AMENDMENT
to the Risk Premium Reinsurance Agreement ( the "Agreement")
effective September 1, 1983, between
CUNA MUTUAL LIFE INSURANCE COMPANY of Waverly, Iowa,
hereinafter referred to as the "REINSURED,"
and
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY of Fort ▇▇▇▇▇, Indiana,
hereinafter referred to as the " LINCOLN."
1. The REINSURED'S plans to be reinsured under the Agreement on and after
the first day of November, 1999, shall be those specified in the Appendix I,
attached hereto.
2. For policies first ceded on and after the first day of November, 1999,
the reinsurance premium rates, for the portion of reinsurance in excess of five
million dollars ($5,000,000)on any one life ceded by the REINSURED to LINCOLN
under all reinsurance agreements, shall be the same. rates as set forth in the
Agreement for reinsurance ceded to LINCOLN less than five million dollars
($5,000,000).
3. The reinsurance percentages shall be as described in Schedule D,
Part X, attached hereto, and shall apply to reinsurance of the REINSURED'S
Flexible Premium Variable Universal Life (99-VUL) plan ceded under the Agreement
on and after the first day of November, 1999. Reinsurance ceded on the basis of
such premium rates shall
(a) be subject to a minimum cession of five thousand dollars ($5,000),
(b) not be eligible for experience refunds,
(c) not be eligible for production or persistency bonuses,
(d) not be eligible for premium tax reimbursement, and
(e) not be reduced as set forth in the "INCREASE IN LIMIT OF
RETENTION" article until it has been in force for at least ten
(10) years or, in the case of continuations, until the number of
years the original policy and its continuation have been in force
is at least equal to the greater of ten (10) years and the time
period specified for reinsurance of the original policy.
991200jg.amd/762
Agreement No.8 /Revision No. 22
1
4. The provisions of this amendment shall be subject to all the terms and
conditions of the Agreement which do not conflict with the terms hereof.
IN WITNESS WHEREOF the parties hereto have caused this amendment to be
executed in duplicate on the dates shown below.
CUNA MUTUAL LIFE INSURANCE COMPANY
Signed at /s/ Waverly, IA
------------------------------
By /s/ ▇▇▇▇▇ ▇▇▇▇▇ By /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇
------------------------------------- ---------------------------------
Title Asset Accumulation Product Manager Title AVP Associate Genernal Counsel
---------------------------------- ------------------------------
Date March 1, 2000 Date 3/2/2000
----------------------------------- -------------------------------
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
Signed at Fort ▇▇▇▇▇, Indiana
By /s/ ▇▇▇▇▇ ▇▇▇▇▇ By /s/ ▇▇▇▇▇ ▇▇▇▇▇
------------------------------------- ---------------------------------
Second Vice President Assistant Secretary
Date 2/29/00 Date 2/28/2000
----------------------------------- -------------------------------
2
APPENDIX I
Insurance Subject to Reinsurance under this Agreement
The REINSURED'S entire excess of its issues of the following plans bearing
register dates in the range shown below to insureds having surnames beginning
with the letters of the alphabet shown below.
A. Automatic Reinsurance
One hundred percent (100%) of the reinsurance the REINSURED cedes
automatically of the insurance specified below shall be ceded under this
Agreement.
Reinsurance Dates Letters
Plan Renewal Basis from through from through
---- ------------- ---- ------- ---- -------
Universal Life Plan 20 Years 09-01-83 -- A K
Univers-All Life II 20 Years 05-01-84 -- A K
Univers-All-III (Form 2222) 10 Years 01-01-86 -- A K
Variable Universal Life
(Form 2221 0985) 10 Years 02-01-86 -- A K
Other Insured Rider 10 Years 02-01-86 -- A K*
Automatic Increase Rider 10 Years 02-01-86 -- A K
Univers-All Life III
Employee Benefits
(Unisex) (Form 2212) 10 Years 11-01-86 -- A K
Flexible Premium
Adjustable Life
(UL88 & UL88EB) 10 Years 08-01-88 02-28-89 A K
Flexible Premium Variable
Adjustable Life
(VUL88 & VUL88EB) 10 Years 08-01-88 02-28-89 A K
Flexible Premium
Adjustable Life
(UL2000 & UL2000EB) 10 Years 03-01-89 -- A K
Flexible Premium Varible
Adjustable Life
(VUL2000 & VUL2000EB) 10 Years 03-01-89 -- A K
Flexible Advantage Life 10 Years 07-01-90 -- A K
Level Term Rider 10 Years 07-01-90 -- A K
Ultimate Term Rider 10 Years 07-01-91 -- A K
Flexible Premium Variable
Universal Life (99-VUL) 10 Years 11-01-99 -- A Z
*Other Insured Rider issues shall be based on the primary insured's surname.
