4235.1 REV-1

Appendix 20

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Factors for Determining Borrower\'s Principal Limit

Factor - Shared Premium Points

I n t e r e s t R a t e

Age 7.000 7.125 7.250 7.375 7.500 7.625 7.750 7.875

62 .457-28 .445-29 .434-30 .423-31 .412-32 .401-33 .391-34 .381-35

63 .468-27 .456-27 .445-28 .433-29 .423-31 .412-32 .402-33 .392-34

64 .478-25 .467-26 .456-27 .445-28 .434-29 .423-30 .413-31 .403-32

65 .489-23 .478-24 .467-25 .456-26 .445-27 .435-28 .425-29 .415-30

66 .501-22 .489-23 .478-24 .467-25 .457-26 .446-27 .436-28 .427-29

67 .512-21 .501-22 .490-22 .479-23 .469-24 .458-25 .448-26 .439-27

68 .523-19 .512-20 .502-21 .491-22 .481-23 .471-24 .461-25 .451-26

69 .535-18 .524-19 .514-20 .503-20 .493-21 .483-22 .473-23 .464-24

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

70 .547-17 .536-17 .526-18 .516-19 .506-20 .496-21 .486-22 .477-23

71 .559-15 .549-16 .538-17 .528-18 .518-18 .509-19 .499-20 .490-21

72 .571-14 .561-15 .551-16 .541-16 .532-17 .522-18 .513-19 .503-20

73 .584-13 .574-14 .564-14 .554-15 .545-16 .535-17 .526-17 .517-18

74 .596-12 .587-13 .577-13 .567-14 .558-15 .549-15 .540-16 .531-17

75 .609-11 .599-11 .590-12 .581-13 .572-13 .563-14 .554-15 .545-15

76 .622-10 .613-10 .604-11 .594-11 .586-12 .577-13 .568-13 .560-14

77 .635-09 .626-09 .617-10 .608-10 .600-11 .591-12 .583-12 .574-13

78 .648-08 .639-08 .631-09 .622-09 .614-10 .605-10 .597-11 .589-12

79 .661-07 .653-07 .644-08 .636-08 .628-09 .620-09 .612-10 .604-11

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

80 .674-06 .666-06 .658-07 .650-07 .642-08 .634-08 .626-09 .619-09

81 .687-05 .679-06 .672-06 .664-06 .656-07 .649-07 .641-08 .634-08

82 .700-05- .693-05 .685-05 .678-06 .670-06 .663-06 .656-07 .648-07

83 .713-05- .706-05- .698-05- .691-05 .684-05 .677-05 .670-06 .663-06

84 .726-05- .719-05- .712-05- .705-05- .698-05- .691-05- .684-05 .678-05

85 .738-05- .731-05- .725-05- .718-05- .712-05- .705-05- .699-05-
.692-05-\*

86 .750-05- .744-05- .738-05- .731-05- .725-05- .719-05- .713-05-
.706-05-\*

87 .762-05- .756-05- .750-05- .744-05- .738-05- .732-05- .726-05-
.721-05-\*

88 .774-05- .769-05- .763-05- .757-05- .751-05- .746-05- .740-05-
.734-05-\*

89 .786-05- .781-05- .775-05- .770-05- .765-05- .759-05- .754-05-
.748-05-\*

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

90 .798-05- .793-05- .788-05- .783-05- .778-05- .773-05- .768-05-
.762-05-\*

91 .810-05- .805-05- .800-05- .796-05- .791-05- .786-05- .781-05-
.776-05-\*

92 .822-05- .817-05- .813-05- .808-05- .804-05- .799-05- .795-05-
.790-05-\*

93 .834-05- .830-05- .825-05- .821-05- .817-05- .813-05- .809-05-
.805-05-\*

94 .846-05- .842-05- .838-05- .835-05- .831-05- .827-05- .823-05-
.819-05-\*

95 .859-05- .856-05- .852-05- .849-05- .846-05- .842-05- .839-05-
.835-05-\*

96 .859-05- .856-05- .852-05- .849-05- .846-05- .842-05- .839-05-
.835-05-\*

97 .859-05- .856-05- .852-05- .849-05- .846-05- .842-05- .839-05-
.835-05-\*

98 .859-05- .856-05- .852-05- .849-05- .846-05- .842-05- .839-05-
.835-05-\*

99 .859-05- .856-05- .852-05- .849-05- .846-05- .842-05- .839-05-
.835-05-\*

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

\* Indicates END-OF-LINE HYPHENS.

