Exhibit
10.1


 


AMENDMENT TO THE


SPX CORPORATION
SUPPLEMENTAL RETIREMENT PLAN


FOR TOP MANAGEMENT


 


Pursuant to the powers of amendment reserved in
Section 6.1 of the SPX Corporation Supplemental Retirement Plan for Top
Management (the “Plan”), SPX Corporation hereby amends the Plan in the
following manner:


 


1.             Effective
August 24, 2005, Section 1.1 is deleted and replaced with the following:


 


“1.1         “Actuarial Equivalent”
means a benefit having the same value as the benefit it replaces.  Actuarial equivalency shall be determined on
the basis of the following assumptions:


 


(a)           For purposes of converting a 100%
joint and survivor annuity or a 50% joint and survivor annuity (as the case may
be) at Normal Retirement Age to a lump sum or a lump sum at any age to a 100%
joint and survivor annuity or a 50% joint and survivor annuity (as the case may
be) at Normal Retirement Age or at any other time, (i) mortality shall be based
upon the table prescribed in Code Section 417(e)(3)(A)(ii)(I), (ii) the ages of
the Participant and the Participant’s spouse shall be their actual ages and
(iii) the assumed interest rate shall be the annual interest on 30-year
Treasury securities, as published by the Board of Governors of the Federal
Reserve System, for the November prior to the Plan Year during the which the
distribution is made.


 


(b)           For purposes of converting a 100%
joint and survivor annuity or a 50% joint and survivor annuity (as the case may
be) into a single life annuity, the factors set forth in Table A (attached
hereto) shall be applied.  If a
Participant is not married, such application shall be based on the assumption
that the Participant is married and that he and his spouse are the same
age.  If a Participant is married, such
application shall be based on the actual ages of the Participant and his
spouse.  For purposes of converting into
any other optional annuity form of benefit available under the Plan, the 100%
joint and survivor annuity or the 50% joint and survivor annuity (as the case
may be) shall first be converted into a single life annuity, as describe above,
after which the actuarial factors set forth in Appendix A of the SPX Qualified
Plan (as amended) shall be applied.”


 


2.             Effective
January 1, 2005, Section 1.18 is deleted and replaced with the following:


 


“1.18       “Other
Nonqualified Pension Plans” shall mean the following plans (and
predecessor plans) sponsored by the Company: 
the SPX Corporation Supplemental Individual Account Retirement Plan (the
“Supplemental IARP”), the SPX Corporation Retirement Plan for Directors, the
Restoration Plan for the Salaried Defined Benefit Retirement Plans of United
Dominion Industries, Inc., the United Dominion Industries, Inc. Supplemental
Executive Retirement Plan, the Marley Company Supplemental Benefits Plan and
the UDI Core Industries,


 





















 


Inc. Benefit Equalization
Plan or any other non-qualified defined benefit plan sponsored by the Company.”


 


3.             Effective as of January 1, 2005,
the reference in Section 2.3 to “Supplemental IARP” shall be amended to read “Other
Nonqualified Pension Plans.”


 


4.             Effective August 24, 2005, Section
3.1 is deleted and replaced with the following:


 


“3.1         Normal Retirement.


 


(a)           Normal Retirement for Employees
Who Became Participants Before August 24, 2005.  For Employees who became Participants in the
Plan before August 24, 2005, the Top Management Retirement Benefit payable to
an eligible Participant on his Normal Retirement Date, shall be a monthly
amount in the form of a 100% joint and survivor annuity equal to the remainder
of (1) minus (2), as described below:


 


(1)                                  60%
of Final Average Pay multiplied by a ratio, the numerator of which is the
Participant’s Continuous Service (not to exceed 15) and the denominator of
which is 15; minus


 


(2)                                  the
Participant’s SPX Qualified Plan Benefit determined as of the Participant’s
Normal Retirement Date without regard to when such benefit is actually paid.


 


(b)           Normal Retirement for Employees
Who Become Participants on and after August 24, 2005.  For Employees who become Participants in the
Plan on and after August 24, 2005, the Top Management Retirement Benefit
payable to an eligible Participant on his Normal Retirement Date, shall be a
monthly amount in the form of a 50% joint and survivor annuity equal to the
remainder of (1) minus (2), as described below:


 


(1)                                  50%
of Final Average Pay multiplied by a ratio, the numerator of which is the
Participant’s Continuous Service (not to exceed 20) and the denominator of
which is 20; minus


 


(2)                                  the
Participant’s SPX Qualified Plan Benefit determined as of the Participant’s
Normal Retirement Date without regard to when such benefit is actually paid.”


 


5.             Effective August 24, 2005, Section
3.2 is deleted and replaced by the following:


 


2





















 


 


“3.2         Early Retirement.


 


(a)           Early Retirement for Employees Who
Became Participants Before August 24, 2005. 
For Employees who became Participants in the Plan before August 24,
2005, the Top Management Retirement Benefit payable to an eligible Participant
on his Early Retirement Date, shall be a monthly amount equal to the Top
Management Retirement Benefit to which he would be entitled at his Normal
Retirement Date pursuant to Section 3.1(a) above, with the following
adjustments:


 


(1)                                  Amount
If Early Retirement Is Within Five Years of Normal Retirement Age.  The monthly amount of Early Retirement
Benefit payable hereunder to a Participant whose Early Retirement Date is
within five (5) years of his Normal Retirement Age shall be an amount computed
in the same manner as a benefit under Section 3.1(a) (without regard to Section
3.1(a)(2) above) based on his Final Average Pay and Continuous Service as of
his Early Retirement Date.


 


(2)                                  Amount
If Early Retirement Is More Than Five Years From Normal Retirement Age.  The monthly amount of the Early Retirement
Benefit payable hereunder to a Participant whose Early Retirement Date is more
than five years prior to his Normal Retirement Age shall be computed in the
same manner as a benefit under Section 3.1(a) above (without regard to Section
3.1(a)(2)), based on his Final Average Pay and Continuous Service as of his
Early Retirement Date, but such amount shall be reduced by one-twelfth (1/12)
of 3% for each complete calendar month by which his first Early Retirement
Benefit payment precedes his age 60.


 


(3)                                  Reductions
for Other Plans.  The benefit so
determined shall be reduced by the SPX Qualified Plan Benefit, or the Actuarial
Equivalent thereof, if such benefit could not have been paid at such date.


 


(b)           Early Retirement for Employees Who
Become Participants on and after August 24, 2005.  For Employees who become Participants in the
Plan on and after August 24, 2005, the Top Management Retirement Benefit
payable to an eligible Participant on his Early Retirement Date, shall be a
monthly amount equal to the Top Management Retirement Benefit to which he would
be entitled at his Normal Retirement Date pursuant to Section 3.1(b) above,
with the following adjustments:


 


(1)                                  Amount
If Early Retirement Is Within Three Years of Normal Retirement Age.  The monthly amount of Early Retirement
Benefit payable hereunder to a Participant whose Early Retirement Date is
within three (3) years of his Normal Retirement Age shall be an


 


3





















 


amount computed in the same manner as a benefit under
Section 3.1(b) (without regard to Section 3.1(b)(2) above) based on his Final
Average Pay and Continuous Service as of his Early Retirement Date.


 


(2)                                  Amount
If Early Retirement Is More Than Three Years From Normal Retirement Age.  The monthly amount of the Early Retirement
Benefit payable hereunder to a Participant whose Early Retirement Date is more
than three (3) years prior to his Normal Retirement Age shall be computed in
the same manner as a benefit under Section 3.1(b) above (without regard to
Section 3.1(b)(2)), based on his Final Average Pay and Continuous Service as of
his Early Retirement Date, but such amount shall be reduced by one-twelfth
(1/12) of 4% for each complete calendar month by which his first Early
Retirement Benefit payment precedes his age 62.


 


(3)                                  Reductions
for Other Plans.  The benefit so
determined shall be reduced by the SPX Qualified Plan Benefit, or the Actuarial
Equivalent thereof, if such benefit could not have been paid at such date.”


 


6.             Effective as of January 1, 2005,
the references in Section 3.3 to “Supplemental IARP” shall be amended to read “Other
Nonqualified Pension Plans.”


 


7.             Effective as of January 1, 2005,
the reference in Section 4.1(a) to “Supplemental IARP” shall be amended to read
“Other Nonqualified Pension Plans.”


 


8.             Effective as of January 1, 2005,
the reference in Section 4.1(d) to “Supplemental IARP” shall be amended to read
“Other Nonqualified Pension Plans.”


 


9.             Effective as of January 1, 2005,
the reference in Section 8.2 to “the SPX Corporation Executive EVA Incentive
Compensation Plan” shall be amended to read “the SPX Corporation Executive
Bonus Plan.”


 


10.           Effective as of August 24, 2005, the
references in Appendix A to “Section 3.1” shall be amended to read “Section
3.1(a).”


 


11.           Effective as of August 24, 2005, the
references in Appendix C to “Section 3.2(b)” and “Section 3.2,”
respectively, shall be amended to read “Section 3.2(a)(2)” and “Section 3.2(a),”
respectively.


 


12.           Effective as of August 24, 2005, the
Plan is amended by adding the new Appendix I attached hereto to the end
thereof.


 


13.           Effective as of August 24, 2005, Table
A of the Plan is deleted and replaced by the following new Table A
attached hereto.


 


4





















 


Appendix
I


 


Special Provisions for Don L.
Canterna and David A. Kowalski


 


Don L. Canterna and David A. Kowalski will be treated
as though they were participants in this Plan beginning on August 24, 2005, the
date they were named officers of SPX Corporation (i.e., Continuous Service shall commence as of such date) for
purposes of determining the amount of benefits payable to them under this Plan.


 


5





















 


TABLE A


 


6





















 


Table A


Factors
to Convert a 100% Joint and Survivor to a Life Annuity


 


Supplemental
Retirement Plan for Top Management


 


Equivalent Benefit
Payable Under Single Life Annuity Option for Each $1.00 Otherwise Payable


 


	
  EMPLOYEE’S

  	
   

  	
  BENEFICIARY’S AGE

  	
   

  
	
  AGE

  	
   

  	
  20

  	
   

  	
  21

  	
   

  	
  22

  	
   

  	
  23

  	
   

  	
  24

  	
   

  	
  25

  	
   

  	
  26

  	
   

  	
  27

  	
   

  	
  28

  	
   

  	
  29

  	
   

  
	
  20

  	
   

  	
  1.0486

  	
   

  	
  1.0469

  	
   

  	
  1.0451

  	
   

  	
  1.0434

  	
   

  	
  1.0417

  	
   

  	
  1.0400

  	
   

  	
  1.0383

  	
   

  	
  1.0367

  	
   

  	
  1.0351

  	
   

  	
  1.0336

  	
   

  
	
  21

  	
   

  	
  1.0524

  	
   

  	
  1.0506

  	
   

  	
  1.0487

  	
   

  	
  1.0469

  	
   

  	
  1.0451

  	
   

  	
  1.0433

  	
   

  	
  1.0415

  	
   

  	
  1.0398

  	
   

  	
  1.0381

  	
   

  	
  1.0364

  	
   

  
	
  22

  	
   

  	
  1.0565

  	
   

  	
  1.0546

  	
   

  	
  1.0526

  	
   

  	
  1.0507

  	
   

  	
  1.0487

  	
   

  	
  1.0468

  	
   

  	
  1.0450

  	
   

  	
  1.0431

  	
   

  	
  1.0413

  	
   

  	
  1.0395

  	
   

  
	
  23

  	
   

  	
  1.0609

  	
   

  	
  1.0589

  	
   

  	
  1.0568

  	
   

  	
  1.0547

  	
   

  	
  1.0527

  	
   

  	
  1.0507

  	
   

  	
  1.0487

  	
   

  	
  1.0467

  	
   

  	
  1.0448

  	
   

  	
  1.0429

  	
   

  
	
  24

  	
   

  	
  1.0656

  	
   

  	
  1.0635

  	
   

  	
  1.0613

  	
   

  	
  1.0591

  	
   

  	
  1.0570

  	
   

  	
  1.0548

  	
   

  	
  1.0527

  	
   

  	
  1.0506

  	
   

  	
  1.0486

  	
   

  	
  1.0465

  	
   

  
	
  25

  	
   

  	
  1.0707

  	
   

  	
  1.0684

  	
   

  	
  1.0661

  	
   

  	
  1.0639

  	
   

  	
  1.0616

  	
   

  	
  1.0593

  	
   

  	
  1.0571

  	
   

  	
  1.0549

  	
   

  	
  1.0527

  	
   

  	
  1.0505

  	
   

  
	
  26

  	
   

  	
  1.0761

  	
   

  	
  1.0737

  	
   

  	
  1.0713

  	
   

  	
  1.0689

  	
   

  	
  1.0665

  	
   

  	
  1.0642

  	
   

  	
  1.0618

  	
   

  	
  1.0594

  	
   

  	
  1.0571

  	
   

  	
  1.0548

  	
   

  
	
  27

  	
   

  	
  1.0819

  	
   

  	
  1.0794

  	
   

  	
  1.0769

  	
   

  	
  1.0744

  	
   

  	
  1.0719

  	
   

  	
  1.0694

  	
   

  	
  1.0668

  	
   

  	
  1.0644

  	
   

  	
  1.0619

  	
   

  	
  1.0594

  	
   

  
	
  28

  	
   

  	
  1.0880

  	
   

  	
  1.0855

  	
   

  	
  1.0828

  	
   

  	
  1.0802

  	
   

  	
  1.0776

  	
   

  	
  1.0749

  	
   

  	
  1.0723

  	
   

  	
  1.0697

  	
   

  	
  1.0670

  	
   

  	
  1.0644

  	
   

  
	
  29

  	
   

  	
  1.0946

  	
   

  	
  1.0919

  	
   

  	
  1.0892

  	
   

  	
  1.0865

  	
   

  	
  1.0837

  	
   

  	
  1.0809

  	
   

  	
  1.0782

  	
   

  	
  1.0754

  	
   

  	
  1.0726

  	
   

  	
  1.0699

  	
   

  
	
  30

  	
   

  	
  1.1017

  	
   

  	
  1.0989

  	
   

  	
  1.0960

  	
   

  	
  1.0932

  	
   

  	
  1.0903

  	
   

  	
  1.0874

  	
   

  	
  1.0845

  	
   

  	
  1.0816

  	
   

  	
  1.0786

  	
   

  	
  1.0757

  	
   

  
	
  31

  	
   

  	
  1.1092

  	
   

  	
  1.1063

  	
   

  	
  1.1033

  	
   

  	
  1.1003

  	
   

  	
  1.0973

  	
   

  	
  1.0943

  	
   

  	
  1.0912

  	
   

  	
  1.0882

  	
   

  	
  1.0851

  	
   

  	
  1.0820

  	
   

  
	
  32

  	
   

  	
  1.1172

  	
   

  	
  1.1142

  	
   

  	
  1.1111

  	
   

  	
  1.1080

  	
   

  	
  1.1049

  	
   

  	
  1.1017

  	
   

  	
  1.0985

  	
   

  	
  1.0953

  	
   

  	
  1.0921

  	
   

  	
  1.0888

  	
   

  
	
  33

  	
   

  	
  1.1257

  	
   

  	
  1.1226

  	
   

  	
  1.1194

  	
   

  	
  1.1162

  	
   

  	
  1.1129

  	
   

  	
  1.1096

  	
   

  	
  1.1063

  	
   

  	
  1.1029

  	
   

  	
  1.0995

  	
   

  	
  1.0961

  	
   

  
	
  34

  	
   

  	
  1.1347

  	
   

  	
  1.1315

  	
   

  	
  1.1283

  	
   

  	
  1.1249

  	
   

  	
  1.1215

  	
   

  	
  1.1181

  	
   

  	
  1.1146

  	
   

  	
  1.1111

  	
   

  	
  1.1076

  	
   

  	
  1.1040

  	
   

  
	
  35

  	
   

  	
  1.1444

  	
   

  	
  1.1411

  	
   

  	
  1.1377

  	
   

  	
  1.1342

  	
   

  	
  1.1307

  	
   

  	
  1.1272

  	
   

  	
  1.1235

  	
   

  	
  1.1199

  	
   

  	
  1.1162

  	
   

  	
  1.1125

  	
   

  
	
  36

  	
   

  	
  1.1547

  	
   

  	
  1.1513

  	
   

  	
  1.1478

  	
   

  	
  1.1442

  	
   

  	
  1.1406

  	
   

  	
  1.1369

  	
   

  	
  1.1331

  	
   

  	
  1.1293

  	
   

  	
  1.1254

  	
   

  	
  1.1215

  	
   

  
	
  37

  	
   

  	
  1.1656

  	
   

  	
  1.1621

  	
   

  	
  1.1585

  	
   

  	
  1.1548

  	
   

  	
  1.1510

  	
   

  	
  1.1472

  	
   

  	
  1.1433

  	
   

  	
  1.1393

  	
   

  	
  1.1353

  	
   

  	
  1.1312

  	
   

  
	
  38

  	
   

  	
  1.1773

  	
   

  	
  1.1737

  	
   

  	
  1.1699

  	
   

  	
  1.1661

  	
   

  	
  1.1622

  	
   

  	
  1.1583

  	
   

  	
  1.1542

  	
   

  	
  1.1501

  	
   

  	
  1.1459

  	
   

  	
  1.1417

  	
   

  
	
  39

  	
   

  	
  1.1897

  	
   

  	
  1.1860

  	
   

  	
  1.1821

  	
   

  	
  1.1782

  	
   

  	
  1.1742

  	
   

  	
  1.1701

  	
   

  	
  1.1659

  	
   

  	
  1.1616

  	
   

  	
  1.1572

  	
   

  	
  1.1528

  	
   

  
	
  40

  	
   

  	
  1.2029

  	
   

  	
  1.1991

  	
   

  	
  1.1951

  	
   

  	
  1.1911

  	
   

  	
  1.1869

  	
   

  	
  1.1827

  	
   

  	
  1.1783

  	
   

  	
  1.1739

  	
   

  	
  1.1694

  	
   

  	
  1.1648

  	
   

  
	
  41

  	
   

  	
  1.2170

  	
   

  	
  1.2130

  	
   

  	
  1.2090

  	
   

  	
  1.2048

  	
   

  	
  1.2005

  	
   

  	
  1.1961

  	
   

  	
  1.1916

  	
   

  	
  1.1871

  	
   

  	
  1.1824

  	
   

  	
  1.1776

  	
   

  
	
  42

  	
   

  	
  1.2320

  	
   

  	
  1.2279

  	
   

  	
  1.2237

  	
   

  	
  1.2194

  	
   

  	
  1.2150

  	
   

  	
  1.2105

  	
   

  	
  1.2059

  	
   

  	
  1.2011

  	
   

  	
  1.1963

  	
   

  	
  1.1913

  	
   

  
	
  43

  	
   

  	
  1.2478

  	
   

  	
  1.2437

  	
   

  	
  1.2394

  	
   

  	
  1.2350

  	
   

  	
  1.2304

  	
   

  	
  1.2257

  	
   

  	
  1.2210

  	
   

  	
  1.2161

  	
   

  	
  1.2110

  	
   

  	
  1.2059

  	
   

  
	
  44

  	
   

  	
  1.2647

  	
   

  	
  1.2604

  	
   

  	
  1.2560

  	
   

  	
  1.2514

  	
   

  	
  1.2467

  	
   

  	
  1.2419

  	
   

  	
  1.2370

  	
   

  	
  1.2319

  	
   

  	
  1.2267

  	
   

  	
  1.2214

  	
   

  
	
  45

  	
   

  	
  1.2825

  	
   

  	
  1.2781

  	
   

  	
  1.2735

  	
   

  	
  1.2689

  	
   

  	
  1.2640

  	
   

  	
  1.2591

  	
   

  	
  1.2540

  	
   

  	
  1.2488

  	
   

  	
  1.2434

  	
   

  	
  1.2379

  	
   

  
	
  46

  	
   

  	
  1.3012

  	
   

  	
  1.2967

  	
   

  	
  1.2921

  	
   

  	
  1.2873

  	
   

  	
  1.2823

  	
   

  	
  1.2772

  	
   

  	
  1.2720

  	
   

  	
  1.2666

  	
   

  	
  1.2611

  	
   

  	
  1.2554

  	
   

  
	
  47

  	
   

  	
  1.3211

  	
   

  	
  1.3165

  	
   

  	
  1.3117

  	
   

  	
  1.3067

  	
   

  	
  1.3016

  	
   

  	
  1.2964

  	
   

  	
  1.2910

  	
   

  	
  1.2854

  	
   

  	
  1.2797

  	
   

  	
  1.2739

  	
   

  
	
  48

  	
   

  	
  1.3420

  	
   

  	
  1.3373

  	
   

  	
  1.3324

  	
   

  	
  1.3273

  	
   

  	
  1.3221

  	
   

  	
  1.3167

  	
   

  	
  1.3111

  	
   

  	
  1.3054

  	
   

  	
  1.2995

  	
   

  	
  1.2934

  	
   

  
	
  49

  	
   

  	
  1.3641

  	
   

  	
  1.3593

  	
   

  	
  1.3542

  	
   

  	
  1.3490

  	
   

  	
  1.3436

  	
   

  	
  1.3381

  	
   

  	
  1.3324

  	
   

  	
  1.3265

  	
   

  	
  1.3204

  	
   

  	
  1.3141

  	
   

  
	
  50

  	
   

  	
  1.3875

  	
   

  	
  1.3825

  	
   

  	
  1.3773

  	
   

  	
  1.3720

  	
   

  	
  1.3664

  	
   

  	
  1.3607

  	
   

  	
  1.3548

  	
   

  	
  1.3488

  	
   

  	
  1.3425

  	
   

  	
  1.3360

  	
   

  
	
  51

  	
   

  	
  1.4122

  	
   

  	
  1.4070

  	
   

  	
  1.4017

  	
   

  	
  1.3962

  	
   

  	
  1.3905

  	
   

  	
  1.3847

  	
   

  	
  1.3786

  	
   

  	
  1.3724

  	
   

  	
  1.3659

  	
   

  	
  1.3593

  	
   

  
	
  52

  	
   

  	
  1.4383

  	
   

  	
  1.4330

  	
   

  	
  1.4276

  	
   

  	
  1.4219

  	
   

  	
  1.4161

  	
   

  	
  1.4100

  	
   

  	
  1.4038

  	
   

  	
  1.3974

  	
   

  	
  1.3907

  	
   

  	
  1.3838

  	
   

  
	
  53

  	
   

  	
  1.4659

  	
   

  	
  1.4605

  	
   

  	
  1.4549

  	
   

  	
  1.4491

  	
   

  	
  1.4431

  	
   

  	
  1.4369

  	
   

  	
  1.4305

  	
   

  	
  1.4239

  	
   

  	
  1.4170

  	
   

  	
  1.4099

  	
   

  
	
  54

  	
   

  	
  1.4953

  	
   

  	
  1.4897

  	
   

  	
  1.4840

  	
   

  	
  1.4780

  	
   

  	
  1.4718

  	
   

  	
  1.4654

  	
   

  	
  1.4588

  	
   

  	
  1.4520

  	
   

  	
  1.4450

  	
   

  	
  1.4377

  	
   

  
	
  55

  	
   

  	
  1.5264

  	
   

  	
  1.5207

  	
   

  	
  1.5148

  	
   

  	
  1.5087

  	
   

  	
  1.5023

  	
   

  	
  1.4958

  	
   

  	
  1.4890

  	
   

  	
  1.4819

  	
   

  	
  1.4747

  	
   

  	
  1.4672

  	
   

  
	
  56

  	
   

  	
  1.5596

  	
   

  	
  1.5538

  	
   

  	
  1.5477

  	
   

  	
  1.5414

  	
   

  	
  1.5349

  	
   

  	
  1.5281

  	
   

  	
  1.5211

  	
   

  	
  1.5138

  	
   

  	
  1.5063

  	
   

  	
  1.4986

  	
   

  
	
  57

  	
   

  	
  1.5950

  	
   

  	
  1.5890

  	
   

  	
  1.5828

  	
   

  	
  1.5763

  	
   

  	
  1.5695

  	
   

  	
  1.5626

  	
   

  	
  1.5554

  	
   

  	
  1.5479

  	
   

  	
  1.5402

  	
   

  	
  1.5322

  	
   

  
	
  58

  	
   

  	
  1.6329

  	
   

  	
  1.6267

  	
   

  	
  1.6203

  	
   

  	
  1.6136

  	
   

  	
  1.6067

  	
   

  	
  1.5995

  	
   

  	
  1.5920

  	
   

  	
  1.5843

  	
   

  	
  1.5764

  	
   

  	
  1.5681

  	
   

  
	
  59

  	
   

  	
  1.6735

  	
   

  	
  1.6671

  	
   

  	
  1.6605

  	
   

  	
  1.6536

  	
   

  	
  1.6464

  	
   

  	
  1.6390

  	
   

  	
  1.6314

  	
   

  	
  1.6234

  	
   

  	
  1.6152

  	
   

  	
  1.6067

  	
   

  
	
  60

  	
   

  	
  1.7171

  	
   

  	
  1.7105

  	
   

  	
  1.7036

  	
   

  	
  1.6965

  	
   

  	
  1.6892

  	
   

  	
  1.6815

  	
   

  	
  1.6736

  	
   

  	
  1.6654

  	
   

  	
  1.6569

  	
   

  	
  1.6481

  	
   

  
	
  61

  	
   

  	
  1.7639

  	
   

  	
  1.7571

  	
   

  	
  1.7501

  	
   

  	
  1.7427

  	
   

  	
  1.7351

  	
   

  	
  1.7273

  	
   

  	
  1.7191

  	
   

  	
  1.7106

  	
   

  	
  1.7018

  	
   

  	
  1.6927

  	
   

  
	
  62

  	
   

  	
  1.8144

  	
   

  	
  1.8073

  	
   

  	
  1.8001

  	
   

  	
  1.7925

  	
   

  	
  1.7846

  	
   

  	
  1.7765

  	
   

  	
  1.7680

  	
   

  	
  1.7593

  	
   

  	
  1.7502

  	
   

  	
  1.7407

  	
   

  
	
  63

  	
   

  	
  1.8687

  	
   

  	
  1.8614

  	
   

  	
  1.8539

  	
   

  	
  1.8461

  	
   

  	
  1.8379

  	
   

  	
  1.8295

  	
   

  	
  1.8208

  	
   

  	
  1.8117

  	
   

  	
  1.8023

  	
   

  	
  1.7925

  	
   

  
	
  64

  	
   

  	
  1.9271

  	
   

  	
  1.9196

  	
   

  	
  1.9118

  	
   

  	
  1.9037

  	
   

  	
  1.8953

  	
   

  	
  1.8866

  	
   

  	
  1.8775

  	
   

  	
  1.8681

  	
   

  	
  1.8584

  	
   

  	
  1.8482

  	
   

  
	
  65

  	
   

  	
  1.9900

  	
   

  	
  1.9822

  	
   

  	
  1.9741

  	
   

  	
  1.9657

  	
   

  	
  1.9570

  	
   

  	
  1.9480

  	
   

  	
  1.9386

  	
   

  	
  1.9288

  	
   

  	
  1.9187

  	
   

  	
  1.9082

  	
   

  
	
  66

  	
   

  	
  2.0574

  	
   

  	
  2.0493

  	
   

  	
  2.0409

  	
   

  	
  2.0322

  	
   

  	
  2.0232

  	
   

  	
  2.0138

  	
   

  	
  2.0040

  	
   

  	
  1.9939

  	
   

  	
  1.9834

  	
   

  	
  1.9725

  	
   

  
	
  67

  	
   

  	
  2.1294

  	
   

  	
  2.1210

  	
   

  	
  2.1123

  	
   

  	
  2.1033

  	
   

  	
  2.0939

  	
   

  	
  2.0841

  	
   

  	
  2.0740

  	
   

  	
  2.0635

  	
   

  	
  2.0525

  	
   

  	
  2.0412

  	
   

  
	
  68

  	
   

  	
  2.2066

  	
   

  	
  2.1979

  	
   

  	
  2.1888

  	
   

  	
  2.1794

  	
   

  	
  2.1697

  	
   

  	
  2.1595

  	
   

  	
  2.1490

  	
   

  	
  2.1381

  	
   

  	
  2.1267

  	
   

  	
  2.1149

  	
   

  
	
  69

  	
   

  	
  2.2900

  	
   

  	
  2.2809

  	
   

  	
  2.2715

  	
   

  	
  2.2617

  	
   

  	
  2.2516

  	
   

  	
  2.2410

  	
   

  	
  2.2301

  	
   

  	
  2.2187

  	
   

  	
  2.2068

  	
   

  	
  2.1946

  	
   

  
	
  70

  	
   

  	
  2.3806

  	
   

  	
  2.3711

  	
   

  	
  2.3613

  	
   

  	
  2.3511

  	
   

  	
  2.3406

  	
   

  	
  2.3296

  	
   

  	
  2.3181

  	
   

  	
  2.3062

  	
   

  	
  2.2939

  	
   

  	
  2.2811

  	
   

  



 


1





















 


	
  EMPLOYEE’S

  	
   

  	
  BENEFICIARY’S AGE

  	
   

  
	
  AGE

  	
   

  	
  30

  	
   

  	
  31

  	
   

  	
  32

  	
   

  	
  33

  	
   

  	
  34

  	
   

  	
  35

  	
   

  	
  36

  	
   

  	
  37

  	
   

  	
  38

  	
   

  	
  39

  	
   

  
	
  20

  	
   

  	
  1.0321

  	
   

  	
  1.0306

  	
   

  	
  1.0292

  	
   

  	
  1.0278

  	
   

  	
  1.0264

  	
   

  	
  1.0251

  	
   

  	
  1.0238

  	
   

  	
  1.0226

  	
   

  	
  1.0214

  	
   

  	
  1.0203

  	
   

  
	
  21

  	
   

  	
  1.0348

  	
   

  	
  1.0332

  	
   

  	
  1.0317

  	
   

  	
  1.0302

  	
   

  	
  1.0287

  	
   

  	
  1.0273

  	
   

  	
  1.0259

  	
   

  	
  1.0246

  	
   

  	
  1.0233

  	
   

  	
  1.0221

  	
   

  
	
  22

  	
   

  	
  1.0378

  	
   

  	
  1.0361

  	
   

  	
  1.0344

  	
   

  	
  1.0328

  	
   

  	
  1.0312

  	
   

  	
  1.0297

  	
   

  	
  1.0282

  	
   

  	
  1.0267

  	
   

  	
  1.0254

  	
   

  	
  1.0240

  	
   

  
	
  23

  	
   

  	
  1.0410

  	
   

  	
  1.0392

  	
   

  	
  1.0374

  	
   

  	
  1.0356

  	
   

  	
  1.0339

  	
   

  	
  1.0323

  	
   

  	
  1.0307

  	
   

  	
  1.0291

  	
   

  	
  1.0276

  	
   

  	
  1.0262

  	
   

  
	
  24

  	
   

  	
  1.0445

  	
   

  	
  1.0426

  	
   

  	
  1.0406

  	
   

  	
  1.0388

  	
   

  	
  1.0369

  	
   

  	
  1.0351

  	
   

  	
  1.0334

  	
   

  	
  1.0317

  	
   

  	
  1.0301

  	
   

  	
  1.0285

  	
   

  
	
  25

  	
   

  	
  1.0483

  	
   

  	
  1.0462

  	
   

  	
  1.0442

  	
   

  	
  1.0422

  	
   

  	
  1.0402

  	
   

  	
  1.0383

  	
   

  	
  1.0364

  	
   

  	
  1.0346

  	
   

  	
  1.0328

  	
   

  	
  1.0311

  	
   

  
	
  26

  	
   

  	
  1.0525

  	
   

  	
  1.0502

  	
   

  	
  1.0480

  	
   

  	
  1.0459

  	
   

  	
  1.0438

  	
   

  	
  1.0417

  	
   

  	
  1.0397

  	
   

  	
  1.0377

  	
   

  	
  1.0358

  	
   

  	
  1.0340

  	
   

  
	
  27

  	
   

  	
  1.0570

  	
   

  	
  1.0546

  	
   

  	
  1.0522

  	
   

  	
  1.0499

  	
   

  	
  1.0476

  	
   

  	
  1.0454

  	
   

  	
  1.0433

  	
   

  	
  1.0411

  	
   

  	
  1.0391

  	
   

  	
  1.0371

  	
   

  
	
  28

  	
   

  	
  1.0619

  	
   

  	
  1.0593

  	
   

  	
  1.0568

  	
   

  	
  1.0543

  	
   

  	
  1.0519

  	
   

  	
  1.0495

  	
   

  	
  1.0472

  	
   

  	
  1.0449

  	
   

  	
  1.0427

  	
   

  	
  1.0405

  	
   

  
	
  29

  	
   

  	
  1.0671

  	
   

  	
  1.0644

  	
   

  	
  1.0617

  	
   

  	
  1.0591

  	
   

  	
  1.0565

  	
   

  	
  1.0539

  	
   

  	
  1.0514

  	
   

  	
  1.0490

  	
   

  	
  1.0466

  	
   

  	
  1.0443

  	
   

  
	
  30

  	
   

  	
  1.0728

  	
   

  	
  1.0700

  	
   

  	
  1.0671

  	
   

  	
  1.0643

  	
   

  	
  1.0615

  	
   

  	
  1.0588

  	
   

  	
  1.0561

  	
   

  	
  1.0534

  	
   

  	
  1.0509

  	
   

  	
  1.0484

  	
   

  
	
  31

  	
   

  	
  1.0790

  	
   

  	
  1.0759

  	
   

  	
  1.0729

  	
   

  	
  1.0699

  	
   

  	
  1.0669

  	
   

  	
  1.0640

  	
   

  	
  1.0611

  	
   

  	
  1.0583

  	
   

  	
  1.0556

  	
   

  	
  1.0528

  	
   