3
APPENDIX I (CONTINUED)
B. Facultative Reinsurance
One hundred percent (100%) of the reinsurance the REINSURED cedes
facultatively of the insurance specified above to insureds having surnames
beginning with the letters A through Z shall be ceded under this Agreement
provided the REINSURED has accepted LINCOLN'S offer to reinsure.
C. Continuations
Continuations to the insurance specified above shall be ceded under this
Agreement provided the original policy was reinsured with LINCOLN under
this or another agreement. The percentage of reinsurance ceded to LINCOLN
shall equal the percentage of the original policy ceded to LINCOLN.
4
SCHEDULE D, PART X
Reinsurance (Effective November 1,1999)
Premium Rates
Flexible Premium Variable Universal Life (99-VUL)
The annual reinsurance premium rate shall be the attaches cost of insurance
rates, nonrefunding and age last birthday, per one thousand dollars ($1,000) of
the net amount at risk times the following percentages:
Policy Year
Smoking Status 1 2-10 11+
-------------- - ---- ---
Preferred Non-tobacco 0% 30% 60%
▇▇▇▇▇▇▇▇ ▇▇▇-▇▇▇▇▇▇▇ ▇ ▇▇ ▇▇
▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ 0 60 80
Standard Tobacco 0 60 80
Substandard Risks
The substandard table extra premiums shall be the number of tables assessed the
risk times twenty-five percent (25%) of the attacted appropriate rates times the
above percentages.
Continuations to Issues Reinsured Hereunder
-------------------------------------------
The reinsurance premium for policies reinsured under this agreement as
continuations shall be the appropriate premium described in this Agreement;
unless the reinsurance agreement under which the original policy was reinsured
specifies otherwise , the policy duration and attained age of the insurred for
purposes of calculating such premiums shall be determined as though the
continuations were issued on the same date and at the same issue age as the
original policy.
Continuations from Issues Reinsured Hereunder
---------------------------------------------
The reinsurance premium for continuations of policies reinsured under this
Agreement shall be as described in the agreement which covers the new policy;
unless that agreement specifies otherwise, the policy duration and attained age
of the insured, for purposes of calculating such premiums, shall be determined
as though the continuations were issued on the same date and at the same issue
age as the original policy. If no such agreement is in effect between LINCOLN
and the REINSURED, reinsurance shall continue hereunder.
5
SCHEDULE D, PART X (CONTINUED)
Continuation Policy Fee
-----------------------
If the premium scale applicable to a continuation contains a policy fee, a
continuation shall, for purposes of determining the policy fee only and
notwithstanding the method prescribed for calculating the basic premium, be
considered a renewal if the REINSURED has paid LINCOLN a first-year policy fee
on reinsurance of the original policy and as a new issue if the REINSURED has
not paid LINCOLN a policy fee on reinsurance of the original policy.
Waiver of Premium Disability and Accidental Death Benefits
----------------------------------------------------------
The premium which the REINSURED charges the insured on the amount reinsured less
total allowances of seventy-five percent (75%) first year and ten percent (10%)
in renewal years.
