ÿþ<html><head></head><body><div><table align='center' cellpadding='5' border='1' cellspacing='5'><tr><td colspan='1'><img alt='' src='http://www.stearnswholesale.com/turntimes/SantaAna/images/300stearnslendinglogo.jpg' style='width: 240px; height: 82px' /></td><td colspan='1' align='center'>Yorba Linda Branch</td></tr><tr><td colspan='2' align='center'><p>Turn Times 06/30/2011</p></td></tr><tr><td ><STRONG>Pre - Submissions</STRONG></td><td width='150' align='center'><p>30-June</p></td></tr><tr><td ><STRONG>FHA Streamline</STRONG></td><td width='150' align='center'><p>23-June</p></td></tr><tr><td ><STRONG>Government Purchase Submissions</STRONG></td><td width='150' align='center'><p>23-June</p></td></tr><tr><td ><STRONG>Government Conditions</STRONG></td><td width='150' align='center'><p>27-June</p></td></tr><tr><td ><STRONG>USDA Submissions</STRONG></td><td width='150' align='center'><p>23-June</p></td></tr><tr><td ><STRONG>Conventional Rate and Term Refi</STRONG></td><td width='150' align='center'><p>23-June</p></td></tr><tr><td ><STRONG>Conventional Cash Out Refi</STRONG></td><td width='150' align='center'><p>23-June</p></td></tr><tr><td ><STRONG>Conventional Purchase</STRONG></td><td width='150' align='center'><p>23-June</p></td></tr><tr><td ><STRONG>Conventional Conditions</STRONG></td><td width='150' align='center'><p>28-June</p></td></tr><tr><td ><STRONG>Government Files for Doc Pre</STRONG></td><td width='150' align='center'><p>29-June</p></td></tr><tr><td ><STRONG>Document Preparation</STRONG></td><td width='150' align='center'><p>29-June</p></td></tr><tr><td ><STRONG>Funding Review files after docs received</STRONG></td><td width='150' align='center'><p>28-June</p></td></tr><tr><td ><STRONG>Loan Set-Up</STRONG></td><td width='150' align='center'><p>30-June</p></td></tr></table></body></html>