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IBRD loans are subject to different maturity premiums based on income and other factors. Countries are classified into one of four pricing groups: A, B, C, or D.

Borrowers should use the drop-down menu below to identify the Pricing Group in which their country is classified and their applicable spread.

Current IBRD Flexible Loan Rates

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.24 %	SOFR + 1.44 %	SOFR + 1.64 %	SOFR + 1.84 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.81 %	EURIBOR + 1.01 %	EURIBOR + 1.21 %	EURIBOR + 1.41 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.60 %	TONA + 0.80 %	TONA + 1.00 %	TONA + 1.20 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.24 %	SONIA + 1.44 %	SONIA + 1.64 %	SONIA + 1.84 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.24 %	SOFR + 1.44 %	SOFR + 1.64 %	SOFR + 1.84 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.81 %	EURIBOR + 1.01 %	EURIBOR + 1.21 %	EURIBOR + 1.41 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.60 %	TONA + 0.80 %	TONA + 1.00 %	TONA + 1.20 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.24 %	SONIA + 1.44 %	SONIA + 1.64 %	SONIA + 1.84 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.24 %	SOFR + 1.44 %	SOFR + 1.64 %	SOFR + 1.84 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.81 %	EURIBOR + 1.01 %	EURIBOR + 1.21 %	EURIBOR + 1.41 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.60 %	TONA + 0.80 %	TONA + 1.00 %	TONA + 1.20 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.24 %	SONIA + 1.44 %	SONIA + 1.64 %	SONIA + 1.84 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.99 %	SOFR + 1.09 %	SOFR + 1.34 %	SOFR + 1.59 %	SOFR + 1.84 %	SOFR + 2.09 %
EUR	EURIBOR + 0.56 %	EURIBOR + 0.66 %	EURIBOR + 0.91 %	EURIBOR + 1.16 %	EURIBOR + 1.41 %	EURIBOR + 1.66 %
JPY	TONA + 0.35 %	TONA + 0.45 %	TONA + 0.70 %	TONA + 0.95 %	TONA + 1.20 %	TONA + 1.45 %
GBP	SONIA + 0.99 %	SONIA + 1.09 %	SONIA + 1.34 %	SONIA + 1.59 %	SONIA + 1.84 %	SONIA + 2.09 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.24 %	SOFR + 1.44 %	SOFR + 1.64 %	SOFR + 1.84 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.81 %	EURIBOR + 1.01 %	EURIBOR + 1.21 %	EURIBOR + 1.41 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.60 %	TONA + 0.80 %	TONA + 1.00 %	TONA + 1.20 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.24 %	SONIA + 1.44 %	SONIA + 1.64 %	SONIA + 1.84 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.24 %	SOFR + 1.44 %	SOFR + 1.64 %	SOFR + 1.84 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.81 %	EURIBOR + 1.01 %	EURIBOR + 1.21 %	EURIBOR + 1.41 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.60 %	TONA + 0.80 %	TONA + 1.00 %	TONA + 1.20 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.24 %	SONIA + 1.44 %	SONIA + 1.64 %	SONIA + 1.84 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.99 %	SOFR + 1.09 %	SOFR + 1.34 %	SOFR + 1.59 %	SOFR + 1.84 %	SOFR + 2.09 %
EUR	EURIBOR + 0.56 %	EURIBOR + 0.66 %	EURIBOR + 0.91 %	EURIBOR + 1.16 %	EURIBOR + 1.41 %	EURIBOR + 1.66 %
JPY	TONA + 0.35 %	TONA + 0.45 %	TONA + 0.70 %	TONA + 0.95 %	TONA + 1.20 %	TONA + 1.45 %
GBP	SONIA + 0.99 %	SONIA + 1.09 %	SONIA + 1.34 %	SONIA + 1.59 %	SONIA + 1.84 %	SONIA + 2.09 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.24 %	SOFR + 1.44 %	SOFR + 1.64 %	SOFR + 1.84 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.81 %	EURIBOR + 1.01 %	EURIBOR + 1.21 %	EURIBOR + 1.41 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.60 %	TONA + 0.80 %	TONA + 1.00 %	TONA + 1.20 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.24 %	SONIA + 1.44 %	SONIA + 1.64 %	SONIA + 1.84 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.24 %	SOFR + 1.44 %	SOFR + 1.64 %	SOFR + 1.84 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.81 %	EURIBOR + 1.01 %	EURIBOR + 1.21 %	EURIBOR + 1.41 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.60 %	TONA + 0.80 %	TONA + 1.00 %	TONA + 1.20 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.24 %	SONIA + 1.44 %	SONIA + 1.64 %	SONIA + 1.84 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.24 %	SOFR + 1.44 %	SOFR + 1.64 %	SOFR + 1.84 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.81 %	EURIBOR + 1.01 %	EURIBOR + 1.21 %	EURIBOR + 1.41 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.60 %	TONA + 0.80 %	TONA + 1.00 %	TONA + 1.20 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.24 %	SONIA + 1.44 %	SONIA + 1.64 %	SONIA + 1.84 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.24 %	SOFR + 1.44 %	SOFR + 1.64 %	SOFR + 1.84 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.81 %	EURIBOR + 1.01 %	EURIBOR + 1.21 %	EURIBOR + 1.41 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.60 %	TONA + 0.80 %	TONA + 1.00 %	TONA + 1.20 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.24 %	SONIA + 1.44 %	SONIA + 1.64 %	SONIA + 1.84 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.99 %	SOFR + 1.09 %	SOFR + 1.34 %	SOFR + 1.59 %	SOFR + 1.84 %	SOFR + 2.09 %
