CLIMBS LOAN PROTECTION PLAN - PREMIUMS FORM

Cooperative : DON BOSCO FOUNDATION Date Remitted :

Address : Period Covered : May-03

CUSTOMER LOAN INSURANCE

ACCOUNT CIVIL EFFECTIVE TERM COVERED HDF-1 APPLICATION AD&D Rider LPP RATE GROSS
NO. NAME BIRTHDAY AGE SEX GROSS AMOUNT EXPIRY DATE BENEFICIARY / RELATIONSHIP
NUMBER STATUS DATE (months) AMOUNT answers STATUS STATUS (Y/N) regular rider PREMIUM

1 792424 LAYSON IRENEO 30-Mar-1957 52 M M 2,000.00 15-Feb-10 15-May-2010 3.00 2,000.00 NNN covered OK Y 0.75 0.10 5.10 LAYSON, ROGIE S. - WIFE
2 65708 CHIVA, LORETO 14-Oct-1960 49 M 10,000.00 3-Feb-10 03-May-2010 3.00 10,000.00 NNN covered OK Y 0.75 0.10 25.50 N/A
3 657043 SERENCIO, CARLITO 03-Feb-1966 44 M M 3,000.00 3-Feb-10 03-May-2010 3.00 3,000.00 NNN covered OK Y 0.75 0.10 7.65 SERENCIO, JULIE - WIFE
4 657032 PANES, RODELINO 22-Feb-1953 56 M M 2,500.00 5-Feb-10 05-May-2010 3.00 2,500.00 NNN covered OK Y 0.75 0.10 6.38 PANES, RAFFY - SON
5 653159 CHIVA, REBECCA 9/6/1968 41 F 6,000.00 2/8/2010 08-May-2010 3.00 6,000.00 NNN covered OK Y 0.75 0.10 15.30 CHIVA, RANDY- SON
6 657145 SILVANO, SHIELA MAE 3/16/1985 24 F S 5,000.00 2/9/2010 09-May-2010 3.00 5,000.00 NNN covered OK Y 0.75 0.10 12.75 SILVANO, LORNA
7 792425 REDIL, FEDERICO 9/18/1950 59 M 2,500.00 2/15/2010 15-May-2010 3.00 2,500.00 NNN covered OK Y 0.75 0.10 6.38 REDIL, ALMOND - GRANDSON
8 792484 GREGORIO, SHIRLY 2/8/1955 55 F 1,000.00 2/15/2010 15-May-2010 3.00 1,000.00 NNN covered OK Y 0.75 0.10 2.55 GREGORIO, GERALD - SON
9 792423 ABIAN, WARLITO 2/15/1971 39 M M 15,000.00 2/15/2010 15-May-2010 3.00 15,000.00 NNN covered OK Y 0.75 0.10 38.25 ABIAN, JULITH - WIFE
10 792422 DELA CRUZ, ELENA 5/23/1955 54 F 15,000.00 2/17/2010 17-May-2010 3.00 15,000.00 NNN covered OK Y 0.75 0.10 38.25 DELA CRUZ, RANDY - SON
11 657035 AGUSTIN, ELSIE 9/25/1970 39 F M 6,000.00 2/23/2010 23-May-2010 3.00 6,000.00 NNN covered OK Y 0.75 0.10 15.30 AGUSTIN, BENJAMIN - HUSBAND
12 653149 PACLIBAR, MARISSA 8/18/1972 37 F M 18,000.00 2/1/2010 01-Aug-2010 6.00 18,000.00 NNN covered OK Y 0.75 0.10 91.80 PACLIBAR S. GINO - SON
13 65733 CORNELIO, IGNACIO 5/19/1958 51 M 15,000.00 2/4/2010 04-Aug-2010 6.00 15,000.00 NNN covered OK Y 0.75 0.10 76.50 CORNELIO, BONARD - SON
14 653193 DIONIO, JOVY 8/17/1982 27 M M 4/8/2064 2/8/2010 08-Aug-2010 6.00 60,000.00 NNN covered OK Y 0.75 0.10 306.00 DIONIO, LOVIE JANE - WIFE
