INTEREST RATE SURVEY.

                           INTEREST RATE SURVEY
                       CERTIFICATE OF
                       DEPOSIT YIELDS
                         $10,000           $50,000      $100,000
                           6 mo.      1 yr  6 mo.  1 yr  6 mo.   1 yr
Banco Popular               5.51      5.51  5.51   5.61   5.67   5.88
Bank of America             5.35      5.60  5.45   5.70   5.65   5.95
Calif. Bank & Trust         4.50      4.92  4.71   4.97   5.07   5.34
Calif. Fed. Bank            4.00      5.49  4.00   5.49   4.00   5.49
Cathay Bank                 4.91      5.01  5.12   5.22   5.22   5.33
Citibank                    5.05      5.50  5.05   5.50   5.05   5.50
Community Com. Bk           5.75      6.17  5.75   6.17   5.75   6.17
Downey Savings              5.25      5.50  5.25   5.50   5.25   5.50
Fidelity Federal Bank       5.13      5.75  5.39   6.00   5.50   6.00
First Bk of Bev. Hills      5.90      6.15  5.90   6.15   5.90   6.15
First Fed. Bank CA          5.30      5.51  5.46   5.51   5.72   5.93
First Republic Bank         4.60      5.25  4.60   5.25   4.60   5.25
Fremont Invest. & L         6.00      6.31  6.00   6.31   5.75   6.05
Gilmore Bank                4.65      4.96  4.65   4.96   4.96   5.20
Imperial T & L              6.20      6.40  6.20   6.40   6.20   6.40
Lockheed Fed. C.U.          5.50      5.85  5.50   5.85   5.75   6.15
Manufacturers Bank          5.00      5.13  5.00   5.13   5.15   5.28
Northern Trust Bank         5.30      5.90  5.30   5.90   5.75   6.00
Pacific Bus. Bank           5.06      5.25  5.06   5.25   5.29   5.63
Pacific Crest Bank          5.50      6.25  5.50   6.25   5.50   6.25
People's Bk of CA           4.50      6.10  4.50   6.10   4.50   6.10
PFF Bank & Trust            5.95      5.45  6.05   5.55   6.10   5.60
Sanwa Bank                  4.92      5.18  4.92   5.18   5.44   5.60
Southern CA Bank            4.18      4.23  4.28   4.59    NA    NA
Southern Pacific Bk         6.28      6.60  6.39   6.71   6.18   6.50
The California CU           5.50      5.90  5.50   5.90   5.55   5.95
The Pacific Bank            4.76      5.00  4.76   5.00   5.13   5.13
Trust Bank F.S.B.           4.75      5.00  4.85   5.10   5.25   5.50
Union Bank of CA            5.23      5.34  5.39   5.50   5.73   6.00
Universal Bank              4.55      4.60  4.85   4.90   4.80   4.85
Wells Fargo Bank            4.15      4.20  4.20   4.25   4.30   4.35
Western Financial           4.30      5.75  4.30   5.75   4.30   5.75
World Sav. Bank             5.00      5.24  5.00   5.24   5.76   6.02
                       JUMBO MORTGAGE
                           LOANS
                         Fixed rate        Adjustable
                        Rate/points    APR Rate/points  APR
Banco Popular                    NA     NA         NA    NA
Bank of America           8.00/2.00   8.24  5.25/0.00  7.70
Calif. Bank & Trust      8.375/1.50   8.54  5.75/0.50  8.01
Calif. Fed. Bank        7.875/2.493   8.16  3.00/0.00  7.15
Cathay Bank              8.50/0.875   8.63         NA    NA
Citibank                         NA     NA         NA    NA
Community Com. Bk                NA     NA         NA    NA
Downey Savings           7.875/2.00   8.11  3.95/0.50  7.55
Fidelity Federal Bank     8.00/2.25   8.26         NA    NA
First Bk of Bev. Hills           NA     NA         NA    NA
First Fed. Bank CA       8.00/2.375   8.30  4.95/1.25  7.62
First Republic Bank              NA     NA         NA    NA
Fremont Invest. & L              NA     NA         NA    NA
Gilmore Bank                     NA     NA         NA    NA
Imperial T & L                   NA     NA         NA    NA
Lockheed Fed. C.U.               NA     NA         NA    NA
