BOTSWANA LIFE INSURANCE LIMITED

PRODUCT INDEX
PRODUCT_ABBREVIATION PRODUCT_NAME DESCRIPTION

This product provides funeral cover for the

ULP1-29 NEW EXTENDED FUNERAL BENEFIT extended family of the insured.

Disclaimer

NOTE: The purpose of this document is to provide the necessary specifications for initial product set-up. The details contained
in this document are subject to change by Botswana Life Insurance when need arises. Detailed Claim and Amendment
Business rule, if required, will be sent separately.

Author: Keaobaka Ramolemoge

Checked by: Subhashini Ganapathy
Reviewed by: Philip van Rooijen

Revision History
Version No Revision Comments Date of Release
MAIN PAGE: Added Renewal, Risk and
2.1 Acquisition expenses 17-Jun-10
 Revised by

Keaobaka Ramolemoge
General Setup in EBAO System
PRODUCT_ABBREVIATION ULP1-29
PRODUCT_NAME NEW EXTENDED FAMILY FUNERAL BENEFIT
START_DATE 01-Jan-02
MANDATORY_PROD_YES_NO No
PRODUCT_CATEGORY RIDER
PRODUCT_CATEGORY_DESC RIDER BENEFIT ON INVESTMENT PRODUCT

PREMIUM TYPE RECURRING

PREMIUM PAYMENT TERM TERM OF THE POLICY

PREMIUM PAYMENT METHOD MORE THAN ONE METHOD

OFFICE_PREMIUM_RATE_TABLE EFB2

COMM_CALCULATION Use Formula

COMMISSION_BASIS Upfront
SALES_CHANNEL BLIL Agents and Brokers
SINGLE_OR_JOINT_LIFE Single
Coverage Yes

Underwriting Rules No
Waiting Period Yes

EXPENSES
Charge1 Home
Charge type
Fee Source Deduct from premium
Calculation Base policy level
Follow Premium Frequency Yes
Charge Frequency monthly
Deduct Order 4
Deduct Mode By Order
Calculation Basis Formula
Charge2 Home
Charge type

Fee Source Deducted from fund at offer price

Calculation Base policy level
Follow Premium Frequency Yes
Charge Frequency
Deduct Order 2
Deduct Mode By Order
Calculation Basis Formula
Charge3 Home
Charge type
Fee Source Deducted from fund at offer price
Calculation Base policy level
Follow Premium Frequency Yes
Charge Frequency monthly
Deduct Order 3
Deduct Mode By Order
Calculation Basis Formula
Charge4 Home
Charge type
Fee Source Deducted from fund at offer price
Calculation Base policy level
Follow Premium Frequency No
Charge Frequency

Deduct Order 1
Deduct Mode By Order
Calculation Basis Formula
Premium Calculation for Life Cover Home
Premium Formula

Liability 1 Home
Liablity Category Death

Liability Name Death

Liability Evaluation Formula Inforce SA

CS ALLOWED RULE_VALUE
DECREASE IN EFFB UNITS Y
INCREASE IN EFFB UNITS Y
DELETING DEPENDANT Y
ADDITION OF DEPENDANT Y
NEW BUSINESS RULES RULE_VALUE

RENEWAL_MARGINAL_CUTOFF NA
RENEWAL_BASIC_RATE NA
RENEWAL_BASIC_RATE NA
RENEWAL_EXCESS_RATE NA
MIN_ACQ_EXPENSE_DOC NA
MAX_ACQ_EXPENSE_DOC NA
MIN_ACQ_EXPENSE_POST_DOC NA
MAX_ACQ_EXPENSE_POST_DOC NA
ACQ_EXPENSE_FACTOR NA
INVESTMENT_ALLOWED N
FEMALE_AGE_ADJ NA
MALE_AGE_ADJ NA
SMOKER_AGE_ADJ NA
INCOME_AGE_ADJ NA
EDUCATION_AGE_ADJ NA
MARRIAGE_AGE_ADJ NA

MAX_TERMINATION_AGE 65 - Main life after which the policy terminates

MIN_AGE_AT_ENTRY 0 - Child and Extended Family, 16 - Spouse and Parents
MAX_AGE_AT_ENTRY 65 - Main life after which the policy terminates, 85 - Covered persons
MINIMUM_COVER 1000
MAXIMUM_COVER 7000
MINIMUM_PREMIUM NA
MINIMUM_TERM 1
COVERED_PERSON_REQUIRED_YN Y
ALLOWED_NUM_OF_COVERED_PERSON 20
Payment Method Allowed Home
Payemt Allowed Payment Frequency for Related Payment Method
Cash 0-NA
direct debit 4-Monthly
Employee Stop Order 4-Monthly
Cheque 0-NA
Government Stop Order 4-Monthly
Comments/Detail Situation

Pure Risk

Rider Benefit

RATE TABLE BASED; COVER AMOUNT & NO.OF.

COVERED PERSON

Refer to Payment Method Allowed table in the same sheet

Commission is paid to intermediary at each policy rider

product level but expensed at main product level; so that if
rider is terminated the main product commission is still
continued to be paid.

This product provides funeral cover for the extended family

of the insured.

6 months for each person added except for Accidental

Death

Formula Home
Commissions

Formula Home
Renewal Expense (PolicyActivation, Premium Increase)

Bid price = Offer price

Follows the Premium Frequency

Formula Home
Risk Charge Calculation
Bid price = Offer price

Formula Home
Acquisition
Bid price = Offer price

This expense is charged at Policy activation and any type

of Premium Increase
 Formula Home

Formula Home
This is Rider benefit of Investment Product so only one
claim type is allowed

Inforce SA = value of cover units

CAN THESE CS BE BACKDATED

COMMENTS

Uses Same Parameters as Main Product ULP11 and this

rider product premium is included with Main Product
Premium during calculation of this charges at Policy Level
same as above
same as above
same as above
same as above
same as above
same as above
same as above
same as above

Termination age for other members = Insured's Ext Family

are covered up to the date on which the insured attains
the age of 65; or would have attained the age of 65 should
the insured have died before then;or the date on which the
policy matures,whichever occurs first
RELATION_CATEGORY_CODE MINIMUM_AGE MAXIMUM_AGE
s, 85 - Covered persons SPO 16 85
DCH 0 85
PAR 20 85
EFA 0 85

Formula Home
Premium Calculation
Formula(s)

Step 1: Find office premium rate for rated age @ commencement

Step 2: Calculate Premium for Sum assured requested

Premium Factor

Commission Expense Calculation @ Activation

Formula(s)
-          Calculate the total commission to be charged on the policy.
-          Calculate the monthly charge for the first and second year.
CONSTANTS USED FOR COMMISSION CALCULATION
DOC
ANB
T
TEXP
TB
TBEXP
N
NMIN
NMAX
ANBMAX
P
PB
APIB
APIMAX
API
PF
F
CF
CPMAX
CP
Cn
Formula(s)
Step1 : APIB = PB x PF
Step2 : CPB = MIN ( [CF x NRP] , CPMAX )
Step3 :Total Commission charge, TCB = (APIB x CPB) x 4 / 3
First year monthly charge, C1 = TCB / 16
Second year monthly charge, C2 = TCB / 48 = C1 / 3
Apply VAT

If the intermediary is paid annually in advance then:

I = Intermediary Annual Payment Factor   = 0.9525
E1 = C1 x 12 x I

POLICY_NUMBER
ACCOUNTING_DATE
TRANSACTION_CODE
PREMIUM_AMOUNT
INTEREST_CHARGES
ACQUISITION_CHARGES
RENEWAL_CHARGES
RISK_CHARGES
COMMISSION_CHARGES
INVESTED_AMOUNT
CLOSING_BOD_AMOUNT

Risk Charges (RsE) for Rider Benefit

Formula(s)

The risk charges are dependant on the Policy Value

Risk Charge @ commencement
Risk Charge @ first year Anniversary
Risk Charge @ commencement + Loading Premium

ACQUISTION CHARGE @ POLICY LEVEL DURING COMMENCEMENT

The acquisition expense at commencement of policy is determined by the following parameters:
Term of the policy
Premium
Commissionable rate
Recurring or Single premium
CONSTANTS USED FOR ACQUISTION CALCULATION
If Commencement Date of policy < 01-SEP-2000
AEMINDOC
AEMAXDOC
If Commencement Date of policy ≥ 01-SEP-2000
AEMINDOC
AEMAXDOC
AEMIN
AEMAX
AEfMAXRP
AEC
T
NMIN
NMAX
N
ANBMAX
ANB
FORMULA
Step 1: Calculation Commissionable Term = N
Step 2: y = min[ AEfMAX , AEC *min( N , NMAX )]
Step 3: AEt=0 = max [ AEMINDOC , min [AEMAXDOC , (API * yRP )] ]
Example 2:

Renewal (RE) @ Policy Level

Constants Used For Renewal Expense Calculation
P
PB

REN
REM
RECOM

Effective 01-APR-2002
REN
FORMULA STEPS
Step 1 : IF P <= RECOM
Step 2 :Else,
Step 3:
Main Page Formula Home
Formula Example

Office Rate = Lookup Rate from Office rate table for each covered
person's entry age & cover level / Office Scaling Factor
Premium = sum(Office rate)
If Pay Freq > 0 then Premium = Premium * 12 / Payment Freq;
Premium = round(Premium * Premium_Factor/100,2);

