Adjustable Rates
3 Year Adjustable Rate - 30 Year Term
 Rate  APR  Points
 6.250%  7.369%  1.000%
Fixed Rates
30 Year Fixed Rate
 Rate  APR  Points
 7.625%  7.743%  0.875%
15 Year Fixed Rate
 Rate  APR  Points
 6.375%  6.862%  2.750%