2002 Applicable Federal Rates

December

Period for Compounding

Annual

Semiannual

Quarterly

Monthly

Short-term (<3 yrs)1.84 %1.83%1.83 %1.82 %
Mid-term (>3 yrs <9 yrs)3.31%3.28%3.27%3.26%
Long-term (>9 yrs)4.92%4.86%4.83%4.81%

November

Period for Compounding

Annual

Semiannual

Quarterly

Monthly

Short-term (<3 yrs)1.82 %1.81 %1.81 %1.80 %
Mid-term (>3 yrs <9 yrs)3.06%3.04%3.03%3.02%
Long-term (>9 yrs)4.60%4.55%4.52%4.51%

October

Period for Compounding

Annual

Semiannual

Quarterly

Monthly

Short-term (<3 yrs)2.03 %2.02 %2.01 %2.01 %
Mid-term (>3 yrs <9 yrs)3.46%3.43%3.42%3.41%
Long-term (>9 yrs)4.90%4.84%4.81%4.79%

September

Period for Compounding

Annual

Semiannual

Quarterly

Monthly

Short-term (<3 yrs)2.13 %2.12 %2.11 %2.11 %
Mid-term (>3 yrs <9 yrs)3.75%3.72%3.70%3.69%
Long-term (>9 yrs)5.23%5.16%5.13%5.11%

August

Period for Compounding

Annual

Semiannual

Quarterly

Monthly

Short-term (<3 yrs)2.54 %2.52 %2.51 %2.51 %
Mid-term (>3 yrs <9 yrs)4.24%4.20%4.18%4.16%
Long-term (>9 yrs)5.46%5.39%5.35%5.33%

July

Period for Compounding

Annual

Semiannual

Quarterly

Monthly

Short-term (<3 yrs)2.84 %2.82 %2.81 %2.80 %
Mid-term (>3 yrs <9 yrs)4.60%4.55%4.52%4.51%
Long-term (>9 yrs)5.69%5.61%5.57%5.55%

June

Period for Compounding

Annual

Semiannual

Quarterly

Monthly

Short-term (<3 yrs)2.91%2.89%2.88%2.87%
Mid-term (>3 yrs <9 yrs)4.74 %4.69%4.66%4.64%
Long-term (>9 yrs)5.70%5.62%5.58%5.56%

May

Period for Compounding

Annual

Semiannual

Quarterly

Monthly

Short-term (<3 yrs)3.21%3.18%3.17%3.16%
Mid-term (>3 yrs <9 yrs)4.99%4.93%4.90%4.88%
Long-term (>9 yrs)5.85%5.77%5.73%5.70%

April

Period for Compounding

Annual

Semiannual

Quarterly

Monthly

Short-term (<3 yrs)2.88%2.86%2.85%2.84%
Mid-term (>3 yrs <9 yrs)4.65%4.60%4.57%4.56%
Long-term (>9 yrs)5.62%5.54%5.50%5.48%

March

Period for Compounding

Annual

Semiannual

Quarterly

Monthly

Short-term (<3 yrs)2.69%2.67%2.66%2.66%
Mid-term (>3 yrs <9 yrs)4.52%4.47%4.45%4.43%
Long-term (>9 yrs)5.48%5.41%5.37%5.35%

February

Period for Compounding

Annual

Semiannual

Quarterly

Monthly

Short-term (<3 yrs)2.74 %2.72%2.71%2.70%
Mid-term (>3 yrs <9 yrs)4.63%4.58%4.55%4.54%
Long-term (>9 yrs)5.60%5.52%5.48%5.46%

January

Period for Compounding

Annual

Semiannual

Quarterly

Monthly

Short-term (<3 yrs)2.73 %2.71 %2.70%2.69%
Mid-term (>3 yrs <9 yrs)4.49%4.44%4.42%4.40%
Long-term (>9 yrs)5.46%5.39%5.35%5.33%