Page 1 of 9

4235.1 REV-1

Appendix 20

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Factors for Determining Borrowers Principal Limit

Factor - Shared Premium Points

I n t e r e s t R a t e

Age 8.000 8.125 8.250 8.375 8.500 8.625 8.750 8.875

62 .371-36 .361-37 .352-39 .343-40 .335-41 .326-42 .318-43 .310-45

63 .382-35 .373-36 .363-37 .354-38 .346-39 .337-40 .329-42 .321-43

64 .393-33 .384-34 .375-35 .366-36 .357-38 .348-39 .340-40 .332-41

65 .405-31 .396-33 .386-34 .377-35 .369-36 .360-37 .352-38 .344-39

66 .417-30 .407-31 .398-32 .389-33 .381-34 .372-35 .364-36 .356-37

67 .429-28 .420-29 .411-30 .402-31 .393-32 .384-33 .376-34 .368-36

68 .442-27 .432-28 .423-29 .414-30 .406-31 .397-32 .389-33 .381-34

69 .454-25 .445-26 .436-27 .427-28 .419-29 .410-30 .402-31 .394-32

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

70 .467-23 .452-24 .449-25 .441-26 .432-27 .424-28 .415-29 .407-30

71 .481-22 .472-23 .463-24 .454-25 .446-26 .437-27 .429-28 .421-29

72 .494-20 .485-21 .477-22 .468-23 .460-24 .451-25 .443-26 .435-27

73 .508-19 .499-20 .491-21 .482-21 .474-22 .466-23 .458-24 .450-25

74 .522-18 .514-18 .505-19 .497-20 .489-21 .481-22 .473-23 .465-24

75 .537-16 .528-17 .520-18 .512-19 .503-19 .496-20 .488-21 .480-22

76 .551-15 .543-16 .535-16 .527-17 .519-18 .511-19 .503-20 .495-20

77 .566-14 .558-14 .550-15 .542-16 .534-16 .526-17 .519-18 .511-19

78 .521-12 .573-13 .565-14 .557-14 .550-15 .542-16 .535-17 .527-17

79 .596-11 .588-12 .581-12 .573-13 .565-14 .558-14 .551-15 .544-16

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

80 .611-10 .604-11 .596-11 .589-12 .581-12 .574-13 .567-14 .560-14

81 .626-09 .619-09 .612-10 .604-10 .597-11 .590-12 .583-12 .576-13

82 .641-08 .634-08 .627-09 .620-09 .613-10 .606-10 .599-11 .593-11

83 .656-06 .649-07 .642-07 .636-08 .629-08 .622-09 .616-09 .609-10

84 .671-05 .664-06 .658-06 .651-06 .645-07 .638-07 .632-08 .625-08

85 .686-05- .679-05- .673-05 .667-05 .660-06 .654-06 .648-06 .642-07

86 .700-05- .694-05- .668-05- .682-05- .676-05- .670-05 .664-05 .658-05

87 .715-05- .709-05- .703-05- .697-05- .691-05- .686-05- .680-05-
.674-05-\*

88 .729-05- .723-05- .718-05- .712-05- .707-05- .701-05- .696-05-
.690-05-\*

89 .743-05- .738-05- .732-05- .727-05- .722-05- .717-05- .711-05-
.706-05-\*

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

90 .757-05- .752-05- .747-05- .742-05- .737-05- .732-05- .727-05-
.722-05-\*

91 .772-05- .767-05- .762-05- .757-05- .753-05- .748-05- .743-05-
.739-05-\*

92 .786-05- .782-05- .777-05- .773-05- .768-05- .764-05- .759-05-
.755-05-\*

93 .800-05- .796-05- .792-05- .788-05- .784-05- .780-05- .776-05-
.772-05-\*

94 .816-05- .812-05- .808-05- .804-05- .800-05- .797-05- .793-05-
.789-05-\*

95 .832-05- .829-05- .825-05- .822-05- .818-05- .815-05- .812-05-
.808-05-\*

96 .832-05- .829-05- .825-05- .822-05- .818-05- .815-05- .812-05-
.808-05-\*

97 .832-05- .829-05- .825-05- .822-05- .818-05- .815-05- .812-05-
.808-05-\*

98 .832-05- .829-05- .825-05- .822-05- .818-05- .815-05- .812-05-
.808-05-\*

99 .832-05- .829-05- .825-05- .822-05- .818-05- .815-05- .812-05-
.808-05-\*

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Page 2 of 9

4235.1 REV-1

Appendix 20

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Factors for Determining Borrowers Principal Limit

