The rates quoted below are based on the 10-Year Treasury Note at 3.650%.
Terms and rates effective 01/28/2010, subject to change without notice.

Property Type	Typical Amortiz.	Min. DSCR	Max LTV	Spread Range	Rate Range
Hotel Flagged	25-30 years	1.35	70%	250-400	6.150%-7.650%
Hotel No Flag	20-30 years	1.40	70%	300-400	6.650%-7.650%
Multi Family Apartments	25-30 years	1.20	80%	120-350	4.850%-7.150%
Multi Family Apartments	20 to 30 years	1.20	80%	125-300	4.900%-6.650%
Multi Family Mobile Home Park	25-30 years	1.25	75%	150-350	5.150%-7.150%
Office Multi-Tenant	25-30 years	1.30	80%	125-300	4.900%-6.650%
Office Single Tenant	25-30 years	1.25	80%	100-250	4.650%-6.150%
Shopping Center Anchored	30 years	1.25	80%	150-250	5.150%-6.150%
Shopping Center Non-Anchored	20-30 years	1.25	75%	100-250	4.650%-6.150%
Shopping Center Non-Anchored	25-30 years	1.35	75%	250-350	6.150%-7.150%
Warehouse Industrial	20-30 years	1.30	75%	150-300	5.150%-6.650%
Warehouse Multi-Tenant Flex/Distribution	20-30 years	1.25	80%	125-300	4.900%-6.650%
Warehouse Single Tenant Flex/Distribution	20-30 years	1.25	80%	140-300	5.050%-6.650%