6
FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE
ULTIMATE COST OF INSURANCE RATES PER THOUSAND*
FORMS 99-VUL AND 99-OIR-RV1
BAND 4: $1,000,000 +
-------------------------------------------------------------------------------------------------
Attained
Age MPNT MSNT MPT MST FPNT FSNT FPT FST
=================================================================================================
0-9 N/A N/A N/A N/A N/A N/A N/A N/A
10 0.23 0.23 0.23 0.23 0.19 0.19 0.19 0.19
11 0.26 0.26 0.26 0.26 0.20 0.20 0.20 0.20
12 0.30 0.30 0.30 0.30 0.22 0.22 0.22 0.22
13 0.35 0.35 0.35 0.35 0.24 0.24 0.24 0.24
14 0.49 0.49 0.49 0.49 0.27 0.27 0.27 0.27
15 0.62 0.62 0.62 0.62 0.30 0.30 0.30 0.30
16 0.71 0.71 1.05 1.05 0.31 0.31 0.39 0.39
17 0.77 0.77 1.16 1.16 0.34 0.34 0.44 0.44
18 0.82 0.82 1.26 1.26 0.35 0.35 0.45 0.45
19 0.86 0.86 1.34 1.34 0.36 0.36 0.47 0.47
20 0.89 0.89 1.41 1.41 0.37 0.37 0.49 0.49
21 0.91 0.91 1.46 1.46 0.38 0.38 0.51 0.51
22 0.91 0.91 1.48 1.48 0.38 0.38 0.52 0.52
23 0.89 0.89 1.47 1.47 0.38 0.38 0.53 0.53
24 0.88 0.88 1.47 1.47 0.38 0.38 0.53 0.53
25 0.85 0.85 1.44 1.44 0.38 0.38 0.54 0.54
26 0.82 0.92 1.41 1.59 0.37 0.41 0.54 0.60
27 0.83 0.93 1.45 1.63 0.39 0.44 0.57 0.64
28 0.84 0.94 1.49 1.67 0.41 0.46 0.61 0.68
29 0.86 0.96 1.53 1.73 0.44 0.49 0.67 0.75
30 0.87 0.97 1.57 1.77 0.47 0.52 0.73 0.81
31 0.89 1.00 1.63 1.83 0.51 0.57 0.80 0.90
32 0.92 1.04 1.72 1.94 0.54 0.61 0.87 0.97
33 0.96 1.08 1.82 2.05 0.60 0.67 0.98 1.10
34 1.02 1.15 1.95 2.20 0.67 0.75 1.11 1.24
35 1.09 1.22 2.11 2.38 0.75 0.84 1.28 1.44
36 1.11 1.24 2.18 2.46 0.80 0.90 1.37 1.54
37 1.12 1.26 2.25 2.53 0.86 0.96 1.49 1.68
38 1.17 1.32 2.37 2.67 0.93 1.05 1.66 1.87
39 1.21 1.36 2.47 2.79 1.01 1.14 1.82 2.05
40 1.27 1.43 2.63 2.96 1.11 1.24 2.02 2.27
41 1.35 1.52 2.83 3.20 1.20 1.35 2.23 2.51
42 1.44 1.62 3.05 3.45 1.30 1.46 2.44 2.75
43 1.54 1.74 3.32 3.75 1.38 1.55 2.63 2.97
44 1.68 1.89 3.65 4.12 1.47 1.65 2.83 3.20
45 1.81 2.04 3.99 4.51 1.55 1.75 3.04 3.44
46 1.94 2.19 4.34 4.90 1.63 1.83 3.23 3.65
47 2.08 2.35 4.72 5.33 1.70 1.92 3.43 3.88
48 2.23 2.51 5.10 5.76 1.78 2.01 3.63 4.10
49 2.37 2.67 5.48 6.20 1.86 2.09 3.83 4.33
50 2.51 2.83 5.88 6.65 1.94 2.19 4.06 4.59
51 2.77 3.12 6.56 7.41 2.09 2.36 4.43 5.01
52 3.05 3.45 7.32 8.27 2.27 2.56 4.88 5.51
53 3.36 3.79 8.14 9.20 2.46 2.78 5.35 6.05
54 3.69 4.17 9.04 10.22 2.68 3.03 5.89 6.66
-------------------------------------------------------------------------------------------------