Factor - Shared Premium Points

I n t e r e s t R a t e

Age 9.000 9.125 9.250 9.375 9.500 9.625 9.750 9.875

62 .302-46 .294-47 .287-48 .280-50 .273-50+ .267-50+ .260-50+ .253-50+

63 .313-44 .305-45 .298-46 .291-48 .284-49 .277-50 .270-50+ .264-50+

64 .324-42 .316-43 .309-45 .302-46 .295-47 .288-48 .281-50 .275-50+

65 .336-40 .328-41 .321-43 .313-44 .306-45 .299-46 .292-47 .286-49

66 .348-39 .340-40 .333-41 .325-42 .318-43 .311-44 .304-46 .298-47

67 .360-37 .352-38 .345-39 .337-40 .330-41 .323-42 .316-44 .310-45

68 .373-35 .365-36 .358-37 .350-38 .343-39 .336-41 .329-42 .322-43

69 .386-33 .378-34 .371-35 .363-36 .356-38 .349-39 .342-40 .335-41

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

70 .400-31 .392-32 .384-33 .377-35 .370-36 .362-37 .356-38 .349-39

71 .413-30 .406-31 .398-32 .391-33 .383-34 .376-35 .369-36 .363-37

72 .428-28 .420-29 .412-30 .405-31 .398-32 .391-33 .384-34 .377-35

73 .442-26 .435-27 .427-28 .420-29 .413-30 .405-31 .399-32 .392-33

74 .457-24 .450-25 .442-26 .435-27 .428-28 .421-29 .414-30 .407-31

75 .472-23 .465-24 .458-25 .450-25 .443-26 .436-27 .429-28 .423-30

76 .488-21 .481-22 .473-23 .466-24 .459-25 .452-26 .445-27 .439-28

77 .504-20 .497-21 .489-21 .482-22 .475-23 .468-24 .462-25 .455-26

78 .520-18 .513-19 .506-20 .499-21 .492-21 .485-22 .478-23 .472-24

79 .536-16 .529-17 .522-18 .515-19 .509-20 .502-20 .495-21 .489-22

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

80 .553-15 .546-16 .539-16 .532-17 .526-18 .519-19 .513-20 .506-20

81 .569-13 .563-14 .556-15 .549-15 .543-16 .536-17 .530-19 .524-19

82 .586-12 .579-13 .573-13 .566-14 .560-14 .554-15 .547-16 .541-17

83 .603-10 .596-11 .590-12 .584-12 .577-13 .571-13 .565-14 .559-15

84 .619-09 .613-09 .607-10 .601-10 .595-11 .588-11 .583-12 .577-13

85 .636-07 .630-08 .624-08 .618-09 .612-09 .606-10 .600-10 .594-11

86 .652-06 .646-06 .640-06 .635-07 .629-07 .623-07 .618-08 .612-09

87 .668-05- .663-05- .657-05 .652-05 .646-05 .641-06 .635-06 .630-06

88 .685-05- .679-05- .674-05- .669-05- .663-05- .658-05- .653-05-
.647-05-\*

89 .701-05- .696-05- .691-05- .685-05- .680-05- .675-05- .670-05-
.665-05-\*

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

90 .717-05- .712-05- .707-05- .703-05- .698-05- .693-05- .688-05-
.683-05-\*

91 .734-05- .729-05- .724-05- .720-05- .715-05- .711-05- .706-05-
.701-05-\*

92 .750-05- .746-05- .742-05- .737-05- .733-05- .729-05- .724-05-
.720-05-\*

93 .767-05- .763-05- .759-05- .755-05- .751-05- .747-05- .743-05-
.739-05-\*

94 .785-05- .782-05- .778-05- .774-05- .770-05- .767-05- .763-05-
.759-05-\*

95 .805-05- .801-05- .798-05- .795-05- .791-05- .788-05- .785-05-
.781-05-\*

96 .805-05- .801-05- .798-05- .795-05- .791-05- .788-05- .785-05-
.781-05-\*

97 .805-05- .801-05- .798-05- .795-05- .791-05- .788-05- .785-05-
.781-05-\*

98 .805-05- .801-05- .798-05- .795-05- .791-05- .788-05- .785-05-
.781-05-\*

99 .805-05- .801-05- .798-05- .795-05- .791-05- .788-05- .795-05-
.781-05-\*

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Page 3 of 9

4235.1 REV-1

Appendix 20

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Factors for Determining Borrowers Principal Limit

