Average mortgage rates and indexes

Weekly survey of 60 Southland lenders as of May 3, 2006

Compiled by National Financial News Services

*--* Latest week One week Six months previous previous Rates for loans up to $416,999

30-year fixed 6.26%/1.59 pt 6.21%/1.68 pt 5.84%/1.40 pt 30-year ARM 3.18%/0.78 pt 3.17%/0.80 pt 3.17%/1.00 pt start rate 15-year fixed 5.90%/1.51 pt 6.13%/1.66 pt 5.40%/1.40 pt *--* Rates for loans of $417,000 and above

30-year fixed 6.76%/1.51 pt 6.49%/1.52 pt 6.09%/1.36 pt 30-year ARM 3.18%/0.91 pt 3.18%/0.92 pt 3.21%/0.88 pt start rate 15-year fixed 6.43%/1.68 pt 6.18%/1.54 pt 5.75%/1.31 pt FHA or VA mortgage 6.43%/0.98 pt 6.43%/0.98 pt 6.16%/0.56 pt Average / points CALVET 30-year 6.25%/0.00 pt 6.00%/0.00 pt 5.50%/0.00 pt 6-mo LIBOR 5.220% 5.220% 4.360% 1-yr Treasury bill 4.940% 4.900% 4.260% 6-mo Treasury bill 4.940% 4.910% 4.210% 6-month CD 5.210% 5.170% 4.380% Prime rate 7.750% 7.750% 6.750%

11th District March ’06 Feb. ’06 Sept. ’05 cost-of-funds 3.624% 3.604% 2.972%

*--*