500
 7.105%
 $6.65
Construction/Permanent 3/1 ARM
 6.500%
 0.000
 6.108%
 $6.32
3/1 ARM
 5.990%
 0.000
 5.985%
 $5.99
3/1 Jumbo ARM
 5.990%
 0.000
 5.985%
 $5.99
5/1 ARM
 6.125%
 0.000
 5.996%
 $6.08
5/1 Jumbo ARM
 6.125%
 0.000
 5.996%
 $6.08
7/1 ARM
 6.250%
 0.000
 6.149%
 $6.16
7/1 Jumbo ARM
 6.250%
 0.000
 6.149%
 $6.16

IMPORTANT NOTICES
The annual percentage rates (APR) shown here, assume a 20% down payment.
All interest rates, APRs, and points are subject to change without notice.
Adjustable rate mortgage (ARM) APRs are subject to future increase or decrease as the Index changes.
Please contact your local branch for details.
Rates effective 10/6/2008