EUR	EURIBOR + 0.56 %	EURIBOR + 0.66 %	EURIBOR + 0.91 %	EURIBOR + 1.16 %	EURIBOR + 1.41 %	EURIBOR + 1.66 %
JPY	TONA + 0.35 %	TONA + 0.45 %	TONA + 0.70 %	TONA + 0.95 %	TONA + 1.20 %	TONA + 1.45 %
GBP	SONIA + 0.99 %	SONIA + 1.09 %	SONIA + 1.34 %	SONIA + 1.59 %	SONIA + 1.84 %	SONIA + 2.09 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.99 %	SOFR + 1.09 %	SOFR + 1.34 %	SOFR + 1.59 %	SOFR + 1.84 %	SOFR + 2.09 %
EUR	EURIBOR + 0.56 %	EURIBOR + 0.66 %	EURIBOR + 0.91 %	EURIBOR + 1.16 %	EURIBOR + 1.41 %	EURIBOR + 1.66 %
JPY	TONA + 0.35 %	TONA + 0.45 %	TONA + 0.70 %	TONA + 0.95 %	TONA + 1.20 %	TONA + 1.45 %
GBP	SONIA + 0.99 %	SONIA + 1.09 %	SONIA + 1.34 %	SONIA + 1.59 %	SONIA + 1.84 %	SONIA + 2.09 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.99 %	SOFR + 1.09 %	SOFR + 1.34 %	SOFR + 1.59 %	SOFR + 1.84 %	SOFR + 2.09 %
EUR	EURIBOR + 0.56 %	EURIBOR + 0.66 %	EURIBOR + 0.91 %	EURIBOR + 1.16 %	EURIBOR + 1.41 %	EURIBOR + 1.66 %
JPY	TONA + 0.35 %	TONA + 0.45 %	TONA + 0.70 %	TONA + 0.95 %	TONA + 1.20 %	TONA + 1.45 %
GBP	SONIA + 0.99 %	SONIA + 1.09 %	SONIA + 1.34 %	SONIA + 1.59 %	SONIA + 1.84 %	SONIA + 2.09 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.24 %	SOFR + 1.44 %	SOFR + 1.64 %	SOFR + 1.84 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.81 %	EURIBOR + 1.01 %	EURIBOR + 1.21 %	EURIBOR + 1.41 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.60 %	TONA + 0.80 %	TONA + 1.00 %	TONA + 1.20 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.24 %	SONIA + 1.44 %	SONIA + 1.64 %	SONIA + 1.84 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.24 %	SOFR + 1.44 %	SOFR + 1.64 %	SOFR + 1.84 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.81 %	EURIBOR + 1.01 %	EURIBOR + 1.21 %	EURIBOR + 1.41 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.60 %	TONA + 0.80 %	TONA + 1.00 %	TONA + 1.20 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.24 %	SONIA + 1.44 %	SONIA + 1.64 %	SONIA + 1.84 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.99 %	SOFR + 1.09 %	SOFR + 1.34 %	SOFR + 1.59 %	SOFR + 1.84 %	SOFR + 2.09 %
EUR	EURIBOR + 0.56 %	EURIBOR + 0.66 %	EURIBOR + 0.91 %	EURIBOR + 1.16 %	EURIBOR + 1.41 %	EURIBOR + 1.66 %
JPY	TONA + 0.35 %	TONA + 0.45 %	TONA + 0.70 %	TONA + 0.95 %	TONA + 1.20 %	TONA + 1.45 %
GBP	SONIA + 0.99 %	SONIA + 1.09 %	SONIA + 1.34 %	SONIA + 1.59 %	SONIA + 1.84 %	SONIA + 2.09 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.19 %	SOFR + 1.34 %	SOFR + 1.49 %	SOFR + 1.64 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.76 %	EURIBOR + 0.91 %	EURIBOR + 1.06 %	EURIBOR + 1.21 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.55 %	TONA + 0.70 %	TONA + 0.85 %	TONA + 1.00 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.19 %	SONIA + 1.34 %	SONIA + 1.49 %	SONIA + 1.64 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.24 %	SOFR + 1.44 %	SOFR + 1.64 %	SOFR + 1.84 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.81 %	EURIBOR + 1.01 %	EURIBOR + 1.21 %	EURIBOR + 1.41 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.60 %	TONA + 0.80 %	TONA + 1.00 %	TONA + 1.20 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.24 %	SONIA + 1.44 %	SONIA + 1.64 %	SONIA + 1.84 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.24 %	SOFR + 1.44 %	SOFR + 1.64 %	SOFR + 1.84 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.81 %	EURIBOR + 1.01 %	EURIBOR + 1.21 %	EURIBOR + 1.41 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.60 %	TONA + 0.80 %	TONA + 1.00 %	TONA + 1.20 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.24 %	SONIA + 1.44 %	SONIA + 1.64 %	SONIA + 1.84 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.99 %	SOFR + 1.09 %	SOFR + 1.34 %	SOFR + 1.59 %	SOFR + 1.84 %	SOFR + 2.09 %
EUR	EURIBOR + 0.56 %	EURIBOR + 0.66 %	EURIBOR + 0.91 %	EURIBOR + 1.16 %	EURIBOR + 1.41 %	EURIBOR + 1.66 %
JPY	TONA + 0.35 %	TONA + 0.45 %	TONA + 0.70 %	TONA + 0.95 %	TONA + 1.20 %	TONA + 1.45 %
GBP	SONIA + 0.99 %	SONIA + 1.09 %	SONIA + 1.34 %	SONIA + 1.59 %	SONIA + 1.84 %	SONIA + 2.09 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

