Instruction 440.1 INTEREST RATES, AMORTIZATION, GUARANTEE FEE, ANNUAL CHARGE, AND FIXED PERIOD I. GENERAL. This Instruction contains the interest rates for Rural Business-Cooperative Service (RBS), Rural Housing Service (RHS), Rural Utilities Service (RUS); tables for use in determining the amounts of interest on loans at different rates; factors in amortizing loans; and the guarantee fees for guaranteed loans. (Revised 01-09-08, PN 417.) II. DESCRIPTION OF EXHIBITS. Exhibits contained in this Instruction provide the following information: A Exhibit A - Interest rates for direct loans. Interest is charged at the given rate on the unpaid principal balance of the loan. B Exhibit B - Interest rates for certain RBS, RHS, and RUS. This table reflects the interest rate charged to the borrower. (Revised 01-09-08, PN 417.) C Exhibit C - Factors for computing interest charges in connection with loans on $1 for various rates of interest between given dates and January 1. D Exhibit E - Periodic payments required to amortize $1 and interest at the rate of interest determined for each fiscal year in connection with Watershed, Rural Renewal, and Resource Conservation and Development loans. E Exhibit F - Periodic payments required to amortize $1 and interest at various rates of interest and periods of time. F Exhibit G - Tables for determining the number of days between any two given dates. G Exhibit H - Periodic payments required to amortize $1 and interest at various rates based on payments being made monthly. H Exhibit I - Interest computation tables for Operating loans. I Exhibit J - Definition of prime or unique farmland. J Exhibit K - Fees for guaranteed loans. K Exhibit L - Effective Dates and Interest Rates for 90-Day Treasury Bill. (Revised, 01-09-08, PN 417.) DISTRIBUTION: WSAL Program Operations Loan and Grant Making General Sheet 1 (Revision 1) (09-22-04) PN 379 RD Instruction 440.1 III. SUPPLEMENTAL REQUESTS. In the event that a loan is to be processed for which the attached exhibits do not furnish adequate details, a request will be forwarded with sufficient information to the Assistant Controller, Finance Office, St. Louis, Missouri. Attachments: Exhibits A, B, C, D (Reserved), E, F, G, H, I, J, K, and L oOo RD Instruction 440.1 Exhibit A INTEREST RATES FOR DIRECT LOANS ------------------------------------------------------------------------- Type of Direct Loans Interest Rate % ------------------------------------------------------------------------- Rural Housing * Section 504 Loans RH - Sec. 504 Loans 1 Rural Housing Site (Section 523 - Self-Help Loans) 3 ___________ * Will not be offered to local lenders oOo (12-27-72) PN 341 RD Instruction 440.1 Exhibit B Page 1 (Revision 44) INTEREST RATES FOR RBS, RHS, RUS LOANS EFFECTIVE MAY 1, 2008 TYPE OF INTEREST RATES LOAN TO BORROWER . TREASURY JUDGEMENT RATE 10/ All Loan Types 1.600% COMMUNITY AND BUSINESS PROGRAMS LOANS Water and Waste Disposal Loans Poverty Line 4.500% 4/ Intermediate 4.625 4/ Market 4.750 4/ Guaranteed Negotiated by Lender & Borrower Community Facility Poverty Line (market or 4.5%, whichever is lower) 4.500% 3/ 4/ Intermediate 4.625 3/ 4/ Market 4.750 3/ 4/ Guaranteed Negotiated by Lender & Borrower Watershed and Resource Conservation 4.750% and Development (RC&D) Intermediary Relending Program 1.000% Direct Business & Industry 6.000 Business & Industry (Guaranteed) Negotiated By Lender & Borrower RURAL HOUSING LOANS Rural Housing (RH) 502 Very Low or Low 5.375% Guaranteed 9/ Negotiated By Lender & Borrower Single Family Housing (SFH) Nonprogram 5.875 Rural Housing Site (RH-524, Non-Self-Help) 5.375 Rural Rental Housing & Rural Cooperative Housing 5.375 Farm Labor Housing 1.000 Farm Labor Housing-State Director Exception 1/ 7.500% (09-22-04) PN 379 RD Instruction 440.1 Exhibit B Page 2 (Revision 44) TYPE OF INTEREST RATES LOAN TO BORROWER . CURRENT PERCENTAGE-CASH PREFERENCE 5/ SFH Nonprogram 6/ 97% FOOTNOTES 1/ This interest rate applies when the State Director, as authorized in HB-1-3560 “MFH Loan Origination Handbook”, makes an exception to the credit elsewhere provisions. 2/ Reserved 3/ For Essential Community Facility loans, Direct Farm Ownership loans for recreation or nonfarm enterprises, Direct Farm Operating loans for recreation enterprises, Soil and Water loans for recreation purposes, and individual Recreation loans, the interest rate will be increased by 2 per centum per annum if the project being financed will involve the use of, or construction on prime or unique farmland. Prime or unique farmland is as defined in Section 657.5 (a) and (b) of Title 7, Code of Federal Regulations (1980). (The definition is included as Exhibit J to this Instruction.) The 2 per centum interest rate increase will not apply if the applicant/borrower is a public body or Indian tribe and has demonstrated to the appropriate Agency that there are no suitable options for locating the proposed essential Community Facility project on land that is not prime or unique farmland. For each essential Community Facility loan, the Rural Development Manager, after consultation with the Natural Resources Conservation Service (NRCS), will determine whether the proposed project will involve the use of, or construction on, prime or unique farmland. RD Instruction 440.1 Exhibit B Page 3 (Revision 1) FOOTNOTES (CON.) 4/ Eligibility for poverty line, intermediate, and market interest rates is described in RD Instruction 1942-A, § 1942.17(f). 5/ Current Percentage-Cash Preference is the percentage difference for which a cash offer will be given preference over an offer requiring credit. The Current Percentage-Cash Preference listed apply to maximum terms and conditions authorized by Rural Development Instructions. Application of these percentages is outlined in RD Instruction 1955-C. 6/ If any points are being paid on a cash sale, the cash price must be reduced by the point value prior to the comparison. 7/ Reserved 8/ Reserved 9/ The rate charged may not exceed the current Federal National Mortgage Association posted yield for 90-day delivery (Actual/Actual) plus six-tenths of 1 percent for 30-year fixed rate conventional loans, rounded up to the nearest one-quarter of 1 percent. (Revised 03-21-07, PN 407.) 10/ This is the interest rate charged on judgment accounts, as determined by the Secretary of the Treasury, pursuant to 28 U.S.C., Section 1961. oOo (09-22-04) PN 379 RD Instruction 440.1 Exhibit C Page 1 Table of Contents Factors for Computing Interest Charge On $1.00 Between a Given Date and January 1 Interest Rate (%) Exhibit Number 1.0000 C-10 2.0000 C-17 3.0000 C-11 3.5000 C-1 3.6250 C-2 3.7500 C-3 4.0000 C-4 4.1250 C-5 4.5000 C-6 4.7500 C-7 5.0000 C-8 5.2500 C-66 5.5000 C-22 5.6250 C-79 5.6830 C-27 5.7500 C-61 5.8750 C-70 6.0000 C-30 6.2500 C-23 6.5000 C-54 6.6250 C-49 6.7500 C-12 7.0000 C-9 7.1250 C-67 7.2100 C-28 7.2500 C-24 7.3750 C-63 7.5000 C-25 7.8750 C-55 8.0000 C-26 8.1250 C-21 .8.2500 C-13 .8.3750 C-107 8.4690 C-105 8.5000 C-14 .8.5940 C-103 .8.5941 C-106 .8.5942 C-40 .8.6250 C-40 (01-30-02) PN 341 RD Instruction 440.1 Exhibit C Page 2 Interest Factor (%) Exhibit Number 8.6250 C-80 8.6670 C-104 8.7030 C-101 8.7500 C-15 8.8280 C-102 8.8740 C-99 8.9990 C-100 9.0000 C-16 9.1250 C-68 9.1340 C-96 9.1370 C-98 9.2260 C-94 9.2500 C-18 9.2590 C-97 9.3190 C-92 9.3510 C-95 9.3520 C-48 9.4440 C-93 9.5000 C-19 9.5030 C-74 9.6280 C-75 9.7370 C-90 9.7500 C-64 9.8620 C-91 9.9200 C-88 10.0000 C-20 10.0450 C-89 10.0510 C-62 10.0750 C-86 10.2000 C-87 10.2500 C-56 10.3710 C-84 10.3750 C-81 10.4030 C-73 10.4960 C-85 10.5000 C-29 10.6250 C-57 10.6930 C-82 10.7500 C-65 10.8l80 C-83 RD Instruction 440.1 Exhibit C Page 3 Interest Factor (%) Exhibit Number 10.8980 C-76 11.0000 C-32 11.0700 C-78 11.1950 C-77 11.2500 C-50 11.3750 C-51 11.5000 C-39 11.6250 C-31 11.7500 C-71 11.8750 C-72 12.0000 C-35 12.2500 C-41 12.5000 C-33 13.0000 C-36 13.1250 C-58 13.2500 C-42 13.3750 C-43 13.5000 C-34 13.7500 C-69 14.0000 C-37 14.2500 C-52 14.5000 C-38 14.7500 C-44 15.0000 C-45 15.5000 C-59 16.0000 C-53 16.2500 C-60 16.5000 C-47 17.0000 C-46 oOo (01-30-02) PN 341 RD Instruction 440.1 Exhibit C-1 Page 1 FACTORS FOR COMPUTING INTEREST CHARGE ON $1.00 AT 3«% BETWEEN A GIVEN DATE AND JANUARY 1 __________________________________________________________________________ Day January February March April May June Day __________________________________________________________________________ 1 .000000 .032027 .029342 .026370 .023493 .020521 1 2 .034904 .031932 .029247 .026274 .023397 .020425 2 3 .034808 .031836 .029151 .026178 .023301 .020329 3 4 .034712 .031740 .029055 .026082 .023205 .020233 4 5 .034616 .031644 .028959 .025986 .023110 .020137 5 6 .034521 .031548 .028863 .025890 .023014 .020041 6 7 .034425 .031452 .028767 .025795 .022918 .019945 7 8 .034329 .031356 .028671 .025699 .022822 .019849 8 9 .034233 .031260 .028575 .025603 .022726 .019753 10 .034137 .031164 .028479 .025507 .022630 .019658 10 11 .034041 .031068 .028384 .025411 .022534 .019562 11 12 .033945 .030973 .028288 .025315 .022438 .019466 12 13 .033849 .030877 .028192 .025219 .022342 .019370 13 14 .033753 .030781 .028096 .025123 .022247 .019274 14 15 .033658 .030685 .028000 .025027 .022151 .019178 15 16 .033562 .030589 .027904 .024932 .022055 .019082 16 17 .033466 .030493 .027808 .024836 .021959 .018986 17 18 .033370 .030397 .027712 .024740 .021863 .018890 18 19 .033274 .030301 .027616 .024644 .021767 .018795 19 20 .033178 .030205 .027521 .024548 .021671 .018699 20 21 .033082 .030110 .027425 .024452 .021575 .018603 21 22 .032986 .030014 .027329 .024356 .021479 .018507 22 23 .032890 .029918 .027233 .024260 .021384 .018411 23 24 .032795 .029822 .027137 .024164 .021288 .018315 24 25 .032699 .029726 .027041 .024068 .021192 .018219 25 26 .032603 .029630 .026945 .023973 .021096 .018123 26 27 .032507 .029534 .026849 .023877 .021000 .018027 27 28 .032411 .029438 .026753 .023781 .020904 .017932 28 29 .032315 * .026658 .023685 .020808 .017836 29 30 .032219 .026562 .023589 .020712 .017740 30 31 .032123 .026466 .020616 31 __________________________________________________________________________ *For February 29 use factor for March 1. (12-5-68) PN 135 RD Instruction 440.1 Exhibit C-1 Page 2 FACTORS FOR COMPUTING INTEREST CHARGE ON $1.00 AT 3«% BETWEEN A GIVEN DATE AND JANUARY 1 __________________________________________________________________________ Day July August September October November December Day __________________________________________________________________________ 1 .017644 .014671 .011699 .008822 .005849 .002973 1 2 .017548 .014575 .011603 .008726 .005753 .002877 2 3 .017452 .014479 .011507 .008630 .005658 .002781 3 4 .017356 .014384 .011411 .008534 .005562 .002685 4 5 .017260 .014288 .011315 .008438 .005466 .002589 5 6 .017164 .014192 .011219 .008342 .005370 .002493 6 7 .017068 .014096 .011123 .008247 .005274 .002397 7 8 .016973 .014000 .011027 .008151 .005178 .002301 8 9 .016877 .013904 .010932 .008055 .005082 .002205 9 10 .016781 .013808 .010836 .007959 .004986 .002110 10 11 .016685 .013712 .010740 .007863 .004890 .002014 11 12 .016589 .013616 .010644 .007767 .004795 .001918 12 13 .016493 .013521 .010548 .007671 .004699 .001822 13 14 .016397 .013425 .010452 .007575 .004603 .001726 14 15 .016301 .013329 .010356 .007479 .004507 .001630 15 16 .016205 .013233 .010260 .007384 .004411 .001534 16 17 .016110 .013137 .010164 .007288 .004315 .001438 17 18 .016014 .013041 .010068 .007192 .004219 .001342 18 19 .015918 .012945 .009973 .007096 .004123 .001247 19 20 .015822 .012849 .009877 .007000 .004027 .001151 20 21 .015726 .012753 .009781 .006904 .003932 .001055 21 22 .015630 .012658 .009685 .006808 .003836 .000959 22 23 .015534 .012562 .009589 .006712 .003740 .000863 23 24 .015438 .012466 .009493 .006616 .003644 .000767 24 25 .015342 .012370 .009397 .006521 .003548 .000671 25 26 .015247 .012274 .009301 .006425 .003452 .000575 26 27 .015151 .012178 .009205 .006329 .003356 .000479 27 28 .015055 .012082 .009110 .006233 .003260 .000384 28 29 .014959 .011986 .009014 .006137 .003164 .000288 29 30 .014863 .011890 .008918 .006041 .003068 .000192 30 31 .014767 .011795 .005945 .000096 31 __________________________________________________________________________ o O o RD Instruction 440.1 Exhibit C-2 Page 1 FACTORS FOR COMPUTING INTEREST CHARGE ON $1.00 AT 3-5/8% BETWEEN A GIVEN DATE AND JANUARY 1 __________________________________________________________________________ Day January February March April May June Day __________________________________________________________________________ 1 .000000 .033171 .030390 .027312 .024332 .021253 1 2 .036151 .033072 .030291 .027212 .024233 .021154 2 3 .036051 .032973 .030192 .027113 .024134 .021055 3 4 .035952 .032873 .030092 .027014 .024034 .020955 4 5 .035853 .032774 .029993 .026914 .023935 .020856 5 6 .035753 .032675 .029894 .026815 .023836 .020757 6 7 .035654 .032575 .029795 .026716 .023736 .020658 7 8 .035555 .032476 .029695 .026616 .023637 .020558 8 9 .035455 .032377 .029596 .026517 .023538 .020459 9 10 .035356 .032277 .029497 .026418 .023438 .020360 10 11 .035257 .032178 .029397 .026318 .023339 .020260 11 12 .035158 .032079 .029298 .026219 .023240 .020161 12 13 .035058 .031979 .029199 .026120 .023140 .020062 13 14 .034959 .031880 .029099 .026021 .023041 .019962 14 15 .034860 .031781 .029000 .025921 .022942 .019863 15 16 .034760 .031682 .028901 .025822 .022842 .019764 16 17 .034661 .031582 .028801 .025723 .022743 .019664 17 18 .034562 .031483 .028702 .025623 .022644 .019565 18 19 .034462 .031384 .028603 .025524 .022545 .019466 19 20 .034363 .031284 .028503 .025425 .022445 .019366 20 21 .034264 .031185 .028404 .025325 .022346 .019267 21 22 .034164 .031086 .028305 .025226 .022247 .019168 22 23 .034065 .030986 .028205 .025127 .022147 .019068 23 24 .033966 .030887 .028106 .025027 .022048 .018969 24 25 .033866 .030788 .028007 .024928 .021949 .018870 25 26 .033767 .030688 .027908 .024829 .021849 .018771 26 27 .033668 .030589 .027808 .024729 .021750 .018671 27 28 .033568 .030490 .027709 .024630 .021651 .018572 28 29 .033469 * .027610 .024531 .021551 .018473 29 30 .033370 .027510 .024432 .021452 .018373 30 31 .033271 .027411 .021353 31 __________________________________________________________________________ *For February 29 use factor for March 1. (12-5-68) PN 135 RD Instruction 440.1 Exhibit C-2 Page 2 FACTORS FOR COMPUTING INTEREST CHARGE ON $1.00 AT 3-5/8% BETWEEN A GIVEN DATE AND JANUARY 1 __________________________________________________________________________ Day July August September October November December Day __________________________________________________________________________ 1 .018274 .015195 .012116 .009137 .006058 .003079 1 2 .018175 .015096 .012017 .009038 .005959 .002979 2 3 .018075 .014997 .011918 .008938 .005860 .002880 3 4 .017976 .014897 .011818 .008839 .005760 .002781 4 5 .017877 .014798 .011719 .008740 .005661 .002682 5 6 .017777 .014699 .011620 .008640 .005562 .002582 6 7 .017678 .014599 .011521 .008541 .005462 .002483 7 8 .017579 .014500 .011421 .008442 .005363 .002384 8 9 .017479 .014401 .011322 .008342 .005264 .002284 9 10 .017380 .014301 .011223 .008243 .005164 .002185 10 11 .017281 .014202 .011123 .008144 .005065 .002086 11 12 .017182 .014103 .011024 .008045 .004966 .001986 12 13 .017082 .014003 .010925 .007945 .004866 .001887 13 14 .016983 .013904 .010825 .007846 .004767 .001788 14 15 .016884 .013805 .010726 .007747 .004668 .001688 15 16 .016784 .013705 .010627 .007647 .004568 .001589 16 17 .016685 .013606 .010527 .007548 .004469 .001490 17 18 .016586 .013507 .010428 .007449 .004370 .001390 18 19 .016486 .013408 .010329 .007349 .004271 .001291 19 20 .016387 .013308 .010229 .007250 .004171 .001192 20 21 .016288 .013209 .010130 .007151 .004072 .001092 21 22 .016188 .013110 .010031 .007051 .003973 .000993 22 23 .016089 .013010 .009932 .006952 .003873 .000894 23 24 .015990 .012911 .009832 .006853 .003774 .000795 24 25 .015890 .012812 .009733 .006753 .003675 .000695 25 26 .015791 .012712 .009634 .006654 .003575 .000596 26 27 .015692 .012613 .009534 .006555 .003476 .000497 27 28 .015592 .012514 .009435 .006455 .003377 .000397 28 29 .015493 .012414 .009336 .006356 .003277 .000298 29 30 .015394 .012315 .009236 .006257 .003178 .000199 30 31 .015295 .012216 .006158 .000099 31 __________________________________________________________________________ o O o RD Instruction 440.1 Exhibit C-3 Page 1 FACTORS FOR COMPUTING INTEREST CHARGE ON $1.00 AT 3.75% BETWEEN A GIVEN DATE AND JANUARY 1 __________________________________________________________________________ Day January February March April May June Day __________________________________________________________________________ 1 .000000 .034315 .031438 .028253 .025171 .021986 1 2 .037397 .034212 .031336 .028151 .025068 .021884 2 3 .037295 .034110 .031233 .028048 .024966 .021781 3 4 .037192 .034007 .031130 .027945 .024863 .021678 4 5 .037089 .033904 .031027 .027842 .024760 .021575 5 6 .036986 .033801 .030925 .027740 .024658 .021473 6 7 .036884 .033699 .030822 .027637 .024555 .021370 7 8 .036781 .033596 .030719 .027534 .024452 .021267 8 9 .036678 .033493 .030616 .027432 .024349 .021164 9 10 .036575 .033390 .030514 .027329 .024247 .021062 10 11 .036473 .033288 .030411 .027226 .024144 .020959 11 12 .036370 .033185 .030308 .027123 .024041 .020856 12 13 .036267 .033082 .030205 .027021 .023938 .020753 13 14 .036164 .032979 .030103 .026918 .023836 .020651 14 15 .036062 .032877 .030000 .026815 .023733 .020548 15 16 .035959 .032774 .029897 .026712 .023630 .020445 16 17 .035856 .032671 .029795 .026610 .023527 .020342 17 18 .035753 .032568 .029692 .026507 .023425 .020240 18 19 .035651 .032466 .029589 .026404 .023322 .020137 19 20 .035548 .032363 .029486 .026301 .023219 .020034 20 21 .035445 .032260 .029384 .026199 .023116 .019932 21 22 .035342 .032158 .029281 .026096 .023014 .019829 22 23 .035240 .032055 .029178 .025993 .022911 .019726 23 24 .035137 .031952 .029075 .025890 .022808 .019623 24 25 .035034 .031849 .028973 .025788 .022705 .019521 25 26 .034932 .031747 .028870 .025685 .022603 .019418 26 27 .034829 .031644 .028767 .025582 .022500 .019315 27 28 .034726 .031541 .028664 .025479 .022397 .019212 28 29 .034623 * .028562 .025377 .022295 .019110 29 30 .034521 .028459 .025274 .022781 .019007 30 31 .034418 .028356 .022089 31 __________________________________________________________________________ *For February 29 use factor for March 1 (12-5-68) PN 135 RD Instruction 440.1 Exhibit C-3 Page 2 FACTORS FOR COMPUTING INTEREST CHARGE ON $1.00 AT 3.75% BETWEEN A GIVEN DATE AND JANUARY 1 __________________________________________________________________________ Day July August September October November December Day __________________________________________________________________________ 1 .018904 .015719 .012534 .009452 .006267 .003185 1 2 .018801 .015616 .012432 .009349 .006164 .003082 2 3 .018699 .015514 .012329 .009247 .006062 .002979 3 4 .018596 .015411 .012226 .009144 .005959 .002877 4 5 .018493 .015308 .012123 .009041 .005856 .002774 5 6 .018390 .015205 .012021 .008938 .005753 .002671 6 7 .018288 .015103 .011918 .008836 .005651 .002568 7 8 .018185 .015000 .011815 .008733 .005548 .002466 8 9 .018082 .014897 .011712 .008630 .005445 .002363 9 10 .017979 .014795 .011610 .008527 .005342 .002260 10 11 .017877 .014692 .011507 .008425 .005240 .002158 11 12 .017774 .014589 .011404 .008322 .005137 .002055 12 13 .017671 .014486 .011301 .008219 .005034 .001952 13 14 .017568 .014384 .011199 .008116 .004932 .001849 14 15 .017466 .014281 .011096 .008014 .004829 .001747 15 16 .017363 .014178 .010993 .007911 .004726 .001644 16 17 .017260 .014075 .010890 .007808 .004623 .001541 17 18 .017158 .013973 .010788 .007705 .004521 .001438 18 19 .017055 .013870 .010685 .007603 .004418 .001336 19 20 .016952 .013767 .010582 .007500 .004315 .001233 20 21 .016849 .013664 .010479 .007397 .004212 .001130 21 22 .016747 .013562 .010377 .007295 .004110 .001027 22 23 .016644 .013459 .010274 .007192 ,.004007 .000925 23 24 .016541 .013356 .010171 .007089 .003904 .000822 24 25 .016438 .013253 .010068 .006986 .003801 .000719 25 26 .016336 .013151 .009966 .006884 .003699 .000616 26 27 .016233 .013048 .009863 .006781 .003596 .000514 27 28 .016130 .012945 .009760 .006678 .003493 .000411 28 29 .016027 .012842 .009658 .006575 .003390 .000308 29 30 .015925 .012740 .009555 .006473 .003288 .000205 30 31 .015832 .012637 .006370 .000103 31 __________________________________________________________________________ o O o RD Instruction 440.1 Exhibit C-4 Page 1 FACTORS FOR COMPUTING INTEREST CHARGE ON $1 AT 4% BETWEEN A GIVEN DATE AND JANUARY 1 __________________________________________________________________________ Day January February March April May June Day __________________________________________________________________________ 1 .000000 .036603 .033534 .030137 .026849 .023452 1 2 .039890 .036493 .033425 .030027 .026740 .023342 2 3 .039781 .036384 .033315 .029918 .026630 .023233 3 4 .039671 .036274 .033205 .029808 .026521 .023123 4 5 .039562 .036164 .033096 .029699 .026411 .023014 5 6 .039452 .036055 .032986 .029589 .026301 .022904 6 7 .039342 .035945 .032877 .029479 .026192 .022795 7 8 .039233 .035836 .032767 .029370 .026082 .022685 8 9 .039123 .035726 .032658 .029260 .025973 .022575 9 10 .039014 .035616 .032548 .029151 .025863 .022466 10 11 .038904 .035507 .032438 .029041 .025753 .022356 11 12 .038795 .035397 .032329 .028932 .025644 .022247 12 13 .038685 .035288 .032219 .028822 .025534 .022137 13 14 .038575 .035178 .032110 .028712 .025425 .022027 14 15 .038466 .035068 .032000 .028603 .025315 .021918 15 16 .038356 .034959 .031890 .028493 .025205 .021808 16 17 .038247 .034849 .031731 .028384 .025096 .021699 17 18 .038137 .034740 .031671 .028274 .024986 .021589 18 19 .038027 .034630 .031562 .028164 .024877 .021479 19 20 .037918 .034521 .031452 .028055 .024767 .021370 20 21 .037808 .034411 .031342 .027945 .024658 .021260 21 22 .037699 .034301 .031233 .027836 .024548 .021151 22 23 .037589 .034192 .031123 .027726 .024438 .021041 23 24 .037479 .034082 .031014 .027616 .024329 .020932 24 25 .037370 .033973 .030904 .027507 .024219 .020822 25 26 .037260 .033863 .030795 .027397 .024110 .020712 26 27 .037151 .033753 .030685 .027288 .024000 .020603 27 28 .037041 .033644 .030575 .027178 .023890 .020493 28 29 .036932 * .030466 .027068 .023781 .020384 29 30 .036822 .030356 .026959 .023671 .020274 30 31 .036712 .030247 .023562 31 __________________________________________________________________________ *If leap year, for February 29 use factor for March 1. (12-5-68) PN 135 RD Instruction 440.1 Exhibit C-4 Page 2 FACTORS FOR COMPUTING INTEREST CHARGE ON $1 AT 4% BETWEEN A GIVEN DATE AND JANUARY 1 __________________________________________________________________________ Day July August September October November December Day __________________________________________________________________________ 1 .020164 .016767 .013370 .010082 .006685 .003397 1 2 .020055 .016658 .013260 .009973 .006575 .003288 2 3 .019945 .016548 .013151 .009863 .006466 .003178 3 4 .019836 .016438 .013041 .009753 .006356 .003068 4 5 .019726 .016329 .012932 .009644 .006247 .002959 5 6 .019616 .016219 .012822 .009534 .006137 .002849 6 7 .019507 .016110 .012712 .009425 .006027 .002740 7 8 .019397 .016000 .012603 .009315 .005918 .002630 8 9 .019288 .015890 .012493 .009205 .005808 .002521 9 10 .019178 .015781 .012384 .009096 .005699 .002411 10 11 .019068 .015671 .012274 .008986 .005589 .002301 11 12 .018959 .015562 .012164 .008877 .005479 .002192 12 13 .018849 .015452 .012055 .008767 .005370 .002082 13 14 .018740 .015342 .011945 .008658 .005260 .001973 14 15 .018630 .015233 .011836 .008548 .005151 .001863 15 16 .018521 .015123 .011726 .008438 .005041 .001753 16 17 .018411 .015014 .011616 .008329 .004932 .001644 17 18 .018301 .014904 .011507 .008219 .004822 .001534 18 19 .018192 .014795 .011397 .008110 .004712 .001425 19 20 .018082 .014685 .011288 .008000 .004603 .001315 20 21 .017973 .014575 .011178 .007890 .004493 .001205 21 22 .017863 .014466 .011068 .007781 .004384 .001096 22 23 .017753 .014356 .010959 .007671 .004274 .000986 23 24 .017644 .014247 .010849 .007562 .004164 .000877 24 25 .017534 .014137 .010740 .007452 .004055 .000767 25 26 .017425 .014027 .010630 .007342 .003945 .000658 26 27 .017315 .013918 .010521 .007233 .003836 .000548 27 28 .017205 .013808 .010411 .007123 .003726 .000438 28 29 .017096 .013699 .010301 .007014 .003616 .000329 29 30 .016986 .013589 .010192 .006904 .003507 .000219 30 31 .016877 .013479 .006795 .000110 31 __________________________________________________________________________ o O o RD Instruction 440.1 Exhibit C-5 Page 1 FACTORS FOR COMPUTING INTEREST CHARGE ON $1.00 AT 4-1/8% BETWEEN A GIVEN DATE AND JANUARY 1 _________________________________________________________________________ Day January February March April May June Day _________________________________________________________________________ 1 .000000 .037747 .034582 .031079 .027688 .024185 1 2 .041137 .037634 .034469 .030966 .027575 .024072 2 3 .041024 .037521 .034356 .030853 .027462 .023959 3 4 .040911 .037408 .034243 .030740 .027349 .023846 4 5 .040798 .037295 .034130 .030627 .027236 .023733 5 6 .040685 .037182 .034017 .030514 .027123 .023620 6 7 .040572 .037068 .033904 .030401 .027010 .023507 7 8 .040459 .036955 .033791 .030288 .026897 .023394 8 9 .040346 .036842 .033678 .030175 .026784 .023281 9 10 .040233 .036729 .033565 .030062 .026671 .023168 10 11 .040120 .036616 .033452 .029949 .026558 .023055 11 12 .040007 .036503 .033339 .029836 .026445 .022942 12 13 .039894 .036390 .033226 .029723 .026332 .022829 13 14 .039781 .036277 .033113 .029610 .026219 .022716 14 15 .039668 .036164 .033000 .029497 .026106 .022603 15 16 .039555 .036051 .032887 .029384 .025993 .022490 16 17 .039442 .035938 .032774 .029271 .025880 .022377 17 18 .039329 .035825 .032661 .029158 .025767 .022264 18 19 .039216 .035712 .032548 .029045 .025654 .022151 19 20 .039103 .035599 .032435 .028932 .025541 .022038 20 21 .038990 .035486 .032322 .028818 .025428 .021925 21 22 .038877 .035373 .032209 .028705 .025315 .021812 22 23 .038764 .035260 .032096 .028592 .025202 .021699 23 24 .038651 .035147 .031983 .028479 .025089 .021586 24 25 .038538 .035034 .031870 .028366 .024976 .021473 25 26 .038425 .034921 .031757 .028253 .024863 .021360 26 27 .038312 .034808 .031644 .028140 .024750 .021247 27 28 .038199 .034695 .031531 .028027 .024637 .021134 28 29 .038086 * .031418 .027914 .024524 .021021 29 30 .037973 .031305 .027801 .024411 .020908 30 31 .037860 .031192 .024298 31 __________________________________________________________________________ * For February 29 use factor for March 1 (12-5-68) PN 135 RD Instruction 440.1 Exhibit C-5 Page 2 FACTORS FOR COMPUTING INTEREST CHARGE ON $1.00 AT 4-1/8% BETWEEN