Main Page Formula Home

Formula Example

Date of Commencement of Policy

Actual age next birthday at DOC
Policy Term (years)
Expired term of policy in years
Benefit Term (years)
Expired benefit term in months
Commissionable Term
Minimum Commissionable Term Constant = 10
Maximum Commissionable Term Constant = 26.15385
Maximum Commissionable Age Constant = 75
Monthly policy premium
Monthly benefit premium
Annualised Premium Income (for benefit) = PB * PF
Maximum Annualised Premium Income (at any time in past)
Annualised Premium Income (for Policy) = P * PF
Policy Payment Frequency
Commission charging frequency in months = 12
Commission factor = 0.0325 0.03
Maximum commission percentage = 0.85 0.85
Commission Percentage
Monthly commission charge to policy holder
Formula Example 1
129 * 12 1740
CPB = MIN( [3.25% x NRP] , 0.85 ) 0.81
1680 / 0.8125 * (4/3) 1885
117.81
39.27
129.59

1481.26

21252222
1-Feb-03
PD
145
0
377
13.7
34.65
 129.59
0
-409.94

Main Page Formula Home

Formula

SINCE THE TERMINATION AGE OF THE COVERED

PERSONS IS DEPENDANT ON THE TERMINATION AGE
Risk Rate = Lookup Rate from BOD rate table for each covered OF MAIN LIFE , USE RATED AGE 85 FOR COVERED
person's AGE NEXT BIRTHDAY & cover level / Risk Scaling Factor PERSONS WHOSE ATTAINED AGE IS GREATER THAN 85
Premium = sum(Risk rate)
If Pay Freq > 0 then Premium = Premium * 12 / Payment Freq;
Premium = round(Premium * Premium_Factor/100,2);

Main Page Formula Home

by the following parameters:

Main Page Formula Home

Minimum Acquisition expense = 175

Maximum Acquisition expense = 500
Evaluation
Minimum Acquisition expense = 200 Refer to Product Rules in Main Page for latest Values
Maximum Acquisition expense = 550
Minimum Acquisition expense after DOC = 100
Maximum Acquisition expense after DOC = 250
Maximum Acquisition % of commissionable term= 1/3.75 0.27
Recurring Premium Acquisition factor = 13/1500 0.01
Term in Years
Minimum Commissionable Term Constant = 10 10
Maximum Commissionable Term Constant = 26.15385 26.15
min [ T, max( NMIN, ANBMAX - ANB) ]
Maximum Commissionable Age Constant = 75 75
Actual age next birthday at DOC
Main Page Formula Home
N = min [ T, max (Nmin, 75 - ANB) ] 25
y = min [ 1/3.75 , 13/1500 * min( N , 26.1583) ] 0.22
AE = max [ 200, min ( 550 , API * y) ] 377

Main Page Formula Home

Example
Monthly policy premium 145
Monthly benefit premium NA
Normal Renewal Expense percentage = 0.05 (if DOC < 01-Jan-2002)
else R.E.% = 0.06 0.06
Marginal Renewal Expense percentage = 0.01 0.01
Marginal Cutoff for Renewal Expenses= 500 500

Normal Renewal Expense percentage = 0.06

FORMULA Evaluation (Example 1)
RE = P * REN 8.7
RE = [ (P – RECOM )* REM ] + [RECOM * REN]
RE= RE + Policy Fee 13.7
ALL THE COVERED
PERSONS HAVE THE
SAME COVER LEVEL
PER POLICY

POLICY_NUMBER PRODUCT_CODE Date of Commencement PREMIUM_AMOUNT Term Age Of INS

21252222 ULP11 1-Feb-03 100 25 39
21252222 ULP129 1-Feb-03 45
145
Age Cover Amount Relation
24 1000 SISTER 4.5
29 1000 BROTHER 5
30 1000 BROTHER 5
40 1000 SISTER 5.5
50 1000 SISTER 8
66 1000 MOTHER 17
45
Age Cover Amount Relation
24 1000 SISTER 3.47

