Interest Rate Update

National Averages 30-Yr FRM 15-Yr FRM 5/1-Yr ARM 1-Yr ARM Average Rates 4.32% 3.37% 3.07% 2.63% Change (from prior week) -0.18% -0.17% - 0.04% - 0.02% Fees & Points 0.7 0.7 0.5 0.4 Margin N/A N/A 2.75 2.76  Regional Averages (West) 30-Yr FRM 15-Yr FRM 5/1-Yr ARM 1-Yr ARM Average Rates 4.27% 3.31% 2.97% 2.50% Change (from prior week) - 0.19% -0.17% + 0.02% -----% Fees & Points 0.8 0.7 0.6 0.4 Margin N/A N/A 2.74 2.75