A GIVEN DATE AND JANUARY 1 ________________________________________________________________________ Day July August September October November December Day ________________________________________________________________________ 1 .020795 .017291 .013788 .010397 .006894 .003503 1 2 .020682 .017178 .013675 .010284 .006781 .003390 2 3 .020568 .017065 .013562 .010171 .006668 .003277 3 4 .020455 .016952 .013449 .010058 .006555 .003164 4 5 .020342 .016839 .013336 .009945 .006442 .003051 5 6 .020229 .016726 .013223 .009832 .006329 .002938 6 7 .020116 .016613 .013110 .009719 .006216 .002825 7 8 .020003 .016500 .012997 .009606 .006103 .002712 8 9 .019890 .016387 .012884 .009493 .005990 .002599 9 10 .019777 .016274 .012771 .009380 .005877 .002486 10 11 .019664 .016161 .012658 .009267 .005764 .002373 11 12 .019551 .016048 .012545 .009154 .005651 .002260 12 13 .019438 .015935 .012432 .009041 .005538 .002147 13 14 .019325 .015822 .012318 .008928 .005425 .002034 14 15 .019212 .015709 .012205 .008815 .005312 .001921 15 16 .019099 .015596 .012092 .008702 .005199 .001808 16 17 .018986 .015483 .011979 .008589 .005086 .001695 17 18 .018873 .015370 .011866 .008476 .004973 .001582 18 19 .018760 .015257 .011753 .008363 .004860 .001469 19 20 .018647 .015144 .011640 .008250 .004747 .001356 20 21 .018534 .015031 .011527 .008137 .004634 .001243 21 22 .018421 .014918 .011414 .008024 .004521 .001130 22 23 .018308 .014805 .011301 .007911 .004408 .001017 23 24 .018195 .014692 .011188 .007798 .004295 .000904 24 25 .018082 .014579 .011075 .007685 .004182 .000791 25 26 .017969 .014466 .010962 .007572 .004068 .000678 26 27 .017856 .014353 .010849 .007459 .003955 .000565 27 28 .017743 .014240 .010736 .007346 .003842 .000452 28 29 .017630 .014127 .010623 .007233 .003729 .000339 29 30 .017517 .014014 .010510 .007120 .003616 .000226 30 31 .017404 .013901 .007007 .000113 31 ________________________________________________________________________ o O o RD Instruction 440.1 Exhibit C-6 Page 1 FACTORS FOR COMPUTING INTEREST CHARGE ON $1.00 AT 4«% BETWEEN A GIVEN DATE AND JANUARY 1 _________________________________________________________________________ Day January February March April May June Day _________________________________________________________________________ 1 .000000 .041178 .037726 .033904 .030205 .026384 1 2 .044877 .041055 .037603 .033781 .030082 .026260 2 3 .044753 .040932 .037479 .033658 .029959 .026137 3 4 .044630 .040808 .037356 .033534 .029836 .026014 4 5 .044507 .040685 .037233 .033411 .029712 .025890 5 6 .044384 .040562 .037110 .033288 .029589 .025767 6 7 .044260 .040438 .036986 .033164 .029466 .025644 7 8 .044137 .040315 .036863 .033041 .029342 .025521 8 9 .044014 .040192 .036740 .032918 .029219 .025397 9 10 .043890 .040068 .036616 .032794 .029096 .025274 10 11 .043767 .039945 .036493 .032671 .028973 .025151 11 12 .043644 .039822 .036370 .032548 .028849 .025027 12 13 .043521 .039699 .036247 .032425 .028726 .024904 13 14 .043397 .039575 .036123 .032301 .028603 .024781 14 15 .043274 .039452 .036000 .032178 .028479 .024658 15 16 .043151 .039329 .035877 .032055 .028356 .024534 16 17 .043027 .039205 .035753 .031932 .028233 .024411 17 18 .042904 .039082 .035630 .031808 .028110 .024288 18 19 .042781 .038959 .035507 .031685 .027986 .024164 19 20 .042658 .038836 .035384 .031562 .027863 .024041 20 21 .042534 .038712 .035260 .031438 .027740 .023918 21 22 .042411 .038589 .035137 .031315 .027616 .023795 22 23 .042288 .038466 .035014 .031192 .027493 .023671 23 24 .042164 .038342 .034890 .031069 .027370 .023548 24 25 .042041 .038219 .034767 .030945 .027247 .023425 25 26 .041918 .038096 .034644 .030822 .027123 .023301 26 27 .041795 .037973 .034521 .030699 .027000 .023178 27 28 .041671 .037849 .034397 .030575 .026877 .023055 28 29 .041548 * .034274 .030452 .026753 .022932 29 30 .041425 .034151 .030329 .026630 .022808 30 31 .041301 .034027 .026507 31 _________________________________________________________________________ * For February 29 use factor for March 1. (12-5-68) PN 135 RD Instruction 440.1 Exhibit C-6 Page 2 FACTORS FOR COMPUTING INTEREST CHARGE ON $1.00 AT 4«% BETWEEN A GIVEN DATE AND JANUARY 1 _________________________________________________________________________ Day July August September October November December Day _________________________________________________________________________ 1 .022685 .018863 .015041 .011342 .007521 .003822 1 2 .022562 .018740 .014918 .011219 .007397 .003699 2 3 .022438 .018616 .014795 .011096 .007274 .003575 3 4 .022315 .018493 .014671 .010973 .007151 .003452 4 5 .022192 .018370 .014548 .010849 .007027 .003329 5 6 .022069 .018247 .014425 .010726 .006904 .003206 6 7 .021945 .018123 .014301 .010603 .006781 .003082 7 8 .021822 .018000 .014178 .010479 .006658 .002959 8 9 .021699 .017877 .014055 .010356 .006534 .002836 9 10 .021575 .017753 .013932 .010233 .006411 .002712 10 11 .021452 .017630- .013808 .010110 .006288 .002589 11 12 .021329 .017507 .013685 .009986 .006164 .002466 12 13 .021205 .017384 .013562 .009863 .006041 .002342 13 14 .021082 .017260 .013438 .009740 .005918 .002219 14 15 .020959 .017137 .013315 .009616 .005795 .002096 15 16 .020836 .017014 .013192 .009493 .005671 .001973 16 17 .020712 .016890 .013069 .009370 .005548 .001849 17 18 .020589 .016767 .012945 .009247 .005425 .001726 18 19 .020466 .016644 .012822 .009123 .005301 .001603 19 20 .020342 .016521 .012699 .009000 .005178 .001479 20 21 .020219 .016397 .012575 .008877 .005055 .001356 21 22 .020096 .016274 .012452 .008753 .004932 .001233 22 23 .019973 .016151 .012329 .008630 ..004808 .001110 23 24 .019849 .016027 .012205 .008507 .004685 .000986 24 25 .019726 .015904 .012082 .008384 .004562 .000863 25 26 .019603 .015781 .011959 .008260 .004438 .000740 26 27 .019479 .015658 .011836 .008137 .004315 .000616 27 28 .019356 .015534 .011712 .008014 .004192 .000493 28 29 .019233 .015411 .011589 .007890 .004069 .000370 29 30 .019110 .015288 .011466 .007767 .003945 .000247 30 31 .018986 .015164 .007644 .000123 31 _________________________________________________________________________ o O o RD Instruction 440.1 Exhibit C-7 Page 1 FACTORS FOR COMPUTING INTEREST CHARGE ON $1.00 AT 4-3/4% BETWEEN A GIVEN DATE AND JANUARY 1 __________________________________________________________________________ Day January February March April May June Day __________________________________________________________________________ 1 .047500 .043466 .039822 .035788 .031884 .027849 1 2 .047370 .043336 .039692 .035658 .031753 .027719 2 3 .047240 .043205 .039562 .035527 .031623 .027589 3 4 .047110 .043075 .039432 .035397 .031493 .027459 4 5 .046979 .042945 .039301 .035267 .031363 .027329 5 6 .046849 .042815 .039171 .035137 .031233 .027199 6 7 .046719 .042685 .039041 .035007 .031103 .027068 7 8 .046589 .042555 .038911 .034877 .030973 .026938 8 9 .046459 .042425 .038781 .034747 .030842 .026808 9 10 .046329 .042295 .038651 .034616 .030712 .026678 10 11 .046199 .042164 .038521 .034486 .030582 .026548 11 12 .046068 .042034 .038390 .034356 .030452 .026418 12 13 .045938 .041904 .038260 .034226 .030322 .026288 13 14 .045808 .041774 .038130 .034096 .030192 .026158 14 15 .045678 .041644 .038000 .033966 .030062 .026027 15 16 .045548 .041514 .037870 .033836 .029932 .025897 16 17 .045418 .041384 .037740 .033705 .029801 .025767 17 18 .045288 .041253 .037610 .033575 .029671 .025637 18 19 .045158 .041123 .037479 .033445 .029541 .025507 19 20 .045027 .040993 .037349 .033315 .029411 .025377 20 21 .044897 .040863 .037219 .033185 .029281 .025247 21 22 .044767 .040733 .037089 .033055 .029151 .025116 22 23 .044637 .040603 .036959 .032925 .029021 .024986 23 24 .044507 .040473 .036829 .032795 .028890 .024856 24 25 .044377 .040342 .036699 .032664 .028760 .024726 25 26 .044247 .040212 .036568 .032534 .028630 .024596 26 27 .044116 .040082 .036438 .032404 .028500 .024466 27 28 .043986 .039952 .036308 .032274 .028370 .024336 28 29 .043856 * .036178 .032144 .028240 .024205 29 30 .043726 .036048 .032014 .028110 .024075 30 31 .043596 .035918 .027980 31 __________________________________________________________________________ * For February 29 use factor for March 1. (12-5-68) PN 135 RD Instruction 440.1 Exhibit C-7 Page 2 FACTORS FOR COMPUTING INTEREST CHARGE ON $1.00 AT 4-3/4% BETWEEN A GIVEN DATE AND JANUARY 1 __________________________________________________________________________ Day July August September October November December Day __________________________________________________________________________ 1 .023945 .019911 .015877 .011973 .007938 .004034 1 2 .023815 .019781 .015747 .011842 .007808 .003904 2 3 .023685 .019651 .015616 .011712 .007678 .003774 3 4 .023555 .019521 .015486 .011582 .007548 .003644 4 5 .023425 .019390 .015356 .011452 .007418 .003514 5 6 .023295 .019260 .015226 .011322 .007288 .003384 6 7 .023164 .019130 .015096 .011192 .007158 .003253 7 8 .023034 .019000 .014966 .011062 .007027 .003123 8 9 .022904 .018870 .014836 .010932 .006897 .002993 9 10 .022774 .018740 .014705 .010801 .006767 .002863 10 11 .022644 .018610 .014575 .010671 .006637 .002733 11 12 .022514 .018479 .014445 .010541 .006507 .002603 12 13 .022384 .018349 .014315 .010411 .006377 .002473 13 14 .022253 .018219 .014181 .010281 .006247 .002342 14 15 .022123 .018089 .014055 .010151 .006116 .002212 15 16 .021993 .017959 .013925 .010021 .005986 .002082 16 17 .021863 .017829 .013795 .009890 .005856 .001952 17 18 .021733 .017699 .013664 .009760 .005726 .001822 18 19 .021603 .017568 .013534 .009630 .005596 .001692 19 20 .021473 .017438 .013404 .009500 .005466 .001562 20 21 .021342 .017308 .013274 .009370 .005336 .001432 21 22 .021212 .017178 .013144 .009240 .005205 .001301 22 23 .021082 .017048 .013014 .009110 .005075 .001171 23 24 .020952 .016918 .012884 .008979 .004945 .001041 24 25 .020822 .016788 .012753 .008849 .004815 .000911 25 26 .020692 .016658 .012623 .008719 .004685 .000781 26 27 .020562 .016527 .012493 .008589 .004555 .000651 27 28 .020432 .016397 .012363 .008459 .004425 .000521 28 29 .020301 .016267 .012233 .008329 .004295 .000390 29 30 .020171 .016137 .012103 .008199 .004164 .000260 30 31 .020041 .016007 .008068 .000130 31 __________________________________________________________________________ o O o RD Instruction 440.1 Exhibit C-8 Page 1 FACTORS FOR COMPUTING INTEREST CHARGE ON $1.00 AT 5% BETWEEN A GIVEN DATE AND JANUARY 1 __________________________________________________________________________ Day January February March April May June Day __________________________________________________________________________ 1 .000000 .045753 .041918 .037671 .033562 .029315 1 2 .049863 .045616 .041781 .037534 .033425 .029178 2 3 .049726 .045479 .041644 .037397 .033288 .029041 3 4 .049589 .045342 .041507 .037260 .033151 .028904 4 5 .049452 .045205 .041370 .037123 .033014 .028767 5 6 .049315 .045068 .041233 .036986 .032877 .028630 6 7 .049178 .044932 .041096 .036849 .032740 .028493 7 8 .049041 .044795 .040959 .036712 .032603 .028356 8 9 .048904 .044658 .040822 .036575 .032466 .028219 9 10 .048767 .044521 .040685 .036438 .032329 .028082 10 11 .048630 .044384 .040548 .036301 .032192 .027945 11 12 .048493 .044247 .040411 .036164 .032055 .027808 12 13 .048356 .044110 .040274 .036027 .031918 .027671 13 14 .048219 .043973 .040137 .035890 .031781 .027534 14 15 .048082 .043836 .040000 .035753 .031644 .027397 15 16 .047945 .043699 .039863 .035616 .031507 .027260 16 17 .047808 .043562 .039726 .035479 .031370 .027123 17 18 .047671 .043425 .039589 .035342 .031233 .026986 18 19 .047534 .043288 .039452 .035205 .031096 .026849 19 20 .047397 .043151 .039315 .035068 .030959 .026712 20 21 .047260 .043014 .039178 .034932 .030822 .026575 21 22 .047123 .042877 .039041 .034795 .030685 .026438 22 23 .046986 .042740 .038904 .034658 .030548 .026301 23 24 .046849 .042603 .038767 .034521 .030411 .026164 24 25 .046712 .042466 .038630 .034384 .030274 .026027 25 26 .046575 .042329 .038493 .034247 .030137 .025890 26 27 .046438 .042192 .038356 .034110 .030000 .025753 27 28 .046301 .042055 .038219 .033973 .029863 .025616 28 29 .046164 * .038082 .033836 .029726 .025479 29 30 .046027 .037945 .033699 .029589 .025342 30 31 .045890 .037808 .029452 31 __________________________________________________________________________ *For February 29 use factor for March 1. (12-5-68) PN 135 RD Instruction 440.1 Exhibit C-8 Page 2 FACTORS FOR COMPUTING INTEREST CHARGE ON $1.00 AT 5% BETWEEN A GIVEN DATE AND JANUARY 1 __________________________________________________________________________ Day July August September October November December Day __________________________________________________________________________ 1 .025205 .020959 .016712 .012603 .008356 .004247 1 2 .025068 .020822 .016575 .012466 .008219 .004110 2 3 .024932 .020685 .016438 .012329 .008082 .003973 3 4 .024795 .020548 .016301 .012192 .007945 .003836 4 5 .024658 .020411 .016164 .012055 .007808 .003699 5 6 .024521 .020274 .016027 .011918 .007671 .003562 6 7 .024384 .020137 .015890 .011781 .007534 .003425 7 8 .024247 .020000 .015753 .011644 .007397 .003288 8 9 .024110 .019863 .015616 .011507 .007260 .003151 9 10 .023973 .019726 .015479 .011370 .007123 .003014 10 11 .023836 .019589 .015342 .011233 .006986 .002877 11 12 .023699 .019452 .015205 .011096 .006849 .002740 12 13 .023562 .019315 .015068 .010959 .006712 .002603 13 14 .023425 .019178 .014932 .010822 .006575 .002466 14 15 .023288 .019041 .014795 .010685 .006438 .002329 15 16 .023151 .018904 .014658 .010548 .006301 .002192 16 17 .023014 .018767 .014521 .010411 .006164 .002055 17 18 .022877 .018630 .014384 .010274 .006027 .001918 18 19 .022740 .018493 .014247 .010137 .005890 .001781 19 20 .022603 .018356 .014110 .010000 .005753 .001644 20 21 .022466 .018219 .013973 .009863 .005616 .001507 21 22 .022329 .018082 .013836 .009726 .005479 .001370 22 23 .022192 .017945 .013699 .009589 .005342 .001233 23 24 .022055 .017808 .013562 .009452 .005205 .001096 24 25 .021918 .017671 .013425 .009315 .005068 .000959 25 26 .021781 .017534 .013288 .009178 .004932 .000822 26 27 .021644 .017397 .013151 .009041 .004795 .000685 27 28 .021507 .017260 .013014 .008904 .004658 .000548 28 29 .021370 .017123 .012877 .008767 .004521 .000411 29 30 .021233 .016986 .012740 .008630 .004384 .000274 30 31 .021096 .016849 .008493 .000137 31 __________________________________________________________________________ o O o RD Instruction 440.1 Exhibit C-9 Page 1 FACTORS FOR COMPUTING INTEREST CHARGE ON $1.00 AT 7% BETWEEN A GIVEN DATE AND JANUARY 1 __________________________________________________________________________ Day January February March April May June __________________________________________________________________________ 01 .070000 .064055 .058685 .052740 .046986 .041041 02 .069808 .063863 .058493 .052548 .046795 .040849 03 .069616 .063671 .058301 .052356 .046603 .040658 04 .069425 .063479 .058110 .052164 .046411 .040466 05 .069233 .063288 .057918 .051973 .046219 .040274 06 .069041 .063096 .057726 .051781 .046027 .040082 07 .068849 .062904 .057534 .051589 .045836 .039890 08 .068658 .062712 .057342 .051397 .045644 .039699 09 .068466 .062521 .057151 .051205 .045452 .039507 10 .068274 .062329 .056959 .051014 .045260 .039315 11 .068082 .062137 .056767 .050822 .045068 .039123 12 .067890 .061945 .056575 .050630 .044877 .038932 13 .067699 .061753 .056384 .050438 .044685 .038740 14 .067507 .061562 .056192 .050247 .044493 .038548 15 .067315 .061370 .056000 .050055 .044301 .038356 16 .067123 .061178 .055808 .049863 .044110 .038164 17 .066932 .060986 .055616 .049671 .043918 .037973 18 .066740 .060795 .055425 .049479 .043726 .037781 19 .066548 .060603 .055233 .049288 .043534 .037589 20 .066356 .060411 .055041 .049096 .043342 .037397 21 .066164 .060219 .054849 .048904 .043151 .037205 22 .065973 .060027 .054658 .048712 .042959 .037014 23 .065781 .059836 .054466 .048521 .042767 .036822 24 .065589 .059644 .054274 .048329 .042575 .036630 25 .065397 .059452 .054082 .048137 .042384 .036438 26 .065205 .059260 .053890 .047945 .042192 .036247 27 .065014 .059068 .053699 .047753 .042000 .036055 28 .064822 .058877 .053507 .047562 .041808 .035863 29 .064630 .058685 .053315 .047370 .041616 .035671 30 .064438 .053123 .047178 .041425 .035479 31 .064247 .052932 .041233 __________________________________________________________________________ (5-9-73) PN 360 RD Instruction 440.1 Exhibit C-9 Page 2 FACTORS FOR COMPUTING INTEREST CHARGE ON $1.00 AT 7% BETWEEN A GIVEN DATE AND JANUARY 1 __________________________________________________________________________ Day July August September October November December __________________________________________________________________________ 01 .035288 .029342 .023397 .017644 .011699 .005945 02 .035096 .029151 .023205 .017452 .011507 .005753 03 .034904 .028959 .023014 .017260 .011315 .005562 04 .034712 .028767 .022822 .017068 .011123 .005370 05 .034521 .028575 .022630 .016877 .010932 .005178 06 .034329 .028384 .022438 .016685 .010740 .004986 07 .034137 .028192 .022247 .016493 .010548 .004795 08 .033945 .028000 .022055 .016301 .010356 .004603 09 .033753 .027808 .021863 .016110 .010164 .004411 10 .033562 .027616 .021671 .015918 .009973 .004219 11 .033370 .027425 .021479 .015726 .009781 .004027 12 .033178 .027233 .021288 .015534 .009589 .003836 13 .032986 .027041 .021096 .015342 .009397 .003644 14 .032795 .026849 .020904 .015151 .009205 .003452 15 .032603 .026658 .020712 .014959 .009014 .003260 16 .032411 .026466 .020521 .014767 .008822 .003068 17 .032219 .026274 .020329 .014575 .008630 .002877 18 .032027 .026082 .020137 .014384 .008438 .002685 19 .031836 .025890 .019945 .014192 .008247 .002493 20 .031644 .025699 .019753 .014000 .008055 .002301 21 .031452 .025507 .019562 .013808 .007863 .002110 22 .031260 .025315 .019370 .013616 .007671 .001918 23 .031068 .025123 .019178 .013425 .007479 .001726 24 .030877 .024932 .018986 .013233 .007288 .001534 25 .030685 .024740 .018795 .013041 .007096 .001342 26 .030493 .024548 .018603 .012849 .006904 .001151 27 .030301 .024356 .018411 .012658 .006712 .000959 28 .030110 .024164 .018219 .012466 .006521 .000767 29 .029918 .023973 .018027 .012274 .006329 .000575 30 .029726 .023781 .017836 .012082 .006137 .000384 31 .029534 .023589 .011890 .000192 __________________________________________________________________________ Exhibits C-10 through C-109 in PDF ONLY. RD Instruction 440.1 Exhibit E Page 1 PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT RATES COMPUTED ON A FISCAL YEAR BASIS FOR USE WITH WATERSHED, RURAL RENEWAL, AND RESOURCE CONSERVATION AND DEVELOPMENT LOANS 3.222 Factor 3.225 Factor 3.253 Factor 3.256 Factor 3.342 Factor No. ofFor FY Ending For FY Ending For FY Ending For FY EndingFor FY Ending Years June 30, 1966 June 30, 1967 June 30, 1968 June 30, 1969June 30, 1970 1 1.03220 1.03225 1.03253 1.03256 1.03342 2 .52429 .52432 .52453 .52455 .52519 3 .35504 .35506 .35525 .35527 .35585 4 .27046 .27048 .27066 .27068 .27122 5 .21974 .21976 .21993 .21995 .22019 6 .18596 .18598 .18615 .18617 .18669 7 .16185 .16187 .16204 .16206 .16258 8 .14379 .14381 .14398 .14400 .14452 9 .12977 .12978 .12995 .12997 .13049 10 .11856 .11858 .11875 .11877 .11928 11 .10941 .10943 .10960 .10962 .11013 12 .10180 .10182 .10199 .10200 .10252 13 .09537 .09539 .09556 .09558 .09610 14 .08987 .08989 .09006 .09008 .09060 15 .08512 .08514 .08531 .08533 .08585 16 .08097 .08099 .08116 .08118 .08171 17 .07732 .07734 .07751 .07753 .07806 18 .07408 .07410 .07427 .07429 .07483 19 .07119 .07121 .07139 .07141 .07194 20 .06860 .06862 .06880 .06882 .06936 21 .06627 .06629 .06646 .06648 .06703 22 .06415 .06417 .06435 .06437 .06492 23 .06223 .06225 .06242 .06244 .06300 24 .06047 .06049 .06067 .06069 .06124 25 .05886 .05888 .05906 .05908 .05964 26 .05738 .05740 .05758 .05760 .05816 27 .05601 .05603 .05622 .05624 .05680 28 .05475 .05477 .05495 .05497 .05554 29 .05358 .05360 .05379 .05381 .05438 30 .05249 .05251 .05270 .05272 .05330 31 .05148 .05150 .05169 .05171 .05229 32 .05054 .05056 .05075 .05077 .05136 33 .04966 .04968 .04987 .04989 .05048 34 .04883 .04885 .04905 .04907 .04966 35 .04806 .04808 .04827 .04830 .04889 (7-24-69) PN 163 RD Instruction 440.1 Exhibit E Page 2 PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT RATES COMPUTED ON A FISCAL YEAR BASIS FOR USE WITH WATERSHED, RURAL RENEWAL, AND RESOURCE CONSERVATION AND DEVELOPMENT LOANS 3.222 Factor 3.225 Factor 3.253 Factor 3.256 Factor 3.342 Factor No. ofFor FY Ending For FY Ending For FY Ending For FY EndingFor FY Ending Years June 30, 1966 June 30, 1967 June 30, 1968 June 30, 1969June 30, 1970 36 .04733 .04735 .04755 .04757 .04817 37 .04665 .04667 .04687 .04689 .04749 38 .04601 .04603 .04623 .04625 .04685 39 .04540 .04542 .04562 .04564 .04625 40 .04483 .04485 .04505 .04507 .04569 41 .04429 .04431 .04451 .04453 .04515 42 .04378 .04380 .04400 .04402 .04464 43 .04329 .04331 .04352 .04354 .04416 44 .04283 .04285 .04306 .04308 .04371 45 .04240 .04242 .04262 .04265 .04328 46 .04198 .04200 .04221 .04223 .04287 47 .04159 .04161 .04182 .04184 .04248 48 .04121 .04124 .04145 .04147 .04211 49 .04086 .04088 .04109 .04111 .04176 50 .04052 .04054 .04075 .04078 .04143 RD Instruction 440.1 Exhibit E Page 3 (Revision 4) PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT RATES COMPUTED ON A FISCAL YEAR BASIS FOR USE WITH WATERSHED AND RESOURCE CONSERVATION AND DEVELOPMENT LOANS 3.463 Factor 3.502 Factor 3.649 Factor 4.012 Factor No. of For FY Ending For FY Ending For FY Ending For FY Ending Years June 30, 1971 June 30, 1972 June 30, 1973 June 30, 1974 1 1.03463 1.03502 1.03649 1.04012 2 .52612 .52638 .52753 0.53028 3 .35668 .35695 .35795 0.36043 4 .27201 .27225 .27321 0.27556 5 .22125 .22149 .22242 0.22470 6 .18744 .18768 .18859 0.19083 7 .16332 .16355 .16446 0.16668 8 .14525 .14549 .14638 0.14860 9 .13122 .13146 .13235 0.13456 10 .12002 .12025 .12115 0.12336 11 .11087 .11110 .11200 0.11422 12 .10326 .10350 .10439 0.10663 13 .09684 .09707 .09797 0.10022 14 .09134 .09158 .09249 0.09474 15 .08660 .08684 .08775 0.09002 16 .08246 .08270 .08361 0.08590 17 .07881 .07906 .07998 0.08227 18 .07558 .07583 .07676 0.07907 19 .07271 .07295 .07389 0.07622 20 .07013 .07037 .07131 0.07366 21 .06780 .06805 .06900 0.07136 22 .06569 .06594 .06690 0.06928 23 .06378 .06403 .06499 0.06739 24 .06203 .06229 .06325 0.06567 25 .06043 .06069 .06166 0.06409 26 .05896 .05922 .06020 0.06265 27 .05761 .05787 .05885 0.06132 28 .05635 .05662 .05761 0.06010 29 .05520 .05546 .05646 0.05896 30 .05412 .05438 .05539 0.05791 (7-24-69) PN 163 RD Instruction 440.1 Exhibit E Page 4 (Revision 4) PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT RATES COMPUTED ON A FISCAL YEAR BASIS FOR USE WITH WATERSHED AND RESOURCE CONSERVATION AND DEVELOPMENT LOANS 3.463 Factor 3.502 Factor 3.649 Factor 4.012 Factor No. of For FY Ending For FY Ending For FY Ending For FY Ending Years June 30, 1971 June 30, 1972 June 30, 1973 June 30, 1974 31 .05312 .05339 .05440 0.05694 32 .05219 .05245 .05348 0.05603 33 .05132 .05159 .05261 0.05519 34 .05050 .05077 .05181 0.05440 35 .04974 .05001 .05105 0.05366 36 .04902 .04930 .05035 0.05297 37 .04835 .04863 .04968 0.05233 38 .04772 .04800 .04906 0.05172 39 .04712 .04740 .04847 0.05115 40 .04656 .04684 .04792 0.05061 41 .04603 .04631 .04739 0.05011 42 .04553 .04581 .04690 0.04963 43 .04505 .04534 .04643 0.04918 44 .04460 .04489 .04599 0.04876 45 .04418 .04447 .04557 0.04836 46 .04377 .04407 .04518 0.04798 47 .04339 .04368 .04480 0.04762 48 .04303 .04332 .04445 0.04728 49 .04268 .04298 .04411 0.04695 50 .04235 .04265 .04379 0.04665 (7-31-74) PN 424 RD Instruction 440.1 Exhibit E Page 5 (Revision 1) PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 4.371% and 5.116% BASED ON PAYMENTS BEING MADE ANNUALLY NUMBER 4.371% Factor For 5.116% Factor For OF YEARS FY Ending 6/30/75 FY Ending 6/30/76 1 1.04371 1.05116 2 .53301 .53868 3 .36288 .36800 1 .27790 .28277 5 .22697 .23171 6 .19307 .19775 7 .16890 .17354 8 .15081 .15545 9 .13677 .14142 10 .12558 .13023 11 .11644 .12112 12 .10886 .11356 13 .10246 .10720 14 .09700 .10177 15 .09229 .09710 16 .08818 .09303 17 .08458 .08947 18 .08139 .08632 19 .07856 .08353 20 .07602 .08103 21 .07374 .07879 22 .07167 .07678 23 .06980 .07495 24 .06810 .07329 25 .06655 .07178 26 .06512 .07040 27 .06381 .06913 28 .06261 .06797 29 .06149 .06690 30 .06046 .06591 31 .05951 .06500 32 .05862 .06416 33 .05779 .06337 34 .05703 .06265 35 .05631 .06197 (7-24-69) PN 163 RD Instruction 440.1 Exhibit E Page 6 NUMBER 4.371% Factor For 5.116% Factor For OF YEARS FY Ending 6/30/75 FY Ending 6/30/76 36 .05564 .06134 37 .05501 .06075 38 .05442 .06020 39 .05387 .05969 40 .05335 .05921 41 .05286 .05876 42 .05240 .05833 43 .05197 .05794 44 .05156 .05757 45 .05117 .05722 46 .05081 .05689 47 .05047 .05658 48 .05014 .05629 49 .04984 .05602 50 .04954 .05576 (Added 8-27-75 - PN 480.) RD Instruction 440.1 Exhibit E Page 7 PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 5.683% BASED ON PAYMENTS BEING MADE ANNUALLY NUMBER OF YEARS AMOUNT 1 1.05683 2 0.54302 3 0.37192 4 0.28650 5 0.23536 6 0.20135 7 0.17713 8 0.15903 9 0.14501 10 0.13384 11 0.12475 12 0.11722 13 0.11088 14 0.10549 15 0.10085 16 0.09681 17 0.09329 18 0.09018 19 0.08742 20 0.08496 21 0.08276 22 0.08078 23 0.07899 24 0.07737 25 0.07589 26 0.07455 27 0.07332 28 0.07219 29 0.07116 30 0.07021 31 0.06933 32 0.06852 33 0.06777 34 0.06708 35 0.06643 36 0.06583 37 0.06528 38 0.06476 39 0.06428 40 0.06383 41 0.06341 42 0.06302 43 0.06265 44 0.06231 45 0.06199 46 0.06169 47 0.06141 48 0.06114 49 0.06089 50 0.06066 (Added 12-22-76 - PN 549.) o O o RD Instruction 440.1 Exhibit F-1 Page 1 PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 1%, 2«%, 3%, 3«%, 3-3/4%, 4%, and 4-1/8% No. of Amount Amount Amount Amount Amount Amount Amount Years at 1% at 2«% at 3% at 3«% at 3-3/4% at 4% at 4-1/8% 1 1.01000 1.02500 1.03000 1.03500 1.03750 1.04000 1.04125 2 .50751 .51883 .52261 .52640 .52830 .53020 .53115 3 .34002 .30514 .35353 .35693 .35864 .36035 .36120 4 .25628 .26582 .26903 .27225 .27387 .27549 .27630 5 .20604 .21525 .21835 .22148 .22305 .22463 .22542 6 .17255 .18155 .18460 .18767 .18921 .19076 .19154 7 .14863 .15750 .16051 .16354 .16507 .16661 .16738 8 .13069 .13947 .14246 .14548 .14700 .14853 .14930 9 .11674 .12546 .12843 .13145 .13297 .13449 .13526 10 .10558 .11426 .11723 .12024 .12176 .12329 .12406 11 .09645 .10511 .10808 .11109 .11262 .11415 .11492 12 .08885 .09749 .10046 .10348 .10501 .10655 .10733 13 .08241 .09105 .09403 .09706 .09860 .10014 .10092 14 .07690 .08554 .08853 .09157 .09311 .09467 .09545 15 .07212 .08077 .08377 .08683 .08838 .08994 .09073 16 .06794 .07660 .07961 .08268 .08424 .08582 .08661 17 .06426 .07293 .07595 .07904 .08061 .08220 .08300 18 .06098 .06967 .07271 .07582 .07740 .07899 .07980 19 .05805 .06676 .06981 .07294 .07453 .07614 .07695 20 .05542 .06415 .06722 .07036 .07196 .07358 .07440 21 .05303 .06179 .06487 .06804 .06965 .07128 .07210 22 .05086 .05965 .06275 .06593 .06756 .06920 .07003 23 .04889 .05770 .06081 .06402 .06565 .06731 .06814 24 .04707 .05591 .05905 .06227 .06392 .06559 .06643 25 .04541 .05428 .05743 .06067 .06233 .06401 .06486 26 .04387 .05277 .05594 .05921 .06087 .06257 .06342 27 .04245 .05138 .05456 .05785 .05953 .06124 .06210 28 .04112 .05009 .05329 .05660 .05830 .06001 .06088 29 .03990 .04889 .05211 .05545 .05715 .05888 .05975 30 .03875 .04778 .05102 .05437 .05609 .05783 .05871 31 .03768 .04674 .05000 .05337 .05510 .05686 .05774 32 .03667 .04577 .04905 .05244 .05418 .05595 .05684 33 .03573 .04486 .04816 .05157 .05332 .05510 .05600 34 .03484 .04401 .04732 .05076 .05252 .05431 .05522 35 .03400 .04321 .04654 .05000 .05177 .05358 .05449 (6-11-75) PN 469 RD Instruction 440.1 Exhibit F-1 Page 2 PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 1%, 2«%, 3%, 3«%, 3-3/4%, 4%, and 4-1/8% No. of Amount Amount Amount Amount Amount Amount Amount Years at 1% at 2«% at 3% at 3«% at 3-3/4% at 4% at 4-1/8% 36 .03321 .04245 .04580 .04928 .05107 .05289 .05381 37 .03247 .04174 .04511 .04861 .05041 .05224 .05316 38 .03176 .04107 .04446 .04798 .04979 .05163 .05256 39 .03109 .04044 .04384 .04739 .04921 .05106 .05200 40 .03046 .03984 .04326 .04683 .04866 .05052 .05147 41 .02985 .04271 .04630 .04814 42 .02928 .04219 .04580 .04765 43 .02873 .04170 .04533 .04719 44 .02820 .04123 .04488 .04675 45 .02771 .04079 .04445 .04634 46 .02723 .04036 .04405 .04595 47 .02677 .03996 .04367 .04558 48 .02633 .03958 .04331 .04523 49 .02591 .03921 .04296 .04489 50 .02551 .03887 .04263 .04457 oOo RD Instruction 440.1 Exhibit F-2 Page 1 (Revision 1) PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 4«%, 4-3/4%, 4-7/8%, 5%, 5-1/8%, 5«%, 5-3/4%, and 6% (Revised 5-19-71, PN 257) No. of Amount Amount Amount Amount Amount Amount Amount Year at 4«% at 4-3/4% at 5% at 5-1/8% at 5«% at 5-3/4% at 6% 1 1.04500 1.04750 1.05000 1.05125 1.05500 1.05750 1.06000 2 .53400 .53590 .53780 .53876 .54162 .54353 .54544 3 .36377 .36549 .36721 .36807 .37065 .37238 .37411 4 .27874 .28038 .28201 .28283 .28530 .28694 .28859 5 .22779 .22938 .23097 .23177 .23418 .23578 .23740 6 .19388 .19545 .19702 .19781 .20018 .20177 .20336 7 .16970 .17126 .17282 .17360 .17596 .17755 .17914 8 .15161 .15316 .15472 .15550 .15786 .15945 .16104 9 .13757 .13913 .14069 .14147 .14384 .14543 .14702 10 .12638 .12794 .12950 .13029 .13267 .13426 .13587 11 .11725 .11881 .12039 .12118 .12357 .12518 .12679 12 .10967 .11124 .11283 .11362 .11603 .11765 .11928 13 .10328 .10486 .10646 .10726 .10968 .11132 .11296 14 .09782 .09942 .10102 .10183 .10428 .10593 .10758 15 .09311 .09472 .09634 .09716 .09963 .10129 .10296 16 .08902 .09064 .09227 .09309 .09558 .09726 .09895 17 .08542 .08705 .08870 .08953 .09204 .09374 .09544 18 .08224 .08388 .08555 .08638 .08892 .09063 .09236 19 .07941 .08107 .08275 .08359 .08615 .08788 .08962 20 .07688 .07855 .08024 .08110 .08368 .08542 .08718 21 .07460 .07629 .07800 .07886 .08146 .08323 .08500 22 .07255 .07425 .07597 .07684 .07947 .08125 .08305 23 .07068 .07240 .07414 .07501 .07767 .07946 .08128 24 .06899 .07072 .07247 .07335 .07604 .07785 .07968 25 .06744 .06919 .07095 .07184 .07455 .07638 .07823 26 .06602 .06778 .06956 .07046 .07319 .07504 .07690 27 .06472 .06649 .06829 .06920 .07195 .07381 .07570 28 .06352 .06531 .06712 .06804 .07081 .07269 .07459 29 .06241 .06422 .06605 .06697 .06977 .07166 .07358 30 .06139 .06321 .06505 .06598 .06881 .07072 .07265 31 .06044 .06228 .06413 .06507 .06792 .06984 .07179 32 .05956 .06141 .06328 .06423 .06710 .06904 .07100 33 .05874 .06060 .06249 .06344 .06633 .06829 .07027 34 .05798 .05986 .06176 .06271 .06563 .06760 .06960 35 .05727 .05916 .06107 .06204 .06497 .06696 .06897 (12-5-68) PN 135 RD Instruction 440.1 Exhibit F-2 Page 2 (Revision 1) PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 4«%, 4-3/4%, 4-7/8%, 5%, 5-1/8%, 5«%, 5-3/4%, and 6% (Revised 5-19-71, PN 257) No. of Amount Amount Amount Amount Amount Amount Amount Year at 4«% at 4-3/4% at 5% at 5-1/8% at 5«% at 5-3/4% at 6% 36 .05661 .05851 .06043 .06141 .06437 .06637 .06839 37 .05598 .05790 .05984 .06082 .06380 .06582 .06786 38 .05540 .05733 .05928 .06027 .06327 .06530 .06736 39 .05486 .05680 .05876 .05976 .06278 .06482 .06689 40 .05434 .05630 .05828 .05928 .06232 .06438 .06646 41 .05883 42 .05841 43 .05802 44 .05764 45 .05729 46 .05697 47 .05666 48 .05637 49 .05610 50 .05584 (5-19-57) PN 257 RD Instruction 440.1 Exhibit F-2 Page 3 (Revision 4) PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 4-7/8%, 5-1/4%, 5-3/8%, 5-7/8%, 6-3/8% AND 6-3/4% No. of Amount at Amount at Amount at Amount at Amount at Amount at Years 4-7/8% 5-1/4% 5-3/8% 5-7/8% 6-3/8% 6-3/4% 1 1.04875 1.05250 1.05375 1.05875 1.06375 1.06750 2 .53685 .53970 .54066 .54448 .54830 0.55117 3 .36635 .36892 .36979 .37324 .37671 0.37931 4 .28119 .28365 .28447 .28777 .29107 0.29356 5 .23018 .23257 .23337 .23659 .23982 0.24226 6 .19623 .19859 .19938 .20256 .20576 0.20818 7 .17204 .17439 .17517 .17834 .18153 0.18394 8 .15394 .15629 .15707 .16024 .16343 0.16585 9 .13991 .14226 .14305 .14622 .14943 0.15186 10 .12872 .13108 .13187 .13506 .13829 0.14074 11 .11960 .12197 .12277 .12598 .12924 0.13170 12 .11203 .11442 .11522 .11846 .12174 0.12423 13 .10566 .10806 .10887 .11214 .11545 0.11796 14 .10022 .10264 .10346 .10675 .11010 0.11264 15 .09553 .09798 .09880 .10212 .10550 0.10807 16 .09145 .09392 .09475 .09810 .10152 0.10411 17 .08787 .09036 .09120 .09459 .09804 0.10066 18 .08471 .08722 .08807 .09149 .09497 0.09763 19 .08190 .08444 .08529 .08875 .09227 0.09495 20 .07939 .08195 .08281 .08630 .08986 0.09257 21 .07714 .07972 .08059 .08411 .08770 0.09044 22 .07511 .07771 .07859 .08215 .08577 0.08854 23 .07327 .07589 .07678 .08037 .08403 0.08683 24 .07159 .07424 .07514 .07876 .08246 0.08528 25 .07007 .07274 .07364 .07730 .08104 0.08389 26 .06867 .07137 .07228 .07597 .07974 0.08262 27 .06739 .07011 .07103 .07475 .07856 0.08146 28 .06621 .06896 .06988 .07364 .07748 0.08041 29 .06513 .06790 .06883 .07262 .07649 0.07945 30 .06413 .06692 .06786 .07168 .07559 0.07857 (12-5-68) PN 135 RD Instruction 440.1 Exhibit F-2 Page 4 (Revision 4) PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 4-7/8%, 5-1/4%, 5-3/8%, 5-7/8%, 6-3/8% AND 6-3/4% No. of Amount at Amount at Amount at Amount at Amount at Amount at Years 4-7/8% 5-1/4% 5-3/8% 5-7/8% 6-3/8% 6-3/4% 31 .06320 .06601 .06696 .07082 .07476 0.07777 32 .06234 .06518 .06613 .07002 .07399 0.07702 33 .06154 .06440 .06536 .06928 .07328 0.07634 34 .06080 .06368 .06860 .07263 0.07572 35 .06011 .06301 .06797 .07203 0.07514 36 .05947 .06239 .06738 .07148 0.07460 37 .05887 .06181 .06683 .07096 0.07411 38 .05830 .06127 .06633 .07048 0.07365 39 .05778 .06076 .06586 .07004 0.07323 40 .05728 .06029 .06542 .06963 0.07284 41 .06501 0.07248 42 .06463 0.07214 43 .06427 0.07187 44 .06394 0.07154 45 .06362 0.07127 46 .06333 0.07102 47 .06306 0.07079 48 .06280 0.07057 49 .06256 0.07037 50 .06234 0.07018 o O o RD Instruction 440.1 Exhibit F-3 Page 1 PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 6¬%, 6«%, 6-5/8%, 7%, and 7¬% No. of Amount Amount Amount Amount Amount Years at 6¬% at 6«% at 6-5/8% at 7% at 7¬% 1 1.06250 1.06500 1.06625 1.07000 1.07250 2 .54735 .54926 .55022 .55309 .55501 3 .37584 .37758 .37844 .38105 .38279 4 .29025 .29190 .29273 .29523 .29690 5 .23901 .24063 .24145 .24389 .24553 6 .20496 .20657 .20737 .20979 .21142 7 .18073 .18233 .18313 .18555 .18717 8 .16263 .16424 .16504 .16747 .16909 9 .14863 .15024 .15105 .15349 .15512 10 .13748 .13910 .13992 .14238 .14403 11 .12842 .13006 .13088 .13336 .13502 12 .12092 .12257 .12340 .12590 .12758 13 .11462 .11628 .11712 .11965 .12133 14 .10926 .11094 .11179 .11434 .11607 15 .10465 .10635 .10721 .10979 .11153 16 .10066 .10238 .10324 .10586 .10762 17 .09717 .09891 .09978 .10242 .10421 18 .09410 .09585 .09674 .09941 .10121 19 .09138 .09316 .09405 .09675 .09857 20 .08896 .09076 .09166 .09439 .09623 21 .08680 .08861 .08953 .09229 .09415 22 .08486 .08669 .08761 .09041 .09229 23 .08311 .08496 .08589 .08871 .09062 24 .08153 .08340 .08434 .08719 .08911 25 .08009 .08198 .08293 .08581 .08775 26 .07879 .08069 .08165 .08456 .08652 27 .07760 .07952 .08049 .08343 .08540 28 .07651 .07845 .07943 .08239 .08439 29 .07552 .07747 .07846 .08145 .08347 30 .07460 .07658 .07757 .08059 .08262 31 .07376 .07575 .07676 .07980 .08185 32 .07299 .07500 .07601 .07907 .08114 33 .07228 .07430 .07532 .07841 .08049 34 .07162 .07468 .07780 .07990 35 .07101 .07410 .07723 .07935 (9-20-72) PN 327 RD Instruction 440.1 Exhibit F-3 Page 2 PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 6¬%, 6«%, 6-5/8%, 7%, and 7¬% No. of Amount Amount Amount Amount Amount Years at 6¬% at 6«% at 6-5/8% at 7% at 7¬% 36 .07044 .07356 .07672 .07885 37 .06992 .07306 .07624 .07838 38 .06944 .07259 .07579 .07795 39 .06899 .07216 .07539 .07756 40 .06857 .07176 .07501 .07720 41 .06818 .07466 .07686 42 .06782 .07434 .07655 43 .06748 .07404 .07626 44 .06716 .07376 .07599 45 .06687 .07350 .07575 46 .06660 .07326 .07552 47 .06634 .07304 .07531 48 .06610 .07283 .07511 49 .06588 .07264 .07493 50 .06567 .07246 .07476 o O o RD Instruction 440.1 Exhibit F-4 Page 1 PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 7«%, 7-7/8%, 8%, & 9% No. of Amount Amount Amount Amount Years at 7«% at 7-7/8% at 8% at 9% 1 1.07500 1.07875 1.08000 1.09000 2 .55693 .55980 .56076 .56847 3 .38454 .38715 .38803 .39505 4 .29857 .30108 .30192 .30867 5 .24717 .24963 .25045 .25709 6 .21304 .21549 .21631 .22292 7 .18880 .19125 .19207 .19869 8 .17073 .17319 .17401 .18067 9 .15677 .15925 .16008 .16680 10 .14569 .14819 .14903 .15582 11 .13670 .13923 .14008 .14695 12 .12928 .13184 .13269 .13965 13 .12306 .12565 .12652 .13357 14 .11780 .12042 .12130 .12843 15 .11329 .11594 .11683 .12406 16 .10939 .11207 .11298 .12030 17 .10600 .10872 .10963 .11705 18 .10303 .10578 .10670 .11421 (9-21-73) SPECIAL PN 9-21-73 RD Instruction 440.1 Exhibit F-4 Page 2 PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 7«%, 7-7/8%, 8%, & 9% No. of Amount Amount Amount Amount Years at 7«% at 7-7/8% at 8% at 9% 19 .10041 .10319 .10413 .11173 20 .09809 .10091 .10185 .10955 21 .09603 .09888 .09983 .10762 22 .09419 .09706 .09803 .10590 23 .09254 .09544 .09642 .10438 24 .09105 .09399 .09498 .10302 25 .08971 .09268 .09368 .10181 26 .08850 .09150 .09251 .10072 27 .08740 .09043 .09145 .09973 28 .08641 .08946 .09049 .09885 29 .08550 .08858 .08962 .09806 30 .08467 .08778 .08883 .09734 31 .08392 .08705 .08811 .09669 32 .08323 .08639 .08745 .09610 33 .08259 .08578 .08685 .09556 34 .08523 .08630 .09508 35 .08472 .08580 .09464 36 .08425 .08534 .09424 37 .08382 .08492 .09387 38 .08343 .08454 .09354 39 .08307 .08418 .09324 40 .08274 .08386 .09296 RD Instruction 440.1 Exhibit F-4 Page 3 PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 7«%, 7-7/8%, 8%, & 9% No. of Amount Amount Amount Amount Years at 7«% at 7-7/8% at 8% at 9% 41 .08356 .09271 42 .08329 .09248 43 .08303 .09227 44 .08280 .09208 45 .08259 .09190 46 .08239 .09174 47 .08221 .09160 48 .08204 .09146 49 .08189 .09134 50 .08174 .09123 o O o (9-21-73) SPECIAL PN 9-21-73 RD Instruction 440.1 Exhibit F-5 Page 1 PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 7-3/4% AND 8¬% BASED ON PAYMENTS BEING MADE ANNUALLY No. of Amount Amount Years at 7-3/4% at 8¬% 1 1.07750 1.08250 2 .55885 .56269 3 .38628 .38978 4 .30024 .30360 5 .24881 .25211 6 .21468 .21796 7 .19043 .19372 8 .17237 .17567 9 .15842 .16175 10 .14735 .15071 11 .13838 .14178 12 .13098 .13442 13 .12479 .12827 14 .11954 .12306 15 .11505 .11862 16 .11118 .11479 17 .10781 .11146 18 .10486 .10856 19 .10226 .10601 20 .09996 .10375 21 .09792 .10176 22 .09610 .09998 23 .09447 .09839 24 .09301 .09697 25 .09169 .09569 26 .09049 .09454 27 .08942 .09350 28 .08844 .09256 29 .08755 .09170 30 .08674 .09093 31 .08600 .09023 32 .08533 .08959 33 .08471 .08901 .08415 .08847 .08363 .08799 (8-23-73) SPECIAL PN 8-23-73 RD Instruction 440.1 Exhibit F-5 Page 2 PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 7-3/4% AND 8¬% BASED ON PAYMENTS BEING MADE ANNUALLY No. of Amount Amount Years at 7-3/4% at 8¬% 36 .08316 .08754 37 .08273 .08714 38 .08233 .08677 39 .08196 .08643 40 .08162 .08611 41 .08131 .08583 42 .08102 .08556 43 .08076 .08532 44 .08052 .08510 45 .08029 .08490 46 .08008 .08471 47 .07989 .08454 48 .07972 .08438 49 .07955 .08423 50 .07940 .08410 o O o RD Instruction 440.1 Exhibit F-5 Page 3 PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 8.50% BASED ON PAYMENTS BEING MADE ANNUALLY NUMBER OF YEARS AMOUNT 1 1.08500 2 0.56461 3 0.39153 4 0.30528 5 0.25376 6 0.21960 7 0.19537 8 0.17733 9 0.16342 10 0.15241 11 0.14349 12 0.13615 13 0.13002 14 0.12484 15 0.12042 16 0.11661 17 0.11331 18 0.11043 19 0.10790 20 0.10567 21 0.10369 22 0.10194 23 0.10037 24 0.09897 25 0.09771 26 0.09658 27 0.09556 28 0.09464 29 0.09381 30 0.09305 31 0.09236 32 0.09174 33 0.09118 34 0.09066 35 0.09019 36 0.08976 37 0.08937 38 0.08901 39 0.08868 40 0.08838 41 0.08811 42 0.08786 43 0.08762 44 0.08741 45 0.08722 46 0.08704 47 0.08688 48 0.08673 49 0.08659 50 0.08646 (9-25-73) SPECIAL PN 9-25-73 RD Instruction 440.1 Exhibit F-6 Page 1 PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 8 3/4% BASED ON PAYMENTS BEING MADE ANNUALLY NUMBER OF YEARS AMOUNT 1 1.08750 2 .56654 3 .39329 4 .30698 5 .25543 6 .22126 7 .19703 8 .17900 9 .16511 10 .15411 11 .14521 12 .13790 13 .13179 14 .12663 15 .12223 16 .11845 17 .11517 18 .11231 19 .10981 20 .10760 21 .10565 22 .10391 23 .10237 24 .10099 25 .09975 26 .09864 27 .09764 28 .09674 29 .09592 30 .09519 31 .09452 32 .09391 33 .09336 34 .09286 35 .09241 36 .09199 37 .09161 38 .09127 39 .09095 40 .09066 41 .09040 42 .09016 43 .08994 44 .08974 45 .08955 46 .08939 47 .08923 48 .08909 49 .08896 50 .08884 (2-1-74) SPECIAL PN 2-1-74 RD Instruction 440.1 Exhibit F-7 PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 2% BASED ON PAYMENTS BEING MADE ANNUALLY NUMBER OF YEARS AMOUNT 1 1.02000 2 .51505 3 .34675 4 .26262 5 .21216 6 .17852 7 .15451 8 .13651 9 .12251 10 .11133 11 .10218 12 .09456 13 .08812 14 .08260 15 .07782 16 .07365 17 .06997 18 .06670 19 .06378 20 .06116 21 .05878 22 .05663 23 .05467 24 .05287 25 .05122 26 .04970 27 .04829 28 .04699 29 .04578 30 .04465 31 .04360 32 .04261 33 .04169 34 .04082 35 .04000 36 .03923 37 .03851 38 .03782 39 .03717 40 .03656 41 .03597 42 .03542 43 .03489 44 .03439 45 .03391 46 .03345 47 .03302 48 .03260 49 .03220 50 .03182 o O o (5-8-74) PN 412 RD Instruction 440.1 Exhibit F-8 (SPN 5-20-74) PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 9.25% BASED ON PAYMENTS BEING MADE ANNUALLY NUMBER OF YEARS AMOUNT 1 1.09250 2 .57039 3 .39681 4 .31036 5 .25876 6 .22458 7 .20036 8 .18236 9 .16850 10 .15754 11 .14869 12 .14141 13 .13535 14 .13024 15 .12589 16 .12216 17 .11893 18 .11612 19 .11366 20 .11150 21 .10960 22 .10791 23 .10641 24 .10507 25 .10388 26 .10280 27 .10184 28 .10098 29 .10020 30 .09950 31 .09887 32 .09829 33 .09778 34 .09731 35 .09688 36 .09649 37 .09614 38 .09582 39 .09553 40 .09527 41 .09503 42 .09481 43 .09461 44 .09443 45 .09426 46 .09411 47 .09397 48 .09384 49 .09373 50 .09362 (5-20-74) SPECIAL PN 5-20-74 o O o RD Instruction 440.1 Exhibit F-9 PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 9.5% BASED ON PAYMENTS BEING MADE ANNUALLY NUMBER OF YEARS AMOUNT 1 1.09500 2 0.57233 3 0.39858 4 0.31206 5 0.26044 6 0.22625 7 0.20204 8 0.18405 9 0.17020 10 0.15927 11 0.15044 12 0.14319 13 0.13715 14 0.13207 15 0.12774 16 0.12403 17 0.12083 18 0.11805 19 0.11561 20 0.11348 21 0.11159 22 0.10993 23 0.10845 24 0.10713 25 0.10596 26 0.10491 27 0.10397 28 0.10312 29 0.10236 30 0.10168 31 0.10106 32 0.10051 33 0.10000 34 0.09955 35 0.09914 36 0.09876 37 0.09843 38 0.09812 39 0.09784 40 0.09759 41 0.09736 42 0.09715 43 0.09696 44 0.09678 45 0.09663 46 0.09648 47 0.09635 48 0.09623 49 0.09613 50 0.09603 (7-17-74) SPECIAL PN o 0 o RD Instruction 440.1 Exhibit F-10 PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 10% BASED ON PAYMENTS BEING MADE ANNUALLY NUMBER OF YEARS AMOUNT 1 1.10000 2 0.57618 3 0.40211 4 0.31547 5 0.26380 6 0.22961 7 0.20540 8 0.18744 9 0.17364 10 0.16274 11 0.15396 12 0.14676 13 0.14078 14 0.13575 15 0.13147 16 0.12782 17 0.12466 18 0.12193 19 0.11955 20 0.11746 21 0.11562 22 0.11400 23 0.11257 24 0.11130 25 0.11017 26 0.10916 27 0.10826 28 0.10745 29 0.10673 30 0.10608 31 0.10550 32 0.10497 33 0.10450 34 0.10407 35 0.10369 36 0.10334 37 0.10303 38 0.10275 39 0.10249 40 0.10226 41 0.10205 42 0.10186 43 0.10169 44 0.10153 45 0.10139 46 0.10126 47 0.10115 48 0.10104 49 0.10095 50 0.10086 (9-11-74) PN 430 o O o RD Instruction 440.1 Exhibit F-11 PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 11% BASED ON PAYMENTS BEING MADE ANNUALLY NUMBER OF YEARS AMOUNT 1 1.11000 2 0.58393 3 0.40921 4 0.32232 5 0.27057 6 0.23637 7 0.21221 8 0.19432 9 0.18060 10 0.16980 11 0.16112 12 0.15403 13 0.14815 14 0.14323 15 0.13906 16 0.13552 17 0.13247 18 0.12984 19 0.12756 20 0.12558 21 0.12381 22 0.12231 23 0.12097 24 0.11979 25 0.11874 26 0.11781 27 0.11699 28 0.11626 29 0.11561 30 0.11502 31 0.11451 32 0.11404 33 0.11363 34 0.11326 35 0.11293 36 0.11263 37 0.11236 38 0.11213 39 0.11191 40 0.11172 41 0.11155 42 0.11139 43 0.11125 44 0.11113 45 0.11101 46 0.11091 47 0.11082 48 0.11074 49 0.11067 50 0.11060 (9-11-74) PN 430 o O o RD Instruction 440.1 Exhibit F-12 PERIODIC PAYMENT REQUIRED TO AMORTIZE $1.00 AND INTEREST AT 8.125% BASED ON PAYMENTS BEING MADE ANNUALLY NUMBER OF YEARS AMOUNT 1 1.08125 2 0.56173 3 0.38891 4 0.30276 5 0.25128 6 0.21714 7 0.19289 8 0.17484 9 0.16091 10 0.14987 11 0.14093 12 0.13356 13 0.12739 14 0.12218 15 0.11772 16 0.11388 17 0.11054 18 0.10763 19 0.10507 20 0.10280 21 0.10079 22 0.09900 23 0.09740 24 0.09597 25 0.09468 26 0.09352 27 0.09247 28 0.09152 29 0.09066 30 0.08988 31 0.08917 32 0.08852 33 0.08793 34 0.08739 35 0.08689 36 0.08644 37 0.08603 38 0.08565 39 0.08530 40 0.08498 41 0.08469 42 0.08442 43 0.08418 44 0.08395 45 0.08374 46 0.08355 47