Instruction 440.1

## INTEREST RATES, AMORTIZATION, GUARANTEE FEE, ANNUAL CHARGE,

## AND FIXED PERIOD 

I. [GENERAL]{.underline}. This Instruction contains the interest rates
for Rural Business-Cooperative Service (RBS), Rural Housing Service
(RHS), Rural Utilities Service (RUS); tables for use in determining the
amounts of interest on loans at different rates; factors in amortizing
loans; and the guarantee fees for guaranteed loans. (Revised 01-09-08,
PN 417.)

II\. [DESCRIPTION OF EXHIBITS]{.underline}. Exhibits contained in this
Instruction provide the following information:

A Exhibit A - Interest rates for direct loans. Interest is charged at
the given rate on the unpaid principal balance of the loan.

B Exhibit B - Interest rates for certain RBS, RHS, and RUS. This table
reflects the interest rate charged to the borrower. (Revised 01-09-08,
PN 417.)

C Exhibit C - Factors for computing interest charges in connection with
loans on \$1 for various rates of interest between given dates and

January 1.

D Exhibit E - Periodic payments required to amortize \$1 and interest at
the rate of interest determined for each fiscal year in connection with
Watershed, Rural Renewal, and Resource Conservation and Development
loans.

E Exhibit F - Periodic payments required to amortize \$1 and interest at
various rates of interest and periods of time.

F Exhibit G - Tables for determining the number of days between any two
given dates.

G Exhibit H - Periodic payments required to amortize \$1 and interest at
various rates based on payments being made monthly.

H Exhibit I - Interest computation tables for Operating loans.

I Exhibit J - Definition of prime or unique farmland.

J Exhibit K - Fees for guaranteed loans.

K Exhibit L - Effective Dates and Interest Rates for 90-Day\
Treasury Bill. (Revised, 01-09-08, PN 417.)

DISTRIBUTION: WSAL Program Operations

Loan and Grant Making

General

## Sheet 1

## (Revision 1)

(09-22-04) PN 379

RD Instruction 440.1

III\. [SUPPLEMENTAL REQUESTS]{.underline}. In the event that a loan is
to be processed for which the attached exhibits do not furnish adequate
details, a request will be forwarded with sufficient information to the
Assistant Controller, Finance Office, St. Louis, Missouri.

Attachments: Exhibits A, B, C, D (Reserved), E, F, G, H, I, J, K, and L

## oOo 

RD Instruction 440.1

Exhibit A

## INTEREST RATES FOR DIRECT LOANS

## 

\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\--

Type of Direct Loans Interest Rate %

\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\-\--

Rural Housing

\* Section 504 Loans

RH - Sec. 504 Loans 1

Rural Housing Site (Section 523 - Self-Help Loans) 3

\_\_\_\_\_\_\_\_\_\_\_

\* Will not be offered to local lenders

## oOo

(12-27-72) PN 341

RD Instruction 440.1

Exhibit B

Page 1

(Revision 7)

## INTEREST RATES FOR RBS, RHS, RUS LOANS

## EFFECTIVE JANUARY 1, 2009

TYPE OF INTEREST RATES

[LOAN TO BORROWER .]{.underline}

## TREASURY JUDGEMENT RATE [10]{.underline}/

All Loan Types .930%

## COMMUNITY AND BUSINESS PROGRAMS LOANS

Water and Waste Disposal Loans (loans approved on or before May 22,
2008)

Poverty Line 4.500% [4]{.underline}/

Intermediate 4.750 [4]{.underline}/

Market 5.125 [4]{.underline}/

Guaranteed Negotiated by Lender & Borrower

Water and Waste Disposal Loans (loans approved after May 22, 2008)

Poverty Line 3.125% 4/11/

Intermediate 4.125 4/11/

Market 5.125

Guaranteed Negotiated by Lender & Borrower

Community Facility

Poverty Line (market or 4.5%, whichever is lower) 4.500%
[3]{.underline}/ [4]{.underline}/

Intermediate 4.750 [3]{.underline}/ [4]{.underline}/

Market 5.125 [3]{.underline}/ [4]{.underline}/

Guaranteed Negotiated by Lender & Borrower

Watershed and Resource Conservation 5.125%

and Development (RC&D)

Intermediary Relending Program 1.000%

Direct Business & Industry 4.000

Business & Industry (Guaranteed) Negotiated By Lender & Borrower

## RURAL HOUSING LOANS

Rural Housing (RH) 502 Very Low or Low 5.375%

Guaranteed [9]{.underline}/ Negotiated By Lender & Borrower

Single Family Housing (SFH) Nonprogram 5.875

Rural Housing Site (RH-524, Non-Self-Help) 5.375

Rural Rental Housing & Rural Cooperative Housing 5.375

Farm Labor Housing 1.000

Farm Labor Housing-State Director Exception [1]{.underline}/ 7.250%

(00-00-000) PN 000

RD Instruction 440.1

Exhibit B

Page 2

(Revision 7)

TYPE OF INTEREST RATES

[LOAN TO BORROWER .]{.underline}

## CURRENT PERCENTAGE-CASH PREFERENCE [5]{.underline}/

SFH Nonprogram [6]{.underline}/ 97%

FOOTNOTES

[1]{.underline}/ This interest rate applies when the State Director, as
authorized in\
HB-1-3560 "MFH Loan Origination Handbook", makes an exception to the
credit elsewhere provisions.

[2]{.underline}/ Reserved

[3]{.underline}/ For Essential Community Facility loans, Direct Farm
Ownership loans for recreation or nonfarm enterprises, Direct Farm
Operating loans for recreation enterprises, Soil and Water loans for
recreation purposes, and individual Recreation loans, the interest rate
will be increased by 2 per centum per annum if the project being
financed will involve the use of, or construction on prime or unique
farmland. Prime or unique farmland is as defined in Section 657.5 (a)
and (b) of Title 7, Code of Federal Regulations (1980). (The definition
is included as Exhibit J to this Instruction.)

> The 2 per centum interest rate increase will not apply if the
> applicant/borrower is a public body or Indian tribe and has
> demonstrated to the appropriate Agency that there are no suitable
> options for locating the proposed essential Community Facility project
> on land that is not prime or unique farmland.
>
> For each essential Community Facility loan, the Rural Development
> Manager, after consultation with the Natural Resources Conservation
> Service (NRCS), will determine whether the proposed project will
> involve the use of, or construction on, prime or unique farmland.
>
> RD Instruction 440.1

Exhibit B

Page 3

FOOTNOTES (CON.)

[4]{.underline}/ Eligibility for poverty line, intermediate, and market
interest rates is described in RD Instruction 1942-A, § 1942.17(f).

[5]{.underline}/ Current Percentage-Cash Preference is the percentage
difference for which a cash offer will be given preference over an offer
requiring credit. The Current Percentage-Cash Preference listed apply to
maximum terms and conditions authorized by Rural Development
Instructions. Application of these percentages is outlined in RD
Instruction 1955-C.

[6]{.underline}/ If any points are being paid on a cash sale, the cash
price must be

reduced by the point value prior to the comparison.

[7]{.underline}/ Reserved

[8]{.underline}/ Reserved

[9]{.underline}/ The rate charged may not exceed the current Federal
National Mortgage Association posted yield for 90-day delivery
(Actual/Actual) plus six-tenths of 1 percent for 30-year fixed rate
conventional loans, rounded up to the nearest one-quarter of 1 percent.

[10]{.underline}/ This is the interest rate charged on judgment
accounts, as determined by the Secretary of the Treasury, pursuant to 28
U.S.C., Section 1961.

[11]{.underline}/ The Consolidated Farm and Rural Development Act
provides authority for the poverty rate to be set at 60 percent of the
market rate and the intermediate rate set at 80 percent of the market
rate for loans approved after May 22, 2008.

oOo

(06-25-08) PN 420

RD Instruction 440.1

Exhibit C

Page 1

## 

## 

## Table of Contents

## Factors for Computing Interest Charge On \$1.00

## Between a Given Date and January 1

[Interest Rate (%)]{.underline} [Exhibit Number]{.underline}

1.0000 C-10

2.0000 C-17

3.0000 C-11

3.5000 C-1

3.6250 C-2

3.7500 C-3

4.0000 C-4

4.1250 C-5

4.5000 C-6

4.7500 C-7

5.0000 C-8

5.2500 C-66

5.5000 C-22

5.6250 C-79

5.6830 C-27

5.7500 C-61

5.8750 C-70

6.0000 C-30

6.2500 C-23

6.5000 C-54

6.6250 C-49

6.7500 C-12

7.0000 C-9

7.1250 C-67

7.2100 C-28

7.2500 C-24

7.3750 C-63

7.5000 C-25

7.8750 C-55

8.0000 C-26

8.1250 C-21

.8.2500 C-13

.8.3750 C-107

8.4690 C-105

8.5000 C-14

.8.5940 C-103

.8.5941 C-106

.8.5942 C-40

.8.6250 C-40

(01-30-02) PN 341

RD Instruction 440.1

Exhibit C

Page 2

[Interest Factor (%)]{.underline} [Exhibit Number]{.underline}

8.6250 C-80

8.6670 C-104

8.7030 C-101

8.7500 C-15

8.8280 C-102

8.8740 C-99

8.9990 C-100

9.0000 C-16

9.1250 C-68

9.1340 C-96

9.1370 C-98

9.2260 C-94

9.2500 C-18

9.2590 C-97

9.3190 C-92

9.3510 C-95

9.3520 C-48

9.4440 C-93

9.5000 C-19

9.5030 C-74

9.6280 C-75

9.7370 C-90

9.7500 C-64

9.8620 C-91

9.9200 C-88

10.0000 C-20

10.0450 C-89

10.0510 C-62

10.0750 C-86

10.2000 C-87

10.2500 C-56

10.3710 C-84

10.3750 C-81

10.4030 C-73

10.4960 C-85

10.5000 C-29

10.6250 C-57

10.6930 C-82

10.7500 C-65

10.8l80 C-83

RD Instruction 440.1

Exhibit C

Page 3

[Interest Factor (%)]{.underline} [Exhibit Number]{.underline}

10.8980 C-76

11.0000 C-32

11.0700 C-78

11.1950 C-77

11.2500 C-50

11.3750 C-51

11.5000 C-39

11.6250 C-31

11.7500 C-71

11.8750 C-72

12.0000 C-35

12.2500 C-41

12.5000 C-33

13.0000 C-36

13.1250 C-58

13.2500 C-42

13.3750 C-43

13.5000 C-34

13.7500 C-69

14.0000 C-37

14.2500 C-52

14.5000 C-38

14.7500 C-44

15.0000 C-45

15.5000 C-59

16.0000 C-53

16.2500 C-60

16.5000 C-47

17.0000 C-46

## oOo

(01-30-02) PN 341

RD Instruction 440.1

Exhibit C-1

Page 1

## FACTORS FOR COMPUTING INTEREST CHARGE ON \$1.00

## AT 3«% BETWEEN A GIVEN DATE AND JANUARY 1

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Day January February March April May June Day

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

1 .000000 .032027 .029342 .026370 .023493 .020521 1

2 .034904 .031932 .029247 .026274 .023397 .020425 2

3 .034808 .031836 .029151 .026178 .023301 .020329 3

4 .034712 .031740 .029055 .026082 .023205 .020233 4

5 .034616 .031644 .028959 .025986 .023110 .020137 5

6 .034521 .031548 .028863 .025890 .023014 .020041 6

7 .034425 .031452 .028767 .025795 .022918 .019945 7

8 .034329 .031356 .028671 .025699 .022822 .019849 8

9 .034233 .031260 .028575 .025603 .022726 .019753

10 .034137 .031164 .028479 .025507 .022630 .019658 10

11 .034041 .031068 .028384 .025411 .022534 .019562 11

12 .033945 .030973 .028288 .025315 .022438 .019466 12

13 .033849 .030877 .028192 .025219 .022342 .019370 13

14 .033753 .030781 .028096 .025123 .022247 .019274 14

15 .033658 .030685 .028000 .025027 .022151 .019178 15

16 .033562 .030589 .027904 .024932 .022055 .019082 16

17 .033466 .030493 .027808 .024836 .021959 .018986 17

18 .033370 .030397 .027712 .024740 .021863 .018890 18

19 .033274 .030301 .027616 .024644 .021767 .018795 19

20 .033178 .030205 .027521 .024548 .021671 .018699 20

21 .033082 .030110 .027425 .024452 .021575 .018603 21

22 .032986 .030014 .027329 .024356 .021479 .018507 22

23 .032890 .029918 .027233 .024260 .021384 .018411 23

24 .032795 .029822 .027137 .024164 .021288 .018315 24

25 .032699 .029726 .027041 .024068 .021192 .018219 25

26 .032603 .029630 .026945 .023973 .021096 .018123 26

27 .032507 .029534 .026849 .023877 .021000 .018027 27

28 .032411 .029438 .026753 .023781 .020904 .017932 28

29 .032315 \* .026658 .023685 .020808 .017836 29

30 .032219 .026562 .023589 .020712 .017740 30

31 .032123 .026466 .020616 31

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

\*For February 29 use factor for March 1.

(12-5-68) PN 135

RD Instruction 440.1

Exhibit C-1

Page 2

## FACTORS FOR COMPUTING INTEREST CHARGE ON \$1.00

## AT 3«% BETWEEN A GIVEN DATE AND JANUARY 1

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Day July August September October November December Day

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

1 .017644 .014671 .011699 .008822 .005849 .002973 1

2 .017548 .014575 .011603 .008726 .005753 .002877 2

3 .017452 .014479 .011507 .008630 .005658 .002781 3

4 .017356 .014384 .011411 .008534 .005562 .002685 4

5 .017260 .014288 .011315 .008438 .005466 .002589 5

6 .017164 .014192 .011219 .008342 .005370 .002493 6

7 .017068 .014096 .011123 .008247 .005274 .002397 7

8 .016973 .014000 .011027 .008151 .005178 .002301 8

9 .016877 .013904 .010932 .008055 .005082 .002205 9

10 .016781 .013808 .010836 .007959 .004986 .002110 10

11 .016685 .013712 .010740 .007863 .004890 .002014 11

12 .016589 .013616 .010644 .007767 .004795 .001918 12

13 .016493 .013521 .010548 .007671 .004699 .001822 13

14 .016397 .013425 .010452 .007575 .004603 .001726 14

15 .016301 .013329 .010356 .007479 .004507 .001630 15

16 .016205 .013233 .010260 .007384 .004411 .001534 16

17 .016110 .013137 .010164 .007288 .004315 .001438 17

18 .016014 .013041 .010068 .007192 .004219 .001342 18

19 .015918 .012945 .009973 .007096 .004123 .001247 19

20 .015822 .012849 .009877 .007000 .004027 .001151 20

21 .015726 .012753 .009781 .006904 .003932 .001055 21

22 .015630 .012658 .009685 .006808 .003836 .000959 22

23 .015534 .012562 .009589 .006712 .003740 .000863 23

24 .015438 .012466 .009493 .006616 .003644 .000767 24

25 .015342 .012370 .009397 .006521 .003548 .000671 25

26 .015247 .012274 .009301 .006425 .003452 .000575 26

27 .015151 .012178 .009205 .006329 .003356 .000479 27

28 .015055 .012082 .009110 .006233 .003260 .000384 28

29 .014959 .011986 .009014 .006137 .003164 .000288 29

30 .014863 .011890 .008918 .006041 .003068 .000192 30

31 .014767 .011795 .005945 .000096 31

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

o O o

RD Instruction 440.1

Exhibit C-2

Page 1

## FACTORS FOR COMPUTING INTEREST CHARGE ON \$1.00

## AT 3-5/8% BETWEEN A GIVEN DATE AND JANUARY 1

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Day January February March April May June Day

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

1 .000000 .033171 .030390 .027312 .024332 .021253 1

2 .036151 .033072 .030291 .027212 .024233 .021154 2

3 .036051 .032973 .030192 .027113 .024134 .021055 3

4 .035952 .032873 .030092 .027014 .024034 .020955 4

5 .035853 .032774 .029993 .026914 .023935 .020856 5

6 .035753 .032675 .029894 .026815 .023836 .020757 6

7 .035654 .032575 .029795 .026716 .023736 .020658 7

8 .035555 .032476 .029695 .026616 .023637 .020558 8

9 .035455 .032377 .029596 .026517 .023538 .020459 9

10 .035356 .032277 .029497 .026418 .023438 .020360 10

11 .035257 .032178 .029397 .026318 .023339 .020260 11

12 .035158 .032079 .029298 .026219 .023240 .020161 12

13 .035058 .031979 .029199 .026120 .023140 .020062 13

14 .034959 .031880 .029099 .026021 .023041 .019962 14

15 .034860 .031781 .029000 .025921 .022942 .019863 15

16 .034760 .031682 .028901 .025822 .022842 .019764 16

17 .034661 .031582 .028801 .025723 .022743 .019664 17

18 .034562 .031483 .028702 .025623 .022644 .019565 18

19 .034462 .031384 .028603 .025524 .022545 .019466 19

20 .034363 .031284 .028503 .025425 .022445 .019366 20

21 .034264 .031185 .028404 .025325 .022346 .019267 21

22 .034164 .031086 .028305 .025226 .022247 .019168 22

23 .034065 .030986 .028205 .025127 .022147 .019068 23

24 .033966 .030887 .028106 .025027 .022048 .018969 24

25 .033866 .030788 .028007 .024928 .021949 .018870 25

26 .033767 .030688 .027908 .024829 .021849 .018771 26

27 .033668 .030589 .027808 .024729 .021750 .018671 27

28 .033568 .030490 .027709 .024630 .021651 .018572 28

29 .033469 \* .027610 .024531 .021551 .018473 29

30 .033370 .027510 .024432 .021452 .018373 30

31 .033271 .027411 .021353 31

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

\*For February 29 use factor for March 1.