Variable Spreads as of July 1, 2024

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %

LOAN CHARGES^1,2
Front-End Fee	0.25%
Commitment Fee	0.25%

For SOFR, TONA, SONIA the spread is compounded in arrears for a six-month interest rate period, for EURIBOR it is the EURIBOR 6-months.

_{1. IBRD Flexible Loans are subject to a one time front-end fee of 0.25% on the committed loan amount, and a commitment fee of 0.25% per annum on undisbursed balances, which begins to accrue sixty days after the Loan Agreement is signed.}

_{2. Adjusted terms for certain FY21 and FY22 IBRD operations were approved by the Board. Please see Annex 6 of the Policy on Financial Terms and Conditions of Bank Financing for precise details.}

_{3. IBRD lending rates include a standard lending spread comprising a contractual spread of 0.50% and a maturity premium. The lending rate also includes a charge to cover the bank's cost to fund the loans relative to the reference rate. DDO disbursements are priced at the prevailing spread over the reference rate at the time of drawdown.}

_{4. Lending rates for loans approved between June 30, 2010 and June 30, 2014, and loans for which the invitation to Negotiate was issued on or before June 30, 2014 and approved by the Executive Directors on or before September 30, 2014, include an annual maturity premium of 0.10% for loans with average repayment maturities of greater than 12 to 15 years, or 0.20% for loans with average repayment maturities of greater than 15 to 18 years. For loans approved after June 30, 2014 (with the exception of those for which the Invitation to Negotiate was issued on or before June 30, 2014 and approved by the Executive Directors on or before September 30, 2014), please refer to the February 11, 2014 news announcement. For loans for which the invitation to negotiate was issued on or before June 30, 2018 and approved by the Executive Directors on or before September 30, 2018, please refer to Table - Grandfathered Loans.}