Factor - Shared Premium Points

I n t e r e s t R a t e

Age 10.000 10.125 10.250 10.375 10.500 10.625 10.750 10.875

62 .247-50+ .241-50+ .235-50+ .230-50+ .224-50+ .219-50+ .214-50+
.209-50+

63 .258-50+ .252-50+ .246-50+ .240-50+ .234-50+ .229-50+ .224-50+
.219-50+

64 .268-50+ .262-50+ .256-50+ .250-50+ .245-50+ .239-50+ .234-50+
.229-50+

65 .280-50 .273-50+ .267-50+ .261-50+ .256-50+ .250-50+ .245-50+
.239-50+

66 .291-48 .285-50 .279-50+ .273-50+ .267-50+ .261-50+ .256-50+ .250-50+

67 .303-46 .297-48 .291-49 .285-50 .279-50+ .273-50+ .267-50+ .262-50+

68 .316-44 .309-45 .303-47 .297-48 .291-49 .285-50 .279-50+ .274-50+

69 .329-42 .322-43 .316-45 .310-46 .304-47 .298-48 .292-50 .286-50+

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

70 .342-40 .336-42 .329-43 .323-44 .317-45 .311-46 .305-47 .299-49

71 .356-38 .349-39 .343-41 .337-42 .331-43 .325-44 .319-45 .313-47

72 .370-36 .364-37 .357-38 .351-40 .345-41 .339-42 .333-43 .327-44

73 .385-34 .378-35 .372-36 .366-38 .360-39 .353-40 .348-41 .342-42

74 .400-32 .394-33 .387-34 .381-36 .375-37 .369-38 .363-39 .357-40

75 .416-30 .409-31 .403-33 .397-34 .390-35 .384-36 .378-37 .372-38

76 .432-29 .425-29 .419-31 .413-32 .407-33 .400-34 .394-35 .389-36

77 .448-27 .442-28 .436-29 .429-30 .423-31 .417-32 .411-33 .405-34

78 .465-25 .459-26 .453-27 .446-28 .440-29 .434-30 .428-31 .422-31

79 .482-23 .476-24 .470-25 .464-26 .458-27 .452-28 .446-29 .440-30

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

80 .500-21 .494-22 .487-23 .481-24 .475-25 .469-25 .463-26 .458-27

81 .517-19 .511-20 .505-21 .499-22 .493-23 .487-23 .481-24 .476-25

82 .535-17 .529-18 .523-19 .517-20 .511-20 .505-21 .500-22 494-23

83 .553-15 .547-16 .541-17 .535-17 .529-18 .524-19 .518-20 .512-20

84 .571-13 .565-14 .559-15 .553-15 .548-16 .542-17 .537-17 .531-18

85 .589-11 .583-12 .577-12 .572-13 .566-13 .561-14 .555-15 .550-16

86 .607-09 .601-09 .596-10 .590-10 .585-11 .579-12 .574-12 .569-13

87 .624-07 .619-07 .614-08 .608-08 .603-08 .598-09 .593-09 .588-10

88 .642-05- .637-05 .632-05 .627-05 .622-06 .617-06 .612-07 .607-07

89 .660-05- .655-05- .650-05- .645-05- .640-05- .636-05- .631-05-
.626-05-\*

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

90 .678-05- .674-05- .669-05- .664-05- .659-05- .655-05- .650-05-
.646-05-\*

91 .697-05- .692-05- .688-05- .683-05- .679-05- .674-05- .670-05-
.665-05-\*

92 .716-05- .711-05- .707-05- .703-05- .699-05- .694-05- .690-05-
.686-05-\*

93 .735-05- .731-05- .727-05- .723-05- .719-05- .715-05- .711-05-
.707-05-\*

94 .755-05- .752-05- .748-05- .744-05- .741-05- .737-05- .733-05-
.730-05-\*

95 .778-05- .774-05- .771-05- .768-05- .764-05- .761-05- .758-05-
.755-05-\*

96 .778-05- .774-05- .771-05- .768-05- .764-05- .761-05- .758-05-
.755-05-\*

97 .778-05- .774-05- .771-05- .768-05- .764-05- .761-05- .758-05-
.755-05-\*

98 .778-05- .774-05- .771-05- .768-05- .764-05- .761-05- .758-05-
.755-05-\*

99 .778-05- .774-05- .771-05- .768-05- .764-05- .761-05- .758-05-
.755-05-\*

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Page 4 of 9

4235.1 REV-1

Appendix 20

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Factors for Determining Borrowers Principal Limit