(12-5-68) PN 135

RD Instruction 440.1

Exhibit C-2

Page 2

## FACTORS FOR COMPUTING INTEREST CHARGE ON \$1.00

## AT 3-5/8% BETWEEN A GIVEN DATE AND JANUARY 1

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Day July August September October November December Day

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

1 .018274 .015195 .012116 .009137 .006058 .003079 1

2 .018175 .015096 .012017 .009038 .005959 .002979 2

3 .018075 .014997 .011918 .008938 .005860 .002880 3

4 .017976 .014897 .011818 .008839 .005760 .002781 4

5 .017877 .014798 .011719 .008740 .005661 .002682 5

6 .017777 .014699 .011620 .008640 .005562 .002582 6

7 .017678 .014599 .011521 .008541 .005462 .002483 7

8 .017579 .014500 .011421 .008442 .005363 .002384 8

9 .017479 .014401 .011322 .008342 .005264 .002284 9

10 .017380 .014301 .011223 .008243 .005164 .002185 10

11 .017281 .014202 .011123 .008144 .005065 .002086 11

12 .017182 .014103 .011024 .008045 .004966 .001986 12

13 .017082 .014003 .010925 .007945 .004866 .001887 13

14 .016983 .013904 .010825 .007846 .004767 .001788 14

15 .016884 .013805 .010726 .007747 .004668 .001688 15

16 .016784 .013705 .010627 .007647 .004568 .001589 16

17 .016685 .013606 .010527 .007548 .004469 .001490 17

18 .016586 .013507 .010428 .007449 .004370 .001390 18

19 .016486 .013408 .010329 .007349 .004271 .001291 19

20 .016387 .013308 .010229 .007250 .004171 .001192 20

21 .016288 .013209 .010130 .007151 .004072 .001092 21

22 .016188 .013110 .010031 .007051 .003973 .000993 22

23 .016089 .013010 .009932 .006952 .003873 .000894 23

24 .015990 .012911 .009832 .006853 .003774 .000795 24

25 .015890 .012812 .009733 .006753 .003675 .000695 25

26 .015791 .012712 .009634 .006654 .003575 .000596 26

27 .015692 .012613 .009534 .006555 .003476 .000497 27

28 .015592 .012514 .009435 .006455 .003377 .000397 28

29 .015493 .012414 .009336 .006356 .003277 .000298 29

30 .015394 .012315 .009236 .006257 .003178 .000199 30

31 .015295 .012216 .006158 .000099 31

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

## o O o 

RD Instruction 440.1

Exhibit C-3

Page 1

## FACTORS FOR COMPUTING INTEREST CHARGE ON \$1.00

## AT 3.75% BETWEEN A GIVEN DATE AND JANUARY 1

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Day January February March April May June Day

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

1 .000000 .034315 .031438 .028253 .025171 .021986 1

2 .037397 .034212 .031336 .028151 .025068 .021884 2

3 .037295 .034110 .031233 .028048 .024966 .021781 3

4 .037192 .034007 .031130 .027945 .024863 .021678 4

5 .037089 .033904 .031027 .027842 .024760 .021575 5

6 .036986 .033801 .030925 .027740 .024658 .021473 6

7 .036884 .033699 .030822 .027637 .024555 .021370 7

8 .036781 .033596 .030719 .027534 .024452 .021267 8

9 .036678 .033493 .030616 .027432 .024349 .021164 9

10 .036575 .033390 .030514 .027329 .024247 .021062 10

11 .036473 .033288 .030411 .027226 .024144 .020959 11

12 .036370 .033185 .030308 .027123 .024041 .020856 12

13 .036267 .033082 .030205 .027021 .023938 .020753 13

14 .036164 .032979 .030103 .026918 .023836 .020651 14

15 .036062 .032877 .030000 .026815 .023733 .020548 15

16 .035959 .032774 .029897 .026712 .023630 .020445 16

17 .035856 .032671 .029795 .026610 .023527 .020342 17

18 .035753 .032568 .029692 .026507 .023425 .020240 18

19 .035651 .032466 .029589 .026404 .023322 .020137 19

20 .035548 .032363 .029486 .026301 .023219 .020034 20

21 .035445 .032260 .029384 .026199 .023116 .019932 21

22 .035342 .032158 .029281 .026096 .023014 .019829 22

23 .035240 .032055 .029178 .025993 .022911 .019726 23

24 .035137 .031952 .029075 .025890 .022808 .019623 24

25 .035034 .031849 .028973 .025788 .022705 .019521 25

26 .034932 .031747 .028870 .025685 .022603 .019418 26

27 .034829 .031644 .028767 .025582 .022500 .019315 27

28 .034726 .031541 .028664 .025479 .022397 .019212 28

29 .034623 \* .028562 .025377 .022295 .019110 29

30 .034521 .028459 .025274 .022781 .019007 30

31 .034418 .028356 .022089 31

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

\*For February 29 use factor for March 1

(12-5-68) PN 135

RD Instruction 440.1

Exhibit C-3

Page 2

## FACTORS FOR COMPUTING INTEREST CHARGE ON \$1.00

## AT 3.75% BETWEEN A GIVEN DATE AND JANUARY 1

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Day July August September October November December Day

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

1 .018904 .015719 .012534 .009452 .006267 .003185 1

2 .018801 .015616 .012432 .009349 .006164 .003082 2

3 .018699 .015514 .012329 .009247 .006062 .002979 3

4 .018596 .015411 .012226 .009144 .005959 .002877 4

5 .018493 .015308 .012123 .009041 .005856 .002774 5

6 .018390 .015205 .012021 .008938 .005753 .002671 6

7 .018288 .015103 .011918 .008836 .005651 .002568 7

8 .018185 .015000 .011815 .008733 .005548 .002466 8

9 .018082 .014897 .011712 .008630 .005445 .002363 9

10 .017979 .014795 .011610 .008527 .005342 .002260 10

11 .017877 .014692 .011507 .008425 .005240 .002158 11

12 .017774 .014589 .011404 .008322 .005137 .002055 12

13 .017671 .014486 .011301 .008219 .005034 .001952 13

14 .017568 .014384 .011199 .008116 .004932 .001849 14

15 .017466 .014281 .011096 .008014 .004829 .001747 15

16 .017363 .014178 .010993 .007911 .004726 .001644 16

17 .017260 .014075 .010890 .007808 .004623 .001541 17

18 .017158 .013973 .010788 .007705 .004521 .001438 18

19 .017055 .013870 .010685 .007603 .004418 .001336 19

20 .016952 .013767 .010582 .007500 .004315 .001233 20

21 .016849 .013664 .010479 .007397 .004212 .001130 21

22 .016747 .013562 .010377 .007295 .004110 .001027 22

23 .016644 .013459 .010274 .007192 ,.004007 .000925 23

24 .016541 .013356 .010171 .007089 .003904 .000822 24

25 .016438 .013253 .010068 .006986 .003801 .000719 25

26 .016336 .013151 .009966 .006884 .003699 .000616 26

27 .016233 .013048 .009863 .006781 .003596 .000514 27

28 .016130 .012945 .009760 .006678 .003493 .000411 28

29 .016027 .012842 .009658 .006575 .003390 .000308 29

30 .015925 .012740 .009555 .006473 .003288 .000205 30

31 .015832 .012637 .006370 .000103 31

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

## o O o 

RD Instruction 440.1

Exhibit C-4

Page 1

## FACTORS FOR COMPUTING INTEREST CHARGE ON \$1 

## AT 4% BETWEEN A GIVEN DATE AND JANUARY 1

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Day January February March April May June Day

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

1 .000000 .036603 .033534 .030137 .026849 .023452 1

2 .039890 .036493 .033425 .030027 .026740 .023342 2

3 .039781 .036384 .033315 .029918 .026630 .023233 3

4 .039671 .036274 .033205 .029808 .026521 .023123 4

5 .039562 .036164 .033096 .029699 .026411 .023014 5

6 .039452 .036055 .032986 .029589 .026301 .022904 6

7 .039342 .035945 .032877 .029479 .026192 .022795 7

8 .039233 .035836 .032767 .029370 .026082 .022685 8

9 .039123 .035726 .032658 .029260 .025973 .022575 9

10 .039014 .035616 .032548 .029151 .025863 .022466 10

11 .038904 .035507 .032438 .029041 .025753 .022356 11

12 .038795 .035397 .032329 .028932 .025644 .022247 12

13 .038685 .035288 .032219 .028822 .025534 .022137 13

14 .038575 .035178 .032110 .028712 .025425 .022027 14

15 .038466 .035068 .032000 .028603 .025315 .021918 15

16 .038356 .034959 .031890 .028493 .025205 .021808 16

17 .038247 .034849 .031731 .028384 .025096 .021699 17

18 .038137 .034740 .031671 .028274 .024986 .021589 18

19 .038027 .034630 .031562 .028164 .024877 .021479 19

20 .037918 .034521 .031452 .028055 .024767 .021370 20

21 .037808 .034411 .031342 .027945 .024658 .021260 21

22 .037699 .034301 .031233 .027836 .024548 .021151 22

23 .037589 .034192 .031123 .027726 .024438 .021041 23

24 .037479 .034082 .031014 .027616 .024329 .020932 24

25 .037370 .033973 .030904 .027507 .024219 .020822 25

26 .037260 .033863 .030795 .027397 .024110 .020712 26

27 .037151 .033753 .030685 .027288 .024000 .020603 27

28 .037041 .033644 .030575 .027178 .023890 .020493 28

29 .036932 \* .030466 .027068 .023781 .020384 29

30 .036822 .030356 .026959 .023671 .020274 30

31 .036712 .030247 .023562 31

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

\*If leap year, for February 29 use factor for March 1.

(12-5-68) PN 135

RD Instruction 440.1

Exhibit C-4

Page 2

## FACTORS FOR COMPUTING INTEREST CHARGE ON \$1

## AT 4% BETWEEN A GIVEN DATE AND JANUARY 1

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Day July August September October November December Day

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

1 .020164 .016767 .013370 .010082 .006685 .003397 1

2 .020055 .016658 .013260 .009973 .006575 .003288 2

3 .019945 .016548 .013151 .009863 .006466 .003178 3

4 .019836 .016438 .013041 .009753 .006356 .003068 4

5 .019726 .016329 .012932 .009644 .006247 .002959 5

6 .019616 .016219 .012822 .009534 .006137 .002849 6

7 .019507 .016110 .012712 .009425 .006027 .002740 7

8 .019397 .016000 .012603 .009315 .005918 .002630 8

9 .019288 .015890 .012493 .009205 .005808 .002521 9

10 .019178 .015781 .012384 .009096 .005699 .002411 10

11 .019068 .015671 .012274 .008986 .005589 .002301 11

12 .018959 .015562 .012164 .008877 .005479 .002192 12

13 .018849 .015452 .012055 .008767 .005370 .002082 13

14 .018740 .015342 .011945 .008658 .005260 .001973 14

15 .018630 .015233 .011836 .008548 .005151 .001863 15

16 .018521 .015123 .011726 .008438 .005041 .001753 16

17 .018411 .015014 .011616 .008329 .004932 .001644 17

18 .018301 .014904 .011507 .008219 .004822 .001534 18

19 .018192 .014795 .011397 .008110 .004712 .001425 19

20 .018082 .014685 .011288 .008000 .004603 .001315 20

21 .017973 .014575 .011178 .007890 .004493 .001205 21

22 .017863 .014466 .011068 .007781 .004384 .001096 22

23 .017753 .014356 .010959 .007671 .004274 .000986 23

24 .017644 .014247 .010849 .007562 .004164 .000877 24

25 .017534 .014137 .010740 .007452 .004055 .000767 25

26 .017425 .014027 .010630 .007342 .003945 .000658 26

27 .017315 .013918 .010521 .007233 .003836 .000548 27

28 .017205 .013808 .010411 .007123 .003726 .000438 28

29 .017096 .013699 .010301 .007014 .003616 .000329 29

30 .016986 .013589 .010192 .006904 .003507 .000219 30

31 .016877 .013479 .006795 .000110 31

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

## o O o 

RD Instruction 440.1

Exhibit C-5

Page 1

## FACTORS FOR COMPUTING INTEREST CHARGE ON \$1.00

## AT 4-1/8% BETWEEN A GIVEN DATE AND JANUARY 1

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Day January February March April May June Day

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

1 .000000 .037747 .034582 .031079 .027688 .024185 1

2 .041137 .037634 .034469 .030966 .027575 .024072 2

3 .041024 .037521 .034356 .030853 .027462 .023959 3

4 .040911 .037408 .034243 .030740 .027349 .023846 4

5 .040798 .037295 .034130 .030627 .027236 .023733 5

6 .040685 .037182 .034017 .030514 .027123 .023620 6

7 .040572 .037068 .033904 .030401 .027010 .023507 7

8 .040459 .036955 .033791 .030288 .026897 .023394 8

9 .040346 .036842 .033678 .030175 .026784 .023281 9

10 .040233 .036729 .033565 .030062 .026671 .023168 10

11 .040120 .036616 .033452 .029949 .026558 .023055 11

12 .040007 .036503 .033339 .029836 .026445 .022942 12

13 .039894 .036390 .033226 .029723 .026332 .022829 13

14 .039781 .036277 .033113 .029610 .026219 .022716 14

15 .039668 .036164 .033000 .029497 .026106 .022603 15

16 .039555 .036051 .032887 .029384 .025993 .022490 16

17 .039442 .035938 .032774 .029271 .025880 .022377 17

18 .039329 .035825 .032661 .029158 .025767 .022264 18

19 .039216 .035712 .032548 .029045 .025654 .022151 19

20 .039103 .035599 .032435 .028932 .025541 .022038 20

21 .038990 .035486 .032322 .028818 .025428 .021925 21

22 .038877 .035373 .032209 .028705 .025315 .021812 22

23 .038764 .035260 .032096 .028592 .025202 .021699 23

24 .038651 .035147 .031983 .028479 .025089 .021586 24

25 .038538 .035034 .031870 .028366 .024976 .021473 25

26 .038425 .034921 .031757 .028253 .024863 .021360 26

27 .038312 .034808 .031644 .028140 .024750 .021247 27

28 .038199 .034695 .031531 .028027 .024637 .021134 28

29 .038086 \* .031418 .027914 .024524 .021021 29

30 .037973 .031305 .027801 .024411 .020908 30

31 .037860 .031192 .024298 31

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

\* For February 29 use factor for March 1

(12-5-68) PN 135

RD Instruction 440.1

Exhibit C-5

Page 2

## FACTORS FOR COMPUTING INTEREST CHARGE ON \$1.00

## AT 4-1/8% BETWEEN A GIVEN DATE AND JANUARY 1

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Day July August September October November December Day

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

1 .020795 .017291 .013788 .010397 .006894 .003503 1

2 .020682 .017178 .013675 .010284 .006781 .003390 2

3 .020568 .017065 .013562 .010171 .006668 .003277 3

4 .020455 .016952 .013449 .010058 .006555 .003164 4

5 .020342 .016839 .013336 .009945 .006442 .003051 5

6 .020229 .016726 .013223 .009832 .006329 .002938 6

7 .020116 .016613 .013110 .009719 .006216 .002825 7

8 .020003 .016500 .012997 .009606 .006103 .002712 8

9 .019890 .016387 .012884 .009493 .005990 .002599 9

10 .019777 .016274 .012771 .009380 .005877 .002486 10

11 .019664 .016161 .012658 .009267 .005764 .002373 11

12 .019551 .016048 .012545 .009154 .005651 .002260 12

13 .019438 .015935 .012432 .009041 .005538 .002147 13

14 .019325 .015822 .012318 .008928 .005425 .002034 14

15 .019212 .015709 .012205 .008815 .005312 .001921 15

16 .019099 .015596 .012092 .008702 .005199 .001808 16

17 .018986 .015483 .011979 .008589 .005086 .001695 17

18 .018873 .015370 .011866 .008476 .004973 .001582 18

19 .018760 .015257 .011753 .008363 .004860 .001469 19

20 .018647 .015144 .011640 .008250 .004747 .001356 20

21 .018534 .015031 .011527 .008137 .004634 .001243 21

22 .018421 .014918 .011414 .008024 .004521 .001130 22

23 .018308 .014805 .011301 .007911 .004408 .001017 23

24 .018195 .014692 .011188 .007798 .004295 .000904 24

25 .018082 .014579 .011075 .007685 .004182 .000791 25

26 .017969 .014466 .010962 .007572 .004068 .000678 26

27 .017856 .014353 .010849 .007459 .003955 .000565 27

28 .017743 .014240 .010736 .007346 .003842 .000452 28

29 .017630 .014127 .010623 .007233 .003729 .000339 29

30 .017517 .014014 .010510 .007120 .003616 .000226 30

31 .017404 .013901 .007007 .000113 31

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

o O o

RD Instruction 440.1

Exhibit C-6

Page 1

## FACTORS FOR COMPUTING INTEREST CHARGE ON \$1.00

## AT 4«% BETWEEN A GIVEN DATE AND JANUARY 1

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Day January February March April May June Day

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

1 .000000 .041178 .037726 .033904 .030205 .026384 1

2 .044877 .041055 .037603 .033781 .030082 .026260 2

3 .044753 .040932 .037479 .033658 .029959 .026137 3

4 .044630 .040808 .037356 .033534 .029836 .026014 4

5 .044507 .040685 .037233 .033411 .029712 .025890 5

6 .044384 .040562 .037110 .033288 .029589 .025767 6

7 .044260 .040438 .036986 .033164 .029466 .025644 7

8 .044137 .040315 .036863 .033041 .029342 .025521 8

9 .044014 .040192 .036740 .032918 .029219 .025397 9

10 .043890 .040068 .036616 .032794 .029096 .025274 10

11 .043767 .039945 .036493 .032671 .028973 .025151 11

12 .043644 .039822 .036370 .032548 .028849 .025027 12

13 .043521 .039699 .036247 .032425 .028726 .024904 13

14 .043397 .039575 .036123 .032301 .028603 .024781 14

15 .043274 .039452 .036000 .032178 .028479 .024658 15

16 .043151 .039329 .035877 .032055 .028356 .024534 16

17 .043027 .039205 .035753 .031932 .028233 .024411 17

18 .042904 .039082 .035630 .031808 .028110 .024288 18

19 .042781 .038959 .035507 .031685 .027986 .024164 19

20 .042658 .038836 .035384 .031562 .027863 .024041 20

21 .042534 .038712 .035260 .031438 .027740 .023918 21

22 .042411 .038589 .035137 .031315 .027616 .023795 22

23 .042288 .038466 .035014 .031192 .027493 .023671 23

24 .042164 .038342 .034890 .031069 .027370 .023548 24

25 .042041 .038219 .034767 .030945 .027247 .023425 25

26 .041918 .038096 .034644 .030822 .027123 .023301 26

27 .041795 .037973 .034521 .030699 .027000 .023178 27

28 .041671 .037849 .034397 .030575 .026877 .023055 28

29 .041548 \* .034274 .030452 .026753 .022932 29

30 .041425 .034151 .030329 .026630 .022808 30

31 .041301 .034027 .026507 31

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

\* For February 29 use factor for March 1.