  
	
  32

  	
   

  	
  1.0856

  	
   

  	
  1.0824

  	
   

  	
  1.0792

  	
   

  	
  1.0760

  	
   

  	
  1.0728

  	
   

  	
  1.0697

  	
   

  	
  1.0667

  	
   

  	
  1.0636

  	
   

  	
  1.0607

  	
   

  	
  1.0578

  	
   

  
	
  33

  	
   

  	
  1.0927

  	
   

  	
  1.0893

  	
   

  	
  1.0860

  	
   

  	
  1.0826

  	
   

  	
  1.0792

  	
   

  	
  1.0759

  	
   

  	
  1.0726

  	
   

  	
  1.0694

  	
   

  	
  1.0662

  	
   

  	
  1.0631

  	
   

  
	
  34

  	
   

  	
  1.1004

  	
   

  	
  1.0969

  	
   

  	
  1.0933

  	
   

  	
  1.0897

  	
   

  	
  1.0862

  	
   

  	
  1.0826

  	
   

  	
  1.0791

  	
   

  	
  1.0757

  	
   

  	
  1.0723

  	
   

  	
  1.0689

  	
   

  
	
  35

  	
   

  	
  1.1087

  	
   

  	
  1.1049

  	
   

  	
  1.1012

  	
   

  	
  1.0974

  	
   

  	
  1.0936

  	
   

  	
  1.0899

  	
   

  	
  1.0862

  	
   

  	
  1.0825

  	
   

  	
  1.0789

  	
   

  	
  1.0753

  	
   

  
	
  36

  	
   

  	
  1.1176

  	
   

  	
  1.1136

  	
   

  	
  1.1097

  	
   

  	
  1.1057

  	
   

  	
  1.1017

  	
   

  	
  1.0978

  	
   

  	
  1.0938

  	
   

  	
  1.0899

  	
   

  	
  1.0860

  	
   

  	
  1.0822

  	
   

  
	
  37

  	
   

  	
  1.1271

  	
   

  	
  1.1230

  	
   

  	
  1.1188

  	
   

  	
  1.1146

  	
   

  	
  1.1104

  	
   

  	
  1.1063

  	
   

  	
  1.1021

  	
   

  	
  1.0979

  	
   

  	
  1.0938

  	
   

  	
  1.0897

  	
   

  
	
  38

  	
   

  	
  1.1374

  	
   

  	
  1.1330

  	
   

  	
  1.1287

  	
   

  	
  1.1243

  	
   

  	
  1.1199

  	
   

  	
  1.1154

  	
   

  	
  1.1110

  	
   

  	
  1.1066

  	
   

  	
  1.1023

  	
   

  	
  1.0979

  	
   

  
	
  39

  	
   

  	
  1.1484

  	
   

  	
  1.1438

  	
   

  	
  1.1392

  	
   

  	
  1.1346

  	
   

  	
  1.1300

  	
   

  	
  1.1253

  	
   

  	
  1.1207

  	
   

  	
  1.1160

  	
   

  	
  1.1114

  	
   

  	
  1.1068

  	
   

  
	
  40

  	
   

  	
  1.1601

  	
   

  	
  1.1554

  	
   

  	
  1.1506

  	
   

  	
  1.1458

  	
   

  	
  1.1409

  	
   

  	
  1.1360

  	
   

  	
  1.1311

  	
   

  	
  1.1262

  	
   

  	
  1.1213

  	
   

  	
  1.1164

  	
   

  
	
  41

  	
   

  	
  1.1728

  	
   

  	
  1.1678

  	
   

  	
  1.1628

  	
   

  	
  1.1578

  	
   

  	
  1.1527

  	
   

  	
  1.1475

  	
   

  	
  1.1424

  	
   

  	
  1.1372

  	
   

  	
  1.1320

  	
   

  	
  1.1268

  	
   

  
	
  42

  	
   

  	
  1.1863

  	
   

  	
  1.1811

  	
   

  	
  1.1759

  	
   

  	
  1.1707

  	
   

  	
  1.1653

  	
   

  	
  1.1599

  	
   

  	
  1.1545

  	
   

  	
  1.1490

  	
   

  	
  1.1436

  	
   

  	
  1.1381

  	
   

  
	
  43

  	
   

  	
  1.2007

  	
   

  	
  1.1953

  	
   

  	
  1.1899

  	
   

  	
  1.1844

  	
   

  	
  1.1788

  	
   

  	
  1.1732

  	
   

  	
  1.1675

  	
   

  	
  1.1618

  	
   

  	
  1.1560

  	
   

  	
  1.1502

  	
   

  
	
  44

  	
   

  	
  1.2160

  	
   

  	
  1.2105

  	
   

  	
  1.2048

  	
   

  	
  1.1991

  	
   

  	
  1.1933

  	
   

  	
  1.1874

  	
   

  	
  1.1814

  	
   

  	
  1.1754

  	
   

  	
  1.1693

  	
   

  	
  1.1632

  	
   

  
	
  45

  	
   

  	
  1.2323

  	
   

  	
  1.2265

  	
   

  	
  1.2207

  	
   

  	
  1.2147

  	
   

  	
  1.2086

  	
   

  	
  1.2025

  	
   

  	
  1.1962

  	
   

  	
  1.1899

  	
   

  	
  1.1836

  	
   

  	
  1.1772

  	
   

  
	
  46

  	
   

  	
  1.2496

  	
   

  	
  1.2436

  	
   

  	
  1.2375

  	
   

  	
  1.2313

  	
   

  	
  1.2250

  	
   

  	
  1.2186

  	
   

  	
  1.2121

  	
   

  	
  1.2054

  	
   

  	
  1.1988

  	
   

  	
  1.1920

  	
   

  
	
  47

  	
   

  	
  1.2678

  	
   

  	
  1.2617

  	
   

  	
  1.2554

  	
   

  	
  1.2489

  	
   

  	
  1.2424

  	
   

  	
  1.2357

  	
   

  	
  1.2289

  	
   

  	
  1.2220

  	
   

  	
  1.2150

  	
   

  	
  1.2079

  	
   

  
	
  48

  	
   

  	
  1.2872

  	
   

  	
  1.2808

  	
   

  	
  1.2743

  	
   

  	
  1.2676

  	
   

  	
  1.2608

  	
   

  	
  1.2538

  	
   

  	
  1.2467

  	
   

  	
  1.2395

  	
   

  	
  1.2322

  	
   

  	
  1.2248

  	
   

  
	
  49

  	
   

  	
  1.3077

  	
   

  	
  1.3011

  	
   

  	
  1.2944

  	
   

  	
  1.2874

  	
   

  	
  1.2803

  	
   

  	
  1.2731

  	
   

  	
  1.2657

  	
   

  	
  1.2582

  	
   

  	
  1.2506

  	
   

  	
  1.2428

  	
   

  
	
  50

  	
   

  	
  1.3294

  	
   

  	
  1.3226

  	
   

  	
  1.3156

  	
   

  	
  1.3084

  	
   

  	
  1.3011

  	
   

  	
  1.2936

  	
   

  	
  1.2859

  	
   

  	
  1.2781

  	
   

  	
  1.2701

  	
   

  	
  1.2620

  	
   

  
	
  51

  	
   

  	
  1.3524

  	
   

  	
  1.3454

  	
   

  	
  1.3381

  	
   

  	
  1.3307

  	
   

  	
  1.3231

  	
   

  	
  1.3153

  	
   

  	
  1.3073

  	
   

  	
  1.2992

  	
   

  	
  1.2909

  	
   

  	
  1.2824

  	
   

  
	
  52

  	
   

  	
  1.3768

  	
   

  	
  1.3695

  	
   

  	
  1.3620

  	
   

  	
  1.3543

  	
   

  	
  1.3465

  	
   

  	
  1.3384

  	
   

  	
  1.3301

  	
   

  	
  1.3216

  	
   

  	
  1.3130

  	
   

  	
  1.3042

  	
   

  
	
  53

  	
   

  	
  1.4027

  	
   

  	
  1.3951

  	
   

  	
  1.3874

  	
   

  	
  1.3795

  	
   

  	
  1.3713

  	
   

  	
  1.3629

  	
   

  	
  1.3543

  	
   

  	
  1.3455

  	
   

  	
  1.3365

  	
   

  	
  1.3274

  	
   

  
	
  54

  	
   

  	
  1.4301

  	
   

  	
  1.4224

  	
   

  	
  1.4144

  	
   

  	
  1.4062

  	
   

  	
  1.3977

  	
   

  	
  1.3890

  	
   

  	
  1.3801

  	
   

  	
  1.3710

  	
   

  	
  1.3617

  	
   

  	
  1.3521

  	
   

  
	
  55

  	
   

  	
  1.4594

  	
   

  	
  1.4514

  	
   

  	
  1.4431

  	
   

  	
  1.4346

  	
   

  	
  1.4259

  	
   

  	
  1.4169

  	
   

  	
  1.4077

  	
   

  	
  1.3982

  	
   

  	
  1.3885

  	
   

  	
  1.3785

  	
   

  
	
  56

  	
   

  	
  1.4906

  	
   

  	
  1.4823

  	
   

  	
  1.4738

  	
   

  	
  1.4650

  	
   

  	
  1.4560

  	
   

  	
  1.4466

  	
   

  	
  1.4371

  	
   

  	
  1.4272

  	
   

  	
  1.4172

  	
   

  	
  1.4068

  	
   

  
	
  57

  	
   

  	
  1.5239

  	
   

  	
  1.5154

  	
   

  	
  1.5066

  	
   

  	
  1.4975

  	
   

  	
  1.4881

  	
   

  	
  1.4785

  	
   

  	
  1.4685

  	
   

  	
  1.4583

  	
   

  	
  1.4479

  	
   

  	
  1.4371

  	
   

  
	
  58

  	
   

  	
  1.5596

  	
   

  	
  1.5508

  	
   

  	
  1.5417

  	
   

  	
  1.5323

  	
   

  	
  1.5226

  	
   

  	
  1.5126

  	
   

  	
  1.5023

  	
   

  	
  1.4917

  	
   

  	
  1.4808

  	
   

  	
  1.4697

  	
   

  
	
  59

  	
   

  	
  1.5979

  	
   

  	
  1.5887

  	
   

  	
  1.5793

  	
   

  	
  1.5696

  	
   

  	
  1.5596

  	
   

  	
  1.5492

  	
   

  	
  1.5385

  	
   

  	
  1.5276

  	
   

  	
  1.5163

  	
   

  	
  1.5047

  	
   

  
	
  60

  	
   

  	
  1.6390

  	
   

  	
  1.6296

  	
   

  	
  1.6198

  	
   

  	
  1.6098

  	
   

  	
  1.5994

  	
   

  	
  1.5886

  	
   

  	
  1.5776

  	
   

  	
  1.5662

  	
   

  	
  1.5544

  	
   

  	
  1.5424

  	
   

  
	
  61

  	
   

  	
  1.6833

  	
   

  	
  1.6735

  	
   

  	
  1.6634

  	
   

  	
  1.6530

  	
   

  	
  1.6422

  	
   

  	
  1.6311

  	
   

  	
  1.6196

  	
   

  	
  1.6078

  	
   

  	
  1.5956

  	
   

  	
  1.5830

  	
   

  
	
  62

  	
   

  	
  1.7310

  	
   

  	
  1.7209

  	
   

  	
  1.7104

  	
   

  	
  1.6996

  	
   

  	
  1.6884

  	
   

  	
  1.6769

  	
   

  	
  1.6650

  	
   

  	
  1.6527

  	
   

  	
  1.6400

  	
   

  	
  1.6270

  	
   

  
	
  63

  	
   

  	
  1.7824

  	
   

  	
  1.7719

  	
   

  	
  1.7611

  	
   

  	
  1.7499

  	
   

  	
  1.7383

  	
   

  	
  1.7263

  	
   

  	
  1.7139

  	
   

  	
  1.7011

  	
   

  	
  1.6879

  	
   

  	
  1.6743

  	
   

  
	
  64

  	
   

  	
  1.8378

  	
   

  	
  1.8269

  	
   

  	
  1.8156

  	
   

  	
  1.8040

  	
   

  	
  1.7919

  	
   

  	
  1.7795

  	
   

  	
  1.7666

  	
   

  	
  1.7533

  	
   

  	
  1.7396

  	
   

  	
  1.7255

  	
   

  
	
  65

  	
   

  	
  1.8973

  	
   

  	
  1.8860

  	
   

  	
  1.8743

  	
   

  	
  1.8622

  	
   

  	
  1.8497

  	
   

  	
  1.8368

  	
   

  	
  1.8234

  	
   

  	
  1.8095

  	
   

  	
  1.7952

  	
   

  	
  1.7805

  	
   

  
	
  66

  	
   

  	
  1.9612

  	
   

  	
  1.9495

  	
   

  	
  1.9373

  	
   

  	
  1.9247

  	
   

  	
  1.9117

  	
   

  	
  1.8982

  	
   

  	
  1.8843

  	
   

  	
  1.8699

  	
   

  	
  1.8550

  	
   

  	
  1.8396

  	
   

  
	
  67

  	
   

  	
  2.0295

  	
   

  	
  2.0173

  	
   

  	
  2.0046

  	
   

  	
  1.9915

  	
   

  	
  1.9780

  	
   

  	
  1.9640

  	
   

  	
  1.9494

  	
   

  	
  1.9344

  	
   

  	
  1.9189

  	
   

  	
  1.9029

  	
   

  
	
  68

  	
   

  	
  2.1027

  	
   

  	
  2.0900

  	
   

  	
  2.0768

  	
   

  	
  2.0632

  	
   

  	
  2.0491

  	
   

  	
  2.0345

  	
   

  	
  2.0193

  	
   

  	
  2.0037

  	
   

  	
  1.9875

  	
   

  	
  1.9708

  	
   

  
	
  69

  	
   

  	
  2.1818

  	
   

  	
  2.1686

  	
   

  	
  2.1549

  	
   

  	
  2.1407

  	
   

  	
  2.1260

  	
   

  	
  2.1107

  	
   

  	
  2.0949

  	
   

  	
  2.0786

  	
   

  	
  2.0617

  	
   

  	
  2.0442

  	
   

  
	
  70

  	
   

  	
  2.2678

  	
   

  	
  2.2540

  	
   

  	
  2.2397

  	
   

  	
  2.2249

  	
   

  	
  2.2095

  	
   

  	
  2.1936

  	
   

  	
  2.1771

  	
   

  	
  2.1600

  	
   

  	
  2.1423

  	
   

  	
  2.1241

  	
   

  



 


2





















 


	
  EMPLOYEE’S

  	
   

  	
  BENEFICIARY’S AGE

  	
   

  
	
  AGE

  	
   

  	
  40

  	
   

  	
  41

  	
   

  	
  42

  	
   

  	
  43

  	
   

  	
  44

  	
   

  	
  45

  	
   

  	
  46

  	
   

  	
  47

  	
   

  	
  48

  	
   

  	
  49

  	
   

  
	
  20

  	
   

  	
  1.0192

  	
   

  	
  1.0182

  	
   

  	
  1.0172

  	
   

  	
  1.0162

  	
   

  	
  1.0153

  	
   

  	
  1.0144

  	
   

  	
  1.0136

  	
   

  	
  1.0128

  	
   

  	
  1.0120

  	
   

  	
  1.0113

  	
   

  
	
  21

  	
   

  	
  1.0209

  	
   

  	
  1.0198

  	
   

  	
  1.0187

  	
   

  	
  1.0176

  	
   

  	
  1.0166

  	
   

  	
  1.0156

  	
   

  	
  1.0147

  	
   

  	
  1.0139

  	
   

  	
  1.0130

  	
   

  	
  1.0122

  	
   

  
	
  22

  	
   

  	
  1.0227

  	
   

  	
  1.0215

  	
   

  	
  1.0203

  	
   

  	
  1.0192

  	
   

  	
  1.0181

  	
   

  	
  1.0170

  	
   

  	
  1.0160

  	
   

  	
  1.0151

  	
   

  	
  1.0141

  	
   

  	
  1.0133

  	
   

  
	
  23

  	
   

  	
  1.0248

  	
   

  	
  1.0234

  	
   

  	
  1.0221

  	
   

  	
  1.0209

  	
   

  	
  1.0197

  	
   

  	
  1.0185

  	
   

  	
  1.0174

  	
   

  	
  1.0164

  	
   

  	
  1.0154

  	
   

  	
  1.0144

  	
   

  
	
  24

  	
   

  	
  1.0270

  	
   

  	
  1.0255

  	
   

  	
  1.0241

  	
   

  	
  1.0228

  	
   

  	
  1.0215

  	
   

  	
  1.0202

  	
   

  	
  1.0190

  	
   

  	
  1.0179

  	
   

  	
  1.0168

  	
   

  	
  1.0157

  	
   

  
	
  25

  	
   

  	
  1.0295

  	
   

  	
  1.0279

  	
   

  	
  1.0263

  	
   

  	
  1.0249

  	
   

  	
  1.0234

  	
   

  	
  1.0221

  	
   

  	
  1.0208

  	
   

  	
  1.0195

  	
   

  	
  1.0183

  	
   

  	
  1.0172

  	
   

  
	
  26

  	
   

  	
  1.0322

  	
   

  	
  1.0304

  	
   

  	
  1.0288

  	
   

  	
  1.0272

  	
   

  	
  1.0256

  	
   

  	
  1.0241

  	
   

  	
  1.0227

  	
   

  	
  1.0213

  	
   

  	
  1.0200

  	
   

  	
  1.0188

  	
   

  
	
  27

  	
   

  	
  1.0351

  	
   

  	
  1.0333

  	
   

  	
  1.0315

  	
   

  	
  1.0297

  	
   

  	
  1.0280

  	
   

  	
  1.0264

  	
   

  	
  1.0248

  	
   

  	
  1.0233

  	
   

  	
  1.0219

  	
   

  	
  1.0206

  	
   

  
	
  28

  	
   

  	
  1.0384

  	
   

  	
  1.0364

  	
   

  	
  1.0344

  	
   

  	
  1.0325

  	
   

  	
  1.0307

  	
   

  	
  1.0289

  	
   

  	
  1.0272

  	
   

  	
  1.0256

  	
   

  	
  1.0240

  	
   

  	
  1.0225

  	
   

  
	
  29

  	
   

  	
  1.0420

  	
   

  	
  1.0398

  	
   

  	
  1.0377

  	
   

  	
  1.0356

  	
   

  	
  1.0336

  	
   

  	
  1.0317

  	
   

  	
  1.0298

  	
   

  	
  1.0280

  	
   

  	
  1.0263

  	
   

  	
  1.0247

  	
   

  
	
  30

  	
   

  	
  1.0459

  	
   

  	
  1.0435

  	
   

  	
  1.0412

  	
   

  	
  1.0390

  	
   

  	
  1.0368

  	
   

  	
  1.0347

  	
   

  	
  1.0327

  	
   

  	
  1.0308

  	
   

  	
  1.0289

  	
   

  	
  1.0271

  	
   

  
	
  31

  	
   

  	
  1.0502

  	
   

  	
  1.0476

  	
   

  	
  1.0451

  	
   

  	
  1.0427

  	
   

  	
  1.0404

  	
   

  	
  1.0381

  	
   

  	
  1.0359

  	
   

  	
  1.0338

  	
   

  	
  1.0318

  	
   

  	
  1.0298

  	
   

  
	
  32

  	
   

  	
  1.0549

  	
   

  	
  1.0521

  	
   

  	
  1.0494

  	
   

  	
  1.0468

  	
   

  	
  1.0443

  	
   

  	
  1.0418

  	
   

  	
  1.0394

  	
   

  	
  1.0371

  	
   

  	
  1.0349

  	
   

  	
  1.0328

  	
   

  
	
  33

  	
   

  	
  1.0600

  	
   

  	
  1.0571

  	
   

  	
  1.0541

  	
   

  	
  1.0513

  	
   

  	
  1.0486

  	
   

  	
  1.0459

  	
   

  	
  1.0433

  	
   

  	
  1.0408

  	
   

  	
  1.0384

  	
   

  	
  1.0361

  	
   

  
	
  34

  	
   

  	
  1.0657

  	
   

  	
  1.0624

  	
   

  	
  1.0593

  	
   

  	
  1.0562

  	
   

  	
  1.0533

  	
   

  	
  1.0504

  	
   

  	
  1.0476

  	
   

  	
  1.0448

  	
   

  	
  1.0422

  	
   

  	
  1.0397

  	
   

  
	
  35

  	
   

  	
  1.0718

  	
   

  	
  1.0683

  	
   

  	
  1.0649

  	
   

  	
  1.0616

  	
   

  	
  1.0584

  	
   

  	
  1.0553

  	
   

  	
  1.0523

  	
   

  	
  1.0493

  	
   

  	
  1.0465

  	
   

  	
  1.0437

  	
   

  
	
  36

  	
   

  	
  1.0785

  	
   

  	
  1.0748

  	
   

  	
  1.0711

  	
   

  	
  1.0676

  	
   

  	
  1.0641

  	
   

  	
  1.0607

  	
   

  	
  1.0574

  	
   

  	
  1.0542

  	
   

  	
  1.0511

  	
   

  	
  1.0481

  	
   

  
	
  37

  	
   

  	
  1.0857

  	
   

  	
  1.0818

  	
   

  	
  1.0779

  	
   

  	
  1.0740

  	
   

  	
  1.0703

  	
   

  	
  1.0666

  	
   

  	
  1.0631

  	
   

  	
  1.0596

  	
   

  	
  1.0563

  	
   

  	
  1.0530

  	
   

  
	
  38

  	
   

  	
  1.0936

  	
   

  	
  1.0894

  	
   

  	
  1.0852

  	
   

  	
  1.0811

  	
   

  	
  1.0771

  	
   

  	
  1.0731

  	
   

  	
  1.0693

  	
   

  	
  1.0655

  	
   

  	
  1.0619

  	
   

  	
  1.0584

  	
   

  
	
  39

  	
   

  	
  1.1022

  	
   

  	
  1.0977

  	
   

  	
  1.0932

  	
   

  	
  1.0888

  	
   

  	
  1.0845

  	
   

  	
  1.0803

  	
   

  	
  1.0761

  	
   

  	
  1.0721

  	
   

  	
  1.0681

  	
   

  	
  1.0643

  	
   

  
	
  40

  	
   

  	
  1.1115

  	
   

  	
  1.1067

  	
   

  	
  1.1019

  	
   

  	
  1.0972

  	
   

  	
  1.0926

  	
   

  	
  1.0880

  	
   

  	
  1.0836

  	
   

  	
  1.0792

  	
   

  	
  1.0750

  	
   

  	
  1.0708

  	
   

  
	
  41

  	
   

  	
  1.1217

  	
   

  	
  1.1165

  	
   

  	
  1.1114

  	
   

  	
  1.1064

  	
   

  	
  1.1014

  	
   

  	
  1.0966

  	
   

  	
  1.0918

  	
   

  	
  1.0871

  	
   

  	
  1.0825

  	
   

  	
  1.0780

  	
   

  
	
  42

  	
   

  	
  1.1326

  	
   

  	
  1.1272

  	
   

  	
  1.1218

  	
   

  	
  1.1164

  	
   

  	
  1.1111

  	
   

  	
  1.1058

  	
   

  	
  1.1007

  	
   

  	
  1.0956

  	
   

  	
  1.0907

  	
   

  	
  1.0858

  	
   

  
	
  43

  	
   

  	
  1.1444

  	
   

  	
  1.1386

  	
   

  	
  1.1329

  	
   

  	
  1.1272

  	
   

  	
  1.1215

  	
   

  	
  1.1159

  	
   

  	
  1.1104

  	
   

  	
  1.1050

  	
   

  	
  1.0996

  	
   

  	
  1.0944

  	
   

  
	
  44

  	
   

  	
  1.1571

  	
   

  	
  1.1510

  	
   

  	
  1.1449

  	
   

  	
  1.1388

  	
   

  	
  1.1328

  	
   

  	
  1.1268

  	
   

  	
  1.1209

  	
   

  	
  1.1151

  	
   

  	
  1.1093

  	
   

  	
  1.1037

  	
   

  
	
  45

  	
   

  	
  1.1707

  	
   

  	
  1.1642

  	
   

  	
  1.1578

  	
   

  	
  1.1513

  	
   

  	
  1.1449

  	
   

  	
  1.1385

  	
   

  	
  1.1322

  	
   

  	
  1.1260

  	
   

  	
  1.1198

  	
   

  	
  1.1138

  	
   

  
	
  46

  	
   

  	
  1.1852

  	
   

  	
  1.1784

  	
   

  	
  1.1716

  	
   

  	
  1.1648

  	
   

  	
  1.1580

  	
   

  	
  1.1512

  	
   

  	
  1.1444

  	
   

  	
  1.1378

  	
   

  	
  1.1312

  	
   

  	
  1.1247

  	
   

  
	
  47

  	
   

  	
  1.2008

  	
   

  	
  1.1936

  	
   

  	
  1.1864

  	
   

  	
  1.1792

  	
   

  	
  1.1719

  	
   

  	
  1.1647

  	
   

  	
  1.1576

  	
   

  	
  1.1505

  	
   

  	
  1.1434

  	
   

  	
  1.1365

  	
   

  
	
  48

  	
   

  	
  1.2173

  	
   

  	
  1.2098

  	
   

  	
  1.2022

  	
   

  	
  1.1946

  	
   

  	
  1.1869

  	
   

  	
  1.1793

  	
   

  	
  1.1717

  	
   

  	
  1.1641

  	
   

  	
  1.1566

  	
   

  	
  1.1492

  	
   

  
	
  49

  	
   

  	
  1.2350

  	
   

  	
  1.2271

  	
   

  	
  1.2191

  	
   

  	
  1.2110

  	
   

  	
  1.2030

  	
   

  	
  1.1949

  	
   

  	
  1.1868

  	
   

  	
  1.1788

  	
   

  	
  1.1708

  	
   

  	
  1.1628

  	
   

  
	
  50

  	
   

  	
  1.2538

  	
   

  	
  1.2455

  	
   

  	
  1.2371

  	
   

  	
  1.2286

  	
   

  	
  1.2201

  	
   

  	
  1.2116

  	
   

  	
  1.2030

  	
   

  	
  1.1945

  	
   

  	
  1.1860

  	
   

  	
  1.1775

  	
   

  
	
  51

  	
   

  	
  1.2739

  	
   

  	
  1.2651

  	
   

  	
  1.2563

  	
   

  	
  1.2474

  	
   

  	
  1.2385

  	
   

  	
  1.2295

  	
   

  	
  1.2204

  	
   

  	
  1.2114

  	
   

  	
  1.2023

  	
   

  	
  1.1933

  	
   

  
	
  52

  	
   

  	
  1.2952

  	
   

  	
  1.2861

  	
   

  	
  1.2769

  	
   

  	
  1.2676

  	
   

  	
  1.2581

  	
   

  	
  1.2486

  	
   

  	
  1.2391

  	
   

  	
  1.2295

  	
   

  	
  1.2199

  	
   

  	
  1.2104

  	
   

  
	
  53

  	
   

  	
  1.3180

  	
   

  	
  1.3085

  	
   

  	
  1.2989

  	
   

  	
  1.2891

  	
   

  	
  1.2792

  	
   

  	
  1.2692

  	
   

  	
  1.2591

  	
   

  	
  1.2490

  	
   

  	
  1.2389

  	
   

  	
  1.2287

  	
   

  
	
  54

  	
   

  	
  1.3424

  	
   

  	
  1.3324

  	
   

  	
  1.3223

  	
   

  	
  1.3121

  	
   

  	
  1.3017

  	
   

  	
  1.2912

  	
   

  	
  1.2806

  	
   

  	
  1.2699

  	
   

  	
  1.2592

  	
   

  	
  1.2485

  	
   

  
	
  55

  	
   

  	
  1.3684

  	
   

  	
  1.3580

  	
   

  	
  1.3475

  	
   

  	
  1.3368

  	
   

  	
  1.3259

  	
   

  	
  1.3148

  	
   

  	
  1.3037

  	
   

  	
  1.2925

  	
   

  	
  1.2811

  	
   

  	
  1.2698

  	
   

  
	
  56

  	
   

  	
  1.3963

  	
   

  	
  1.3855

  	
   

  	
  1.3744

  	
   

  	
  1.3632

  	
   

  	
  1.3518

  	
   

  	
  1.3403

  	
   

  	
  1.3285

  	
   

  	
  1.3167

  	
   

  	
  1.3048

  	
   

  	
  1.2928

  	
   

  
	
  57

  	
   

  	
  1.4261

  	
   

  	
  1.4149

  	
   

  	
  1.4034

  	
   

  	
  1.3917

  	
   

  	
  1.3797

  	
   

  	
  1.3676

  	
   

  	
  1.3553

  	
   

  	
  1.3429

  	
   

  	
  1.3303

  	
   

  	
  1.3176

  	
   

  
	
  58

  	
   

  	
  1.4582

  	
   

  	
  1.4465

  	
   

  	
  1.4345

  	
   

  	
  1.4223

  	
   

  	
  1.4098

  	
   

  	
  1.3971

  	
   

  	
  1.3842

  	
   

  	
  1.3711

  	
   

  	
  1.3579

  	
   

  	
  1.3445

  	
   

  
	
  59

  	
   

  	
  1.4928

  	
   

  	
  1.4805

  	
   

  	
  1.4680

  	
   

  	
  1.4553

  	
   

  	
  1.4422

  	
   

  	
  1.4289

  	
   

  	
  1.4154

  	
   

  	
  1.4017

  	
   

  	
  1.3878

  	
   

  	
  1.3737

  	
   

  
	
  60

  	
   

  	
  1.5300

  	
   

  	
  1.5173

  	
   

  	
  1.5042

  	
   

  	
  1.4909

  	
   

  	
  1.4773

  	
   

  	
  1.4634

  	
   

  	
  1.4492

  	
   

  	
  1.4348

  	
   

  	
  1.4202

  	
   

  	
  1.4053

  	
   

  
	
  61

  	
   

  	
  1.5701

  	
   

  	
  1.5569

  	
   

  	
  1.5433

  	
   

  	
  1.5294

  	
   

  	
  1.5151

  	
   

  	
  1.5006

  	
   

  	
  1.4857

  	
   

  	
  1.4706

  	
   

  	
  1.4553

  	
   

  	
  1.4397

  	
   

  
	
  62

  	
   

  	
  1.6135

  	
   

  	
  1.5997

  	
   

  	
  1.5855

  	
   

  	
  1.5710

  	
   

  	
  1.5561

  	
   

  	
  1.5409

  	
   

  	
  1.5254

  	
   

  	
  1.5095

  	
   

  	
  1.4934

  	
   

  	
  1.4770

  	
   

  
	
  63

  	
   

  	
  1.6604

  	
   

  	
  1.6460

  	
   

  	
  1.6312

  	
   

  	
  1.6160

  	
   

  	
  1.6004

  	
   

  	
  1.5845

  	
   

  	
  1.5682

  	
   

  	
  1.5516

  	
   

  	
  1.5347

  	
   

  	
  1.5174

  	
   

  
	
  64

  	
   

  	
  1.7109

  	
   

  	
  1.6959

  	
   

  	
  1.6804

  	
   

  	
  1.6646

  	
   

  	
  1.6483

  	
   

  	
  1.6317

  	
   

  	
  1.6146

  	
   

  	
  1.5972

  	
   

  	
  1.5794

  	
   

  	
  1.5613

  	
   

  
	
  65

  	
   

  	
  1.7653

  	
   

  	
  1.7496

  	
   

  	
  1.7335

  	
   

  	
  1.7170

  	
   

  	
  1.7000

  	
   

  	
  1.6825

  	
   

  	
  1.6647

  	
   

  	
  1.6464

  	
   

  	
  1.6277

  	
   

  	
  1.6087

  	
   

  
	
  66

  	
   

  	
  1.8238

  	
   

  	
  1.8074

  	
   

  	
  1.7906

  	
   

  	
  1.7733

  	
   

  	
  1.7555

  	
   

  	
  1.7373

  	
   

  	
  1.7185

  	
   

  	
  1.6994

  	
   

  	
  1.6798

  	
   

  	
  1.6598

  	
   

  
	
  67

  	
   

  	
  1.8863

  	
   

  	
  1.8693

  	
   

  	
  1.8517

  	
   

  	
  1.8336

  	
   

  	
  1.8150

  	
   

  	
  1.7959

  	
   

  	
  1.7763

  	
   

  	
  1.7562

  	
   

  	
  1.7356

  	
   

  	
  1.7146

  	
   

  
	
  68

  	
   

  	
  1.9535

  	
   

  	
  1.9357

  	
   

  	
  1.9173

  	
   

  	
  1.8984

  	
   

  	
  1.8790

  	
   

  	
  1.8589

  	
   

  	
  1.8384

  	
   

  	
  1.8173

  	
   

  	
  1.7957

  	
   

  	
  1.7736

  	
   

  
	
  69

  	
   

  	
  2.0262

  	
   

  	
  2.0076

  	
   

  	
  1.9883

  	
   

  	
  1.9685

  	
   

  	
  1.9482

  	
   

  	
  1.9272

  	
   

  	
  1.9057

  	
   

  	
  1.8836

  	
   

  	
  1.8609

  	
   

  	
  1.8377

  	
   

  
	
  70

  	
   

  	
  2.1052

  	
   

  	
  2.0857

  	
   

  	
  2.0656

  	
   

  	
  2.0449

  	
   

  	
  2.0235

  	
   

  	
  2.0015

  	
   

  	
  1.9789

  	
   

  	
  1.9557

  	
   

  	
  1.9319

  	
   

  	
  1.9074

  	
   

  



 


3





















 


	
  EMPLOYEE’S

  	
   

  	
  BENEFICIARY’S AGE

  	
   

  
	
  AGE

  	
   

  	
  50

  	
   

  	
  51

  	
   

  	
  52

  	
   

