DATE OF CHANGE

BORROWING RATE*

July 1, 1992

3.95%

April 1, 1993

2.75%

February 1, 1995

3.95%

May 1, 1999

3.35%

June 15, 2000

4.25%

October 1, 2000

4.60%

April 1, 2001

3.95%

August 1, 2001

3.60%

November 1, 2001

2.75%

February 1, 2002

2.25%

July 1, 2002

1.95%

June 1, 2003

1.70%

September 1, 2003

1.40%

November 1, 2004

2.15%

June 1, 2005

3.60%

July 1, 2006

3.85%

March 1, 2008

3.25%