ProRates Sample - Loans	7/16/2010	ProRates					ProRates Sample - Loans	7/16/2010						ProRates Sample - Loans	7/16/2010						ProRates Sample - Loans	7/16/2010
	HEL-80%-84m							HEL-80%-120m							HEL-80%-240m							LOC less/equal 80%
	INSTITUTION	RATE	CHG	CHG				INSTITUTION	RATE	CHG	CHG				INSTITUTION	RATE	CHG	CHG				INSTITUTION	RATE	CHG	CHG
	7/16/2010	Golden 1 FCU - Loans			HEL-80%-84m		MinTerm < 84; MaxTerm >= 84; LTV <= 80	7/16/2010	Golden 1 FCU - Loans			HEL-80%-120m		MinTerm < 120; MaxTerm >= 120; LTV <= 80	7/16/2010	Golden 1 FCU - Loans			HEL-80%-240m		MinTerm < 240; MaxTerm >= 240; LTV <= 80	7/16/2010	Golden 1 FCU - Loans			LOC less/equal 80%		LTV <= 80					LOC greater 80%		LTV > 80
		Count	Low Rate	High Rate	Avg. Rate				Count	Low Rate	High Rate	Avg. Rate				Count	Low Rate	High Rate	Avg. Rate				Count	Low Rate	High Rate	Avg. Rate						High Rate	Avg. Rate
		13	6.000	8.100					13	6.500	8.100					10		9.000					14	3.250	5.490							6.49	5.865
	Patelco	6.000	6.000					Patelco	6.500	6.500					FresnoCo	6.990						Patelco	3.250	3.250
	TravisCU	6.490	6.490					US Bank	6.500	6.000					ProRates	7.200						Schools CU	3.253	3.253
	US Bank	6.500	6.000					Sac CU	6.690	6.690					RiverCty	7.240						Sac CU	3.500	3.500
	Sac CU	6.690	6.690					SAFE CU	6.750	6.750					US Bank	7.250						Heritage	4.000	4.000
	ProRates	6.740	6.740					FresnoCo	6.990	6.490					Patelco	7.500						SAFE CU	4.000	4.000
	SAFE CU	6.750	6.750					ProRates	6.990	6.990					SAFE CU	7.750						RiverCty	4.250	4.000
	FresnoCo	6.990	6.490					RiverCty	6.990	6.740					Bank of America	7.990						EECU	4.500	4.500
	RiverCty	6.990	6.740					Schools CU	7.240	7.240					Chase	8.150						ProRates	4.500	4.500
	Schools CU	6.990	6.990					WellsFargo	7.375	7.250					TravisCU	8.240						TravisCU	4.500	4.500
	WellsFargo	7.375	7.250					Heritage	7.490	7.490					WellsFargo	9.000						US Bank	4.740	3.990
	Heritage	7.490	7.490					Bank of America	7.990	7.490					Heritage	NA						FresnoCo	4.990	4.990
	Bank of America	7.990	7.490					TravisCU	7.990	7.990					Sac CU	NA						WellsFargo	5.240	5.115
	Chase	8.100	7.350					Chase	8.100	7.350					Schools CU	NA						Bank of America	5.490	4.740
																						Chase	5.490	5.240
	Median	6.990						Median	6.990						Median	7.625						Median	4.500
	Min	6.000						Min	6.500						Min	6.990						Min	3.250
	Max	8.100						Max	8.100						Max	9.000						Max	5.490
	G1 +/-	-0.250						G1 +/-	0.000						G1 +/-	-0.425						G1 +/-	0.000
	Higher >	8						Higher >	6						Higher >	8						Higher >	5
	Lower <	4						Lower <	4						Lower <	1						Lower <	6
	Same =	0						Same =	2						Same =	0						Same =	2