Applicable Federal Rates for 2002

Short-Term Rates for 2002

Month	Annual	Semiann.	Quarterly	Monthly
Jan-2002	2.73%	2.71%	2.70%	2.69%
Feb-2002	2.74%	2.72%	2.71%	2.70%
Mar-2002	2.69%	2.67%	2.66%	2.66%
Apr-2002	2.88%	2.86%	2.85%	2.84%
May-2002	3.21%	3.18%	3.17%	3.16%
Jun-2002	2.91%	2.89%	2.88%	2.87%
Jul-2002	2.84%	2.82%	2.81%	2.80%
Aug-2002	2.54%	2.52%	2.51%	2.51%
Sep-2002	2.13%	2.12%	2.11%	2.11%
Oct-2002	2.03%	2.02%	2.01%	2.01%
Nov-2002	1.82%	1.81%	1.81%	1.80%
Dec-2002	1.84%	1.83%	1.83%	1.82%

Mid-Term Rates for 2002

Month	Annual	Semiann.	Quarterly	Monthly
Jan-2002	4.49%	4.44%	4.42%	4.40%
Feb-2002	4.63%	4.58%	4.55%	4.54%
Mar-2002	4.52%	4.47%	4.45%	4.43%
Apr-2002	4.65%	4.60%	4.57%	4.56%
May-2002	4.99%	4.93%	4.90%	4.88%
Jun-2002	4.74%	4.69%	4.66%	4.64%
Jul-2002	4.60%	4.55%	4.52%	4.51%
Aug-2002	4.24%	4.20%	4.18%	4.16%
Sep-2002	3.75%	3.72%	3.70%	3.69%
Oct-2002	3.46%	3.43%	3.42%	3.41%
Nov-2002	3.06%	3.04%	3.03%	3.02%
Dec-2002	3.31%	3.28%	3.27%	3.26%

Long-Term Rates for 2002

Month	Annual	Semiann.	Quarterly	Monthly
Jan-2002	5.46%	5.39%	5.35%	5.33%
Feb-2002	5.60%	5.52%	5.48%	5.46%
Mar-2002	5.48%	5.41%	5.37%	5.35%
Apr-2002	5.62%	5.54%	5.50%	5.48%
May-2002	5.85%	5.77%	5.73%	5.70%
Jun-2002	5.70%	5.62%	5.58%	5.56%
Jul-2002	5.69%	5.61%	5.57%	5.55%
Aug-2002	5.46%	5.39%	5.35%	5.33%
Sep-2002	5.23%	5.16%	5.13%	5.11%
Oct-2002	4.90%	4.84%	4.81%	4.79%
Nov-2002	4.60%	4.55%	4.52%	4.51%
Dec-2002	4.92%	4.86%	4.83%	4.81%