7
Ultimate COl
FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE
ULTIMATE COST OF INSURANCE RATES PER THOUSAND*
Forms 99-VUL and 99-OIR-RV1
BAND 4: $1,000,000 +
-------------------------------------------------------------------------------------------------
Attained
Age MPNT MSNT MPT MST FPNT FSNT FPT FST
=================================================================================================
55 4.05 4.58 10.04 11.35 2.92 3.30 6.49 7.34
56 4.46 5.04 10.83 12.25 3.18 3.59 7.00 7.91
57 4.91 5.54 11.69 13.22 3.46 3.91 7.55 8.53
58 5.41 6.11 12.63 14.28 3.77 4.25 8.12 9.18
59 6.98 6.76 13.67 15.46 4.10 4.63 8.74 9.89
60 5.61 7.47 14.79 16.72 4.44 5.02 9.37 10.60
61 7.31 8.26 16.01 18.11 4.81 5.44 10.04 11.35
62 8.07 9.12 17.27 19.54 5.21 5.89 10.75 12.15
63 8.89 10.05 18.59 21.03 5.63 6.36 11.47 12.97
64 9.79 11.07 20.00 22.62 6.08 6.88 12.26 13.86
65 10.77 12.18 21.47 24.29 6.59 7.45 13.11 14.83
66 12.06 13.64 23.66 26.76 7.21 8.15 14.13 15.98
67 13.51 15.28 26.08 29.50 7.92 8.95 15.25 17.25
68 15.14 17.12 28.72 32.49 8.69 9.82 16.46 18.61
69 16.95 19.17 31.61 35.76 9.55 10.80 17.79 20.12
70 18.95 21.43 34.72 39.28 10.54 11.92 19.29 21.82
71 21.12 23.89 38.01 43.01 11.69 13.22 21.02 23.77
72 23.51 26.59 41.54 46.99 13.03 14.73 23.00 26.02
73 26.14 29.57 45.33 51.28 14.59 16.50 25.27 28.59
74 29.07 32.89 49.47 55.97 16.42 18.57 27.92 31.59
75 32.36 36.61 54.00 61.10 18.56 20.99 30.94 35.01
76 36.03 40.76 58.90 66.65 21.03 23.79 34.36 38.88
77 40.12 45.39 64.24 72.69 23.89 27.02 38.23 43.25
78 44.64 50.51 69.97 79.17 27.15 30.72 42.54 48.13
79 49.61 56.13 76.07 86.07 30.85 34.90 47.29 53.51
80 55.05 62.28 82.54 93.39 34.97 39.57 52.43 59.32
81 60.07 67.97 88.04 99.62 39.16 44.31 57.38 34.93
82 65.39 73.99 93.62 105.93 43.72 49.47 62.58 70.81
83 71.14 80.49 99.43 112.51 48.64 55.04 67.98 76.91
84 77.44 87.62 105.61 119.49 53.93 61.02 73.54 83.21
85 84.31 95.39 112.10 126.85 59.59 67.42 79.23 89.65
86 91.73 103.79 118.95 134.60 65.62 74.25 85.09 96.28
87 99.71 112.82 126.01 142.58 72.00 81.47 90.99 102.96
88 108.18 122.41 133.16 150.67 78.76 89.11 96.94 109.69
89 117.01 132.40 140.18 158.61 85.87 97.16 102.87 116.40
90 126.13 142.71 146.93 166.26 93.36 105.64 108.75 123.05
91 135.51 153.33 153.39 173.57 101.21 114.52 114.55 129.62
92 145.18 164.28 159.55 180.53 109.42 123.81 120.25 136.07
93 155.13 175.53 165.36 187.11 118.00 133.52 125.78 142.33