15 653164 ABIAN, RICHARD 1/31/1978 32 M M 20,000.00 2/10/2010 10-Aug-2010 6.00 20,000.00 NNN covered OK Y 0.75 0.10 102.00 ABIAN, GILDA - WIFE
16 653165 PENASO, RODRIGO BERNIE 4/12/1974 35 M M 30,000.00 2/10/2010 10-Aug-2010 6.00 30,000.00 NNN covered OK Y 0.75 0.10 153.00 PENASO, ANALYN G. - WIFE
17 653150 LADRA, RONALDO 8/10/1974 35 M M 20,000.00 2/19/2010 19-Aug-2010 6.00 20,000.00 NNN covered OK Y 0.75 0.10 102.00 LADRA, MARISSA B. - WIFE
18 792485 LAURILLA, ROMMEL 8/24/1969 40 M M 12,000.00 2/19/2010 19-Aug-2010 6.00 12,000.00 NNN covered OK Y 0.75 0.10 61.20 LAURILLA, KALVIN TROY - SON
19 653151 TABELO, ANTONIO 6/7/1969 40 M M 6,000.00 2/18/2010 18-Aug-2010 6.00 6,000.00 NNN covered OK Y 0.75 0.10 30.60 TABELO, ELISA - WIFE
20 657149 SAMILLANO, MARILYN 11/17/1978 31 F S 9,000.00 2/5/2010 05-Aug-2010 6.00 9,000.00 NNN covered OK Y 0.75 0.10 45.90 SAMILLANO, MELANIE - SISTER
21 792481 ESMERALDA, MARIO 9/15/1973 36 M S 10,000.00 2/26/2010 26-Aug-2010 6.00 10,000.00 NNN covered OK Y 0.75 0.10 51.00 ESMERALDA, JOSEPH
22 657152 MAGDAYAO, CRISPIN 12/3/1967 42 M M 20,000.00 2/24/2010 24-Aug-2010 6.00 20,000.00 NNN covered OK Y 0.75 0.10 102.00 MAGDAYAO, ALLEN P. - WIFE
23 792410 LUCIANO. VINCENT 12/12/1980 29 M 4,000.00 2/22/2010 22-Aug-2010 6.00 4,000.00 NNN covered OK Y 0.75 0.10 20.40 N/A
24 792432 ENAD, ALBERTO 4/8/1963 46 M M 20,000.00 2/26/2010 26-Aug-2010 6.00 20,000.00 NNN covered OK Y 0.75 0.10 102.00 ENAD, NIDA - WIFE
25 657031 CABANGON, LORENZO 4/8/1948 61 M M 6,000.00 2/5/2010 05-May-2010 3.00 6,000.00 NNN covered OK Y 0.75 0.10 15.30 CABANGON, MINDA - WIFE
26 657036 DELA CRUZ, JULYAN 7/8/2010 -1 M M 10,000.00 2/25/2010 25-May-2010 3.00 10,000.00 NNN covered - Y - - -
27 - - - NNN - - Y - - -
28 - - - NNN - - Y - - -
29 - - - NNN - - Y - - -
30 - - - NNN - - Y - - -
328,000.00 328,000.00 TOTAL GROSS PREMIUM 1,433.11
less : COMMISSION 10% 143.31
Prepared by : Date : TOTAL COVERED AMOUNT 318,000.00 NET PREMIUM 1,289.80
Checked by : Date : TOTAL VALID CERTIFICATES 25
 CUSTOMER LOAN INSURANCE
ACCOUNT CIVIL EFFECTIVE TERM COVERED HDF-1 APPLICATION AD&D Rider LPP RATE GROSS
NO. NAME BIRTHDAY AGE SEX GROSS AMOUNT EXPIRY DATE BENEFICIARY / RELATIONSHIP
NUMBER STATUS DATE (months) AMOUNT answers STATUS STATUS (Y/N) regular rider PREMIUM

Approved by : Date :
 CLIMBS LOAN PROTECTION PLAN - CANCELLATIONS FORM

Cooperative : Date Remitted :

Address : Period Covered :

