Conventional Rates as of 8/11/2009

                         Rate             POINTS         APR

30 year Fixed         5.500%                      0                      5.513%

20 Year Fixed         5.500%                      0                      5.513%

15 Year Fixed         4.750%                      0                      4.763%

Construction          7.250%                     1/2%                

Construction Perm  6.000%                     0                      6.013%