94 165.36 187.11 170.81 193.28 126.95 143.65 131.14 148.39
-------------------------------------------------------------------------------------------------
*Policies: Add $50 Policy Fee Riders: Add $20 Rider Fee | ULTIMATE Rates not in
effect years 1-9
MPNT = Male Preferred Non Tobacco FPNT = Female Preferred Non Tobacco
MSNT = Male Standard Non Tobacco FSNT = Female Standard Non Tobacco
MPT = Male Preferred Tobacco FPT = Female Preferred Tobacco
MST = Male Standard Tobacco FST = Female Standard Tobacco
8
Ultimate CO
FLEXIBLE PREMIUM VRIABLE UNIVERSAL LIFE
SELECT COST OF INSURANCE RATES PER THOUSAND*
FORMS 99-VUL AND 99-OIR-RV1
Band 4: $1,000,000+
-------------------------------------------------------------------------------------------------
Attained
Age MPNT MSNT MPT MST FPNT FSNT FPT FST
=================================================================================================
46 2.92 3.24 5.58 6.20 2.54 2.82 4.03 4.47
47 3.16 3.50 6.07 6.75 2.72 3.02 4.31 4.79
48 3.41 3.79 6.61 7.34 2.90 3.22 4.57 5.08
49 3.70 4.10 7.18 7.98 3.11 3.45 4.90 5.45
50 4.40 4.89 8.57 9.52 3.53 3.92 5.57 6.18
51 4.70 5.23 9.06 10.07 3.60 4.00 5.67 6.30
52 5.05 5.61 9.60 10.67 3.70 4.12 5.84 6.48
53 5.41 6.01 10.17 11.30 3.87 4.30 5.94 6.61
54 5.76 6.40 10.74 11.93 3.95 4.39 6.08 6.75
55 6.11 6.79 11.31 12.57 4.03 4.48 6.15 6.84
56 6.68 7.42 12.00 13.33 4.38 4.88 6.65 7.39
57 7.25 8.06 12.66 14.07 4.79 5.32 7.14 7.94
58 7.90 8.77 13.33 14.81 5.23 5.81 7.65 8.50
59 8.57 9.52 14.03 15.59 5.69 6.33 8.14 9.05
60 9.33 10.37 14.78 16.42 6.22 6.91 8.64 9.61
61 10.07 11.18 15.79 17.54 6.83 7.59 9.38 10.41
62 10.89 12.10 16.93 18.82 7.50 8.34 10.21 11.35
63 11.76 13.07 18.19 20.21 8.21 9.13 11.09 12.32
64 12.72 14.13 19.50 21.68 8.88 9.88 11.90 13.23
65 13.67 15.18 20.87 23.18 9.48 10.53 12.60 13.99
66 14.83 16.48 22.09 24.54 9.92 11.03 13.03 14.50
67 15.97 17.74 23.27 25.85 10.27 11.41 13.35 14.83
68 17.10 19.01 24.40 27.11 10.60 11.77 13.60 15.11
69 18.30 20.33 25.61 28.46 10.96 12.18 13.95 15.50
70 19.54 21.71 26.89 29.88 11.48 12.76 14.53 16.14
71 21.12 23.47 29.24 32.49 12.06 13.39 15.63 17.36
72 22.84 25.37 31.89 35.43 12.78 14.20 16.71 18.57
73 24.65 27.38 34.81 38.68 13.63 15.15 17.79 19.77
74 26.46 29.40 37.98 42.20 14.59 16.21 18.88 20.98
75 28.17 31.30 41.37 45.97 15.58 17.31 19.97 22.19
76 31.09 34.54 44.87 49.85 17.49 19.43 22.17 24.63
77 34.14 37.93 48.36 53.73 19.55 21.72 24.45 27.17
