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	2007	2006	2005
Obligation to return securities	1,605
Finance lease obligations	82	33	39
Private loans	646	518	649
Deposits related to margin accounts and collateral	195	895	331
Other	490	703	680
Total other borrowings	3,018	2,149	1,699

Fortis has designated cash-flow hedges using derivative financial instruments such as cross currency swaps to hedge its risks associated with USD fluctuations related to repayment of its interest bearing loans denominated in USD. The line Other includes a hedged 10-year note with a notional amount of US 100 million issued in March 2004 at a rate of 5.875%.

Changes in the fair value of the hedging instrument are recognised in equity, while the hedge ineffectiveness is recognised immediately in the income statement.

The terms of the cross currency swap agreement match the terms of the interest bearing loan.

Finance lease obligations

Fortis’ obligations under finance lease agreements are detailed in the table below.

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				Present
	Minimum			value minimum
	lease payments			lease payments
	2007	2006	2005	2007	2006	2005
Not later than 3 months	42	3	3	42	3	2
Later than 3 months and not later than 1 year	14	9	7	13	8	7
Later than 1 year and not later than 5 years	26	21	30	23	18	26
Later than 5 years	5	6	5	4	4	4
Total	87	39	45	82	33	39
Future finance charges	5	6	6

Other

Other borrowings, excluding finance lease obligations, are classified by remaining maturity in the table below.

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	2007	2006	2005
Not later than 3 months	2,009	1,202	1,145
Later than 3 months and not later than 1 year	161	168	74
Later than 1 year and not later than 5 years	391	421	87
Later than 5 years	375	325	354
Total	2,936	2,116	1,660