No. S 416
Central Provident Fund Act
(CHAPTER 36)
Central Provident Fund
(Home Protection Insurance Scheme)
(Amendment) Regulations 2018
In exercise of the powers conferred by section 39 of the Central Provident Fund Act, the Minister for Manpower makes the following Regulations:
Citation and commencement
1.  These Regulations are the Central Provident Fund (Home Protection Insurance Scheme) (Amendment) Regulations 2018 and come into operation on 1 July 2018.
Amendment of Second Schedule
2.  The Second Schedule to the Central Provident Fund (Home Protection Insurance Scheme) Regulations (Rg 11) is amended —
(a)by deleting Table 1B and substituting the following Table:
TABLE 1B
(For policies entered into, adjusted or renewed with
policy year commencing on or after 1 July 2018)
HOME PROTECTION INSURANCE ANNUAL
PREMIUM RATE PER $10,000 INITIAL COVER
FOR MALE SCHEME MEMBER
(LOANS UNDER CONCESSIONARY INTEREST RATE)
Age Next Birthday
Term of Loan
 
1
2
3
4
5
20
4.72
8.87
6.57
5.81
5.42
21
4.72
8.87
6.57
5.81
5.42
22
4.72
8.87
6.57
5.81
5.42
23
4.72
8.87
6.57
5.81
5.42
24
4.72
8.87
6.57
5.81
5.42
25
4.72
8.87
6.57
5.81
5.42
26
4.72
8.87
6.57
5.81
5.42
27
4.72
8.87
6.57
5.81
5.42
28
4.72
8.87
6.57
5.81
5.42
29
4.72
8.87
6.57
5.81
5.42
30
4.72
8.87
6.57
5.81
5.42
31
4.72
8.87
6.57
5.81
5.42
32
4.72
8.87
6.57
5.81
5.42
33
4.72
8.87
6.57
5.81
5.42
34
4.72
8.87
6.57
5.81
5.42
35
4.72
8.87
6.57
5.88
5.52
36
4.79
9.17
7.04
6.49
6.34
37
5.13
10.09
7.77
7.17
7.01
38
5.69
11.15
8.61
7.97
7.79
39
6.30
12.36
9.57
8.85
8.68
40
7.03
13.76
10.66
9.88
9.68
41
7.06
13.79
10.69
9.91
9.71
42
7.27
14.42
11.14
10.31
10.11
43
7.94
15.91
12.26
11.34
11.11
44
8.70
17.60
13.52
12.49
12.24
45
9.58
19.52
14.97
13.82
13.54
46
11.75
23.96
18.29
16.94
16.60
47
12.68
26.28
20.04
18.45
18.07
48
13.76
28.92
21.96
20.18
19.74
49
15.01
31.90
24.13
22.15
21.64
50
16.45
35.25
26.58
24.37
23.81
51
18.10
38.98
29.35
26.88
26.23
52
18.86
42.04
31.33
28.58
27.85
53
19.88
45.56
33.67
30.60
29.79
54
21.13
49.59
36.39
32.98
32.07
55
22.69
54.15
39.54
35.75
34.27
56
27.87
65.79
48.15
43.56
41.23
57
34.48
76.32
56.83
51.74
48.55
58
41.48
87.59
66.08
60.47
56.25
59
48.89
99.67
75.95
69.76
64.35
60
56.75
112.61
86.48
79.64
74.48
61
59.18
115.04
88.91
82.07
77.71
62
62.60
121.54
93.90
86.64
102.07
63
68.72
133.35
103.01
128.23
141.91
64
75.38
146.17
191.64
214.35
227.97
65
82.60
116.99
128.45
134.18
134.56
Where the premium payable is less than $1.00, the minimum premium of $1.00 is charged.
The annual premium is payable for 90% (rounded down to the nearest year) of the period of cover, or for such lesser percentage of the period of cover as the Board may, in its discretion, determine, subject to a minimum of one year.
Age Next Birthday
Term of Loan
 