Manufacturers Bank               NA     NA         NA    NA
Northern Trust Bank              NA     NA         NA    NA
Pacific Bus. Bank                NA     NA         NA    NA
Pacific Crest Bank               NA     NA         NA    NA
People's Bk of CA         8.50/2.00   8.74  7.25/2.00  9.04
PFF Bank & Trust         8.625/1.00   8.83 4.125/1.00  7.32
Sanwa Bank              8.375/1.125   8.45 7.25/1.125  7.82
Southern CA Bank                 NA     NA         NA    NA
Southern Pacific Bk              NA     NA         NA    NA
The California CU                NA     NA         NA    NA
The Pacific Bank                 NA     NA         NA    NA
Trust Bank F.S.B.        8.375/0.75   8.63         NA    NA
Union Bank of CA         8.375/2.00   8.62 6.125/1.00  8.90
Universal Bank                   NA     NA         NA    NA
Wells Fargo Bank                 NA     NA         NA    NA
Western Financial                NA     NA         NA    NA
World Sav. Bank           8.95/1.50   9.13  4.05/1.00  7.50
                KEY RATES RATES/YIELDS AS OF JAN. 26, 2000
Prime rate (Base rate on corporate loans from U.S.
banks) 8.50Discount rate (Federal Reserve)
11th district cost of funds (Index used to
compute adjustable mortgages -Nov. 99)
National cost of funds (Monthly median-Say.
Assoc. Ins. Fund -Nov. 99)
Average jumbo fixed-rate mortgage on a resold
home (Southern California, Jan. 20)
Average jumbo adjustable-rate mortgage on a
resold home (Southern California, Jan. 20)
Short-term Treasury bills (yields/H-15)                  3-Month: 5.31
Certificates of Deposit (yields/H-15)                    3-Month: 5.95
Corporate bonds (Average for bonds rated Aaa by Moody's)
Prime rate (Base rate on corporate loans from U.S.
banks) 8.50Discount rate (Federal Reserve)               5.00
11th district cost of funds (Index used to
compute adjustable mortgages -Nov. 99)                           4.773
National cost of funds (Monthly median-Say.
Assoc. Ins. Fund -Nov. 99)                                        4.57
Average jumbo fixed-rate mortgage on a resold
home (Southern California, Jan. 20)                      8.16%/1.98pts
Average jumbo adjustable-rate mortgage on a
resold home (Southern California, Jan. 20)               7.02%/1.55pts
Short-term Treasury bills (yields/H-15)                  6-Month: 5.53
Certificates of Deposit (yields/H-15)                    6-Month: 6.15
Corporate bonds (Average for bonds rated Aaa by Moody's)          7.88

Annual percentage yields (APY) for CDs are shown except when only the rate is available.

(+.)Some Thrift & Loans offer "Investment Certificates" which are callable with a 30-day notice and otherwise comparable to CDs and are insured by FDIC. Some rates and APYs reflect the most recent quote. All deposit APYs quoted are insured (FDIC/Savings Assoc. Ins. Fund). The institutions listed above, the Los Angeles Business Journal and Mortgage News Co. are not responsible for errors, omissions or rate changes. The rates/yields are shown for comparison only and specific yields/rates should be verified prior to making an investment decision. This chart is not an endorsement for institutions or products shown above.

Rates for both fixed and adjust able mortgages are for 30-year loans of at least $500,000. The rates for adjustable mortgages are a low introductory rate for the first adjustment period. ARM borrowers are advised to query lenders about the rate index used, adjustment frequency, negative amortization, payment caps, lender's margin and conversion to a fixed rate. All loans have additional fees. All lenders provide loans with different rates and terms for different loan amounts.