Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of Nov. 15, 2006

Compiled by National Financial News Services

*--* Latest week One week Six months previous previous Rates for loans up to $416,999 30-year fixed 5.83%/1.53 pt 5.81%/1.55 pt 6.30%/1.65 pt 30-year ARM start rate 3.51%/0.84 pt 2.96%/0.91 pt 3.15%/0.78 pt 15-year fixed 5.56%/1.47 pt 5.54%/1.51 pt 5.99%/1.46 pt Rates for loans of $417,000 and above 30-year fixed 6.11%/1.54 pt 6.10%/1.60 pt 6.53%/1.47 pt 30-year ARM start rate 3.55%/0.95 pt 3.29%/1.03 pt 3.19%/1.08 pt 15-year fixed 5.85%/1.42 pt 5.85%/1.46 pt 6.28%/1.44 pt FHA or VA mortgage Average / points 6.61%/1.50 pt 6.61%/1.50 pt 6.61%/1.09 pt CALVET 30-year 6.50%/0.00 pt 6.50%/0.00 pt 6.25%/0.00 pt 6-month LIBOR 5.400% 5.390% 5.250% 1-year Treasury bill 5.030% 5.000% 5.010% 6-month Treasury bill 5.160% 5.140% 5.020% 6-month CD 5.350% 5.330% 5.240% Prime rate 8.250% 8.250% 8.000% 11th District cost-of-funds Sept.’06 Aug. ’06 March ’06 4.382% 4.277% 3.624%

*--*