RURAL UTILITIES SERVICE
                             Water and Waste 
                     Poverty Line and Interest Rates
                  as referred to in RUS Instruction 1780
                          Last updated 01/02/04

                  Poverty Line                 Interest Rate
         --------------------------    -------------------------------
 Dates   All Other  Alaska   Hawaii    Poverty   Intermediate   Market
======================================================================
01/01/90				5.000	    6.000	7.000
02/26/90  $12,700  						
04/01/90				5.000	    6.000	7.125
07/01/90				5.000	    6.000	7.125
10/01/90				5.000	    6.125	7.250
01/01/91  				5.000	    6.000	7.000
03/14/91  $13,400
04/01/91				5.000	    5.875	6.750
07/01/91				5.000	    5.875	6.875
10/01/91				5.000	    5.875	6.750
01/01/92				5.000	    5.750	6.625
03/20/92  $13,950			
04/01/92				5.000	    5.750	6.625
07/01/92				5.000	    5.625	6.375
10/01/92				5.000	    5.500	6.125
01/01/93				5.000	    5.625	6.250
03/12/93  $14,350			
04/01/93				5.000	    5.250	5.625
07/01/93				5.000	    5.250	5.625
10/01/93				5.000	    5.125	5.250
01/01/04				5.000	    5.125	5.375
03/18/94  $14,800			
04/01/94				4.500	    5.000	5.500
07/01/94				4.500	    5.250	6.125
10/01/94				4.500	    5.250	6.125
01/01/95  				4.500	    5.625	6.875
03/20/95  $15,150
04/01/95				4.500	    5.250	6.000
07/01/95				4.500	    5.125	5.750
10/01/95				4.500	    5.250	6.000
01/01/96				4.500	    5.000	5.500
03/14/96  $15,600
04/01/96				4.500	    4.875	5.375
07/01/96				4.500	    5.125	5.875
10/01/96				4.500	    5.125	5.750
01/01/97				4.500	    5.000	5.500
04/01/97  $16,050   $20,700  $18,460	4.500	    5.000	5.500
07/01/97				4.500	    5.000	5.500
10/01/97				4.500  	    4.875	5.375
01/01/98  				4.500	    4.875	5.250
04/01/98  $16,450   $20,570  $18,920	4.500	    4.750	5.125
07/01/98				4.500	    4.750	5.125
10/01/98				4.500	    4.750	5.000
01/01/99                                4.500       4.750       5.000 
04/01/99                                4.500       4.750       5.000
04/16/99  $16,700  $20,880  $19,210
07/01/99                                4.500       4.750       5.125
10/01/99                                3.250       4.375       5.500
01/01/00                                4.500       5.125       5.750
04/01/00                                4.500       5.125       5.875
04/15/00  $17,050  $21,320  $19,610
07/01/00                                4.500       5.125       5.875
10/01/00                                4.500       5.000       5.500
01/01/01                                4.500       5.000       5.500
04/01/01                                4.500       4.750       5.125
04/15/01  $17,650  $22,070  $20,300
07/01/01                                4.500       4.875       5.250
10/01/01                                4.500       4.750       5.000
01/01/02                                4.500       4.750       5.125
04/01/02  $18,100  $22,630  $20,820	4.500	    4.750       5.000
07/01/02				4.500	    4.750       5.125
10/01/02				4.500	    4.625	4.875
01/01/03				4.500	    4.625	4.875
04/01/03  $18,400  $23,000  $21,160	4.500	    4.500	4.625
07/01/03				4.500	    4.375	4.250
10/01/03				4.500	    4.750	5.000	
01/02/04				4.500	    4.500	4.625