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Rates - 1 Year ARM

	2008				2007
	Rate	Pts	Margin		Rate	Pts	Margin
January	5.23	0.6	2.75		5.47	0.5	2.75
February	5.03	0.6	2.75		5.51	0.7	2.76
March	5.12	0.6	2.74		5.44	0.6	2.75
April	5.19	0.6	2.75		5.45	0.6	2.76
May	5.24	0.6	2.75		5.52	0.7	2.76
June	5.15	0.6	2.75		5.68	0.7	2.77
July	5.24	0.6	2.73		5.71	0.5	2.75
August	5.26	0.6	2.74		5.67	0.6	2.75
September	5.14	0.6	2.74		5.66	0.7	2.76
October	5.21	0.6	2.75		5.68	0.6	2.76
November					5.48	0.6	2.74
December					5.50	0.6	2.74
Annual Average:					5.56	0.6	2.75

	2006				2005
	Rate	Pts	Margin		Rate	Pts	Margin
January	5.17	0.6	2.77		4.12	0.7	2.79
February	5.34	0.7	2.79		4.16	0.8	2.78
March	5.42	0.8	2.77		4.23	0.8	2.78
April	5.62	0.8	2.77		4.25	0.6	2.77
May	5.63	0.7	2.77		4.23	0.7	2.77
June	5.71	0.7	2.76		4.24	0.6	2.77
July	5.79	0.7	2.75		4.40	0.7	2.76
August	5.64	0.7	2.74		4.55	0.7	2.77
September	5.56	0.7	2.76		4.51	0.7	2.77
October	5.55	0.7	2.76		4.86	0.7	2.77
November	5.51	0.6	2.75		5.14	0.6	2.76
December	5.45	0.7	2.77		5.17	0.7	2.77
Annual Average:	5.54	0.7	2.76		4.49	0.7	2.77

	2004				2003
	Rate	Pts	Margin		Rate	Pts	Margin
January	3.63	0.7	2.76		3.99	0.7	2.77
February	3.55	0.7	2.76		3.86	0.7	2.77
March	3.41	0.6	2.77		3.76	0.6	2.77
April	3.65	0.6	2.76		3.80	0.6	2.77
May	3.88	0.7	2.75		3.66	0.6	2.77
June	4.10	0.7	2.76		3.52	0.6	2.76
July	4.11	0.7	2.77		3.57	0.6	2.76
August	4.06	0.6	2.77		3.79	0.7	2.76
September	3.99	0.7	2.80		3.86	0.6	2.77
October	4.02	0.7	2.78		3.74	0.6	2.76
November	4.15	0.7	2.78		3.75	0.7	2.77
December	4.18	0.6	2.79		3.75	0.6	2.76
Annual Average:	3.90	0.7	2.77		3.76	0.6	2.76

	2002				2001
	Rate	Pts	Margin		Rate	Pts	Margin
January	5.18	0.8	2.78		6.70	0.9	2.78
February	5.03	0.7	2.78		6.46	0.9	2.78
March	5.06	0.7	2.78		6.28	0.9	2.78
April	4.96	0.8	2.78		6.11	0.9	2.78
May	4.79	0.7	2.77		5.88	0.9	2.78
June	4.65	0.5	2.76		5.81	0.9	2.78
July	4.51	0.5	2.77		5.71	0.9	2.78
August	4.38	0.6	2.76		5.71	0.9	2.78
September	4.29	0.6	2.78		5.57	0.9	2.77
October	4.27	0.6	2.78		5.28	0.9	2.76
November	4.16	0.6	2.77		5.20	0.8	2.74
December	4.12	0.6	2.78		5.23	0.8	2.78
Annual Average:	4.62	0.7	2.77		5.82	0.9	2.77

	2000				1999
	Rate	Pts	Margin		Rate	Pts	Margin
January	6.61	1.1	2.78		5.59	1.1	2.79
February	6.72	1.0	2.78		5.65	1.0	2.79
March	6.72	1.0	2.78		5.77	0.9	2.79
April	6.80	1.0	2.78		5.60	1.1	2.80
May	7.07	1.0	2.78		5.72	1.1	2.79
June	7.24	0.9	2.78		5.91	1.0	2.79
July	7.28	0.9	2.78		5.99	1.0	2.79
August	7.29	0.9	2.78		6.18	1.1	2.79
September	7.27	1.0	2.78		6.20	1.1	2.79
October	7.23	1.0	2.78		6.27	1.1	2.79
November	7.22	0.9	2.78		6.36	1.1	2.78
December	7.09	0.9	2.78		6.53	1.1	2.79
Annual Average:	7.04	1.0	2.78		5.99	1.1	2.79