78 37.33 41.49 51.90 57.67 21.77 24.18 26.88 29.88
79 40.80 45.33 55.60 61.78 24.21 26.90 29.50 32.78
80 44.60 49.55 59.58 66.20 27.04 30.04 32.46 36.07
81 48.87 54.30 63.98 71.09 30.25 33.62 35.81 39.79
82 53.69 59.65 68.60 76.22 33.95 37.72 39.63 44.03
83 59.02 65.57 74.09 82.31 38.16 42.40 44.01 48.90
84 64.76 71.96 79.55 88.39 42.76 47.51 48.79 54.21
-------------------------------------------------------------------------------------------------
*Policies: Add $50 Policy Fee Riders : Add $20 Rider Fee
MPNT = Male Preferred Bib Tobacco FPNT = Female Preferred Non Tobacco
MSNT = Male Standard Non Tobacco FSNT = Female Standard Non Tobacco
MPT = Male Preferred Tobacco FPT = Female Preferred Tobacco
MST = Male Standard Tobacco FST = Female Standard Tobacco
9
Select COI
TABLE I-D
Select Cost of Insurance Rates
Band 4: $1,000,000+
Att
Age MPNT MSNT MPT MST EPNT FSNT FPT FST
0 0.91 0.91 0.91 0.91 0.78 0.78 0.78 0.78
1 0.90 0.90 0.90 0.90 0.76 0.76 0.76 0.76
2 0.86 0.86 0.86 0.86 0.73 0.73 0.73 0.73
3 0.84 0.84 0.84 0.84 0.71 0.71 0.71 0.71
4 0.81 0.81 ` 0.81 0.81 0.70 0.70 0.70 0.70
5 0.77 0.77 0.77 0.77 0.68 0.68 0.68 0.68
6 0.72 0.72 0.72 0.72 0.66 0.66 0.66 0.66
7 0.68 0.68 0.68 0.68 0.65 0.65 0.65 0.65
8 0.65 0.65 0.65 0.65 0.64 0.64 0.64 0.64
9 0.64 0.64 0.64 0.64 0.63 0.63 0.63 0.63
10 0.65 0.65 0.65 0.65 0.62 0.62 0.62 0.62
11 0.70 0.70 0.70 0.70 0.64 0.64 0.64 0.64
12 0.80 0.80 0.80 0.80 0.66 0.66 0.66 0.66
13 0.93 0.93 0.93 0.93 0.70 0.70 0.70 0.70
14 1.06 1.06 1.06 1.06 0.75 0.75 0.75 0.75
15 1.18 1.18 1.18 1.18 0.78 0.78 0.78 0.78
16 1.16 1.29 1.19 1.32 0.74 0.82 0.74 0.83
17 1.23 1.37 1.31 1.46 0.76 0.85 0.79 0.88
18 1.28 1.42 1.44 1.60 0.78 0.87 0.83 0.93
19 1.30 1.45 1.56 1.74 0.81 0.90 0.88 0.98
20 1.31 1.46 1.68 1.88 0.83 0.92 0.92 1.03
21 1.30 1.44 1.81 2.02 0.85 0.94 0.97 1.08
22 1.28 1.42 1.78 1.98 0.85 0.95 0.99 1.11
23 1.24 1.38 1.75 1.95 0.86 0.96 1.02 1.14
24 1.22 1.35 1.70 1.90 0.88 0.98 1.04 1.16
25 1.17 1.30 1.65 1.83 0.90 1.00 1.07 1.19
26 1.15 1.28 1.61 1.80 0.92 1.02 1.11 1.24
27 1.14 1.26 1.61 1.78 0.94 1.04 1.15 1.27
28 1.13 1.25 1.61 1.78 0.95 1.05 1.19 1.32
29 1.13 1.25 1.63 1.81 0.98 1.09 1.24 1.37
30 1.14 1.26 1.67 1.85 0.99 1.10 1.29 1.44
31 1.16 1.29 1.72 1.91 1.03 1.14 1.35 1.49
32 1.19 1.32 1.79 1.99 1.05 1.16 1.40 1.55
33 1.23 1.37 1.89 2.10 1.08 1.20 1.47 1.64
34 1.30 1.43 2.00 2.22 1.12 1.25 1.55 1.73
35 1.36 1.50 2.13 2.37 1.17 1.30 1.65 1.83