  	
  53

  	
   

  	
  54

  	
   

  	
  55

  	
   

  	
  56

  	
   

  	
  57

  	
   

  	
  58

  	
   

  	
  59

  	
   

  
	
  20

  	
   

  	
  1.0106

  	
   

  	
  1.0099

  	
   

  	
  1.0093

  	
   

  	
  1.0087

  	
   

  	
  1.0081

  	
   

  	
  1.0076

  	
   

  	
  1.0071

  	
   

  	
  1.0066

  	
   

  	
  1.0062

  	
   

  	
  1.0057

  	
   

  
	
  21

  	
   

  	
  1.0115

  	
   

  	
  1.0107

  	
   

  	
  1.0100

  	
   

  	
  1.0094

  	
   

  	
  1.0088

  	
   

  	
  1.0082

  	
   

  	
  1.0076

  	
   

  	
  1.0071

  	
   

  	
  1.0066

  	
   

  	
  1.0061

  	
   

  
	
  22

  	
   

  	
  1.0124

  	
   

  	
  1.0116

  	
   

  	
  1.0109

  	
   

  	
  1.0102

  	
   

  	
  1.0095

  	
   

  	
  1.0089

  	
   

  	
  1.0083

  	
   

  	
  1.0077

  	
   

  	
  1.0071

  	
   

  	
  1.0066

  	
   

  
	
  23

  	
   

  	
  1.0135

  	
   

  	
  1.0127

  	
   

  	
  1.0118

  	
   

  	
  1.0111

  	
   

  	
  1.0103

  	
   

  	
  1.0096

  	
   

  	
  1.0089

  	
   

  	
  1.0083

  	
   

  	
  1.0077

  	
   

  	
  1.0072

  	
   

  
	
  24

  	
   

  	
  1.0147

  	
   

  	
  1.0138

  	
   

  	
  1.0129

  	
   

  	
  1.0120

  	
   

  	
  1.0112

  	
   

  	
  1.0104

  	
   

  	
  1.0097

  	
   

  	
  1.0090

  	
   

  	
  1.0084

  	
   

  	
  1.0078

  	
   

  
	
  25

  	
   

  	
  1.0161

  	
   

  	
  1.0150

  	
   

  	
  1.0141

  	
   

  	
  1.0131

  	
   

  	
  1.0122

  	
   

  	
  1.0114

  	
   

  	
  1.0106

  	
   

  	
  1.0098

  	
   

  	
  1.0091

  	
   

  	
  1.0084

  	
   

  
	
  26

  	
   

  	
  1.0176

  	
   

  	
  1.0164

  	
   

  	
  1.0154

  	
   

  	
  1.0143

  	
   

  	
  1.0133

  	
   

  	
  1.0124

  	
   

  	
  1.0115

  	
   

  	
  1.0107

  	
   

  	
  1.0099

  	
   

  	
  1.0092

  	
   

  
	
  27

  	
   

  	
  1.0192

  	
   

  	
  1.0180

  	
   

  	
  1.0168

  	
   

  	
  1.0157

  	
   

  	
  1.0146

  	
   

  	
  1.0136

  	
   

  	
  1.0126

  	
   

  	
  1.0117

  	
   

  	
  1.0108

  	
   

  	
  1.0100

  	
   

  
	
  28

  	
   

  	
  1.0211

  	
   

  	
  1.0197

  	
   

  	
  1.0184

  	
   

  	
  1.0172

  	
   

  	
  1.0160

  	
   

  	
  1.0149

  	
   

  	
  1.0138

  	
   

  	
  1.0128

  	
   

  	
  1.0119

  	
   

  	
  1.0110

  	
   

  
	
  29

  	
   

  	
  1.0231

  	
   

  	
  1.0217

  	
   

  	
  1.0202

  	
   

  	
  1.0189

  	
   

  	
  1.0176

  	
   

  	
  1.0163

  	
   

  	
  1.0152

  	
   

  	
  1.0141

  	
   

  	
  1.0130

  	
   

  	
  1.0120

  	
   

  
	
  30

  	
   

  	
  1.0254

  	
   

  	
  1.0238

  	
   

  	
  1.0222

  	
   

  	
  1.0207

  	
   

  	
  1.0193

  	
   

  	
  1.0180

  	
   

  	
  1.0167

  	
   

  	
  1.0155

  	
   

  	
  1.0143

  	
   

  	
  1.0132

  	
   

  
	
  31

  	
   

  	
  1.0279

  	
   

  	
  1.0262

  	
   

  	
  1.0244

  	
   

  	
  1.0228

  	
   

  	
  1.0213

  	
   

  	
  1.0198

  	
   

  	
  1.0184

  	
   

  	
  1.0170

  	
   

  	
  1.0158

  	
   

  	
  1.0146

  	
   

  
	
  32

  	
   

  	
  1.0307

  	
   

  	
  1.0288

  	
   

  	
  1.0269

  	
   

  	
  1.0251

  	
   

  	
  1.0234

  	
   

  	
  1.0218

  	
   

  	
  1.0202

  	
   

  	
  1.0188

  	
   

  	
  1.0174

  	
   

  	
  1.0160

  	
   

  
	
  33

  	
   

  	
  1.0338

  	
   

  	
  1.0317

  	
   

  	
  1.0296

  	
   

  	
  1.0277

  	
   

  	
  1.0258

  	
   

  	
  1.0240

  	
   

  	
  1.0223

  	
   

  	
  1.0207

  	
   

  	
  1.0192

  	
   

  	
  1.0177

  	
   

  
	
  34

  	
   

  	
  1.0373

  	
   

  	
  1.0349

  	
   

  	
  1.0327

  	
   

  	
  1.0305

  	
   

  	
  1.0285

  	
   

  	
  1.0265

  	
   

  	
  1.0247

  	
   

  	
  1.0229

  	
   

  	
  1.0212

  	
   

  	
  1.0196

  	
   

  
	
  35

  	
   

  	
  1.0411

  	
   

  	
  1.0385

  	
   

  	
  1.0361

  	
   

  	
  1.0337

  	
   

  	
  1.0315

  	
   

  	
  1.0293

  	
   

  	
  1.0273

  	
   

  	
  1.0253

  	
   

  	
  1.0234

  	
   

  	
  1.0217

  	
   

  
	
  36

  	
   

  	
  1.0452

  	
   

  	
  1.0425

  	
   

  	
  1.0398

  	
   

  	
  1.0372

  	
   

  	
  1.0347

  	
   

  	
  1.0324

  	
   

  	
  1.0301

  	
   

  	
  1.0280

  	
   

  	
  1.0260

  	
   

  	
  1.0240

  	
   

  
	
  37

  	
   

  	
  1.0499

  	
   

  	
  1.0468

  	
   

  	
  1.0439

  	
   

  	
  1.0411

  	
   

  	
  1.0384

  	
   

  	
  1.0358

  	
   

  	
  1.0334

  	
   

  	
  1.0310

  	
   

  	
  1.0288

  	
   

  	
  1.0266

  	
   

  
	
  38

  	
   

  	
  1.0550

  	
   

  	
  1.0517

  	
   

  	
  1.0485

  	
   

  	
  1.0454

  	
   

  	
  1.0425

  	
   

  	
  1.0396

  	
   

  	
  1.0369

  	
   

  	
  1.0344

  	
   

  	
  1.0319

  	
   

  	
  1.0295

  	
   

  
	
  39

  	
   

  	
  1.0606

  	
   

  	
  1.0570

  	
   

  	
  1.0535

  	
   

  	
  1.0502

  	
   

  	
  1.0470

  	
   

  	
  1.0439

  	
   

  	
  1.0409

  	
   

  	
  1.0381

  	
   

  	
  1.0354

  	
   

  	
  1.0328

  	
   

  
	
  40

  	
   

  	
  1.0668

  	
   

  	
  1.0629

  	
   

  	
  1.0591

  	
   

  	
  1.0555

  	
   

  	
  1.0520

  	
   

  	
  1.0486

  	
   

  	
  1.0453

  	
   

  	
  1.0422

  	
   

  	
  1.0393

  	
   

  	
  1.0364

  	
   

  
	
  41

  	
   

  	
  1.0736

  	
   

  	
  1.0694

  	
   

  	
  1.0653

  	
   

  	
  1.0613

  	
   

  	
  1.0575

  	
   

  	
  1.0538

  	
   

  	
  1.0502

  	
   

  	
  1.0468

  	
   

  	
  1.0436

  	
   

  	
  1.0405

  	
   

  
	
  42

  	
   

  	
  1.0811

  	
   

  	
  1.0765

  	
   

  	
  1.0721

  	
   

  	
  1.0677

  	
   

  	
  1.0636

  	
   

  	
  1.0595

  	
   

  	
  1.0557

  	
   

  	
  1.0519

  	
   

  	
  1.0484

  	
   

  	
  1.0450

  	
   

  
	
  43

  	
   

  	
  1.0893

  	
   

  	
  1.0843

  	
   

  	
  1.0795

  	
   

  	
  1.0748

  	
   

  	
  1.0703

  	
   

  	
  1.0659

  	
   

  	
  1.0616

  	
   

  	
  1.0576

  	
   

  	
  1.0536

  	
   

  	
  1.0499

  	
   

  
	
  44

  	
   

  	
  1.0982

  	
   

  	
  1.0928

  	
   

  	
  1.0876

  	
   

  	
  1.0825

  	
   

  	
  1.0776

  	
   

  	
  1.0728

  	
   

  	
  1.0682

  	
   

  	
  1.0637

  	
   

  	
  1.0594

  	
   

  	
  1.0553

  	
   

  
	
  45

  	
   

  	
  1.1079

  	
   

  	
  1.1021

  	
   

  	
  1.0964

  	
   

  	
  1.0909

  	
   

  	
  1.0855

  	
   

  	
  1.0803

  	
   

  	
  1.0753

  	
   

  	
  1.0704

  	
   

  	
  1.0658

  	
   

  	
  1.0613

  	
   

  
	
  46

  	
   

  	
  1.1183

  	
   

  	
  1.1121

  	
   

  	
  1.1060

  	
   

  	
  1.1000

  	
   

  	
  1.0942

  	
   

  	
  1.0885

  	
   

  	
  1.0831

  	
   

  	
  1.0778

  	
   

  	
  1.0727

  	
   

  	
  1.0678

  	
   

  
	
  47

  	
   

  	
  1.1296

  	
   

  	
  1.1229

  	
   

  	
  1.1163

  	
   

  	
  1.1099

  	
   

  	
  1.1036

  	
   

  	
  1.0975

  	
   

  	
  1.0915

  	
   

  	
  1.0858

  	
   

  	
  1.0802

  	
   

  	
  1.0749

  	
   

  
	
  48

  	
   

  	
  1.1418

  	
   

  	
  1.1346

  	
   

  	
  1.1275

  	
   

  	
  1.1206

  	
   

  	
  1.1138

  	
   

  	
  1.1071

  	
   

  	
  1.1007

  	
   

  	
  1.0944

  	
   

  	
  1.0884

  	
   

  	
  1.0826

  	
   

  
	
  49

  	
   

  	
  1.1550

  	
   

  	
  1.1472

  	
   

  	
  1.1396

  	
   

  	
  1.1321

  	
   

  	
  1.1248

  	
   

  	
  1.1176

  	
   

  	
  1.1107

  	
   

  	
  1.1039

  	
   

  	
  1.0973

  	
   

  	
  1.0910

  	
   

  
	
  50

  	
   

  	
  1.1691

  	
   

  	
  1.1609

  	
   

  	
  1.1527

  	
   

  	
  1.1446

  	
   

  	
  1.1367

  	
   

  	
  1.1290

  	
   

  	
  1.1215

  	
   

  	
  1.1141

  	
   

  	
  1.1070

  	
   

  	
  1.1001

  	
   

  
	
  51

  	
   

  	
  1.1844

  	
   

  	
  1.1756

  	
   

  	
  1.1668

  	
   

  	
  1.1582

  	
   

  	
  1.1497

  	
   

  	
  1.1413

  	
   

  	
  1.1332

  	
   

  	
  1.1252

  	
   

  	
  1.1175

  	
   

  	
  1.1100

  	
   

  
	
  52

  	
   

  	
  1.2009

  	
   

  	
  1.1914

  	
   

  	
  1.1821

  	
   

  	
  1.1728

  	
   

  	
  1.1637

  	
   

  	
  1.1547

  	
   

  	
  1.1459

  	
   

  	
  1.1374

  	
   

  	
  1.1290

  	
   

  	
  1.1209

  	
   

  
	
  53

  	
   

  	
  1.2186

  	
   

  	
  1.2085

  	
   

  	
  1.1985

  	
   

  	
  1.1886

  	
   

  	
  1.1789

  	
   

  	
  1.1692

  	
   

  	
  1.1598

  	
   

  	
  1.1505

  	
   

  	
  1.1415

  	
   

  	
  1.1327

  	
   

  
	
  54

  	
   

  	
  1.2377

  	
   

  	
  1.2270

  	
   

  	
  1.2164

  	
   

  	
  1.2058

  	
   

  	
  1.1953

  	
   

  	
  1.1850

  	
   

  	
  1.1748

  	
   

  	
  1.1649

  	
   

  	
  1.1551

  	
   

  	
  1.1456

  	
   

  
	
  55

  	
   

  	
  1.2584

  	
   

  	
  1.2470

  	
   

  	
  1.2357

  	
   

  	
  1.2244

  	
   

  	
  1.2132

  	
   

  	
  1.2021

  	
   

  	
  1.1912

  	
   

  	
  1.1805

  	
   

  	
  1.1700

  	
   

  	
  1.1597

  	
   

  
	
  56

  	
   

  	
  1.2807

  	
   

  	
  1.2687

  	
   

  	
  1.2566

  	
   

  	
  1.2446

  	
   

  	
  1.2326

  	
   

  	
  1.2208

  	
   

  	
  1.2091

  	
   

  	
  1.1976

  	
   

  	
  1.1862

  	
   

  	
  1.1751

  	
   

  
	
  57

  	
   

  	
  1.3049

  	
   

  	
  1.2921

  	
   

  	
  1.2793

  	
   

  	
  1.2665

  	
   

  	
  1.2538

  	
   

  	
  1.2411

  	
   

  	
  1.2286

  	
   

  	
  1.2162

  	
   

  	
  1.2040

  	
   

  	
  1.1921

  	
   

  
	
  58

  	
   

  	
  1.3311

  	
   

  	
  1.3175

  	
   

  	
  1.3040

  	
   

  	
  1.2904

  	
   

  	
  1.2768

  	
   

  	
  1.2633

  	
   

  	
  1.2499

  	
   

  	
  1.2366

  	
   

  	
  1.2235

  	
   

  	
  1.2107

  	
   

  
	
  59

  	
   

  	
  1.3595

  	
   

  	
  1.3452

  	
   

  	
  1.3308

  	
   

  	
  1.3164

  	
   

  	
  1.3019

  	
   

  	
  1.2875

  	
   

  	
  1.2732

  	
   

  	
  1.2590

  	
   

  	
  1.2449

  	
   

  	
  1.2311

  	
   

  
	
  60

  	
   

  	
  1.3903

  	
   

  	
  1.3752

  	
   

  	
  1.3600

  	
   

  	
  1.3447

  	
   

  	
  1.3294

  	
   

  	
  1.3140

  	
   

  	
  1.2987

  	
   

  	
  1.2835

  	
   

  	
  1.2684

  	
   

  	
  1.2536

  	
   

  
	
  61

  	
   

  	
  1.4239

  	
   

  	
  1.4079

  	
   

  	
  1.3918

  	
   

  	
  1.3756

  	
   

  	
  1.3593

  	
   

  	
  1.3430

  	
   

  	
  1.3267

  	
   

  	
  1.3104

  	
   

  	
  1.2943

  	
   

  	
  1.2783

  	
   

  
	
  62

  	
   

  	
  1.4603

  	
   

  	
  1.4435

  	
   

  	
  1.4264

  	
   

  	
  1.4093

  	
   

  	
  1.3920

  	
   

  	
  1.3746

  	
   

  	
  1.3572

  	
   

  	
  1.3399

  	
   

  	
  1.3226

  	
   

  	
  1.3055

  	
   

  
	
  63

  	
   

  	
  1.4999

  	
   

  	
  1.4821

  	
   

  	
  1.4641

  	
   

  	
  1.4460

  	
   

  	
  1.4276

  	
   

  	
  1.4092

  	
   

  	
  1.3907

  	
   

  	
  1.3722

  	
   

  	
  1.3537

  	
   

  	
  1.3354

  	
   

  
	
  64

  	
   

  	
  1.5428

  	
   

  	
  1.5241

  	
   

  	
  1.5051

  	
   

  	
  1.4859

  	
   

  	
  1.4664

  	
   

  	
  1.4468

  	
   

  	
  1.4272

  	
   

  	
  1.4074

  	
   

  	
  1.3877

  	
   

  	
  1.3681

  	
   

  
	
  65

  	
   

  	
  1.5892

  	
   

  	
  1.5695

  	
   

  	
  1.5495

  	
   

  	
  1.5291

  	
   

  	
  1.5086

  	
   

  	
  1.4878

  	
   

  	
  1.4669

  	
   

  	
  1.4459

  	
   

  	
  1.4249

  	
   

  	
  1.4039

  	
   

  
	
  66

  	
   

  	
  1.6393

  	
   

  	
  1.6185

  	
   

  	
  1.5974

  	
   

  	
  1.5759

  	
   

  	
  1.5541

  	
   

  	
  1.5321

  	
   

  	
  1.5099

  	
   

  	
  1.4876

  	
   

  	
  1.4652

  	
   

  	
  1.4428

  	
   

  
	
  67

  	
   

  	
  1.6931

  	
   

  	
  1.6712

  	
   

  	
  1.6489

  	
   

  	
  1.6262

  	
   

  	
  1.6032

  	
   

  	
  1.5799

  	
   

  	
  1.5564

  	
   

  	
  1.5326

  	
   

  	
  1.5088

  	
   

  	
  1.4849

  	
   

  
	
  68

  	
   

  	
  1.7510

  	
   

  	
  1.7280

  	
   

  	
  1.7045

  	
   

  	
  1.6806

  	
   

  	
  1.6562

  	
   

  	
  1.6316

  	
   

  	
  1.6066

  	
   

  	
  1.5814

  	
   

  	
  1.5560

  	
   

  	
  1.5305

  	
   

  
	
  69

  	
   

  	
  1.8139

  	
   

  	
  1.7896

  	
   

  	
  1.7649

  	
   

  	
  1.7396

  	
   

  	
  1.7139

  	
   

  	
  1.6878

  	
   

  	
  1.6613

  	
   

  	
  1.6345

  	
   

  	
  1.6075

  	
   

  	
  1.5804

  	
   

  
	
  70

  	
   

  	
  1.8824

  	
   

  	
  1.8569

  	
   

  	
  1.8307

  	
   

  	
  1.8041

  	
   

  	
  1.7769

  	
   

  	
  1.7493

  	
   

  	
  1.7212

  	
   

  	
  1.6928

  	
   

  	
  1.6641

  	
   

  	
  1.6352

  	
   

  



 


4





















 


	
  EMPLOYEE’S

  	
   

  	
  BENEFICIARY’S AGE

  	
   

  
	
  AGE

  	
   

  	
  60

  	
   

  	
  61

  	
   

  	
  62

  	
   

  	
  63

  	
   

  	
  64

  	
   

  	
  65

  	
   

  	
  66

  	
   

  	
  67

  	
   

  	
  68

  	
   

  	
  69

  	
   

  
	
  20

  	
   

  	
  1.0053

  	
   

  	
  1.0049

  	
   

  	
  1.0046

  	
   

  	
  1.0042

  	
   

  	
  1.0039

  	
   

  	
  1.0036

  	
   

  	
  1.0033

  	
   

  	
  1.0031

  	
   

  	
  1.0028

  	
   

  	
  1.0026

  	
   

  
	
  21

  	
   

  	
  1.0057

  	
   

  	
  1.0053

  	
   

  	
  1.0049

  	
   

  	
  1.0045

  	
   

  	
  1.0042

  	
   

  	
  1.0039

  	
   

  	
  1.0036

  	
   

  	
  1.0033

  	
   

  	
  1.0030

  	
   

  	
  1.0027

  	
   

  
	
  22

  	
   

  	
  1.0061

  	
   

  	
  1.0057

  	
   

  	
  1.0053

  	
   

  	
  1.0049

  	
   

  	
  1.0045

  	
   

  	
  1.0041

  	
   

  	
  1.0038

  	
   

  	
  1.0035

  	
   

  	
  1.0032

  	
   

  	
  1.0029

  	
   

  
	
  23

  	
   

  	
  1.0066

  	
   

  	
  1.0061

  	
   

  	
  1.0057

  	
   

  	
  1.0052

  	
   

  	
  1.0048

  	
   

  	
  1.0044

  	
   

  	
  1.0041

  	
   

  	
  1.0037

  	
   

  	
  1.0034

  	
   

  	
  1.0031

  	
   

  
	
  24

  	
   

  	
  1.0072

  	
   

  	
  1.0066

  	
   

  	
  1.0061

  	
   

  	
  1.0056

  	
   

  	
  1.0052

  	
   

  	
  1.0048

  	
   

  	
  1.0044

  	
   

  	
  1.0040

  	
   

  	
  1.0037

  	
   

  	
  1.0033

  	
   

  
	
  25

  	
   

  	
  1.0078

  	
   

  	
  1.0072

  	
   

  	
  1.0066

  	
   

  	
  1.0061

  	
   

  	
  1.0056

  	
   

  	
  1.0052

  	
   

  	
  1.0047

  	
   

  	
  1.0043

  	
   

  	
  1.0040

  	
   

  	
  1.0036

  	
   

  
	
  26

  	
   

  	
  1.0085

  	
   

  	
  1.0078

  	
   

  	
  1.0072

  	
   

  	
  1.0066

  	
   

  	
  1.0061

  	
   

  	
  1.0056

  	
   

  	
  1.0051

  	
   

  	
  1.0047

  	
   

  	
  1.0043

  	
   

  	
  1.0039

  	
   

  
	
  27

  	
   

  	
  1.0093

  	
   

  	
  1.0085

  	
   

  	
  1.0079

  	
   

  	
  1.0072

  	
   

  	
  1.0066

  	
   

  	
  1.0061

  	
   

  	
  1.0056

  	
   

  	
  1.0051

  	
   

  	
  1.0046

  	
   

  	
  1.0042

  	
   

  
	
  28

  	
   

  	
  1.0101

  	
   

  	
  1.0093

  	
   

  	
  1.0086

  	
   

  	
  1.0079

  	
   

  	
  1.0072

  	
   

  	
  1.0066

  	
   

  	
  1.0061

  	
   

  	
  1.0055

  	
   

  	
  1.0050

  	
   

  	
  1.0046

  	
   

  
	
  29

  	
   

  	
  1.0111

  	
   

  	
  1.0102

  	
   

  	
  1.0094

  	
   

  	
  1.0086

  	
   

  	
  1.0079

  	
   

  	
  1.0072

  	
   

  	
  1.0066

  	
   

  	
  1.0060

  	
   

  	
  1.0055

  	
   

  	
  1.0050

  	
   

  
	
  30

  	
   

  	
  1.0122

  	
   

  	
  1.0112

  	
   

  	
  1.0103

  	
   

  	
  1.0095

  	
   

  	
  1.0087

  	
   

  	
  1.0079

  	
   

  	
  1.0072

  	
   

  	
  1.0066

  	
   

  	
  1.0060

  	
   

  	
  1.0054

  	
   

  
	
  31

  	
   

  	
  1.0134

  	
   

  	
  1.0124

  	
   

  	
  1.0114

  	
   

  	
  1.0104

  	
   

  	
  1.0095

  	
   

  	
  1.0087

  	
   

  	
  1.0080

  	
   

  	
  1.0073

  	
   

  	
  1.0066

  	
   

  	
  1.0060

  	
   

  
	
  32

  	
   

  	
  1.0148

  	
   

  	
  1.0136

  	
   

  	
  1.0125

  	
   

  	
  1.0115

  	
   

  	
  1.0105

  	
   

  	
  1.0096

  	
   

  	
  1.0088

  	
   

  	
  1.0080

  	
   

  	
  1.0073

  	
   

  	
  1.0066

  	
   

  
	
  33

  	
   

  	
  1.0163

  	
   

  	
  1.0151

  	
   

  	
  1.0138

  	
   

  	
  1.0127

  	
   

  	
  1.0116

  	
   

  	
  1.0106

  	
   

  	
  1.0097

  	
   

  	
  1.0088

  	
   

  	
  1.0080

  	
   

  	
  1.0072

  	
   

  
	
  34

  	
   

  	
  1.0181

  	
   

  	
  1.0166

  	
   

  	
  1.0153

  	
   

  	
  1.0140

  	
   

  	
  1.0129

  	
   

  	
  1.0118

  	
   

  	
  1.0107

  	
   

  	
  1.0097

  	
   

  	
  1.0088

  	
   

  	
  1.0080

  	
   

  
	
  35

  	
   

  	
  1.0200

  	
   

  	
  1.0184

  	
   

  	
  1.0170

  	
   

  	
  1.0156

  	
   

  	
  1.0143

  	
   

  	
  1.0130

  	
   

  	
  1.0119

  	
   

  	
  1.0108

  	
   

  	
  1.0098

  	
   

  	
  1.0089

  	
   

  
	
  36

  	
   

  	
  1.0222

  	
   

  	
  1.0204

  	
   

  	
  1.0188

  	
   

  	
  1.0173

  	
   

  	
  1.0158

  	
   

  	
  1.0145

  	
   

  	
  1.0132

  	
   

  	
  1.0120

  	
   

  	
  1.0109

  	
   

  	
  1.0099

  	
   

  
	
  37

  	
   

  	
  1.0246

  	
   

  	
  1.0227

  	
   

  	
  1.0209

  	
   

  	
  1.0192

  	
   

  	
  1.0176

  	
   

  	
  1.0161

  	
   

  	
  1.0147

  	
   

  	
  1.0134

  	
   

  	
  1.0121

  	
   

  	
  1.0110

  	
   

  
	
  38

  	
   

  	
  1.0273

  	
   

  	
  1.0252

  	
   

  	
  1.0232

  	
   

  	
  1.0213

  	
   

  	
  1.0196

  	
   

  	
  1.0179

  	
   

  	
  1.0164

  	
   

  	
  1.0149

  	
   

  	
  1.0135

  	
   

  	
  1.0123

  	
   

  
	
  39

  	
   

  	
  1.0303

  	
   

  	
  1.0280

  	
   

  	
  1.0258

  	
   

  	
  1.0238

  	
   

  	
  1.0218

  	
   

  	
  1.0200

  	
   

  	
  1.0182

  	
   

  	
  1.0166

  	
   

  	
  1.0151

  	
   

  	
  1.0137

  	
   

  
	
  40

  	
   

  	
  1.0337

  	
   

  	
  1.0312

  	
   

  	
  1.0288

  	
   

  	
  1.0265

  	
   

  	
  1.0243

  	
   

  	
  1.0223

  	
   

  	
  1.0204

  	
   

  	
  1.0186

  	
   

  	
  1.0169

  	
   

  	
  1.0153

  	
   

  
	
  41

  	
   

  	
  1.0375

  	
   

  	
  1.0347

  	
   

  	
  1.0320

  	
   

  	
  1.0295

  	
   

  	
  1.0271

  	
   

  	
  1.0249

  	
   

  	
  1.0228

  	
   

  	
  1.0208

  	
   

  	
  1.0189

  	
   

  	
  1.0172

  	
   

  
	
  42

  	
   

  	
  1.0417

  	
   

  	
  1.0386

  	
   

  	
  1.0357

  	
   

  	
  1.0329

  	
   

  	
  1.0303

  	
   

  	
  1.0278

  	
   

  	
  1.0254

  	
   

  	
  1.0232

  	
   

  	
  1.0212

  	
   

  	
  1.0193

  	
   

  
	
  43

  	
   

  	
  1.0463

  	
   

  	
  1.0429

  	
   

  	
  1.0397

  	
   

  	
  1.0366

  	
   

  	
  1.0337

  	
   

  	
  1.0310

  	
   

  	
  1.0284

  	
   

  	
  1.0260

  	
   

  	
  1.0237

  	
   

  	
  1.0216

  	
   

  
	
  44

  	
   

  	
  1.0514

  	
   

  	
  1.0477

  	
   

  	
  1.0441

  	
   

  	
  1.0408

  	
   

  	
  1.0376

  	
   

  	
  1.0346

  	
   

  	
  1.0317

  	
   

  	
  1.0290

  	
   

  	
  1.0265

  	
   

  	
  1.0241

  	
   

  
	
  45

  	
   

  	
  1.0570

  	
   

  	
  1.0529

  	
   

  	
  1.0490

  	
   

  	
  1.0453

  	
   

  	
  1.0418

  	
   

  	
  1.0385

  	
   

  	
  1.0353

  	
   

  	
  1.0324

  	
   

  	
  1.0296

  	
   

  	
  1.0269

  	
   

  
	
  46

  	
   

  	
  1.0631

  	
   

  	
  1.0586

  	
   

  	
  1.0543

  	
   

  	
  1.0503

  	
   

  	
  1.0464

  	
   

  	
  1.0427

  	
   

  	
  1.0393

  	
   

  	
  1.0360

  	
   

  	
  1.0329

  	
   

  	
  1.0300

  	
   

  
	
  47

  	
   

  	
  1.0697

  	
   

  	
  1.0648

  	
   

  	
  1.0602

  	
   

  	
  1.0557

  	
   

  	
  1.0514

  	
   

  	
  1.0474

  	
   

  	
  1.0436

  	
   

  	
  1.0400

  	
   

  	
  1.0366

  	
   

  	
  1.0334

  	
   

  
	
  48

  	
   

  	
  1.0770

  	
   

  	
  1.0716

  	
   

  	
  1.0665

  	
   

  	
  1.0616

  	
   

  	
  1.0569

  	
   

  	
  1.0525

  	
   

  	
  1.0483

  	
   

  	
  1.0444

  	
   

  	
  1.0406

  	
   

  	
  1.0371

  	
   

  
	
  49

  	
   

  	
  1.0849

  	
   

  	
  1.0790

  	
   

  	
  1.0734

  	
   

  	
  1.0680

  	
   

  	
  1.0629

  	
   

  	
  1.0581

  	
   

  	
  1.0535

  	
   

  	
  1.0491

  	
   

  	
  1.0450

  	
   

  	
  1.0411

  	
   

  
	
  50

  	
   

  	
  1.0935

  	
   

  	
  1.0871

  	
   

  	
  1.0809

  	
   

  	
  1.0751

  	
   

  	
  1.0695

  	
   

  	
  1.0642

  	
   

  	
  1.0591

  	
   

  	
  1.0543

  	
   

  	
  1.0498

  	
   

  	
  1.0455

  	
   

  
	
  51

  	
   

  	
  1.1028

  	
   

  	
  1.0959

  	
   

  	
  1.0892

  	
   

  	
  1.0828

  	
   

  	
  1.0766

  	
   

  	
  1.0708

  	
   

  	
  1.0653

  	
   

  	
  1.0600

  	
   

  	
  1.0550

  	
   

  	
  1.0503

  	
   

  
	
  52

  	
   

  	
  1.1130

  	
   

  	
  1.1054

  	
   

  	
  1.0982

  	
   

  	
  1.0912

  	
   

  	
  1.0845

  	
   

  	
  1.0781

  	
   

  	
  1.0720

  	
   

  	
  1.0663

  	
   

  	
  1.0608

  	
   

  	
  1.0556

  	
   

  
	
  53

  	
   

  	
  1.1242

  	
   

  	
  1.1159

  	
   

  	
  1.1080

  	
   

  	
  1.1004

  	
   

  	
  1.0931

  	
   

  	
  1.0861

  	
   

  	
  1.0794

  	
   

  	
  1.0731

  	
   

  	
  1.0671

  	
   

  	
  1.0614

  	
   

  
	
  54

  	
   

  	
  1.1364

  	
   

  	
  1.1274

  	
   

  	
  1.1188

  	
   

  	
  1.1105

  	
   

  	
  1.1025

  	
   

  	
  1.0949

  	
   

  	
  1.0876

  	
   

  	
  1.0807

  	
   

  	
  1.0741

  	
   

  	
  1.0678

  	
   

  
	
  55

  	
   

  	
  1.1497

  	
   

  	
  1.1400

  	
   

  	
  1.1306

  	
   

  	
  1.1216

  	
   

  	
  1.1129

  	
   

  	
  1.1046

  	
   

  	
  1.0966

  	
   

  	
  1.0890

  	
   

  	
  1.0818

  	
   

  	
  1.0749

  	
   

  
	
  56

  	
   

  	
  1.1643

  	
   

  	
  1.1538

  	
   

  	
  1.1436

  	
   

  	
  1.1338

  	
   

  	
  1.1243

  	
   

  	
  1.1152

  	
   

  	
  1.1065

  	
   

  	
  1.0982

  	
   

  	
  1.0903

  	
   

  	
  1.0828

  	
   

  
	
  57

  	
   

  	
  1.1804

  	
   

  	
  1.1690

  	
   

  	
  1.1580

  	
   

  	
  1.1473

  	
   

  	
  1.1370

  	
   

  	
  1.1271

  	
   

  	
  1.1175

  	
   

  	
  1.1084

  	
   

  	
  1.0997

  	
   

  	
  1.0915

  	
   

  
	
  58

  	
   

  	
  1.1981

  	
   

  	
  1.1858

  	
   

  	
  1.1738

  	
   

  	
  1.1622

  	
   

  	
  1.1510

  	
   

  	
  1.1402

  	
   

  	
  1.1298

  	
   

  	
  1.1198

  	
   

  	
  1.1103

  	
   

  	
  1.1012

  	
   

  
	
  59

  	
   

