Applicable Federal Rates for 2007

Mid-Term Rates for 2007

Month	Annual	Semiann.	Quarterly	Monthly
Jan-2007	4.58%	4.53%	4.50%	4.49%
Feb-2007	4.69%	4.64%	4.61%	4.60%
Mar-2007	4.86%	4.80%	4.77%	4.75%
Apr-2007	4.61%	4.56%	4.53%	4.52%
May-2007	4.62%	4.57%	4.54%	4.53%
Jun-2007	4.64%	4.59%	4.56%	4.55%
Jul-2007	4.95%	4.89%	4.86%	4.84%
Aug-2007	5.09%	5.03%	5.00%	4.98%
Sep-2007	4.79%	4.73%	4.70%	4.68%
Oct-2007	4.35%	4.30%	4.28%	4.26%
Nov-2007	4.39%	4.34%	4.32%	4.30%
Dec-2007	4.13%	4.09%	4.07%	4.06%

Long-Term Rates for 2007

Month	Annual	Semiann.	Quarterly	Monthly
Jan-2007	4.73%	4.68%	4.65%	4.64%
Feb-2007	4.86%	4.80%	4.77%	4.75%
Mar-2007	5.01%	4.95%	4.92%	4.90%
Apr-2007	4.81%	4.75%	4.72%	4.70%
May-2007	4.90%	4.84%	4.81%	4.79%
Jun-2007	4.91%	4.85%	4.82%	4.80%
Jul-2007	5.15%	5.09%	5.06%	5.04%
Aug-2007	5.31%	5.24%	5.21%	5.18%
Sep-2007	5.09%	5.03%	5.00%	4.98%
Oct-2007	4.88%	4.82%	4.79%	4.77%
Nov-2007	4.89%	4.83%	4.80%	4.78%
Dec-2007	4.72%	4.67%	4.64%	4.63%