Factor - Shared Premium Points

I n t e r e s t R a t e

Age 11.000 11.125 11.250 11.375 11.500 11.625 11.750 11.875

62 .204-50+ .199-50+ .195-50+ .190-50+ .186-50+ .182-50+ .178-50+
.174-50+

63 .214-50+ .209-50+ .204-50+ .200-50+ .195-50+ .191-50+ .187-50+
.183-50+

64 .224-50+ .219-50+ .214-50+ .209-50+ .205-50+ .200-50+ .196-50+
.192-50+

65 .234-50+ .229-50+ .224-50+ .219-50+ .215-50+ .210-50+ .206-50+
.202-50+

66 .245-50+ .240-50+ .235-50+ .230-50+ .225-50+ .221-50+ .216-50+
.212-50+

67 .257-50+ .251-50+ .246-50+ .241-50+ .236-50+ .232-50+ .227-50+
.223-50+

68 .268-50+ .263-50+ .258-50+ .253-50+ .248-50+ .243-50+ .239-50+
.234-50+

69 .281-50+ .276-50+ .270-50+ .265-50+ .260-50+ .255-50+ .251-50+
.246-50+

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

70 .294-50 .288-50+ .283-50+ .278-50+ .273-50+ .268-50+ .263-50+
.258-50+

71 .307-48 .302-49 .297-50+ .291-50+ .286-50+ .281-50+ .276-50+ .271-50+

72 .321-45 .316-47 .310-48 .305-49 .300-50+ .295-50+ .290-50+ .285-50+

73 .336-43 .330-44 .325-46 .319-47 .314-48 .309-50 .304-50+ .299-50+

74 .351-41 .345-42 .340-44 .334-45 .329-46 .324-47 .319-49 .314-50

75 .367-39 .361-40 .355-41 .350-43 .345-44 .339-45 .334-46 .329-47

76 .383-37 .377-38 .372-39 .366-40 .361-42 .355-42 .350-44 .345-45

77 .399-35 .394-36 .388-37 .383-38 .377-39 .372-40 .367-42 .361-42

78 .417-33 .411-34 .405-35 .400-36 .394-37 .389-38 .384-39 .379-40

79 .434-30 .428-31 .423-33 .417-33 .412-35 .407-36 .401-37 .396-38

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

80 .452-28 .446-29 .441-30 .435-31 .430-32 .424-33 .419-34 .414-35

81 .470-26 .464-27 .459-28 .453-29 .448-30 .443-31 .438-32 .432-33

82 .488-24 .483-25 .477-25 .472-26 .467-27 .461-28 .456-29 .451-30

83 .507-21 .502-22 .496-23 .491-24 .485-25 .480-26 .475-27 .470-27

84 .526-19 .520-20 .515-20 .510-21 .505-22 .499-23 .494-24 .489-25

85 .545-16 .539-17 .534-18 .529-18 .524-19 .519-20 .514-21 .509-22

86 .564-13 .558-14 .553-15 .548-15 .543-16 .538-17 .533-17 .529-18

87 .583-10 .578-11 .573-11 .568-12 .563-13 .558-13 .553-14 .548-14

88 .602-07 .597-08 .592-08 .587-09 .582-09 .578-10 .573-10 .568-11

89 .621-05- .616-05 .612-05 .607-05 .602-06 .598-06 .593-06 .589-07

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

90 .641-05- .636-05- .632-05- .627-05- .623-05- .618-05- .614-05-
.610-05-\*

91 .661-05- .657-05- .652-05- .648-05- .644-05- .639-05- .635-05-
.631-05-\*

92 .682-05- .678-05- .673-05- .669-05- .665-05- .661-05- .657-05-
.653-05-\*

93 .703-05- .699-05- .695-05- .691-05- .687-05- .684-05- .680-05-
.676-05-\*

94 .726-05- .722-05- .719-05- .715-05- .711-05- .708-05- .704-05-
.701-05-\*

95 .751-05- .748-05- .745-05- .741-05- .738-05- .735-05- .732-05-
.728-05-\*

96 .751-05- .748-05- .745-05- .741-05- .738-05- .735-05- .732-05-
.728-05-\*

97 .751-05- .748-05- .745-05- .741-05- .738-05- .735-05- .732-05-
.728-05-\*

98 .751-05- .748-05- .745-05- .741-05- .738-05- .735-05- .732-05-
.728-05-\*

99 .751-05- .748-05- .745-05- .741-05- .738-05- .735-05- .732-05-
.728-05-\*

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Page 5 of 9

4235.1 REV-1

Appendix 20

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Factors for Determining Borrowers Principal Limit