(12-5-68) PN 135

RD Instruction 440.1

Exhibit C-6

Page 2

## FACTORS FOR COMPUTING INTEREST CHARGE ON \$1.00

## AT 4«% BETWEEN A GIVEN DATE AND JANUARY 1

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Day July August September October November December Day

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

1 .022685 .018863 .015041 .011342 .007521 .003822 1

2 .022562 .018740 .014918 .011219 .007397 .003699 2

3 .022438 .018616 .014795 .011096 .007274 .003575 3

4 .022315 .018493 .014671 .010973 .007151 .003452 4

5 .022192 .018370 .014548 .010849 .007027 .003329 5

6 .022069 .018247 .014425 .010726 .006904 .003206 6

7 .021945 .018123 .014301 .010603 .006781 .003082 7

8 .021822 .018000 .014178 .010479 .006658 .002959 8

9 .021699 .017877 .014055 .010356 .006534 .002836 9

10 .021575 .017753 .013932 .010233 .006411 .002712 10

11 .021452 .017630- .013808 .010110 .006288 .002589 11

12 .021329 .017507 .013685 .009986 .006164 .002466 12

13 .021205 .017384 .013562 .009863 .006041 .002342 13

14 .021082 .017260 .013438 .009740 .005918 .002219 14

15 .020959 .017137 .013315 .009616 .005795 .002096 15

16 .020836 .017014 .013192 .009493 .005671 .001973 16

17 .020712 .016890 .013069 .009370 .005548 .001849 17

18 .020589 .016767 .012945 .009247 .005425 .001726 18

19 .020466 .016644 .012822 .009123 .005301 .001603 19

20 .020342 .016521 .012699 .009000 .005178 .001479 20

21 .020219 .016397 .012575 .008877 .005055 .001356 21

22 .020096 .016274 .012452 .008753 .004932 .001233 22

23 .019973 .016151 .012329 .008630 ..004808 .001110 23

24 .019849 .016027 .012205 .008507 .004685 .000986 24

25 .019726 .015904 .012082 .008384 .004562 .000863 25

26 .019603 .015781 .011959 .008260 .004438 .000740 26

27 .019479 .015658 .011836 .008137 .004315 .000616 27

28 .019356 .015534 .011712 .008014 .004192 .000493 28

29 .019233 .015411 .011589 .007890 .004069 .000370 29

30 .019110 .015288 .011466 .007767 .003945 .000247 30

31 .018986 .015164 .007644 .000123 31

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

## o O o 

RD Instruction 440.1

Exhibit C-7

Page 1

## FACTORS FOR COMPUTING INTEREST CHARGE ON \$1.00

## AT 4-3/4% BETWEEN A GIVEN DATE AND JANUARY 1

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Day January February March April May June Day

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

1 .047500 .043466 .039822 .035788 .031884 .027849 1

2 .047370 .043336 .039692 .035658 .031753 .027719 2

3 .047240 .043205 .039562 .035527 .031623 .027589 3

4 .047110 .043075 .039432 .035397 .031493 .027459 4

5 .046979 .042945 .039301 .035267 .031363 .027329 5

6 .046849 .042815 .039171 .035137 .031233 .027199 6

7 .046719 .042685 .039041 .035007 .031103 .027068 7

8 .046589 .042555 .038911 .034877 .030973 .026938 8

9 .046459 .042425 .038781 .034747 .030842 .026808 9

10 .046329 .042295 .038651 .034616 .030712 .026678 10

11 .046199 .042164 .038521 .034486 .030582 .026548 11

12 .046068 .042034 .038390 .034356 .030452 .026418 12

13 .045938 .041904 .038260 .034226 .030322 .026288 13

14 .045808 .041774 .038130 .034096 .030192 .026158 14

15 .045678 .041644 .038000 .033966 .030062 .026027 15

16 .045548 .041514 .037870 .033836 .029932 .025897 16

17 .045418 .041384 .037740 .033705 .029801 .025767 17

18 .045288 .041253 .037610 .033575 .029671 .025637 18

19 .045158 .041123 .037479 .033445 .029541 .025507 19

20 .045027 .040993 .037349 .033315 .029411 .025377 20

21 .044897 .040863 .037219 .033185 .029281 .025247 21

22 .044767 .040733 .037089 .033055 .029151 .025116 22

23 .044637 .040603 .036959 .032925 .029021 .024986 23

24 .044507 .040473 .036829 .032795 .028890 .024856 24

25 .044377 .040342 .036699 .032664 .028760 .024726 25

26 .044247 .040212 .036568 .032534 .028630 .024596 26

27 .044116 .040082 .036438 .032404 .028500 .024466 27

28 .043986 .039952 .036308 .032274 .028370 .024336 28

29 .043856 \* .036178 .032144 .028240 .024205 29

30 .043726 .036048 .032014 .028110 .024075 30

31 .043596 .035918 .027980 31

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

\* For February 29 use factor for March 1.

(12-5-68) PN 135

RD Instruction 440.1

Exhibit C-7

Page 2

## FACTORS FOR COMPUTING INTEREST CHARGE ON \$1.00

## AT 4-3/4% BETWEEN A GIVEN DATE AND JANUARY 1

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Day July August September October November December Day

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

1 .023945 .019911 .015877 .011973 .007938 .004034 1

2 .023815 .019781 .015747 .011842 .007808 .003904 2

3 .023685 .019651 .015616 .011712 .007678 .003774 3

4 .023555 .019521 .015486 .011582 .007548 .003644 4

5 .023425 .019390 .015356 .011452 .007418 .003514 5

6 .023295 .019260 .015226 .011322 .007288 .003384 6

7 .023164 .019130 .015096 .011192 .007158 .003253 7

8 .023034 .019000 .014966 .011062 .007027 .003123 8

9 .022904 .018870 .014836 .010932 .006897 .002993 9

10 .022774 .018740 .014705 .010801 .006767 .002863 10

11 .022644 .018610 .014575 .010671 .006637 .002733 11

12 .022514 .018479 .014445 .010541 .006507 .002603 12

13 .022384 .018349 .014315 .010411 .006377 .002473 13

14 .022253 .018219 .014181 .010281 .006247 .002342 14

15 .022123 .018089 .014055 .010151 .006116 .002212 15

16 .021993 .017959 .013925 .010021 .005986 .002082 16

17 .021863 .017829 .013795 .009890 .005856 .001952 17

18 .021733 .017699 .013664 .009760 .005726 .001822 18

19 .021603 .017568 .013534 .009630 .005596 .001692 19

20 .021473 .017438 .013404 .009500 .005466 .001562 20

21 .021342 .017308 .013274 .009370 .005336 .001432 21

22 .021212 .017178 .013144 .009240 .005205 .001301 22

23 .021082 .017048 .013014 .009110 .005075 .001171 23

24 .020952 .016918 .012884 .008979 .004945 .001041 24

25 .020822 .016788 .012753 .008849 .004815 .000911 25

26 .020692 .016658 .012623 .008719 .004685 .000781 26

27 .020562 .016527 .012493 .008589 .004555 .000651 27

28 .020432 .016397 .012363 .008459 .004425 .000521 28

29 .020301 .016267 .012233 .008329 .004295 .000390 29

30 .020171 .016137 .012103 .008199 .004164 .000260 30

31 .020041 .016007 .008068 .000130 31

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

## o O o 

RD Instruction 440.1

Exhibit C-8

Page 1

## FACTORS FOR COMPUTING INTEREST CHARGE ON \$1.00

## AT 5% BETWEEN A GIVEN DATE AND JANUARY 1

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Day January February March April May June Day

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

1 .000000 .045753 .041918 .037671 .033562 .029315 1

2 .049863 .045616 .041781 .037534 .033425 .029178 2

3 .049726 .045479 .041644 .037397 .033288 .029041 3

4 .049589 .045342 .041507 .037260 .033151 .028904 4

5 .049452 .045205 .041370 .037123 .033014 .028767 5

6 .049315 .045068 .041233 .036986 .032877 .028630 6

7 .049178 .044932 .041096 .036849 .032740 .028493 7

8 .049041 .044795 .040959 .036712 .032603 .028356 8

9 .048904 .044658 .040822 .036575 .032466 .028219 9

10 .048767 .044521 .040685 .036438 .032329 .028082 10

11 .048630 .044384 .040548 .036301 .032192 .027945 11

12 .048493 .044247 .040411 .036164 .032055 .027808 12

13 .048356 .044110 .040274 .036027 .031918 .027671 13

14 .048219 .043973 .040137 .035890 .031781 .027534 14

15 .048082 .043836 .040000 .035753 .031644 .027397 15

16 .047945 .043699 .039863 .035616 .031507 .027260 16

17 .047808 .043562 .039726 .035479 .031370 .027123 17

18 .047671 .043425 .039589 .035342 .031233 .026986 18

19 .047534 .043288 .039452 .035205 .031096 .026849 19

20 .047397 .043151 .039315 .035068 .030959 .026712 20

21 .047260 .043014 .039178 .034932 .030822 .026575 21

22 .047123 .042877 .039041 .034795 .030685 .026438 22

23 .046986 .042740 .038904 .034658 .030548 .026301 23

24 .046849 .042603 .038767 .034521 .030411 .026164 24

25 .046712 .042466 .038630 .034384 .030274 .026027 25

26 .046575 .042329 .038493 .034247 .030137 .025890 26

27 .046438 .042192 .038356 .034110 .030000 .025753 27

28 .046301 .042055 .038219 .033973 .029863 .025616 28

29 .046164 \* .038082 .033836 .029726 .025479 29

30 .046027 .037945 .033699 .029589 .025342 30

31 .045890 .037808 .029452 31

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

\*For February 29 use factor for March 1.

(12-5-68) PN 135

RD Instruction 440.1

Exhibit C-8

Page 2

FACTORS FOR COMPUTING INTEREST CHARGE ON \$1.00

AT 5% BETWEEN A GIVEN DATE AND JANUARY 1

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Day July August September October November December Day

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

1 .025205 .020959 .016712 .012603 .008356 .004247 1

2 .025068 .020822 .016575 .012466 .008219 .004110 2

3 .024932 .020685 .016438 .012329 .008082 .003973 3

4 .024795 .020548 .016301 .012192 .007945 .003836 4

5 .024658 .020411 .016164 .012055 .007808 .003699 5

6 .024521 .020274 .016027 .011918 .007671 .003562 6

7 .024384 .020137 .015890 .011781 .007534 .003425 7

8 .024247 .020000 .015753 .011644 .007397 .003288 8

9 .024110 .019863 .015616 .011507 .007260 .003151 9

10 .023973 .019726 .015479 .011370 .007123 .003014 10

11 .023836 .019589 .015342 .011233 .006986 .002877 11

12 .023699 .019452 .015205 .011096 .006849 .002740 12

13 .023562 .019315 .015068 .010959 .006712 .002603 13

14 .023425 .019178 .014932 .010822 .006575 .002466 14

15 .023288 .019041 .014795 .010685 .006438 .002329 15

16 .023151 .018904 .014658 .010548 .006301 .002192 16

17 .023014 .018767 .014521 .010411 .006164 .002055 17

18 .022877 .018630 .014384 .010274 .006027 .001918 18

19 .022740 .018493 .014247 .010137 .005890 .001781 19

20 .022603 .018356 .014110 .010000 .005753 .001644 20

21 .022466 .018219 .013973 .009863 .005616 .001507 21

22 .022329 .018082 .013836 .009726 .005479 .001370 22

23 .022192 .017945 .013699 .009589 .005342 .001233 23

24 .022055 .017808 .013562 .009452 .005205 .001096 24

25 .021918 .017671 .013425 .009315 .005068 .000959 25

26 .021781 .017534 .013288 .009178 .004932 .000822 26

27 .021644 .017397 .013151 .009041 .004795 .000685 27

28 .021507 .017260 .013014 .008904 .004658 .000548 28

29 .021370 .017123 .012877 .008767 .004521 .000411 29

30 .021233 .016986 .012740 .008630 .004384 .000274 30

31 .021096 .016849 .008493 .000137 31

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

## o O o 

RD Instruction 440.1

Exhibit C-9

Page 1

## FACTORS FOR COMPUTING INTEREST CHARGE ON \$1.00

## AT 7% BETWEEN A GIVEN DATE AND JANUARY 1

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Day January February March April May June

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

01 .070000 .064055 .058685 .052740 .046986 .041041

02 .069808 .063863 .058493 .052548 .046795 .040849

03 .069616 .063671 .058301 .052356 .046603 .040658

04 .069425 .063479 .058110 .052164 .046411 .040466

05 .069233 .063288 .057918 .051973 .046219 .040274

06 .069041 .063096 .057726 .051781 .046027 .040082

07 .068849 .062904 .057534 .051589 .045836 .039890

08 .068658 .062712 .057342 .051397 .045644 .039699

09 .068466 .062521 .057151 .051205 .045452 .039507

10 .068274 .062329 .056959 .051014 .045260 .039315

11 .068082 .062137 .056767 .050822 .045068 .039123

12 .067890 .061945 .056575 .050630 .044877 .038932

13 .067699 .061753 .056384 .050438 .044685 .038740

14 .067507 .061562 .056192 .050247 .044493 .038548

15 .067315 .061370 .056000 .050055 .044301 .038356

16 .067123 .061178 .055808 .049863 .044110 .038164

17 .066932 .060986 .055616 .049671 .043918 .037973

18 .066740 .060795 .055425 .049479 .043726 .037781

19 .066548 .060603 .055233 .049288 .043534 .037589

20 .066356 .060411 .055041 .049096 .043342 .037397

21 .066164 .060219 .054849 .048904 .043151 .037205

22 .065973 .060027 .054658 .048712 .042959 .037014

23 .065781 .059836 .054466 .048521 .042767 .036822

24 .065589 .059644 .054274 .048329 .042575 .036630

25 .065397 .059452 .054082 .048137 .042384 .036438

26 .065205 .059260 .053890 .047945 .042192 .036247

27 .065014 .059068 .053699 .047753 .042000 .036055

28 .064822 .058877 .053507 .047562 .041808 .035863

29 .064630 .058685 .053315 .047370 .041616 .035671

30 .064438 .053123 .047178 .041425 .035479

31 .064247 .052932 .041233

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

(5-9-73) PN 360

RD Instruction 440.1

Exhibit C-9

Page 2

## FACTORS FOR COMPUTING INTEREST CHARGE ON \$1.00

## AT 7% BETWEEN A GIVEN DATE AND JANUARY 1

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Day July August September October November December

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

01 .035288 .029342 .023397 .017644 .011699 .005945

02 .035096 .029151 .023205 .017452 .011507 .005753

03 .034904 .028959 .023014 .017260 .011315 .005562

04 .034712 .028767 .022822 .017068 .011123 .005370

05 .034521 .028575 .022630 .016877 .010932 .005178

06 .034329 .028384 .022438 .016685 .010740 .004986

07 .034137 .028192 .022247 .016493 .010548 .004795

08 .033945 .028000 .022055 .016301 .010356 .004603

09 .033753 .027808 .021863 .016110 .010164 .004411

10 .033562 .027616 .021671 .015918 .009973 .004219

11 .033370 .027425 .021479 .015726 .009781 .004027

12 .033178 .027233 .021288 .015534 .009589 .003836

13 .032986 .027041 .021096 .015342 .009397 .003644

14 .032795 .026849 .020904 .015151 .009205 .003452

15 .032603 .026658 .020712 .014959 .009014 .003260

16 .032411 .026466 .020521 .014767 .008822 .003068

17 .032219 .026274 .020329 .014575 .008630 .002877

18 .032027 .026082 .020137 .014384 .008438 .002685

19 .031836 .025890 .019945 .014192 .008247 .002493

20 .031644 .025699 .019753 .014000 .008055 .002301

21 .031452 .025507 .019562 .013808 .007863 .002110

22 .031260 .025315 .019370 .013616 .007671 .001918

23 .031068 .025123 .019178 .013425 .007479 .001726

24 .030877 .024932 .018986 .013233 .007288 .001534

25 .030685 .024740 .018795 .013041 .007096 .001342

26 .030493 .024548 .018603 .012849 .006904 .001151

27 .030301 .024356 .018411 .012658 .006712 .000959

28 .030110 .024164 .018219 .012466 .006521 .000767

29 .029918 .023973 .018027 .012274 .006329 .000575

30 .029726 .023781 .017836 .012082 .006137 .000384

31 .029534 .023589 .011890 .000192

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Exhibits C-10 through C-109 in PDF ONLY.

