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01/31 — 5/1 ARM: 3.500%*

FIXED Mortgage Rate* Points APR* 30 Year 4.750% 0.375 5.398% 15 Year 4.125% 0.500 4.902% INTEREST ONLY LOANS 5/1 LIBOR ARM 3.500% 1.000 4.196% 7/1 LIBOR ARM 4.000% 1.000 4.675% JUMBO LOANS 5/1 LIBOR ARM 3.900% 1.000 4.579% 30 Year 5.700% 1.000 6.318% *(1) Disclosures