Factor - Shared Premium Points

I n t e r e s t R a t e

Age 12.000 12.125 12.250 12.375 12.500 12.625 12.750 12.875

62 .170-50+ .166-50+ .163-50+ .159-50+ .156-50+ .152-50+ .149-50+
.146-50+

63 .179-50+ .175-50+ .171-50+ .167-50+ .164-50+ .161-50+ .157-50+
.154-50+

64 .188-50+ .184-50+ .180-50+ .176-50+ .173-50+ .169-50+ .166-50+
.162-50+

65 .197-50+ .193-50+ .189-50+ .186-50+ .182-50+ .178-50+ .175-50+
.171-50+

66 .208-50+ .203-50+ .199-50+ .195-50+ .192-50+ .188-50+ .184-50+
.181-50+

67 .218-50+ .214-50+ .210-50+ .206-50+ .202-50+ .198-50+ .194-50+
.191-50+

68 .230-50+ .225-50+ .221-50+ .217-50+ .213-50+ .209-50+ .205-50+
.201-50+

69 .241-50+ .237-50+ .233-50+ .228-50+ .224-50+ .220-50+ .216-50+
.212-50+

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

70 .254-50+ .249-50+ .245-50+ .240-50+ .236-50+ .232-50+ .228-50+
.224-50+

71 .267-50+ .262-50+ .257-50+ .253-50+ .249-50+ .244-50+ .240-50+
.236-50+

72 .280-50+ .275-50+ .271-50+ .266-50+ .262-50+ .257-50+ .253-50+
.249-50+

73 .294-50+ .289-50+ .285-50+ .280-50+ .276-50+ .271-50+ .267-50+
.263-50+

74 .309-50+ .304-50+ .299-50+ .295-50+ .290-50+ .285-50+ .281-50+
.277-50+

75 .324-49 .319-50 .314-50+ .310-50+ .305-50+ .300-50+ .296-50+ .292-50+

76 .340-46 .335-47 .330-49 .325-50 .321-50+ .316-50+ .311-50+ .307-50+

77 .356-44 .351-45 .346-46 .342-47 .337-49 .332-50 .328-50+ .323-50+

78 .373-41 .368-42 .363-43 .359-45 .354-46 .349-47 .344-48 .340-50

79 .391-39 .386-40 .381-41 .376-42 .371-43 .367-45 .362-46 .357-47

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

80 .409-36 .404-37 .399-39 .394-40 .389-41 .384-42 .380-43 .375-44

81 .427-34 .422-35 .417-36 .412-37 .408-38 .403-39 .398-40 .393-41

82 .446-31 .441-32 .436-33 .431-34 .426-35 .422-36 .417-37 .412-38

83 .465-28 .460-29 .455-30 .450-31 .445-32 .441-33 .436-34 .431-35

84 .484-25 .479-26 .474-27 .470-28 .465-29 .460-30 .455-31 .451-32

85 .504-22 .499-23 .494-24 .489-25 .485-26 .480-27 .475-27 .471-28

86 .524-19 .519-20 .514-20 .509-21 .505-22 .500-23 .495-23 .491-24

87 .543-15 .539-16 .534-16 .529-17 .525-18 .520-18 .516-19 .511-20

88 .564-11 .559-12 .554-12 .550-13 .545-13 .541-14 .536-14 .532-15

89 .584-07 .580-08 .575-08 .571-08 .566-09 .562-09 .558-10 .553-10

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

90 .605-05- .601-05- .596-05- .592-05 .588-05 .584-05 .579-05 .575-06

91 .627-05- .622-05- .618-05- .614-05- .610-05- .606-05- .602-05-
.598-05-\*

92 .649-05- .645-05- .641-05- .637-05- .633-05- .629-05- .625-05-
.621-05-\*

93 .672-05- .668-05- .665-05- .661-05- .657-05- .653-05- .650-05-
.646-05-\*

94 .697-05- .694-05- .690-05- .687-05- .683-05- .680-05- .676-05-
.673-05-\*

95 .725-05- .722-05- .719-05- .715-05- .712-05- .709-05- .706-05-
.703-05-\*

96 .725-05- .722-05- .719-05- .715-05- .712-05- .709-05- .706-05-
.703-05-\*

97 .725-05- .722-05- .719-05- .715-05- .712-05- .709-05- .706-05-
.703-05-\*

98 .725-05- .722-05- .719-05- .715-05- .712-05- .709-05- .706-05-
.703-05-\*

99 .725-05- .722-05- .719-05- .715-05- .712-05- .709-05- .706-05-
.703-05-\*

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Page 6 of 9

4235.1 REV-1

Appendix 20

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Factors for Determining Borrowers Principal Limit