RD Instruction 440.1

Exhibit E

Page 1

## PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST AT

## RATES COMPUTED ON A FISCAL YEAR BASIS FOR USE WITH WATERSHED,

## RURAL RENEWAL, AND RESOURCE CONSERVATION AND DEVELOPMENT LOANS

3.222 Factor 3.225 Factor 3.253 Factor 3.256 Factor 3.342 Factor

No. ofFor FY Ending For FY Ending For FY Ending For FY EndingFor FY
Ending

[Years June 30, 1966 June 30, 1967 June 30, 1968 June 30, 1969June 30,
1970]{.underline}

1 1.03220 1.03225 1.03253 1.03256 1.03342

2 .52429 .52432 .52453 .52455 .52519

3 .35504 .35506 .35525 .35527 .35585

4 .27046 .27048 .27066 .27068 .27122

5 .21974 .21976 .21993 .21995 .22019

6 .18596 .18598 .18615 .18617 .18669

7 .16185 .16187 .16204 .16206 .16258

8 .14379 .14381 .14398 .14400 .14452

9 .12977 .12978 .12995 .12997 .13049

10 .11856 .11858 .11875 .11877 .11928

11 .10941 .10943 .10960 .10962 .11013

12 .10180 .10182 .10199 .10200 .10252

13 .09537 .09539 .09556 .09558 .09610

14 .08987 .08989 .09006 .09008 .09060

15 .08512 .08514 .08531 .08533 .08585

16 .08097 .08099 .08116 .08118 .08171

17 .07732 .07734 .07751 .07753 .07806

18 .07408 .07410 .07427 .07429 .07483

19 .07119 .07121 .07139 .07141 .07194

20 .06860 .06862 .06880 .06882 .06936

21 .06627 .06629 .06646 .06648 .06703

22 .06415 .06417 .06435 .06437 .06492

23 .06223 .06225 .06242 .06244 .06300

24 .06047 .06049 .06067 .06069 .06124

25 .05886 .05888 .05906 .05908 .05964

26 .05738 .05740 .05758 .05760 .05816

27 .05601 .05603 .05622 .05624 .05680

28 .05475 .05477 .05495 .05497 .05554

29 .05358 .05360 .05379 .05381 .05438

30 .05249 .05251 .05270 .05272 .05330

31 .05148 .05150 .05169 .05171 .05229

32 .05054 .05056 .05075 .05077 .05136

33 .04966 .04968 .04987 .04989 .05048

34 .04883 .04885 .04905 .04907 .04966

35 .04806 .04808 .04827 .04830 .04889

(7-24-69) PN 163

RD Instruction 440.1

Exhibit E

Page 2

## PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST AT

## RATES COMPUTED ON A FISCAL YEAR BASIS FOR USE WITH WATERSHED,

## RURAL RENEWAL, AND RESOURCE CONSERVATION AND DEVELOPMENT LOANS

3.222 Factor 3.225 Factor 3.253 Factor 3.256 Factor 3.342 Factor

No. ofFor FY Ending For FY Ending For FY Ending For FY EndingFor FY
Ending

[Years June 30, 1966 June 30, 1967 June 30, 1968 June 30, 1969June 30,
1970]{.underline}

36 .04733 .04735 .04755 .04757 .04817

37 .04665 .04667 .04687 .04689 .04749

38 .04601 .04603 .04623 .04625 .04685

39 .04540 .04542 .04562 .04564 .04625

40 .04483 .04485 .04505 .04507 .04569

41 .04429 .04431 .04451 .04453 .04515

42 .04378 .04380 .04400 .04402 .04464

43 .04329 .04331 .04352 .04354 .04416

44 .04283 .04285 .04306 .04308 .04371

45 .04240 .04242 .04262 .04265 .04328

46 .04198 .04200 .04221 .04223 .04287

47 .04159 .04161 .04182 .04184 .04248

48 .04121 .04124 .04145 .04147 .04211

49 .04086 .04088 .04109 .04111 .04176

50 .04052 .04054 .04075 .04078 .04143

RD Instruction 440.1

Exhibit E

Page 3

(Revision 4)

## PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST AT

## RATES COMPUTED ON A FISCAL YEAR BASIS FOR USE WITH WATERSHED

## AND RESOURCE CONSERVATION AND DEVELOPMENT LOANS

3.463 Factor 3.502 Factor 3.649 Factor 4.012 Factor

No. of For FY Ending For FY Ending For FY Ending For FY Ending

[Years]{.underline} [June 30, 1971]{.underline} [June 30,
1972]{.underline} [June 30, 1973]{.underline} [June 30,
1974]{.underline}

1 1.03463 1.03502 1.03649 1.04012

2 .52612 .52638 .52753 0.53028

3 .35668 .35695 .35795 0.36043

4 .27201 .27225 .27321 0.27556

5 .22125 .22149 .22242 0.22470

6 .18744 .18768 .18859 0.19083

7 .16332 .16355 .16446 0.16668

8 .14525 .14549 .14638 0.14860

9 .13122 .13146 .13235 0.13456

10 .12002 .12025 .12115 0.12336

11 .11087 .11110 .11200 0.11422

12 .10326 .10350 .10439 0.10663

13 .09684 .09707 .09797 0.10022

14 .09134 .09158 .09249 0.09474

15 .08660 .08684 .08775 0.09002

16 .08246 .08270 .08361 0.08590

17 .07881 .07906 .07998 0.08227

18 .07558 .07583 .07676 0.07907

19 .07271 .07295 .07389 0.07622

20 .07013 .07037 .07131 0.07366

21 .06780 .06805 .06900 0.07136

22 .06569 .06594 .06690 0.06928

23 .06378 .06403 .06499 0.06739

24 .06203 .06229 .06325 0.06567

25 .06043 .06069 .06166 0.06409

26 .05896 .05922 .06020 0.06265

27 .05761 .05787 .05885 0.06132

28 .05635 .05662 .05761 0.06010

29 .05520 .05546 .05646 0.05896

30 .05412 .05438 .05539 0.05791

(7-24-69) PN 163

RD Instruction 440.1

Exhibit E

Page 4

(Revision 4)

## PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST AT

## RATES COMPUTED ON A FISCAL YEAR BASIS FOR USE WITH WATERSHED

## AND RESOURCE CONSERVATION AND DEVELOPMENT LOANS

3.463 Factor 3.502 Factor 3.649 Factor 4.012 Factor

No. of For FY Ending For FY Ending For FY Ending For FY Ending

[Years]{.underline} [June 30, 1971]{.underline} [June 30,
1972]{.underline} [June 30, 1973]{.underline} [June 30,
1974]{.underline}

31 .05312 .05339 .05440 0.05694

32 .05219 .05245 .05348 0.05603

33 .05132 .05159 .05261 0.05519

34 .05050 .05077 .05181 0.05440

35 .04974 .05001 .05105 0.05366

36 .04902 .04930 .05035 0.05297

37 .04835 .04863 .04968 0.05233

38 .04772 .04800 .04906 0.05172

39 .04712 .04740 .04847 0.05115

40 .04656 .04684 .04792 0.05061

41 .04603 .04631 .04739 0.05011

42 .04553 .04581 .04690 0.04963

43 .04505 .04534 .04643 0.04918

44 .04460 .04489 .04599 0.04876

45 .04418 .04447 .04557 0.04836

46 .04377 .04407 .04518 0.04798

47 .04339 .04368 .04480 0.04762

48 .04303 .04332 .04445 0.04728

49 .04268 .04298 .04411 0.04695

50 .04235 .04265 .04379 0.04665

(7-31-74) PN 424

RD Instruction 440.1

Exhibit E

Page 5

(Revision 1)

## PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST AT

## 4.371% and 5.116% BASED ON PAYMENTS BEING MADE ANNUALLY

NUMBER 4.371% Factor For 5.116% Factor For

OF YEARS FY Ending 6/30/75 FY Ending 6/30/76

1 1.04371 1.05116

2 .53301 .53868

3 .36288 .36800

1 .27790 .28277

5 .22697 .23171

6 .19307 .19775

7 .16890 .17354

8 .15081 .15545

9 .13677 .14142

10 .12558 .13023

11 .11644 .12112

12 .10886 .11356

13 .10246 .10720

14 .09700 .10177

15 .09229 .09710

16 .08818 .09303

17 .08458 .08947

18 .08139 .08632

19 .07856 .08353

20 .07602 .08103

21 .07374 .07879

22 .07167 .07678

23 .06980 .07495

24 .06810 .07329

25 .06655 .07178

26 .06512 .07040

27 .06381 .06913

28 .06261 .06797

29 .06149 .06690

30 .06046 .06591

31 .05951 .06500

32 .05862 .06416

33 .05779 .06337

34 .05703 .06265

35 .05631 .06197

(7-24-69) PN 163

RD Instruction 440.1

Exhibit E

Page 6

NUMBER 4.371% Factor For 5.116% Factor For

OF YEARS FY Ending 6/30/75 FY Ending 6/30/76

36 .05564 .06134

37 .05501 .06075

38 .05442 .06020

39 .05387 .05969

40 .05335 .05921

41 .05286 .05876

42 .05240 .05833

43 .05197 .05794

44 .05156 .05757

45 .05117 .05722

46 .05081 .05689

47 .05047 .05658

48 .05014 .05629

49 .04984 .05602

50 .04954 .05576

## (Added 8-27-75 - PN 480.) 

RD Instruction 440.1

Exhibit E

Page 7

## PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

## AT 5.683% BASED ON PAYMENTS BEING MADE ANNUALLY

NUMBER

OF YEARS AMOUNT

1 1.05683

2 0.54302

3 0.37192

4 0.28650

5 0.23536

6 0.20135

7 0.17713

8 0.15903

9 0.14501

10 0.13384

11 0.12475

12 0.11722

13 0.11088

14 0.10549

15 0.10085

16 0.09681

17 0.09329

18 0.09018

19 0.08742

20 0.08496

21 0.08276

22 0.08078

23 0.07899

24 0.07737

25 0.07589

26 0.07455

27 0.07332

28 0.07219

29 0.07116

30 0.07021

31 0.06933

32 0.06852

33 0.06777

34 0.06708

35 0.06643

36 0.06583

37 0.06528

38 0.06476

39 0.06428

40 0.06383

41 0.06341

42 0.06302

43 0.06265

44 0.06231

45 0.06199

46 0.06169

47 0.06141

48 0.06114

49 0.06089

50 0.06066

(Added 12-22-76 - PN 549.)

o O o

RD Instruction 440.1

Exhibit F-1

Page 1

PERIODIC PAYMENT REQUIRED TO AMORTIZE

\$1.00 AND INTEREST AT 1%, 2«%, 3%, 3«%, 3-3/4%, 4%, and 4-1/8%

No. of Amount Amount Amount Amount Amount Amount Amount

[Years]{.underline} [at 1%]{.underline} [at 2«%]{.underline} [at
3%]{.underline} [at 3«%]{.underline} [at 3-3/4%]{.underline} [at
4%]{.underline} [at 4-1/8%]{.underline}

1 1.01000 1.02500 1.03000 1.03500 1.03750 1.04000 1.04125

2 .50751 .51883 .52261 .52640 .52830 .53020 .53115

3 .34002 .30514 .35353 .35693 .35864 .36035 .36120

4 .25628 .26582 .26903 .27225 .27387 .27549 .27630

5 .20604 .21525 .21835 .22148 .22305 .22463 .22542

6 .17255 .18155 .18460 .18767 .18921 .19076 .19154

7 .14863 .15750 .16051 .16354 .16507 .16661 .16738

8 .13069 .13947 .14246 .14548 .14700 .14853 .14930

9 .11674 .12546 .12843 .13145 .13297 .13449 .13526

10 .10558 .11426 .11723 .12024 .12176 .12329 .12406

11 .09645 .10511 .10808 .11109 .11262 .11415 .11492

12 .08885 .09749 .10046 .10348 .10501 .10655 .10733

13 .08241 .09105 .09403 .09706 .09860 .10014 .10092

14 .07690 .08554 .08853 .09157 .09311 .09467 .09545

15 .07212 .08077 .08377 .08683 .08838 .08994 .09073

16 .06794 .07660 .07961 .08268 .08424 .08582 .08661

17 .06426 .07293 .07595 .07904 .08061 .08220 .08300

18 .06098 .06967 .07271 .07582 .07740 .07899 .07980

19 .05805 .06676 .06981 .07294 .07453 .07614 .07695

20 .05542 .06415 .06722 .07036 .07196 .07358 .07440

21 .05303 .06179 .06487 .06804 .06965 .07128 .07210

22 .05086 .05965 .06275 .06593 .06756 .06920 .07003

23 .04889 .05770 .06081 .06402 .06565 .06731 .06814

24 .04707 .05591 .05905 .06227 .06392 .06559 .06643

25 .04541 .05428 .05743 .06067 .06233 .06401 .06486

26 .04387 .05277 .05594 .05921 .06087 .06257 .06342

27 .04245 .05138 .05456 .05785 .05953 .06124 .06210

28 .04112 .05009 .05329 .05660 .05830 .06001 .06088

29 .03990 .04889 .05211 .05545 .05715 .05888 .05975

30 .03875 .04778 .05102 .05437 .05609 .05783 .05871

31 .03768 .04674 .05000 .05337 .05510 .05686 .05774

32 .03667 .04577 .04905 .05244 .05418 .05595 .05684

33 .03573 .04486 .04816 .05157 .05332 .05510 .05600

34 .03484 .04401 .04732 .05076 .05252 .05431 .05522

35 .03400 .04321 .04654 .05000 .05177 .05358 .05449

(6-11-75) PN 469

RD Instruction 440.1

Exhibit F-1

Page 2

PERIODIC PAYMENT REQUIRED TO AMORTIZE

\$1.00 AND INTEREST AT 1%, 2«%, 3%, 3«%, 3-3/4%, 4%, and 4-1/8%

No. of Amount Amount Amount Amount Amount Amount Amount

[Years]{.underline} [at 1%]{.underline} [at 2«%]{.underline} [at
3%]{.underline} [at 3«%]{.underline} [at 3-3/4%]{.underline} [at
4%]{.underline} [at 4-1/8%]{.underline}

36 .03321 .04245 .04580 .04928 .05107 .05289 .05381

37 .03247 .04174 .04511 .04861 .05041 .05224 .05316

38 .03176 .04107 .04446 .04798 .04979 .05163 .05256

39 .03109 .04044 .04384 .04739 .04921 .05106 .05200

40 .03046 .03984 .04326 .04683 .04866 .05052 .05147

41 .02985 .04271 .04630 .04814

42 .02928 .04219 .04580 .04765

43 .02873 .04170 .04533 .04719

44 .02820 .04123 .04488 .04675

45 .02771 .04079 .04445 .04634

46 .02723 .04036 .04405 .04595

47 .02677 .03996 .04367 .04558

48 .02633 .03958 .04331 .04523

49 .02591 .03921 .04296 .04489

50 .02551 .03887 .04263 .04457

## oOo 

RD Instruction 440.1

Exhibit F-2

Page 1

(Revision 1)

PERIODIC PAYMENT REQUIRED TO AMORTIZE

\$1.00 AND INTEREST AT 4«%, 4-3/4%, 4-7/8%, 5%, 5-1/8%, 5«%, 5-3/4%, and
6%

(Revised 5-19-71, PN 257)

No. of Amount Amount Amount Amount Amount Amount Amount

[Year]{.underline} [at 4«%]{.underline} [at 4-3/4%]{.underline} [at
5%]{.underline} [at 5-1/8%]{.underline} [at 5«%]{.underline} [at
5-3/4%]{.underline} [at 6%]{.underline}

1 1.04500 1.04750 1.05000 1.05125 1.05500 1.05750 1.06000

2 .53400 .53590 .53780 .53876 .54162 .54353 .54544

3 .36377 .36549 .36721 .36807 .37065 .37238 .37411

4 .27874 .28038 .28201 .28283 .28530 .28694 .28859

5 .22779 .22938 .23097 .23177 .23418 .23578 .23740

6 .19388 .19545 .19702 .19781 .20018 .20177 .20336

7 .16970 .17126 .17282 .17360 .17596 .17755 .17914

8 .15161 .15316 .15472 .15550 .15786 .15945 .16104

9 .13757 .13913 .14069 .14147 .14384 .14543 .14702

10 .12638 .12794 .12950 .13029 .13267 .13426 .13587

11 .11725 .11881 .12039 .12118 .12357 .12518 .12679

12 .10967 .11124 .11283 .11362 .11603 .11765 .11928

13 .10328 .10486 .10646 .10726 .10968 .11132 .11296

14 .09782 .09942 .10102 .10183 .10428 .10593 .10758

15 .09311 .09472 .09634 .09716 .09963 .10129 .10296

16 .08902 .09064 .09227 .09309 .09558 .09726 .09895

17 .08542 .08705 .08870 .08953 .09204 .09374 .09544

18 .08224 .08388 .08555 .08638 .08892 .09063 .09236

19 .07941 .08107 .08275 .08359 .08615 .08788 .08962

20 .07688 .07855 .08024 .08110 .08368 .08542 .08718

21 .07460 .07629 .07800 .07886 .08146 .08323 .08500

22 .07255 .07425 .07597 .07684 .07947 .08125 .08305

23 .07068 .07240 .07414 .07501 .07767 .07946 .08128

24 .06899 .07072 .07247 .07335 .07604 .07785 .07968

25 .06744 .06919 .07095 .07184 .07455 .07638 .07823

26 .06602 .06778 .06956 .07046 .07319 .07504 .07690

27 .06472 .06649 .06829 .06920 .07195 .07381 .07570

28 .06352 .06531 .06712 .06804 .07081 .07269 .07459

29 .06241 .06422 .06605 .06697 .06977 .07166 .07358

30 .06139 .06321 .06505 .06598 .06881 .07072 .07265

31 .06044 .06228 .06413 .06507 .06792 .06984 .07179

32 .05956 .06141 .06328 .06423 .06710 .06904 .07100

33 .05874 .06060 .06249 .06344 .06633 .06829 .07027

34 .05798 .05986 .06176 .06271 .06563 .06760 .06960

35 .05727 .05916 .06107 .06204 .06497 .06696 .06897

(12-5-68) PN 135

RD Instruction 440.1

Exhibit F-2

Page 2

(Revision 1)

PERIODIC PAYMENT REQUIRED TO AMORTIZE

\$1.00 AND INTEREST AT 4«%, 4-3/4%, 4-7/8%, 5%, 5-1/8%, 5«%, 5-3/4%, and
6%

(Revised 5-19-71, PN 257)

No. of Amount Amount Amount Amount Amount Amount Amount

[Year]{.underline} [at 4«%]{.underline} [at 4-3/4%]{.underline} [at
5%]{.underline} [at 5-1/8%]{.underline} [at 5«%]{.underline} [at
5-3/4%]{.underline} [at 6%]{.underline}

