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
05/24/2005
MaturityCIP/
EDP
Rate		Secure
Connect
Rate		Standard
Rate		Secure
Connect
Rate Change		Previous
SecureConnect
Rate
1 Mo + 1 day thru 2 Mo n/a 3.211 3.311 0.001 3.210
2 Mo + 1 day thru 3 Mo n/a 3.299 3.399 0.005 3.294
3 Mo + 1 day thru 6 Mo 3.370 3.510 3.610 -0.010 3.520
6 Mo + 1 day thru 1 Yr 3.620 3.760 3.860 -0.038 3.798
1yr thru 1.5yr 3.782 3.922 4.022 -0.070 3.992
1.5yr thru 2yr 3.875 4.015 4.115 -0.082 4.097
2yr thru 2.5yr 3.923 4.073 4.173 -0.091 4.164
2.5yr thru 3yr 3.984 4.134 4.234 -0.099 4.233
3yr thru 4yr 4.083 4.233 4.333 -0.109 4.342
4yr thru 5yr 4.147 4.297 4.397 -0.113 4.410
5yr thru 6yr 4.217 4.367 4.467 -0.116 4.483
6yr thru 7yr 4.275 4.425 4.525 -0.116 4.541
7yr thru 8yr 4.348 4.498 4.598 -0.115 4.613
8yr thru 9yr 4.416 4.566 4.666 -0.115 4.681
9yr thru 10yr 4.479 4.629 4.729 -0.118 4.747
10 yr thru 11 yr 4.524 4.674 4.774 -0.118 4.792
11yr thru 12yr 4.562 4.712 4.812 -0.118 4.830
12yr thru 13yr 4.600 4.750 4.850 -0.115 4.865
13yr thru 14yr 4.631 4.781 4.881 -0.115 4.896
14yr thru 15yr 4.660 4.810 4.910 -0.114 4.924
19yr thru 20yr 4.754 4.904 5.004 -0.114 5.018

Bullet Rates Amortizing LIBOR Short Term
SecureConnect Amortizing
05/24/2005
Balloon-->5 Yr7 Yr 10 Yr15 Yr20 Yr
5 Year4.183n/an/an/an/a
10 Year4.2634.3604.447n/an/a
15 Year4.2794.3924.5504.638n/a
20 Year4.2854.4054.5834.7214.760
30 Year4.2914.4154.6084.7734.851
Standard Amortizing
05/24/2005
Balloon-->5 Yr7 Yr 10 Yr15 Yr20 Yr
5 Year4.283n/an/an/an/a
10 Year4.3634.4604.548n/an/a
15 Year4.3794.4934.6504.739n/a
20 Year4.3864.5054.6834.8224.861
30 Year4.3914.5154.7084.8744.952
CIP/EDP Amortizing
05/24/2005
Balloon-->5 Yr7 Yr 10 Yr15 Yr20 Yr30 Yr
5 Year4.032n/an/an/an/an/a
10 Year4.1134.2094.297n/an/an/a
15 Year4.1294.2424.3994.487n/an/a
20 Year4.1354.2554.4324.5704.609n/a
30 Year4.1414.2654.4574.6224.7004.734

Bullet Rates Amortizing LIBOR Short Term

Term LIBOR Floaters
05/24/2005
SecureConnect
LIBOR Floater		1 month LIBOR3 month LIBOR
RateSpreadRateSpread
1yr thru 2yr3.1100.0203.289-0.010
2yr thru 3yr3.1200.0303.2990.000
3yr thru 5yr3.1500.0603.3290.030
Standard
LIBOR Floater		1 month LIBOR3 month LIBOR
RateSpreadRateSpread
1yr thru 2yr3.2100.1203.3890.090
2yr thru 3yr3.2200.1303.3990.100
3yr thru 5yr3.2500.1603.4290.130

CIP/EDP
LIBOR Floater		1 month LIBOR3 month LIBOR
RateSpreadRateSpread
1yr thru 2yr2.970-0.1203.149-0.150
2yr thru 3yr2.990-0.1003.169-0.130
3yr thru 5yr3.000-0.0903.179-0.120
Prepayable Term LIBOR Floaters
05/24/2005
SecureConnect
Prepayable LIBOR Floater		1 month LIBOR3 month LIBOR
RateSpreadRateSpread
1yr thru 2yr3.3600.2703.5390.240
2yr thru 3yr3.3700.2803.5490.250
3yr thru 5yr3.4000.3103.5790.280

Standard
Prepayable LIBOR Floater		1 month LIBOR3 month LIBOR
RateSpreadRateSpread
1yr thru 2yr3.4600.3703.6390.340
2yr thru 3yr3.4700.3803.6490.350
3yr thru 5yr3.5000.4103.6790.380

CIP/EDP
Prepayable LIBOR Floater		1 month LIBOR3 month LIBOR
RateSpreadRateSpread
1yr thru 2yr3.2200.1303.3990.100
2yr thru 3yr3.2400.1503.4190.120
3yr thru 5yr3.2500.1603.4290.130

LIBOR
05/24/2005
LIBOR IndexRate
1 Month 3.09000
2 Month 3.21063
3 Month 3.29875
6 Month 3.51000
9 Month 3.65750
12 Month 3.76000

Bullet Rates Amortizing LIBOR Short Term
Short Term
05/24/2005
FF OPEN 3.000
Standby Line of Credit 3.300
Overnight Liquidity(OLA) 3.450
DDA (as of 05/23/2005) 2.904

SecureConnect8 AM9 AM1 PM
SecureConnect Max O/N 3.050 n/an/a
SecureConnect Max FLTR 3.050 n/an/a
SecureConnect Saver O/N 3.050 3.1003.150
DNA 7 days 2.990 3.0403.090
DNA 14 days 3.010 3.0603.110
DNA 21 days 3.040 3.0903.140
DNA 28 days 3.040 3.0903.140
Standard 8 AM9 AM1 PM
WLA O/N 3.150 3.2003.250
WLA 2-7 days 3.090 3.1403.190
WLA 8-14 days 3.110 3.1603.210
WLA 15-21 days 3.140 3.1903.240
WLA 22-35 days 3.140 3.1903.240