BORROWER LOAN INSURANCE

EFFECTIVE EXPIRY TERM COVERED PREMIUM DATE USED GROSS
NO. PB # NAME DATE DATE (months) AMOUNT PAID CANCELLED PREMIUM REBATE

1 - - -

2 - - -

3 - - -

4 - - -

5 - - -

6 - - -

7 - - -

8 - - -

9 - - -

10 - - -

11 - - -

12 - - -

13 - - -

14 - - -

15 - - -

16 - - -

17 - - -

18 - - -

19 - - -

20 - - -

21 - - -

22 - - -

23 - - -

24 - - -

25 - - -

26 - - -

27 - - -

28 - - -

29 - - -

30 - - -
TOTAL GROSS REBATE -
less : COMMISSION 0% -
NET REBATE -
 Effective Expiry
No Date Date y1 y2 m1
Month Days 1 15-Feb-10 15-May-10 3.00 2010 2010 2
1 31 2 03-Feb-10 03-May-10 3.00 2010 2010 2
2 28 3 03-Feb-10 03-May-10 3.00 2010 2010 2
3 31 4 05-Feb-10 05-May-10 3.00 2010 2010 2
4 30 5 08-Feb-10 08-May-10 3.00 2010 2010 2
5 31 6 09-Feb-10 09-May-10 3.00 2010 2010 2
6 30 7 15-Feb-10 15-May-10 3.00 2010 2010 2
7 31 8 15-Feb-10 15-May-10 3.00 2010 2010 2
8 31 9 15-Feb-10 15-May-10 3.00 2010 2010 2
9 30 10 17-Feb-10 17-May-10 3.00 2010 2010 2
10 31 11 23-Feb-10 23-May-10 3.00 2010 2010 2
11 30 12 01-Feb-10 01-Aug-10 6.00 2010 2010 2
12 31 13 04-Feb-10 04-Aug-10 6.00 2010 2010 2
14 08-Feb-10 08-Aug-10 6.00 2010 2010 2
15 10-Feb-10 10-Aug-10 6.00 2010 2010 2
16 10-Feb-10 10-Aug-10 6.00 2010 2010 2
17 19-Feb-10 19-Aug-10 6.00 2010 2010 2
18 19-Feb-10 19-Aug-10 6.00 2010 2010 2
19 18-Feb-10 18-Aug-10 6.00 2010 2010 2
20 05-Feb-10 05-Aug-10 6.00 2010 2010 2
21 26-Feb-10 26-Aug-10 6.00 2010 2010 2
22 24-Feb-10 24-Aug-10 6.00 2010 2010 2
23 22-Feb-10 22-Aug-10 6.00 2010 2010 2
24 26-Feb-10 26-Aug-10 6.00 2010 2010 2
25 05-Feb-10 05-May-10 3.00 2010 2010 2
26 25-Feb-10 25-May-10 3.00 2010 2010 2
27 30-Dec-99 30-Dec-99 - 1899 1899 12
28 30-Dec-99 30-Dec-99 - 1899 1899 12
29 30-Dec-99 30-Dec-99 - 1899 1899 12
30 30-Dec-99 30-Dec-99 - 1899 1899 12
0 30-Dec-99 30-Dec-99 - 1899 1899 12