29 1000 BROTHER 3.85

30 1000 BROTHER 3.85
40 1000 SISTER 4.24
50 1000 SISTER 6.16
66 1000 MOTHER 13.09
34.66
API
1740
RATE_TABLE_CODE EFB2
RATE_TABLE_DESC NEW EFFB
IS RATE TERM BASED NO
IS RATE AGE BASED YES (RATEG AGE)
IS RATE COVER_BASED YES
GENDER_BASED NO
OFFICE_SCALING_FACTOR 1
RISK_SCALING_FACTOR 1
Monthly Rates
RATE_TABLE_NAME RATE_FIRST_DATE RATED_AGE COVER_LEVEL
EFB2 9/1/2000 1.0 1000.00
EFB2 9/1/2000 2.0 1000.00
EFB2 9/1/2000 3.0 1000.00
EFB2 9/1/2000 4.0 1000.00
EFB2 9/1/2000 5.0 1000.00
EFB2 9/1/2000 6.0 1000.00
EFB2 9/1/2000 7.0 1000.00
EFB2 9/1/2000 8.0 1000.00
EFB2 9/1/2000 9.0 1000.00
EFB2 9/1/2000 10.0 1000.00
EFB2 9/1/2000 11.0 1000.00
EFB2 9/1/2000 12.0 1000.00
EFB2 9/1/2000 13.0 1000.00
EFB2 9/1/2000 14.0 1000.00
EFB2 9/1/2000 15.0 1000.00
EFB2 9/1/2000 16.0 1000.00
EFB2 9/1/2000 17.0 1000.00
EFB2 9/1/2000 18.0 1000.00
EFB2 9/1/2000 19.0 1000.00
EFB2 9/1/2000 20.0 1000.00
EFB2 9/1/2000 21.0 1000.00
EFB2 9/1/2000 22.0 1000.00
EFB2 9/1/2000 23.0 1000.00
EFB2 9/1/2000 24.0 1000.00
EFB2 9/1/2000 25.0 1000.00
EFB2 9/1/2000 26.0 1000.00
EFB2 9/1/2000 27.0 1000.00
EFB2 9/1/2000 28.0 1000.00
EFB2 9/1/2000 29.0 1000.00
EFB2 9/1/2000 30.0 1000.00
EFB2 9/1/2000 31.0 1000.00
EFB2 9/1/2000 32.0 1000.00
EFB2 9/1/2000 33.0 1000.00
EFB2 9/1/2000 34.0 1000.00
EFB2 9/1/2000 35.0 1000.00
EFB2 9/1/2000 36.0 1000.00
EFB2 9/1/2000 37.0 1000.00
EFB2 9/1/2000 38.0 1000.00
EFB2 9/1/2000 39.0 1000.00
EFB2 9/1/2000 40.0 1000.00
EFB2 9/1/2000 41.0 1000.00
EFB2 9/1/2000 42.0 1000.00
EFB2 9/1/2000 43.0 1000.00
EFB2 9/1/2000 44.0 1000.00
EFB2 9/1/2000 45.0 1000.00
EFB2 9/1/2000 46.0 1000.00
EFB2 9/1/2000 47.0 1000.00
EFB2 9/1/2000 48.0 1000.00
EFB2 9/1/2000 49.0 1000.00
EFB2 9/1/2000 50.0 1000.00
EFB2 9/1/2000 51.0 1000.00
EFB2 9/1/2000 52.0 1000.00
EFB2 9/1/2000 53.0 1000.00
EFB2 9/1/2000 54.0 1000.00
EFB2 9/1/2000 55.0 1000.00
EFB2 9/1/2000 56.0 1000.00
EFB2 9/1/2000 57.0 1000.00
EFB2 9/1/2000 58.0 1000.00
EFB2 9/1/2000 59.0 1000.00
EFB2 9/1/2000 60.0 1000.00
EFB2 9/1/2000 61.0 1000.00
EFB2 9/1/2000 62.0 1000.00
EFB2 9/1/2000 63.0 1000.00
EFB2 9/1/2000 64.0 1000.00
EFB2 9/1/2000 65.0 1000.00
EFB2 9/1/2000 66.0 1000.00
EFB2 9/1/2000 67.0 1000.00
EFB2 9/1/2000 68.0 1000.00
EFB2 9/1/2000 69.0 1000.00
EFB2 9/1/2000 70.0 1000.00
EFB2 9/1/2000 71.0 1000.00
EFB2 9/1/2000 72.0 1000.00
EFB2 9/1/2000 73.0 1000.00
EFB2 9/1/2000 74.0 1000.00
EFB2 9/1/2000 75.0 1000.00
EFB2 9/1/2000 76.0 1000.00
EFB2 9/1/2000 77.0 1000.00
EFB2 9/1/2000 78.0 1000.00
EFB2 9/1/2000 79.0 1000.00
EFB2 9/1/2000 80.0 1000.00
EFB2 9/1/2000 81.0 1000.00
EFB2 9/1/2000 82.0 1000.00
EFB2 9/1/2000 83.0 1000.00
EFB2 9/1/2000 84.0 1000.00
EFB2 9/1/2000 85.0 1000.00
EFB2 9/1/2000 1.0 2100.00
EFB2 9/1/2000 2.0 2100.00
EFB2 9/1/2000 3.0 2100.00
EFB2 9/1/2000 4.0 2100.00
EFB2 9/1/2000 5.0 2100.00
EFB2 9/1/2000 6.0 2100.00
EFB2 9/1/2000 7.0 2100.00
EFB2 9/1/2000 8.0 2100.00
EFB2 9/1/2000 9.0 2100.00
EFB2 9/1/2000 10.0 2100.00
EFB2 9/1/2000 11.0 2100.00
EFB2 9/1/2000 12.0 2100.00
EFB2 9/1/2000 13.0 2100.00
EFB2 9/1/2000 14.0 2100.00
EFB2 9/1/2000 15.0 2100.00
EFB2 9/1/2000 16.0 2100.00
EFB2 9/1/2000 17.0 2100.00
EFB2 9/1/2000 18.0 2100.00
EFB2 9/1/2000 19.0 2100.00
EFB2 9/1/2000 20.0 2100.00
EFB2 9/1/2000 21.0 2100.00
EFB2 9/1/2000 22.0 2100.00
EFB2 9/1/2000 23.0 2100.00
EFB2 9/1/2000 24.0 2100.00
EFB2 9/1/2000 25.0 2100.00
EFB2 9/1/2000 26.0 2100.00
EFB2 9/1/2000 27.0 2100.00
EFB2 9/1/2000 28.0 2100.00
EFB2 9/1/2000 29.0 2100.00
EFB2 9/1/2000 30.0 2100.00
EFB2 9/1/2000 31.0 2100.00
EFB2 9/1/2000 32.0 2100.00
EFB2 9/1/2000 33.0 2100.00
EFB2 9/1/2000 34.0 2100.00
EFB2 9/1/2000 35.0 2100.00
EFB2 9/1/2000 36.0 2100.00
EFB2 9/1/2000 37.0 2100.00
EFB2 9/1/2000 38.0 2100.00
EFB2 9/1/2000 39.0 2100.00
EFB2 9/1/2000 40.0 2100.00
EFB2 9/1/2000 41.0 2100.00
EFB2 9/1/2000 42.0 2100.00
EFB2 9/1/2000 43.0 2100.00
EFB2 9/1/2000 44.0 2100.00
EFB2 9/1/2000 45.0 2100.00
EFB2 9/1/2000 46.0 2100.00
EFB2 9/1/2000 47.0 2100.00
EFB2 9/1/2000 48.0 2100.00
EFB2 9/1/2000 49.0 2100.00
EFB2 9/1/2000 50.0 2100.00
EFB2 9/1/2000 51.0 2100.00
EFB2 9/1/2000 52.0 2100.00
EFB2 9/1/2000 53.0 2100.00
EFB2 9/1/2000 54.0 2100.00
EFB2 9/1/2000 55.0 2100.00
EFB2 9/1/2000 56.0 2100.00
EFB2 9/1/2000 57.0 2100.00
EFB2 9/1/2000 58.0 2100.00
EFB2 9/1/2000 59.0 2100.00
EFB2 9/1/2000 60.0 2100.00
EFB2 9/1/2000 61.0 2100.00
EFB2 9/1/2000 62.0 2100.00
EFB2 9/1/2000 63.0 2100.00
EFB2 9/1/2000 64.0 2100.00
EFB2 9/1/2000 65.0 2100.00
EFB2 9/1/2000 66.0 2100.00
EFB2 9/1/2000 67.0 2100.00
EFB2 9/1/2000 68.0 2100.00
EFB2 9/1/2000 69.0 2100.00
EFB2 9/1/2000 70.0 2100.00
EFB2 9/1/2000 71.0 2100.00
EFB2 9/1/2000 72.0 2100.00
EFB2 9/1/2000 73.0 2100.00
EFB2 9/1/2000 74.0 2100.00
EFB2 9/1/2000 75.0 2100.00
EFB2 9/1/2000 76.0 2100.00
EFB2 9/1/2000 77.0 2100.00
EFB2 9/1/2000 78.0 2100.00
EFB2 9/1/2000 79.0 2100.00
EFB2 9/1/2000 80.0 2100.00
EFB2 9/1/2000 81.0 2100.00
EFB2 9/1/2000 82.0 2100.00
EFB2 9/1/2000 83.0 2100.00
EFB2 9/1/2000 84.0 2100.00
EFB2 9/1/2000 85.0 2100.00
EFB2 9/1/2000 1.0 3350.00
EFB2 9/1/2000 2.0 3350.00
EFB2 9/1/2000 3.0 3350.00
EFB2 9/1/2000 4.0 3350.00
EFB2 9/1/2000 5.0 3350.00
EFB2 9/1/2000 6.0 3350.00
EFB2 9/1/2000 7.0 3350.00
EFB2 9/1/2000 8.0 3350.00
EFB2 9/1/2000 9.0 3350.00
EFB2 9/1/2000 10.0 3350.00
EFB2 9/1/2000 11.0 3350.00
EFB2 9/1/2000 12.0 3350.00