_{5. As of April 1, 2017, IBRD calculates the average funding spread component of the Variable Spread on a quarterly basis.}

_{6. The calculation of the average repayment maturity for DDOs will begin at loan effectiveness for the determination of the applicable maturity premium.}

_{7. Development Policy Loans (DPL) with a Deferred Drawdown Option (DPL DDO) carry a 0.25% front-end fee, plus a stand-by fee of 0.50%. DPLs with a Catastrophe Risk DDO (Cat DDO) carry a 0.50% front-end fee, plus a 0.25% renewal fee.}

_{8. In addition to the above, a commitment fee of 0.25% is charged on undisbursed balances and begins accruing 60 days after the Loan Agreement is signed. The Bank does not charge commitment fee for loans that fail to become effective.}

^{9. For some projects addressing Global Challenges with Cross Border Externalities, the maximum loan maturity is extended to up to 50 years and the ARM up to 25 years_.}

Financial Terms for IBRD Special Development Policy Loans

Lending Rate	Reference Rate + applicable adjustment spread + minimum of 2.00%
Front-End Fee	1.00% of the principal loan amount
Repayment Terms	Up to 10-year final maturity and 5-year grace period
The SDPL offers the same flexibility as the IFL to manage currency and interest rate risk with embedded risk management options. See Bank Policy and Bank Directive for further details.

Grandfathered IBRD Loans

Grandfathered* loans are: (i) signed on or before June 30, 2018; or (ii) that meet both of the following conditions: the invitation to negotiate is issued on or before June 30, 2018; and the loan is approved by the EDs on or before September 30, 2018.

The Variable Spread loans transitioned from LIBOR to new reference rates effective January 1, 2022.

The USD Fixed Spread loans started to transition from LIBOR to SOFR starting July 1, 2023. For each loan, the transition will happen on the first payment date that falls on or after that date.

* DDOs and CAT DDOs are not grandfathered and their pricing is determined based on the current pricing in effect at the time of withdrawal.

Grandfathered IBRD Flexible Loan Rates

Select loan type from the drop-down menu.

Transaction Fees for IBRD Hedging Products on Liabilities to Others
Hedges on Liabilities to Others ⁽¹⁾
Transaction Type Transaction Fee
Major Currencies Local Currencies
Currency Swaps 0.10% 0.02%
Interest Rate Swaps 0.03% 0.01%
_{1. Transaction Fees for Early Termination: For early termination of hedges on liabilities to others, a transaction fee of 2bp p.a. will apply. Transaction fees expressed as a percentage per annum will be converted to a lump sum.}

RELATED

Financial Risk Management

Transaction Fees: Expressed as a percentage per annum on the outstanding loan amount unless otherwise indicated.

Transaction Type	For Variable Spread Loans
Interest Rate Conversion	USD⁽¹⁾	EUR⁽¹⁾, JPY⁽¹⁾, GBP⁽¹⁾,
Rate fixings of disbursed amounts	0.05%	0.10%
Interest Rate Caps/Collars of disbursed amounts	On a case-by-case basis
Currency Conversion
Of undisbursed loan amounts ⁽²⁾	0.125%
Of disbursed loan amounts	0.06%	0.11%
Early termination for any conversion ⁽³⁾	0.02%

^{Note: For loans for which the applicable reference rate + spread is lower than zero during the current interest rate period, transaction fees will be calculated on a case-by-case basis.}

^{(1) Currency of the loan prior to the Conversion.}

^{(2) Expressed as a percentage of the principal amount involved, and payable as a lump sum.}

^{(3) Transaction fees expressed as a percentage per annum are converted to a one-time lump sum.}

^{Transaction Fees for Early Termination: For early termination of a Conversion (a currency, or interest rate conversion) a transaction fee of 2bp will apply.}

IBRD Guarantee Pricing for guarantees approved on or after October 1, 2018

Charges	Fees	Private Projects		Public Projects (incl. Policy-Based Guarantees)
-	-	IDA Concessional	IBRD & IDA Non-Concessional	IDA Concessional	IBRD & IDA Non-Concessional
Upfront Charges (one-time fees charge on guaranteed amount)	Front-End	-	25bps	-	25bps
	Initiation	Greater of 15bps or $100k	Greater of 15bps or $100k	-	-
	Processing¹	50bps	50bps	-	-
Recurring Charges (per annum)	Standby	-	25bps	-	25bps
	Guarantee²	75bps	50-165bps³	75bps	50-165bps³

1. Determined on a case by case basis. In exceptional cases, projects can be charged over 50 bps of the guarantee amount.

