|

| National Average Mortgage Rates as of January 26, 2001 |
| 3/1 ARMs |
5/1 ARMs |
7/1 ARMs |
10/1 ARMs |
| Interest Rate |
Total Points |
Interest Rate |
Total Points |
Interest Rate |
Total Points |
Interest Rate |
Total Points |
| 6.83% |
0.72 |
6.95% |
0.84 |
7.22% |
0.60 |
7.45% |
0.63 |
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