Applicable Federal Rates for 2001

Short-Term Rates for 2001

Month	Annual	Semiann.	Quarterly	Monthly
Jan-2001	5.90%	5.82%	5.78%	5.75%
Feb-2001	5.18%	5.11%	5.08%	5.06%
Mar-2001	4.86%	4.80%	4.77%	4.75%
Apr-2001	4.63%	4.58%	4.55%	4.54%
May-2001	4.25%	4.21%	4.19%	4.17%
Jun-2001	4.15%	4.11%	4.09%	4.08%
Jul-2001	4.07%	4.03%	4.01%	4.00%
Aug-2001	3.94%	3.90%	3.88%	3.87%
Sep-2001	3.82%	3.78%	3.76%	3.75%
Oct-2001	3.58%	3.55%	3.53%	3.52%
Nov-2001	2.73%	2.71%	2.70%	2.69%
Dec-2001	2.48%	2.46%	2.45%	2.45%

Mid-Term Rates for 2001

Month	Annual	Semiann.	Quarterly	Monthly
Jan-2001	5.61%	5.53%	5.49%	5.47%
Feb-2001	5.07%	5.01%	4.98%	4.96%
Mar-2001	5.07%	5.01%	4.98%	4.96%
Apr-2001	4.94%	4.88%	4.85%	4.83%
May-2001	4.77%	4.71%	4.68%	4.66%
Jun-2001	5.02%	4.96%	4.93%	4.91%
Jul-2001	5.12%	5.06%	5.03%	5.01%
Aug-2001	4.99%	4.93%	4.90%	4.88%
Sep-2001	4.82%	4.76%	4.73%	4.71%
Oct-2001	4.59%	4.54%	4.51%	4.50%
Nov-2001	4.13%	4.09%	4.07%	4.06%
Dec-2001	3.97%	3.93%	3.91%	3.90%

Long-Term Rates for 2001

Month	Annual	Semiann.	Quarterly	Monthly
Jan-2001	5.78%	5.70%	5.66%	5.63%
Feb-2001	5.48%	5.41%	5.37%	5.35%
Mar-2001	5.58%	5.50%	5.46%	5.44%
Apr-2001	5.43%	5.36%	5.32%	5.30%
May-2001	5.43%	5.36%	5.32%	5.30%
Jun-2001	5.75%	5.67%	5.63%	5.60%
Jul-2001	5.82%	5.74%	5.70%	5.67%
Aug-2001	5.72%	5.64%	5.60%	5.57%
Sep-2001	5.57%	5.49%	5.45%	5.43%
Oct-2001	5.39%	5.32%	5.29%	5.26%
Nov-2001	5.31%	5.24%	5.21%	5.18%
Dec-2001	5.05%	4.99%	4.96%	4.94%