Effective
No DOB Date y1 y2 m1
1 1.00 1 30-Mar-57 15-Feb-10 52.88 1957 2010 3
1 1.00 2 14-Oct-60 03-Feb-10 49.30 1960 2010 10
1 1.00 3 03-Feb-66 03-Feb-10 44.00 1966 2010 2
1 1.00 4 22-Feb-53 05-Feb-10 56.95 1953 2010 2
1 1.00 5 06-Sep-68 08-Feb-10 41.42 1968 2010 9
1 1.00 6 16-Mar-85 09-Feb-10 24.90 1985 2010 3
1 1.00 7 18-Sep-50 15-Feb-10 59.41 1950 2010 9
1 1.00 8 08-Feb-55 15-Feb-10 55.02 1955 2010 2
1 1.00 9 15-Feb-71 15-Feb-10 39.00 1971 2010 2
1 1.00 10 23-May-55 17-Feb-10 54.73 1955 2010 5
1 1.00 11 25-Sep-70 23-Feb-10 39.41 1970 2010 9
1 1.00 12 18-Aug-72 01-Feb-10 37.45 1972 2010 8
1 1.00 13 19-May-58 04-Feb-10 51.71 1958 2010 5
1 1.00 14 17-Aug-82 08-Feb-10 27.48 1982 2010 8
1 1.00 15 31-Jan-78 10-Feb-10 32.03 1978 2010 1
1 1.00 16 12-Apr-74 10-Feb-10 35.83 1974 2010 4
1 1.00 17 10-Aug-74 19-Feb-10 35.52 1974 2010 8
1 1.00 18 24-Aug-69 19-Feb-10 40.49 1969 2010 8
1 1.00 19 07-Jun-69 18-Feb-10 40.70 1969 2010 6
1 1.00 20 17-Nov-78 05-Feb-10 31.22 1978 2010 11
1 1.00 21 15-Sep-73 26-Feb-10 36.45 1973 2010 9
1 1.00 22 03-Dec-67 24-Feb-10 42.22 1967 2010 12
1 1.00 23 12-Dec-80 22-Feb-10 29.19 1980 2010 12
1 1.00 24 08-Apr-63 26-Feb-10 46.88 1963 2010 4
1 1.00 25 08-Apr-48 05-Feb-10 61.83 1948 2010 4
1 1.00 26 08-Jul-10 25-Feb-10 (0.37) 2010 2010 7
1 1.00 27 30-Dec-99 30-Dec-99 - 1899 1899 12
1 1.00 28 30-Dec-99 30-Dec-99 - 1899 1899 12
1 1.00 29 30-Dec-99 30-Dec-99 - 1899 1899 12
1 1.00 30 30-Dec-99 30-Dec-99 - 1899 1899 12
1 1.00 0 30-Dec-99 11-Jan-98 - 1899 2798 12

Expiry
No DOB Date y1 y2 m1
1 30-Mar-57 15-May-10 53.13 1957 2010 3
2 14-Oct-60 03-May-10 49.55 1960 2010 10
3 03-Feb-66 03-May-10 44.25 1966 2010 2
4 22-Feb-53 05-May-10 57.20 1953 2010 2
5 06-Sep-68 08-May-10 41.67 1968 2010 9
6 16-Mar-85 09-May-10 25.15 1985 2010 3
7 18-Sep-50 15-May-10 59.66 1950 2010 9
8 08-Feb-55 15-May-10 55.27 1955 2010 2
9 15-Feb-71 15-May-10 39.25 1971 2010 2
10 23-May-55 17-May-10 54.98 1955 2010 5
11 25-Sep-70 23-May-10 39.66 1970 2010 9
12 18-Aug-72 01-Aug-10 37.95 1972 2010 8
13 19-May-58 04-Aug-10 52.21 1958 2010 5
14 17-Aug-82 08-Aug-10 27.98 1982 2010 8
15 31-Jan-78 10-Aug-10 32.53 1978 2010 1
16 12-Apr-74 10-Aug-10 36.33 1974 2010 4
17 10-Aug-74 19-Aug-10 36.02 1974 2010 8
18 24-Aug-69 19-Aug-10 40.99 1969 2010 8
19 07-Jun-69 18-Aug-10 41.20 1969 2010 6
20 17-Nov-78 05-Aug-10 31.72 1978 2010 11
21 15-Sep-73 26-Aug-10 36.95 1973 2010 9
22 03-Dec-67 24-Aug-10 42.72 1967 2010 12
23 12-Dec-80 22-Aug-10 29.69 1980 2010 12
24 08-Apr-63 26-Aug-10 47.38 1963 2010 4
 25 08-Apr-48 05-May-10 62.08 1948 2010 4
26 08-Jul-10 25-May-10 (0.12) 2010 2010 7
27 30-Dec-99 30-Dec-99 - 1899 1899 12
28 30-Dec-99 30-Dec-99 - 1899 1899 12
29 30-Dec-99 30-Dec-99 - 1899 1899 12
30 30-Dec-99 30-Dec-99 - 1899 1899 12
0 30-Dec-99 30-Dec-99 - 1899 1899 12