EFB2 9/1/2000 13.0 3350.00
EFB2 9/1/2000 14.0 3350.00
EFB2 9/1/2000 15.0 3350.00
EFB2 9/1/2000 16.0 3350.00
EFB2 9/1/2000 17.0 3350.00
EFB2 9/1/2000 18.0 3350.00
EFB2 9/1/2000 19.0 3350.00
EFB2 9/1/2000 20.0 3350.00
EFB2 9/1/2000 21.0 3350.00
EFB2 9/1/2000 22.0 3350.00
EFB2 9/1/2000 23.0 3350.00
EFB2 9/1/2000 24.0 3350.00
EFB2 9/1/2000 25.0 3350.00
EFB2 9/1/2000 26.0 3350.00
EFB2 9/1/2000 27.0 3350.00
EFB2 9/1/2000 28.0 3350.00
EFB2 9/1/2000 29.0 3350.00
EFB2 9/1/2000 30.0 3350.00
EFB2 9/1/2000 31.0 3350.00
EFB2 9/1/2000 32.0 3350.00
EFB2 9/1/2000 33.0 3350.00
EFB2 9/1/2000 34.0 3350.00
EFB2 9/1/2000 35.0 3350.00
EFB2 9/1/2000 36.0 3350.00
EFB2 9/1/2000 37.0 3350.00
EFB2 9/1/2000 38.0 3350.00
EFB2 9/1/2000 39.0 3350.00
EFB2 9/1/2000 40.0 3350.00
EFB2 9/1/2000 41.0 3350.00
EFB2 9/1/2000 42.0 3350.00
EFB2 9/1/2000 43.0 3350.00
EFB2 9/1/2000 44.0 3350.00
EFB2 9/1/2000 45.0 3350.00
EFB2 9/1/2000 46.0 3350.00
EFB2 9/1/2000 47.0 3350.00
EFB2 9/1/2000 48.0 3350.00
EFB2 9/1/2000 49.0 3350.00
EFB2 9/1/2000 50.0 3350.00
EFB2 9/1/2000 51.0 3350.00
EFB2 9/1/2000 52.0 3350.00
EFB2 9/1/2000 53.0 3350.00
EFB2 9/1/2000 54.0 3350.00
EFB2 9/1/2000 55.0 3350.00
EFB2 9/1/2000 56.0 3350.00
EFB2 9/1/2000 57.0 3350.00
EFB2 9/1/2000 58.0 3350.00
EFB2 9/1/2000 59.0 3350.00
EFB2 9/1/2000 60.0 3350.00
EFB2 9/1/2000 61.0 3350.00
EFB2 9/1/2000 62.0 3350.00
EFB2 9/1/2000 63.0 3350.00
EFB2 9/1/2000 64.0 3350.00
EFB2 9/1/2000 65.0 3350.00
EFB2 9/1/2000 66.0 3350.00
EFB2 9/1/2000 67.0 3350.00
EFB2 9/1/2000 68.0 3350.00
EFB2 9/1/2000 69.0 3350.00
EFB2 9/1/2000 70.0 3350.00
EFB2 9/1/2000 71.0 3350.00
EFB2 9/1/2000 72.0 3350.00
EFB2 9/1/2000 73.0 3350.00
EFB2 9/1/2000 74.0 3350.00
EFB2 9/1/2000 75.0 3350.00
EFB2 9/1/2000 76.0 3350.00
EFB2 9/1/2000 77.0 3350.00
EFB2 9/1/2000 78.0 3350.00
EFB2 9/1/2000 79.0 3350.00
EFB2 9/1/2000 80.0 3350.00
EFB2 9/1/2000 81.0 3350.00
EFB2 9/1/2000 82.0 3350.00
EFB2 9/1/2000 83.0 3350.00
EFB2 9/1/2000 84.0 3350.00
EFB2 9/1/2000 85.0 3350.00
EFB2 9/1/2000 1.0 4500.00
EFB2 9/1/2000 2.0 4500.00
EFB2 9/1/2000 3.0 4500.00
EFB2 9/1/2000 4.0 4500.00
EFB2 9/1/2000 5.0 4500.00
EFB2 9/1/2000 6.0 4500.00
EFB2 9/1/2000 7.0 4500.00
EFB2 9/1/2000 8.0 4500.00
EFB2 9/1/2000 9.0 4500.00
EFB2 9/1/2000 10.0 4500.00
EFB2 9/1/2000 11.0 4500.00
EFB2 9/1/2000 12.0 4500.00
EFB2 9/1/2000 13.0 4500.00
EFB2 9/1/2000 14.0 4500.00
EFB2 9/1/2000 15.0 4500.00
EFB2 9/1/2000 16.0 4500.00
EFB2 9/1/2000 17.0 4500.00
EFB2 9/1/2000 18.0 4500.00
EFB2 9/1/2000 19.0 4500.00
EFB2 9/1/2000 20.0 4500.00
EFB2 9/1/2000 21.0 4500.00
EFB2 9/1/2000 22.0 4500.00
EFB2 9/1/2000 23.0 4500.00
EFB2 9/1/2000 24.0 4500.00
EFB2 9/1/2000 25.0 4500.00
EFB2 9/1/2000 26.0 4500.00
EFB2 9/1/2000 27.0 4500.00
EFB2 9/1/2000 28.0 4500.00
EFB2 9/1/2000 29.0 4500.00
EFB2 9/1/2000 30.0 4500.00
EFB2 9/1/2000 31.0 4500.00
EFB2 9/1/2000 32.0 4500.00
EFB2 9/1/2000 33.0 4500.00
EFB2 9/1/2000 34.0 4500.00
EFB2 9/1/2000 35.0 4500.00
EFB2 9/1/2000 36.0 4500.00
EFB2 9/1/2000 37.0 4500.00
EFB2 9/1/2000 38.0 4500.00
EFB2 9/1/2000 39.0 4500.00
EFB2 9/1/2000 40.0 4500.00
EFB2 9/1/2000 41.0 4500.00
EFB2 9/1/2000 42.0 4500.00
EFB2 9/1/2000 43.0 4500.00
EFB2 9/1/2000 44.0 4500.00
EFB2 9/1/2000 45.0 4500.00
EFB2 9/1/2000 46.0 4500.00
EFB2 9/1/2000 47.0 4500.00
EFB2 9/1/2000 48.0 4500.00
EFB2 9/1/2000 49.0 4500.00
EFB2 9/1/2000 50.0 4500.00
EFB2 9/1/2000 51.0 4500.00
EFB2 9/1/2000 52.0 4500.00
EFB2 9/1/2000 53.0 4500.00
EFB2 9/1/2000 54.0 4500.00
EFB2 9/1/2000 55.0 4500.00
EFB2 9/1/2000 56.0 4500.00
EFB2 9/1/2000 57.0 4500.00
EFB2 9/1/2000 58.0 4500.00
EFB2 9/1/2000 59.0 4500.00
EFB2 9/1/2000 60.0 4500.00
EFB2 9/1/2000 61.0 4500.00
EFB2 9/1/2000 62.0 4500.00
EFB2 9/1/2000 63.0 4500.00
EFB2 9/1/2000 64.0 4500.00
EFB2 9/1/2000 65.0 4500.00
EFB2 9/1/2000 66.0 4500.00
EFB2 9/1/2000 67.0 4500.00
EFB2 9/1/2000 68.0 4500.00
EFB2 9/1/2000 69.0 4500.00
EFB2 9/1/2000 70.0 4500.00
EFB2 9/1/2000 71.0 4500.00
EFB2 9/1/2000 72.0 4500.00
EFB2 9/1/2000 73.0 4500.00
EFB2 9/1/2000 74.0 4500.00
EFB2 9/1/2000 75.0 4500.00
EFB2 9/1/2000 76.0 4500.00
EFB2 9/1/2000 77.0 4500.00
EFB2 9/1/2000 78.0 4500.00
EFB2 9/1/2000 79.0 4500.00
EFB2 9/1/2000 80.0 4500.00
EFB2 9/1/2000 81.0 4500.00
EFB2 9/1/2000 82.0 4500.00
EFB2 9/1/2000 83.0 4500.00
EFB2 9/1/2000 84.0 4500.00
EFB2 9/1/2000 85.0 4500.00
EFB2 9/1/2000 1.0 5750.00
EFB2 9/1/2000 2.0 5750.00
EFB2 9/1/2000 3.0 5750.00
EFB2 9/1/2000 4.0 5750.00
EFB2 9/1/2000 5.0 5750.00
EFB2 9/1/2000 6.0 5750.00
EFB2 9/1/2000 7.0 5750.00
EFB2 9/1/2000 8.0 5750.00
EFB2 9/1/2000 9.0 5750.00
EFB2 9/1/2000 10.0 5750.00
EFB2 9/1/2000 11.0 5750.00
EFB2 9/1/2000 12.0 5750.00
EFB2 9/1/2000 13.0 5750.00
EFB2 9/1/2000 14.0 5750.00
EFB2 9/1/2000 15.0 5750.00
EFB2 9/1/2000 16.0 5750.00
EFB2 9/1/2000 17.0 5750.00
EFB2 9/1/2000 18.0 5750.00
EFB2 9/1/2000 19.0 5750.00
EFB2 9/1/2000 20.0 5750.00
EFB2 9/1/2000 21.0 5750.00
EFB2 9/1/2000 22.0 5750.00
EFB2 9/1/2000 23.0 5750.00
EFB2 9/1/2000 24.0 5750.00
EFB2 9/1/2000 25.0 5750.00
EFB2 9/1/2000 26.0 5750.00
EFB2 9/1/2000 27.0 5750.00
EFB2 9/1/2000 28.0 5750.00
EFB2 9/1/2000 29.0 5750.00
EFB2 9/1/2000 30.0 5750.00
EFB2 9/1/2000 31.0 5750.00
EFB2 9/1/2000 32.0 5750.00
EFB2 9/1/2000 33.0 5750.00
EFB2 9/1/2000 34.0 5750.00
EFB2 9/1/2000 35.0 5750.00
EFB2 9/1/2000 36.0 5750.00
EFB2 9/1/2000 37.0 5750.00
EFB2 9/1/2000 38.0 5750.00
