Urgent!! Problem with class module

Ok here is what I'm trying to do....this is code I wrote in vb.net

    Public Class RateTier
        Public MinimumLTV As Decimal
        Public MaximumLTV As Decimal
        Public MinimumLoanAmount As Decimal
        Public MaximumLoanAmount As Decimal
        Public Fee As Decimal
        Public Rate As Decimal
        Public Apr As Decimal
        Public Margin As Decimal
        Public IndexValue As Decimal
        Public Points As Decimal
    End Class

    Public Class RateProduct
        Public Code As String
        Public Title As String
        Public LoanType As String
        Public Tiers As RateTier()
    End Class

    Public Class RateState
        Public Products() As RateProduct
        Public Abbreviation As String
        Public Label As String
        Public LoanType As String
    End Class

    Public Class RateSystem
        Public States As RateState()
    End Class

    Public Class Rates
        Public EffectiveDate As Date
        Public PrimeRate As Double
        Public Systems() As RateSystem
    End Class

So what this allows me to do is have multiple RateSystem under Rates multiple RateState under RateSystem etc.

So essentially if I wanted to access the property for abbreviation for the first system and first state I would do

Rates.RateSystem(0).RateState(0).Abbreviation

If I wanted to access the property for abbreviation for the second system 10th state I would do

Rates.RateSystem(1).RateState(9).Abbreviation

and so on...

How do I do something like this in just plain ol' vb6?