2. The guarantee fee is charged on Bank’s financial exposure under the guarantee.

3. Guarantee fee applicable to IBRD & IDA Non-Concessional Guarantees per average maturity and pricing group. Excludes the surcharge on excess exposure. In certain cases, IBRD enclave guarantees for IDA countries may have higher pricing than the above IBRD prices.

Guarantee Average Life	Group A	Group B	Group C	Group D
Up to 8 years	50 bps	50 bps	50 bps	55 bps
From 8 to 10 years	60 bps	60 bps	60 bps	65 bps
From 10 to 12 years	70 bps	75 bps	80 bps	90 bps
From 12 to 15 years	80 bps	90 bps	100 bps	115 bps
From 15 to 18 years	90 bps	105 bps	120 bps	140 bps
From 18 to 20 years	100 bps	120 bps	140 bps	165 bps

Group A: Antigua and Barbuda, Barbados, Belize, Cabo Verde, Cameroon, Rep. of Congo, Dominica, Eswatini, Fiji, Grenada, Iraq, Kenya, Lebanon, Libya, Mauritius, Moldova, Mongolia, Montenegro, Nauru, Nigeria, Pakistan, Palau, Papua New Guinea, Seychelles, St. Kitts and Nevis, St. Lucia, St. Vincent and the Grenadines, Suriname, Timor-Leste, Ukraine, Uzbekistan, Venezuela, Zimbabwe

Group B: Albania, Algeria, Angola, Armenia, Azerbaijan, Belarus, Bolivia, Bosnia and Herzegovina, Botswana, Colombia, Ecuador, Egypt, El Salvador, Equatorial Guinea, Gabon, Georgia, Guatemala, India, Indonesia, Iran, Jamaica, Jordan, Morocco, Namibia, North Macedonia, Paraguay, Peru, Philippines, South Africa, Thailand, Tunisia, Viet Nam

Group C: Argentina, Brazil, Bulgaria, China, Costa Rica, Dominican Republic, Kazakhstan, Malaysia, Mexico, Russian Federation, Serbia, Türkiye, Turkmenistan

Group D: Chile, Croatia, Panama, Poland, Romania, Trinidad and Tobago, Uruguay

The offering of the fixed spread terms of the IFL

Effective April 1, 2021, the fixed spread terms under the IFL are suspended. The suspension does not apply to operations that meet both of the following conditions: (i) the Invitation to Negotiate is issued on or before January 26, 2021; and (ii) the IBRD Executive Directors approve the loan on or before June 30, 2021.

The USD Fixed Spread loans started to transition from LIBOR to SOFR starting July 1, 2023. For each loan, the transition will happen on the first payment date that falls on or after that date.

For the loans that meet both conditions the following rates apply:

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.53 %	SOFR + 1.73 %	SOFR + 1.98 %	SOFR + 2.13 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.95 %	EURIBOR + 1.15 %	EURIBOR + 1.40 %	EURIBOR + 1.55 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.81 %	TONA + 1.01 %	TONA + 1.26 %	TONA + 1.41 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.33 %	SONIA + 1.53 %	SONIA + 1.78 %	SONIA + 1.93 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.53 %	SOFR + 1.73 %	SOFR + 1.98 %	SOFR + 2.13 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.95 %	EURIBOR + 1.15 %	EURIBOR + 1.40 %	EURIBOR + 1.55 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.81 %	TONA + 1.01 %	TONA + 1.26 %	TONA + 1.41 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.33 %	SONIA + 1.53 %	SONIA + 1.78 %	SONIA + 1.93 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.58 %	SOFR + 1.83 %	SOFR + 2.13 %	SOFR + 2.33 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 1.00 %	EURIBOR + 1.25 %	EURIBOR + 1.55 %	EURIBOR + 1.75 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.86 %	TONA + 1.11 %	TONA + 1.41 %	TONA + 1.61 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.38 %	SONIA + 1.63 %	SONIA + 1.93 %	SONIA + 2.13 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.53 %	SOFR + 1.73 %	SOFR + 1.98 %	SOFR + 2.13 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.95 %	EURIBOR + 1.15 %	EURIBOR + 1.40 %	EURIBOR + 1.55 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.81 %	TONA + 1.01 %	TONA + 1.26 %	TONA + 1.41 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.33 %	SONIA + 1.53 %	SONIA + 1.78 %	SONIA + 1.93 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.53 %	SOFR + 1.73 %	SOFR + 1.98 %	SOFR + 2.13 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.95 %	EURIBOR + 1.15 %	EURIBOR + 1.40 %	EURIBOR + 1.55 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.81 %	TONA + 1.01 %	TONA + 1.26 %	TONA + 1.41 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.33 %	SONIA + 1.53 %	SONIA + 1.78 %	SONIA + 1.93 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.53 %	SOFR + 1.73 %	SOFR + 1.98 %	SOFR + 2.13 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.95 %	EURIBOR + 1.15 %	EURIBOR + 1.40 %	EURIBOR + 1.55 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.81 %	TONA + 1.01 %	TONA + 1.26 %	TONA + 1.41 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.33 %	SONIA + 1.53 %	SONIA + 1.78 %	SONIA + 1.93 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.58 %	SOFR + 1.83 %	SOFR + 2.13 %	SOFR + 2.33 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 1.00 %	EURIBOR + 1.25 %	EURIBOR + 1.55 %	EURIBOR + 1.75 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.86 %	TONA + 1.11 %	TONA + 1.41 %	TONA + 1.61 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.38 %	SONIA + 1.63 %	SONIA + 1.93 %	SONIA + 2.13 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.58 %	SOFR + 1.83 %	SOFR + 2.13 %	SOFR + 2.33 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 1.00 %	EURIBOR + 1.25 %	EURIBOR + 1.55 %	EURIBOR + 1.75 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.86 %	TONA + 1.11 %	TONA + 1.41 %	TONA + 1.61 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.38 %	SONIA + 1.63 %	SONIA + 1.93 %	SONIA + 2.13 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.28 %	SOFR + 1.43 %	SOFR + 1.68 %	SOFR + 1.98 %	SOFR + 2.33 %	SOFR + 2.58 %
EUR	EURIBOR + 0.70 %	EURIBOR + 0.85 %	EURIBOR + 1.10 %	EURIBOR + 1.40 %	EURIBOR + 1.75 %	EURIBOR + 2.00 %
JPY	TONA + 0.56 %	TONA + 0.71 %	TONA + 0.96 %	TONA + 1.26 %	TONA + 1.61 %	TONA + 1.86 %
GBP	SONIA + 1.08 %	SONIA + 1.23 %	SONIA + 1.48 %	SONIA + 1.78 %	SONIA + 2.13 %	SONIA + 2.38 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.58 %	SOFR + 1.83 %	SOFR + 2.13 %	SOFR + 2.33 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 1.00 %	EURIBOR + 1.25 %	EURIBOR + 1.55 %	EURIBOR + 1.75 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.86 %	TONA + 1.11 %	TONA + 1.41 %	TONA + 1.61 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.38 %	SONIA + 1.63 %	SONIA + 1.93 %	SONIA + 2.13 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.53 %	SOFR + 1.73 %	SOFR + 1.98 %	SOFR + 2.13 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.95 %	EURIBOR + 1.15 %	EURIBOR + 1.40 %	EURIBOR + 1.55 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.81 %	TONA + 1.01 %	TONA + 1.26 %	TONA + 1.41 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.33 %	SONIA + 1.53 %	SONIA + 1.78 %	SONIA + 1.93 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.58 %	SOFR + 1.83 %	SOFR + 2.13 %	SOFR + 2.33 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 1.00 %	EURIBOR + 1.25 %	EURIBOR + 1.55 %	EURIBOR + 1.75 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.86 %	TONA + 1.11 %	TONA + 1.41 %	TONA + 1.61 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.38 %	SONIA + 1.63 %	SONIA + 1.93 %	SONIA + 2.13 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.28 %	SOFR + 1.43 %	SOFR + 1.68 %	SOFR + 1.98 %	SOFR + 2.33 %	SOFR + 2.58 %
EUR	EURIBOR + 0.70 %	EURIBOR + 0.85 %	EURIBOR + 1.10 %	EURIBOR + 1.40 %	EURIBOR + 1.75 %	EURIBOR + 2.00 %
JPY	TONA + 0.56 %	TONA + 0.71 %	TONA + 0.96 %	TONA + 1.26 %	TONA + 1.61 %	TONA + 1.86 %