  	
  1.2175

  	
   

  	
  1.2042

  	
   

  	
  1.1913

  	
   

  	
  1.1787

  	
   

  	
  1.1665

  	
   

  	
  1.1547

  	
   

  	
  1.1434

  	
   

  	
  1.1325

  	
   

  	
  1.1221

  	
   

  	
  1.1121

  	
   

  
	
  60

  	
   

  	
  1.2390

  	
   

  	
  1.2246

  	
   

  	
  1.2106

  	
   

  	
  1.1970

  	
   

  	
  1.1837

  	
   

  	
  1.1709

  	
   

  	
  1.1585

  	
   

  	
  1.1466

  	
   

  	
  1.1352

  	
   

  	
  1.1243

  	
   

  
	
  61

  	
   

  	
  1.2626

  	
   

  	
  1.2471

  	
   

  	
  1.2320

  	
   

  	
  1.2172

  	
   

  	
  1.2028

  	
   

  	
  1.1889

  	
   

  	
  1.1754

  	
   

  	
  1.1624

  	
   

  	
  1.1499

  	
   

  	
  1.1380

  	
   

  
	
  62

  	
   

  	
  1.2886

  	
   

  	
  1.2720

  	
   

  	
  1.2556

  	
   

  	
  1.2396

  	
   

  	
  1.2241

  	
   

  	
  1.2089

  	
   

  	
  1.1942

  	
   

  	
  1.1800

  	
   

  	
  1.1664

  	
   

  	
  1.1533

  	
   

  
	
  63

  	
   

  	
  1.3172

  	
   

  	
  1.2993

  	
   

  	
  1.2817

  	
   

  	
  1.2644

  	
   

  	
  1.2475

  	
   

  	
  1.2311

  	
   

  	
  1.2151

  	
   

  	
  1.1997

  	
   

  	
  1.1847

  	
   

  	
  1.1704

  	
   

  
	
  64

  	
   

  	
  1.3487

  	
   

  	
  1.3294

  	
   

  	
  1.3104

  	
   

  	
  1.2918

  	
   

  	
  1.2735

  	
   

  	
  1.2557

  	
   

  	
  1.2383

  	
   

  	
  1.2215

  	
   

  	
  1.2051

  	
   

  	
  1.1894

  	
   

  
	
  65

  	
   

  	
  1.3830

  	
   

  	
  1.3623

  	
   

  	
  1.3419

  	
   

  	
  1.3218

  	
   

  	
  1.3021

  	
   

  	
  1.2827

  	
   

  	
  1.2639

  	
   

  	
  1.2456

  	
   

  	
  1.2278

  	
   

  	
  1.2106

  	
   

  
	
  66

  	
   

  	
  1.4204

  	
   

  	
  1.3983

  	
   

  	
  1.3763

  	
   

  	
  1.3547

  	
   

  	
  1.3334

  	
   

  	
  1.3125

  	
   

  	
  1.2920

  	
   

  	
  1.2721

  	
   

  	
  1.2527

  	
   

  	
  1.2340

  	
   

  
	
  67

  	
   

  	
  1.4610

  	
   

  	
  1.4373

  	
   

  	
  1.4137

  	
   

  	
  1.3904

  	
   

  	
  1.3674

  	
   

  	
  1.3449

  	
   

  	
  1.3227

  	
   

  	
  1.3011

  	
   

  	
  1.2801

  	
   

  	
  1.2596

  	
   

  
	
  68

  	
   

  	
  1.5050

  	
   

  	
  1.4796

  	
   

  	
  1.4544

  	
   

  	
  1.4294

  	
   

  	
  1.4046

  	
   

  	
  1.3803

  	
   

  	
  1.3564

  	
   

  	
  1.3329

  	
   

  	
  1.3101

  	
   

  	
  1.2878

  	
   

  
	
  69

  	
   

  	
  1.5532

  	
   

  	
  1.5261

  	
   

  	
  1.4990

  	
   

  	
  1.4722

  	
   

  	
  1.4456

  	
   

  	
  1.4193

  	
   

  	
  1.3935

  	
   

  	
  1.3681

  	
   

  	
  1.3433

  	
   

  	
  1.3191

  	
   

  
	
  70

  	
   

  	
  1.6062

  	
   

  	
  1.5772

  	
   

  	
  1.5482

  	
   

  	
  1.5194

  	
   

  	
  1.4908

  	
   

  	
  1.4625

  	
   

  	
  1.4346

  	
   

  	
  1.4072

  	
   

  	
  1.3803

  	
   

  	
  1.3540

  	
   

  



 


5





















 


	
  EMPLOYEE’S

  	
   

  	
  BENEFICIARY’S AGE

  	
   

  
	
  AGE

  	
   

  	
  70

  	
   

  	
  71

  	
   

  	
  72

  	
   

  	
  73

  	
   

  	
  74

  	
   

  	
  75

  	
   

  	
  76

  	
   

  	
  77

  	
   

  	
  78

  	
   

  	
  79

  	
   

  
	
  20

  	
   

  	
  1.0024

  	
   

  	
  1.0022

  	
   

  	
  1.0020

  	
   

  	
  1.0018

  	
   

  	
  1.0016

  	
   

  	
  1.0015

  	
   

  	
  1.0013

  	
   

  	
  1.0012

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  
	
  21

  	
   

  	
  1.0025

  	
   

  	
  1.0023

  	
   

  	
  1.0021

  	
   

  	
  1.0019

  	
   

  	
  1.0017

  	
   

  	
  1.0016

  	
   

  	
  1.0014

  	
   

  	
  1.0013

  	
   

  	
  1.0012

  	
   

  	
  1.0011

  	
   

  
	
  22

  	
   

  	
  1.0027

  	
   

  	
  1.0024

  	
   

  	
  1.0022

  	
   

  	
  1.0020

  	
   

  	
  1.0018

  	
   

  	
  1.0017

  	
   

  	
  1.0015

  	
   

  	
  1.0014

  	
   

  	
  1.0012

  	
   

  	
  1.0011

  	
   

  
	
  23

  	
   

  	
  1.0028

  	
   

  	
  1.0026

  	
   

  	
  1.0024

  	
   

  	
  1.0021

  	
   

  	
  1.0019

  	
   

  	
  1.0018

  	
   

  	
  1.0016

  	
   

  	
  1.0014

  	
   

  	
  1.0013

  	
   

  	
  1.0012

  	
   

  
	
  24

  	
   

  	
  1.0030

  	
   

  	
  1.0028

  	
   

  	
  1.0025

  	
   

  	
  1.0023

  	
   

  	
  1.0021

  	
   

  	
  1.0019

  	
   

  	
  1.0017

  	
   

  	
  1.0015

  	
   

  	
  1.0014

  	
   

  	
  1.0013

  	
   

  
	
  25

  	
   

  	
  1.0033

  	
   

  	
  1.0030

  	
   

  	
  1.0027

  	
   

  	
  1.0024

  	
   

  	
  1.0022

  	
   

  	
  1.0020

  	
   

  	
  1.0018

  	
   

  	
  1.0016

  	
   

  	
  1.0015

  	
   

  	
  1.0013

  	
   

  
	
  26

  	
   

  	
  1.0035

  	
   

  	
  1.0032

  	
   

  	
  1.0029

  	
   

  	
  1.0026

  	
   

  	
  1.0024

  	
   

  	
  1.0022

  	
   

  	
  1.0019

  	
   

  	
  1.0018

  	
   

  	
  1.0016

  	
   

  	
  1.0014

  	
   

  
	
  27

  	
   

  	
  1.0038

  	
   

  	
  1.0035

  	
   

  	
  1.0031

  	
   

  	
  1.0028

  	
   

  	
  1.0026

  	
   

  	
  1.0023

  	
   

  	
  1.0021

  	
   

  	
  1.0019

  	
   

  	
  1.0017

  	
   

  	
  1.0015

  	
   

  
	
  28

  	
   

  	
  1.0041

  	
   

  	
  1.0038

  	
   

  	
  1.0034

  	
   

  	
  1.0031

  	
   

  	
  1.0028

  	
   

  	
  1.0025

  	
   

  	
  1.0023

  	
   

  	
  1.0020

  	
   

  	
  1.0018

  	
   

  	
  1.0016

  	
   

  
	
  29

  	
   

  	
  1.0045

  	
   

  	
  1.0041

  	
   

  	
  1.0037

  	
   

  	
  1.0033

  	
   

  	
  1.0030

  	
   

  	
  1.0027

  	
   

  	
  1.0024

  	
   

  	
  1.0022

  	
   

  	
  1.0020

  	
   

  	
  1.0018

  	
   

  
	
  30

  	
   

  	
  1.0049

  	
   

  	
  1.0045

  	
   

  	
  1.0040

  	
   

  	
  1.0036

  	
   

  	
  1.0033

  	
   

  	
  1.0029

  	
   

  	
  1.0027

  	
   

  	
  1.0024

  	
   

  	
  1.0021

  	
   

  	
  1.0019

  	
   

  
	
  31

  	
   

  	
  1.0054

  	
   

  	
  1.0049

  	
   

  	
  1.0044

  	
   

  	
  1.0040

  	
   

  	
  1.0036

  	
   

  	
  1.0032

  	
   

  	
  1.0029

  	
   

  	
  1.0026

  	
   

  	
  1.0023

  	
   

  	
  1.0021

  	
   

  
	
  32

  	
   

  	
  1.0059

  	
   

  	
  1.0054

  	
   

  	
  1.0048

  	
   

  	
  1.0044

  	
   

  	
  1.0039

  	
   

  	
  1.0035

  	
   

  	
  1.0032

  	
   

  	
  1.0028

  	
   

  	
  1.0025

  	
   

  	
  1.0023

  	
   

  
	
  33

  	
   

  	
  1.0065

  	
   

  	
  1.0059

  	
   

  	
  1.0053

  	
   

  	
  1.0048

  	
   

  	
  1.0043

  	
   

  	
  1.0039

  	
   

  	
  1.0035

  	
   

  	
  1.0031

  	
   

  	
  1.0028

  	
   

  	
  1.0025

  	
   

  
	
  34

  	
   

  	
  1.0072

  	
   

  	
  1.0065

  	
   

  	
  1.0059

  	
   

  	
  1.0053

  	
   

  	
  1.0047

  	
   

  	
  1.0043

  	
   

  	
  1.0038

  	
   

  	
  1.0034

  	
   

  	
  1.0031

  	
   

  	
  1.0027

  	
   

  
	
  35

  	
   

  	
  1.0080

  	
   

  	
  1.0072

  	
   

  	
  1.0065

  	
   

  	
  1.0059

  	
   

  	
  1.0053

  	
   

  	
  1.0047

  	
   

  	
  1.0042

  	
   

  	
  1.0038

  	
   

  	
  1.0034

  	
   

  	
  1.0030

  	
   

  
	
  36

  	
   

  	
  1.0089

  	
   

  	
  1.0080

  	
   

  	
  1.0072

  	
   

  	
  1.0065

  	
   

  	
  1.0058

  	
   

  	
  1.0052

  	
   

  	
  1.0047

  	
   

  	
  1.0042

  	
   

  	
  1.0037

  	
   

  	
  1.0033

  	
   

  
	
  37

  	
   

  	
  1.0099

  	
   

  	
  1.0090

  	
   

  	
  1.0081

  	
   

  	
  1.0072

  	
   

  	
  1.0065

  	
   

  	
  1.0058

  	
   

  	
  1.0052

  	
   

  	
  1.0047

  	
   

  	
  1.0042

  	
   

  	
  1.0037

  	
   

  
	
  38

  	
   

  	
  1.0111

  	
   

  	
  1.0100

  	
   

  	
  1.0090

  	
   

  	
  1.0081

  	
   

  	
  1.0073

  	
   

  	
  1.0065

  	
   

  	
  1.0058

  	
   

  	
  1.0052

  	
   

  	
  1.0047

  	
   

  	
  1.0041

  	
   

  
	
  39

  	
   

  	
  1.0124

  	
   

  	
  1.0112

  	
   

  	
  1.0101

  	
   

  	
  1.0091

  	
   

  	
  1.0081

  	
   

  	
  1.0073

  	
   

  	
  1.0065

  	
   

  	
  1.0058

  	
   

  	
  1.0052

  	
   

  	
  1.0046

  	
   

  
	
  40

  	
   

  	
  1.0139

  	
   

  	
  1.0125

  	
   

  	
  1.0113

  	
   

  	
  1.0102

  	
   

  	
  1.0091

  	
   

  	
  1.0082

  	
   

  	
  1.0073

  	
   

  	
  1.0066

  	
   

  	
  1.0059

  	
   

  	
  1.0052

  	
   

  
	
  41

  	
   

  	
  1.0156

  	
   

  	
  1.0141

  	
   

  	
  1.0127

  	
   

  	
  1.0114

  	
   

  	
  1.0103

  	
   

  	
  1.0092

  	
   

  	
  1.0083

  	
   

  	
  1.0074

  	
   

  	
  1.0066

  	
   

  	
  1.0059

  	
   

  
	
  42

  	
   

  	
  1.0175

  	
   

  	
  1.0158

  	
   

  	
  1.0143

  	
   

  	
  1.0128

  	
   

  	
  1.0116

  	
   

  	
  1.0104

  	
   

  	
  1.0093

  	
   

  	
  1.0084

  	
   

  	
  1.0075

  	
   

  	
  1.0067

  	
   

  
	
  43

  	
   

  	
  1.0196

  	
   

  	
  1.0177

  	
   

  	
  1.0160

  	
   

  	
  1.0144

  	
   

  	
  1.0130

  	
   

  	
  1.0117

  	
   

  	
  1.0105

  	
   

  	
  1.0094

  	
   

  	
  1.0085

  	
   

  	
  1.0076

  	
   

  
	
  44

  	
   

  	
  1.0219

  	
   

  	
  1.0199

  	
   

  	
  1.0180

  	
   

  	
  1.0162

  	
   

  	
  1.0146

  	
   

  	
  1.0132

  	
   

  	
  1.0118

  	
   

  	
  1.0106

  	
   

  	
  1.0095

  	
   

  	
  1.0085

  	
   

  
	
  45

  	
   

  	
  1.0245

  	
   

  	
  1.0222

  	
   

  	
  1.0201

  	
   

  	
  1.0182

  	
   

  	
  1.0164

  	
   

  	
  1.0148

  	
   

  	
  1.0133

  	
   

  	
  1.0120

  	
   

  	
  1.0107

  	
   

  	
  1.0096

  	
   

  
	
  46

  	
   

  	
  1.0273

  	
   

  	
  1.0248

  	
   

  	
  1.0225

  	
   

  	
  1.0203

  	
   

  	
  1.0184

  	
   

  	
  1.0166

  	
   

  	
  1.0149

  	
   

  	
  1.0134

  	
   

  	
  1.0121

  	
   

  	
  1.0108

  	
   

  
	
  47

  	
   

  	
  1.0304

  	
   

  	
  1.0276

  	
   

  	
  1.0250

  	
   

  	
  1.0227

  	
   

  	
  1.0205

  	
   

  	
  1.0185

  	
   

  	
  1.0167

  	
   

  	
  1.0150

  	
   

  	
  1.0135

  	
   

  	
  1.0121

  	
   

  
	
  48

  	
   

  	
  1.0338

  	
   

  	
  1.0307

  	
   

  	
  1.0279

  	
   

  	
  1.0252

  	
   

  	
  1.0228

  	
   

  	
  1.0206

  	
   

  	
  1.0186

  	
   

  	
  1.0168

  	
   

  	
  1.0151

  	
   

  	
  1.0136

  	
   

  
	
  49

  	
   

  	
  1.0375

  	
   

  	
  1.0341

  	
   

  	
  1.0309

  	
   

  	
  1.0280

  	
   

  	
  1.0254

  	
   

  	
  1.0229

  	
   

  	
  1.0207

  	
   

  	
  1.0187

  	
   

  	
  1.0168

  	
   

  	
  1.0151

  	
   

  
	
  50

  	
   

  	
  1.0415

  	
   

  	
  1.0378

  	
   

  	
  1.0343

  	
   

  	
  1.0311

  	
   

  	
  1.0282

  	
   

  	
  1.0255

  	
   

  	
  1.0230

  	
   

  	
  1.0207

  	
   

  	
  1.0187

  	
   

  	
  1.0168

  	
   

  
	
  51

  	
   

  	
  1.0459

  	
   

  	
  1.0418

  	
   

  	
  1.0380

  	
   

  	
  1.0345

  	
   

  	
  1.0312

  	
   

  	
  1.0282

  	
   

  	
  1.0255

  	
   

  	
  1.0230

  	
   

  	
  1.0207

  	
   

  	
  1.0187

  	
   

  
	
  52

  	
   

  	
  1.0508

  	
   

  	
  1.0462

  	
   

  	
  1.0420

  	
   

  	
  1.0381

  	
   

  	
  1.0346

  	
   

  	
  1.0313

  	
   

  	
  1.0283

  	
   

  	
  1.0255

  	
   

  	
  1.0230

  	
   

  	
  1.0207

  	
   

  
	
  53

  	
   

  	
  1.0561

  	
   

  	
  1.0511

  	
   

  	
  1.0465

  	
   

  	
  1.0422

  	
   

  	
  1.0382

  	
   

  	
  1.0346

  	
   

  	
  1.0313

  	
   

  	
  1.0282

  	
   

  	
  1.0254

  	
   

  	
  1.0229

  	
   

  
	
  54

  	
   

  	
  1.0620

  	
   

  	
  1.0565

  	
   

  	
  1.0514

  	
   

  	
  1.0466

  	
   

  	
  1.0423

  	
   

  	
  1.0383

  	
   

  	
  1.0346

  	
   

  	
  1.0312

  	
   

  	
  1.0282

  	
   

  	
  1.0254

  	
   

  
	
  55

  	
   

  	
  1.0685

  	
   

  	
  1.0624

  	
   

  	
  1.0568

  	
   

  	
  1.0516

  	
   

  	
  1.0468

  	
   

  	
  1.0424

  	
   

  	
  1.0383

  	
   

  	
  1.0346

  	
   

  	
  1.0312

  	
   

  	
  1.0281

  	
   

  
	
  56

  	
   

  	
  1.0757

  	
   

  	
  1.0690

  	
   

  	
  1.0628

  	
   

  	
  1.0571

  	
   

  	
  1.0518

  	
   

  	
  1.0469

  	
   

  	
  1.0424

  	
   

  	
  1.0383

  	
   

  	
  1.0345

  	
   

  	
  1.0311

  	
   

  
	
  57

  	
   

  	
  1.0837

  	
   

  	
  1.0763

  	
   

  	
  1.0695

  	
   

  	
  1.0632

  	
   

  	
  1.0574

  	
   

  	
  1.0520

  	
   

  	
  1.0470

  	
   

  	
  1.0425

  	
   

  	
  1.0383

  	
   

  	
  1.0345

  	
   

  
	
  58

  	
   

  	
  1.0926

  	
   

  	
  1.0846

  	
   

  	
  1.0771

  	
   

  	
  1.0701

  	
   

  	
  1.0636

  	
   

  	
  1.0577

  	
   

  	
  1.0522

  	
   

  	
  1.0471

  	
   

  	
  1.0425

  	
   

  	
  1.0383

  	
   

  
	
  59

  	
   

  	
  1.1027

  	
   

  	
  1.0938

  	
   

  	
  1.0855

  	
   

  	
  1.0778

  	
   

  	
  1.0707

  	
   

  	
  1.0641

  	
   

  	
  1.0580

  	
   

  	
  1.0524

  	
   

  	
  1.0473

  	
   

  	
  1.0426

  	
   

  
	
  60

  	
   

  	
  1.1139

  	
   

  	
  1.1042

  	
   

  	
  1.0950

  	
   

  	
  1.0865

  	
   

  	
  1.0786

  	
   

  	
  1.0714

  	
   

  	
  1.0646

  	
   

  	
  1.0584

  	
   

  	
  1.0528

  	
   

  	
  1.0476

  	
   

  
	
  61

  	
   

  	
  1.1266

  	
   

  	
  1.1158

  	
   

  	
  1.1058

  	
   

  	
  1.0964

  	
   

  	
  1.0877

  	
   

  	
  1.0796

  	
   

  	
  1.0721

  	
   

  	
  1.0653

  	
   

  	
  1.0589

  	
   

  	
  1.0532

  	
   

  
	
  62

  	
   

  	
  1.1408

  	
   

  	
  1.1289

  	
   

  	
  1.1178

  	
   

  	
  1.1075

  	
   

  	
  1.0978

  	
   

  	
  1.0889

  	
   

  	
  1.0806

  	
   

  	
  1.0730

  	
   

  	
  1.0660

  	
   

  	
  1.0596

  	
   

  
	
  63

  	
   

  	
  1.1567

  	
   

  	
  1.1436

  	
   

  	
  1.1314

  	
   

  	
  1.1200

  	
   

  	
  1.1093

  	
   

  	
  1.0994

  	
   

  	
  1.0903

  	
   

  	
  1.0818

  	
   

  	
  1.0740

  	
   

  	
  1.0668

  	
   

  
	
  64

  	
   

  	
  1.1744

  	
   

  	
  1.1601

  	
   

  	
  1.1466

  	
   

  	
  1.1340

  	
   

  	
  1.1223

  	
   

  	
  1.1113

  	
   

  	
  1.1011

  	
   

  	
  1.0917

  	
   

  	
  1.0831

  	
   

  	
  1.0751

  	
   

  
	
  65

  	
   

  	
  1.1941

  	
   

  	
  1.1784

  	
   

  	
  1.1636

  	
   

  	
  1.1497

  	
   

  	
  1.1367

  	
   

  	
  1.1246

  	
   

  	
  1.1134

  	
   

  	
  1.1029

  	
   

  	
  1.0933

  	
   

  	
  1.0844

  	
   

  
	
  66

  	
   

  	
  1.2160

  	
   

  	
  1.1987

  	
   

  	
  1.1825

  	
   

  	
  1.1672

  	
   

  	
  1.1529

  	
   

  	
  1.1395

  	
   

  	
  1.1270

  	
   

  	
  1.1154

  	
   

  	
  1.1047

  	
   

  	
  1.0949

  	
   

  
	
  67

  	
   

  	
  1.2399

  	
   

  	
  1.2211

  	
   

  	
  1.2032

  	
   

  	
  1.1864

  	
   

  	
  1.1707

  	
   

  	
  1.1559

  	
   

  	
  1.1421

  	
   

  	
  1.1293

  	
   

  	
  1.1174

  	
   

  	
  1.1065

  	
   

  
	
  68

  	
   

  	
  1.2663

  	
   

  	
  1.2457

  	
   

  	
  1.2262

  	
   

  	
  1.2077

  	
   

  	
  1.1904

  	
   

  	
  1.1741

  	
   

  	
  1.1589

  	
   

  	
  1.1448

  	
   

  	
  1.1316

  	
   

  	
  1.1194

  	
   

  
	
  69

  	
   

  	
  1.2957

  	
   

  	
  1.2732

  	
   

  	
  1.2518

  	
   

  	
  1.2316

  	
   

  	
  1.2125

  	
   

  	
  1.1946

  	
   

  	
  1.1778

  	
   

  	
  1.1621

  	
   

  	
  1.1476

  	
   

  	
  1.1341

  	
   

  
	
  70

  	
   

  	
  1.3285

  	
   

  	
  1.3039

  	
   

  	
  1.2805

  	
   

  	
  1.2583

  	
   

  	
  1.2374

  	
   

  	
  1.2177

  	
   

  	
  1.1992

  	
   

  	
  1.1819

  	
   

  	
  1.1657

  	
   

  	
  1.1507

  	
   

  



 


6





















 


	
  EMPLOYEE’S

  	
   

  	
  BENEFICIARY’S AGE

  	
   

  
	
  AGE

  	
   

  	
  80

  	
   

  	
  81

  	
   

  	
  82

  	
   

  	
  83

  	
   

  	
  84

  	
   

  	
  85

  	
   

  	
  86

  	
   

  	
  87

  	
   

  	
  88

  	
   

  	
  89

  	
   

  
	
  20

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  	
  1.0005

  	
   

  	
  1.0004

  	
   

  	
  1.0004

  	
   

  	
  1.0003

  	
   

  
	
  21

  	
   

  	
  1.0009

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  	
  1.0004

  	
   

  	
  1.0004

  	
   

  	
  1.0004

  	
   

  
	
  22

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  	
  1.0005

  	
   

  	
  1.0004

  	
   

  	
  1.0004

  	
   

  
	
  23

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  	
  1.0004

  	
   

  	
  1.0004

  	
   

  
	
  24

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  	
  1.0005

  	
   

  	
  1.0004

  	
   

  
	
  25

  	
   

  	
  1.0012

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  	
  1.0004

  	
   

  
	
  26

  	
   

  	
  1.0013

  	
   

  	
  1.0012

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  	
  1.0005

  	
   

  
	
  27

  	
   

  	
  1.0014

  	
   

  	
  1.0012

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  
	
  28

  	
   

  	
  1.0015

  	
   

  	
  1.0013

  	
   

  	
  1.0012

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  
	
  29

  	
   

  	
  1.0016

  	
   

  	
  1.0014

  	
   

  	
  1.0013

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0006

  	
   

  
	
  30

  	
   

  	
  1.0017

  	
   

  	
  1.0015

  	
   

  	
  1.0014

  	
   

  	
  1.0012

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  
	
  31

  	
   

  	
  1.0019

  	
   

  	
  1.0017

  	
   

  	
  1.0015

  	
   

  	
  1.0013

  	
   

  	
  1.0012

  	
   

  	
  1.0011

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0007

  	
   

  
	
  32

  	
   

  	
  1.0020

  	
   

  	
  1.0018

  	
   

  	
  1.0016

  	
   

  	
  1.0015

  	
   

  	
  1.0013

  	
   

  	
  1.0012

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  
	
  33

  	
   

  	
  1.0022

  	
   

  	
  1.0020

  	
   

  	
  1.0018

  	
   

  	
  1.0016

  	
   

  	
  1.0014

  	
   

  	
  1.0013

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  
	
  34

  	
   

  	
  1.0024

  	
   

  	
  1.0022

  	
   

  	
  1.0019

  	
   

  	
  1.0017

  	
   

  	
  1.0015

  	
   

  	
  1.0014

  	
   

  	
  1.0012

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0008

  	
   

  
	
  35

  	
   

  	
  1.0027

  	
   

  	
  1.0024

  	
   

  	
  1.0021

  	
   

  	
  1.0019

  	
   

  	
  1.0017

  	
   

  	
  1.0015

  	
   

  	
  1.0013

  	
   

  	
  1.0012

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  
	
  36

  	
   

  	
  1.0030

  	
   

  	
  1.0027

  	
   

  	
  1.0024

  	
   

  	
  1.0021

  	
   

  	
  1.0019

  	
   

  	
  1.0017

  	
   

  	
  1.0015

  	
   

  	
  1.0013

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  
	
  37

  	
   

  	
  1.0033

  	
   

  	
  1.0029

  	
   

  	
  1.0026

  	
   

  	
  1.0023

  	
   

  	
  1.0021

  	
   

  	
  1.0018

  	
   

  	
  1.0016

  	
   

  	
  1.0014

  	
   

  	
  1.0013

  	
   

  	
  1.0011

  	
   

  
	
  38

  	
   

  	
  1.0037

  	
   

  	
  1.0033

  	
   

  	
  1.0029

  	
   

  	
  1.0026

  	
   

  	
  1.0023

  	
   

  	
  1.0020

  	
   

  	
  1.0018

  	
   

  	
  1.0016

  	
   

  	
  1.0014

  	
   

  	
  1.0012

  	
   

  
	
  39

  	
   

  	
  1.0041

  	
   

  	
  1.0037

  	
   

  	
  1.0033

  	
   

  	
  1.0029

  	
   

  	
  1.0026

  	
   

  	
  1.0023

  	
   

  	
  1.0020

  	
   

  	
  1.0018

  	
   

  	
  1.0016

  	
   

  	
  1.0014

  	
   

  
	
  40

  	
   

  	
  1.0047

  	
   

  	
  1.0041

  	
   

  	
  1.0037

  	
   

  	
  1.0033

  	
   

  	
  1.0029

  	
   

  	
  1.0026

  	
   

  	
  1.0023

  	
   

  	
  1.0020

  	
   

  	
  1.0018

  	
   

  	
  1.0015

  	
   

  
	
  41

  	
   

  	
  1.0053

  	
   

  	
  1.0047

  	
   

  	
  1.0042

  	
   

  	
  1.0037

  	
   

  	
  1.0033

  	
   

  	
  1.0029

  	
   

  	
  1.0026

  	
   

  	
  1.0023

  	
   

  	
  1.0020

  	
   

  	
  1.0017

  	
   

  
	
  42

  	
   

  	
  1.0060

  	
   

  	
  1.0053

  	
   

  	
  1.0047

  	
   

  	
  1.0042

  	
   

  	
  1.0037

  	
   

  	
  1.0033

  	
   

  	
  1.0029

  	
   

  	
  1.0026

  	
   

  	
  1.0023

  	
   

  	
  1.0020

  	
   

  
	
  43

  	
   

  	
  1.0068

  	
   

  	
  1.0060

  	
   

  	
  1.0054

  	
   

  	
  1.0048

  	
   

  	
  1.0042

  	
   

  	
  1.0038

  	
   

  	
  1.0033

  	
   

  	
  1.0029

  	
   

  	
  1.0026

  	
   

  	
  1.0023

  	
   

  
	
  44

  	
   

  	
  1.0076

  	
   

  	
  1.0068

  	
   

  	
  1.0061

  	
   

  	
  1.0054

  	
   

  	
  1.0048

  	
   

  	
  1.0043

  	
   

  	
  1.0038

  	
   

  	
  1.0033

  	
   

  	
  1.0029

  	
   

  	
  1.0026

  	
   

  
	
  45

  	
   

  	
  1.0086

  	
   

  	
  1.0077

  	
   

  	
  1.0069

  	
   

  	
  1.0061

  	
   

  	
  1.0054

  	
   

  	
  1.0048

  	
   

  	
  1.0043

  	
   

  	
  1.0038

  	
   

  	
  1.0033

  	
   

  	
  1.0029

  	
   

  
	
  46

  	
   

  	
  1.0097

  	
   

  	
  1.0087

  	
   

  	
  1.0077

  	
   

  	
  1.0069

  	
   

  	
  1.0062

  	
   

  	
  1.0055

  	
   

  	
  1.0049

  	
   

  	
  1.0043

  	
   

  	
  1.0038

  	
   

  	
  1.0033

  	
   

  
	
  47

  	
   

  	
  1.0109

  	
   

  	
  1.0097

  	
   

  	
  1.0087

  	
   

  	
  1.0078

  	
   

  	
  1.0069

  	
   

  	
  1.0062

  	
   

  	
  1.0055

  	
   

  	
  1.0048

  	
   

  	
  1.0043

  	
   

  	
  1.0038

  	
   

  
	
  48

  	
   

  	
  1.0122

  	
   

  	
  1.0109

  	
   

  	
  1.0098

  	
   

  	
  1.0087

  	
   

  	
  1.0078

  	
   

  	
  1.0069

  	
   

  	
  1.0061

  	
   

  	
  1.0054

  	
   

  	
  1.0048

  	
   

  	
  1.0043

  	
   

  
	
  49

  	
   

  	
  1.0136

  	
   

  	
  1.0122

  	
   

  	
  1.0109

  	
   

  	
  1.0097

  	
   

  	
  1.0087

  	
   

  	
  1.0077

  	
   

  	
  1.0069

  	
   

  	
  1.0061

  	
   

  	
  1.0054

  	
   

  	
  1.0048

  	
   

  
	
  50

  	
   

  	
  1.0151

  	
   

  	
  1.0135

  	
   

  	
  1.0121

  	
   

  	
  1.0109

  	
   

  	
  1.0097

  	
   

  	
  1.0086

  	
   

  	
  1.0077

  	
   

  	
  1.0068

  	
   

  	
  1.0060

  	
   

  	
  1.0053

  	
   

  
	
  51

  	
   

  	
  1.0168

  	
   

  	
  1.0151

  	
   

  	
  1.0135

  	
   

  	
  1.0121

  	
   

  	
  1.0108

  	
   

  	
  1.0096

  	
   

  	
  1.0086

  	
   

  	
  1.0076

  	
   

  	
  1.0067

  	
   

  	
  1.0060

  	
   

  
	
  52

  	
   

  	
  1.0186

  	
   

  	
  1.0167

  	
   

  	
  1.0150

  	
   

  	
  1.0134

  	
   

  	
  1.0120

  	
   

  	
  1.0107

  	
   

  	
  1.0095

  	
   

  	
  1.0085

  	
   

  	
  1.0075

  	
   

  	
  1.0066

  	
   

  
	
  53

  	
   

  	
  1.0206

  	
   

  	
  1.0185

  	
   

  	
  1.0166

  	
   

  	
  1.0149

  	
   

  	
  1.0133

  	
   

  	
  1.0119

  	
   

  	
  1.0106

  	
   

  	
  1.0094

  	
   

  	
  1.0083

  	
   

  	
  1.0074

  	
   

  
	
  54

  	
   

  	
  1.0228

  	
   

  	
  1.0205

  	
   

  	
  1.0184

  	
   

  	
  1.0165

  	
   

  	
  1.0147

  	
   

  	
  1.0131

  	
   

  	
  1.0117

  	
   

  	
  1.0104

  	
   

  	
  1.0092

  	
   

  	
  1.0082

  	
   

  
	
  55

  	
   

  	
  1.0253

  	
   

  	
  1.0227

  	
   

  	
  1.0204

  	
   

  	
  1.0182

  	
   

  	
  1.0163

  	
   

  	
  1.0146

  	
   

  	
  1.0130

  	
   

  	
  1.0115

  	
   

  	
  1.0102

  	
   

  	
  1.0090

  	
   