EFB2 9/1/2000 39.0 5750.00
EFB2 9/1/2000 40.0 5750.00
EFB2 9/1/2000 41.0 5750.00
EFB2 9/1/2000 42.0 5750.00
EFB2 9/1/2000 43.0 5750.00
EFB2 9/1/2000 44.0 5750.00
EFB2 9/1/2000 45.0 5750.00
EFB2 9/1/2000 46.0 5750.00
EFB2 9/1/2000 47.0 5750.00
EFB2 9/1/2000 48.0 5750.00
EFB2 9/1/2000 49.0 5750.00
EFB2 9/1/2000 50.0 5750.00
EFB2 9/1/2000 51.0 5750.00
EFB2 9/1/2000 52.0 5750.00
EFB2 9/1/2000 53.0 5750.00
EFB2 9/1/2000 54.0 5750.00
EFB2 9/1/2000 55.0 5750.00
EFB2 9/1/2000 56.0 5750.00
EFB2 9/1/2000 57.0 5750.00
EFB2 9/1/2000 58.0 5750.00
EFB2 9/1/2000 59.0 5750.00
EFB2 9/1/2000 60.0 5750.00
EFB2 9/1/2000 61.0 5750.00
EFB2 9/1/2000 62.0 5750.00
EFB2 9/1/2000 63.0 5750.00
EFB2 9/1/2000 64.0 5750.00
EFB2 9/1/2000 65.0 5750.00
EFB2 9/1/2000 66.0 5750.00
EFB2 9/1/2000 67.0 5750.00
EFB2 9/1/2000 68.0 5750.00
EFB2 9/1/2000 69.0 5750.00
EFB2 9/1/2000 70.0 5750.00
EFB2 9/1/2000 71.0 5750.00
EFB2 9/1/2000 72.0 5750.00
EFB2 9/1/2000 73.0 5750.00
EFB2 9/1/2000 74.0 5750.00
EFB2 9/1/2000 75.0 5750.00
EFB2 9/1/2000 76.0 5750.00
EFB2 9/1/2000 77.0 5750.00
EFB2 9/1/2000 78.0 5750.00
EFB2 9/1/2000 79.0 5750.00
EFB2 9/1/2000 80.0 5750.00
EFB2 9/1/2000 81.0 5750.00
EFB2 9/1/2000 82.0 5750.00
EFB2 9/1/2000 83.0 5750.00
EFB2 9/1/2000 84.0 5750.00
EFB2 9/1/2000 85.0 5750.00
EFB2 9/1/2000 1.0 7000.00
EFB2 9/1/2000 2.0 7000.00
EFB2 9/1/2000 3.0 7000.00
EFB2 9/1/2000 4.0 7000.00
EFB2 9/1/2000 5.0 7000.00
EFB2 9/1/2000 6.0 7000.00
EFB2 9/1/2000 7.0 7000.00
EFB2 9/1/2000 8.0 7000.00
EFB2 9/1/2000 9.0 7000.00
EFB2 9/1/2000 10.0 7000.00
EFB2 9/1/2000 11.0 7000.00
EFB2 9/1/2000 12.0 7000.00
EFB2 9/1/2000 13.0 7000.00
EFB2 9/1/2000 14.0 7000.00
EFB2 9/1/2000 15.0 7000.00
EFB2 9/1/2000 16.0 7000.00
EFB2 9/1/2000 17.0 7000.00
EFB2 9/1/2000 18.0 7000.00
EFB2 9/1/2000 19.0 7000.00
EFB2 9/1/2000 20.0 7000.00
EFB2 9/1/2000 21.0 7000.00
EFB2 9/1/2000 22.0 7000.00
EFB2 9/1/2000 23.0 7000.00
EFB2 9/1/2000 24.0 7000.00
EFB2 9/1/2000 25.0 7000.00
EFB2 9/1/2000 26.0 7000.00
EFB2 9/1/2000 27.0 7000.00
EFB2 9/1/2000 28.0 7000.00
EFB2 9/1/2000 29.0 7000.00
EFB2 9/1/2000 30.0 7000.00
EFB2 9/1/2000 31.0 7000.00
EFB2 9/1/2000 32.0 7000.00
EFB2 9/1/2000 33.0 7000.00
EFB2 9/1/2000 34.0 7000.00
EFB2 9/1/2000 35.0 7000.00
EFB2 9/1/2000 36.0 7000.00
EFB2 9/1/2000 37.0 7000.00
EFB2 9/1/2000 38.0 7000.00
EFB2 9/1/2000 39.0 7000.00
EFB2 9/1/2000 40.0 7000.00
EFB2 9/1/2000 41.0 7000.00
EFB2 9/1/2000 42.0 7000.00
EFB2 9/1/2000 43.0 7000.00
EFB2 9/1/2000 44.0 7000.00
EFB2 9/1/2000 45.0 7000.00
EFB2 9/1/2000 46.0 7000.00
EFB2 9/1/2000 47.0 7000.00
EFB2 9/1/2000 48.0 7000.00
EFB2 9/1/2000 49.0 7000.00
EFB2 9/1/2000 50.0 7000.00
EFB2 9/1/2000 51.0 7000.00
EFB2 9/1/2000 52.0 7000.00
EFB2 9/1/2000 53.0 7000.00
EFB2 9/1/2000 54.0 7000.00
EFB2 9/1/2000 55.0 7000.00
EFB2 9/1/2000 56.0 7000.00
EFB2 9/1/2000 57.0 7000.00
EFB2 9/1/2000 58.0 7000.00
EFB2 9/1/2000 59.0 7000.00
EFB2 9/1/2000 60.0 7000.00
EFB2 9/1/2000 61.0 7000.00
EFB2 9/1/2000 62.0 7000.00
EFB2 9/1/2000 63.0 7000.00
EFB2 9/1/2000 64.0 7000.00
EFB2 9/1/2000 65.0 7000.00
EFB2 9/1/2000 66.0 7000.00
EFB2 9/1/2000 67.0 7000.00
EFB2 9/1/2000 68.0 7000.00
EFB2 9/1/2000 69.0 7000.00
EFB2 9/1/2000 70.0 7000.00
EFB2 9/1/2000 71.0 7000.00
EFB2 9/1/2000 72.0 7000.00
EFB2 9/1/2000 73.0 7000.00
EFB2 9/1/2000 74.0 7000.00
EFB2 9/1/2000 75.0 7000.00
EFB2 9/1/2000 76.0 7000.00
EFB2 9/1/2000 77.0 7000.00
EFB2 9/1/2000 78.0 7000.00
EFB2 9/1/2000 79.0 7000.00
EFB2 9/1/2000 80.0 7000.00
EFB2 9/1/2000 81.0 7000.00
EFB2 9/1/2000 82.0 7000.00
EFB2 9/1/2000 83.0 7000.00
EFB2 9/1/2000 84.0 7000.00
EFB2 9/1/2000 85.0 7000.00
Back
RATE
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
4.5
4.5
4.5
4.5
4.5
4.5
4.5
4.5
4.5
4.5
5
5
5
5
5
5
5
5
5
5
5.5
5.5
5.5
5.5
5.5
5.5
5.5
5.5
5.5
5.5
 8
8
8
8
8
8
8
8
8
8
12
12
12
12
12
12
12
12
12
12
17
17
17
17
17
17
17
17
17
17
24
24
24
24
24
24
24
24
24
24
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
9
9
 9
9
9
9
9
9
9
9
10
10
10
10
10
10
10
10
10
10
11
11
11
11
11
11
11
11
11
11
16
16
16
16
16
16
16
16
16
16
24
24
24
24
24
24
24
24
24
24
34
34
34
34
34
34
34
34
34
 34
48
48
48
48
48
48
48
48
48
48
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
13.5
13.5
13.5
13.5
13.5
13.5
13.5
13.5
13.5
13.5
15
15
15
15
15
15
15
15
15
15
16.5
16.5
16.5
16.5
16.5
16.5
16.5
16.5
16.5
16.5
24
24
24
24
24
24
24
24
24
24
36
36
36
36
36
36
36
36
36
36
51
51
51
51
51
51
51
51
51
51
72
72
72
72
72
72
72
72
72
72
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
18
18
18
18
18
18
18
18
18
18
20
20
20
20
20
20
20
20
20
20
22
22
22
22
22
22
22
22
22
22
32
32
32
32
32
32
32
32
32
32
48
48
48
48
48
48
48
48
48
48
68
68
68
68
68
68
68
68
68
68
 96
96
96
96
96
96
96
96
96
96
10
10
10
10
10
10
10
10
10
10
10
10
10
10
10
22.5
22.5
22.5
22.5
22.5
22.5
22.5
22.5
22.5
22.5
25
25
25
25
25
25
25
25
25
25
27.5
27.5
27.5
27.5
27.5
27.5
27.5
27.5
27.5
27.5
40
40
 40
40
40
40
40
40
40
40
60
60
60
60
60
60
60
60
60
60
85
85
85
85
85
85
85
85
85
85
120
120
120
120
120
120
120
120
120
120
12
12
12
12
12
12
12
12
12
12
12
12
12
12
12
27
27
27
27
 27
27
27
27
27
27
30
30
30
30
30
30
30
30
30
30
33
33
33
33
33
33
33
33
33
33
48
48
48
48
48
48
48
48
48
48
72
72
72
72
72
72
72
72
72
72
102
102
102
102
102
102
102
102
102
102
144
144
144
144
144
144
144
144
144
144
Home Formula Home

