|   (For valuation dates occurring after April 30, 1999)  |  |||||||||
|   INTEREST RATE  |  |||||||||
|   AGE  |    3.0%  |    3.2%  |    3.4%  |    3.6%  |    3.8%  |    4.0%  |    4.2%  |    4.4%  |    4.6%  |  
|   35  |    23.0151  |    22.2347  |    21.4960  |    20.7963  |    20.1331  |    19.5040  |    18.9067  |    18.3393  |    17.7998  |  
|   36  |    22.7471  |    21.9863  |    21.2657  |    20.5826  |    19.9347  |    19.3196  |    18.7352  |    18.1796  |    17.6510  |  
|   37  |    22.4728  |    21.7317  |    21.0293  |    20.3629  |    19.7303  |    19.1293  |    18.5579  |    18.0143  |    17.4968  |  
|   38  |    22.1916  |    21.4704  |    20.7862  |    20.1366  |    19.5195  |    18.9327  |    18.3745  |    17.8431  |    17.3368  |  
|   39  |    21.9039  |    21.2026  |    20.5366  |    19.9039  |    19.3023  |    18.7300  |    18.1851  |    17.6659  |    17.1710  |  
|   40  |    21.6092  |    20.9277  |    20.2801  |    19.6643  |    19.0784  |    18.5206  |    17.9891  |    17.4824  |    16.9990  |  
|   41  |    21.3071  |    20.6455  |    20.0163  |    19.4176  |    18.8474  |    18.3042  |    17.7862  |    17.2921  |    16.8204  |  
|   42  |    20.9978  |    20.3561  |    19.7454  |    19.1637  |    18.6094  |    18.0809  |    17.5766  |    17.0951  |    16.6351  |  
|   43  |    20.6815  |    20.0597  |    19.4674  |    18.9029  |    18.3645  |    17.8507  |    17.3601  |    16.8914  |    16.4434  |  
|   44  |    20.3583  |    19.7564  |    19.1825  |    18.6351  |    18.1127  |    17.6137  |    17.1369  |    16.6811  |    16.2450  |  
|   45  |    20.0293  |    19.4471  |    18.8916  |    18.3613  |    17.8548  |    17.3707  |    16.9078  |    16.4648  |    16.0408  |  
|   46  |    19.6943  |    19.1317  |    18.5945  |    18.0813  |    17.5907  |    17.1215  |    16.6724  |    16.2425  |    15.8306  |  
|   47  |    19.3543  |    18.8112  |    18.2922  |    17.7960  |    17.3212  |    16.8668  |    16.4316  |    16.0147  |    15.6149  |  
|   48  |    19.0090  |    18.4852  |    17.9843  |    17.5050  |    17.0460  |    16.6064  |    16.1851  |    15.7811  |    15.3935  |  
|   49  |    18.6586  |    18.1541  |    17.6711  |    17.2085  |    16.7653  |    16.3405  |    15.9330  |    15.5419  |    15.1665  |  
|   50  |    18.3029  |    17.8173  |    17.3521  |    16.9063  |    16.4787  |    16.0685  |    15.6748  |    15.2968  |    14.9336  |  
|   51  |    17.9422  |    17.4754  |    17.0279  |    16.5986  |    16.1866  |    15.7910  |    15.4110  |    15.0459  |    14.6949  |  
|   52  |    17.5776  |    17.1294  |    16.6992  |    16.2863  |    15.8897  |    15.5087  |    15.1424  |    14.7901  |    14.4512  |  
|   53  |    17.2094  |    16.7794  |    16.3665  |    15.9697  |    15.5884  |    15.2217  |    14.8690  |    14.5295  |    14.2026  |  
|   54  |    16.8378  |    16.4258  |    16.0299  |    15.6491  |    15.2829  |    14.9304  |    14.5911  |    14.2643  |    13.9494  |  
|   55  |    16.4630  |    16.0687  |    15.6894  |    15.3245  |    14.9731  |    14.6347  |    14.3087  |    13.9945  |    13.6915  |  
|   56  |    16.0851  |    15.7082  |    15.3454  |    14.9959  |    14.6593  |    14.3348  |    14.0219  |    13.7202  |    13.4290  |  
|   57  |    15.7044  |    15.3446  |    14.9979  |    14.6638  |    14.3416  |    14.0308  |    13.7310  |    13.4415  |    13.1621  |  
|   58  |    15.3221  |    14.9790  |    14.6482  |    14.3290  |    14.0211  |    13.7238  |    13.4368  |    13.1595  |    12.8915  |  