36 .05661 .05851 .06043 .06141 .06437 .06637 .06839

37 .05598 .05790 .05984 .06082 .06380 .06582 .06786

38 .05540 .05733 .05928 .06027 .06327 .06530 .06736

39 .05486 .05680 .05876 .05976 .06278 .06482 .06689

40 .05434 .05630 .05828 .05928 .06232 .06438 .06646

41 .05883

42 .05841

43 .05802

44 .05764

45 .05729

46 .05697

47 .05666

48 .05637

49 .05610

50 .05584

(5-19-57) PN 257

RD Instruction 440.1

Exhibit F-2

Page 3

(Revision 4)

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND

INTEREST AT 4-7/8%, 5-1/4%, 5-3/8%, 5-7/8%, 6-3/8% AND 6-3/4%

No. of Amount at Amount at Amount at Amount at Amount at Amount at

[Years]{.underline} [4-7/8%]{.underline} [5-1/4%]{.underline}
[5-3/8%]{.underline} [5-7/8%]{.underline} [6-3/8%]{.underline}
[6-3/4%]{.underline}

1 1.04875 1.05250 1.05375 1.05875 1.06375 1.06750

2 .53685 .53970 .54066 .54448 .54830 0.55117

3 .36635 .36892 .36979 .37324 .37671 0.37931

4 .28119 .28365 .28447 .28777 .29107 0.29356

5 .23018 .23257 .23337 .23659 .23982 0.24226

6 .19623 .19859 .19938 .20256 .20576 0.20818

7 .17204 .17439 .17517 .17834 .18153 0.18394

8 .15394 .15629 .15707 .16024 .16343 0.16585

9 .13991 .14226 .14305 .14622 .14943 0.15186

10 .12872 .13108 .13187 .13506 .13829 0.14074

11 .11960 .12197 .12277 .12598 .12924 0.13170

12 .11203 .11442 .11522 .11846 .12174 0.12423

13 .10566 .10806 .10887 .11214 .11545 0.11796

14 .10022 .10264 .10346 .10675 .11010 0.11264

15 .09553 .09798 .09880 .10212 .10550 0.10807

16 .09145 .09392 .09475 .09810 .10152 0.10411

17 .08787 .09036 .09120 .09459 .09804 0.10066

18 .08471 .08722 .08807 .09149 .09497 0.09763

19 .08190 .08444 .08529 .08875 .09227 0.09495

20 .07939 .08195 .08281 .08630 .08986 0.09257

21 .07714 .07972 .08059 .08411 .08770 0.09044

22 .07511 .07771 .07859 .08215 .08577 0.08854

23 .07327 .07589 .07678 .08037 .08403 0.08683

24 .07159 .07424 .07514 .07876 .08246 0.08528

25 .07007 .07274 .07364 .07730 .08104 0.08389

26 .06867 .07137 .07228 .07597 .07974 0.08262

27 .06739 .07011 .07103 .07475 .07856 0.08146

28 .06621 .06896 .06988 .07364 .07748 0.08041

29 .06513 .06790 .06883 .07262 .07649 0.07945

30 .06413 .06692 .06786 .07168 .07559 0.07857

(12-5-68) PN 135

RD Instruction 440.1

Exhibit F-2

Page 4

(Revision 4)

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND

INTEREST AT 4-7/8%, 5-1/4%, 5-3/8%, 5-7/8%, 6-3/8% AND 6-3/4%

No. of Amount at Amount at Amount at Amount at Amount at Amount at

[Years]{.underline} [4-7/8%]{.underline} [5-1/4%]{.underline}
[5-3/8%]{.underline} [5-7/8%]{.underline} [6-3/8%]{.underline}
[6-3/4%]{.underline}

31 .06320 .06601 .06696 .07082 .07476 0.07777

32 .06234 .06518 .06613 .07002 .07399 0.07702

33 .06154 .06440 .06536 .06928 .07328 0.07634

34 .06080 .06368 .06860 .07263 0.07572

35 .06011 .06301 .06797 .07203 0.07514

36 .05947 .06239 .06738 .07148 0.07460

37 .05887 .06181 .06683 .07096 0.07411

38 .05830 .06127 .06633 .07048 0.07365

39 .05778 .06076 .06586 .07004 0.07323

40 .05728 .06029 .06542 .06963 0.07284

41 .06501 0.07248

42 .06463 0.07214

43 .06427 0.07187

44 .06394 0.07154

45 .06362 0.07127

46 .06333 0.07102

47 .06306 0.07079

48 .06280 0.07057

49 .06256 0.07037

50 .06234 0.07018

## o O o 

RD Instruction 440.1

Exhibit F-3

Page 1

PERIODIC PAYMENT REQUIRED TO AMORTIZE

\$1.00 AND INTEREST AT 6¬%, 6«%, 6-5/8%, 7%, and 7¬%

No. of Amount Amount Amount Amount Amount

[Years]{.underline} [at 6¬%]{.underline} [at 6«%]{.underline} [at
6-5/8%]{.underline} [at 7%]{.underline} [at 7¬%]{.underline}

1 1.06250 1.06500 1.06625 1.07000 1.07250

2 .54735 .54926 .55022 .55309 .55501

3 .37584 .37758 .37844 .38105 .38279

4 .29025 .29190 .29273 .29523 .29690

5 .23901 .24063 .24145 .24389 .24553

6 .20496 .20657 .20737 .20979 .21142

7 .18073 .18233 .18313 .18555 .18717

8 .16263 .16424 .16504 .16747 .16909

9 .14863 .15024 .15105 .15349 .15512

10 .13748 .13910 .13992 .14238 .14403

11 .12842 .13006 .13088 .13336 .13502

12 .12092 .12257 .12340 .12590 .12758

13 .11462 .11628 .11712 .11965 .12133

14 .10926 .11094 .11179 .11434 .11607

15 .10465 .10635 .10721 .10979 .11153

16 .10066 .10238 .10324 .10586 .10762

17 .09717 .09891 .09978 .10242 .10421

18 .09410 .09585 .09674 .09941 .10121

19 .09138 .09316 .09405 .09675 .09857

20 .08896 .09076 .09166 .09439 .09623

21 .08680 .08861 .08953 .09229 .09415

22 .08486 .08669 .08761 .09041 .09229

23 .08311 .08496 .08589 .08871 .09062

24 .08153 .08340 .08434 .08719 .08911

25 .08009 .08198 .08293 .08581 .08775

26 .07879 .08069 .08165 .08456 .08652

27 .07760 .07952 .08049 .08343 .08540

28 .07651 .07845 .07943 .08239 .08439

29 .07552 .07747 .07846 .08145 .08347

30 .07460 .07658 .07757 .08059 .08262

31 .07376 .07575 .07676 .07980 .08185

32 .07299 .07500 .07601 .07907 .08114

33 .07228 .07430 .07532 .07841 .08049

34 .07162 .07468 .07780 .07990

35 .07101 .07410 .07723 .07935

(9-20-72) PN 327

RD Instruction 440.1

Exhibit F-3

Page 2

PERIODIC PAYMENT REQUIRED TO AMORTIZE

\$1.00 AND INTEREST AT 6¬%, 6«%, 6-5/8%, 7%, and 7¬%

No. of Amount Amount Amount Amount Amount

[Years]{.underline} [at 6¬%]{.underline} [at 6«%]{.underline} [at
6-5/8%]{.underline} [at 7%]{.underline} [at 7¬%]{.underline}

36 .07044 .07356 .07672 .07885

37 .06992 .07306 .07624 .07838

38 .06944 .07259 .07579 .07795

39 .06899 .07216 .07539 .07756

40 .06857 .07176 .07501 .07720

41 .06818 .07466 .07686

42 .06782 .07434 .07655

43 .06748 .07404 .07626

44 .06716 .07376 .07599

45 .06687 .07350 .07575

46 .06660 .07326 .07552

47 .06634 .07304 .07531

48 .06610 .07283 .07511

49 .06588 .07264 .07493

50 .06567 .07246 .07476

## o O o 

RD Instruction 440.1

Exhibit F-4

Page 1

PERIODIC PAYMENT REQUIRED TO AMORTIZE

\$1.00 AND INTEREST AT 7«%, 7-7/8%, 8%, & 9%

No. of Amount Amount Amount Amount

[Years]{.underline} [at 7«%]{.underline} [at 7-7/8%]{.underline} [at
8%]{.underline} [at 9%]{.underline}

1 1.07500 1.07875 1.08000 1.09000

2 .55693 .55980 .56076 .56847

3 .38454 .38715 .38803 .39505

4 .29857 .30108 .30192 .30867

5 .24717 .24963 .25045 .25709

6 .21304 .21549 .21631 .22292

7 .18880 .19125 .19207 .19869

8 .17073 .17319 .17401 .18067

9 .15677 .15925 .16008 .16680

10 .14569 .14819 .14903 .15582

11 .13670 .13923 .14008 .14695

12 .12928 .13184 .13269 .13965

13 .12306 .12565 .12652 .13357

14 .11780 .12042 .12130 .12843

15 .11329 .11594 .11683 .12406

16 .10939 .11207 .11298 .12030

17 .10600 .10872 .10963 .11705

18 .10303 .10578 .10670

.11421

(9-21-73) SPECIAL PN 9-21-73

RD Instruction 440.1

Exhibit F-4

Page 2

PERIODIC PAYMENT REQUIRED TO AMORTIZE

\$1.00 AND INTEREST AT 7«%, 7-7/8%, 8%, & 9%

No. of Amount Amount Amount Amount

[Years]{.underline} [at 7«%]{.underline} [at 7-7/8%]{.underline} [at
8%]{.underline} [at 9%]{.underline}

19 .10041 .10319 .10413 .11173

20 .09809 .10091 .10185 .10955

21 .09603 .09888 .09983 .10762

22 .09419 .09706 .09803 .10590

23 .09254 .09544 .09642 .10438

24 .09105 .09399 .09498 .10302

25 .08971 .09268 .09368 .10181

26 .08850 .09150 .09251 .10072

27 .08740 .09043 .09145 .09973

28 .08641 .08946 .09049 .09885

29 .08550 .08858 .08962 .09806

30 .08467 .08778 .08883 .09734

31 .08392 .08705 .08811 .09669

32 .08323 .08639 .08745 .09610

33 .08259 .08578 .08685 .09556

34 .08523 .08630 .09508

35 .08472 .08580 .09464

36 .08425 .08534 .09424

37 .08382 .08492 .09387

38 .08343 .08454 .09354

39 .08307 .08418 .09324

40 .08274 .08386 .09296

RD Instruction 440.1

Exhibit F-4

Page 3

PERIODIC PAYMENT REQUIRED TO AMORTIZE

\$1.00 AND INTEREST AT 7«%, 7-7/8%, 8%, & 9%

No. of Amount Amount Amount Amount

[Years]{.underline} [at 7«%]{.underline} [at 7-7/8%]{.underline} [at
8%]{.underline} [at 9%]{.underline}

41 .08356 .09271

42 .08329 .09248

43 .08303 .09227

44 .08280 .09208

45 .08259 .09190

46 .08239 .09174

47 .08221 .09160

48 .08204 .09146

49 .08189 .09134

50 .08174 .09123

o O o

(9-21-73) SPECIAL PN 9-21-73

RD Instruction 440.1

Exhibit F-5

Page 1

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 7-3/4% AND 8¬% BASED ON PAYMENTS BEING MADE ANNUALLY

No. of Amount Amount

[Years]{.underline} [at 7-3/4%]{.underline} [at 8¬%]{.underline}

1 1.07750 1.08250

2 .55885 .56269

3 .38628 .38978

4 .30024 .30360

5 .24881 .25211

6 .21468 .21796

7 .19043 .19372

8 .17237 .17567

9 .15842 .16175

10 .14735 .15071

11 .13838 .14178

12 .13098 .13442

13 .12479 .12827

14 .11954 .12306

15 .11505 .11862

16 .11118 .11479

17 .10781 .11146

18 .10486 .10856

19 .10226 .10601

20 .09996 .10375

21 .09792 .10176

22 .09610 .09998

23 .09447 .09839

24 .09301 .09697

25 .09169 .09569

26 .09049 .09454

27 .08942 .09350

28 .08844 .09256

29 .08755 .09170

30 .08674 .09093

31 .08600 .09023

32 .08533 .08959

33 .08471 .08901

.08415 .08847

.08363 .08799

(8-23-73) SPECIAL PN 8-23-73

RD Instruction 440.1

Exhibit F-5

Page 2

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 7-3/4% AND 8¬% BASED ON PAYMENTS BEING MADE ANNUALLY

No. of Amount Amount

[Years]{.underline} [at 7-3/4%]{.underline} [at 8¬%]{.underline}

36 .08316 .08754

37 .08273 .08714

38 .08233 .08677

39 .08196 .08643

40 .08162 .08611

41 .08131 .08583

42 .08102 .08556

43 .08076 .08532

44 .08052 .08510

45 .08029 .08490

46 .08008 .08471

47 .07989 .08454

48 .07972 .08438

49 .07955 .08423

50 .07940 .08410

o O o

RD Instruction 440.1

Exhibit F-5

Page 3

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 8.50% BASED ON PAYMENTS BEING MADE ANNUALLY

NUMBER

[OF YEARS]{.underline} [AMOUNT]{.underline}

1 1.08500

2 0.56461

3 0.39153

4 0.30528

5 0.25376

6 0.21960

7 0.19537

8 0.17733

9 0.16342

10 0.15241

11 0.14349

12 0.13615

13 0.13002

14 0.12484

15 0.12042

16 0.11661

17 0.11331

18 0.11043

19 0.10790

20 0.10567

21 0.10369

22 0.10194

23 0.10037

24 0.09897

25 0.09771

26 0.09658

27 0.09556

28 0.09464

29 0.09381

30 0.09305

31 0.09236

32 0.09174

33 0.09118

34 0.09066

35 0.09019

36 0.08976

37 0.08937

38 0.08901

39 0.08868

40 0.08838

41 0.08811

42 0.08786

43 0.08762

44 0.08741

45 0.08722

46 0.08704

47 0.08688

48 0.08673

49 0.08659

50 0.08646

(9-25-73) SPECIAL PN 9-25-73

RD Instruction 440.1

Exhibit F-6

Page 1

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 8 3/4% BASED ON PAYMENTS BEING MADE ANNUALLY

NUMBER

OF YEARS AMOUNT

1 1.08750

2 .56654

3 .39329

4 .30698

5 .25543

6 .22126

7 .19703

8 .17900

9 .16511

10 .15411

11 .14521

12 .13790

13 .13179

14 .12663

15 .12223

16 .11845

17 .11517

18 .11231

19 .10981

20 .10760

21 .10565

22 .10391

23 .10237

24 .10099

25 .09975

26 .09864

27 .09764

28 .09674

29 .09592

30 .09519

31 .09452

32 .09391

33 .09336

34 .09286

35 .09241

36 .09199

37 .09161

38 .09127

39 .09095

40 .09066

41 .09040

42 .09016

43 .08994

44 .08974

45 .08955

46 .08939

47 .08923

48 .08909

49 .08896

50 .08884

(2-1-74) SPECIAL PN 2-1-74

RD Instruction 440.1

Exhibit F-7

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 2% BASED ON PAYMENTS BEING MADE ANNUALLY

NUMBER

OF YEARS AMOUNT

1 1.02000

2 .51505

3 .34675

4 .26262

5 .21216

6 .17852

7 .15451

8 .13651

9 .12251

10 .11133

11 .10218

12 .09456

13 .08812

14 .08260

15 .07782

16 .07365

17 .06997

18 .06670

19 .06378

20 .06116

21 .05878

22 .05663

23 .05467

24 .05287

25 .05122

26 .04970

27 .04829

28 .04699

29 .04578

30 .04465

31 .04360

32 .04261

33 .04169

34 .04082

35 .04000

36 .03923

37 .03851

38 .03782

39 .03717

40 .03656

41 .03597

42 .03542

43 .03489

44 .03439

45 .03391

46 .03345

47 .03302

48 .03260

49 .03220

50 .03182

o O o

(5-8-74) PN 412

RD Instruction 440.1

Exhibit F-8

(SPN 5-20-74)

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 9.25% BASED ON PAYMENTS BEING MADE ANNUALLY

NUMBER

OF YEARS AMOUNT

1 1.09250

2 .57039

3 .39681

4 .31036

5 .25876

6 .22458

7 .20036

8 .18236

9 .16850

10 .15754

11 .14869

12 .14141

13 .13535

14 .13024

15 .12589

16 .12216

17 .11893

18 .11612

19 .11366

20 .11150

21 .10960

22 .10791

23 .10641

24 .10507

25 .10388

26 .10280

27 .10184

28 .10098

29 .10020

30 .09950

31 .09887

32 .09829

33 .09778

34 .09731

35 .09688

36 .09649

37 .09614

38 .09582

39 .09553

40 .09527

41 .09503

42 .09481

43 .09461

44 .09443

45 .09426

46 .09411

47 .09397

48 .09384

49 .09373

50 .09362

(5-20-74) SPECIAL PN 5-20-74 o O o

RD Instruction 440.1

Exhibit F-9

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 9.5% BASED ON PAYMENTS BEING MADE ANNUALLY

NUMBER

OF YEARS AMOUNT

1 1.09500

2 0.57233

3 0.39858

4 0.31206

5 0.26044

6 0.22625

7 0.20204

8 0.18405

9 0.17020

10 0.15927

11 0.15044

12 0.14319

13 0.13715

14 0.13207

15 0.12774

16 0.12403

17 0.12083

18 0.11805

19 0.11561

20 0.11348

21 0.11159

22 0.10993

23 0.10845

24 0.10713

25 0.10596

26 0.10491

27 0.10397

28 0.10312

29 0.10236

30 0.10168

31 0.10106

32 0.10051

33 0.10000

34 0.09955

35 0.09914

36 0.09876

37 0.09843

38 0.09812

39 0.09784

40 0.09759

41 0.09736

42 0.09715

43 0.09696

44 0.09678

45 0.09663

46 0.09648

47 0.09635

48 0.09623

49 0.09613

50 0.09603

(7-17-74) SPECIAL PN o 0 o

RD Instruction 440.1

Exhibit F-10

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 10% BASED ON PAYMENTS BEING MADE ANNUALLY

