Advance Pricing

The Bank reserves the right to adjust rates during the course of the business day in response to developments in the money and capital markets and other relevant factors.

Bullet Rates Amortizing LIBOR Short Term
Bullet Rates
02/23/2004
MaturityCIP/
EDP
Rate		Secure
Connect
Rate		Standard
Rate		Secure
Connect
Rate Change		Previous
SecureConnect
Rate
1 Mo + 1 day thru 2 Mo n/a 1.110 1.210 0.000 1.110
2 Mo + 1 day thru 3 Mo n/a 1.120 1.220 0.000 1.120
3 Mo + 1 day thru 6 Mo 1.040 1.180 1.280 0.008 1.172
6 Mo + 1 day thru 1 Yr 1.270 1.410 1.510 0.039 1.371
1yr thru 1.5yr 1.599 1.739 1.839 0.038 1.701
1.5yr thru 2yr 1.955 2.095 2.195 0.065 2.030
2yr thru 2.5yr 2.217 2.367 2.467 0.054 2.313
2.5yr thru 3yr 2.542 2.692 2.792 0.052 2.640
3yr thru 4yr 3.042 3.192 3.292 0.056 3.136
4yr thru 5yr 3.407 3.557 3.657 0.058 3.499
5yr thru 6yr 3.712 3.862 3.962 0.055 3.807
6yr thru 7yr 3.956 4.106 4.206 0.051 4.055
7yr thru 8yr 4.160 4.310 4.410 0.051 4.259
8yr thru 9yr 4.330 4.480 4.580 0.042 4.438
9yr thru 10yr 4.479 4.629 4.729 0.042 4.587
10 yr thru 11 yr 4.591 4.741 4.841 0.036 4.705
11yr thru 12yr 4.706 4.856 4.956 0.039 4.817
12yr thru 13yr 4.801 4.951 5.051 0.039 4.912
13yr thru 14yr 4.884 5.034 5.134 0.039 4.995
14yr thru 15yr 4.956 5.106 5.206 0.035 5.071
19yr thru 20yr 5.169 5.319 5.419 0.032 5.287

Bullet Rates Amortizing LIBOR Short Term
SecureConnect Amortizing
02/23/2004
Balloon-->5 Yr7 Yr 10 Yr15 Yr20 Yr
5 Year2.985n/an/an/an/a
10 Year3.3833.8034.046n/an/a
15 Year3.4623.9534.3754.616n/a
20 Year3.4954.0114.4814.8564.961
30 Year3.5254.0594.5615.0045.192
Standard Amortizing
02/23/2004
Balloon-->5 Yr7 Yr 10 Yr15 Yr20 Yr
5 Year3.086n/an/an/an/a
10 Year3.4843.9044.148n/an/a
15 Year3.5634.0544.4774.718n/a
20 Year3.5964.1124.5824.9585.063
30 Year3.6254.1604.6625.1065.294
CIP/EDP Amortizing
02/23/2004
Balloon-->5 Yr7 Yr 10 Yr15 Yr20 Yr30 Yr
5 Year2.834n/an/an/an/an/a
10 Year3.2323.6523.894n/an/an/a
15 Year3.3113.8024.2234.464n/an/a
20 Year3.3443.8604.3294.7044.808n/a
30 Year3.3743.9084.4104.8525.0405.098

Bullet Rates Amortizing LIBOR Short Term

Term LIBOR Floaters
02/23/2004
SecureConnect
LIBOR Floater		1 month LIBOR3 month LIBOR
RateSpreadRateSpread
1yr thru 2yr1.1200.0301.1200.000
2yr thru 3yr1.1400.0501.1400.020
3yr thru 5yr1.1800.0901.1800.060
Standard
LIBOR Floater		1 month LIBOR3 month LIBOR
RateSpreadRateSpread
1yr thru 2yr1.2200.1301.2200.100
2yr thru 3yr1.2400.1501.2400.120
3yr thru 5yr1.2800.1901.2800.160

CIP/EDP
LIBOR Floater		1 month LIBOR3 month LIBOR
RateSpreadRateSpread
1yr thru 2yr0.980-0.1100.980-0.140
2yr thru 3yr0.990-0.1000.990-0.130
3yr thru 5yr1.030-0.0601.030-0.090
Prepayable Term LIBOR Floaters
02/23/2004
SecureConnect
Prepayable LIBOR Floater		1 month LIBOR3 month LIBOR
RateSpreadRateSpread
1yr thru 2yr1.3700.2801.3700.250
2yr thru 3yr1.3900.3001.3900.270
3yr thru 5yr1.4300.3401.4300.310

Standard
Prepayable LIBOR Floater		1 month LIBOR3 month LIBOR
RateSpreadRateSpread
1yr thru 2yr1.4700.3801.4700.350
2yr thru 3yr1.4900.4001.4900.370
3yr thru 5yr1.5300.4401.5300.410

CIP/EDP
Prepayable LIBOR Floater		1 month LIBOR3 month LIBOR
RateSpreadRateSpread
1yr thru 2yr1.2300.1401.2300.110
2yr thru 3yr1.2400.1501.2400.120
3yr thru 5yr1.2800.1901.2800.160

LIBOR
02/23/2004
LIBOR IndexRate
1 Month 1.09000
2 Month 1.11000
3 Month 1.12000
6 Month 1.18000
9 Month 1.28000
12 Month 1.41000

Bullet Rates Amortizing LIBOR Short Term
Short Term
02/23/2004
FF OPEN 1.030
Standby Line of Credit 1.330
Overnight Liquidity(OLA) 1.480
DDA (as of 02/20/2004) 0.868

SecureConnect8 AM9 AM1 PM
SecureConnect Max O/N 1.080 n/an/a
SecureConnect Max FLTR 1.080 n/an/a
SecureConnect Saver O/N 1.080 1.1301.180
DNA 7 days 1.020 1.0701.120
DNA 14 days 1.020 1.0701.120
DNA 21 days 1.030 1.0801.130
DNA 28 days 1.040 1.0901.140
Standard 8 AM9 AM1 PM
WLA O/N 1.180 1.2301.280
WLA 2-7 days 1.120 1.1701.220
WLA 8-14 days 1.120 1.1701.220
WLA 15-21 days 1.130 1.1801.230
WLA 22-35 days 1.140 1.1901.240