Spreadsheet: 146126d1331910935-calculating-number-of-days-in-leap-year-nav-calculator
Sheet: Sheet 1

Policy Number | Effective Date | Dollar Amount | Calculated Value | Principal | Interest Rate | Interest Earned | Year | Combined | Days | Int Rate
INITIAL | 2012-01-01 00:00:00 | 1500 | 1500 | 1500
 | 2012-12-31 00:00:00 | 150 | 1740 | 1500 | 6 | 240 | 0 | 365 | 365 | 0.06
 | 2008-04-02 00:00:00 | 250 | 1569.47 | 1500 | 6 | 69.47000000000003 | -1460 | -273 | -1733 | 0.06
 | 2008-07-04 00:00:00 | 0 | 1592.95 | 1500 | 6 | 92.95000000000005 | 0 | 93 | 93 | 0.06
 | 2008-07-04 00:00:00 | -1277.28 | 315.67 | 315.67 | 6 | 0 | 0 | 0 | 0 | 0.06
 | 2008-10-04 00:00:00 | 0 | 320.34 | 315.67 | 6 | 4.669999999999959 | 0 | 92 | 92 | 0.06
 | 2008-10-04 00:00:00 | -1277.28 | -956.94 | -956.94 | 3.5 | 0 | 0 | 0 | 0 | 0.035
 | 2008-12-31 00:00:00 | 0 | -963.78 | -963.78 | 3 | 0 | 0 | 88 | 88 | 0.03
 |  |  |  |  |  |  | -39420 | -4748 | -44168 | 0
 |  |  |  |  |  |  | 0 | 0 | 0 | 0
 |  |  |  |  |  |  | 0 | 0 | 0 | 0
 |  |  |  |  |  |  | 0 | 0 | 0 | 0
 |  |  |  |  |  |  | 0 | 0 | 0 | 0
 |  |  |  |  |  |  | 0 | 0 | 0 | 0
 | 2007-03-16 00:00:00 |  | 0 | 0 | 3 | 0 | 39055 | 4458 | 43513 | 0.03
 | 2007-03-16 00:00:00 |  | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0.03
 |  |  | 0 | 0 | 3 | 0 | -39055 | -4458 | -43513 | 0.03
 | 2004-09-30 00:00:00 |  | 0 | 0 | 3 | 0 | 37960 | 4656 | 42616 | 0.03
 | 2004-10-01 00:00:00 |  | 0 | 0 | 3 | 0 | 0 | 1 | 1 | 0.03
 | 2004-12-31 00:00:00 |  | 0 | 0 | 3 | 0 | 0 | 91 | 91 | 0.03
 | 2005-01-01 00:00:00 |  | 0 | 0 | 3 | 0 | 365 | -365 | 0 | 0.03
 | 2005-02-28 00:00:00 |  | 0 | 0 | 3 | 0 | 0 | 58 | 58 | 0.03
 | 2005-02-28 00:00:00 |  | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0.03
 | 2005-03-20 00:00:00 |  | 0 | 0 | 3 | 0 | 0 | 21 | 21 | 0.03
 | 2005-03-31 00:00:00 |  | 0 | 0 | 3 | 0 | 0 | 11 | 11 | 0.03
 | 2005-04-01 00:00:00 |  | 0 | 0 | 3 | 0 | 0 | 1 | 1 | 0.03
 | 2005-06-30 00:00:00 |  | 0 | 0 | 3 | 0 | 0 | 90 | 90 | 0.03
 | 2005-07-01 00:00:00 |  | 0 | 0 | 3 | 0 | 0 | 1 | 1 | 0.03
 | 2005-09-30 00:00:00 |  | 0 | 0 | 3 | 0 | 0 | 91 | 91 | 0.03
 | 2005-10-01 00:00:00 |  | 0 | 0 | 3 | 0 | 0 | 1 | 1 | 0.03
 | 2005-12-31 00:00:00 |  | 0 | 0 | 3 | 0 | 0 | 91 | 91 | 0.03
 | 2006-01-01 00:00:00 |  | 0 | 0 | 3 | 0 | 365 | -365 | 0 | 0.03
 | 2006-02-28 00:00:00 |  | 0 | 0 | 3 | 0 | 0 | 58 | 58 | 0.03
 | 2006-02-28 00:00:00 |  | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0.03
 | 2006-03-20 00:00:00 |  | 0 | 0 | 3 | 0 | 0 | 21 | 21 | 0.03
 | 2006-03-31 00:00:00 |  | 0 | 0 | 3 | 0 | 0 | 11 | 11 | 0.03
 | 2006-04-01 00:00:00 |  | 0 | 0 | 3 | 0 | 0 | 1 | 1 | 0.03
 | 2006-06-30 00:00:00 |  | 0 | 0 | 3 | 0 | 0 | 90 | 90 | 0.03
 | 2006-07-01 00:00:00 |  | 0 | 0 | 3 | 0 | 0 | 1 | 1 | 0.03
 | 2006-09-30 00:00:00 |  | 0 | 0 | 3 | 0 | 0 | 91 | 91 | 0.03
 | 2006-10-09 00:00:00 | -25.15 | -25.15 | -25.15 | 3 | 0 | 0 | 9 | 9 | 0.03
 | 2006-12-31 00:00:00 |  | -25.32 | -25.32 | 3 | 0 | 0 | 83 | 83 | 0.03
 | 2007-01-01 00:00:00 |  | -25.32 | -25.32 | 3 | 0 | 365 | -365 | 0 | 0.03
 | 2007-02-28 00:00:00 |  | -25.44 | -25.44 | 3 | 0 | 0 | 58 | 58 | 0.03
 | 2007-02-28 00:00:00 | -1358.52 | -1383.96 | -1383.96 | 3 | 0 | 0 | 0 | 0 | 0.03
 | 2007-03-20 00:00:00 |  | -1386.32 | -1386.32 | 3 | 0 | 0 | 21 | 21 | 0.03
 | 2007-03-31 00:00:00 |  | -1387.56 | -1387.56 | 3 | 0 | 0 | 11 | 11 | 0.03
 | 2007-04-05 00:00:00 |  | -1388.12 | -1388.12 | 3 | 0 | 0 | 5 | 5 | 0.03
 | 2008-03-20 00:00:00 |  | -1427.91 | -1427.91 | 3 | 0 | 365 | -16 | 349 | 0.03
 |  |  | -1427.91 | -1427.91 |  | 0 | -39420 | -4462 | -43882 | 0