NUMBER

OF YEARS AMOUNT

1 1.10000

2 0.57618

3 0.40211

4 0.31547

5 0.26380

6 0.22961

7 0.20540

8 0.18744

9 0.17364

10 0.16274

11 0.15396

12 0.14676

13 0.14078

14 0.13575

15 0.13147

16 0.12782

17 0.12466

18 0.12193

19 0.11955

20 0.11746

21 0.11562

22 0.11400

23 0.11257

24 0.11130

25 0.11017

26 0.10916

27 0.10826

28 0.10745

29 0.10673

30 0.10608

31 0.10550

32 0.10497

33 0.10450

34 0.10407

35 0.10369

36 0.10334

37 0.10303

38 0.10275

39 0.10249

40 0.10226

41 0.10205

42 0.10186

43 0.10169

44 0.10153

45 0.10139

46 0.10126

47 0.10115

48 0.10104

49 0.10095

50 0.10086

(9-11-74) PN 430 o O o

RD Instruction 440.1

Exhibit F-11

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 11% BASED ON PAYMENTS BEING MADE ANNUALLY

NUMBER

OF YEARS AMOUNT

1 1.11000

2 0.58393

3 0.40921

4 0.32232

5 0.27057

6 0.23637

7 0.21221

8 0.19432

9 0.18060

10 0.16980

11 0.16112

12 0.15403

13 0.14815

14 0.14323

15 0.13906

16 0.13552

17 0.13247

18 0.12984

19 0.12756

20 0.12558

21 0.12381

22 0.12231

23 0.12097

24 0.11979

25 0.11874

26 0.11781

27 0.11699

28 0.11626

29 0.11561

30 0.11502

31 0.11451

32 0.11404

33 0.11363

34 0.11326

35 0.11293

36 0.11263

37 0.11236

38 0.11213

39 0.11191

40 0.11172

41 0.11155

42 0.11139

43 0.11125

44 0.11113

45 0.11101

46 0.11091

47 0.11082

48 0.11074

49 0.11067

50 0.11060

(9-11-74) PN 430 o O o

RD Instruction 440.1

Exhibit F-12

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 8.125% BASED ON PAYMENTS BEING MADE ANNUALLY

NUMBER

OF YEARS AMOUNT

1 1.08125

2 0.56173

3 0.38891

4 0.30276

5 0.25128

6 0.21714

7 0.19289

8 0.17484

9 0.16091

10 0.14987

11 0.14093

12 0.13356

13 0.12739

14 0.12218

15 0.11772

16 0.11388

17 0.11054

18 0.10763

19 0.10507

20 0.10280

21 0.10079

22 0.09900

23 0.09740

24 0.09597

25 0.09468

26 0.09352

27 0.09247

28 0.09152

29 0.09066

30 0.08988

31 0.08917

32 0.08852

33 0.08793

34 0.08739

35 0.08689

36 0.08644

37 0.08603

38 0.08565

39 0.08530

40 0.08498

41 0.08469

42 0.08442

43 0.08418

44 0.08395

45 0.08374

46 0.08355

47 0.08337

48 0.08321

49 0.08306

50 0.08292

(3-4-75) SPECIAL PN 3-4-75

RD Instruction 440.1

Exhibit F-13

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 6.063% BASED ON PAYMENTS BEING MADE ANNUALLY

NUMBER

OF YEARS AMOUNT

1 1.06063

2 0.54592

3 0.37455

4 0.28901

5 0.23781

6 0.20377

7 0.17954

8 0.16144

9 0.14743

10 0.13628

11 0.12721

12 0.11969

13 0.11338

14 0.10801

15 0.10339

16 0.09939

17 0.09588

18 0.09280

19 0.09007

20 0.08764

21 0.08546

22 0.08351

23 0.08174

24 0.08015

25 0.07870

26 0.07738

27 0.07618

28 0.07508

29 0.07407

30 0.07314

31 0.07229

32 0.07151

33 0.07078

34 0.07011

35 0.06949

36 0.06891

37 0.06838

(4-12-78) PN 617

RD Instruction 440.1

Exhibit F-13

Page 2

NUMBER

OF YEARS AMOUNT

38 0.06788

39 0.06742

40 0.06699

41 0.06660

42 0.06622

43 0.06588

44 0.06555

45 0.06525

46 0.06497

47 0.06470

48 0.06446

49 0.06422

50 0.06401

o O o

RD Instruction 440.1

Exhibit F-14

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 7.21% BASED ON PAYMENTS BEING MADE ANNUALLY

NUMBER

OF YEARS AMOUNT

1 1.07210

2 .55471

3 .38252

4 .29663

5 .24527

6 .21116

7 .18692

8 .16884

9 .15487

10 .14377

11 .13476

12 .12732

13 .12108

14 .11579

15 .11126

16 .10734

17 .10392

18 .10093

19 .09829

20 .09594

21 .09386

22 .09199

23 .09032

24 .08881

25 .08745

26 .08621

27 .08509

28 .08407

29 .08315

30 .08230

31 .08152

32 .08081

33 .08016

34 .07956

35 .07901

36 .07851

37 .07804

38 .07761

39 .07722

40 .07685

41 .07651

42 .07620

43 .07591

44 .07564

45 .07539

46 .07516

47 .07495

48 .07475

49 .07457

50 .07439

(12-5-79) PN 703

RD Instruction 440.1

Exhibit F-15

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 8.605% BASED ON PAYMENTS BEING MADE ANNUALLY

NUMBER

OF YEARS AMOUNT

1 1.08605

2 .56543

3 .39228

4 .30600

5 .25447

6 .22031

7 .19607

8 .17804

9 .16413

10 .15313

11 .14422

12 .13689

13 .13077

14 .12560

15 .12119

16 .11739

17 .11440

18 .11123

19 .10871

20 .10649

21 .10452

22 .10277

23 .10121

24 .09982

25 .09857

26 .09745

27 .09644

28 .09552

29 .09470

30 .09395

31 .09327

32 .09266

33 .09210

34 .09159

35 .09112

36 .09070

37 .09031

38 .08996

39 .08964

40 .08934

41 .08907

42 .08883

43 .08860

44 .08839

45 .08820

46 .08803

47 .08787

48 .08772

49 .08759

50 .08747

oOo

(11-26-80) PN 754

RD Instruction 440.1

Exhibit F-16

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 9.352% BASED ON PAYMENTS BEING MADE ANNUALLY

NUMBER

OF YEARS AMOUNT

1 1.09352

2 .57119

3 .39754

4 .31106

5 .25945

6 .22527

7 .20105

8 .18305

9 .16920

10 .15825

11 .14941

12 .14214

13 .13609

14 .13099

15 .12665

16 .12293

17 .11971

18 .11691

19 .11446

20 .11231

21 .11042

22 .10874

23 .10724

24 .10592

25 .10473

26 .10367

27 .10271

28 .10186

29 .10109

30 .10039

31 .09977

32 .09920

33 .09869

34 .09822

35 .09780

36 .09742

37 .09708

38 .09676

39 .09648

40 .09622

41 .09598

42 .09577

43 .09557

44 .09539

45 .09523

46 .09508

47 .09495

48 .09482

49 .09471

50 .09461

oOo

(11-9-81) SPECIAL PN

RD Instruction 440.1

Exhibit F-17

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 10.051 BASED ON PAYMENTS BEING MADE ANNUALLY

NUMBER

OF YEARS AMOUNT

1 1.10051

2 0.57659

3 0.40248

4 0.31582

5 0.26415

6 0.22996

7 0.20576

8 0.18780

9 0.17400

10 0.16311

11 0.15433

12 0.14714

13 0.14116

14 0.13613

15 0.13186

16 0.12821

17 0.12506

18 0.12233

19 0.11996

20 0.11787

21 0.11604

22 0.11443

23 0.11300

24 0.11173

25 0.11061

26 0.10960

27 0.10870

28 0.10790

29 0.10718

30 0.10654

31 0.10596

32 0.10543

33 0.10497

34 0.10454

35 0.10416

36 0.10382

37 0.10351

38 0.10323

39 0.10297

40 0.10274

41 0.10254

42 0.10235

43 0.10218

44 0.10202

45 0.10188

46 0.10176

47 0.10164

48 0.10154

49 0.10144

50 0.10136

(11-1-82) Special PN

RD Instruction 440.1

Exhibit F-18

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 10.403 BASED ON PAYMENTS BEING MADE ANNUALLY

NUMBER OF YEARS AMOUNT

1 1.10403

2 0.57931

3 0.40498

4 0.31823

5 0.26652

6 0.23233

7 0.20814

8 0.19021

9 0.17644

10 0.16558

11 0.15684

12 0.14968

13 0.14374

14 0.13875

15 0.13452

16 0.13090

17 0.12779

18 0.12510

19 0.12276

20 0.12071

21 0.11892

22 0.11733

23 0.11594

24 0.11470

25 0.11360

26 0.11263

27 0.11176

28 0.11098

29 0.11029

30 0.10967

31 0.10911

32 0.10861

33 0.10816

34 0.10776

35 0.10740

36 0.10707

37 0.10678

38 0.10651

39 0.10627

40 0.10606

41 0.10587

42 0.10569

43 0.10553

44 0.10539

45 0.10526

46 0.10514

47 0.10504

48 0.10494

49 0.10486

50 0.10478

(12-1-83) SPECIAL PN

Exhibits F-19 through F-25 in PDF ONLY.

RD Instruction 440.1

Exhibit G

Page 1

TABLES TO DETERMINE THE NUMBER OF DAYS BETWEEN ANY TWO GIVEN DATES

To find the number of days between any two given dates, proceed as
follows:

1\. Find the number for the earlier of the two dates by locating the day
of the month in the left hand column of the Table entitled \"FIRST
YEAR,\" and proceed across until the desired month is reached.

2\. Find the number for the later date by using either the \"FIRST
YEAR\" or the \"SECOND YEAR\" table. The \"SECOND YEAR\" Table is used
if the later date falls in the succeeding year.

3\. Subtract the earlier date \"number\" from the latter date \"number\"
to determine the number of days between the two dates.

FIRST YEAR

DAY

OF

MONTH_JAN\_\_FEB\_\_\_MAR\_\_\_APR\_\_\_MAY\_\_\_JUNE\_\_JULY\_\_AUG\_\_\_SEPT\_\_OCT\_\_\_NOV\_\_\_DEC

\|

1\| 1 32 60 91 121 152 182 213 244 274 305 335

2\| 2 33 61 92 122 153 183 214 245 275 306 336

3\| 3 34 62 93 123 154 184 215 246 276 307 337

4\| 4 35 63 94 124 155 185 216 247 277 308 338

5\| 5 36 64 95 125 156 186 217 248 278 309 339

6\| 6 37 65 96 126 157 187 218 249 279 310 340

7\| 7 38 66 97 127 158 188 219 250 280 311 341

8\| 8 39 67 98 128 159 189 220 251 281 312 342

9\| 9 40 68 99 129 160 190 221 252 282 313 343

10\| 10 41 69 100 130 161 191 222 253 283 314 344

11\| 11 42 70 101 131 162 192 223 254 284 315 345

12\| 12 43 71 102 132 163 193 224 255 285 316 346

13\| 13 44 72 103 133 164 194 225 256 286 317 347

14\| 14 45 73 104 134 165 195 226 257 287 318 348

15\| 15 46 74 105 135 166 196 227 258 288 319 349

16\| 16 47 75 106 136 167 197 228 259 289 320 350

17\| 17 48 76 107 137 168 198 229 260 290 321 351

18\| 18 49 77 108 138 169 199 230 261 291 322 352

19\| 19 50 78 109 139 170 200 231 262 292 323 353

20\| 20 51 79 110 140 171 201 232 263 293 324 354

21\| 21 52 80 111 141 172 202 233 264 294 325 355

22\| 22 53 81 112 142 173 203 234 265 295 326 356

23\| 23 54 82 113 143 174 204 253 266 296 327 357

24\| 24 55 83 114 144 175 205 236 267 297 328 358

25\| 25 56 84 115 145 176 206 237 268 298 329 359

26\| 26 57 85 116 146 177 207 238 269 299 330 360

27\| 27 58 86 117 147 178 208 239 270 300 331 361

28\| 28 59 87 118 148 179 209 240 271 301 332 362

29\| 29 \* 88 119 149 180 210 241 272 302 333 363

30\| 30 89 120 150 181 211 242 273 303 334 364

31\| 31 90 151 212 243 304 365

\*For February 29 use factor for March 1.

(10-22-70) PN 229

RD Instruction 440.1

Exhibit G

Page 2

TABLES TO DETERMINE THE NUMBER OF DAYS BETWEEN ANY TWO GIVEN DATES

SECOND YEAR

DAY

OF

MONTH_JAN\_\_FEB\_\_\_MAR\_\_\_APR\_\_\_MAY\_\_\_JUNE\_\_JULY\_\_AUG\_\_\_SEPT\_\_OCT\_\_\_NOV\_\_\_DEC

\|

1\| 366 397 425 456 486 517 547 578 609 639 670 700

2\| 367 398 426 457 487 518 548 579 610 640 671 701

3\| 368 399 427 458 488 519 549 580 611 641 672 702

4\| 369 400 428 459 489 520 550 581 612 642 673 703

5\| 370 401 429 460 490 521 551 582 613 643 674 704

6\| 371 402 430 461 491 522 552 583 614 644 675 705

7\| 372 403 431 462 492 523 553 584 615 645 676 706

8\| 373 404 432 463 493 524 554 585 616 646 677 707

9\| 374 405 433 464 494 525 555 586 617 647 678 708

10\| 375 406 434 465 495 526 556 587 618 648 679 709

11\| 376 407 435 466 496 527 557 588 619 649 680 710

12\| 377 408 436 467 497 528 558 589 620 650 681 711

13\| 378 409 437 468 498 529 559 590 621 651 682 712

14\| 379 410 438 469 499 530 560 591 622 652 683 713

15\| 380 411 439 470 500 531 561 592 623 653 684 714

16\| 381 412 440 471 501 532 562 593 624 654 685 715

17\| 382 413 441 472 502 533 563 594 625 655 686 716

18\| 383 414 442 473 503 534 564 595 626 656 687 717

19\| 384 415 443 474 504 535 565 596 627 657 688 718

20\| 385 416 444 475 505 536 566 597 628 658 689 719

21\| 386 417 445 476 506 537 567 598 629 659 690 720

22\| 387 418 446 477 507 538 568 599 630 660 691 721

23\| 388 419 447 478 508 539 569 600 631 661 692 722

24\| 389 420 448 479 509 540 570 601 632 662 693 723

25\| 390 421 449 480 510 541 571 602 633 663 694 724

26\| 391 422 450 481 511 542 572 603 634 664 695 725

27\| 392 423 451 482 512 543 573 604 635 665 696 726

28\| 393 424 452 483 513 544 574 605 636 666 697 727

29\| 394 \* 453 484 514 545 575 606 637 667 698 728

30\| 395 454 485 515 546 576 607 638 668 699 729

31\| 396 455 516 577 608 669 730

\*For February 29 use factor for March 1.

RD Instruction 440.1

Exhibit H-1.00

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 1% BASED ON PAYMENTS BEING MADE MONTHLY

NUMBER NUMBER

OF YEARS OF MONTHS AMOUNT

1 12 .08372

2 24 .04207

3 36 .02818

4 48 .02124

5 60 .01708

6 72 .01430

7 84 .01232

8 96 .01083

9 108 .00968

10 120 .00875

11 132 .00800

12 144 .00737

13 156 .00683

14 168 .00638

15 180 .00598

16 192 .00563

17 204 .00533

18 216 .00506

19 228 .00481

20 240 .00460

21 252 .00440

22 264 .00422

23 276 .00405

24 288 .00390

25 300 .00377

26 312 .00364

27 324 .00352

28 336 .00341

29 348 .00331

30 360 .00321

31 372 .00313

32 384 .00304

33 396 .00296

34 408 .00289

35 420 .00282

36 432 .00276

37 444 .00270

(10-1-75) PN 485

RD Instruction 440.1

Exhibit H-1.00

Page 2

NUMBER NUMBER

OF YEARS OF MONTHS AMOUNT

38 456 .00264

39 468 .00258

40 480 .00253

41 492 .00248

42 504 .00243

43 516 .00239

44 528 .00234

45 540 .00230

46 552 .00226

47 564 .00222

48 576 .00219

49 588 .00215

50 600 .00212

Example: \$10,000 advance for 33 years

To determine the monthly installments, multiply \$10,000 by the 33 year
factor of .00296. \$10,000.00 X .00296 = \$29.60

To determine the total amount of interest and principal a borrower will
pay over the life of this loan, multiply the number of months times the
monthly installment. \$29.60 X 396 = \$11,721.60

o O o

RD Instruction 440.1

Exhibit H-2.00

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 2% BASED ON PAYMENTS BEING MADE MONTHLY

NUMBER NUMBER

OF YEARS OF MONTHS AMOUNT

1 12 .08420

2 24 .04252

3 36 .02863

4 48 .02169

5 60 .01752

6 72 .01474

7 84 .01276

8 96 .01128

9 108 .01012

10 120 .00920

11 132 .00844

12 144 .00781

13 156 .00728

14 168 .00683

15 180 .00643

16 192 .00609

17 204 .00578

18 216 .00551

19 228 .00527

20 240 .00506

21 252 .00486

22 264 .00468

23 276 .00452

24 288 .00437

25 300 .00424

26 312 .00411

27 324 .00400

28 336 .00389

29 348 .00379

30 360 .00370

31 372 .00361

32 384 .00353

33 396 .00345

34 408 .00338

35 420 .00331

36 432 .00325

37 444 .00319

38 456 .00313

39 468 .00308

40 480 .00303

41 492 .00298

42 504 .00293

43 516 .00289

44 528 .00285

45 540 .00281

46 552 .00277

47 564 .00274

48 576 .00270

49 588 .00267

50 600 .00264

(6-4-74) SPECIAL PN 6-4-74 o O o

RD Instruction 440.1

EXHIBIT H-3.00

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 3% BASED ON PAYMENTS BEING MADE MONTHLY

NUMBER NUMBER

OF YEARS OF MONTHS AMOUNT

1 12 .08469

2 24 .04298

3 36 .02908

4 48 .02213

5 60 .01797

6 72 .01519

7 84 .01321

8 96 .01173

9 108 .01058

10 120 .00966

11 132 .00890

12 144 .00828

13 156 .00775

14 168 .00730

15 180 .00691

16 192 .00656

17 204 .00626

18 216 .00600

19 228 .00576

20 240 .00555

21 252 .00535

22 264 .00518

23 276 .00502

24 288 .00487

25 300 .00474

26 312 .00462

27 324 .00451

28 336 .00440

29 348 .00431

30 360 .00422

31 372 .00413

32 384 .00405

33 396 .00398

34 408 .00391

35 420 .00385

36 432 .00379

37 444 .00373

38 456 .00368

39 468 .00363

40 480 .00358

41 492 .00353

42 504 .00349

43 516 .00345

44 528 .00341

45 540 .00338

46 552 .00334

47 564 .00331

48 576 .00328

49 588 .00325

50 600 .00322

(6-4-74) SPECIAL PN 6-4-74 o O o

RD Instruction 440.1

Exhibit H - 5.00

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 5% BASED ON PAYMENTS BEING MADE MONTHLY

NUMBER NUMBER

OF YEARS OF MONTHS AMOUNT

1 12 .08560

2 24 .04387

3 36 .02997

4 48 .02303

5 60 .01887

6 72 .01610

7 84 .01413

8 96 .01266

9 108 .01152

10 120 .01061

11 132 .00986

12 144 .00925

13 156 .00873

14 168 .00829

15 180 .00791

16 192 .00758

17 204 .00729

18 216 .00703

19 228 .00680

20 240 .00660

21 252 .00642

22 264 .00625

23 276 .00610

24 288 .00597

25 300 .00585

26 312 .00573

27 324 .00563

28 336 .00554

29 348 .00545

30 360 .00537

31 372 .00529

32 384 .00523

33 396 .00516

34 408 .00510

35 420 .00505

(9-25-74) PN 432

RD Instruction 440.1

Exhibit H - 5.00

Page 2

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 5% BASED ON PAYMENTS BEING MADE MONTHLY

NUMBER NUMBER

OF YEARS OF MONTHS AMOUNT

36 432 .00500

37 444 .00495

38 456 .00490

39 468 .00486

40 480 .00482

41 492 .00479

42 504 .00475

43 516 .00472

44 528 .00469

45 540 .00466

46 552 .00463

47 564 .00461

48 576 .00458

49 588 .00456

50 600 .00454

Example: \$10,000 advance for 50 years.

