% Change in year 1	Monthly Capped % Change	% Change in year 2	Monthly Capped % Change
January	2.000		1.82
February	(0.980)		(5.36)
March	0.990		(1.42)
April	0.980		2.87
May	0.971		2.33
June	0.962		(2.27)
July	1.905		(3.26)
August	(1.869)		(1.92)
September	2.857		2.94
October	(0.926)		(2.86)
November	0.935		(0.98)
December	2.778		-
Total Change
Interest Credited
Beginning Balance	$ 100,000
Balance at end of year