Thursday, July 20, 2006

APPLICABLE FEDERAL RATES - UPDATE FOR AUGUST 2006

AUGUST 2006 Applicable Federal Rates Summary:

-Short Term AFR - Semi-annual Compounding - 5.19%
(4.99%/July -- 4.93%/June -- 4.79%/May)

-Mid Term AFR - Semi-annual Compounding - 5.14%
(4.99%/July -- 5.00%/June -- 4.78%/May)

-Long Term AFR - Semi-annual Compounding - 5.29%
(5.22%/July -- 5.25%/June -- 4.94%/May)

DIRECTION OF RATES: Up
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