  
	
  56

  	
   

  	
  1.0280

  	
   

  	
  1.0251

  	
   

  	
  1.0226

  	
   

  	
  1.0202

  	
   

  	
  1.0181

  	
   

  	
  1.0161

  	
   

  	
  1.0144

  	
   

  	
  1.0128

  	
   

  	
  1.0113

  	
   

  	
  1.0100

  	
   

  
	
  57

  	
   

  	
  1.0310

  	
   

  	
  1.0279

  	
   

  	
  1.0250

  	
   

  	
  1.0224

  	
   

  	
  1.0200

  	
   

  	
  1.0179

  	
   

  	
  1.0159

  	
   

  	
  1.0142

  	
   

  	
  1.0126

  	
   

  	
  1.0111

  	
   

  
	
  58

  	
   

  	
  1.0345

  	
   

  	
  1.0310

  	
   

  	
  1.0278

  	
   

  	
  1.0249

  	
   

  	
  1.0223

  	
   

  	
  1.0199

  	
   

  	
  1.0177

  	
   

  	
  1.0157

  	
   

  	
  1.0139

  	
   

  	
  1.0123

  	
   

  
	
  59

  	
   

  	
  1.0384

  	
   

  	
  1.0345

  	
   

  	
  1.0309

  	
   

  	
  1.0277

  	
   

  	
  1.0248

  	
   

  	
  1.0221

  	
   

  	
  1.0197

  	
   

  	
  1.0175

  	
   

  	
  1.0155

  	
   

  	
  1.0137

  	
   

  
	
  60

  	
   

  	
  1.0428

  	
   

  	
  1.0385

  	
   

  	
  1.0345

  	
   

  	
  1.0310

  	
   

  	
  1.0277

  	
   

  	
  1.0247

  	
   

  	
  1.0220

  	
   

  	
  1.0196

  	
   

  	
  1.0173

  	
   

  	
  1.0153

  	
   

  
	
  61

  	
   

  	
  1.0479

  	
   

  	
  1.0431

  	
   

  	
  1.0387

  	
   

  	
  1.0347

  	
   

  	
  1.0310

  	
   

  	
  1.0277

  	
   

  	
  1.0247

  	
   

  	
  1.0219

  	
   

  	
  1.0194

  	
   

  	
  1.0172

  	
   

  
	
  62

  	
   

  	
  1.0537

  	
   

  	
  1.0483

  	
   

  	
  1.0434

  	
   

  	
  1.0389

  	
   

  	
  1.0348

  	
   

  	
  1.0311

  	
   

  	
  1.0277

  	
   

  	
  1.0246

  	
   

  	
  1.0219

  	
   

  	
  1.0193

  	
   

  
	
  63

  	
   

  	
  1.0603

  	
   

  	
  1.0543

  	
   

  	
  1.0488

  	
   

  	
  1.0438

  	
   

  	
  1.0392

  	
   

  	
  1.0350

  	
   

  	
  1.0312

  	
   

  	
  1.0278

  	
   

  	
  1.0247

  	
   

  	
  1.0218

  	
   

  
	
  64

  	
   

  	
  1.0678

  	
   

  	
  1.0611

  	
   

  	
  1.0549

  	
   

  	
  1.0493

  	
   

  	
  1.0442

  	
   

  	
  1.0395

  	
   

  	
  1.0353

  	
   

  	
  1.0314

  	
   

  	
  1.0279

  	
   

  	
  1.0247

  	
   

  
	
  65

  	
   

  	
  1.0763

  	
   

  	
  1.0688

  	
   

  	
  1.0619

  	
   

  	
  1.0556

  	
   

  	
  1.0499

  	
   

  	
  1.0447

  	
   

  	
  1.0399

  	
   

  	
  1.0355

  	
   

  	
  1.0316

  	
   

  	
  1.0280

  	
   

  
	
  66

  	
   

  	
  1.0858

  	
   

  	
  1.0774

  	
   

  	
  1.0698

  	
   

  	
  1.0628

  	
   

  	
  1.0563

  	
   

  	
  1.0504

  	
   

  	
  1.0451

  	
   

  	
  1.0402

  	
   

  	
  1.0357

  	
   

  	
  1.0317

  	
   

  
	
  67

  	
   

  	
  1.0964

  	
   

  	
  1.0871

  	
   

  	
  1.0785

  	
   

  	
  1.0707

  	
   

  	
  1.0635

  	
   

  	
  1.0569

  	
   

  	
  1.0509

  	
   

  	
  1.0454

  	
   

  	
  1.0404

  	
   

  	
  1.0358

  	
   

  
	
  68

  	
   

  	
  1.1082

  	
   

  	
  1.0978

  	
   

  	
  1.0883

  	
   

  	
  1.0796

  	
   

  	
  1.0715

  	
   

  	
  1.0641

  	
   

  	
  1.0574

  	
   

  	
  1.0512

  	
   

  	
  1.0456

  	
   

  	
  1.0405

  	
   

  
	
  69

  	
   

  	
  1.1216

  	
   

  	
  1.1101

  	
   

  	
  1.0994

  	
   

  	
  1.0897

  	
   

  	
  1.0807

  	
   

  	
  1.0724

  	
   

  	
  1.0648

  	
   

  	
  1.0579

  	
   

  	
  1.0516

  	
   

  	
  1.0458

  	
   

  
	
  70

  	
   

  	
  1.1369

  	
   

  	
  1.1240

  	
   

  	
  1.1122

  	
   

  	
  1.1013

  	
   

  	
  1.0912

  	
   

  	
  1.0819

  	
   

  	
  1.0734

  	
   

  	
  1.0657

  	
   

  	
  1.0585

  	
   

  	
  1.0521

  	
   

  



 


7





















 


Table A


Factors to Convert a 50% Joint and Survivor to a Life Annuity


 


Supplemental Retirement Plan
for Top Management


 


Equivalent Benefit Payable
Under Single Life Annuity Option for Each $1.00 of Life Annuity Otherwise
Payable


 


	
  EMPLOYEE’S

  	
   

  	
  BENEFICIARY’S AGE

  	
   

  
	
  AGE

  	
   

  	
  20

  	
   

  	
  21

  	
   

  	
  22

  	
   

  	
  23

  	
   

  	
  24

  	
   

  	
  25

  	
   

  	
  26

  	
   

  	
  27

  	
   

  	
  28

  	
   

  	
  29

  	
   

  
	
  20

  	
   

  	
  1.0243

  	
   

  	
  1.0234

  	
   

  	
  1.0226

  	
   

  	
  1.0217

  	
   

  	
  1.0208

  	
   

  	
  1.0200

  	
   

  	
  1.0192

  	
   

  	
  1.0184

  	
   

  	
  1.0176

  	
   

  	
  1.0168

  	
   

  
	
  21

  	
   

  	
  1.0262

  	
   

  	
  1.0253

  	
   

  	
  1.0244

  	
   

  	
  1.0234

  	
   

  	
  1.0225

  	
   

  	
  1.0216

  	
   

  	
  1.0208

  	
   

  	
  1.0199

  	
   

  	
  1.0190

  	
   

  	
  1.0182

  	
   

  
	
  22

  	
   

  	
  1.0283

  	
   

  	
  1.0273

  	
   

  	
  1.0263

  	
   

  	
  1.0253

  	
   

  	
  1.0244

  	
   

  	
  1.0234

  	
   

  	
  1.0225

  	
   

  	
  1.0216

  	
   

  	
  1.0206

  	
   

  	
  1.0198

  	
   

  
	
  23

  	
   

  	
  1.0305

  	
   

  	
  1.0294

  	
   

  	
  1.0284

  	
   

  	
  1.0274

  	
   

  	
  1.0264

  	
   

  	
  1.0253

  	
   

  	
  1.0243

  	
   

  	
  1.0234

  	
   

  	
  1.0224

  	
   

  	
  1.0214

  	
   

  
	
  24

  	
   

  	
  1.0328

  	
   

  	
  1.0317

  	
   

  	
  1.0306

  	
   

  	
  1.0296

  	
   

  	
  1.0285

  	
   

  	
  1.0274

  	
   

  	
  1.0264

  	
   

  	
  1.0253

  	
   

  	
  1.0243

  	
   

  	
  1.0233

  	
   

  
	
  25

  	
   

  	
  1.0353

  	
   

  	
  1.0342

  	
   

  	
  1.0331

  	
   

  	
  1.0319

  	
   

  	
  1.0308

  	
   

  	
  1.0297

  	
   

  	
  1.0285

  	
   

  	
  1.0274

  	
   

  	
  1.0263

  	
   

  	
  1.0252

  	
   

  
	
  26

  	
   

  	
  1.0380

  	
   

  	
  1.0369

  	
   

  	
  1.0357

  	
   

  	
  1.0345

  	
   

  	
  1.0333

  	
   

  	
  1.0321

  	
   

  	
  1.0309

  	
   

  	
  1.0297

  	
   

  	
  1.0285

  	
   

  	
  1.0274

  	
   

  
	
  27

  	
   

  	
  1.0409

  	
   

  	
  1.0397

  	
   

  	
  1.0384

  	
   

  	
  1.0372

  	
   

  	
  1.0359

  	
   

  	
  1.0347

  	
   

  	
  1.0334

  	
   

  	
  1.0322

  	
   

  	
  1.0309

  	
   

  	
  1.0297

  	
   

  
	
  28

  	
   

  	
  1.0440

  	
   

  	
  1.0427

  	
   

  	
  1.0414

  	
   

  	
  1.0401

  	
   

  	
  1.0388

  	
   

  	
  1.0375

  	
   

  	
  1.0362

  	
   

  	
  1.0348

  	
   

  	
  1.0335

  	
   

  	
  1.0322

  	
   

  
	
  29

  	
   

  	
  1.0473

  	
   

  	
  1.0460

  	
   

  	
  1.0446

  	
   

  	
  1.0432

  	
   

  	
  1.0419

  	
   

  	
  1.0405

  	
   

  	
  1.0391

  	
   

  	
  1.0377

  	
   

  	
  1.0363

  	
   

  	
  1.0349

  	
   

  
	
  30

  	
   

  	
  1.0508

  	
   

  	
  1.0494

  	
   

  	
  1.0480

  	
   

  	
  1.0466

  	
   

  	
  1.0451

  	
   

  	
  1.0437

  	
   

  	
  1.0422

  	
   

  	
  1.0408

  	
   

  	
  1.0393

  	
   

  	
  1.0379

  	
   

  
	
  31

  	
   

  	
  1.0546

  	
   

  	
  1.0531

  	
   

  	
  1.0517

  	
   

  	
  1.0502

  	
   

  	
  1.0487

  	
   

  	
  1.0471

  	
   

  	
  1.0456

  	
   

  	
  1.0441

  	
   

  	
  1.0426

  	
   

  	
  1.0410

  	
   

  
	
  32

  	
   

  	
  1.0586

  	
   

  	
  1.0571

  	
   

  	
  1.0555

  	
   

  	
  1.0540

  	
   

  	
  1.0524

  	
   

  	
  1.0508

  	
   

  	
  1.0493

  	
   

  	
  1.0476

  	
   

  	
  1.0460

  	
   

  	
  1.0444

  	
   

  
	
  33

  	
   

  	
  1.0628

  	
   

  	
  1.0613

  	
   

  	
  1.0597

  	
   

  	
  1.0581

  	
   

  	
  1.0565

  	
   

  	
  1.0548

  	
   

  	
  1.0531

  	
   

  	
  1.0515

  	
   

  	
  1.0498

  	
   

  	
  1.0481

  	
   

  
	
  34

  	
   

  	
  1.0674

  	
   

  	
  1.0658

  	
   

  	
  1.0641

  	
   

  	
  1.0625

  	
   

  	
  1.0608

  	
   

  	
  1.0590

  	
   

  	
  1.0573

  	
   

  	
  1.0556

  	
   

  	
  1.0538

  	
   

  	
  1.0520

  	
   

  
	
  35

  	
   

  	
  1.0722

  	
   

  	
  1.0705

  	
   

  	
  1.0689

  	
   

  	
  1.0671

  	
   

  	
  1.0654

  	
   

  	
  1.0636

  	
   

  	
  1.0618

  	
   

  	
  1.0599

  	
   

  	
  1.0581

  	
   

  	
  1.0562

  	
   

  
	
  36

  	
   

  	
  1.0773

  	
   

  	
  1.0756

  	
   

  	
  1.0739

  	
   

  	
  1.0721

  	
   

  	
  1.0703

  	
   

  	
  1.0684

  	
   

  	
  1.0665

  	
   

  	
  1.0646

  	
   

  	
  1.0627

  	
   

  	
  1.0608

  	
   

  
	
  37

  	
   

  	
  1.0828

  	
   

  	
  1.0811

  	
   

  	
  1.0793

  	
   

  	
  1.0774

  	
   

  	
  1.0755

  	
   

  	
  1.0736

  	
   

  	
  1.0716

  	
   

  	
  1.0697

  	
   

  	
  1.0677

  	
   

  	
  1.0656

  	
   

  
	
  38

  	
   

  	
  1.0886

  	
   

  	
  1.0868

  	
   

  	
  1.0850

  	
   

  	
  1.0831

  	
   

  	
  1.0811

  	
   

  	
  1.0791

  	
   

  	
  1.0771

  	
   

  	
  1.0750

  	
   

  	
  1.0730

  	
   

  	
  1.0708

  	
   

  
	
  39

  	
   

  	
  1.0949

  	
   

  	
  1.0930

  	
   

  	
  1.0911

  	
   

  	
  1.0891

  	
   

  	
  1.0871

  	
   

  	
  1.0850

  	
   

  	
  1.0829

  	
   

  	
  1.0808

  	
   

  	
  1.0786

  	
   

  	
  1.0764

  	
   

  
	
  40

  	
   

  	
  1.1015

  	
   

  	
  1.0995

  	
   

  	
  1.0976

  	
   

  	
  1.0955

  	
   

  	
  1.0935

  	
   

  	
  1.0913

  	
   

  	
  1.0892

  	
   

  	
  1.0870

  	
   

  	
  1.0847

  	
   

  	
  1.0824

  	
   

  
	
  41

  	
   

  	
  1.1085

  	
   

  	
  1.1065

  	
   

  	
  1.1045

  	
   

  	
  1.1024

  	
   

  	
  1.1003

  	
   

  	
  1.0981

  	
   

  	
  1.0958

  	
   

  	
  1.0935

  	
   

  	
  1.0912

  	
   

  	
  1.0888

  	
   

  
	
  42

  	
   

  	
  1.1160

  	
   

  	
  1.1140

  	
   

  	
  1.1119

  	
   

  	
  1.1097

  	
   

  	
  1.1075

  	
   

  	
  1.1052

  	
   

  	
  1.1029

  	
   

  	
  1.1006

  	
   

  	
  1.0981

  	
   

  	
  1.0957

  	
   

  
	
  43

  	
   

  	
  1.1239

  	
   

  	
  1.1218

  	
   

  	
  1.1197

  	
   

  	
  1.1175

  	
   

  	
  1.1152

  	
   

  	
  1.1129

  	
   

  	
  1.1105

  	
   

  	
  1.1080

  	
   

  	
  1.1055

  	
   

  	
  1.1030

  	
   

  
	
  44

  	
   

  	
  1.1323

  	
   

  	
  1.1302

  	
   

  	
  1.1280

  	
   

  	
  1.1257

  	
   

  	
  1.1234

  	
   

  	
  1.1210

  	
   

  	
  1.1185

  	
   

  	
  1.1160

  	
   

  	
  1.1134

  	
   

  	
  1.1107

  	
   

  
	
  45

  	
   

  	
  1.1412

  	
   

  	
  1.1390

  	
   

  	
  1.1368

  	
   

  	
  1.1344

  	
   

  	
  1.1320

  	
   

  	
  1.1295

  	
   

  	
  1.1270

  	
   

  	
  1.1244

  	
   

  	
  1.1217

  	
   

  	
  1.1190

  	
   

  
	
  46

  	
   

  	
  1.1506

  	
   

  	
  1.1484

  	
   

  	
  1.1460

  	
   

  	
  1.1436

  	
   

  	
  1.1412

  	
   

  	
  1.1386

  	
   

  	
  1.1360

  	
   

  	
  1.1333

  	
   

  	
  1.1305

  	
   

  	
  1.1277

  	
   

  
	
  47

  	
   

  	
  1.1605

  	
   

  	
  1.1582

  	
   

  	
  1.1558

  	
   

  	
  1.1534

  	
   

  	
  1.1508

  	
   

  	
  1.1482

  	
   

  	
  1.1455

  	
   

  	
  1.1427

  	
   

  	
  1.1399

  	
   

  	
  1.1369

  	
   

  
	
  48

  	
   

  	
  1.1710

  	
   

  	
  1.1686

  	
   

  	
  1.1662

  	
   

  	
  1.1637

  	
   

  	
  1.1610

  	
   

  	
  1.1583

  	
   

  	
  1.1556

  	
   

  	
  1.1527

  	
   

  	
  1.1497

  	
   

  	
  1.1467

  	
   

  
	
  49

  	
   

  	
  1.1821

  	
   

  	
  1.1796

  	
   

  	
  1.1771

  	
   

  	
  1.1745

  	
   

  	
  1.1718

  	
   

  	
  1.1690

  	
   

  	
  1.1662

  	
   

  	
  1.1632

  	
   

  	
  1.1602

  	
   

  	
  1.1571

  	
   

  
	
  50

  	
   

  	
  1.1937

  	
   

  	
  1.1912

  	
   

  	
  1.1887

  	
   

  	
  1.1860

  	
   

  	
  1.1832

  	
   

  	
  1.1804

  	
   

  	
  1.1774

  	
   

  	
  1.1744

  	
   

  	
  1.1712

  	
   

  	
  1.1680

  	
   

  
	
  51

  	
   

  	
  1.2061

  	
   

  	
  1.2035

  	
   

  	
  1.2009

  	
   

  	
  1.1981

  	
   

  	
  1.1953

  	
   

  	
  1.1923

  	
   

  	
  1.1893

  	
   

  	
  1.1862

  	
   

  	
  1.1830

  	
   

  	
  1.1796

  	
   

  
	
  52

  	
   

  	
  1.2191

  	
   

  	
  1.2165

  	
   

  	
  1.2138

  	
   

  	
  1.2110

  	
   

  	
  1.2080

  	
   

  	
  1.2050

  	
   

  	
  1.2019

  	
   

  	
  1.1987

  	
   

  	
  1.1954

  	
   

  	
  1.1919

  	
   

  
	
  53

  	
   

  	
  1.2330

  	
   

  	
  1.2303

  	
   

  	
  1.2275

  	
   

  	
  1.2246

  	
   

  	
  1.2216

  	
   

  	
  1.2185

  	
   

  	
  1.2152

  	
   

  	
  1.2119

  	
   

  	
  1.2085

  	
   

  	
  1.2050

  	
   

  
	
  54

  	
   

  	
  1.2476

  	
   

  	
  1.2449

  	
   

  	
  1.2420

  	
   

  	
  1.2390

  	
   

  	
  1.2359

  	
   

  	
  1.2327

  	
   

  	
  1.2294

  	
   

  	
  1.2260

  	
   

  	
  1.2225

  	
   

  	
  1.2188

  	
   

  
	
  55

  	
   

  	
  1.2632

  	
   

  	
  1.2604

  	
   

  	
  1.2574

  	
   

  	
  1.2543

  	
   

  	
  1.2512

  	
   

  	
  1.2479

  	
   

  	
  1.2445

  	
   

  	
  1.2410

  	
   

  	
  1.2373

  	
   

  	
  1.2336

  	
   

  
	
  56

  	
   

  	
  1.2798

  	
   

  	
  1.2769

  	
   

  	
  1.2738

  	
   

  	
  1.2707

  	
   

  	
  1.2674

  	
   

  	
  1.2640

  	
   

  	
  1.2605

  	
   

  	
  1.2569

  	
   

  	
  1.2532

  	
   

  	
  1.2493

  	
   

  
	
  57

  	
   

  	
  1.2975

  	
   

  	
  1.2945

  	
   

  	
  1.2914

  	
   

  	
  1.2881

  	
   

  	
  1.2848

  	
   

  	
  1.2813

  	
   

  	
  1.2777

  	
   

  	
  1.2739

  	
   

  	
  1.2701

  	
   

  	
  1.2661

  	
   

  
	
  58

  	
   

  	
  1.3164

  	
   

  	
  1.3133

  	
   

  	
  1.3101

  	
   

  	
  1.3068

  	
   

  	
  1.3033

  	
   

  	
  1.2997

  	
   

  	
  1.2960

  	
   

  	
  1.2922

  	
   

  	
  1.2882

  	
   

  	
  1.2841

  	
   

  
	
  59

  	
   

  	
  1.3367

  	
   

  	
  1.3335

  	
   

  	
  1.3302

  	
   

  	
  1.3268

  	
   

  	
  1.3232

  	
   

  	
  1.3195

  	
   

  	
  1.3157

  	
   

  	
  1.3117

  	
   

  	
  1.3076

  	
   

  	
  1.3033

  	
   

  
	
  60

  	
   

  	
  1.3585

  	
   

  	
  1.3552

  	
   

  	
  1.3518

  	
   

  	
  1.3483

  	
   

  	
  1.3446

  	
   

  	
  1.3408

  	
   

  	
  1.3368

  	
   

  	
  1.3327

  	
   

  	
  1.3285

  	
   

  	
  1.3241

  	
   

  
	
  61

  	
   

  	
  1.3820

  	
   

  	
  1.3786

  	
   

  	
  1.3750

  	
   

  	
  1.3714

  	
   

  	
  1.3676

  	
   

  	
  1.3636

  	
   

  	
  1.3595

  	
   

  	
  1.3553

  	
   

  	
  1.3509

  	
   

  	
  1.3464

  	
   

  
	
  62

  	
   

  	
  1.4072

  	
   

  	
  1.4037

  	
   

  	
  1.4000

  	
   

  	
  1.3962

  	
   

  	
  1.3923

  	
   

  	
  1.3882

  	
   

  	
  1.3840

  	
   

  	
  1.3796

  	
   

  	
  1.3751

  	
   

  	
  1.3704

  	
   

  
	
  63

  	
   

  	
  1.4343

  	
   

  	
  1.4307

  	
   

  	
  1.4269

  	
   

  	
  1.4230

  	
   

  	
  1.4190

  	
   

  	
  1.4148

  	
   

  	
  1.4104

  	
   

  	
  1.4058

  	
   

  	
  1.4011

  	
   

  	
  1.3963

  	
   

  
	
  64

  	
   

  	
  1.4636

  	
   

  	
  1.4598

  	
   

  	
  1.4559

  	
   

  	
  1.4519

  	
   

  	
  1.4477

  	
   

  	
  1.4433

  	
   

  	
  1.4388

  	
   

  	
  1.4341

  	
   

  	
  1.4292

  	
   

  	
  1.4241

  	
   

  
	
  65

  	
   

  	
  1.4950

  	
   

  	
  1.4911

  	
   

  	
  1.4871

  	
   

  	
  1.4829

  	
   

  	
  1.4785

  	
   

  	
  1.4740

  	
   

  	
  1.4693

  	
   

  	
  1.4644

  	
   

  	
  1.4593

  	
   

  	
  1.4541

  	
   

  
	
  66

  	
   

  	
  1.5287

  	
   

  	
  1.5247

  	
   

  	
  1.5205

  	
   

  	
  1.5161

  	
   

  	
  1.5116

  	
   

  	
  1.5069

  	
   

  	
  1.5020

  	
   

  	
  1.4969

  	
   

  	
  1.4917

  	
   

  	
  1.4862

  	
   

  
	
  67

  	
   

  	
  1.5647

  	
   

  	
  1.5605

  	
   

  	
  1.5562

  	
   

  	
  1.5516

  	
   

  	
  1.5469

  	
   

  	
  1.5421

  	
   

  	
  1.5370

  	
   

  	
  1.5317

  	
   

  	
  1.5263

  	
   

  	
  1.5206

  	
   

  
	
  68

  	
   

  	
  1.6033

  	
   

  	
  1.5989

  	
   

  	
  1.5944

  	
   

  	
  1.5897

  	
   

  	
  1.5848

  	
   

  	
  1.5798

  	
   

  	
  1.5745

  	
   

  	
  1.5690

  	
   

  	
  1.5634

  	
   

  	
  1.5575

  	
   

  
	
  69

  	
   

  	
  1.6450

  	
   

  	
  1.6405

  	
   

  	
  1.6358

  	
   

  	
  1.6309

  	
   

  	
  1.6258

  	
   

  	
  1.6205

  	
   

  	
  1.6150

  	
   

  	
  1.6093

  	
   

  	
  1.6034

  	
   

  	
  1.5973

  	
   

  
	
  70

  	
   

  	
  1.6903

  	
   

  	
  1.6856

  	
   

  	
  1.6807

  	
   

  	
  1.6756

  	
   

  	
  1.6703

  	
   

  	
  1.6648

  	
   

  	
  1.6591

  	
   

  	
  1.6531

  	
   

  	
  1.6470

  	
   

  	
  1.6406

  	
   

  



 


1





















 


	
  EMPLOYEE’S

  	
   

  	
  BENEFICIARY’S AGE

  	
   

  
	
  AGE

  	
   

  	
  30

  	
   

  	
  31

  	
   

  	
  32

  	
   

  	
  33

  	
   

  	
  34

  	
   

  	
  35

  	
   

  	
  36

  	
   

  	
  37

  	
   

  	
  38

  	
   

  	
  39

  	
   

  
	
  20

  	
   

  	
  1.0160

  	
   

  	
  1.0153

  	
   

  	
  1.0146

  	
   

  	
  1.0139

  	
   

  	
  1.0132

  	
   

  	
  1.0126

  	
   

  	
  1.0119

  	
   

  	
  1.0113

  	
   

  	
  1.0107

  	
   

  	
  1.0102

  	
   

  
	
  21

  	
   

  	
  1.0174

  	
   

  	
  1.0166

  	
   

  	
  1.0158

  	
   

  	
  1.0151

  	
   

  	
  1.0143

  	
   

  	
  1.0136

  	
   

  	
  1.0130

  	
   

  	
  1.0123

  	
   

  	
  1.0117

  	
   

  	
  1.0110

  	
   

  
	
  22

  	
   

  	
  1.0189

  	
   

  	
  1.0180

  	
   

  	
  1.0172

  	
   

  	
  1.0164

  	
   

  	
  1.0156

  	
   

  	
  1.0148

  	
   

  	
  1.0141

  	
   

  	
  1.0134

  	
   

  	
  1.0127

  	
   

  	
  1.0120

  	
   

  
	
  23

  	
   

  	
  1.0205

  	
   

  	
  1.0196

  	
   

  	
  1.0187

  	
   

  	
  1.0178

  	
   

  	
  1.0170

  	
   

  	
  1.0161

  	
   

  	
  1.0153

  	
   

  	
  1.0146

  	
   

  	
  1.0138

  	
   

  	
  1.0131

  	
   

  
	
  24

  	
   

  	
  1.0223

  	
   

  	
  1.0213

  	
   

  	
  1.0203

  	
   

  	
  1.0194

  	
   

  	
  1.0185

  	
   

  	
  1.0176

  	
   

  	
  1.0167

  	
   

  	
  1.0159

  	
   

  	
  1.0150

  	
   

  	
  1.0143

  	
   

  
	
  25

  	
   

  	
  1.0242

  	
   

  	
  1.0231

  	
   

  	
  1.0221

  	
   

  	
  1.0211

  	
   

  	
  1.0201

  	
   

  	
  1.0191

  	
   

  	
  1.0182

  	
   

  	
  1.0173

  	
   

  	
  1.0164

  	
   

  	
  1.0156

  	
   

  
	
  26

  	
   

  	
  1.0262

  	
   

  	
  1.0251

  	
   

  	
  1.0240

  	
   

  	
  1.0229

  	
   

  	
  1.0219

  	
   

  	
  1.0208

  	
   

  	
  1.0198

  	
   

  	
  1.0189

  	
   

  	
  1.0179

  	
   

  	
  1.0170

  	
   

  
	
  27

  	
   

  	
  1.0285

  	
   

  	
  1.0273

  	
   

  	
  1.0261

  	
   

  	
  1.0250

  	
   

  	
  1.0238

  	
   

  	
  1.0227

  	
   

  	
  1.0216

  	
   

  	
  1.0206

  	
   

  	
  1.0195

  	
   

  	
  1.0185

  	
   

  
	
  28

  	
   

  	
  1.0309

  	
   

  	
  1.0297

  	
   

  	
  1.0284

  	
   

  	
  1.0272

  	
   

  	
  1.0259

  	
   

  	
  1.0247

  	
   

  	
  1.0236

  	
   

  	
  1.0224

  	
   

  	
  1.0213

  	
   

  	
  1.0203

  	
   

  
	
  29

  	
   

  	
  1.0336

  	
   

  	
  1.0322

  	
   

  	
  1.0309

  	
   

  	
  1.0295

  	
   

  	
  1.0282

  	
   

  	
  1.0270

  	
   

  	
  1.0257

  	
   

  	
  1.0245

  	
   

  	
  1.0233

  	
   

  	
  1.0221

  	
   

  
	
  30

  	
   

  	
  1.0364

  	
   

  	
  1.0350

  	
   

  	
  1.0336

  	
   

  	
  1.0321

  	
   

  	
  1.0308

  	
   

  	
  1.0294

  	
   

  	
  1.0280

  	
   

  	
  1.0267

  	
   

  	
  1.0254

  	
   

  	
  1.0242

  	
   

  
	
  31

  	
   

  	
  1.0395

  	
   

  	
  1.0380

  	
   

  	
  1.0365

  	
   

  	
  1.0350

  	
   

  	
  1.0335

  	
   

  	
  1.0320

  	
   

  	
  1.0306

  	
   

  	
  1.0292

  	
   

  	
  1.0278

  	
   

  	
  1.0264

  	
   

  
	
  32

  	
   

  	
  1.0428

  	
   

  	
  1.0412

  	
   

  	
  1.0396

  	
   

  	
  1.0380

  	
   

  	
  1.0364

  	
   

  	
  1.0349

  	
   

  	
  1.0333

  	
   

  	
  1.0318

  	
   

  	
  1.0303

  	
   

  	
  1.0289

  	
   

  
	
  33

  	
   

  	
  1.0464

  	
   

  	
  1.0447

  	
   

  	
  1.0430

  	
   

  	
  1.0413

  	
   

  	
  1.0396

  	
   

  	
  1.0380

  	
   

  	
  1.0363

  	
   

  	
  1.0347

  	
   

  	
  1.0331

  	
   

  	
  1.0316

  	
   

  
	
  34

  	
   

  	
  1.0502

  	
   

  	
  1.0484

  	
   

  	
  1.0466

  	
   

  	
  1.0449

  	
   

  	
  1.0431

  	
   

  	
  1.0413

  	
   

  	
  1.0396

  	
   

  	
  1.0378

  	
   

  	
  1.0361

  	
   

  	
  1.0345

  	
   

  
	
  35

  	
   

  	
  1.0543

  	
   

  	
  1.0525

  	
   

  	
  1.0506

  	
   

  	
  1.0487

  	
   

  	
  1.0468

  	
   

  	
  1.0449

  	
   

  	
  1.0431

  	
   

  	
  1.0413

  	
   

  	
  1.0394

  	
   

  	
  1.0377

  	
   

  
	
  36

  	
   

  	
  1.0588

  	
   

  	
  1.0568

  	
   

  	
  1.0548

  	
   

  	
  1.0528

  	
   

  	
  1.0509

  	
   

  	
  1.0489

  	
   

  	
  1.0469

  	
   

  	
  1.0450

  	
   

  	
  1.0430

  	
   

  	
  1.0411

  	
   

  
	
  37

  	
   

  	
  1.0636

  	
   

  	
  1.0615

  	
   

  	
  1.0594

  	
   

  	
  1.0573

  	
   

  	
  1.0552

  	
   

  	
  1.0531

  	
   

  	
  1.0510

  	
   

  	
  1.0490

  	
   

  	
  1.0469

  	
   

  	
  1.0449

  	
   

  
	
  38

  	
   

  	
  1.0687

  	
   

  	
  1.0665

  	
   

  	
  1.0643

  	
   

  	
  1.0621

  	
   

  	
  1.0599

  	
   

  	
  1.0577

  	
   

  	
  1.0555

  	
   

  	
  1.0533

  	
   

  	
  1.0511

  	
   

  	
  1.0490

  	
   

  
	
  39

  	
   

  	
  1.0742

  	
   

  	
  1.0719

  	
   

  	
  1.0696

  	
   

  	
  1.0673

  	
   

  	
  1.0650

  	
   

  	
  1.0627

  	
   

  	
  1.0603

  	
   

  	
  1.0580

  	
   

  	
  1.0557

  	
   

  	
  1.0534

  	
   

  
	
  40

  	
   

  	
  1.0801

  	
   

  	
  1.0777

  	
   

  	
  1.0753

  	
   

  	
  1.0729

  	
   

  	
  1.0705

  	
   

  	
  1.0680

  	
   

  	
  1.0656

  	
   

  	
  1.0631

  	
   

  	
  1.0606

  	
   

  	
  1.0582

  	
   

  
	
  41

  	
   

  	
  1.0864

  	
   

  	
  1.0839

  	
   

  	
  1.0814

  	
   

  	
  1.0789

  	
   

  	
  1.0763

  	
   

  	
  1.0738

  	
   

  	
  1.0712

  	
   

  	
  1.0686

  	
   

  	
  1.0660

  	
   

  	
  1.0634

  	
   

  
	
  42

  	
   

  	
  1.0931

  	
   

  	
  1.0906

  	
   

  	
  1.0880

  	
   

  	
  1.0853

  	
   

  	
  1.0827

  	
   

  	
  1.0800

  	
   

  	
  1.0772

  	
   

  	
  1.0745

  	
   