Cancellations
Effective Expiry
No Date Date y1 y2 m1
1 30-Dec-99 30-Dec-99 - 1899 1899 12
2 30-Dec-99 30-Dec-99 - 1899 1899 12
3 30-Dec-99 30-Dec-99 - 1899 1899 12
4 30-Dec-99 30-Dec-99 - 1899 1899 12
5 30-Dec-99 30-Dec-99 - 1899 1899 12
6 30-Dec-99 30-Dec-99 - 1899 1899 12
7 30-Dec-99 30-Dec-99 - 1899 1899 12
8 30-Dec-99 30-Dec-99 - 1899 1899 12
9 30-Dec-99 30-Dec-99 - 1899 1899 12
10 30-Dec-99 30-Dec-99 - 1899 1899 12
11 30-Dec-99 30-Dec-99 - 1899 1899 12
12 30-Dec-99 30-Dec-99 - 1899 1899 12
13 30-Dec-99 30-Dec-99 - 1899 1899 12
14 30-Dec-99 30-Dec-99 - 1899 1899 12
15 30-Dec-99 30-Dec-99 - 1899 1899 12
16 30-Dec-99 30-Dec-99 - 1899 1899 12
17 30-Dec-99 30-Dec-99 - 1899 1899 12
18 30-Dec-99 30-Dec-99 - 1899 1899 12
19 30-Dec-99 30-Dec-99 - 1899 1899 12
20 30-Dec-99 30-Dec-99 - 1899 1899 12
21 30-Dec-99 30-Dec-99 - 1899 1899 12
22 30-Dec-99 30-Dec-99 - 1899 1899 12
23 30-Dec-99 30-Dec-99 - 1899 1899 12
24 30-Dec-99 30-Dec-99 - 1899 1899 12
25 30-Dec-99 30-Dec-99 - 1899 1899 12
26 30-Dec-99 30-Dec-99 - 1899 1899 12
27 30-Dec-99 30-Dec-99 - 1899 1899 12
28 30-Dec-99 30-Dec-99 - 1899 1899 12
29 30-Dec-99 30-Dec-99 - 1899 1899 12
30 30-Dec-99 30-Dec-99 - 1899 1899 12
0 30-Dec-99 30-Dec-99 - 1899 1899 12
m2 d1 d2 Reference
5 15 15 28 31 ### 1321.4602740 1324.4602740 0
5 3 3 28 31 ### 1321.0657534 1324.0657534 0
5 3 3 28 31 ### 1321.0657534 1324.0657534 0
5 5 5 28 31 ### 1321.1315068 1324.1315068 0
5 8 8 28 31 ### 1321.2301370 1324.2301370 0
5 9 9 28 31 ### 1321.2630137 1324.2630137 0
5 15 15 28 31 ### 1321.4602740 1324.4602740 0
5 15 15 28 31 ### 1321.4602740 1324.4602740 0
5 15 15 28 31 ### 1321.4602740 1324.4602740 0
5 17 17 28 31 ### 1321.5260274 1324.5260274 0
5 23 23 28 31 ### 1321.7232877 1324.7232877 0
8 1 1 28 31 ### 1321.0000000 1327.0000000 0
8 4 4 28 31 ### 1321.0986301 1327.0986301 0
8 8 8 28 31 ### 1321.2301370 1327.2301370 0
8 10 10 28 31 ### 1321.2958904 1327.2958904 0
8 10 10 28 31 ### 1321.2958904 1327.2958904 0
8 19 19 28 31 ### 1321.5917808 1327.5917808 0
8 19 19 28 31 ### 1321.5917808 1327.5917808 0
8 18 18 28 31 ### 1321.5589041 1327.5589041 0
8 5 5 28 31 ### 1321.1315068 1327.1315068 0
8 26 26 28 31 ### 1321.8219178 1327.8219178 0
8 24 24 28 31 ### 1321.7561644 1327.7561644 0
8 22 22 28 31 ### 1321.6904110 1327.6904110 0
8 26 26 28 31 ### 1321.8219178 1327.8219178 0
5 5 5 28 31 ### 1321.1315068 1324.1315068 0
5 25 25 28 31 ### 1321.7890411 1324.7890411 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0