GBP	SONIA + 1.08 %	SONIA + 1.23 %	SONIA + 1.48 %	SONIA + 1.78 %	SONIA + 2.13 %	SONIA + 2.38 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.58 %	SOFR + 1.83 %	SOFR + 2.13 %	SOFR + 2.33 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 1.00 %	EURIBOR + 1.25 %	EURIBOR + 1.55 %	EURIBOR + 1.75 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.86 %	TONA + 1.11 %	TONA + 1.41 %	TONA + 1.61 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.38 %	SONIA + 1.63 %	SONIA + 1.93 %	SONIA + 2.13 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.53 %	SOFR + 1.73 %	SOFR + 1.98 %	SOFR + 2.13 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.95 %	EURIBOR + 1.15 %	EURIBOR + 1.40 %	EURIBOR + 1.55 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.81 %	TONA + 1.01 %	TONA + 1.26 %	TONA + 1.41 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.33 %	SONIA + 1.53 %	SONIA + 1.78 %	SONIA + 1.93 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.53 %	SOFR + 1.73 %	SOFR + 1.98 %	SOFR + 2.13 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.95 %	EURIBOR + 1.15 %	EURIBOR + 1.40 %	EURIBOR + 1.55 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.81 %	TONA + 1.01 %	TONA + 1.26 %	TONA + 1.41 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.33 %	SONIA + 1.53 %	SONIA + 1.78 %	SONIA + 1.93 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.53 %	SOFR + 1.73 %	SOFR + 1.98 %	SOFR + 2.13 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.95 %	EURIBOR + 1.15 %	EURIBOR + 1.40 %	EURIBOR + 1.55 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.81 %	TONA + 1.01 %	TONA + 1.26 %	TONA + 1.41 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.33 %	SONIA + 1.53 %	SONIA + 1.78 %	SONIA + 1.93 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.53 %	SOFR + 1.73 %	SOFR + 1.98 %	SOFR + 2.13 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.95 %	EURIBOR + 1.15 %	EURIBOR + 1.40 %	EURIBOR + 1.55 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.81 %	TONA + 1.01 %	TONA + 1.26 %	TONA + 1.41 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.33 %	SONIA + 1.53 %	SONIA + 1.78 %	SONIA + 1.93 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.53 %	SOFR + 1.73 %	SOFR + 1.98 %	SOFR + 2.13 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.95 %	EURIBOR + 1.15 %	EURIBOR + 1.40 %	EURIBOR + 1.55 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.81 %	TONA + 1.01 %	TONA + 1.26 %	TONA + 1.41 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.33 %	SONIA + 1.53 %	SONIA + 1.78 %	SONIA + 1.93 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.53 %	SOFR + 1.73 %	SOFR + 1.98 %	SOFR + 2.13 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.95 %	EURIBOR + 1.15 %	EURIBOR + 1.40 %	EURIBOR + 1.55 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.81 %	TONA + 1.01 %	TONA + 1.26 %	TONA + 1.41 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.33 %	SONIA + 1.53 %	SONIA + 1.78 %	SONIA + 1.93 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.53 %	SOFR + 1.73 %	SOFR + 1.98 %	SOFR + 2.13 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.95 %	EURIBOR + 1.15 %	EURIBOR + 1.40 %	EURIBOR + 1.55 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.81 %	TONA + 1.01 %	TONA + 1.26 %	TONA + 1.41 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.33 %	SONIA + 1.53 %	SONIA + 1.78 %	SONIA + 1.93 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.53 %	SOFR + 1.73 %	SOFR + 1.98 %	SOFR + 2.13 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.95 %	EURIBOR + 1.15 %	EURIBOR + 1.40 %	EURIBOR + 1.55 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.81 %	TONA + 1.01 %	TONA + 1.26 %	TONA + 1.41 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.33 %	SONIA + 1.53 %	SONIA + 1.78 %	SONIA + 1.93 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.53 %	SOFR + 1.73 %	SOFR + 1.98 %	SOFR + 2.13 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.95 %	EURIBOR + 1.15 %	EURIBOR + 1.40 %	EURIBOR + 1.55 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.81 %	TONA + 1.01 %	TONA + 1.26 %	TONA + 1.41 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.33 %	SONIA + 1.53 %	SONIA + 1.78 %	SONIA + 1.93 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.58 %	SOFR + 1.83 %	SOFR + 2.13 %	SOFR + 2.33 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 1.00 %	EURIBOR + 1.25 %	EURIBOR + 1.55 %	EURIBOR + 1.75 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.86 %	TONA + 1.11 %	TONA + 1.41 %	TONA + 1.61 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.38 %	SONIA + 1.63 %	SONIA + 1.93 %	SONIA + 2.13 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.58 %	SOFR + 1.83 %	SOFR + 2.13 %	SOFR + 2.33 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 1.00 %	EURIBOR + 1.25 %	EURIBOR + 1.55 %	EURIBOR + 1.75 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.86 %	TONA + 1.11 %	TONA + 1.41 %	TONA + 1.61 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.38 %	SONIA + 1.63 %	SONIA + 1.93 %	SONIA + 2.13 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.58 %	SOFR + 1.83 %	SOFR + 2.13 %	SOFR + 2.33 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 1.00 %	EURIBOR + 1.25 %	EURIBOR + 1.55 %	EURIBOR + 1.75 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.86 %	TONA + 1.11 %	TONA + 1.41 %	TONA + 1.61 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.38 %	SONIA + 1.63 %	SONIA + 1.93 %	SONIA + 2.13 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.53 %	SOFR + 1.73 %	SOFR + 1.98 %	SOFR + 2.13 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.95 %	EURIBOR + 1.15 %	EURIBOR + 1.40 %	EURIBOR + 1.55 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.81 %	TONA + 1.01 %	TONA + 1.26 %	TONA + 1.41 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.33 %	SONIA + 1.53 %	SONIA + 1.78 %	SONIA + 1.93 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %

Fixed Spreads as of July 1, 2024, for prepayment only

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR + 0.65 %	EURIBOR + 0.80 %	EURIBOR + 0.90 %	EURIBOR + 1.05 %	EURIBOR + 1.25 %	EURIBOR + 1.35 %
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %

Average Maturity (years)	8 years and below	Greater than 8 to 10	Greater than 10 to 12	Greater than 12 to 15	Greater than 15 to 18	Greater than 18 to 20
USD	SOFR + 1.23 %	SOFR + 1.38 %	SOFR + 1.48 %	SOFR + 1.63 %	SOFR + 1.83 %	SOFR + 1.93 %
EUR	EURIBOR +0.65%	EURIBOR +0.80%	EURIBOR +0.90%	EURIBOR +1.05%	EURIBOR +1.25%	EURIBOR +1.35%
JPY	TONA + 0.51 %	TONA + 0.66 %	TONA + 0.76 %	TONA + 0.91 %	TONA + 1.11 %	TONA + 1.21 %
GBP	SONIA + 1.03 %	SONIA + 1.18 %	SONIA + 1.28 %	SONIA + 1.43 %	SONIA + 1.63 %	SONIA + 1.73 %
Front-End Fee	0.25%
Commitment Fee	0.25%

Average Maturity Bucket	up to 8 years	8+ to 10 yrs	10+ to 12 yrs	12+ to 15 yrs	15+ to 18 yrs	18+ to 20 yrs
USD	SOFR + 0.94 %	SOFR + 1.04 %	SOFR + 1.14 %	SOFR + 1.24 %	SOFR + 1.34 %	SOFR + 1.44 %
EUR	EURIBOR + 0.51 %	EURIBOR + 0.61 %	EURIBOR + 0.71 %	EURIBOR + 0.81 %	EURIBOR + 0.91 %	EURIBOR + 1.01 %
JPY	TONA + 0.30 %	TONA + 0.40 %	TONA + 0.50 %	TONA + 0.60 %	TONA + 0.70 %	TONA + 0.80 %
GBP	SONIA + 0.94 %	SONIA + 1.04 %	SONIA + 1.14 %	SONIA + 1.24 %	SONIA + 1.34 %	SONIA + 1.44 %
LOAN CHARGES^1,2
Front-End Fee	0.25%
Commitment Fee	0.25%

Hedges on Liabilities to Others ⁽¹⁾
Transaction Type	Transaction Fee
	Major Currencies	Local Currencies
Currency Swaps	0.10%	0.02%
Interest Rate Swaps	0.03%	0.01%

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