  	
  1.0718

  	
   

  	
  1.0690

  	
   

  
	
  43

  	
   

  	
  1.1003

  	
   

  	
  1.0977

  	
   

  	
  1.0950

  	
   

  	
  1.0922

  	
   

  	
  1.0894

  	
   

  	
  1.0866

  	
   

  	
  1.0838

  	
   

  	
  1.0809

  	
   

  	
  1.0780

  	
   

  	
  1.0751

  	
   

  
	
  44

  	
   

  	
  1.1080

  	
   

  	
  1.1052

  	
   

  	
  1.1024

  	
   

  	
  1.0995

  	
   

  	
  1.0966

  	
   

  	
  1.0937

  	
   

  	
  1.0907

  	
   

  	
  1.0877

  	
   

  	
  1.0847

  	
   

  	
  1.0816

  	
   

  
	
  45

  	
   

  	
  1.1161

  	
   

  	
  1.1133

  	
   

  	
  1.1103

  	
   

  	
  1.1074

  	
   

  	
  1.1043

  	
   

  	
  1.1012

  	
   

  	
  1.0981

  	
   

  	
  1.0950

  	
   

  	
  1.0918

  	
   

  	
  1.0886

  	
   

  
	
  46

  	
   

  	
  1.1248

  	
   

  	
  1.1218

  	
   

  	
  1.1188

  	
   

  	
  1.1157

  	
   

  	
  1.1125

  	
   

  	
  1.1093

  	
   

  	
  1.1060

  	
   

  	
  1.1027

  	
   

  	
  1.0994

  	
   

  	
  1.0960

  	
   

  
	
  47

  	
   

  	
  1.1339

  	
   

  	
  1.1308

  	
   

  	
  1.1277

  	
   

  	
  1.1245

  	
   

  	
  1.1212

  	
   

  	
  1.1178

  	
   

  	
  1.1144

  	
   

  	
  1.1110

  	
   

  	
  1.1075

  	
   

  	
  1.1040

  	
   

  
	
  48

  	
   

  	
  1.1436

  	
   

  	
  1.1404

  	
   

  	
  1.1371

  	
   

  	
  1.1338

  	
   

  	
  1.1304

  	
   

  	
  1.1269

  	
   

  	
  1.1234

  	
   

  	
  1.1198

  	
   

  	
  1.1161

  	
   

  	
  1.1124

  	
   

  
	
  49

  	
   

  	
  1.1539

  	
   

  	
  1.1506

  	
   

  	
  1.1472

  	
   

  	
  1.1437

  	
   

  	
  1.1402

  	
   

  	
  1.1366

  	
   

  	
  1.1329

  	
   

  	
  1.1291

  	
   

  	
  1.1253

  	
   

  	
  1.1214

  	
   

  
	
  50

  	
   

  	
  1.1647

  	
   

  	
  1.1613

  	
   

  	
  1.1578

  	
   

  	
  1.1542

  	
   

  	
  1.1505

  	
   

  	
  1.1468

  	
   

  	
  1.1429

  	
   

  	
  1.1390

  	
   

  	
  1.1351

  	
   

  	
  1.1310

  	
   

  
	
  51

  	
   

  	
  1.1762

  	
   

  	
  1.1727

  	
   

  	
  1.1691

  	
   

  	
  1.1654

  	
   

  	
  1.1615

  	
   

  	
  1.1576

  	
   

  	
  1.1537

  	
   

  	
  1.1496

  	
   

  	
  1.1454

  	
   

  	
  1.1412

  	
   

  
	
  52

  	
   

  	
  1.1884

  	
   

  	
  1.1848

  	
   

  	
  1.1810

  	
   

  	
  1.1772

  	
   

  	
  1.1732

  	
   

  	
  1.1692

  	
   

  	
  1.1650

  	
   

  	
  1.1608

  	
   

  	
  1.1565

  	
   

  	
  1.1521

  	
   

  
	
  53

  	
   

  	
  1.2013

  	
   

  	
  1.1976

  	
   

  	
  1.1937

  	
   

  	
  1.1897

  	
   

  	
  1.1856

  	
   

  	
  1.1815

  	
   

  	
  1.1772

  	
   

  	
  1.1728

  	
   

  	
  1.1683

  	
   

  	
  1.1637

  	
   

  
	
  54

  	
   

  	
  1.2151

  	
   

  	
  1.2112

  	
   

  	
  1.2072

  	
   

  	
  1.2031

  	
   

  	
  1.1989

  	
   

  	
  1.1945

  	
   

  	
  1.1901

  	
   

  	
  1.1855

  	
   

  	
  1.1808

  	
   

  	
  1.1761

  	
   

  
	
  55

  	
   

  	
  1.2297

  	
   

  	
  1.2257

  	
   

  	
  1.2216

  	
   

  	
  1.2173

  	
   

  	
  1.2129

  	
   

  	
  1.2085

  	
   

  	
  1.2038

  	
   

  	
  1.1991

  	
   

  	
  1.1942

  	
   

  	
  1.1893

  	
   

  
	
  56

  	
   

  	
  1.2453

  	
   

  	
  1.2412

  	
   

  	
  1.2369

  	
   

  	
  1.2325

  	
   

  	
  1.2280

  	
   

  	
  1.2233

  	
   

  	
  1.2185

  	
   

  	
  1.2136

  	
   

  	
  1.2086

  	
   

  	
  1.2034

  	
   

  
	
  57

  	
   

  	
  1.2620

  	
   

  	
  1.2577

  	
   

  	
  1.2533

  	
   

  	
  1.2487

  	
   

  	
  1.2441

  	
   

  	
  1.2392

  	
   

  	
  1.2343

  	
   

  	
  1.2292

  	
   

  	
  1.2239

  	
   

  	
  1.2186

  	
   

  
	
  58

  	
   

  	
  1.2798

  	
   

  	
  1.2754

  	
   

  	
  1.2708

  	
   

  	
  1.2661

  	
   

  	
  1.2613

  	
   

  	
  1.2563

  	
   

  	
  1.2511

  	
   

  	
  1.2459

  	
   

  	
  1.2404

  	
   

  	
  1.2348

  	
   

  
	
  59

  	
   

  	
  1.2989

  	
   

  	
  1.2944

  	
   

  	
  1.2897

  	
   

  	
  1.2848

  	
   

  	
  1.2798

  	
   

  	
  1.2746

  	
   

  	
  1.2693

  	
   

  	
  1.2638

  	
   

  	
  1.2581

  	
   

  	
  1.2523

  	
   

  
	
  60

  	
   

  	
  1.3195

  	
   

  	
  1.3148

  	
   

  	
  1.3099

  	
   

  	
  1.3049

  	
   

  	
  1.2997

  	
   

  	
  1.2943

  	
   

  	
  1.2888

  	
   

  	
  1.2831

  	
   

  	
  1.2772

  	
   

  	
  1.2712

  	
   

  
	
  61

  	
   

  	
  1.3416

  	
   

  	
  1.3368

  	
   

  	
  1.3317

  	
   

  	
  1.3265

  	
   

  	
  1.3211

  	
   

  	
  1.3156

  	
   

  	
  1.3098

  	
   

  	
  1.3039

  	
   

  	
  1.2978

  	
   

  	
  1.2915

  	
   

  
	
  62

  	
   

  	
  1.3655

  	
   

  	
  1.3604

  	
   

  	
  1.3552

  	
   

  	
  1.3498

  	
   

  	
  1.3442

  	
   

  	
  1.3384

  	
   

  	
  1.3325

  	
   

  	
  1.3263

  	
   

  	
  1.3200

  	
   

  	
  1.3135

  	
   

  
	
  63

  	
   

  	
  1.3912

  	
   

  	
  1.3860

  	
   

  	
  1.3805

  	
   

  	
  1.3749

  	
   

  	
  1.3691

  	
   

  	
  1.3631

  	
   

  	
  1.3569

  	
   

  	
  1.3506

  	
   

  	
  1.3440

  	
   

  	
  1.3372

  	
   

  
	
  64

  	
   

  	
  1.4189

  	
   

  	
  1.4134

  	
   

  	
  1.4078

  	
   

  	
  1.4020

  	
   

  	
  1.3960

  	
   

  	
  1.3897

  	
   

  	
  1.3833

  	
   

  	
  1.3767

  	
   

  	
  1.3698

  	
   

  	
  1.3627

  	
   

  
	
  65

  	
   

  	
  1.4486

  	
   

  	
  1.4430

  	
   

  	
  1.4372

  	
   

  	
  1.4311

  	
   

  	
  1.4249

  	
   

  	
  1.4184

  	
   

  	
  1.4117

  	
   

  	
  1.4048

  	
   

  	
  1.3976

  	
   

  	
  1.3902

  	
   

  
	
  66

  	
   

  	
  1.4806

  	
   

  	
  1.4747

  	
   

  	
  1.4687

  	
   

  	
  1.4624

  	
   

  	
  1.4558

  	
   

  	
  1.4491

  	
   

  	
  1.4421

  	
   

  	
  1.4349

  	
   

  	
  1.4275

  	
   

  	
  1.4198

  	
   

  
	
  67

  	
   

  	
  1.5147

  	
   

  	
  1.5086

  	
   

  	
  1.5023

  	
   

  	
  1.4958

  	
   

  	
  1.4890

  	
   

  	
  1.4820

  	
   

  	
  1.4747

  	
   

  	
  1.4672

  	
   

  	
  1.4595

  	
   

  	
  1.4514

  	
   

  
	
  68

  	
   

  	
  1.5513

  	
   

  	
  1.5450

  	
   

  	
  1.5384

  	
   

  	
  1.5316

  	
   

  	
  1.5245

  	
   

  	
  1.5172

  	
   

  	
  1.5097

  	
   

  	
  1.5018

  	
   

  	
  1.4938

  	
   

  	
  1.4854

  	
   

  
	
  69

  	
   

  	
  1.5909

  	
   

  	
  1.5843

  	
   

  	
  1.5775

  	
   

  	
  1.5703

  	
   

  	
  1.5630

  	
   

  	
  1.5554

  	
   

  	
  1.5475

  	
   

  	
  1.5393

  	
   

  	
  1.5308

  	
   

  	
  1.5221

  	
   

  
	
  70

  	
   

  	
  1.6339

  	
   

  	
  1.6270

  	
   

  	
  1.6199

  	
   

  	
  1.6124

  	
   

  	
  1.6048

  	
   

  	
  1.5968

  	
   

  	
  1.5885

  	
   

  	
  1.5800

  	
   

  	
  1.5712

  	
   

  	
  1.5620

  	
   

  



 


2





















 


Equivalent Benefit Payable Under Single Life Annuity Option for Each
$1.00 Otherwise Payable


 


	
  EMPLOYEE’S

  	
   

  	
  BENEFICIARY’S AGE

  	
   

  
	
  AGE

  	
   

  	
  40

  	
   

  	
  41

  	
   

  	
  42

  	
   

  	
  43

  	
   

  	
  44

  	
   

  	
  45

  	
   

  	
  46

  	
   

  	
  47

  	
   

  	
  48

  	
   

  	
  49

  	
   

  
	
  20

  	
   

  	
  1.0096

  	
   

  	
  1.0091

  	
   

  	
  1.0086

  	
   

  	
  1.0081

  	
   

  	
  1.0076

  	
   

  	
  1.0072

  	
   

  	
  1.0068

  	
   

  	
  1.0064

  	
   

  	
  1.0060

  	
   

  	
  1.0056

  	
   

  
	
  21

  	
   

  	
  1.0104

  	
   

  	
  1.0099

  	
   

  	
  1.0093

  	
   

  	
  1.0088

  	
   

  	
  1.0083

  	
   

  	
  1.0078

  	
   

  	
  1.0074

  	
   

  	
  1.0069

  	
   

  	
  1.0065

  	
   

  	
  1.0061

  	
   

  
	
  22

  	
   

  	
  1.0114

  	
   

  	
  1.0107

  	
   

  	
  1.0102

  	
   

  	
  1.0096

  	
   

  	
  1.0090

  	
   

  	
  1.0085

  	
   

  	
  1.0080

  	
   

  	
  1.0075

  	
   

  	
  1.0071

  	
   

  	
  1.0066

  	
   

  
	
  23

  	
   

  	
  1.0124

  	
   

  	
  1.0117

  	
   

  	
  1.0111

  	
   

  	
  1.0104

  	
   

  	
  1.0098

  	
   

  	
  1.0093

  	
   

  	
  1.0087

  	
   

  	
  1.0082

  	
   

  	
  1.0077

  	
   

  	
  1.0072

  	
   

  
	
  24

  	
   

  	
  1.0135

  	
   

  	
  1.0128

  	
   

  	
  1.0121

  	
   

  	
  1.0114

  	
   

  	
  1.0107

  	
   

  	
  1.0101

  	
   

  	
  1.0095

  	
   

  	
  1.0089

  	
   

  	
  1.0084

  	
   

  	
  1.0079

  	
   

  
	
  25

  	
   

  	
  1.0147

  	
   

  	
  1.0139

  	
   

  	
  1.0132

  	
   

  	
  1.0124

  	
   

  	
  1.0117

  	
   

  	
  1.0110

  	
   

  	
  1.0104

  	
   

  	
  1.0098

  	
   

  	
  1.0092

  	
   

  	
  1.0086

  	
   

  
	
  26

  	
   

  	
  1.0161

  	
   

  	
  1.0152

  	
   

  	
  1.0144

  	
   

  	
  1.0136

  	
   

  	
  1.0128

  	
   

  	
  1.0121

  	
   

  	
  1.0113

  	
   

  	
  1.0107

  	
   

  	
  1.0100

  	
   

  	
  1.0094

  	
   

  
	
  27

  	
   

  	
  1.0176

  	
   

  	
  1.0166

  	
   

  	
  1.0157

  	
   

  	
  1.0149

  	
   

  	
  1.0140

  	
   

  	
  1.0132

  	
   

  	
  1.0124

  	
   

  	
  1.0117

  	
   

  	
  1.0110

  	
   

  	
  1.0103

  	
   

  
	
  28

  	
   

  	
  1.0192

  	
   

  	
  1.0182

  	
   

  	
  1.0172

  	
   

  	
  1.0163

  	
   

  	
  1.0153

  	
   

  	
  1.0145

  	
   

  	
  1.0136

  	
   

  	
  1.0128

  	
   

  	
  1.0120

  	
   

  	
  1.0113

  	
   

  
	
  29

  	
   

  	
  1.0210

  	
   

  	
  1.0199

  	
   

  	
  1.0188

  	
   

  	
  1.0178

  	
   

  	
  1.0168

  	
   

  	
  1.0158

  	
   

  	
  1.0149

  	
   

  	
  1.0140

  	
   

  	
  1.0132

  	
   

  	
  1.0124

  	
   

  
	
  30

  	
   

  	
  1.0230

  	
   

  	
  1.0218

  	
   

  	
  1.0206

  	
   

  	
  1.0195

  	
   

  	
  1.0184

  	
   

  	
  1.0174

  	
   

  	
  1.0164

  	
   

  	
  1.0154

  	
   

  	
  1.0145

  	
   

  	
  1.0136

  	
   

  
	
  31

  	
   

  	
  1.0251

  	
   

  	
  1.0238

  	
   

  	
  1.0226

  	
   

  	
  1.0214

  	
   

  	
  1.0202

  	
   

  	
  1.0190

  	
   

  	
  1.0180

  	
   

  	
  1.0169

  	
   

  	
  1.0159

  	
   

  	
  1.0149

  	
   

  
	
  32

  	
   

  	
  1.0275

  	
   

  	
  1.0261

  	
   

  	
  1.0247

  	
   

  	
  1.0234

  	
   

  	
  1.0221

  	
   

  	
  1.0209

  	
   

  	
  1.0197

  	
   

  	
  1.0186

  	
   

  	
  1.0175

  	
   

  	
  1.0164

  	
   

  
	
  33

  	
   

  	
  1.0300

  	
   

  	
  1.0285

  	
   

  	
  1.0271

  	
   

  	
  1.0257

  	
   

  	
  1.0243

  	
   

  	
  1.0229

  	
   

  	
  1.0216

  	
   

  	
  1.0204

  	
   

  	
  1.0192

  	
   

  	
  1.0180

  	
   

  
	
  34

  	
   

  	
  1.0328

  	
   

  	
  1.0312

  	
   

  	
  1.0297

  	
   

  	
  1.0281

  	
   

  	
  1.0266

  	
   

  	
  1.0252

  	
   

  	
  1.0238

  	
   

  	
  1.0224

  	
   

  	
  1.0211

  	
   

  	
  1.0198

  	
   

  
	
  35

  	
   

  	
  1.0359

  	
   

  	
  1.0342

  	
   

  	
  1.0325

  	
   

  	
  1.0308

  	
   

  	
  1.0292

  	
   

  	
  1.0276

  	
   

  	
  1.0261

  	
   

  	
  1.0247

  	
   

  	
  1.0232

  	
   

  	
  1.0219

  	
   

  
	
  36

  	
   

  	
  1.0392

  	
   

  	
  1.0374

  	
   

  	
  1.0356

  	
   

  	
  1.0338

  	
   

  	
  1.0320

  	
   

  	
  1.0304

  	
   

  	
  1.0287

  	
   

  	
  1.0271

  	
   

  	
  1.0256

  	
   

  	
  1.0241

  	
   

  
	
  37

  	
   

  	
  1.0429

  	
   

  	
  1.0409

  	
   

  	
  1.0389

  	
   

  	
  1.0370

  	
   

  	
  1.0351

  	
   

  	
  1.0333

  	
   

  	
  1.0315

  	
   

  	
  1.0298

  	
   

  	
  1.0281

  	
   

  	
  1.0265

  	
   

  
	
  38

  	
   

  	
  1.0468

  	
   

  	
  1.0447

  	
   

  	
  1.0426

  	
   

  	
  1.0405

  	
   

  	
  1.0385

  	
   

  	
  1.0366

  	
   

  	
  1.0346

  	
   

  	
  1.0328

  	
   

  	
  1.0310

  	
   

  	
  1.0292

  	
   

  
	
  39

  	
   

  	
  1.0511

  	
   

  	
  1.0488

  	
   

  	
  1.0466

  	
   

  	
  1.0444

  	
   

  	
  1.0422

  	
   

  	
  1.0401

  	
   

  	
  1.0381

  	
   

  	
  1.0360

  	
   

  	
  1.0341

  	
   

  	
  1.0321

  	
   

  
	
  40

  	
   

  	
  1.0558

  	
   

  	
  1.0534

  	
   

  	
  1.0510

  	
   

  	
  1.0486

  	
   

  	
  1.0463

  	
   

  	
  1.0440

  	
   

  	
  1.0418

  	
   

  	
  1.0396

  	
   

  	
  1.0375

  	
   

  	
  1.0354

  	
   

  
	
  41

  	
   

  	
  1.0608

  	
   

  	
  1.0583

  	
   

  	
  1.0557

  	
   

  	
  1.0532

  	
   

  	
  1.0507

  	
   

  	
  1.0483

  	
   

  	
  1.0459

  	
   

  	
  1.0435

  	
   

  	
  1.0412

  	
   

  	
  1.0390

  	
   

  
	
  42

  	
   

  	
  1.0663

  	
   

  	
  1.0636

  	
   

  	
  1.0609

  	
   

  	
  1.0582

  	
   

  	
  1.0555

  	
   

  	
  1.0529

  	
   

  	
  1.0503

  	
   

  	
  1.0478

  	
   

  	
  1.0453

  	
   

  	
  1.0429

  	
   

  
	
  43

  	
   

  	
  1.0722

  	
   

  	
  1.0693

  	
   

  	
  1.0664

  	
   

  	
  1.0636

  	
   

  	
  1.0608

  	
   

  	
  1.0580

  	
   

  	
  1.0552

  	
   

  	
  1.0525

  	
   

  	
  1.0498

  	
   

  	
  1.0472

  	
   

  
	
  44

  	
   

  	
  1.0786

  	
   

  	
  1.0755

  	
   

  	
  1.0724

  	
   

  	
  1.0694

  	
   

  	
  1.0664

  	
   

  	
  1.0634

  	
   

  	
  1.0604

  	
   

  	
  1.0575

  	
   

  	
  1.0547

  	
   

  	
  1.0519

  	
   

  
	
  45

  	
   

  	
  1.0854

  	
   

  	
  1.0821

  	
   

  	
  1.0789

  	
   

  	
  1.0757

  	
   

  	
  1.0725

  	
   

  	
  1.0693

  	
   

  	
  1.0661

  	
   

  	
  1.0630

  	
   

  	
  1.0599

  	
   

  	
  1.0569

  	
   

  
	
  46

  	
   

  	
  1.0926

  	
   

  	
  1.0892

  	
   

  	
  1.0858

  	
   

  	
  1.0824

  	
   

  	
  1.0790

  	
   

  	
  1.0756

  	
   

  	
  1.0722

  	
   

  	
  1.0689

  	
   

  	
  1.0656

  	
   

  	
  1.0624

  	
   

  
	
  47

  	
   

  	
  1.1004

  	
   

  	
  1.0968

  	
   

  	
  1.0932

  	
   

  	
  1.0896

  	
   

  	
  1.0860

  	
   

  	
  1.0824

  	
   

  	
  1.0788

  	
   

  	
  1.0752

  	
   

  	
  1.0717

  	
   

  	
  1.0682

  	
   

  
	
  48

  	
   

  	
  1.1087

  	
   

  	
  1.1049

  	
   

  	
  1.1011

  	
   

  	
  1.0973

  	
   

  	
  1.0935

  	
   

  	
  1.0896

  	
   

  	
  1.0858

  	
   

  	
  1.0821

  	
   

  	
  1.0783

  	
   

  	
  1.0746

  	
   

  
	
  49

  	
   

  	
  1.1175

  	
   

  	
  1.1135

  	
   

  	
  1.1095

  	
   

  	
  1.1055

  	
   

  	
  1.1015

  	
   

  	
  1.0974

  	
   

  	
  1.0934

  	
   

  	
  1.0894

  	
   

  	
  1.0854

  	
   

  	
  1.0814

  	
   

  
	
  50

  	
   

  	
  1.1269

  	
   

  	
  1.1227

  	
   

  	
  1.1185

  	
   

  	
  1.1143

  	
   

  	
  1.1101

  	
   

  	
  1.1058

  	
   

  	
  1.1015

  	
   

  	
  1.0972

  	
   

  	
  1.0930

  	
   

  	
  1.0888

  	
   

  
	
  51

  	
   

  	
  1.1369

  	
   

  	
  1.1326

  	
   

  	
  1.1282

  	
   

  	
  1.1237

  	
   

  	
  1.1192

  	
   

  	
  1.1147

  	
   

  	
  1.1102

  	
   

  	
  1.1057

  	
   

  	
  1.1012

  	
   

  	
  1.0967

  	
   

  
	
  52

  	
   

  	
  1.1476

  	
   

  	
  1.1431

  	
   

  	
  1.1384

  	
   

  	
  1.1338

  	
   

  	
  1.1291

  	
   

  	
  1.1243

  	
   

  	
  1.1195

  	
   

  	
  1.1148

  	
   

  	
  1.1100

  	
   

  	
  1.1052

  	
   

  
	
  53

  	
   

  	
  1.1590

  	
   

  	
  1.1543

  	
   

  	
  1.1494

  	
   

  	
  1.1445

  	
   

  	
  1.1396

  	
   

  	
  1.1346

  	
   

  	
  1.1296

  	
   

  	
  1.1245

  	
   

  	
  1.1194

  	
   

  	
  1.1144

  	
   

  
	
  54

  	
   

  	
  1.1712

  	
   

  	
  1.1662

  	
   

  	
  1.1612

  	
   

  	
  1.1560

  	
   

  	
  1.1509

  	
   

  	
  1.1456

  	
   

  	
  1.1403

  	
   

  	
  1.1350

  	
   

  	
  1.1296

  	
   

  	
  1.1242

  	
   

  
	
  55

  	
   

  	
  1.1842

  	
   

  	
  1.1790

  	
   

  	
  1.1737

  	
   

  	
  1.1684

  	
   

  	
  1.1629

  	
   

  	
  1.1574

  	
   

  	
  1.1518

  	
   

  	
  1.1462

  	
   

  	
  1.1406

  	
   

  	
  1.1349

  	
   

  
	
  56

  	
   

  	
  1.1981

  	
   

  	
  1.1927

  	
   

  	
  1.1872

  	
   

  	
  1.1816

  	
   

  	
  1.1759

  	
   

  	
  1.1701

  	
   

  	
  1.1643

  	
   

  	
  1.1584

  	
   

  	
  1.1524

  	
   

  	
  1.1464

  	
   

  
	
  57

  	
   

  	
  1.2131

  	
   

  	
  1.2074

  	
   

  	
  1.2017

  	
   

  	
  1.1958

  	
   

  	
  1.1899

  	
   

  	
  1.1838

  	
   

  	
  1.1777

  	
   

  	
  1.1714

  	
   

  	
  1.1652

  	
   

  	
  1.1588

  	
   

  
	
  58

  	
   

  	
  1.2291

  	
   

  	
  1.2232

  	
   

  	
  1.2173

  	
   

  	
  1.2111

  	
   

  	
  1.2049

  	
   

  	
  1.1985

  	
   

  	
  1.1921

  	
   

  	
  1.1856

  	
   

  	
  1.1789

  	
   

  	
  1.1723

  	
   

  
	
  59

  	
   

  	
  1.2464

  	
   

  	
  1.2403

  	
   

  	
  1.2340

  	
   

  	
  1.2276

  	
   

  	
  1.2211

  	
   

  	
  1.2145

  	
   

  	
  1.2077

  	
   

  	
  1.2008

  	
   

  	
  1.1939

  	
   

  	
  1.1868

  	
   

  
	
  60

  	
   

  	
  1.2650

  	
   

  	
  1.2586

  	
   

  	
  1.2521

  	
   

  	
  1.2454

  	
   

  	
  1.2386

  	
   

  	
  1.2317

  	
   

  	
  1.2246

  	
   

  	
  1.2174

  	
   

  	
  1.2101

  	
   

  	
  1.2027

  	
   

  
	
  61

  	
   

  	
  1.2851

  	
   

  	
  1.2785

  	
   

  	
  1.2717

  	
   

  	
  1.2647

  	
   

  	
  1.2576

  	
   

  	
  1.2503

  	
   

  	
  1.2429

  	
   

  	
  1.2353

  	
   

  	
  1.2276

  	
   

  	
  1.2198

  	
   

  
	
  62

  	
   

  	
  1.3068

  	
   

  	
  1.2999

  	
   

  	
  1.2928

  	
   

  	
  1.2855

  	
   

  	
  1.2781

  	
   

  	
  1.2704

  	
   

  	
  1.2627

  	
   

  	
  1.2547

  	
   

  	
  1.2467

  	
   

  	
  1.2385

  	
   

  
	
  63

  	
   

  	
  1.3302

  	
   

  	
  1.3230

  	
   

  	
  1.3156

  	
   

  	
  1.3080

  	
   

  	
  1.3002

  	
   

  	
  1.2923

  	
   

  	
  1.2841

  	
   

  	
  1.2758

  	
   

  	
  1.2673

  	
   

  	
  1.2587

  	
   

  
	
  64

  	
   

  	
  1.3554

  	
   

  	
  1.3479

  	
   

  	
  1.3402

  	
   

  	
  1.3323

  	
   

  	
  1.3242

  	
   

  	
  1.3158

  	
   

  	
  1.3073

  	
   

  	
  1.2986

  	
   

  	
  1.2897

  	
   

  	
  1.2806

  	
   

  
	
  65

  	
   

  	
  1.3827

  	
   

  	
  1.3748

  	
   

  	
  1.3668

  	
   

  	
  1.3585

  	
   

  	
  1.3500

  	
   

  	
  1.3413

  	
   

  	
  1.3323

  	
   

  	
  1.3232

  	
   

  	
  1.3139

  	
   

  	
  1.3043

  	
   

  
	
  66

  	
   

  	
  1.4119

  	
   

  	
  1.4037

  	
   

  	
  1.3953

  	
   

  	
  1.3867

  	
   

  	
  1.3778

  	
   

  	
  1.3686

  	
   

  	
  1.3593

  	
   

  	
  1.3497

  	
   

  	
  1.3399

  	
   

  	
  1.3299

  	
   

  
	
  67

  	
   

  	
  1.4432

  	
   

  	
  1.4346

  	
   

  	
  1.4259

  	
   

  	
  1.4168

  	
   

  	
  1.4075

  	
   

  	
  1.3980

  	
   

  	
  1.3882

  	
   

  	
  1.3781

  	
   

  	
  1.3678

  	
   

  	
  1.3573

  	
   

  
	
  68

  	
   

  	
  1.4768

  	
   

  	
  1.4678

  	
   

  	
  1.4587

  	
   

  	
  1.4492

  	
   

  	
  1.4395

  	
   

  	
  1.4295

  	
   

  	
  1.4192

  	
   

  	
  1.4087

  	
   

  	
  1.3979

  	
   

  	
  1.3868

  	
   

  
	
  69

  	
   

  	
  1.5131

  	
   

  	
  1.5038

  	
   

  	
  1.4942

  	
   

  	
  1.4843

  	
   

  	
  1.4741

  	
   

  	
  1.4636

  	
   

  	
  1.4528

  	
   

  	
  1.4418

  	
   

  	
  1.4304

  	
   

  	
  1.4188

  	
   

  
	
  70

  	
   

  	
  1.5526

  	
   

  	
  1.5429

  	
   

  	
  1.5328

  	
   

  	
  1.5224

  	
   

  	
  1.5117

  	
   

  	
  1.5008

  	
   

  	
  1.4895

  	
   

  	
  1.4778

  	
   

  	
  1.4659

  	
   

  	
  1.4537

  	
   

  



 


3





















 


	
  EMPLOYEE’S

  	
   

  	
  BENEFICIARY’S AGE

  	
   

  
	
  AGE

  	
   

  	
  50

  	
   

  	
  51

  	
   

  	
  52

  	
   

  	
  53

  	
   

  	
  54

  	
   

  	
  55

  	
   

  	
  56

  	
   

  	
  57

  	
   

  	
  58

  	
   

  	
  59

  	
   

  
	
  20

  	
   

  	
  1.0053

  	
   

  	
  1.0050

  	
   

  	
  1.0046

  	
   

  	
  1.0043

  	
   

  	
  1.0041

  	
   

  	
  1.0038

  	
   

  	
  1.0035

  	
   

  	
  1.0033

  	
   

  	
  1.0031

  	
   

  	
  1.0029

  	
   

  
	
  21

  	
   

  	
  1.0057

  	
   

  	
  1.0054

  	
   

  	
  1.0050

  	
   

  	
  1.0047

  	
   

  	
  1.0044

  	
   

  	
  1.0041

  	
   

  	
  1.0038

  	
   

  	
  1.0036

  	
   

  	
  1.0033

  	
   

  	
  1.0031

  	
   

  
	
  22

  	
   

  	
  1.0062

  	
   

  	
  1.0058

  	
   

  	
  1.0054

  	
   

  	
  1.0051

  	
   

  	
  1.0048

  	
   

  	
  1.0044

  	
   

  	
  1.0041

  	
   

  	
  1.0038

  	
   

  	
  1.0036

  	
   

  	
  1.0033

  	
   

  
	
  23

  	
   

  	
  1.0068

  	
   

  	
  1.0063

  	
   

  	
  1.0059

  	
   

  	
  1.0055

  	
   

  	
  1.0052

  	
   

  	
  1.0048

  	
   

  	
  1.0045

  	
   

  	
  1.0042

  	
   

  	
  1.0039

  	
   

  	
  1.0036

  	
   

  
	
  24

  	
   

  	
  1.0074

  	
   

  	
  1.0069

  	
   

  	
  1.0064

  	
   

  	
  1.0060

  	
   

  	
  1.0056

  	
   

  	
  1.0052

  	
   

  	
  1.0049

  	
   

  	
  1.0045

  	
   

  	
  1.0042

  	
   

  	
  1.0039

  	
   

  
	
  25

  	
   

  	
  1.0080

  	
   

  	
  1.0075

  	
   

  	
  1.0070

  	
   

  	
  1.0066

  	
   

  	
  1.0061

  	
   

  	
  1.0057

  	
   

  	
  1.0053

  	
   

  	
  1.0049

  	
   

  	
  1.0045

  	
   

  	
  1.0042

  	
   

  
	
  26

  	
   

  	
  1.0088

  	
   

  	
  1.0082

  	
   

  	
  1.0077

  	
   

  	
  1.0072

  	
   

  	
  1.0067

  	
   

  	
  1.0062

  	
   

  	
  1.0058

  	
   

  	
  1.0054

  	
   

  	
  1.0050

  	
   

  	
  1.0046

  	
   

  
	
  27

  	
   

  	
  1.0096

  	
   

  	
  1.0090

  	
   

  	
  1.0084

  	
   

  	
  1.0078

  	
   

  	
  1.0073

  	
   

  	
  1.0068

  	
   

  	
  1.0063

  	
   

  	
  1.0058

  	
   

  	
  1.0054

  	
   

  	
  1.0050

  	
   

  
	
  28

  	
   

  	
  1.0105

  	
   

  	
  1.0099

  	
   

  	
  1.0092

  	
   

  	
  1.0086

  	
   

  	
  1.0080

  	
   

  	
  1.0074

  	
   

  	
  1.0069

  	
   

  	
  1.0064

  	
   

  	
  1.0059

  	
   

  	
  1.0055

  	
   

  
	
  29

  	
   

  	
  1.0116

  	
   

  	
  1.0108

  	
   

  	
  1.0101

  	
   

  	
  1.0094

  	
   

  	
  1.0088

  	
   

  	
  1.0082

  	
   

  	
  1.0076

  	
   

  	
  1.0070

  	
   

  	
  1.0065

  	
   

  	
  1.0060

  	
   

