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HISTORICAL LISTING OF
MAXIMUM EFFECTIVE INTEREST RATES (a/k/a home loan rate)
AS DETERMINED PURSUANT TO T.C.A. § 47-15-103

Month Effective Rate
March, 2012 7.02
February, 2012 6.94
January, 2012 7.02
December, 2011 7.07
November, 2011 7.02
October, 2011 7.52
September, 2011 8.25
August, 2011 8.36
July, 2011 8.21
June, 2011 8.42
May, 2011 8.51
April, 2011 8.55
March, 2011 8.65
February, 2011 8.43
January, 2011 8.22
December, 2010 8.00
November, 2010 7.69
October, 2010 7.66
September, 2010 8.05
August, 2010 7.94
July, 2010 8.21
June, 2010 8.60
May, 2010 8.76
April, 2010 8.62
March, 2010 8.55
February, 2010 8.64
January, 2010 8.29
December, 2009 8.30
November, 2009 8.02
October, 2009 8.23
September, 2009 8.49
August, 2009 8.32
July, 2009 8.48
June, 2009 7.99
May, 2009 7.59
April, 2009 7.60
March, 2009 7.45
February, 2009 6.68
January, 2009 7.60
December, 2008 8.24
November, 2008 8.19
October, 2008 8.40
September, 2008 8.61
August, 2008 8.53
July, 2008 8.71
June, 2008 8.53
May, 2008 8.36
April, 2008 8.59
March, 2008 8.35
February, 2008 8.38
January, 2008 8.36
December, 2007 8.67
November, 2007 8.87
October, 2007 8.85
September, 2007 8.91
August, 2007 9.19
July, 2007 / 9.01
June, 2007 8.84
May, 2007 8.89
April, 2007 8.84
March, 2007 9.06
February, 2007 8.87
January, 2007 8.71
December, 2006 8.90
November, 2006 8.81
October, 2006 8.99
September, 2006 9.20
August, 2006 9.38
July, 2006 9.31
June, 2006 9.30
May, 2006 9.01
April, 2006 8.71
March, 2006 8.82
February, 2006 8.72
January, 2006 8.91
December, 2005 8.94
November, 2005 8.66
October, 2005 8.34
September, 2005 8.42
August, 2005 8.23
July, 2005 8.40
June, 2005 8.55
May, 2005 8.81
April, 2005 8.68
March, 2005 8.67
February, 2005 8.91
January, 2005 8.89
December, 2004 8.69
November, 2004 8.71
October, 2004 8.76
September, 2004 9.24
August, 2004 9.34
July, 2004 9.27
June, 2004 9.29
May, 2004 8.78
April, 2004 8.92
March, 2004 9.03
February, 2004 9.08
January, 2004 9.12
December, 2003 9.21
November, 2003 9.03
October, 2003 9.37
September, 2003 9.30
August, 2003 8.50
July, 2003 8.39
June, 2003 8.86
May, 2003 8.97
April, 2003 8.82
March, 2003 8.98
February, 2003 8.90
January, 2003 9.16
December, 2002 9.12
November, 2002 8.91
October, 2002 9.14
September, 2002 9.52
August, 2002 9.62
July, 2002 9.77
June, 2002 9.72
May, 2002 9.94
April, 2002 9.57
March, 2002 9.42
February, 2002 9.54
January, 2002 9.33
December, 2001 9.02
November, 2001 9.51
October, 2001 9.40
September, 2001 9.55
August, 2001 9.66
July, 2001 9.80
June, 2001 9.71
May, 2001 9.44
April, 2001 9.36
March, 2001 9.56
February, 2001 9.43
January, 2001 9.66
December, 2000 9.80
November, 2000 9.89
October, 2000 9.71
September, 2000 9.75
August, 2000 9.94
July, 2000 10.00
June, 2000 9.95
May, 2000 9.94
April, 2000 10.15
March, 2000 10.33
February, 2000 10.46
January, 2000 10.30
December, 1999 10.30
November, 1999 10.09
October, 1999 10.08
September, 1999 10.05
August, 1999 10.03
July, 1999 9.95
June, 1999 9.58
May, 1999 9.63
April, 1999 9.49
March, 1999 9.12
February, 1999 9.12
January, 1999 9.05
December, 1998 9.12
November, 1998 9.00
October, 1998 9.32
September, 1998 9.73
August, 1998 9.63
July, 1998 9.83
June, 1998 10.02
May, 1998 9.89
April, 1998 9.94
March, 1998 9.89
February, 1998 9.93
January, 1998 10.06
December, 1997 10.22
November, 1997 10.35
October, 1997 10.63
September, 1997 10.38
August, 1997 10.72
July, 1997 10.99
June, 1997 10.96
May, 1997 ?
April, 1997 10.93
March, 1997 10.75
February, 1997 10.83
January, 1997 10.55
December, 1996 10.48
November, 1996 10.81
October, 1996 11.03
September, 1996 11.03
August, 1996 11.03
July, 1996 11.06
June, 1996 10.93
May, 1996 10.79
April, 1996 10.60
March, 1996 10.24
February, 1996 10.08
January, 1996 10.06
December, 1995 10.26
November, 1995 10.37
October, 1995 10.55
September, 1995 10.86
August, 1995 10.72
July, 1995 10.57
June, 1995 10.95
May, 1995 11.36
April, 1995 11.45
March, 1995 11.61
February, 1995 11.85
January, 1995 11.87
December, 1994 12.08
November, 1994 11.94
October, 1994 11.71
September, 1994 11.49
August, 1994 11.58
July, 1994 11.40
June, 1994 11.41
May, 1994 11.27
April, 1994 10.91
March, 1994 10.49
February, 1994 10.29
January, 1994 10.25
December, 1993 10.21
November, 1993 9.94
October, 1993 10.00
September, 1993 10.32
August, 1993 10.93
July, 1993 10.81
June, 1993 10.92
May, 1993 10.85
April, 1993 10.82
March, 1993 11.09
February, 1993 11.34
January, 1993 11.44
December, 1992 11.61
November, 1992 11.53
October, 1992 11.34
September, 1992 11.39
August, 1992 11.60
July, 1992 11.84
June, 1992 11.89
May, 1992 11.96
April, 1992 11.97
March, 1992 11.85
February, 1992 11.58
January, 1992 11.70
December, 1991 11.92
November, 1991 11.93
October, 1991 11.95
September, 1991 12.14
August, 1991 12.45
July, 1991 12.47
June, 1991 12.27
May, 1991 12.21
April, 1991 12.29
March, 1991 12.03
February, 1991 12.27
January, 1991 12.24
December, 1990 12.54
November, 1990 12.86
October, 1990 13.03
September, 1990 12.00
August, 1990 12.50
July, 1990 12.46
June, 1990 12.73
May, 1990 13.00
April, 1990 12.56
March, 1990 12.50
February, 1990 12.26
January, 1990 11.90
December, 1989 11.91
November, 1989 12.00
October, 1989 12.15
September, 1989 12.12
August, 1989 12.08
July, 1989 12.27
June, 1989 12.83
May, 1989 13.03
April, 1989 13.17
March, 1989 13.01
February, 1989 12.93
January, 1989 13.00
December, 1988 13.15
November, 1988 12.89
October, 1988 13.06