This index is the weighted annualized average of all interest rates in effect on World Savings deposit accounts on the last day of each month.  This index is specific to the banking institutions operated under the World Savings name by its holding company, Golden West Financial Corporation.   The rate is adjusted for the effects of financial instruments related to deposit accounts and other adjustments determined by Golden West in its sole discretion to accurately reflect the weighted average of interest rates on the deposit acccounts.  This index is basically reflective of the rate World Savings is paying for it deposits.