Mortgage Purchase Loan Analysis                        
  PRINT
For a Primary Residence Located In Oregon
                       
  March 16, 2003                        
                                       
    Prepared for: Roger Smith   Prepared by: MICHAEL SMITH                          
      Po Box 3236     "Your Bank"                          
      Sunriver, Or 97707     714 Main Street                          
            Portland, OR 97068                          
    Phone: 541-593-1756   Phone: (541) 884-3444                          
    Fax: 541-593-4480   Fax: (541) 884-6515                          
    Branch Contact:     Branch Phone:                            
    Branch Name:     Branch Fax:                            
        COLUMN 1CLEAR
 
COLUMN 2CLEAR
 
COLUMN 3CLEAR
 
COLUMN 4CLEAR
 
         45 Day Lock  45 Day Lock  45 Day Lock  45 Day Lock                
  Rates Effective February 13, 2003 @ 8:50AM                                
    (C30F) CONF 30 YR FIXED 45 Day Lock (C15F) CONF 15 YR FIXED 45 Day Lock (FH5-1A) CONF 5-1 ARM 45 Day Lock (7YRBAL) 7 YR BALLOON 45 Day Lock         (C30F) CONF 30 YR FIXED (C15F) CONF 15 YR FIXED (FH5-1A) CONF 5-1 ARM (7YRBAL) 7 YR BALLOON                
    Purchase Price   $150,000.00 $150,000.00 $150,000.00 $150,000.00         ######## ######## ######## ########                
    Loan-to-Value (LTV)   80.00% 80.00% 80.00% 80.00%         80.00% 80.00% 80.00% 80.00%                
    Base Amount   $120,000.00 $120,000.00 $120,000.00 $120,000.00         ######## ######## ######## ########                
    Note Amount   $120,000.00 $120,000.00 $120,000.00 $120,000.00         ######## ######## ######## ########                
    Loan Term (Months)   360 180 360 360         360 180 360 360                
    Initial Interest Rate