Factor - Shared Premium Points

I n t e r e s t R a t e

Age 13.000 13.125 13.250 13.375 13.500 13.625 13.750 13.875

62 .143-50+ .140-50+ .137-50+ .134-50+ .132-50+ .129-50+ .127-50+
.124-50+

63 .151-50+ .148-50+ .145-50+ .142-50+ .139-50+ .136-50+ .134-50+
.131-50+

64 .159-50+ .156-50+ .153-50+ .150-50+ .147-50+ .144-50+ .141-50+
.139-50+

65 .168-50+ .165-50+ .161-50+ .158-50+ .155-50+ .152-50+ .150-50+
.147-50+

66 .177-50+ .174-50+ .171-50+ .167-50+ .164-50+ .161-50+ .158-50+
.155-50+

67 .187-50+ .184-50+ .180-50+ .177-50+ .174-50+ .171-50+ .167-50+
.164-50+

68 .198-50+ .194-50+ .190-50+ .187-50+ .184-50+ .180-50+ .177-50+
.174-50+

69 .208-50+ .205-50+ .201-50+ .198-50+ .194-50+ .191-50+ .188-50+
.184-50+

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

70 .220-50+ .216-50+ .213-50+ .209-50+ .205-50+ .202-50+ .199-50+
.195-50+

71 .232-50+ .228-50+ .225-50+ .221-50+ .217-50+ .214-50+ .210-50+
.207-50+

72 .245-50+ .241-50+ .237-50+ .233-50+ .230-50+ .226-50+ .222-50+
.219-50+

73 .258-50+ .254-50+ .250-50+ .246-50+ .243-50+ .239-50+ .235-50+
.232-50+

74 .273-50+ .268-50+ .264-50+ .260-50+ .256-50+ .253-50+ .249-50+
.245-50+

75 .287-50+ .283-50+ .279-50+ .275-50+ .271-50+ .267-50+ .263-50+
.259-50+

76 .303-50+ .298-50+ .294-50+ .290-50+ .286-50+ .282-50+ .278-50+
.274-50+

77 .319-50+ .314-50+ .310-50+ .306-50+ .302-50+ .298-50+ .294-50+
.290-50+

78 .335-50+ .331-50+ .327-50+ .322-50+ .318-50+ .314-50+ .310-50+
.306-50+

79 .353-48 .348-49 .344-50+ .340-50+ .335-50+ .331-50+ .327-50+ .323-50+

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

80 .371-46 .366-47 .362-48 .357-49 .353-50 .349-50+ .345-50+ .340-50+

81 .389-43 .384-44 .380-45 .375-46 .371-47 .367-48 .363-50 .359-50+

82 .408-40 .403-41 .399-42 .394-43 .390-44 .386-45 .381-46 .377-47

83 .427-36 .422-37 .418-39 .413-39 .409-41 .405-42 .400-43 .396-44

84 .446-33 .441-34 .437-35 .433-36 .429-37 .424-38 .420-39 .416-40

85 .466-29 .462-30 .457-31 .453-32 .449-33 .444-34 .440-35 .436-36

86 .486-25 .482-26 .478-27 .473-28 .469-29 .465-30 .460-31 .456-32

87 .507-21 .503-22 .498-22 .494-23 .490-24 .485-25 .481-26 .477-27

88 .528-16 .523-16 .519-17 .515-18 .511-19 .507-20 .502-20 .498-21

89 .549-11 .545-11 .541-12 .537-13 .532-13 .528-14 .524-14 .520-15

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

90 .571-06 .567-06 .563-07 .559-07 .555-08 .551-08 .547-08 .543-09

91 .594-05- .590-05- .586-05- .582-05- .578-05- .574-05- .570-05-
.566-05-\*

92 .617-05- .613-05- .610-05- .606-05- .602-05- .598-05- .595-05-
.591-05-\*

93 .642-05- .639-05- .635-05- .631-05- .628-05- .624-05- .620-05-
.617-05-\*

94 .669-05- .666-05- .662-05- .659-05- .656-05- .652-05- .649-05-
.645-05-\*

95 .700-05- .696-05- .693-05- .690-05- .687-05- .684-05- .681-05-
.678-05-\*

96 .700-05- .696-05- .693-05- .690-05- .687-05- .684-05- .681-05-
.678-05-\*

97 .700-05- .696-05- .693-05- .690-05- .687-05- .684-05- .681-05-
.678-05-\*

98 .700-05- .696-05- .693-05- .690-05- .687-05- .684-05- .681-05-
.678-05-\*

99 .700-05- .696-05- .693-05- .690-05- .687-05- .684-05- .681-05-
.678-05-\*

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Page 7 of 9

4235.1 REV-1

Appendix 20

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Factors for Determining Borrowers Principal Limit

Factor - Shared Premium Points

I n t e r e s t R a t e

Age 14.000 14.125 14.250 14.375 14.500 14.625 14.750 14.875

62 .122-50+ .119-50+ .117-50+ .115-50+ .113-50+ .111-50+ .109-50+
.107-50+

63 .129-50+ .126-50+ .124-50+ .122-50+ .119-50+ .117-50+ .115-50+
.113-50+

64 .136-50+ .134-50+ .131-50+ .129-50+ .126-50+ .124-50+ .122-50+
.120-50+

65 .144-50+ .141-50+ .139-50+ .136-50+ .134-50+ .132-50+ .129-50+
.127-50+

66 .153-50+ .150-50+ .147-50+ .145-50+ .142-50+ .140-50+ .137-50+
.135-50+

67 .162-50+ .159-50+ .156-50+ .153-50+ .151-50+ .148-50+ .145-50+
.143-50+

68 .171-50+ .168-50+ .165-50+ .162-50+ .160-50+ .157-50+ .154-50+
.152-50+

69 .181-50+ .178-50+ .175-50+ .172-50+ .169-50+ .167-50+ .164-50+
.161-50+

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

70 .192-50+ .189-50+ .186-50+ .183-50+ .180-50+ .177-50+ .174-50+
.171-50+

71 .203-50+ .200-50+ .197-50+ .194-50+ .191-50+ .188-50+ .185-50+
.182-50+

72 .215-50+ .212-50+ .209-50+ .206-50+ .202-50+ .199-50+ .196-50+
.193-50+

73 .228-50+ .225-50+ .221-50+ .218-50+ .215-50+ .212-50+ .208-50+
.205-50+

74 .241-50+ .238-50+ .234-50+ .231-50+ .228-50+ .224-50+ .221-50+
.218-50+

75 .256-50+ .252-50+ .248-50+ .245-50+ .241-50+ .238-50+ .235-50+
.231-50+

76 .270-50+ .267-50+ .263-50+ .259-50+ .256-50+ .252-50+ .249-50+
.246-50+

77 .286-50+ .282-50+ .278-50+ .275-50+ .271-50+ .267-50+ .264-50+
.261-50+

78 .302-50+ .298-50+ .294-50+ .291-50+ .287-50+ .283-50+ .280-50+
.276-50+

79 .319-50+ .315-50+ .311-50+ .307-50+ .304-50+ .300-50+ .296-50+
.293-50+

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

80 .336-50+ .332-50+ .328-50+ .325-50+ .321-50+ .317-50+ .313-50+
.310-50+

81 .354-50+ .350-50+ .346-50+ .343-50+ .339-50+ .335-50+ .331-50+
.327-50+

82 .373-49 .369-50 .365-50+ .361-50+ .357-50+ .353-50+ .349-50+ .346-50+

83 .392-45 .388-46 .384-48 .380-49 .376-50 .372-50+ .368-50+ .365-50+

84 .412-42 .408-43 .403-44 .399-45 .396-46 .392-47 .388-48 .384-50

85 .432-37 .428-39 .424-40 .419-40 .416-42 .412-43 .408-44 .404-45

86 .452-33 .448-34 .444-35 .440-36 .436-37 .432-38 .428-39 .424-40

87 .473-28 .469-29 .465-29 .461-30 .457-31 .453-32 .449-33 .445-34

88 .494-22 .490-22 .486-23 .482-24 .478-25 .474-26 .471-27 .467-28

89 .516-15 .512-16 .508-17 .504-17 .500-18 .497-19 .493-20 .489-20

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

90 .539-09 .535-10 .531-10 .527-11 .523-11 .520-12 .516-12 .512-13

91 .562-05- .559-05- .555-05 .551-05 .547-05 .544-05 .540-06 .536-06

92 .587-05- .583-05- .580-05- .576-05- .572-05- .569-05- .565-05-
.562-05-\*

93 .613-05- .610-05- .606-05- .603-05- .599-05- .596-05- .592-05-
.589-05-\*

94 .642-05- .639-05- .635-05- .632-05- .629-05- .626-05- .622-05-
.619-05-\*

95 .675-05- .672-05- .669-05- .666-05- .663-05- .660-05- .657-05-
.654-05-\*

96 .675-05- .672-05- .669-05- .666-05- .663-05- .660-05- .657-05-
.654-05-\*

97 .675-05- .672-05- .669-05- .666-05- .663-05- .660-05- .657-05-
.654-05-\*

98 .675-05- .672-05- .669-05- .666-05- .663-05- .660-05- .657-05-
.654-05-\*

99 .675-05- .672-05- .669-05- .666-05- .663-05- .660-05- .657-05-
.654-05-\*

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Page 8 of 9

4235.1 REV-1

Appendix 20

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Factors for Determining Borrowers Principal Limit