	1998				1997
	Rate	Pts	Margin		Rate	Pts	Margin
January	5.54	1.2	2.79		5.56	1.4	2.79
February	5.60	1.2	2.79		5.49	1.4	2.78
March	5.69	1.2	2.79		5.64	1.4	2.78
April	5.67	1.1	2.79		5.87	1.5	2.79
May	5.69	1.1	2.79		5.81	1.4	2.79
June	5.69	1.1	2.79		5.69	1.5	2.79
July	5.63	1.1	2.79		5.57	1.4	2.79
August	5.59	1.1	2.79		5.55	1.5	2.79
September	5.47	1.1	2.79		5.55	1.4	2.79
October	5.38	1.0	2.79		5.51	1.4	2.79
November	5.53	1.0	2.79		5.49	1.4	2.79
December	5.56	1.0	2.79		5.52	1.5	2.79
Annual Average:	5.58	1.1	2.79		5.61	1.4	2.79

	1996				1995
	Rate	Pts	Margin		Rate	Pts	Margin
January	5.44	1.4	2.79		6.82	1.5	2.80
February	5.31	1.4	2.80		6.68	1.5	2.80
March	5.51	1.4	2.79		6.45	1.5	2.80
April	5.73	1.4	2.79		6.35	1.5	2.80
May	5.77	1.5	2.79		6.14	1.5	2.79
June	5.92	1.4	2.79		5.87	1.4	2.80
July	5.98	1.5	2.80		5.83	1.4	2.80
August	5.84	1.4	2.79		5.93	1.5	2.79
September	5.85	1.4	2.79		5.81	1.5	2.79
October	5.64	1.4	2.79		5.74	1.4	2.80
November	5.53	1.4	2.78		5.64	1.4	2.80
December	5.52	1.4	2.79		5.57	1.4	2.80
Annual Average:	5.67	1.4	2.79		6.06	1.5	2.80

	1994				1993
	Rate	Pts	Margin		Rate	Pts	Margin
January	4.21	1.4	2.79		5.20	1.7	2.76
February	4.20	1.5	2.78		4.98	1.5	2.76
March	4.55	1.5	2.79		4.78	1.6	2.77
April	4.96	1.5	2.80		4.71	1.6	2.77
May	5.46	1.5	2.79		4.65	1.6	2.77
June	5.45	1.5	2.76		4.64	1.6	2.77
July	5.52	1.5	2.79		4.56	1.5	2.77
August	5.53	1.5	2.80		4.48	1.6	2.77
September	5.54	1.5	2.80		4.34	1.5	2.78
October	5.79	1.5	2.80		4.25	1.4	2.77
November	6.10	1.5	2.81		4.24	1.4	2.79
December	6.66	1.5	2.81		4.23	1.4	2.78
Annual Average:	5.36	1.5	2.79		4.58	1.5	2.77

	1992				1991
	Rate	Pts	Margin		Rate	Pts	Margin
January	5.89	1.7	2.75		7.74	2.0	2.78
February	5.88	1.8	2.76		7.65	2.0	2.78
March	6.11	1.9	2.76		7.47	2.0	2.77
April	6.15	1.7	2.76		7.38	1.9	2.77
May	6.00	1.7	2.76		7.22	1.9	2.77
June	5.87	1.7	2.75		7.24	1.9	2.77
July	5.51	1.6	2.76		7.23	1.9	2.76
August	5.27	1.6	2.76		7.08	1.9	2.77
September	5.11	1.6	2.76		6.87	1.7	2.77
October	5.06	1.7	2.76		6.71	1.8	2.77
November	5.26	1.8	2.76		6.42	1.8	2.77
December	5.43	1.7	2.77		6.19	1.7	2.76
Annual Average:	5.62	1.7	2.76		7.09	1.9	2.77