|   59  |    14.9392  |    14.6124  |    14.2970  |    13.9926  |    13.6986  |    13.4146  |    13.1402  |    12.8748  |    12.6183  |  
|   60  |    14.5560  |    14.2452  |    13.9449  |    13.6549  |    13.3746  |    13.1036  |    12.8415  |    12.5879  |    12.3426  |  
|   61  |    14.1723  |    13.8770  |    13.5916  |    13.3156  |    13.0487  |    12.7904  |    12.5404  |    12.2985  |    12.0641  |  
|   62  |    13.7872  |    13.5071  |    13.2361  |    12.9739  |    12.7201  |    12.4743  |    12.2363  |    12.0057  |    11.7822  |  
|   63  |    13.4007  |    13.1354  |    12.8785  |    12.6298  |    12.3888  |    12.1553  |    11.9290  |    11.7095  |    11.4967  |  
|   64  |    13.0136  |    12.7626  |    12.5195  |    12.2839  |    12.0555  |    11.8339  |    11.6191  |    11.4106  |    11.2082  |  
|   65  |    12.6260  |    12.3890  |    12.1593  |    11.9364  |    11.7202  |    11.5104  |    11.3067  |    11.1090  |    10.9169  |  
|   66  |    12.2375  |    12.0141  |    11.7974  |    11.5870  |    11.3827  |    11.1843  |    10.9916  |    10.8043  |    10.6223  |  
|   67  |    11.8474  |    11.6373  |    11.4332  |    11.2349  |    11.0422  |    10.8550  |    10.6729  |    10.4959  |    10.3238  |  
|   68  |    11.4565  |    11.2592  |    11.0673  |    10.8808  |    10.6995  |    10.5231  |    10.3515  |    10.1845  |    10.0219  |  
|   69  |    11.0660  |    10.8809  |    10.7010  |    10.5259  |    10.3555  |    10.1896  |    10.0281  |    9.8709  |    9.7177  |  
|   70  |    10.6773  |    10.5041  |    10.3356  |    10.1715  |    10.0117  |    9.8560  |    9.7043  |    9.5565  |    9.4124  |  
|   71  |    10.2919  |    10.1302  |    9.9726  |    9.8191  |    9.6695  |    9.5236  |    9.3814  |    9.2427  |    9.1074  |  
|   72  |    9.9107  |    9.7599  |    9.6128  |    9.4695  |    9.3296  |    9.1932  |    9.0601  |    8.9302  |    8.8034  |  
|   73  |    9.5343  |    9.3939  |    9.2570  |    9.1233  |    8.9928  |    8.8655  |    8.7411  |    8.6197  |    8.5011  |  
|   74  |    9.1617  |    9.0313  |    8.9040  |    8.7796  |    8.6581  |    8.5395  |    8.4235  |    8.3102  |    8.1995  |  
|   75  |    8.7918  |    8.6709  |    8.5528  |    8.4374  |    8.3245  |    8.2142  |    8.1064  |    8.0009  |    7.8977  |  
|   76  |    8.4237  |    8.3120  |    8.2027  |    8.0958  |    7.9912  |    7.8889  |    7.7888  |    7.6909  |    7.5950  |  
|   77  |    8.0577  |    7.9546  |    7.8537  |    7.7550  |    7.6583  |    7.5637  |    7.4711  |    7.3803  |    7.2915  |  
|   78  |    7.6944  |    7.5996  |    7.5067  |    7.4157  |    7.3266  |    7.2393  |    7.1538  |    7.0700  |    6.9878  |  
|   79  |    7.3357  |    7.2487  |    7.1634  |    7.0798  |    6.9978  |    6.9175  |    6.8387  |    6.7614  |    6.6857  |  
|   80  |    6.9842  |    6.9045  |    6.8263  |    6.7496  |    6.6744  |    6.6006  |    6.5282  |    6.4572  |    6.3875  |  
|   81  |    6.6420  |    6.5691  |    6.4976  |    6.4274  |    6.3585  |    6.2908  |    6.2245  |    6.1593  |    6.0952  |  
|   82  |    6.3101  |    6.2436  |    6.1782  |    6.1141  |    6.0511  |    5.9892  |    5.9284  |    5.8687  |    5.8100  |  
|   83  |    5.9884  |    5.9278  |    5.8683  |    5.8098  |    5.7523  |    5.6958  |    5.6402  |    5.5856  |    5.5319  |  
|   84  |    5.6748  |    5.6197  |    5.5656  |    5.5123  |    5.4600  |    5.4085  |    5.3578  |    5.3080  |    5.2590  |