RATE_TABLE_CODE EFB2
RATE_TABLE_DESC NEW EFFB
IS RATE TERM BASED NO
IS RATE AGE BASED YES (RATEG AGE)
IS RATE COVER_BASED YES
GENDER_BASED NO
OFFICE_SCALING_FACTOR 1
RISK_SCALING_FACTOR 1

RATE_TABLE_CODE RATE_FIRST_DATE RATED AGE COVER_LEVEL RATE

EFB2 9/1/2000 1.0 1000.00 1.54
EFB2 9/1/2000 2.0 1000.00 1.54
EFB2 9/1/2000 3.0 1000.00 1.54
EFB2 9/1/2000 4.0 1000.00 1.54
EFB2 9/1/2000 5.0 1000.00 1.54
EFB2 9/1/2000 6.0 1000.00 1.54
EFB2 9/1/2000 7.0 1000.00 1.54
EFB2 9/1/2000 8.0 1000.00 1.54
EFB2 9/1/2000 9.0 1000.00 1.54
EFB2 9/1/2000 10.0 1000.00 1.54
EFB2 9/1/2000 11.0 1000.00 1.54
EFB2 9/1/2000 12.0 1000.00 1.54
EFB2 9/1/2000 13.0 1000.00 1.54
EFB2 9/1/2000 14.0 1000.00 1.54
EFB2 9/1/2000 15.0 1000.00 1.54
EFB2 9/1/2000 16.0 1000.00 3.47
EFB2 9/1/2000 17.0 1000.00 3.47
EFB2 9/1/2000 18.0 1000.00 3.47
EFB2 9/1/2000 19.0 1000.00 3.47
EFB2 9/1/2000 20.0 1000.00 3.47
EFB2 9/1/2000 21.0 1000.00 3.47
EFB2 9/1/2000 22.0 1000.00 3.47
EFB2 9/1/2000 23.0 1000.00 3.47
EFB2 9/1/2000 24.0 1000.00 3.47
EFB2 9/1/2000 25.0 1000.00 3.47
EFB2 9/1/2000 26.0 1000.00 3.85
EFB2 9/1/2000 27.0 1000.00 3.85
EFB2 9/1/2000 28.0 1000.00 3.85
EFB2 9/1/2000 29.0 1000.00 3.85
EFB2 9/1/2000 30.0 1000.00 3.85
EFB2 9/1/2000 31.0 1000.00 3.85
EFB2 9/1/2000 32.0 1000.00 3.85
EFB2 9/1/2000 33.0 1000.00 3.85
EFB2 9/1/2000 34.0 1000.00 3.85
EFB2 9/1/2000 35.0 1000.00 3.85
EFB2 9/1/2000 36.0 1000.00 4.24
EFB2 9/1/2000 37.0 1000.00 4.24
EFB2 9/1/2000 38.0 1000.00 4.24
EFB2 9/1/2000 39.0 1000.00 4.24
EFB2 9/1/2000 40.0 1000.00 4.24
EFB2 9/1/2000 41.0 1000.00 4.24
EFB2 9/1/2000 42.0 1000.00 4.24
EFB2 9/1/2000 43.0 1000.00 4.24
EFB2 9/1/2000 44.0 1000.00 4.24
EFB2 9/1/2000 45.0 1000.00 4.24
EFB2 9/1/2000 46.0 1000.00 6.16
EFB2 9/1/2000 47.0 1000.00 6.16
EFB2 9/1/2000 48.0 1000.00 6.16
EFB2 9/1/2000 49.0 1000.00 6.16
EFB2 9/1/2000 50.0 1000.00 6.16
EFB2 9/1/2000 51.0 1000.00 6.16
EFB2 9/1/2000 52.0 1000.00 6.16
EFB2 9/1/2000 53.0 1000.00 6.16
EFB2 9/1/2000 54.0 1000.00 6.16
EFB2 9/1/2000 55.0 1000.00 6.16
EFB2 9/1/2000 56.0 1000.00 9.24
EFB2 9/1/2000 57.0 1000.00 9.24
EFB2 9/1/2000 58.0 1000.00 9.24
EFB2 9/1/2000 59.0 1000.00 9.24
EFB2 9/1/2000 60.0 1000.00 9.24
EFB2 9/1/2000 61.0 1000.00 9.24
EFB2 9/1/2000 62.0 1000.00 9.24
EFB2 9/1/2000 63.0 1000.00 9.24
EFB2 9/1/2000 64.0 1000.00 9.24
EFB2 9/1/2000 65.0 1000.00 9.24
EFB2 9/1/2000 66.0 1000.00 13.09
EFB2 9/1/2000 67.0 1000.00 13.09
EFB2 9/1/2000 68.0 1000.00 13.09
EFB2 9/1/2000 69.0 1000.00 13.09
EFB2 9/1/2000 70.0 1000.00 13.09
EFB2 9/1/2000 71.0 1000.00 13.09
EFB2 9/1/2000 72.0 1000.00 13.09
EFB2 9/1/2000 73.0 1000.00 13.09
EFB2 9/1/2000 74.0 1000.00 13.09
EFB2 9/1/2000 75.0 1000.00 13.09
EFB2 9/1/2000 76.0 1000.00 18.48
EFB2 9/1/2000 77.0 1000.00 18.48
EFB2 9/1/2000 78.0 1000.00 18.48
EFB2 9/1/2000 79.0 1000.00 18.48
EFB2 9/1/2000 80.0 1000.00 18.48
EFB2 9/1/2000 81.0 1000.00 18.48
EFB2 9/1/2000 82.0 1000.00 18.48
EFB2 9/1/2000 83.0 1000.00 18.48
EFB2 9/1/2000 84.0 1000.00 18.48
EFB2 9/1/2000 85.0 1000.00 18.48
EFB2 9/1/2000 1.0 2100.00 3.08
EFB2 9/1/2000 2.0 2100.00 3.08
EFB2 9/1/2000 3.0 2100.00 3.08
EFB2 9/1/2000 4.0 2100.00 3.08
EFB2 9/1/2000 5.0 2100.00 3.08
EFB2 9/1/2000 6.0 2100.00 3.08
EFB2 9/1/2000 7.0 2100.00 3.08
EFB2 9/1/2000 8.0 2100.00 3.08
EFB2 9/1/2000 9.0 2100.00 3.08
EFB2 9/1/2000 10.0 2100.00 3.08
EFB2 9/1/2000 11.0 2100.00 3.08
EFB2 9/1/2000 12.0 2100.00 3.08
EFB2 9/1/2000 13.0 2100.00 3.08
EFB2 9/1/2000 14.0 2100.00 3.08
EFB2 9/1/2000 15.0 2100.00 3.08
EFB2 9/1/2000 16.0 2100.00 6.93
EFB2 9/1/2000 17.0 2100.00 6.93
EFB2 9/1/2000 18.0 2100.00 6.93
EFB2 9/1/2000 19.0 2100.00 6.93
EFB2 9/1/2000 20.0 2100.00 6.93
EFB2 9/1/2000 21.0 2100.00 6.93
EFB2 9/1/2000 22.0 2100.00 6.93
EFB2 9/1/2000 23.0 2100.00 6.93
EFB2 9/1/2000 24.0 2100.00 6.93
EFB2 9/1/2000 25.0 2100.00 6.93
EFB2 9/1/2000 26.0 2100.00 7.7
EFB2 9/1/2000 27.0 2100.00 7.7
EFB2 9/1/2000 28.0 2100.00 7.7
EFB2 9/1/2000 29.0 2100.00 7.7
EFB2 9/1/2000 30.0 2100.00 7.7
EFB2 9/1/2000 31.0 2100.00 7.7
EFB2 9/1/2000 32.0 2100.00 7.7
EFB2 9/1/2000 33.0 2100.00 7.7
EFB2 9/1/2000 34.0 2100.00 7.7
EFB2 9/1/2000 35.0 2100.00 7.7
EFB2 9/1/2000 36.0 2100.00 8.47
EFB2 9/1/2000 37.0 2100.00 8.47
EFB2 9/1/2000 38.0 2100.00 8.47
EFB2 9/1/2000 39.0 2100.00 8.47
EFB2 9/1/2000 40.0 2100.00 8.47
EFB2 9/1/2000 41.0 2100.00 8.47
EFB2 9/1/2000 42.0 2100.00 8.47
EFB2 9/1/2000 43.0 2100.00 8.47
EFB2 9/1/2000 44.0 2100.00 8.47
EFB2 9/1/2000 45.0 2100.00 8.47
EFB2 9/1/2000 46.0 2100.00 12.32
EFB2 9/1/2000 47.0 2100.00 12.32
EFB2 9/1/2000 48.0 2100.00 12.32
EFB2 9/1/2000 49.0 2100.00 12.32
EFB2 9/1/2000 50.0 2100.00 12.32
EFB2 9/1/2000 51.0 2100.00 12.32
EFB2 9/1/2000 52.0 2100.00 12.32
EFB2 9/1/2000 53.0 2100.00 12.32
EFB2 9/1/2000 54.0 2100.00 12.32
EFB2 9/1/2000 55.0 2100.00 12.32
EFB2 9/1/2000 56.0 2100.00 18.48
EFB2 9/1/2000 57.0 2100.00 18.48
EFB2 9/1/2000 58.0 2100.00 18.48
EFB2 9/1/2000 59.0 2100.00 18.48
EFB2 9/1/2000 60.0 2100.00 18.48
EFB2 9/1/2000 61.0 2100.00 18.48
EFB2 9/1/2000 62.0 2100.00 18.48
EFB2 9/1/2000 63.0 2100.00 18.48
EFB2 9/1/2000 64.0 2100.00 18.48
EFB2 9/1/2000 65.0 2100.00 18.48
EFB2 9/1/2000 66.0 2100.00 26.18
EFB2 9/1/2000 67.0 2100.00 26.18
EFB2 9/1/2000 68.0 2100.00 26.18
EFB2 9/1/2000 69.0 2100.00 26.18
EFB2 9/1/2000 70.0 2100.00 26.18
EFB2 9/1/2000 71.0 2100.00 26.18
EFB2 9/1/2000 72.0 2100.00 26.18
EFB2 9/1/2000 73.0 2100.00 26.18
EFB2 9/1/2000 74.0 2100.00 26.18
EFB2 9/1/2000 75.0 2100.00 26.18
EFB2 9/1/2000 76.0 2100.00 36.96
EFB2 9/1/2000 77.0 2100.00 36.96
EFB2 9/1/2000 78.0 2100.00 36.96
EFB2 9/1/2000 79.0 2100.00 36.96
EFB2 9/1/2000 80.0 2100.00 36.96
EFB2 9/1/2000 81.0 2100.00 36.96
EFB2 9/1/2000 82.0 2100.00 36.96
EFB2 9/1/2000 83.0 2100.00 36.96