6
7
8
9
10
20
5.20
5.05
4.95
4.89
4.84
21
5.20
5.05
4.95
4.89
4.84
22
5.20
5.05
4.95
4.89
4.84
23
5.20
5.05
4.95
4.89
4.84
24
5.20
5.05
4.95
4.89
4.84
25
5.20
5.05
4.95
4.89
4.84
26
5.20
5.05
4.95
4.89
4.84
27
5.20
5.05
4.95
4.89
4.84
28
5.20
5.05
4.95
4.89
4.84
29
5.20
5.05
4.95
4.89
4.84
30
5.20
5.05
4.95
4.89
4.84
31
5.20
5.05
4.95
4.89
4.84
32
5.20
5.05
4.95
4.89
5.02
33
5.20
5.05
5.12
5.09
5.25
34
5.32
5.20
5.30
5.30
5.49
35
5.45
5.35
5.48
5.51
5.73
36
6.33
6.41
6.56
6.75
6.98
37
6.95
6.98
7.08
7.24
7.42
38
7.66
7.64
7.70
7.81
7.97
39
8.49
8.42
8.45
8.51
8.63
40
9.37
9.12
9.02
8.99
9.03
41
9.39
9.21
9.11
9.08
9.11
42
9.77
9.57
9.46
9.42
9.43
43
10.74
10.53
10.42
10.39
10.41
44
11.86
11.64
11.53
11.51
11.56
45
13.12
12.89
12.80
12.79
12.86
46
16.15
15.96
15.92
15.99
16.15
47
17.56
17.32
17.26
17.32
17.48
48
19.17
18.90
18.82
18.88
19.05
49
21.00
20.71
20.62
20.68
20.85
50
23.10
22.77
22.67
22.73
22.94
51
25.46
25.10
24.99
25.08
25.30
52
27.10
26.81
26.81
27.00
27.35
53
29.06
28.85
28.94
29.26
29.75
54
31.37
31.22
31.42
31.87
32.50
55
33.54
33.42
33.70
34.25
35.02
56
40.45
40.40
40.89
41.67
42.70
57
47.53
47.30
47.67
48.40
54.43
58
54.97
54.54
54.83
61.71
66.97
59
62.63
61.81
69.95
75.99
80.58
60
73.84
82.06
89.51
94.85
95.22
61
85.76
93.05
98.22
101.85
104.39
62
112.07
118.75
123.57
127.02
129.51
63
150.93
157.06
161.52
164.81
167.25
64
236.65
242.73
247.19
250.56
253.16
65
134.94
135.32
135.70
136.08
136.46
Age Next Birthday
Term of Loan
 
11
12
13
14
15
20
5.23
5.16
5.12
5.09
5.09
21
5.23
5.16
5.12
5.09
5.09
22
5.23
5.16
5.12
5.09
5.09
23
5.23
5.16
5.12
5.09
5.09
24
5.23
5.16
5.12
5.09
5.09
25
5.23
5.16
5.12
5.09
5.09
26
5.23
5.16
5.12
5.09
5.09
27
5.23
5.16
5.12
5.09
5.09
28
5.23
5.16
5.12
5.09
5.21
29
5.23
5.16
5.25
5.38
5.53
30
5.35
5.35
5.45
5.58
5.73
31
5.35
5.45
5.58
5.73
5.91
32
5.63
5.74
5.89
6.06
6.28
33
5.91
6.04
6.21
6.40
6.81
34
6.19
6.34
6.53
6.74
7.44
35
6.47
6.64
6.85
7.08
7.85
36
7.75
7.85
7.98
8.13
8.30
37
8.25
8.32
8.42
8.55
8.68
38
8.43
8.89
8.95
9.02
9.11
39
8.96
9.29
9.42
9.55
9.97
40
9.55
10.79
11.00
11.24
11.50
41
10.38
10.84
11.06
11.31
11.51
42
10.71
10.89
11.11
11.37
11.64
43
11.79
11.94
12.15
12.40
12.68
44
13.05
13.21
13.43
13.70
14.03
45
14.31
14.26
14.27
14.34
14.48
46
17.76
17.53
17.38
17.30
17.26
47
19.47
19.38
19.38
19.44
19.55
48
21.39
21.44
21.55
21.74
21.98
49
23.55
23.71
23.93
24.22
24.53
50
26.21
26.69
27.28
27.96
28.68
51
29.20
29.99
31.02
32.11
33.26
52
31.80
32.81
34.15
35.59
39.25
53
34.78
36.05
37.75
42.20
46.03
54
37.95
39.22
44.70
49.49
53.76
55
41.32
47.07
52.32
56.89
60.92
56
49.43
55.06
60.18
64.69
68.68
57
60.53
65.64
70.26
74.29
77.85
58
72.49
77.12
81.20
84.77
87.88
59
85.56
87.93
91.44
94.46
97.10
60
95.59
98.05
100.84
103.22
105.28
61
107.56
110.14
112.29
114.07
115.58
62
132.37
134.69
136.63
138.26
139.63
63
169.80
171.89
173.63
175.09
176.35
64
255.54
257.52
259.17
260.57
261.77
65
136.77
136.98
137.11
137.17
137.20
Age Next Birthday
Term of Loan
 