To determine the monthly installments, multiply \$10,000 by the 50 year
factor of .00454. \$10,000 x .00454 = \$45.40. Round this amount to the
nearest dollar.

To determine the total amount of interest and principal a borrower will
pay over the life of this loan, multiply the number of months times the
monthly installment. \$45.00 x 600 = \$27,000.00.

oOo

RD Instruction 440.1

Exhibit H - 5.683

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 5.683% BASED ON PAYMENTS BEING MADE MONTHLY

NUMBER NUMBER

OF YEARS OF MONTHS AMOUNT

1 12 0.08593

2 24 0.04418

3 36 0.03028

4 48 0.02334

5 60 0.01919

6 72 0.01643

7 84 0.01446

8 96 0.01299

9 108 0.01185

10 120 0.01095

11 132 0.01021

12 144 0.00960

13 156 0.00909

14 168 0.00865

15 180 0.00827

16 192 0.00795

17 204 0.00766

18 216 0.00741

19 228 0.00719

20 240 0.00699

21 252 0.00681

22 264 0.00665

23 276 0.00651

24 288 0.00637

25 300 0.00626

26 312 0.00615

27 324 0.00605

28 336 0.00596

29 348 0.00587

30 360 0.00580

31 372 0.00573

32 384 0.00566

33 396 0.00560

34 408 0.00555

35 420 0.00550

36 432 0.00545

37 444 0.00540

38 456 0.00536

39 468 0.00532

40 480 0.00529

41 492 0.00525

42 504 0.00522

43 516 0.00519

44 528 0.00517

45 540 0.00514

46 552 0.00512

47 564 0.00510

48 576 0.00507

49 588 0.00505

50 600 0.00504

(12-22-76) PN 549 o O o

RD Instruction 440.1

Exhibit H-6.063

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 6.063% BASED ON PAYMENTS BEING MADE MONTHLY

NUMBER NUMBER

OF YEARS OF MONTHS AMOUNT

1 12 .08610

2 24 .04435

3 36 .03046

4 48 .02352

5 60 .01937

6 72 .01661

7 84 .01464

8 96 .01318

9 108 .01204

10 120 .01114

11 132 .01040

12 144 .00980

13 156 .00929

14 168 .00885

15 180 .00848

16 192 .00815

17 204 .00787

18 216 .00762

19 228 .00740

20 240 .00721

21 252 .00703

22 264 .00687

23 276 .00673

24 288 .00660

25 300 .00649

26 312 .00638

27 324 .00628

28 336 .00620

29 348 .00612

30 360 .00604

31 372 .00597

32 384 .00591

33 396 .00585

34 408 .00580

35 420 .00575

36 432 .00570

37 444 .00566

(4-12-78) PN 617

RD Instruction 440.1

Exhibit H-6.063

Page 2

NUMBER NUMBER

OF YEARS OF MONTHS AMOUNT

38 456 .00562

39 468 .00559

40 480 .00555

41 492 .00552

42 504 .00549

43 516 .00546

44 528 .00544

45 540 .00541

46 552 .00539

47 564 .00537

48 576 .00535

49 588 .00533

50 600 .00532

Example: \$10,000 advance for 50 years

To determine the monthly installments, multiple \$10,000 by the 50 year
factor of .00532. \$10,000 X .00532 = \$53.20

To determine the total amount of interest and principal a borrower will
pay over the life of this loan, multiple the number of months times the
monthly installment. \$53.20 X 600 = \$31,920.00

oOo

RD Instruction 440.1

Exhibit H-7.21

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 7.21% BASED ON PAYMENTS BEING MADE MONTHLY

NUMBER NUMBER

OF YEARS OF MONTHS AMOUNT

1 12 .08663

2 24 .04487

3 36 .03098

4 48 .02405

5 60 .01991

6 72 .01716

7 84 .01520

8 96 .01374

9 108 .01262

10 120 .01172

11 132 .01100

12 144 .01040

13 156 .00990

14 168 .00947

15 180 .00911

16 192 .00880

17 204 .00852

18 216 .00828

19 228 .00807

20 240 .00788

21 252 .00772

22 264 .00757

23 276 .00744

24 288 .00732

25 300 .00721

26 312 .00711

27 324 .00702

28 336 .00694

29 348 .00687

30 360 .00680

31 372 .00674

32 384 .00668

33 396 .00663

34 408 .00658

35 420 .00654

36 432 .00650

37 444 .00647

38 456 .00643

39 468 .00640

40 480 .00637

41 492 .00635

42 504 .00632

43 516 .00630

44 528 .00628

45 540 .00626

46 552 .00624

47 564 .00623

48 576 .00621

49 588 .00620

50 600 .00618

(12-5-79) PN 703

RD Instruction 440.1

Exhibit H-7.25

Page 1

(Renumbered 8-23-73, SPECIAL PN)

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 7¬% BASED ON PAYMENTS BEING MADE MONTHLY

NUMBER NUMBER

OF YEARS OF MONTHS AMOUNT

1 12 .08664

2 24 .04488

3 36 .03099

4 48 .02406

5 60 .01992

6 72 .01717

7 84 .01521

8 96 .01376

9 108 .01263

10 120 .01174

11 132 .01102

12 144 .01042

13 156 .00992

14 168 .00949

15 180 .00913

16 192 .00881

17 204 .00854

18 216 .00830

19 228 .00809

20 240 .00790

21 252 .00774

22 264 .00759

23 276 .00746

24 288 .00734

25 300 .00723

26 312 .00713

27 324 .00704

28 336 .00696

29 348 .00689

30 360 .00682

31 372 .00676

32 384 .00671

33 396 .00665

(8-23-73) SPECIAL PN

RD Instruction 440.1

Exhibit H-7.25

Page 2

(Renumbered 8-23-73, SPECIAL PN)

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 7¬% BASED ON PAYMENTS BEING MADE MONTHLY

NUMBER NUMBER

OF YEARS OF MONTHS AMOUNT

34 408 .00661

35 420 .00656

36 432 .00653

37 444 .00649

38 456 .00646

39 468 .00643

40 480 .00640

Example: \$10,000 advance for 33 years

To determine the monthly installments, multiply \$10,000.00 by the 33
year factor of .00665. \$10,000.00 X .00665 = \$66.50

To determine the total amount of interest and principal a borrower will
pay over the life of this loan, multiply the number of months times the
monthly installment. \$66.50 X 396 = \$26,334.00

## o O o 

RD Instruction 440.1

Exhibit H - 7.75

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 7.75% BASED ON PAYMENTS BEING MADE MONTHLY

NUMBER NUMBER

OF YEARS OF MONTHS AMOUNT

1 12 .08687

2 24 .04511

3 36 .03122

4 48 .02429

5 60 .02016

6 72 .01741

7 84 .01546

8 96 .01401

9 108 .01289

10 120 .01200

11 132 .01128

12 144 .01069

13 156 .01019

14 168 .00977

15 180 .00941

16 192 .00910

17 204 .00883

18 216 .00860

19 228 .00839

20 240 .00821

21 252 .00805

22 264 .00790

23 276 .00777

24 288 .00766

25 300 .00755

26 312 .00746

27 324 .00737

28 336 .00730

29 348 .00723

30 360 .00716

31 372 .00711

32 384 .00705

33 396 .00701

Example: \$10,000 advance for 33 years

To determine the monthly installments, multiply \$10,000 by the 33 year
factor of .00701. \$10,000 X .00701 = \$70.10

To determine the total amount of interest and principal a borrower will
pay over the life of this loan, multiply the number of months times the
monthly installment. \$70.10 X 396 = \$27,759.60

(8-23-73) SPECIAL PN 8-23-73

RD Instruction 440.1

Exhibit H-8.25

Page 1

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 8 1/4% BASED ON PAYMENTS BEING MADE MONTHLY

NUMBER NUMBER

OF YEARS OF MONTHS AMOUNT

1 12 .08709

2 24 .04534

3 36 .03145

4 48 .02453

5 60 .02039

6 72 .01765

7 84 .01571

8 96 .01426

9 108 .01315

10 120 .01226

11 132 .01155

12 144 .01096

13 156 .01047

14 168 .01005

15 180 .00970

16 192 .00940

17 204 .00913

18 216 .00890

19 228 .00870

20 240 .00852

21 252 .00836

22 264 .00822

23 276 .00810

24 288 .00798

25 300 .00788

26 312 .00779

27 324 .00771

28 336 .00764

29 348 .00757

30 360 .00751

31 372 .00746

32 384 .00741

33 396 .00736

34 408 .00732

35 420 .00728

36 432 .00725

37 444 .00722

38 456 .00719

39 468 .00717

40 480 .00714

41 492 .00712

42 504 .00710

43 516 .00708

44 528 .00706

45 540 .00705

46 552 .00704

47 564 .00702

48 576 .00701

49 588 .00700

50 600 .00699

(2-1-74) SPECIAL PN 2-1-74

RD Instruction 440.1

Exhibit H-8.25

Page 2

Example: \$10,000 advance for 33 years

To determine the monthly installments, multiply \$10,000 by the 33 year
factor of .00736. \$10,000 X .00736 = \$73.60. Round this amount to the
nearest dollar.

To determine the total amount of interest and principal a borrower will
pay over the life of this loan, multiply the number of months times the
monthly installment. \$74.00 X 396 = \$29,304.00.

## o O o 

RD Instruction 440.1

Exhibit H-8.50

Page 1

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 8.50% BASED ON PAYMENTS BEING MADE MONTHLY

NUMBER NUMBER

[OF YEARS]{.underline} [OF MONTHS]{.underline} [AMOUNT]{.underline}

1 12 0.08721

2 24 0.04545

3 36 0.03156

4 48 0.02465

5 60 0.02051

6 72 0.01778

7 84 0.01583

8 96 0.01439

9 108 0.01328

10 120 0.01240

11 132 0.01169

12 144 0.01110

13 156 0.01061

14 168 0.01020

15 180 0.00985

16 192 0.00954

17 204 0.00928

18 216 0.00905

19 228 0.00885

20 240 0.00868

21 252 0.00852

22 264 0.00838

23 276 0.00826

24 288 0.00815

25 300 0.00805

26 312 0.00796

27 324 0.00788

28 336 0.00781

29 348 0.00775

30 360 0.00769

31 372 0.00764

32 384 0.00759

33 396 0.00754

34 408 0.00750

35 420 0.00747

36 432 0.00744

37 444 0.00741

38 456 0.00738

39 468 0.00735

40 480 0.00733

41 492 0.00731

42 504 0.00729

43 516 0.00727

44 528 0.00726

45 540 0.00724

46 552 0.00723

47 564 0.00722

48 576 0.00721

49 588 0.00720

50 600 0.00719

(9-25-73) SPECIAL PN 9-25-73

RD Instruction 440.1

Exhibit H-8.50

Page 2

Example: \$10,000 advance for 33 years

To determine the monthly installments, multiply \$10,000 by the 33 year
factor of .00754. \$10,000 X .00754 = \$75.40. Round this amount to the
nearest dollar.

To determine the total amount of interest and principal a borrower will
pay over the life of this loan, multiply the number of months times the
monthly installment. \$75.00 X 396 = \$29,700.00.

## o O o 

RD Instruction 440.1

Exhibit H-8.75

Page 1

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 8 3/4% BASED ON PAYMENTS BEING MADE MONTHLY

NUMBER NUMBER

OF YEARS OF MONTHS AMOUNT

1 12 .08733

2 24 .04557

3 36 .03168

4 48 .02476

5 60 .02064

6 72 .01790

7 84 .01596

8 96 .01452

9 108 .01341

10 120 .01253

11 132 .01182

12 144 .01124

13 156 .01075

14 168 .01034

15 180 .09999

16 192 .00969

17 204 .00943

18 216 .00921

19 228 .00901

20 240 .00884

21 252 .00868

22 264 .00855

23 276 .00843

24 288 .00832

25 300 .00822

26 312 .00813

27 324 .00806

28 336 .00799

29 348 .00792

30 360 .00787

31 372 .00782

32 384 .00777

33 396 .00773

34 408 .00769

35 420 .00765

36 432 .00762

37 444 .00759

38 456 .00757

39 468 .00754

40 480 .00752

41 492 .00750

42 504 .00748

43 516 .00747

44 528 .00745

45 540 .00744

46 552 .00743

47 564 .00742

48 576 .00740

49 588 .00740

50 600 .00739

(2-1-74) SPECIAL PN 2-1-74

RD Instruction 440.1

Exhibit H-8.75

Page 2

Example: \$10,000 advance for 33 years

To determine the monthly installments, multiply \$10,000 by the 33 year
factor of .00773. \$10,000 X .00773 = \$77.30. Round this amount to the
nearest dollar.

To determine the total amount of interest and principal a borrower will
pay over the life of this loan, multiply the number of months times the
monthly installment. \$77.00 X 396 = \$30,492.00.