EFB2 9/1/2000 84.0 2100.00 36.96
EFB2 9/1/2000 85.0 2100.00 36.96
EFB2 9/1/2000 1.0 3350.00 4.62
EFB2 9/1/2000 2.0 3350.00 4.62
EFB2 9/1/2000 3.0 3350.00 4.62
EFB2 9/1/2000 4.0 3350.00 4.62
EFB2 9/1/2000 5.0 3350.00 4.62
EFB2 9/1/2000 6.0 3350.00 4.62
EFB2 9/1/2000 7.0 3350.00 4.62
EFB2 9/1/2000 8.0 3350.00 4.62
EFB2 9/1/2000 9.0 3350.00 4.62
EFB2 9/1/2000 10.0 3350.00 4.62
EFB2 9/1/2000 11.0 3350.00 4.62
EFB2 9/1/2000 12.0 3350.00 4.62
EFB2 9/1/2000 13.0 3350.00 4.62
EFB2 9/1/2000 14.0 3350.00 4.62
EFB2 9/1/2000 15.0 3350.00 4.62
EFB2 9/1/2000 16.0 3350.00 10.4
EFB2 9/1/2000 17.0 3350.00 10.4
EFB2 9/1/2000 18.0 3350.00 10.4
EFB2 9/1/2000 19.0 3350.00 10.4
EFB2 9/1/2000 20.0 3350.00 10.4
EFB2 9/1/2000 21.0 3350.00 10.4
EFB2 9/1/2000 22.0 3350.00 10.4
EFB2 9/1/2000 23.0 3350.00 10.4
EFB2 9/1/2000 24.0 3350.00 10.4
EFB2 9/1/2000 25.0 3350.00 10.4
EFB2 9/1/2000 26.0 3350.00 11.55
EFB2 9/1/2000 27.0 3350.00 11.55
EFB2 9/1/2000 28.0 3350.00 11.55
EFB2 9/1/2000 29.0 3350.00 11.55
EFB2 9/1/2000 30.0 3350.00 11.55
EFB2 9/1/2000 31.0 3350.00 11.55
EFB2 9/1/2000 32.0 3350.00 11.55
EFB2 9/1/2000 33.0 3350.00 11.55
EFB2 9/1/2000 34.0 3350.00 11.55
EFB2 9/1/2000 35.0 3350.00 11.55
EFB2 9/1/2000 36.0 3350.00 12.71
EFB2 9/1/2000 37.0 3350.00 12.71
EFB2 9/1/2000 38.0 3350.00 12.71
EFB2 9/1/2000 39.0 3350.00 12.71
EFB2 9/1/2000 40.0 3350.00 12.71
EFB2 9/1/2000 41.0 3350.00 12.71
EFB2 9/1/2000 42.0 3350.00 12.71
EFB2 9/1/2000 43.0 3350.00 12.71
EFB2 9/1/2000 44.0 3350.00 12.71
EFB2 9/1/2000 45.0 3350.00 12.71
EFB2 9/1/2000 46.0 3350.00 18.48
EFB2 9/1/2000 47.0 3350.00 18.48
EFB2 9/1/2000 48.0 3350.00 18.48
EFB2 9/1/2000 49.0 3350.00 18.48
EFB2 9/1/2000 50.0 3350.00 18.48
EFB2 9/1/2000 51.0 3350.00 18.48
EFB2 9/1/2000 52.0 3350.00 18.48
EFB2 9/1/2000 53.0 3350.00 18.48
EFB2 9/1/2000 54.0 3350.00 18.48
EFB2 9/1/2000 55.0 3350.00 18.48
EFB2 9/1/2000 56.0 3350.00 27.72
EFB2 9/1/2000 57.0 3350.00 27.72
EFB2 9/1/2000 58.0 3350.00 27.72
EFB2 9/1/2000 59.0 3350.00 27.72
EFB2 9/1/2000 60.0 3350.00 27.72
EFB2 9/1/2000 61.0 3350.00 27.72
EFB2 9/1/2000 62.0 3350.00 27.72
EFB2 9/1/2000 63.0 3350.00 27.72
EFB2 9/1/2000 64.0 3350.00 27.72
EFB2 9/1/2000 65.0 3350.00 27.72
EFB2 9/1/2000 66.0 3350.00 39.27
EFB2 9/1/2000 67.0 3350.00 39.27
EFB2 9/1/2000 68.0 3350.00 39.27
EFB2 9/1/2000 69.0 3350.00 39.27
EFB2 9/1/2000 70.0 3350.00 39.27
EFB2 9/1/2000 71.0 3350.00 39.27
EFB2 9/1/2000 72.0 3350.00 39.27
EFB2 9/1/2000 73.0 3350.00 39.27
EFB2 9/1/2000 74.0 3350.00 39.27
EFB2 9/1/2000 75.0 3350.00 39.27
EFB2 9/1/2000 76.0 3350.00 55.44
EFB2 9/1/2000 77.0 3350.00 55.44
EFB2 9/1/2000 78.0 3350.00 55.44
EFB2 9/1/2000 79.0 3350.00 55.44
EFB2 9/1/2000 80.0 3350.00 55.44
EFB2 9/1/2000 81.0 3350.00 55.44
EFB2 9/1/2000 82.0 3350.00 55.44
EFB2 9/1/2000 83.0 3350.00 55.44
EFB2 9/1/2000 84.0 3350.00 55.44
EFB2 9/1/2000 85.0 3350.00 55.44
EFB2 9/1/2000 1.0 4500.00 6.16
EFB2 9/1/2000 2.0 4500.00 6.16
EFB2 9/1/2000 3.0 4500.00 6.16
EFB2 9/1/2000 4.0 4500.00 6.16
EFB2 9/1/2000 5.0 4500.00 6.16
EFB2 9/1/2000 6.0 4500.00 6.16
EFB2 9/1/2000 7.0 4500.00 6.16
EFB2 9/1/2000 8.0 4500.00 6.16
EFB2 9/1/2000 9.0 4500.00 6.16
EFB2 9/1/2000 10.0 4500.00 6.16
EFB2 9/1/2000 11.0 4500.00 6.16
EFB2 9/1/2000 12.0 4500.00 6.16
EFB2 9/1/2000 13.0 4500.00 6.16
EFB2 9/1/2000 14.0 4500.00 6.16
EFB2 9/1/2000 15.0 4500.00 6.16
EFB2 9/1/2000 16.0 4500.00 13.86
EFB2 9/1/2000 17.0 4500.00 13.86
EFB2 9/1/2000 18.0 4500.00 13.86
EFB2 9/1/2000 19.0 4500.00 13.86
EFB2 9/1/2000 20.0 4500.00 13.86
EFB2 9/1/2000 21.0 4500.00 13.86
EFB2 9/1/2000 22.0 4500.00 13.86
EFB2 9/1/2000 23.0 4500.00 13.86
EFB2 9/1/2000 24.0 4500.00 13.86
EFB2 9/1/2000 25.0 4500.00 13.86
EFB2 9/1/2000 26.0 4500.00 15.4
EFB2 9/1/2000 27.0 4500.00 15.4
EFB2 9/1/2000 28.0 4500.00 15.4
EFB2 9/1/2000 29.0 4500.00 15.4
EFB2 9/1/2000 30.0 4500.00 15.4
EFB2 9/1/2000 31.0 4500.00 15.4
EFB2 9/1/2000 32.0 4500.00 15.4
EFB2 9/1/2000 33.0 4500.00 15.4
EFB2 9/1/2000 34.0 4500.00 15.4
EFB2 9/1/2000 35.0 4500.00 15.4
EFB2 9/1/2000 36.0 4500.00 16.94
EFB2 9/1/2000 37.0 4500.00 16.94
EFB2 9/1/2000 38.0 4500.00 16.94
EFB2 9/1/2000 39.0 4500.00 16.94
EFB2 9/1/2000 40.0 4500.00 16.94
EFB2 9/1/2000 41.0 4500.00 16.94
EFB2 9/1/2000 42.0 4500.00 16.94
EFB2 9/1/2000 43.0 4500.00 16.94
EFB2 9/1/2000 44.0 4500.00 16.94
EFB2 9/1/2000 45.0 4500.00 16.94
EFB2 9/1/2000 46.0 4500.00 24.64
EFB2 9/1/2000 47.0 4500.00 24.64
EFB2 9/1/2000 48.0 4500.00 24.64
EFB2 9/1/2000 49.0 4500.00 24.64
EFB2 9/1/2000 50.0 4500.00 24.64
EFB2 9/1/2000 51.0 4500.00 24.64
EFB2 9/1/2000 52.0 4500.00 24.64
EFB2 9/1/2000 53.0 4500.00 24.64
EFB2 9/1/2000 54.0 4500.00 24.64
EFB2 9/1/2000 55.0 4500.00 24.64
EFB2 9/1/2000 56.0 4500.00 36.96
EFB2 9/1/2000 57.0 4500.00 36.96
EFB2 9/1/2000 58.0 4500.00 36.96
EFB2 9/1/2000 59.0 4500.00 36.96
EFB2 9/1/2000 60.0 4500.00 36.96
EFB2 9/1/2000 61.0 4500.00 36.96
EFB2 9/1/2000 62.0 4500.00 36.96
EFB2 9/1/2000 63.0 4500.00 36.96
EFB2 9/1/2000 64.0 4500.00 36.96
EFB2 9/1/2000 65.0 4500.00 36.96
EFB2 9/1/2000 66.0 4500.00 52.36
EFB2 9/1/2000 67.0 4500.00 52.36
EFB2 9/1/2000 68.0 4500.00 52.36
EFB2 9/1/2000 69.0 4500.00 52.36
EFB2 9/1/2000 70.0 4500.00 52.36
EFB2 9/1/2000 71.0 4500.00 52.36
EFB2 9/1/2000 72.0 4500.00 52.36
EFB2 9/1/2000 73.0 4500.00 52.36
EFB2 9/1/2000 74.0 4500.00 52.36
EFB2 9/1/2000 75.0 4500.00 52.36
EFB2 9/1/2000 76.0 4500.00 73.92
EFB2 9/1/2000 77.0 4500.00 73.92
EFB2 9/1/2000 78.0 4500.00 73.92
EFB2 9/1/2000 79.0 4500.00 73.92
EFB2 9/1/2000 80.0 4500.00 73.92
EFB2 9/1/2000 81.0 4500.00 73.92
EFB2 9/1/2000 82.0 4500.00 73.92
EFB2 9/1/2000 83.0 4500.00 73.92
EFB2 9/1/2000 84.0 4500.00 73.92
EFB2 9/1/2000 85.0 4500.00 73.92
EFB2 9/1/2000 1.0 5750.00 7.7
EFB2 9/1/2000 2.0 5750.00 7.7
