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Last Updated on 7/25/2005 10:40:00 AM

	0 Points	1 Point	2 Points
10 Year Fixed	5.500%	5.375%	5.250%
15 Year Fixed	5.500%	5.375%	5.250%
20 Year Fixed	5.875%	5.750%	5.625%
30 Year Fixed	5.875%	5.750%	5.625%

	0 Points	1 Point	2 Points
1/1 ARM	4.625%	4.250%	3.875%
3/1 ARM	5.250%	5.000%	4.750%
5/1 ARM	5.625%	5.375%	5.125%
7/1 ARM	5.750%	5.500%	5.250%
10/1 ARM	6.000%	5.750%	5.500%