 |  |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 |  |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 |  |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 |  |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 |  |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 |  |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 |  |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 |  |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 |  |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 |  |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 |  |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 |  |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 |  |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 |  |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 |  |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 |  |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 |  |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 | 2004-05-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 37960 | 4530 | 42490 | 0
 | 2004-05-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 | 2004-06-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 31 | 31 | 0
 | 2004-06-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 | 2004-07-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 30 | 30 | 0
 | 2004-07-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 | 2004-08-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 31 | 31 | 0
 | 2004-08-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 | 2004-09-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 31 | 31 | 0
 | 2004-09-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 | 2004-10-26 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 29 | 29 | 0
 | 2004-10-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 1 | 1 | 0
 | 2004-10-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 | 2004-11-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 31 | 31 | 0
 | 2004-11-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 | 2004-12-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 30 | 30 | 0
 | 2004-12-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 | 2005-01-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 365 | -335 | 30 | 0
 | 2005-01-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 | 2005-02-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 31 | 31 | 0
 | 2005-02-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 | 2005-03-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 29 | 29 | 0
 | 2005-03-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 | 2005-04-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 31 | 31 | 0
 | 2005-04-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 | 2005-05-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 30 | 30 | 0
 | 2005-05-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 | 2005-06-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 31 | 31 | 0
 | 2005-06-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 | 2005-07-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 30 | 30 | 0
 | 2005-07-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 | 2005-08-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 31 | 31 | 0
 | 2005-08-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 | 2005-09-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 31 | 31 | 0
 | 2005-09-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 | 2005-10-26 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 29 | 29 | 0
 | 2005-10-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 1 | 1 | 0
 | 2005-10-27 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 0 | 0 | 0
 | 2005-11-03 00:00:00 |  | -1427.91 | -1427.91 |  | 0 | 0 | 7 | 7 | 0