EFB2 9/1/2000 3.0 5750.00 7.7
EFB2 9/1/2000 4.0 5750.00 7.7
EFB2 9/1/2000 5.0 5750.00 7.7
EFB2 9/1/2000 6.0 5750.00 7.7
EFB2 9/1/2000 7.0 5750.00 7.7
EFB2 9/1/2000 8.0 5750.00 7.7
EFB2 9/1/2000 9.0 5750.00 7.7
EFB2 9/1/2000 10.0 5750.00 7.7
EFB2 9/1/2000 11.0 5750.00 7.7
EFB2 9/1/2000 12.0 5750.00 7.7
EFB2 9/1/2000 13.0 5750.00 7.7
EFB2 9/1/2000 14.0 5750.00 7.7
EFB2 9/1/2000 15.0 5750.00 7.7
EFB2 9/1/2000 16.0 5750.00 17.33
EFB2 9/1/2000 17.0 5750.00 17.33
EFB2 9/1/2000 18.0 5750.00 17.33
EFB2 9/1/2000 19.0 5750.00 17.33
EFB2 9/1/2000 20.0 5750.00 17.33
EFB2 9/1/2000 21.0 5750.00 17.33
EFB2 9/1/2000 22.0 5750.00 17.33
EFB2 9/1/2000 23.0 5750.00 17.33
EFB2 9/1/2000 24.0 5750.00 17.33
EFB2 9/1/2000 25.0 5750.00 17.33
EFB2 9/1/2000 26.0 5750.00 19.25
EFB2 9/1/2000 27.0 5750.00 19.25
EFB2 9/1/2000 28.0 5750.00 19.25
EFB2 9/1/2000 29.0 5750.00 19.25
EFB2 9/1/2000 30.0 5750.00 19.25
EFB2 9/1/2000 31.0 5750.00 19.25
EFB2 9/1/2000 32.0 5750.00 19.25
EFB2 9/1/2000 33.0 5750.00 19.25
EFB2 9/1/2000 34.0 5750.00 19.25
EFB2 9/1/2000 35.0 5750.00 19.25
EFB2 9/1/2000 36.0 5750.00 21.18
EFB2 9/1/2000 37.0 5750.00 21.18
EFB2 9/1/2000 38.0 5750.00 21.18
EFB2 9/1/2000 39.0 5750.00 21.18
EFB2 9/1/2000 40.0 5750.00 21.18
EFB2 9/1/2000 41.0 5750.00 21.18
EFB2 9/1/2000 42.0 5750.00 21.18
EFB2 9/1/2000 43.0 5750.00 21.18
EFB2 9/1/2000 44.0 5750.00 21.18
EFB2 9/1/2000 45.0 5750.00 21.18
EFB2 9/1/2000 46.0 5750.00 30.8
EFB2 9/1/2000 47.0 5750.00 30.8
EFB2 9/1/2000 48.0 5750.00 30.8
EFB2 9/1/2000 49.0 5750.00 30.8
EFB2 9/1/2000 50.0 5750.00 30.8
EFB2 9/1/2000 51.0 5750.00 30.8
EFB2 9/1/2000 52.0 5750.00 30.8
EFB2 9/1/2000 53.0 5750.00 30.8
EFB2 9/1/2000 54.0 5750.00 30.8
EFB2 9/1/2000 55.0 5750.00 30.8
EFB2 9/1/2000 56.0 5750.00 46.2
EFB2 9/1/2000 57.0 5750.00 46.2
EFB2 9/1/2000 58.0 5750.00 46.2
EFB2 9/1/2000 59.0 5750.00 46.2
EFB2 9/1/2000 60.0 5750.00 46.2
EFB2 9/1/2000 61.0 5750.00 46.2
EFB2 9/1/2000 62.0 5750.00 46.2
EFB2 9/1/2000 63.0 5750.00 46.2
EFB2 9/1/2000 64.0 5750.00 46.2
EFB2 9/1/2000 65.0 5750.00 46.2
EFB2 9/1/2000 66.0 5750.00 65.45
EFB2 9/1/2000 67.0 5750.00 65.45
EFB2 9/1/2000 68.0 5750.00 65.45
EFB2 9/1/2000 69.0 5750.00 65.45
EFB2 9/1/2000 70.0 5750.00 65.45
EFB2 9/1/2000 71.0 5750.00 65.45
EFB2 9/1/2000 72.0 5750.00 65.45
EFB2 9/1/2000 73.0 5750.00 65.45
EFB2 9/1/2000 74.0 5750.00 65.45
EFB2 9/1/2000 75.0 5750.00 65.45
EFB2 9/1/2000 76.0 5750.00 92.4
EFB2 9/1/2000 77.0 5750.00 92.4
EFB2 9/1/2000 78.0 5750.00 92.4
EFB2 9/1/2000 79.0 5750.00 92.4
EFB2 9/1/2000 80.0 5750.00 92.4
EFB2 9/1/2000 81.0 5750.00 92.4
EFB2 9/1/2000 82.0 5750.00 92.4
EFB2 9/1/2000 83.0 5750.00 92.4
EFB2 9/1/2000 84.0 5750.00 92.4
EFB2 9/1/2000 85.0 5750.00 92.4
EFB2 9/1/2000 1.0 7000.00 9.24
EFB2 9/1/2000 2.0 7000.00 9.24
EFB2 9/1/2000 3.0 7000.00 9.24
EFB2 9/1/2000 4.0 7000.00 9.24
EFB2 9/1/2000 5.0 7000.00 9.24
EFB2 9/1/2000 6.0 7000.00 9.24
EFB2 9/1/2000 7.0 7000.00 9.24
EFB2 9/1/2000 8.0 7000.00 9.24
EFB2 9/1/2000 9.0 7000.00 9.24
EFB2 9/1/2000 10.0 7000.00 9.24
EFB2 9/1/2000 11.0 7000.00 9.24
EFB2 9/1/2000 12.0 7000.00 9.24
EFB2 9/1/2000 13.0 7000.00 9.24
EFB2 9/1/2000 14.0 7000.00 9.24
EFB2 9/1/2000 15.0 7000.00 9.24
EFB2 9/1/2000 16.0 7000.00 20.79
EFB2 9/1/2000 17.0 7000.00 20.79
EFB2 9/1/2000 18.0 7000.00 20.79
EFB2 9/1/2000 19.0 7000.00 20.79
EFB2 9/1/2000 20.0 7000.00 20.79
EFB2 9/1/2000 21.0 7000.00 20.79
EFB2 9/1/2000 22.0 7000.00 20.79
EFB2 9/1/2000 23.0 7000.00 20.79
EFB2 9/1/2000 24.0 7000.00 20.79
EFB2 9/1/2000 25.0 7000.00 20.79
EFB2 9/1/2000 26.0 7000.00 23.1
EFB2 9/1/2000 27.0 7000.00 23.1
EFB2 9/1/2000 28.0 7000.00 23.1
EFB2 9/1/2000 29.0 7000.00 23.1
EFB2 9/1/2000 30.0 7000.00 23.1
EFB2 9/1/2000 31.0 7000.00 23.1
EFB2 9/1/2000 32.0 7000.00 23.1
EFB2 9/1/2000 33.0 7000.00 23.1
EFB2 9/1/2000 34.0 7000.00 23.1
EFB2 9/1/2000 35.0 7000.00 23.1
EFB2 9/1/2000 36.0 7000.00 25.41
EFB2 9/1/2000 37.0 7000.00 25.41
EFB2 9/1/2000 38.0 7000.00 25.41
EFB2 9/1/2000 39.0 7000.00 25.41
EFB2 9/1/2000 40.0 7000.00 25.41
EFB2 9/1/2000 41.0 7000.00 25.41
EFB2 9/1/2000 42.0 7000.00 25.41
EFB2 9/1/2000 43.0 7000.00 25.41
EFB2 9/1/2000 44.0 7000.00 25.41
EFB2 9/1/2000 45.0 7000.00 25.41
EFB2 9/1/2000 46.0 7000.00 36.96
EFB2 9/1/2000 47.0 7000.00 36.96
EFB2 9/1/2000 48.0 7000.00 36.96
EFB2 9/1/2000 49.0 7000.00 36.96
EFB2 9/1/2000 50.0 7000.00 36.96
EFB2 9/1/2000 51.0 7000.00 36.96
EFB2 9/1/2000 52.0 7000.00 36.96
EFB2 9/1/2000 53.0 7000.00 36.96
EFB2 9/1/2000 54.0 7000.00 36.96
EFB2 9/1/2000 55.0 7000.00 36.96
EFB2 9/1/2000 56.0 7000.00 55.44
EFB2 9/1/2000 57.0 7000.00 55.44
EFB2 9/1/2000 58.0 7000.00 55.44
EFB2 9/1/2000 59.0 7000.00 55.44
EFB2 9/1/2000 60.0 7000.00 55.44
EFB2 9/1/2000 61.0 7000.00 55.44
EFB2 9/1/2000 62.0 7000.00 55.44
EFB2 9/1/2000 63.0 7000.00 55.44
EFB2 9/1/2000 64.0 7000.00 55.44
EFB2 9/1/2000 65.0 7000.00 55.44
EFB2 9/1/2000 66.0 7000.00 78.54
EFB2 9/1/2000 67.0 7000.00 78.54
EFB2 9/1/2000 68.0 7000.00 78.54
EFB2 9/1/2000 69.0 7000.00 78.54
EFB2 9/1/2000 70.0 7000.00 78.54
EFB2 9/1/2000 71.0 7000.00 78.54
EFB2 9/1/2000 72.0 7000.00 78.54
EFB2 9/1/2000 73.0 7000.00 78.54
EFB2 9/1/2000 74.0 7000.00 78.54
EFB2 9/1/2000 75.0 7000.00 78.54
EFB2 9/1/2000 76.0 7000.00 110.88
EFB2 9/1/2000 77.0 7000.00 110.88
EFB2 9/1/2000 78.0 7000.00 110.88
EFB2 9/1/2000 79.0 7000.00 110.88
EFB2 9/1/2000 80.0 7000.00 110.88
EFB2 9/1/2000 81.0 7000.00 110.88
EFB2 9/1/2000 82.0 7000.00 110.88
EFB2 9/1/2000 83.0 7000.00 110.88
EFB2 9/1/2000 84.0 7000.00 110.88
EFB2 9/1/2000 85.0 7000.00 110.88
Home Formula Home

PRODUCT_CODE FACTOR_FIRST_DATE PAYMENT_FREQUENCY FACTOR

ULP1 1-Jan-02 0.00 100
ULP1 1-Jan-02 1.00 95.25
ULP1 1-Jan-02 2.00 98.67
ULP1 1-Jan-02 4.00 99.55
ULP1 1-Jan-02 12.00 100