REAL ESTATE

Survey of 20 Orange County and L.A. County lenders as of 3/18/09

Compiled by HSH Associates, Financial Publishers; www.hsh.com

*--* Loans to $417,000 Week ended Week ended Week ended 3/18/2009 3/11/2009 9/17/2008 30-year fixed 5.06%+0.35pt 5.23%+0.30pt 6.08%+0.38pt 15-year fixed 4.80%+0.42pt 4.99%+0.38pt 5.77%+0.43pt $417,000 and up 30-year fixed 6.74%+0.74pt 7.01%+0.77pt 7.47%+0.81pt 15-year fixed 6.84%+0.85pt 6.96%+0.50pt 6.85%+0.75pt Home equity lines 5.06% 5.06% 5.78% Home equity loans 8.77% 8.77% 8.73% 6-month LIBOR 1.86% 1.93% 3.25% 1-year Treasury 0.70% 0.68% 2.05% 6-month Treasury 0.45% 0.42% 1.87% 6-month CD 1.84% 1.82% 3.09% Prime rate 3.25% 3.25% 5.00% 11th District 1/2009 12/2008 7/2008 cost of funds 2.455% 2.757% 2.698% *--*