Factor - Shared Premium Points

I n t e r e s t R a t e

Age 15.000 15.125 15.250 15.375 15.500 15.625 15.750 15.875

62 .105-50+ .103-50+ .101-50+ .099-50+ .097-50+ .096-50+ .094-50+
.093-50+

63 .111-50+ .109-50+ .107-50+ .105-50+ .103-50+ .102-50+ .100-50+
.098-50+

64 .118-50+ .116-50+ .114-50+ .112-50+ .110-50+ .108-50+ .106-50+
.104-50+

65 .125-50+ .123-50+ .121-50+ .119-50+ .117-50+ .115-50+ .113-50+
.111-50+

66 .132-50+ .130-50+ .128-50+ .126-50+ .124-50+ .122-50+ .120-50+
.118-50+

67 .141-50+ .138-50+ .136-50+ .134-50+ .132-50+ .130-50+ .127-50+
.125-50+

68 .149-50+ .147-50+ .145-50+ .142-50+ .140-50+ .138-50+ .136-50+
.133-50+

69 .159-50+ .156-50+ .154-50+ .151-50+ .149-50+ .147-50+ .144-50+
.142-50+

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70 .169-50+ .166-50+ .163-50+ .161-50+ .158-50+ .156-50+ .154-50+
.151-50+

71 .179-50+ .176-50+ .174-50+ .171-50+ .169-50+ .166-50+ .164-50+
.161-50+

72 .190-50+ .188-50+ .185-50+ .182-50+ .179-50+ .177-50+ .174-50+
.172-50+

73 .202-50+ .199-50+ .196-50+ .194-50+ .191-50+ .188-50+ .186-50+
.183-50+

74 .215-50+ .212-50+ .209-50+ .206-50+ .203-50+ .200-50+ .198-50+
.195-50+

75 .228-50+ .225-50+ .222-50+ .219-50+ .216-50+ .213-50+ .210-50+
.208-50+

76 .242-50+ .239-50+ .236-50+ .233-50+ .230-50+ .227-50+ .224-50+
.221-50+

77 .257-50+ .254-50+ .251-50+ .247-50+ .244-50+ .241-50+ .238-50+
.235-50+

78 .273-50+ .269-50+ .266-50+ .263-50+ .260-50+ .256-50+ .253-50+
.250-50+

79 .289-50+ .286-50+ .282-50+ .279-50+ .276-50+ .272-50+ .269-50+
.266-50+

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80 .306-50+ .303-50+ .299-50+ .296-50+ .292-50+ .289-50+ .286-50+
.282-50+

81 .324-50+ .320-50+ .317-50+ .313-50+ .310-50+ .306-50+ .303-50+
.300-50+

82 .342-50+ .338-50+ .335-50+ .331-50+ .328-50+ .324-50+ .321-50+
.317-50+

83 .361-50+ .357-50+ .353-50+ .350-50+ .346-50+ .343-50+ .339-50+
.336-50+

84 .380-50+ .376-50+ .373-50+ .369-50+ .366-50+ .362-50+ .358-50+
.355-50+

85 .400-46 .396-47 .393-49 .389-50 .386-50+ .382-50+ .378-50+ .375-50+

86 .421-41 .417-42 .413-43 .409-44 .406-46 .402-47 .399-48 .395-49

87 .442-35 .438-36 .434-37 .430-38 .427-40 .423-41 .420-42 .416-43

88 .463-29 .459-29 .456-31 .452-31 .448-32 .445-34 .441-34 .438-36

89 .485-21 .482-22 .478-23 .474-23 .471-24 .467-25 .464-26 .460-27

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90 .508-13 .505-14 .501-14 .498-15 .494-16 .490-16 .487-17 .483-17

91 .533-06 .529-07 .526-07 .522-07 .518-08 .515-08 .512-09 .508-09

92 .558-05- .555-05- .551-05- .548-05- .544-05- .541-05- .538-05-
.534-05-\*

93 .586-05- .582-05- .579-05- .576-05- .572-05- .569-05- .566-05-
.562-05-\*

94 .616-05- .613-05- .610-05- .606-05- .603-05- .600-05- .597-05-
.594-05-\*

95 .651-05- .648-05- .645-05- .642-05- .639-05- .636-05- .633-05-
.630-05-\*

96 .651-05- .648-05- .645-05- .642-05- .639-05- .636-05- .633-05-
.630-05-\*

97 .651-05- .648-05- .645-05- .642-05- .639-05- .636-05- .633-05-
.630-05-\*

98 .651-05- .648-05- .645-05- .642-05- .639-05- .636-05- .633-05-
.630-05-\*

99 .651-05- .648-05- .645-05- .642-05- .639-05- .636-05- .633-05-
.630-05-\*

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Page 9 of 9

4235.1 REV-1

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