## o O o 

RD Instruction 440.1

Exhibit H-8.125

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 8.1250% BASED ON PAYMENTS BEING MADE MONTHLY

NUMBER NUMBER AMOUNT

OF YEARS OF MONTHS

1 12 0.08704

2 24 0.04528

3 36 0.03139

4 48 0.02447

5 60 0.02034

6 72 0.01759

7 84 0.01565

8 96 0.01420

9 108 0.01308

10 120 0.01220

11 132 0.01148

12 144 0.01089

13 156 0.01040

14 168 0.00998

15 180 0.00963

16 192 0.00932

17 204 0.00906

18 216 0.00883

19 228 0.00862

20 240 0.00844

21 252 0.00828

22 264 0.00814

23 276 0.00802

24 288 0.00790

25 300 0.00780

26 312 0.00771

27 324 0.00763

28 336 0.00755

29 348 0.00749

30 360 0.00742

31 372 0.00737

32 384 0.00732

33 396 0.00727

34 408 0.00723

35 420 0.00719

36 432 0.00716

37 444 0.00713

38 456 0.00710

39 468 0.00707

40 480 0.00705

41 492 0.00702

42 504 0.00700

43 516 0.00699

44 528 0.00697

45 540 0.00695

46 552 0.00694

47 564 0.00692

48 576 0.00691

49 588 0.00690

50 600 0.00689

(3-4-75) SPECIAL PN 3-4-75

RD Instruction 440.1

Exhibit H-8.605

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 8.605% BASED ON PAYMENTS BEING MADE MONTHLY

NUMBER NUMBER

OF YEARS OF MONTHS AMOUNT

1 12 0.08727

2 24 0.04551

3 36 0.03162

4 48 0.02470

5 60 0.02057

6 72 0.01784

7 84 0.01589

8 96 0.01445

9 108 0.01334

10 120 0.01246

11 132 0.01175

12 144 0.01116

13 156 0.01068

14 168 0.01026

15 180 0.00991

16 192 0.00961

17 204 0.00935

18 216 0.00912

19 228 0.00893

20 240 0.00875

21 252 0.00859

22 264 0.00846

23 276 0.00834

24 288 0.00823

25 300 0.00813

26 312 0.00804

27 324 0.00796

28 336 0.00789

29 348 0.00783

30 360 0.00777

31 372 0.00772

32 384 0.00767

33 396 0.00763

34 408 0.00759

35 420 0.00755

36 432 0.00752

37 444 0.00749

38 456 0.00746

39 468 0.00744

40 480 0.00742

41 492 0.00740

42 504 0.00738

43 516 0.00736

44 528 0.00734

45 540 0.00733

46 552 0.00732

47 564 0.00731

48 576 0.00729

49 588 0.00728

50 600 0.00728

oOo

(11-26-80) PN 754

RD Instruction 440.1

Exhibit H-9.00

Page 1

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND

INTEREST AT 9% BASED ON PAYMENTS BEING MADE MONTHLY

NUMBER NUMBER

OF YEARS OF MONTHS AMOUNT

1 12 .08744

2 24 .04568

3 36 .03180

4 48 .02488

5 60 .02076

6 72 .01802

7 84 .01609

8 96 .01465

9 108 .01354

10 120 .01267

11 132 .01196

12 144 .01138

13 156 .01090

14 168 .01049

15 180 .01014

16 192 .00984

17 204 .00959

18 216 .00936

19 228 .00917

20 240 .00900

21 252 .00885

22 264 .00871

23 276 .00859

24 288 .00849

25 300 .00839

26 312 .00839

27 324 .00823

28 336 .00816

29 348 .00810

30 360 .00805

31 372 .00800

32 384 .00795

33 396 .00791

(9-21-73) SPECIAL PN 9-21-73

RD Instruction 440.1

Exhibit H-9.00

Page 2

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND

INTEREST AT 9% BASED ON PAYMENTS BEING MADE MONTHLY

NUMBER NUMBER

OF YEARS OF MONTHS AMOUNT

34 408 .00787

35 420 .00784

36 432 .00781

37 444 .00778

38 456 .00776

39 468 .00773

40 480 .00771

41 492 .00769

42 504 .00768

43 516 .00766

44 528 .00765

45 540 .00763

46 552 .00762

47 564 .00761

48 576 .00760

49 588 .00759

50 600 .00759

## o O o 

RD Instruction 440.1

Exhibit H-9.25

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 9.25% BASED ON PAYMENTS BEING MADE MONTHLY

NUMBER NUMBER

OF YEARS OF MONTHS AMOUNT

1 12 .08756

2 24 .04579

3 36 .03191

4 48 .02500

5 60 .02088

6 72 .01815

7 84 .01621

8 96 .01478

9 108 .01367

10 120 .01280

11 132 .01210

12 144 .01152

13 156 .01104

14 168 .01064

15 180 .01029

16 192 .01000

17 204 .00974

18 216 .00952

19 228 .00933

20 240 .00916

21 252 .00901

22 264 .00888

23 276 .00876

24 288 .00866

25 300 .00856

26 312 .00848

27 324 .00841

28 336 .00834

29 348 .00828

30 360 .00823

31 372 .00818

32 384 .00813

33 396 .00809

34 408 .00806

35 420 .00803

36 432 .00800

37 444 .00797

38 456 .00795

39 468 .00793

40 480 .00791

41 492 .00789

42 504 .00787

43 516 .00786

44 528 .00784

45 540 .00783

46 552 .00782

47 564 .00781

48 576 .00780

49 588 .00779

50 600 .00779

(5-10-74) SPECIAL PN 5-10-74 o O o

RD Instruction 440.1

Exhibit H-9.50

Page 1

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 9.5% BASED ON PAYMENTS BEING MADE MONTHLY

NUMBER NUMBER

OF YEARS OF MONTHS AMOUNT

1 12 .08768

2 24 .04591

3 36 .03203

4 48 .02512

5 60 .02100

6 72 .01827

7 84 .01634

8 96 .01491

9 108 .01381

10 120 .01294

11 132 .01224

12 144 .01166

13 156 .01119

14 168 .01078

15 180 .01044

16 192 .01015

17 204 .00990

18 216 .00968

19 228 .00949

20 240 .00932

21 252 .00917

22 264 .00904

23 276 .00893

24 288 .00883

25 300 .00874

26 312 .00866

27 324 .00858

28 336 .00852

29 348 .00846

30 360 .00841

31 372 .00836

32 384 .00832

33 396 .00828

34 408 .00825

35 420 .00822

36 432 .00819

37 444 .00816

38 456 .00814

39 468 .00812

40 480 .00810

41 492 .00808

42 504 .00807

43 516 .00805

44 528 .00804

45 540 .00803

46 552 .00802

47 564 .00801

48 576 .00800

49 588 .00799

50 600 .00799

(7-17-74) SPECIAL PN

RD Instruction 440.1

Exhibit H-9.50

Page 2

Example: \$10,000 advance for 33 years.

To determine the monthly instalments, multiply \$10,000 by the 33-year
factor of. 00828. \$10,000 X .00828 = \$82.80. Round this amount to the
nearest dollar.

To determine the total amount of interest and principal a borrower will
pay over the life of this loan, multiply the number of months times the
monthly installment. \$83.00 X 396 = \$32,868.00.

## o O o 

RD Instruction 440.1

Exhibit H-10.00

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 10% BASED ON PAYMENTS BEING MADE MONTHLY

NUMBER NUMBER

OF YEARS OF MONTHS AMOUNT

1 12 0.08791

2 24 0.04614

3 36 0.03226

4 48 0.02536

5 60 0.02125

6 72 0.01852

7 84 0.01660

8 96 0.01517

9 108 0.01408

10 120 0.01321

11 132 0.01252

12 144 0.01195

13 156 0.01148

14 168 0.01108

15 180 0.01075

16 192 0.01046

17 204 0.01021

18 216 0.01000

19 228 0.00981

20 240 0.00965

21 252 0.00951

22 264 0.00938

23 276 0.00927

24 288 0.00917

25 300 0.00909

26 312 0.00901

27 324 0.00894

28 336 0.00888

29 348 0.00882

30 360 0.00878

31 372 0.00873

32 384 0.00869

33 396 0.00866

34 408 0.00862

35 420 0.00860

36 432 0.00857

37 444 0.00855

38 456 0.00853

39 468 0.00851

40 480 0.00849

41 492 0.00848

42 504 0.00846

43 516 0.00845

44 528 0.00844

45 540 0.00843

46 552 0.00842

47 564 0.00841

48 576 0.00840

49 588 0.00840

50 600 0.00839

## oOo

(9-11-74) PN 430

RD Instruction 440.1

Exhibit H-11.00

PERIODIC PAYMENT REQUIRED TO AMORTIZE \$1.00 AND INTEREST

AT 11% BASED ON PAYMENTS BEING MADE MONTHLY

NUMBER NUMBER

OF YEARS OF MONTHS AMOUNT

1 12 0.08838

2 24 0.04661

3 36 0.03274

4 48 0.02585

5 60 0.02174

6 72 0.01903

7 84 0.01714

8 96 0.01571

9 108 0.01463

10 120 0.01378

11 132 0.01309

12 144 0.01254

13 156 0.01208

14 168 0.01169

15 180 0.01137

16 192 0.01109

17 204 0.01085

18 216 0.01065

19 228 0.01047

20 240 0.01032

21 252 0.01019

22 264 0.01007

23 276 0.00997

24 288 0.00988

25 300 0.00980

26 312 0.00973

27 324 0.00967

28 336 0.00962

29 348 0.00957

30 360 0.00952

31 372 0.00949

32 384 0.00945

33 396 0.00942

34 408 0.00939

35 420 0.00937

36 432 0.00935

37 444 0.00933

38 456 0.00931

39 468 0.00930

40 480 0.00928

41 492 0.00927

42 504 0.00926

43 516 0.00925

44 528 0.00924

45 540 0.00923

46 552 0.00923

47 564 0.00922

48 576 0.00922

49 588 0.00921

50 600 0.00921

(9-11-74) PN 430 o O o

RD Instruction 440.1

Exhibit I-5.00

INTEREST COMPUTATION TABLE FOR 5%

[PRINCIPAL]{.underline} [INTEREST]{.underline}

[ANNUAL]{.underline} [30-DAY]{.underline} [DAILY]{.underline}

\$ 100 5.00 .4110 .0137

200 10.00 .8220 .0274

300 15.00 1.2329 .0411

400 20.00 1.6438 .0548

500 25.00 2.0548 .0685

600 30.00 2.4657 .0822

700 35.00 2.8767 .0959

800 40.00 3.2877 .1096

900 45.00 3.6986 .1233

1,000 50.00 4.1096 .1370

2,000 100.00 8.2192 .2740

3,000 150.00 12.3287 .4110

4,000 200.00 16.4383 .5479

5,000 250.00 20.5479 .6849

6,000 300.00 24.6575 .8219

7,000 350.00 28.7671 .9589

8,000 400.00 32.8766 1.0959

9,000 450.00 36.9862 1.2329

10,000 500.00 41.0958 1.3699

20,000 1000.00 82.1916 2.7397

30,000 1500.00 123.2874 4.1096

40,000 2000.00 164.3832 5.4794

50,000 2500.00 205.4790 6.8493

100,000 5000.00 410.9580 13.6986

## oOo

(4-6-77) PN 564

RD Instruction 440.1

Exhibit I-8.00

INTEREST COMPUTATION TABLE FOR 8%

[PRINCIPAL]{.underline} [INTEREST]{.underline}

[ANNUAL]{.underline} [30-DAY]{.underline} [DAILY]{.underline}

\$ 100 8.00 .6575 .0219

200 16.00 1.3151 .0438

300 24.00 1.9726 .0658

400 32.00 2.6301 .0877

500 40.00 3.2877 .1096

600 48.00 3.9452 .1315

700 56.00 4.6027 .1534

800 64.00 5.2603 .1753

900 72.00 5.9178 .1973

1,000 80.00 6.5753 .2192

2,000 160.00 13.1507 .4384

3,000 240.00 19.7260 .6575

4,000 320.00 26.3014 .8767

5,000 400.00 32.8767 1.0959

6,000 480.00 39.4520 1.3151

7,000 560.00 46.0274 1.5342

8,000 640.00 52.6027 1.7534

9,000 720.00 59.1781 1.9726

10,000 800.00 65.7534 2.1918

20,000 1600.00 131.5068 4.3836

30,000 2400.00 197.2602 6.5753

40,000 3200.00 263.0136 8.7671

50,000 4000.00 328.7670 10.9589

100,000 8000.00 657.5340 21.9178

## o O o

(4-6-77) PN 564

RD Instruction 440.1

Exhibit I-8.50

(Revised 4-27-77, PN 567)

INTEREST COMPUTATION TABLE FOR OPERATING LOANS AT 8 1/1%

PRINCIPAL INTEREST

[ANNUAL]{.underline} [30 - DAY]{.underline} [DAILY]{.underline}

\$ 100 8.50 .6986 .0233

200 17.00 1.3973 .0466

300 25.50 2.0959 .0699

400 34.00 2.7945 .0932

500 42.50 3.4931 .1164

600 51.00 4.1918 .1397

700 59.50 4.8904 .1630

800 68.00 5.5890 .1863

900 76.50 6.2877 .2096

1,000 85.00 6.9863 .2329

2,000 170.00 13.9726 .4658

3,000 255.00 20.9580 .6986

4,000 340.00 27.9452 .9315

5,000 425.00 34.9315 1.1644

6,000 510.00 41.9178 1.3973

7,000 595.00 48.9041 1.6301

8,000 680.00 55.8904 1.8630

9,000 765.00 62.8767 2.0959

10,000 850.00 69.8630 2.3288

20,000 1700.00 139.7260 4.6575

30,000 2550.00 209.5890 6.9863

40,000 3400.00 279.4521 9.3151

50,000 4250.00 349.3150 11.6438

## o O o

(4-27-77) PN 567

RD Instruction 440.1

Exhibit J

## DEFINITION OF PRIME OR UNIQUE FARMLAND

Where the terms \"prime farmland\" or \"unique farmland\" appear in this
Instruction, including Exhibits and footnotes, the following definitions
apply:

\(a\) [Prime farmlands]{.underline}:

\(1\) General. Prime farmland is land that has the best combination of
physical and chemical characteristics for producing food, feed, forage,
fiber, and oilseed crops, and is also available for these uses (the land
could be cropland, pastureland, rangeland, forest land, or other land,
but not urban built-up land or water). It has the soil quality, growing
season, and moisture supply needed to economically produce sustained
high yields of crops when treated and managed, including water
management, according to acceptable farming methods. In general, prime
farmlands have an adequate and dependable water supply from
precipitation or irrigation, a favorable temperature and growing season,
acceptable acidity or alkalinity, acceptable salt and sodium content,
and a few or no rocks. They are permeable to water and air. Prime
farmlands are not excessively erodible or saturated with water for a
long period of time, and they either do not flood frequently or are
protected from flooding. Examples of soils that qualify as prime
farmland are Palouse silt loam, 0 to 7 percent slopes; Brookston silty
clay loam, drained; and Tama silty clay loam, 0 to 5 percent slopes.

\(2\) Specific criteria. Prime farmlands meet all the following
criteria: Terms used in this section are defined in USDA publications:
\"Soil Taxonomy, Agriculture Handbook 436\"; \"Soil Survey Manual,
Agriculture Handbook 18\"; \"Rainfall-erosion Losses from Cropland,
Agriculture Handbook 282\"; \"Wind Erosion Forces in the United States
and Their Use in Predicting Soil Loss, Agriculture Handbook 346\"; and
\"Saline and Alkali Soils, Agriculture Handbook 60.\"

\(i\) The soils have:

\(A\) Aquic, udic, ustic, or xeric moisture regimes and sufficient
available water capacity within a depth of 40 inches (1 meter), or in
the root zone (root zone is the part of the soil that is penetrated or
can be penetrated by plant roots) if the root zone is less than 40
inches deep, to produce the commonly grown cultivated crops (cultivated
crops include, but are not limited to, grain, forage, fiber, oilseed,
sugar beets, sugarcane, vegetables, tobacco, orchard, vineyard, and bush
fruit crops) adapted to the region in 7 or more years out of 10; or

(10-2-81) SPECIAL PN

RD Instruction 440.1

Exhibit J

Page 2

\(B\) Xeric or ustic moisture regimes in which the available water
capacity is limited, but the area has a developed irrigation water
supply that is dependable (a dependable water supply is one in which
enough water is available for irrigation in 8 out of 10 years for the
crops commonly grown) and of adequate quality; or

\(C\) Aridic or torric moisture regimes and the area has a developed
irrigation water supply that is dependable and of adequate quality; and

\(ii\) The soils have a temperature regime that is frigid, mesic,
thermic, or hyper thermic (pergelic and cryic regimes are excluded).
These are soils that, at a depth of 20 inches (50 cm), have a mean
annual temperature higher than 32ø F (0ø C). In addition, the mean
summer temperature at this depth in soils with an 0 horizon is higher
than 47ø F (8ø C); in soils that have no 0 horizon, the mean summer
temperature is higher than 59ø F (15ø C); and

\(iii\) The soils have a pH between 4.5 and 8.4 in all horizons within a
depth of 40 inches (1 meter) or in the root zone if the root zone is
less than 40 inches deep; and,

\(iv\) The soils either have no water table or have a water table that
is maintained at a sufficient depth during the cropping season to allow
cultivated crops common to the area to be grown; and,

\(v\) The soils can be managed so that, in all horizons within a depth
of 40 inches (1 meter) or in the root zone if the root zone is less than
40 inches deep, during part of each year the conductivity of the
saturation extract is less than 4 mmhos/cm and the exchangeable sodium
percentage (ESP) is less than 15; and,

\(vi\) The soils are not flooded frequently during the growing season
(less often than once in 2 years); and,

\(vii\) The product of K (erodibility factor) x percent slope is less
than 2.0, and the product of I (soils erodibility) x C (climatic factor)
does not exceed 60; and,

\(viii\) The soils have a permeability rate of at least 0.06 inch (0.15
cm) per hour in the upper 20 inches (50 cm) and the mean annual soil
temperature at a depth of 20 inches (50 cm) is less

RD Instruction 440.1

Exhibit J

Page 3

than 59ø F (15ø C); the permeability rate is not a limiting factor if
the mean annual soil temperature is 59ø F (15ø C) or higher; and,

\(ix\) Less than 10 percent of the surface layer (upper 6 inches in
these soils consist of rock fragments coarser than 3 inches (7.6 cm).

\(b\) [Unique farmland]{.underline}.

\(1\) General. Unique farmland is land other than prime farmland that is
used for the production of specific high value food and fiber crops. It
has the special combination of soil quality, location, growing season,
and moisture supply needed to economically produce sustained high
quality and/or high yields of a specific crop when treated and managed
according to acceptable farming methods. Examples of such crops are
citrus, tree nuts, olives, cranberries, fruit, and vegetables.

\(2\) Specific Characteristics of unique farmland. (i) Is used for a
specific high-value food or fiber crop; (ii) Has a moisture supply that
is adequate for the specific crop; the supply is from stored moisture,
precipitation, or a developed irrigation system; (iii) Combines
favorable factors of soil quality, growing season, temperature,
humidity, air drainage, elevation, aspect, or other conditions, such a
nearness to market, that favors the growth of a specific food or fiber
crop.

## oOo

(10-2-81) SPECIAL PN

RD Instruction 440.1

Exhibit K

## FEES FOR GUARANTEED LOANS

[COMMUNITY AND BUSINESS PROGRAMS]{.underline}

Water and Waste Disposal 1%

Community Facilities 1%

Business and Industry 2%

Drought and Disaster 1%

Disaster Assistance for Rural Business Enterprises 1%

Business and Industry Disaster Loans 1%

[FARMER PROGRAMS]{.underline}

Interest Assistance Program Guarantees 0%

(RD Instruction 1980-B, Exhibit D)

Non-Interest Assistance Guarantees - If the 0%

majority of the loans funds for the purpose

of refinancing Rural Development

Direct Loan Debt

Beginning Farmer Special Operating Loan Assistance 0%

Beginning Farmer Downpayment Farm Ownership 0%

Any State Beginning Farmer Program 0%

Agricultural Resource Conservation 1%

Demonstration Program (RD Instruction 1980-J)

For All Other Purposes 1%

[SINGLE FAMILY HOUSING PROGRAMS]{.underline}

New section 502 Guaranteed loan .0166666

Refinance of existing section 502 Guaranteed loan or Direct loan
.0055556

## oOo

(11-27-02) PN 353

RD Instruction 440.1

Exhibit L

Page 1

Effective Dates and Interest Rates for

90-Day Treasury Bill

## oOo

(01-09-08) PN 417