Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of April 11, 2007

Compiled by National Financial News Services

*--* Latest week One week Six months previous previous Rates for loans up to $416,999 30-year fixed 5.88%/1.43 pt 5.86%/1.40 pt 5.96%/1.42 pt 30-year ARM start rate 3.51%/0.89 pt 3.51%/0.86 pt 2.96%/0.64 pt 15-year fixed 5.54%/1.52 pt 5.53%/1.47 pt 5.65%/1.38 pt Rates for loans of $417,000 and above 30-year fixed 6.22%/1.44 pt 6.21%/1.47 pt 6.26%/1.33 pt 30-year ARM start rate 3.54%/1.08 pt 3.54%/1.08 pt 3.13%/1.09 pt 15-year fixed 5.93%/1.43 pt 5.92%/1.42 pt 5.90%/1.36 pt FHA or VA mortgage Average / points 6.59%/1.82 pt 6.59%/1.82 pt 6.59%/1.48 pt CALVET 30-year 6.10%/0.00 pt 6.10%/0.00 pt 6.50%/0.00 pt 6-month LIBOR 5.330% 5.330% 5.360% 1-year Treasury bill 4.940% 4.900% 4.900% 6-month Treasury bill 5.090% 5.080% 5.020% 6-month CD 5.300% 5.290% 5.320% Prime rate 8.250% 8.250% 8.250% 11th District cost-of-funds Feb. ’07 Jan. ’07 Aug. ’06 4.376% 4.392% 4.277%

*--*