m2 d1 d2 Reference
2 30 15 31 28 ### 686.9534247 1321.4602740 0
2 14 3 31 28 ### 729.4262295 1321.0657534 1
2 3 3 28 28 ### 793.0657534 1321.0657534 0
2 22 5 28 28 ### 637.6904110 1321.1315068 0
2 6 8 30 28 ### 824.1639344 1321.2301370 1
2 16 9 31 28 ### 1022.4931507 1321.2630137 0
2 18 15 30 28 ### 608.5589041 1321.4602740 0
2 8 15 28 28 ### 661.2301370 1321.4602740 0
2 15 15 28 28 ### 853.4602740 1321.4602740 0
 2 23 17 31 28 ### 664.7232877 1321.5260274 0
2 25 23 30 28 ### 848.7890411 1321.7232877 0
2 18 1 31 28 ### 871.5573770 1321.0000000 1
2 19 4 31 28 ### 700.5917808 1321.0986301 0
2 17 8 31 28 ### 991.5260274 1321.2301370 0
2 31 10 31 28 ### 936.9863014 1321.2958904 0
2 12 10 30 28 ### 891.3616438 1321.2958904 0
2 10 19 31 28 ### 895.2958904 1321.5917808 0
2 24 19 31 28 ### 835.7561644 1321.5917808 0
2 7 18 30 28 ### 833.1972603 1321.5589041 0
2 17 5 30 28 ### 946.5260274 1321.1315068 0
2 15 26 30 28 ### 884.4602740 1321.8219178 0
2 3 24 31 28 ### 815.0657534 1321.7561644 0
2 12 22 31 28 ### 971.3606557 1321.6904110 1
2 8 26 30 28 ### 759.2301370 1321.8219178 0
2 8 5 30 28 ### 579.2295082 1321.1315068 1
2 8 25 31 28 ### 1326.2301370 1321.7890411 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
1 30 11 31 31 ### -0.0465753 ### 0

m2 d1 d2 Reference
5 30 15 31 31 ### 686.9534247 1324.4602740 0
5 14 3 31 31 ### 729.4262295 1324.0657534 1
5 3 3 28 31 ### 793.0657534 1324.0657534 0
5 22 5 28 31 ### 637.6904110 1324.1315068 0
5 6 8 30 31 ### 824.1639344 1324.2301370 1
5 16 9 31 31 ### 1022.4931507 1324.2630137 0
5 18 15 30 31 ### 608.5589041 1324.4602740 0
5 8 15 28 31 ### 661.2301370 1324.4602740 0
5 15 15 28 31 ### 853.4602740 1324.4602740 0
5 23 17 31 31 ### 664.7232877 1324.5260274 0
5 25 23 30 31 ### 848.7890411 1324.7232877 0
8 18 1 31 31 ### 871.5573770 1327.0000000 1
8 19 4 31 31 ### 700.5917808 1327.0986301 0
8 17 8 31 31 ### 991.5260274 1327.2301370 0
8 31 10 31 31 ### 936.9863014 1327.2958904 0
8 12 10 30 31 ### 891.3616438 1327.2958904 0
8 10 19 31 31 ### 895.2958904 1327.5917808 0
8 24 19 31 31 ### 835.7561644 1327.5917808 0
8 7 18 30 31 ### 833.1972603 1327.5589041 0
8 17 5 30 31 ### 946.5260274 1327.1315068 0
8 15 26 30 31 ### 884.4602740 1327.8219178 0
8 3 24 31 31 ### 815.0657534 1327.7561644 0
8 12 22 31 31 ### 971.3606557 1327.6904110 1
8 8 26 30 31 ### 759.2301370 1327.8219178 0
 5 8 5 30 31 ### 579.2295082 1324.1315068 1
5 8 25 31 31 ### 1326.2301370 1324.7890411 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0

m2 d1 d2 Reference
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
12 30 30 31 31 ### -0.0465753 -0.0465753 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0

0 0 0 0 0
0 1 0 0 0
0 0 0 0 0
0 0 0 0 0
0 1 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 1 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 1 0 0 0
0 0 0 0 0
0 1 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0