  
	
  30

  	
   

  	
  1.0127

  	
   

  	
  1.0119

  	
   

  	
  1.0111

  	
   

  	
  1.0104

  	
   

  	
  1.0097

  	
   

  	
  1.0090

  	
   

  	
  1.0083

  	
   

  	
  1.0077

  	
   

  	
  1.0072

  	
   

  	
  1.0066

  	
   

  
	
  31

  	
   

  	
  1.0140

  	
   

  	
  1.0131

  	
   

  	
  1.0122

  	
   

  	
  1.0114

  	
   

  	
  1.0106

  	
   

  	
  1.0099

  	
   

  	
  1.0092

  	
   

  	
  1.0085

  	
   

  	
  1.0079

  	
   

  	
  1.0073

  	
   

  
	
  32

  	
   

  	
  1.0154

  	
   

  	
  1.0144

  	
   

  	
  1.0135

  	
   

  	
  1.0126

  	
   

  	
  1.0117

  	
   

  	
  1.0109

  	
   

  	
  1.0101

  	
   

  	
  1.0094

  	
   

  	
  1.0087

  	
   

  	
  1.0080

  	
   

  
	
  33

  	
   

  	
  1.0169

  	
   

  	
  1.0158

  	
   

  	
  1.0148

  	
   

  	
  1.0138

  	
   

  	
  1.0129

  	
   

  	
  1.0120

  	
   

  	
  1.0112

  	
   

  	
  1.0104

  	
   

  	
  1.0096

  	
   

  	
  1.0089

  	
   

  
	
  34

  	
   

  	
  1.0186

  	
   

  	
  1.0175

  	
   

  	
  1.0163

  	
   

  	
  1.0153

  	
   

  	
  1.0142

  	
   

  	
  1.0133

  	
   

  	
  1.0123

  	
   

  	
  1.0114

  	
   

  	
  1.0106

  	
   

  	
  1.0098

  	
   

  
	
  35

  	
   

  	
  1.0205

  	
   

  	
  1.0193

  	
   

  	
  1.0180

  	
   

  	
  1.0169

  	
   

  	
  1.0157

  	
   

  	
  1.0147

  	
   

  	
  1.0136

  	
   

  	
  1.0126

  	
   

  	
  1.0117

  	
   

  	
  1.0108

  	
   

  
	
  36

  	
   

  	
  1.0226

  	
   

  	
  1.0212

  	
   

  	
  1.0199

  	
   

  	
  1.0186

  	
   

  	
  1.0174

  	
   

  	
  1.0162

  	
   

  	
  1.0151

  	
   

  	
  1.0140

  	
   

  	
  1.0130

  	
   

  	
  1.0120

  	
   

  
	
  37

  	
   

  	
  1.0249

  	
   

  	
  1.0234

  	
   

  	
  1.0220

  	
   

  	
  1.0206

  	
   

  	
  1.0192

  	
   

  	
  1.0179

  	
   

  	
  1.0167

  	
   

  	
  1.0155

  	
   

  	
  1.0144

  	
   

  	
  1.0133

  	
   

  
	
  38

  	
   

  	
  1.0275

  	
   

  	
  1.0258

  	
   

  	
  1.0242

  	
   

  	
  1.0227

  	
   

  	
  1.0212

  	
   

  	
  1.0198

  	
   

  	
  1.0185

  	
   

  	
  1.0172

  	
   

  	
  1.0159

  	
   

  	
  1.0148

  	
   

  
	
  39

  	
   

  	
  1.0303

  	
   

  	
  1.0285

  	
   

  	
  1.0268

  	
   

  	
  1.0251

  	
   

  	
  1.0235

  	
   

  	
  1.0219

  	
   

  	
  1.0205

  	
   

  	
  1.0190

  	
   

  	
  1.0177

  	
   

  	
  1.0164

  	
   

  
	
  40

  	
   

  	
  1.0334

  	
   

  	
  1.0314

  	
   

  	
  1.0296

  	
   

  	
  1.0277

  	
   

  	
  1.0260

  	
   

  	
  1.0243

  	
   

  	
  1.0227

  	
   

  	
  1.0211

  	
   

  	
  1.0196

  	
   

  	
  1.0182

  	
   

  
	
  41

  	
   

  	
  1.0368

  	
   

  	
  1.0347

  	
   

  	
  1.0326

  	
   

  	
  1.0307

  	
   

  	
  1.0287

  	
   

  	
  1.0269

  	
   

  	
  1.0251

  	
   

  	
  1.0234

  	
   

  	
  1.0218

  	
   

  	
  1.0202

  	
   

  
	
  42

  	
   

  	
  1.0406

  	
   

  	
  1.0383

  	
   

  	
  1.0360

  	
   

  	
  1.0339

  	
   

  	
  1.0318

  	
   

  	
  1.0298

  	
   

  	
  1.0278

  	
   

  	
  1.0260

  	
   

  	
  1.0242

  	
   

  	
  1.0225

  	
   

  
	
  43

  	
   

  	
  1.0446

  	
   

  	
  1.0422

  	
   

  	
  1.0397

  	
   

  	
  1.0374

  	
   

  	
  1.0351

  	
   

  	
  1.0329

  	
   

  	
  1.0308

  	
   

  	
  1.0288

  	
   

  	
  1.0268

  	
   

  	
  1.0250

  	
   

  
	
  44

  	
   

  	
  1.0491

  	
   

  	
  1.0464

  	
   

  	
  1.0438

  	
   

  	
  1.0413

  	
   

  	
  1.0388

  	
   

  	
  1.0364

  	
   

  	
  1.0341

  	
   

  	
  1.0319

  	
   

  	
  1.0297

  	
   

  	
  1.0277

  	
   

  
	
  45

  	
   

  	
  1.0539

  	
   

  	
  1.0510

  	
   

  	
  1.0482

  	
   

  	
  1.0454

  	
   

  	
  1.0428

  	
   

  	
  1.0402

  	
   

  	
  1.0376

  	
   

  	
  1.0352

  	
   

  	
  1.0329

  	
   

  	
  1.0306

  	
   

  
	
  46

  	
   

  	
  1.0592

  	
   

  	
  1.0560

  	
   

  	
  1.0530

  	
   

  	
  1.0500

  	
   

  	
  1.0471

  	
   

  	
  1.0443

  	
   

  	
  1.0415

  	
   

  	
  1.0389

  	
   

  	
  1.0363

  	
   

  	
  1.0339

  	
   

  
	
  47

  	
   

  	
  1.0648

  	
   

  	
  1.0615

  	
   

  	
  1.0582

  	
   

  	
  1.0549

  	
   

  	
  1.0518

  	
   

  	
  1.0487

  	
   

  	
  1.0458

  	
   

  	
  1.0429

  	
   

  	
  1.0401

  	
   

  	
  1.0374

  	
   

  
	
  48

  	
   

  	
  1.0709

  	
   

  	
  1.0673

  	
   

  	
  1.0638

  	
   

  	
  1.0603

  	
   

  	
  1.0569

  	
   

  	
  1.0536

  	
   

  	
  1.0503

  	
   

  	
  1.0472

  	
   

  	
  1.0442

  	
   

  	
  1.0413

  	
   

  
	
  49

  	
   

  	
  1.0775

  	
   

  	
  1.0736

  	
   

  	
  1.0698

  	
   

  	
  1.0661

  	
   

  	
  1.0624

  	
   

  	
  1.0588

  	
   

  	
  1.0553

  	
   

  	
  1.0519

  	
   

  	
  1.0487

  	
   

  	
  1.0455

  	
   

  
	
  50

  	
   

  	
  1.0846

  	
   

  	
  1.0804

  	
   

  	
  1.0763

  	
   

  	
  1.0723

  	
   

  	
  1.0684

  	
   

  	
  1.0645

  	
   

  	
  1.0607

  	
   

  	
  1.0571

  	
   

  	
  1.0535

  	
   

  	
  1.0501

  	
   

  
	
  51

  	
   

  	
  1.0922

  	
   

  	
  1.0878

  	
   

  	
  1.0834

  	
   

  	
  1.0791

  	
   

  	
  1.0748

  	
   

  	
  1.0707

  	
   

  	
  1.0666

  	
   

  	
  1.0626

  	
   

  	
  1.0588

  	
   

  	
  1.0550

  	
   

  
	
  52

  	
   

  	
  1.1004

  	
   

  	
  1.0957

  	
   

  	
  1.0910

  	
   

  	
  1.0864

  	
   

  	
  1.0818

  	
   

  	
  1.0774

  	
   

  	
  1.0730

  	
   

  	
  1.0687

  	
   

  	
  1.0645

  	
   

  	
  1.0604

  	
   

  
	
  53

  	
   

  	
  1.1093

  	
   

  	
  1.1043

  	
   

  	
  1.0993

  	
   

  	
  1.0943

  	
   

  	
  1.0894

  	
   

  	
  1.0846

  	
   

  	
  1.0799

  	
   

  	
  1.0753

  	
   

  	
  1.0707

  	
   

  	
  1.0663

  	
   

  
	
  54

  	
   

  	
  1.1189

  	
   

  	
  1.1135

  	
   

  	
  1.1082

  	
   

  	
  1.1029

  	
   

  	
  1.0977

  	
   

  	
  1.0925

  	
   

  	
  1.0874

  	
   

  	
  1.0824

  	
   

  	
  1.0776

  	
   

  	
  1.0728

  	
   

  
	
  55

  	
   

  	
  1.1292

  	
   

  	
  1.1235

  	
   

  	
  1.1178

  	
   

  	
  1.1122

  	
   

  	
  1.1066

  	
   

  	
  1.1011

  	
   

  	
  1.0956

  	
   

  	
  1.0902

  	
   

  	
  1.0850

  	
   

  	
  1.0798

  	
   

  
	
  56

  	
   

  	
  1.1404

  	
   

  	
  1.1343

  	
   

  	
  1.1283

  	
   

  	
  1.1223

  	
   

  	
  1.1163

  	
   

  	
  1.1104

  	
   

  	
  1.1045

  	
   

  	
  1.0988

  	
   

  	
  1.0931

  	
   

  	
  1.0876

  	
   

  
	
  57

  	
   

  	
  1.1524

  	
   

  	
  1.1461

  	
   

  	
  1.1397

  	
   

  	
  1.1333

  	
   

  	
  1.1269

  	
   

  	
  1.1206

  	
   

  	
  1.1143

  	
   

  	
  1.1081

  	
   

  	
  1.1020

  	
   

  	
  1.0960

  	
   

  
	
  58

  	
   

  	
  1.1655

  	
   

  	
  1.1588

  	
   

  	
  1.1520

  	
   

  	
  1.1452

  	
   

  	
  1.1384

  	
   

  	
  1.1317

  	
   

  	
  1.1249

  	
   

  	
  1.1183

  	
   

  	
  1.1118

  	
   

  	
  1.1053

  	
   

  
	
  59

  	
   

  	
  1.1797

  	
   

  	
  1.1726

  	
   

  	
  1.1654

  	
   

  	
  1.1582

  	
   

  	
  1.1510

  	
   

  	
  1.1438

  	
   

  	
  1.1366

  	
   

  	
  1.1295

  	
   

  	
  1.1225

  	
   

  	
  1.1155

  	
   

  
	
  60

  	
   

  	
  1.1952

  	
   

  	
  1.1876

  	
   

  	
  1.1800

  	
   

  	
  1.1723

  	
   

  	
  1.1647

  	
   

  	
  1.1570

  	
   

  	
  1.1494

  	
   

  	
  1.1418

  	
   

  	
  1.1342

  	
   

  	
  1.1268

  	
   

  
	
  61

  	
   

  	
  1.2119

  	
   

  	
  1.2040

  	
   

  	
  1.1959

  	
   

  	
  1.1878

  	
   

  	
  1.1796

  	
   

  	
  1.1715

  	
   

  	
  1.1633

  	
   

  	
  1.1552

  	
   

  	
  1.1471

  	
   

  	
  1.1392

  	
   

  
	
  62

  	
   

  	
  1.2302

  	
   

  	
  1.2217

  	
   

  	
  1.2132

  	
   

  	
  1.2046

  	
   

  	
  1.1960

  	
   

  	
  1.1873

  	
   

  	
  1.1786

  	
   

  	
  1.1699

  	
   

  	
  1.1613

  	
   

  	
  1.1528

  	
   

  
	
  63

  	
   

  	
  1.2499

  	
   

  	
  1.2411

  	
   

  	
  1.2321

  	
   

  	
  1.2230

  	
   

  	
  1.2138

  	
   

  	
  1.2046

  	
   

  	
  1.1953

  	
   

  	
  1.1861

  	
   

  	
  1.1769

  	
   

  	
  1.1677

  	
   

  
	
  64

  	
   

  	
  1.2714

  	
   

  	
  1.2620

  	
   

  	
  1.2525

  	
   

  	
  1.2429

  	
   

  	
  1.2332

  	
   

  	
  1.2234

  	
   

  	
  1.2136

  	
   

  	
  1.2037

  	
   

  	
  1.1939

  	
   

  	
  1.1841

  	
   

  
	
  65

  	
   

  	
  1.2946

  	
   

  	
  1.2848

  	
   

  	
  1.2747

  	
   

  	
  1.2646

  	
   

  	
  1.2543

  	
   

  	
  1.2439

  	
   

  	
  1.2334

  	
   

  	
  1.2229

  	
   

  	
  1.2124

  	
   

  	
  1.2019

  	
   

  
	
  66

  	
   

  	
  1.3197

  	
   

  	
  1.3093

  	
   

  	
  1.2987

  	
   

  	
  1.2880

  	
   

  	
  1.2771

  	
   

  	
  1.2661

  	
   

  	
  1.2550

  	
   

  	
  1.2438

  	
   

  	
  1.2326

  	
   

  	
  1.2214

  	
   

  
	
  67

  	
   

  	
  1.3466

  	
   

  	
  1.3356

  	
   

  	
  1.3245

  	
   

  	
  1.3131

  	
   

  	
  1.3016

  	
   

  	
  1.2900

  	
   

  	
  1.2782

  	
   

  	
  1.2663

  	
   

  	
  1.2544

  	
   

  	
  1.2424

  	
   

  
	
  68

  	
   

  	
  1.3755

  	
   

  	
  1.3640

  	
   

  	
  1.3522

  	
   

  	
  1.3403

  	
   

  	
  1.3281

  	
   

  	
  1.3158

  	
   

  	
  1.3033

  	
   

  	
  1.2907

  	
   

  	
  1.2780

  	
   

  	
  1.2653

  	
   

  
	
  69

  	
   

  	
  1.4069

  	
   

  	
  1.3948

  	
   

  	
  1.3824

  	
   

  	
  1.3698

  	
   

  	
  1.3569

  	
   

  	
  1.3439

  	
   

  	
  1.3306

  	
   

  	
  1.3173

  	
   

  	
  1.3038

  	
   

  	
  1.2902

  	
   

  
	
  70

  	
   

  	
  1.4412

  	
   

  	
  1.4284

  	
   

  	
  1.4154

  	
   

  	
  1.4020

  	
   

  	
  1.3884

  	
   

  	
  1.3746

  	
   

  	
  1.3606

  	
   

  	
  1.3464

  	
   

  	
  1.3320

  	
   

  	
  1.3176

  	
   

  



 


4





















 


	
  EMPLOYEE’S

  	
   

  	
  BENEFICIARY’S AGE

  	
   

  
	
  AGE

  	
   

  	
  60

  	
   

  	
  61

  	
   

  	
  62

  	
   

  	
  63

  	
   

  	
  64

  	
   

  	
  65

  	
   

  	
  66

  	
   

  	
  67

  	
   

  	
  68

  	
   

  	
  69

  	
   

  
	
  20

  	
   

  	
  1.0027

  	
   

  	
  1.0025

  	
   

  	
  1.0023

  	
   

  	
  1.0021

  	
   

  	
  1.0020

  	
   

  	
  1.0018

  	
   

  	
  1.0017

  	
   

  	
  1.0015

  	
   

  	
  1.0014

  	
   

  	
  1.0013

  	
   

  
	
  21

  	
   

  	
  1.0029

  	
   

  	
  1.0026

  	
   

  	
  1.0024

  	
   

  	
  1.0023

  	
   

  	
  1.0021

  	
   

  	
  1.0019

  	
   

  	
  1.0018

  	
   

  	
  1.0016

  	
   

  	
  1.0015

  	
   

  	
  1.0014

  	
   

  
	
  22

  	
   

  	
  1.0031

  	
   

  	
  1.0028

  	
   

  	
  1.0026

  	
   

  	
  1.0024

  	
   

  	
  1.0022

  	
   

  	
  1.0021

  	
   

  	
  1.0019

  	
   

  	
  1.0017

  	
   

  	
  1.0016

  	
   

  	
  1.0015

  	
   

  
	
  23

  	
   

  	
  1.0033

  	
   

  	
  1.0031

  	
   

  	
  1.0028

  	
   

  	
  1.0026

  	
   

  	
  1.0024

  	
   

  	
  1.0022

  	
   

  	
  1.0020

  	
   

  	
  1.0019

  	
   

  	
  1.0017

  	
   

  	
  1.0016

  	
   

  
	
  24

  	
   

  	
  1.0036

  	
   

  	
  1.0033

  	
   

  	
  1.0031

  	
   

  	
  1.0028

  	
   

  	
  1.0026

  	
   

  	
  1.0024

  	
   

  	
  1.0022

  	
   

  	
  1.0020

  	
   

  	
  1.0018

  	
   

  	
  1.0017

  	
   

  
	
  25

  	
   

  	
  1.0039

  	
   

  	
  1.0036

  	
   

  	
  1.0033

  	
   

  	
  1.0031

  	
   

  	
  1.0028

  	
   

  	
  1.0026

  	
   

  	
  1.0024

  	
   

  	
  1.0022

  	
   

  	
  1.0020

  	
   

  	
  1.0018

  	
   

  
	
  26

  	
   

  	
  1.0042

  	
   

  	
  1.0039

  	
   

  	
  1.0036

  	
   

  	
  1.0033

  	
   

  	
  1.0030

  	
   

  	
  1.0028

  	
   

  	
  1.0026

  	
   

  	
  1.0023

  	
   

  	
  1.0021

  	
   

  	
  1.0019

  	
   

  
	
  27

  	
   

  	
  1.0046

  	
   

  	
  1.0043

  	
   

  	
  1.0039

  	
   

  	
  1.0036

  	
   

  	
  1.0033

  	
   

  	
  1.0030

  	
   

  	
  1.0028

  	
   

  	
  1.0025

  	
   

  	
  1.0023

  	
   

  	
  1.0021

  	
   

  
	
  28

  	
   

  	
  1.0051

  	
   

  	
  1.0047

  	
   

  	
  1.0043

  	
   

  	
  1.0039

  	
   

  	
  1.0036

  	
   

  	
  1.0033

  	
   

  	
  1.0030

  	
   

  	
  1.0028

  	
   

  	
  1.0025

  	
   

  	
  1.0023

  	
   

  
	
  29

  	
   

  	
  1.0055

  	
   

  	
  1.0051

  	
   

  	
  1.0047

  	
   

  	
  1.0043

  	
   

  	
  1.0040

  	
   

  	
  1.0036

  	
   

  	
  1.0033

  	
   

  	
  1.0030

  	
   

  	
  1.0027

  	
   

  	
  1.0025

  	
   

  
	
  30

  	
   

  	
  1.0061

  	
   

  	
  1.0056

  	
   

  	
  1.0052

  	
   

  	
  1.0047

  	
   

  	
  1.0043

  	
   

  	
  1.0040

  	
   

  	
  1.0036

  	
   

  	
  1.0033

  	
   

  	
  1.0030

  	
   

  	
  1.0027

  	
   

  
	
  31

  	
   

  	
  1.0067

  	
   

  	
  1.0062

  	
   

  	
  1.0057

  	
   

  	
  1.0052

  	
   

  	
  1.0048

  	
   

  	
  1.0044

  	
   

  	
  1.0040

  	
   

  	
  1.0036

  	
   

  	
  1.0033

  	
   

  	
  1.0030

  	
   

  
	
  32

  	
   

  	
  1.0074

  	
   

  	
  1.0068

  	
   

  	
  1.0063

  	
   

  	
  1.0057

  	
   

  	
  1.0053

  	
   

  	
  1.0048

  	
   

  	
  1.0044

  	
   

  	
  1.0040

  	
   

  	
  1.0036

  	
   

  	
  1.0033

  	
   

  
	
  33

  	
   

  	
  1.0082

  	
   

  	
  1.0075

  	
   

  	
  1.0069

  	
   

  	
  1.0063

  	
   

  	
  1.0058

  	
   

  	
  1.0053

  	
   

  	
  1.0048

  	
   

  	
  1.0044

  	
   

  	
  1.0040

  	
   

  	
  1.0036

  	
   

  
	
  34

  	
   

  	
  1.0090

  	
   

  	
  1.0083

  	
   

  	
  1.0077

  	
   

  	
  1.0070

  	
   

  	
  1.0064

  	
   

  	
  1.0059

  	
   

  	
  1.0054

  	
   

  	
  1.0049

  	
   

  	
  1.0044

  	
   

  	
  1.0040

  	
   

  
	
  35

  	
   

  	
  1.0100

  	
   

  	
  1.0092

  	
   

  	
  1.0085

  	
   

  	
  1.0078

  	
   

  	
  1.0071

  	
   

  	
  1.0065

  	
   

  	
  1.0059

  	
   

  	
  1.0054

  	
   

  	
  1.0049

  	
   

  	
  1.0044

  	
   

  
	
  36

  	
   

  	
  1.0111

  	
   

  	
  1.0102

  	
   

  	
  1.0094

  	
   

  	
  1.0086

  	
   

  	
  1.0079

  	
   

  	
  1.0072

  	
   

  	
  1.0066

  	
   

  	
  1.0060

  	
   

  	
  1.0055

  	
   

  	
  1.0049

  	
   

  
	
  37

  	
   

  	
  1.0123

  	
   

  	
  1.0113

  	
   

  	
  1.0104

  	
   

  	
  1.0096

  	
   

  	
  1.0088

  	
   

  	
  1.0080

  	
   

  	
  1.0073

  	
   

  	
  1.0067

  	
   

  	
  1.0061

  	
   

  	
  1.0055

  	
   

  
	
  38

  	
   

  	
  1.0137

  	
   

  	
  1.0126

  	
   

  	
  1.0116

  	
   

  	
  1.0107

  	
   

  	
  1.0098

  	
   

  	
  1.0090

  	
   

  	
  1.0082

  	
   

  	
  1.0074

  	
   

  	
  1.0068

  	
   

  	
  1.0061

  	
   

  
	
  39

  	
   

  	
  1.0152

  	
   

  	
  1.0140

  	
   

  	
  1.0129

  	
   

  	
  1.0119

  	
   

  	
  1.0109

  	
   

  	
  1.0100

  	
   

  	
  1.0091

  	
   

  	
  1.0083

  	
   

  	
  1.0076

  	
   

  	
  1.0068

  	
   

  
	
  40

  	
   

  	
  1.0169

  	
   

  	
  1.0156

  	
   

  	
  1.0144

  	
   

  	
  1.0132

  	
   

  	
  1.0122

  	
   

  	
  1.0111

  	
   

  	
  1.0102

  	
   

  	
  1.0093

  	
   

  	
  1.0084

  	
   

  	
  1.0077

  	
   

  
	
  41

  	
   

  	
  1.0188

  	
   

  	
  1.0173

  	
   

  	
  1.0160

  	
   

  	
  1.0148

  	
   

  	
  1.0136

  	
   

  	
  1.0124

  	
   

  	
  1.0114

  	
   

  	
  1.0104

  	
   

  	
  1.0095

  	
   

  	
  1.0086

  	
   

  
	
  42

  	
   

  	
  1.0209

  	
   

  	
  1.0193

  	
   

  	
  1.0178

  	
   

  	
  1.0164

  	
   

  	
  1.0151

  	
   

  	
  1.0139

  	
   

  	
  1.0127

  	
   

  	
  1.0116

  	
   

  	
  1.0106

  	
   

  	
  1.0096

  	
   

  
	
  43

  	
   

  	
  1.0232

  	
   

  	
  1.0215

  	
   

  	
  1.0199

  	
   

  	
  1.0183

  	
   

  	
  1.0169

  	
   

  	
  1.0155

  	
   

  	
  1.0142

  	
   

  	
  1.0130

  	
   

  	
  1.0119

  	
   

  	
  1.0108

  	
   

  
	
  44

  	
   

  	
  1.0257

  	
   

  	
  1.0239

  	
   

  	
  1.0221

  	
   

  	
  1.0204

  	
   

  	
  1.0188

  	
   

  	
  1.0173

  	
   

  	
  1.0159

  	
   

  	
  1.0145

  	
   

  	
  1.0132

  	
   

  	
  1.0121

  	
   

  
	
  45

  	
   

  	
  1.0285

  	
   

  	
  1.0265

  	
   

  	
  1.0245

  	
   

  	
  1.0227

  	
   

  	
  1.0209

  	
   

  	
  1.0192

  	
   

  	
  1.0177

  	
   

  	
  1.0162

  	
   

  	
  1.0148

  	
   

  	
  1.0135

  	
   

  
	
  46

  	
   

  	
  1.0316

  	
   

  	
  1.0293

  	
   

  	
  1.0272

  	
   

  	
  1.0251

  	
   

  	
  1.0232

  	
   

  	
  1.0214

  	
   

  	
  1.0196

  	
   

  	
  1.0180

  	
   

  	
  1.0165

  	
   

  	
  1.0150

  	
   

  
	
  47

  	
   

  	
  1.0349

  	
   

  	
  1.0324

  	
   

  	
  1.0301

  	
   

  	
  1.0278

  	
   

  	
  1.0257

  	
   

  	
  1.0237

  	
   

  	
  1.0218

  	
   

  	
  1.0200

  	
   

  	
  1.0183

  	
   

  	
  1.0167

  	
   

  
	
  48

  	
   

  	
  1.0385

  	
   

  	
  1.0358

  	
   

  	
  1.0332

  	
   

  	
  1.0308

  	
   

  	
  1.0285

  	
   

  	
  1.0263

  	
   

  	
  1.0242

  	
   

  	
  1.0222

  	
   

  	
  1.0203

  	
   

  	
  1.0185

  	
   

  
	
  49

  	
   

  	
  1.0424

  	
   

  	
  1.0395

  	
   

  	
  1.0367

  	
   

  	
  1.0340

  	
   

  	
  1.0315

  	
   

  	
  1.0290

  	
   

  	
  1.0267

  	
   

  	
  1.0246

  	
   

  	
  1.0225

  	
   

  	
  1.0206

  	
   

  
	
  50

  	
   

  	
  1.0467

  	
   

  	
  1.0435

  	
   

  	
  1.0405

  	
   

  	
  1.0375

  	
   

  	
  1.0347

  	
   

  	
  1.0321

  	
   

  	
  1.0296

  	
   

  	
  1.0272

  	
   

  	
  1.0249

  	
   

  	
  1.0228

  	
   

  
	
  51

  	
   

  	
  1.0514

  	
   

  	
  1.0479

  	
   

  	
  1.0446

  	
   

  	
  1.0414

  	
   

  	
  1.0383

  	
   

  	
  1.0354

  	
   

  	
  1.0326

  	
   

  	
  1.0300

  	
   

  	
  1.0275

  	
   

  	
  1.0252

  	
   

  
	
  52

  	
   

  	
  1.0565

  	
   

  	
  1.0527

  	
   

  	
  1.0491

  	
   

  	
  1.0456

  	
   

  	
  1.0422

  	
   

  	
  1.0391

  	
   

  	
  1.0360

  	
   

  	
  1.0331

  	
   

  	
  1.0304

  	
   

  	
  1.0278

  	
   

  
	
  53

  	
   

  	
  1.0621

  	
   

  	
  1.0580

  	
   

  	
  1.0540

  	
   

  	
  1.0502

  	
   

  	
  1.0465

  	
   

  	
  1.0430

  	
   

  	
  1.0397

  	
   

  	
  1.0366

  	
   

  	
  1.0336

  	
   

  	
  1.0307

  	
   

  
	
  54

  	
   

  	
  1.0682

  	
   

  	
  1.0637

  	
   

  	
  1.0594

  	
   

  	
  1.0552

  	
   

  	
  1.0513

  	
   

  	
  1.0474

  	
   

  	
  1.0438

  	
   

  	
  1.0403

  	
   

  	
  1.0370

  	
   

  	
  1.0339

  	
   

  
	
  55

  	
   

  	
  1.0749

  	
   

  	
  1.0700

  	
   

  	
  1.0653

  	
   

  	
  1.0608

  	
   

  	
  1.0564

  	
   

  	
  1.0523

  	
   

  	
  1.0483

  	
   

  	
  1.0445

  	
   

  	
  1.0409

  	
   

  	
  1.0375

  	
   

  
	
  56

  	
   

  	
  1.0822

  	
   

  	
  1.0769

  	
   

  	
  1.0718

  	
   

  	
  1.0669

  	
   

  	
  1.0622

  	
   

  	
  1.0576

  	
   

  	
  1.0533

  	
   

  	
  1.0491

  	
   

  	
  1.0451

  	
   

  	
  1.0414

  	
   

  
	
  57

  	
   

  	
  1.0902

  	
   

  	
  1.0845

  	
   

  	
  1.0790

  	
   

  	
  1.0736

  	
   

  	
  1.0685

  	
   

  	
  1.0635

  	
   

  	
  1.0588

  	
   

  	
  1.0542

  	
   

  	
  1.0499

  	
   

  	
  1.0457

  	
   

  
	
  58

  	
   

  	
  1.0990

  	
   

  	
  1.0929

  	
   

  	
  1.0869

  	
   

  	
  1.0811

  	
   

  	
  1.0755

  	
   

  	
  1.0701

  	
   

  	
  1.0649

  	
   

  	
  1.0599

  	
   

  	
  1.0551

  	
   

  	
  1.0506

  	
   

  
	
  59

  	
   

  	
  1.1088

  	
   

  	
  1.1021

  	
   

  	
  1.0956

  	
   

  	
  1.0893

  	
   

  	
  1.0832

  	
   

  	
  1.0774

  	
   

  	
  1.0717

  	
   

  	
  1.0662

  	
   

  	
  1.0610

  	
   

  	
  1.0561

  	
   

  
	
  60

  	
   

  	
  1.1195

  	
   

  	
  1.1123

  	
   

  	
  1.1053

  	
   

  	
  1.0985

  	
   

  	
  1.0919

  	
   

  	
  1.0854

  	
   

  	
  1.0793

  	
   

  	
  1.0733

  	
   

  	
  1.0676

  	
   

  	
  1.0622

  	
   

  
	
  61

  	
   

  	
  1.1313

  	
   

  	
  1.1236

  	
   

  	
  1.1160

  	
   

  	
  1.1086

  	
   

  	
  1.1014

  	
   

  	
  1.0944

  	
   

  	
  1.0877

  	
   

  	
  1.0812

  	
   

  	
  1.0750

  	
   

  	
  1.0690

  	
   

  
	
  62

  	
   

  	
  1.1443

  	
   

  	
  1.1360

  	
   

  	
  1.1278

  	
   

  	
  1.1198

  	
   

  	
  1.1120

  	
   

  	
  1.1045

  	
   

  	
  1.0971

  	
   

  	
  1.0900

  	
   

  	
  1.0832

  	
   

  	
  1.0766

  	
   

  
	
  63

  	
   

  	
  1.1586

  	
   

  	
  1.1497

  	
   

  	
  1.1408

  	
   

  	
  1.1322

  	
   

  	
  1.1238

  	
   

  	
  1.1156

  	
   

  	
  1.1076

  	
   

  	
  1.0998

  	
   

  	
  1.0924

  	
   

  	
  1.0852

  	
   

  
	
  64

  	
   

  	
  1.1743

  	
   

  	
  1.1647

  	
   

  	
  1.1552

  	
   

  	
  1.1459

  	
   

  	
  1.1367

  	
   

  	
  1.1278

  	
   

  	
  1.1192

  	
   

  	
  1.1107

  	
   

  	
  1.1026

  	
   

  	
  1.0947

  	
   

  
	
  65

  	
   

  	
  1.1915

  	
   

  	
  1.1812

  	
   

  	
  1.1710

  	
   

  	
  1.1609

  	
   

  	
  1.1510

  	
   

  	
  1.1414

  	
   

  	
  1.1320

  	
   

  	
  1.1228

  	
   

  	
  1.1139

  	
   

  	
  1.1053

  	
   

  
	
  66

  	
   

  	
  1.2102

  	
   

  	
  1.1991

  	
   

  	
  1.1882

  	
   

  	
  1.1773

  	
   

  	
  1.1667

  	
   

  	
  1.1562

  	
   

  	
  1.1460

  	
   

  	
  1.1361

  	
   

  	
  1.1264

  	
   

  	
  1.1170

  	
   

  
	
  67

  	
   

  	
  1.2305

  	
   

  	
  1.2186

  	
   

  	
  1.2068

  	
   

  	
  1.1952

  	
   

  	
  1.1837

  	
   

  	
  1.1724

  	
   

  	
  1.1614

  	
   

  	
  1.1506

  	
   

  	
  1.1400

  	
   

  	
  1.1298

  	
   

  
	
  68

  	
   

  	
  1.2525

  	
   

  	
  1.2398

  	
   

  	
  1.2272

  	
   

  	
  1.2147

  	
   

  	
  1.2023

  	
   

  	
  1.1901

  	
   

  	
  1.1782

  	
   

  	
  1.1665

  	
   

  	
  1.1550

  	
   

  	
  1.1439

  	
   

  
	
  69

  	
   

  	
  1.2766

  	
   

  	
  1.2630

  	
   

  	
  1.2495

  	
   

  	
  1.2361

  	
   

  	
  1.2228

  	
   

