Conventional
30 Year Fixed Rate
 Rate  APR  Points
 4.750%  4.834%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.125%  4.193%  0.000%
5/3 Adjustable Rate Mortgage
 Rate  APR  Points
 4.750%  4.789%  0.000%
Home Equity
Fixed Rate HELOC
 Rate  APR  Points
 4.750%  4.750%  0.000%
5 Year Closed End Home Equity
 Rate  APR  Points
 4.750%  4.756%  0.000%