0 0 0 0 0
0 1 0 0 0
0 0 0 0 0
0 0 0 0 0
0 1 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 1 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 1 0 0 0
0 0 0 0 0
0 1 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0

0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
CLIMBS Loan Protection Program
Gross Rates by Age Last Birthday and Loan Term (months)

TERM AGE LAST BIRTHDAY

IN MONTHS 55 56 57 58 59 60 61 62
1 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
2 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
3 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
4 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
5 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
6 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
7 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
8 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
9 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
10 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
11 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
12 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
13 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
14 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
15 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
16 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
17 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
18 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
19 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
20 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
21 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
22 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
23 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
24 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
25 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
26 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
27 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
28 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
29 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
30 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
31 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
32 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
33 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
34 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
35 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
36 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
37 - - - - - - - -
38 - - - - - - - -
39 - - - - - - - -
40 - - - - - - - -
41 - - - - - - - -
42 - - - - - - - -
43 - - - - - - - -
 44 - - - - - - - -
45 - - - - - - - -
46 - - - - - - - -
47 - - - - - - - -
48 - - - - - - - -
49 - - - - - - - -
50 - - - - - - - -
51 - - - - - - - -
52 - - - - - - - -
53 - - - - - - - -
54 - - - - - - - -
55 - - - - - - - -
56 - - - - - - - -
57 - - - - - - - -
58 - - - - - - - -
59 - - - - - - - -
60 - - - - - - - -

NOTE: Coverage terminates at age 70

MinAge 18
MaxAge 69
MaxTerm 36
MinTerm 1
MaxADDag 65
AGE LAST BIRTHDAY
63 64 65 66 67 68 69 70+
0.75 0.75 0.75 4.10 4.52 5.00 5.52 -
0.75 0.75 0.75 4.10 4.52 5.00 5.52 -
0.75 0.75 0.75 4.10 4.52 5.00 5.52 -
0.75 0.75 0.75 4.10 4.52 5.00 5.52 -
0.75 0.75 0.75 4.10 4.52 5.00 5.52 -
0.75 0.75 0.75 4.10 4.52 5.00 5.52 -
0.75 0.75 0.75 4.10 4.52 5.00 5.52 -
0.75 0.75 0.75 4.10 4.52 5.00 5.52 -
0.75 0.75 0.75 4.10 4.52 5.00 5.52 -
0.75 0.75 0.75 4.10 4.52 5.00 5.52 -
0.75 0.75 0.75 4.10 4.52 5.00 5.52 -
0.75 0.75 0.75 4.10 4.52 5.00 5.52 -
0.75 0.75 1.47 4.13 4.56 5.04 - -
0.75 0.75 1.66 4.16 4.59 5.07 - -
0.75 0.75 1.82 4.18 4.62 5.10 - -
0.75 0.75 1.96 4.21 4.64 5.13 - -
0.75 0.75 2.09 4.22 4.66 5.15 - -
0.75 0.75 2.20 4.24 4.68 5.17 - -
0.75 0.75 2.30 4.25 4.70 5.19 - -
0.75 0.75 2.39 4.27 4.71 5.21 - -
0.75 0.75 2.47 4.28 4.73 5.22 - -
0.75 0.75 2.55 4.29 4.74 5.24 - -
0.75 0.75 2.61 4.30 4.75 5.25 - -
0.75 0.75 2.68 4.31 4.76 5.26 - -
0.75 1.36 2.75 4.34 4.79 - - -
0.75 1.47 2.82 4.36 4.82 - - -
0.75 1.57 2.88 4.39 4.84 - - -
0.75 1.66 2.94 4.41 4.87 - - -
0.75 1.74 2.99 4.43 4.89 - - -
0.75 1.82 3.04 4.45 4.91 - - -
0.75 1.89 3.09 4.47 4.93 - - -
0.75 1.96 3.14 4.48 4.95 - - -
0.75 2.03 3.18 4.50 4.97 - - -
0.75 2.09 3.22 4.51 4.98 - - -
0.75 2.15 3.25 4.53 5.00 - - -
0.75 2.20 3.29 4.54 5.01 - - -
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