Maturity Date: March 31, 2014
Term: 7 years, 11 months
Principal Protection: If held to full term, receive no less $103 for every $100 invested
Minimum Deposit: Series N-12A - $2,000 ; Series N-12B - $3,000


Redeemable semi-annually at the option of the holder on the 30th day of June and the 31st day of December in each year, or the next business day if such dates are not business days, commencing December 31, 2006 to and including December 31, 2013, for a redemption price equal to the Principal Amount of the Note being redeemed, as adjusted for the performance of the Program during the period from the Issue Date to the date of redemption. Investors will be entitled to redeem their note by providing appropriate instructions to the agents, members of the selling group or other CDS participants with whom they hold their interests at least 15 business days prior to the redemption date. See "Redemption Privilege" in the Information Statement for this Series.

For Series N-12B Notes, redemptions ae not subject to an early redemption fee. For Series N-12A Notes, redemptions on the following early redemption dates will be subject to an early redemption fee on the applicable redemption price, as follows:

Date	N-12A Early Redemption Fee		N-12B Early Redemption Fee
December 31, 2006	5%		Nil
June 30, 2007	5%		Nil
December 31, 2007	4%		Nil
June 30, 2008	4%		Nil
December 31, 2008	3%		Nil
June 30, 2009	3%		Nil
December 31, 2009	2%		Nil
June 30, 2010	2%		Nil
December 31, 2010	Nil		Nil
June 30, 2011	Nil		Nil
December 31, 2011	Nil		Nil
June 30, 2012	Nil		Nil
December 31, 2012	Nil		Nil
June 30, 2013	Nil		Nil
December 31, 2013	Nil		Nil