  	
  1.2097

  	
   

  	
  1.1967

  	
   

  	
  1.1841

  	
   

  	
  1.1716

  	
   

  	
  1.1595

  	
   

  
	
  70

  	
   

  	
  1.3031

  	
   

  	
  1.2886

  	
   

  	
  1.2741

  	
   

  	
  1.2597

  	
   

  	
  1.2454

  	
   

  	
  1.2313

  	
   

  	
  1.2173

  	
   

  	
  1.2036

  	
   

  	
  1.1901

  	
   

  	
  1.1770

  	
   

  



 


5





















 


	
  EMPLOYEE’S

  	
   

  	
  BENEFICIARY’S AGE

  	
   

  
	
  AGE

  	
   

  	
  70

  	
   

  	
  71

  	
   

  	
  72

  	
   

  	
  73

  	
   

  	
  74

  	
   

  	
  75

  	
   

  	
  76

  	
   

  	
  77

  	
   

  	
  78

  	
   

  	
  79

  	
   

  
	
  20

  	
   

  	
  1.0012

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  
	
  21

  	
   

  	
  1.0013

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  
	
  22

  	
   

  	
  1.0013

  	
   

  	
  1.0012

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0006

  	
   

  
	
  23

  	
   

  	
  1.0014

  	
   

  	
  1.0013

  	
   

  	
  1.0012

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  
	
  24

  	
   

  	
  1.0015

  	
   

  	
  1.0014

  	
   

  	
  1.0013

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  
	
  25

  	
   

  	
  1.0016

  	
   

  	
  1.0015

  	
   

  	
  1.0014

  	
   

  	
  1.0012

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0007

  	
   

  
	
  26

  	
   

  	
  1.0018

  	
   

  	
  1.0016

  	
   

  	
  1.0015

  	
   

  	
  1.0013

  	
   

  	
  1.0012

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  
	
  27

  	
   

  	
  1.0019

  	
   

  	
  1.0017

  	
   

  	
  1.0016

  	
   

  	
  1.0014

  	
   

  	
  1.0013

  	
   

  	
  1.0012

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0008

  	
   

  
	
  28

  	
   

  	
  1.0021

  	
   

  	
  1.0019

  	
   

  	
  1.0017

  	
   

  	
  1.0015

  	
   

  	
  1.0014

  	
   

  	
  1.0013

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  
	
  29

  	
   

  	
  1.0023

  	
   

  	
  1.0020

  	
   

  	
  1.0018

  	
   

  	
  1.0017

  	
   

  	
  1.0015

  	
   

  	
  1.0014

  	
   

  	
  1.0012

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  
	
  30

  	
   

  	
  1.0025

  	
   

  	
  1.0022

  	
   

  	
  1.0020

  	
   

  	
  1.0018

  	
   

  	
  1.0016

  	
   

  	
  1.0015

  	
   

  	
  1.0013

  	
   

  	
  1.0012

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  
	
  31

  	
   

  	
  1.0027

  	
   

  	
  1.0024

  	
   

  	
  1.0022

  	
   

  	
  1.0020

  	
   

  	
  1.0018

  	
   

  	
  1.0016

  	
   

  	
  1.0014

  	
   

  	
  1.0013

  	
   

  	
  1.0012

  	
   

  	
  1.0010

  	
   

  
	
  32

  	
   

  	
  1.0030

  	
   

  	
  1.0027

  	
   

  	
  1.0024

  	
   

  	
  1.0022

  	
   

  	
  1.0020

  	
   

  	
  1.0018

  	
   

  	
  1.0016

  	
   

  	
  1.0014

  	
   

  	
  1.0013

  	
   

  	
  1.0011

  	
   

  
	
  33

  	
   

  	
  1.0033

  	
   

  	
  1.0030

  	
   

  	
  1.0027

  	
   

  	
  1.0024

  	
   

  	
  1.0022

  	
   

  	
  1.0019

  	
   

  	
  1.0017

  	
   

  	
  1.0016

  	
   

  	
  1.0014

  	
   

  	
  1.0012

  	
   

  
	
  34

  	
   

  	
  1.0036

  	
   

  	
  1.0033

  	
   

  	
  1.0029

  	
   

  	
  1.0026

  	
   

  	
  1.0024

  	
   

  	
  1.0021

  	
   

  	
  1.0019

  	
   

  	
  1.0017

  	
   

  	
  1.0015

  	
   

  	
  1.0014

  	
   

  
	
  35

  	
   

  	
  1.0040

  	
   

  	
  1.0036

  	
   

  	
  1.0033

  	
   

  	
  1.0029

  	
   

  	
  1.0026

  	
   

  	
  1.0024

  	
   

  	
  1.0021

  	
   

  	
  1.0019

  	
   

  	
  1.0017

  	
   

  	
  1.0015

  	
   

  
	
  36

  	
   

  	
  1.0045

  	
   

  	
  1.0040

  	
   

  	
  1.0036

  	
   

  	
  1.0033

  	
   

  	
  1.0029

  	
   

  	
  1.0026

  	
   

  	
  1.0023

  	
   

  	
  1.0021

  	
   

  	
  1.0019

  	
   

  	
  1.0017

  	
   

  
	
  37

  	
   

  	
  1.0050

  	
   

  	
  1.0045

  	
   

  	
  1.0040

  	
   

  	
  1.0036

  	
   

  	
  1.0032

  	
   

  	
  1.0029

  	
   

  	
  1.0026

  	
   

  	
  1.0023

  	
   

  	
  1.0021

  	
   

  	
  1.0019

  	
   

  
	
  38

  	
   

  	
  1.0055

  	
   

  	
  1.0050

  	
   

  	
  1.0045

  	
   

  	
  1.0040

  	
   

  	
  1.0036

  	
   

  	
  1.0033

  	
   

  	
  1.0029

  	
   

  	
  1.0026

  	
   

  	
  1.0023

  	
   

  	
  1.0021

  	
   

  
	
  39

  	
   

  	
  1.0062

  	
   

  	
  1.0056

  	
   

  	
  1.0050

  	
   

  	
  1.0045

  	
   

  	
  1.0041

  	
   

  	
  1.0036

  	
   

  	
  1.0033

  	
   

  	
  1.0029

  	
   

  	
  1.0026

  	
   

  	
  1.0023

  	
   

  
	
  40

  	
   

  	
  1.0069

  	
   

  	
  1.0063

  	
   

  	
  1.0056

  	
   

  	
  1.0051

  	
   

  	
  1.0046

  	
   

  	
  1.0041

  	
   

  	
  1.0037

  	
   

  	
  1.0033

  	
   

  	
  1.0029

  	
   

  	
  1.0026

  	
   

  
	
  41

  	
   

  	
  1.0078

  	
   

  	
  1.0070

  	
   

  	
  1.0063

  	
   

  	
  1.0057

  	
   

  	
  1.0051

  	
   

  	
  1.0046

  	
   

  	
  1.0041

  	
   

  	
  1.0037

  	
   

  	
  1.0033

  	
   

  	
  1.0030

  	
   

  
	
  42

  	
   

  	
  1.0087

  	
   

  	
  1.0079

  	
   

  	
  1.0071

  	
   

  	
  1.0064

  	
   

  	
  1.0058

  	
   

  	
  1.0052

  	
   

  	
  1.0047

  	
   

  	
  1.0042

  	
   

  	
  1.0037

  	
   

  	
  1.0033

  	
   

  
	
  43

  	
   

  	
  1.0098

  	
   

  	
  1.0089

  	
   

  	
  1.0080

  	
   

  	
  1.0072

  	
   

  	
  1.0065

  	
   

  	
  1.0059

  	
   

  	
  1.0053

  	
   

  	
  1.0047

  	
   

  	
  1.0042

  	
   

  	
  1.0038

  	
   

  
	
  44

  	
   

  	
  1.0110

  	
   

  	
  1.0099

  	
   

  	
  1.0090

  	
   

  	
  1.0081

  	
   

  	
  1.0073

  	
   

  	
  1.0066

  	
   

  	
  1.0059

  	
   

  	
  1.0053

  	
   

  	
  1.0048

  	
   

  	
  1.0043

  	
   

  
	
  45

  	
   

  	
  1.0122

  	
   

  	
  1.0111

  	
   

  	
  1.0101

  	
   

  	
  1.0091

  	
   

  	
  1.0082

  	
   

  	
  1.0074

  	
   

  	
  1.0067

  	
   

  	
  1.0060

  	
   

  	
  1.0054

  	
   

  	
  1.0048

  	
   

  
	
  46

  	
   

  	
  1.0137

  	
   

  	
  1.0124

  	
   

  	
  1.0112

  	
   

  	
  1.0102

  	
   

  	
  1.0092

  	
   

  	
  1.0083

  	
   

  	
  1.0075

  	
   

  	
  1.0067

  	
   

  	
  1.0060

  	
   

  	
  1.0054

  	
   

  
	
  47

  	
   

  	
  1.0152

  	
   

  	
  1.0138

  	
   

  	
  1.0125

  	
   

  	
  1.0113

  	
   

  	
  1.0103

  	
   

  	
  1.0093

  	
   

  	
  1.0083

  	
   

  	
  1.0075

  	
   

  	
  1.0068

  	
   

  	
  1.0061

  	
   

  
	
  48

  	
   

  	
  1.0169

  	
   

  	
  1.0154

  	
   

  	
  1.0139

  	
   

  	
  1.0126

  	
   

  	
  1.0114

  	
   

  	
  1.0103

  	
   

  	
  1.0093

  	
   

  	
  1.0084

  	
   

  	
  1.0075

  	
   

  	
  1.0068

  	
   

  
	
  49

  	
   

  	
  1.0187

  	
   

  	
  1.0170

  	
   

  	
  1.0155

  	
   

  	
  1.0140

  	
   

  	
  1.0127

  	
   

  	
  1.0115

  	
   

  	
  1.0104

  	
   

  	
  1.0093

  	
   

  	
  1.0084

  	
   

  	
  1.0076

  	
   

  
	
  50

  	
   

  	
  1.0208

  	
   

  	
  1.0189

  	
   

  	
  1.0172

  	
   

  	
  1.0156

  	
   

  	
  1.0141

  	
   

  	
  1.0127

  	
   

  	
  1.0115

  	
   

  	
  1.0104

  	
   

  	
  1.0093

  	
   

  	
  1.0084

  	
   

  
	
  51

  	
   

  	
  1.0230

  	
   

  	
  1.0209

  	
   

  	
  1.0190

  	
   

  	
  1.0172

  	
   

  	
  1.0156

  	
   

  	
  1.0141

  	
   

  	
  1.0128

  	
   

  	
  1.0115

  	
   

  	
  1.0104

  	
   

  	
  1.0093

  	
   

  
	
  52

  	
   

  	
  1.0254

  	
   

  	
  1.0231

  	
   

  	
  1.0210

  	
   

  	
  1.0191

  	
   

  	
  1.0173

  	
   

  	
  1.0156

  	
   

  	
  1.0141

  	
   

  	
  1.0128

  	
   

  	
  1.0115

  	
   

  	
  1.0103

  	
   

  
	
  53

  	
   

  	
  1.0280

  	
   

  	
  1.0255

  	
   

  	
  1.0232

  	
   

  	
  1.0211

  	
   

  	
  1.0191

  	
   

  	
  1.0173

  	
   

  	
  1.0156

  	
   

  	
  1.0141

  	
   

  	
  1.0127

  	
   

  	
  1.0115

  	
   

  
	
  54

  	
   

  	
  1.0310

  	
   

  	
  1.0282

  	
   

  	
  1.0257

  	
   

  	
  1.0233

  	
   

  	
  1.0211

  	
   

  	
  1.0191

  	
   

  	
  1.0173

  	
   

  	
  1.0156

  	
   

  	
  1.0141

  	
   

  	
  1.0127

  	
   

  
	
  55

  	
   

  	
  1.0342

  	
   

  	
  1.0312

  	
   

  	
  1.0284

  	
   

  	
  1.0258

  	
   

  	
  1.0234

  	
   

  	
  1.0212

  	
   

  	
  1.0192

  	
   

  	
  1.0173

  	
   

  	
  1.0156

  	
   

  	
  1.0140

  	
   

  
	
  56

  	
   

  	
  1.0378

  	
   

  	
  1.0345

  	
   

  	
  1.0314

  	
   

  	
  1.0285

  	
   

  	
  1.0259

  	
   

  	
  1.0234

  	
   

  	
  1.0212

  	
   

  	
  1.0191

  	
   

  	
  1.0173

  	
   

  	
  1.0156

  	
   

  
	
  57

  	
   

  	
  1.0418

  	
   

  	
  1.0382

  	
   

  	
  1.0348

  	
   

  	
  1.0316

  	
   

  	
  1.0287

  	
   

  	
  1.0260

  	
   

  	
  1.0235

  	
   

  	
  1.0212

  	
   

  	
  1.0191

  	
   

  	
  1.0172

  	
   

  
	
  58

  	
   

  	
  1.0463

  	
   

  	
  1.0423

  	
   

  	
  1.0385

  	
   

  	
  1.0350

  	
   

  	
  1.0318

  	
   

  	
  1.0288

  	
   

  	
  1.0261

  	
   

  	
  1.0236

  	
   

  	
  1.0213

  	
   

  	
  1.0192

  	
   

  
	
  59

  	
   

  	
  1.0513

  	
   

  	
  1.0469

  	
   

  	
  1.0428

  	
   

  	
  1.0389

  	
   

  	
  1.0353

  	
   

  	
  1.0320

  	
   

  	
  1.0290

  	
   

  	
  1.0262

  	
   

  	
  1.0237

  	
   

  	
  1.0213

  	
   

  
	
  60

  	
   

  	
  1.0570

  	
   

  	
  1.0521

  	
   

  	
  1.0475

  	
   

  	
  1.0433

  	
   

  	
  1.0393

  	
   

  	
  1.0357

  	
   

  	
  1.0323

  	
   

  	
  1.0292

  	
   

  	
  1.0264

  	
   

  	
  1.0238

  	
   

  
	
  61

  	
   

  	
  1.0633

  	
   

  	
  1.0579

  	
   

  	
  1.0529

  	
   

  	
  1.0482

  	
   

  	
  1.0438

  	
   

  	
  1.0398

  	
   

  	
  1.0361

  	
   

  	
  1.0326

  	
   

  	
  1.0295

  	
   

  	
  1.0266

  	
   

  
	
  62

  	
   

  	
  1.0704

  	
   

  	
  1.0645

  	
   

  	
  1.0589

  	
   

  	
  1.0537

  	
   

  	
  1.0489

  	
   

  	
  1.0445

  	
   

  	
  1.0403

  	
   

  	
  1.0365

  	
   

  	
  1.0330

  	
   

  	
  1.0298

  	
   

  
	
  63

  	
   

  	
  1.0783

  	
   

  	
  1.0718

  	
   

  	
  1.0657

  	
   

  	
  1.0600

  	
   

  	
  1.0547

  	
   

  	
  1.0497

  	
   

  	
  1.0451

  	
   

  	
  1.0409

  	
   

  	
  1.0370

  	
   

  	
  1.0334

  	
   

  
	
  64

  	
   

  	
  1.0872

  	
   

  	
  1.0801

  	
   

  	
  1.0733

  	
   

  	
  1.0670

  	
   

  	
  1.0611

  	
   

  	
  1.0557

  	
   

  	
  1.0506

  	
   

  	
  1.0459

  	
   

  	
  1.0415

  	
   

  	
  1.0375

  	
   

  
	
  65

  	
   

  	
  1.0971

  	
   

  	
  1.0892

  	
   

  	
  1.0818

  	
   

  	
  1.0749

  	
   

  	
  1.0684

  	
   

  	
  1.0623

  	
   

  	
  1.0567

  	
   

  	
  1.0515

  	
   

  	
  1.0466

  	
   

  	
  1.0422

  	
   

  
	
  66

  	
   

  	
  1.1080

  	
   

  	
  1.0994

  	
   

  	
  1.0912

  	
   

  	
  1.0836

  	
   

  	
  1.0764

  	
   

  	
  1.0697

  	
   

  	
  1.0635

  	
   

  	
  1.0577

  	
   

  	
  1.0524

  	
   

  	
  1.0474

  	
   

  
	
  67

  	
   

  	
  1.1200

  	
   

  	
  1.1105

  	
   

  	
  1.1016

  	
   

  	
  1.0932

  	
   

  	
  1.0853

  	
   

  	
  1.0780

  	
   

  	
  1.0711

  	
   

  	
  1.0647

  	
   

  	
  1.0587

  	
   

  	
  1.0532

  	
   

  
	
  68

  	
   

  	
  1.1332

  	
   

  	
  1.1229

  	
   

  	
  1.1131

  	
   

  	
  1.1039

  	
   

  	
  1.0952

  	
   

  	
  1.0871

  	
   

  	
  1.0795

  	
   

  	
  1.0724

  	
   

  	
  1.0658

  	
   

  	
  1.0597

  	
   

  
	
  69

  	
   

  	
  1.1478

  	
   

  	
  1.1366

  	
   

  	
  1.1259

  	
   

  	
  1.1158

  	
   

  	
  1.1062

  	
   

  	
  1.0973

  	
   

  	
  1.0889

  	
   

  	
  1.0811

  	
   

  	
  1.0738

  	
   

  	
  1.0670

  	
   

  
	
  70

  	
   

  	
  1.1642

  	
   

  	
  1.1520

  	
   

  	
  1.1402

  	
   

  	
  1.1292

  	
   

  	
  1.1187

  	
   

  	
  1.1088

  	
   

  	
  1.0996

  	
   

  	
  1.0909

  	
   

  	
  1.0829

  	
   

  	
  1.0754

  	
   

  



 


6





















 


	
  EMPLOYEE’S

  	
   

  	
  BENEFICIARY’S AGE

  	
   

  
	
  AGE

  	
   

  	
  80

  	
   

  	
  81

  	
   

  	
  82

  	
   

  	
  83

  	
   

  	
  84

  	
   

  	
  85

  	
   

  	
  86

  	
   

  	
  87

  	
   

  	
  88

  	
   

  	
  89

  	
   

  
	
  20

  	
   

  	
  1.0004

  	
   

  	
  1.0004

  	
   

  	
  1.0004

  	
   

  	
  1.0003

  	
   

  	
  1.0003

  	
   

  	
  1.0003

  	
   

  	
  1.0002

  	
   

  	
  1.0002

  	
   

  	
  1.0002

  	
   

  	
  1.0002

  	
   

  
	
  21

  	
   

  	
  1.0005

  	
   

  	
  1.0004

  	
   

  	
  1.0004

  	
   

  	
  1.0003

  	
   

  	
  1.0003

  	
   

  	
  1.0003

  	
   

  	
  1.0002

  	
   

  	
  1.0002

  	
   

  	
  1.0002

  	
   

  	
  1.0002

  	
   

  
	
  22

  	
   

  	
  1.0005

  	
   

  	
  1.0005

  	
   

  	
  1.0004

  	
   

  	
  1.0004

  	
   

  	
  1.0003

  	
   

  	
  1.0003

  	
   

  	
  1.0003

  	
   

  	
  1.0002

  	
   

  	
  1.0002

  	
   

  	
  1.0002

  	
   

  
	
  23

  	
   

  	
  1.0005

  	
   

  	
  1.0005

  	
   

  	
  1.0004

  	
   

  	
  1.0004

  	
   

  	
  1.0003

  	
   

  	
  1.0003

  	
   

  	
  1.0003

  	
   

  	
  1.0002

  	
   

  	
  1.0002

  	
   

  	
  1.0002

  	
   

  
	
  24

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  	
  1.0005

  	
   

  	
  1.0004

  	
   

  	
  1.0004

  	
   

  	
  1.0003

  	
   

  	
  1.0003

  	
   

  	
  1.0003

  	
   

  	
  1.0002

  	
   

  	
  1.0002

  	
   

  
	
  25

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  	
  1.0005

  	
   

  	
  1.0004

  	
   

  	
  1.0004

  	
   

  	
  1.0003

  	
   

  	
  1.0003

  	
   

  	
  1.0003

  	
   

  	
  1.0002

  	
   

  	
  1.0002

  	
   

  
	
  26

  	
   

  	
  1.0006

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  	
  1.0005

  	
   

  	
  1.0004

  	
   

  	
  1.0004

  	
   

  	
  1.0003

  	
   

  	
  1.0003

  	
   

  	
  1.0003

  	
   

  	
  1.0002

  	
   

  
	
  27

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  	
  1.0004

  	
   

  	
  1.0004

  	
   

  	
  1.0004

  	
   

  	
  1.0003

  	
   

  	
  1.0003

  	
   

  	
  1.0002

  	
   

  
	
  28

  	
   

  	
  1.0007

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  	
  1.0005

  	
   

  	
  1.0004

  	
   

  	
  1.0004

  	
   

  	
  1.0003

  	
   

  	
  1.0003

  	
   

  	
  1.0003

  	
   

  
	
  29

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  	
  1.0005

  	
   

  	
  1.0004

  	
   

  	
  1.0004

  	
   

  	
  1.0003

  	
   

  	
  1.0003

  	
   

  
	
  30

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  	
  1.0004

  	
   

  	
  1.0004

  	
   

  	
  1.0003

  	
   

  	
  1.0003

  	
   

  
	
  31

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  	
  1.0005

  	
   

  	
  1.0004

  	
   

  	
  1.0004

  	
   

  	
  1.0003

  	
   

  
	
  32

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  	
  1.0005

  	
   

  	
  1.0004

  	
   

  	
  1.0004

  	
   

  
	
  33

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  	
  1.0004

  	
   

  	
  1.0004

  	
   

  
	
  34

  	
   

  	
  1.0012

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  	
  1.0005

  	
   

  	
  1.0004

  	
   

  
	
  35

  	
   

  	
  1.0013

  	
   

  	
  1.0012

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0008

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  	
  1.0005

  	
   

  
	
  36

  	
   

  	
  1.0015

  	
   

  	
  1.0013

  	
   

  	
  1.0012

  	
   

  	
  1.0011

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0006

  	
   

  	
  1.0005

  	
   

  
	
  37

  	
   

  	
  1.0017

  	
   

  	
  1.0015

  	
   

  	
  1.0013

  	
   

  	
  1.0012

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  	
  1.0006

  	
   

  
	
  38

  	
   

  	
  1.0018

  	
   

  	
  1.0016

  	
   

  	
  1.0015

  	
   

  	
  1.0013

  	
   

  	
  1.0012

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  	
  1.0006

  	
   

  
	
  39

  	
   

  	
  1.0021

  	
   

  	
  1.0018

  	
   

  	
  1.0016

  	
   

  	
  1.0015

  	
   

  	
  1.0013

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  	
  1.0007

  	
   

  
	
  40

  	
   

  	
  1.0023

  	
   

  	
  1.0021

  	
   

  	
  1.0018

  	
   

  	
  1.0016

  	
   

  	
  1.0015

  	
   

  	
  1.0013

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  	
  1.0008

  	
   

  
	
  41

  	
   

  	
  1.0026

  	
   

  	
  1.0023

  	
   

  	
  1.0021

  	
   

  	
  1.0019

  	
   

  	
  1.0016

  	
   

  	
  1.0015

  	
   

  	
  1.0013

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  	
  1.0009

  	
   

  
	
  42

  	
   

  	
  1.0030

  	
   

  	
  1.0027

  	
   

  	
  1.0024

  	
   

  	
  1.0021

  	
   

  	
  1.0019

  	
   

  	
  1.0017

  	
   

  	
  1.0015

  	
   

  	
  1.0013

  	
   

  	
  1.0011

  	
   

  	
  1.0010

  	
   

  
	
  43

  	
   

  	
  1.0034

  	
   

  	
  1.0030

  	
   

  	
  1.0027

  	
   

  	
  1.0024

  	
   

  	
  1.0021

  	
   

  	
  1.0019

  	
   

  	
  1.0017

  	
   

  	
  1.0015

  	
   

  	
  1.0013

  	
   

  	
  1.0011

  	
   

  
	
  44

  	
   

  	
  1.0038

  	
   

  	
  1.0034

  	
   

  	
  1.0030

  	
   

  	
  1.0027

  	
   

  	
  1.0024

  	
   

  	
  1.0021

  	
   

  	
  1.0019

  	
   

  	
  1.0017

  	
   

  	
  1.0015

  	
   

  	
  1.0013

  	
   

  
	
  45

  	
   

  	
  1.0043

  	
   

  	
  1.0039

  	
   

  	
  1.0034

  	
   

  	
  1.0031

  	
   

  	
  1.0027

  	
   

  	
  1.0024

  	
   

  	
  1.0021

  	
   

  	
  1.0019

  	
   

  	
  1.0017

  	
   

  	
  1.0015

  	
   

  
	
  46

  	
   

  	
  1.0048

  	
   

  	
  1.0043

  	
   

  	
  1.0039

  	
   

  	
  1.0035

  	
   

  	
  1.0031

  	
   

  	
  1.0027

  	
   

  	
  1.0024

  	
   

  	
  1.0021

  	
   

  	
  1.0019

  	
   

  	
  1.0017

  	
   

  
	
  47

  	
   

  	
  1.0054

  	
   

  	
  1.0049

  	
   

  	
  1.0044

  	
   

  	
  1.0039

  	
   

  	
  1.0035

  	
   

  	
  1.0031

  	
   

  	
  1.0027

  	
   

  	
  1.0024

  	
   

  	
  1.0021

  	
   

  	
  1.0019

  	
   

  
	
  48

  	
   

  	
  1.0061

  	
   

  	
  1.0055

  	
   

  	
  1.0049

  	
   

  	
  1.0044

  	
   

  	
  1.0039

  	
   

  	
  1.0035

  	
   

  	
  1.0031

  	
   

  	
  1.0027

  	
   

  	
  1.0024

  	
   

  	
  1.0021

  	
   

  
	
  49

  	
   

  	
  1.0068

  	
   

  	
  1.0061

  	
   

  	
  1.0054

  	
   

  	
  1.0049

  	
   

  	
  1.0043

  	
   

  	
  1.0039

  	
   

  	
  1.0034

  	
   

  	
  1.0031

  	
   

  	
  1.0027

  	
   

  	
  1.0024

  	
   

  
	
  50

  	
   

  	
  1.0076

  	
   

  	
  1.0068

  	
   

  	
  1.0061

  	
   

  	
  1.0054

  	
   

  	
  1.0049

  	
   

  	
  1.0043

  	
   

  	
  1.0038

  	
   

  	
  1.0034

  	
   

  	
  1.0030

  	
   

  	
  1.0027

  	
   

  
	
  51

  	
   

  	
  1.0084

  	
   

  	
  1.0075

  	
   

  	
  1.0067

  	
   

  	
  1.0060

  	
   

  	
  1.0054

  	
   

  	
  1.0048

  	
   

  	
  1.0043

  	
   

  	
  1.0038

  	
   

  	
  1.0034

  	
   

  	
  1.0030

  	
   

  
	
  52

  	
   

  	
  1.0093

  	
   

  	
  1.0084

  	
   

  	
  1.0075

  	
   

  	
  1.0067

  	
   

  	
  1.0060

  	
   

  	
  1.0053

  	
   

  	
  1.0048

  	
   

  	
  1.0042

  	
   

  	
  1.0037

  	
   

  	
  1.0033

  	
   

  
	
  53

  	
   

  	
  1.0103

  	
   

  	
  1.0093

  	
   

  	
  1.0083

  	
   

  	
  1.0074

  	
   

  	
  1.0066

  	
   

  	
  1.0059

  	
   

  	
  1.0053

  	
   

  	
  1.0047

  	
   

  	
  1.0042

  	
   

  	
  1.0037

  	
   

  
	
  54

  	
   

  	
  1.0114

  	
   

  	
  1.0102

  	
   

  	
  1.0092

  	
   

  	
  1.0082

  	
   

  	
  1.0074

  	
   

  	
  1.0066

  	
   

  	
  1.0059

  	
   

  	
  1.0052

  	
   

  	
  1.0046

  	
   

  	
  1.0041

  	
   

  
	
  55

  	
   

  	
  1.0126

  	
   

  	
  1.0113

  	
   

  	
  1.0102

  	
   

  	
  1.0091

  	
   

  	
  1.0082

  	
   

  	
  1.0073

  	
   

  	
  1.0065

  	
   

  	
  1.0058

  	
   

  	
  1.0051

  	
   

  	
  1.0045

  	
   

  
	
  56

  	
   

  	
  1.0140

  	
   

  	
  1.0126

  	
   

  	
  1.0113

  	
   

  	
  1.0101

  	
   

  	
  1.0090

  	
   

  	
  1.0081

  	
   

  	
  1.0072

  	
   

  	
  1.0064

  	
   

  	
  1.0057

  	
   

  	
  1.0050

  	
   

  
	
  57

  	
   

  	
  1.0155

  	
   

  	
  1.0139

  	
   

  	
  1.0125

  	
   

  	
  1.0112

  	
   

  	
  1.0100

  	
   

  	
  1.0089

  	
   

  	
  1.0080

  	
   

  	
  1.0071

  	
   

  	
  1.0063

  	
   

  	
  1.0056

  	
   

  
	
  58

  	
   

  	
  1.0172

  	
   

  	
  1.0155

  	
   

  	
  1.0139

  	
   

  	
  1.0124

  	
   

  	
  1.0111

  	
   

  	
  1.0099

  	
   

  	
  1.0088

  	
   

  	
  1.0079

  	
   

  	
  1.0070

  	
   

  	
  1.0062

  	
   

  
	
  59

  	
   

  	
  1.0192

  	
   

  	
  1.0172

  	
   

  	
  1.0155

  	
   

  	
  1.0139

  	
   

  	
  1.0124

  	
   

  	
  1.0111

  	
   

  	
  1.0099

  	
   

  	
  1.0088

  	
   

  	
  1.0078

  	
   

  	
  1.0069

  	
   

  
	
  60

  	
   

  	
  1.0214

  	
   

  	
  1.0192

  	
   

  	
  1.0173

  	
   

  	
  1.0155

  	
   

  	
  1.0138

  	
   

  	
  1.0124

  	
   

  	
  1.0110

  	
   

  	
  1.0098

  	
   

  	
  1.0087

  	
   

  	
  1.0077

  	
   

  
	
  61

  	
   

  	
  1.0239

  	
   

  	
  1.0215

  	
   

  	
  1.0193

  	
   

  	
  1.0173

  	
   

  	
  1.0155

  	
   

  	
  1.0138

  	
   

  	
  1.0123

  	
   

  	
  1.0110

  	
   

  	
  1.0097

  	
   

  	
  1.0086

  	
   

  
	
  62

  	
   

  	
  1.0268

  	
   

  	
  1.0241

  	
   

  	
  1.0217

  	
   

  	
  1.0195

  	
   

  	
  1.0174

  	
   

  	
  1.0155

  	
   

  	
  1.0139

  	
   

  	
  1.0123

  	
   

  	
  1.0109

  	
   

  	
  1.0097

  	
   

  
	
  63

  	
   

  	
  1.0301

  	
   

  	
  1.0271

  	
   

  	
  1.0244

  	
   

  	
  1.0219

  	
   

  	
  1.0196

  	
   

  	
  1.0175

  	
   

  	
  1.0156

  	
   

  	
  1.0139

  	
   

  	
  1.0123

  	
   

  	
  1.0109

  	
   

  
	
  64

  	
   

  	
  1.0339

  	
   

  	
  1.0305

  	
   

  	
  1.0275

  	
   

  	
  1.0247

  	
   

  	
  1.0221

  	
   

  	
  1.0198

  	
   

  	
  1.0176

  	
   

  	
  1.0157

  	
   

  	
  1.0139

  	
   

  	
  1.0123

  	
   

  
	
  65

  	
   

  	
  1.0381

  	
   

  	
  1.0344

  	
   

  	
  1.0310

  	
   

  	
  1.0278

  	
   

  	
  1.0250

  	
   

  	
  1.0223

  	
   

  	
  1.0199

  	
   

  	
  1.0178

  	
   

  	
  1.0158

  	
   

  	
  1.0140

  	
   

  
	
  66

  	
   

  	
  1.0429

  	
   

  	
  1.0387

  	
   

  	
  1.0349

  	
   

  	
  1.0314

  	
   

  	
  1.0282

  	
   

  	
  1.0252

  	
   

  	
  1.0225

  	
   

  	
  1.0201

  	
   

  	
  1.0179

  	
   

  	
  1.0158

  	
   

  
	
  67

  	
   

  	
  1.0482

  	
   

  	
  1.0435

  	
   

  	
  1.0393

  	
   

  	
  1.0353

  	
   

  	
  1.0317

  	
   

  	
  1.0284

  	
   

  	
  1.0254

  	
   

  	
  1.0227

  	
   

  	
  1.0202

  	
   

  	
  1.0179

  	
   

  
	
  68

  	
   

  	
  1.0541

  	
   

  	
  1.0489

  	
   

  	
  1.0442

  	
   

  	
  1.0398

  	
   

  	
  1.0358

  	
   

  	
  1.0321

  	
   

  	
  1.0287

  	
   

  	
  1.0256

  	
   

  	
  1.0228

  	
   

  	
  1.0202

  	
   

  
	
  69

  	
   

  	
  1.0608

  	
   

  	
  1.0550

  	
   

  	
  1.0497

  	
   

  	
  1.0448

  	
   

  	
  1.0403

  	
   

  	
  1.0362

  	
   

  	
  1.0324

  	
   

  	
  1.0289

  	
   

  	
  1.0258

  	
   

  	
  1.0229

  	
   

  
	
  70

  	
   

  	
  1.0684

  	
   

  	
  1.0620

  	
   

  	
  1.0561

  	
   

  	
  1.0506

  	
   

  	
  1.0456

  	
   

  	
  1.0410

  	
   

  	
  1.0367

  	
   

  	
  1.0328

  	
   

  	
  1.0293

  	
   

  	
  1.0260

  	
   

  



 


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