36 1.43 1.58 2.29 2.54 1.25 1.39 1.78 1.98
37 1.52 1.69 2.48 2.76 1.35 1.49 1.95 2.16
38 1.62 1.80 2.70 3.00 1.44 1.59 2.11 2.35
39 1.73 1.92 2.95 3.28 1.54 1.71 2.32 2.57
40 1.86 2.07 3.24 3.60 1.67 1.85 2.56 2.85
41 2.00 2.23 3.56 3.95 1.81 2.01 2.79 3.10
42 2.16 2.39 3.90 4.33 1.95 2.16 3.05 3.38
TABLE I-D
Select Cost of Insurance Rates
Band 4: $1,000,000+
Att
Age MPNT MSNT MPT MST FPNT FSNT FPT FST
43 2.31 2.57 4.27 4.75 2.09 2.32 3.27 3.64
44 2.50 2.77 4.69 5.21 2.23 2.47 3.53 3.92
45 2.70 3.00 5.13 5.70 2.37 2.64 3.75 4.17
46 2.92 3.24 5.58 6.20 2.54 2.82 4.03 4.47
47 3.16 3.50 6.07 6.75 2.72 3.02 4.31 4.79
48 3.41 3.79 6.61 7.34 2.90 3.22 4.57 5.08
49 3.70 4.10 7.18 7.98 3.11 3.45 4.90 5.45
50 4.40 4.89 8.57 9.52 3.53 3.92 5.57 6.18
51 4.70 5.23 9.06 10.07 3.60 4.00 5.67 6.30
52 5.05 5.61 9.60 10.67 3.70 4.12 5.84 6.48
53 5.41 6.01 10.17 11.30 3.87 4.30 5.94 6.61
54 5.76 6.40 10.74 11.93 3.95 4.39 6.08 6.75
55 6.11 6.79 ` 11.31 12.57 4.03 4.48 6.15 6.84
56 6.68 7.42 12.00 13.33 4.38 4.88 6.65 7.39
57 7.25 8.06 12.66 14.07 4.79 5.32 7.14 7.94
58 7.90 8.77 13.33 14.81 5.23 5.81 7.65 8.50
59 8.57 9.52 14.03 15.59 5.69 6.33 8.14 9.05
60 9.33 10.37 14.78 16.42 6.22 6.91 8.64 9.61
61 10.07 11.18 15.79 17.54 6.83 7.59 9.38 10.41
62 10.89 12.10 16.93 18.82 7.50 8.34 10.21 11.35
63 11.76 13.07 18.19 20.21 8.21 9.13 11.09 12.32
64 12.72 14.13 19.50 21.68 8.88 9.88 11.90 13.23
65 13.67 15.18 20.87 23.18 9.48 10.53 12.60 13.99
66 14.83 16.48 22.09 24.54 9.92 11.03 13.05 14.50
67 15.97 17.74 23.27 25.85 10.27 11.41 13.35 14.83
68 17.10 19.01 24.40 27.11 10.60 11.77 13.60 15.11
69 18.30 20.33 25.61 28.46 10.96 12.18 13.95 15.50
70 19.54 21.71 26.89 29.88 11.48 12.76 14.53 16.14
71 21.12 23.47 29.24 32.49 12.06 13.39 15.63 17.36
72 22.84 25.37 31.89 35.43 12.78 14.20 16.71 18.57
73 24.65 27.38 34.81 38.68 13.63 15.15 17.79 19.77
74 26.46 29.40 37.98 42.20 14.59 16.21 18.88 20.98
75 28.17 31.30 41.37 45.97 15.58 17.31 19.97 22.19
76 31.09 34.54 44.87 49.85 17.49 19.43 22.17 24.63
77 34.14 37.93 48.36 53.73 19.55 21.72 24.45 27.17
78 37.33 41.49 51.90 57.67 21.77 24.18 26.88 29.88
79 40.80 45.33 55.60 61.78 24.21 26.90 29.50 32.78
80 44.60 49.55 59.58 66.20 27.04 30.04 32.46 36.07
81 48.87 54.30 63.98 71.09 30.25 33.62 35.81 39.79
82 53.69 59.65 68.60 76.22 35.95 37.72 39.63 44.03
83 59.02 65.57 74.09 82.31 38.16 42.40 44.01 48.90
84 64.76 71.96 79.55 88.39 42.76 47.51 48.79 54.21
Renewal Only