16
17
18
19
20
20
5.09
5.09
5.09
5.09
5.09
21
5.09
5.09
5.09
5.09
5.09
22
5.09
5.09
5.09
5.09
5.09
23
5.09
5.09
5.09
5.09
5.09
24
5.09
5.09
5.09
5.09
5.22
25
5.09
5.09
5.09
5.22
5.38
26
5.09
5.09
5.22
5.38
5.54
27
5.09
5.19
5.34
5.49
5.66
28
5.32
5.47
5.62
5.79
5.99
29
5.66
5.81
5.98
6.16
6.37
30
5.86
6.02
6.17
6.37
6.58
31
6.06
6.20
6.39
6.58
6.80
32
6.40
6.53
6.70
6.88
7.09
33
6.90
7.01
7.15
7.31
7.49
34
7.51
7.59
7.70
7.86
8.02
35
7.92
8.03
8.16
8.32
8.52
36
8.40
8.52
8.68
8.88
9.13
37
8.82
9.00
9.22
9.49
9.81
38
9.69
9.54
9.85
10.20
10.61
39
9.82
10.16
10.55
11.00
11.14
40
11.14
11.21
11.33
11.49
11.69
41
11.53
11.61
11.72
11.88
12.09
42
11.79
11.96
12.16
12.39
12.66
43
12.93
13.22
13.51
13.83
14.16
44
14.38
14.73
15.09
15.44
15.81
45
15.05
15.63
16.30
16.97
17.63
46
18.11
18.98
20.00
21.04
22.10
47
20.37
21.20
22.29
23.42
25.41
48
22.78
23.58
24.76
27.00
28.93
49
25.04
25.54
28.16
30.54
32.68
50
29.57
31.94
34.36
36.51
38.41
51
36.07
38.45
40.82
42.94
44.82
52
42.23
44.79
47.30
49.54
51.56
53
49.22
52.01
54.65
57.01
59.15
54
57.18
60.23
62.98
65.49
67.77
55
64.29
67.32
70.06
72.56
74.83
56
71.99
74.95
77.67
80.15
82.42
57
80.88
83.62
86.10
88.34
90.42
58
90.64
93.11
95.34
97.38
99.24
59
99.51
101.67
103.63
105.39
107.01
60
107.31
109.13
110.76
112.24
113.59
61
117.27
118.78
120.14
121.36
122.47
62
141.12
142.45
143.64
144.71
145.67
63
177.64
178.77
179.80
180.71
181.53
64
262.91
263.93
264.84
265.65
266.38
65
137.60
137.96
138.32
138.63
138.94
Age Next Birthday
Term of Loan
 
21
22
23
24
25
20
5.09
5.09
5.09
5.22
5.38
21
5.09
5.09
5.22
5.38
5.54
22
5.09
5.22
5.38
5.54
5.72
23
5.22
5.38
5.54
5.72
6.11
24
5.38
5.54
5.72
6.11
6.29
25
5.54
5.72
6.11
6.29
6.49
26
5.72
6.11
6.29
6.49
6.71
27
6.03
6.24
6.43
6.67
6.90
28
6.38
6.59
6.81
7.05
7.31
29
6.56
6.78
7.11
7.34
7.52
30
6.79
7.21
7.40
7.61
7.83
31
7.20
7.38
7.56
7.77
8.00
32
7.52
7.69
7.87
8.07
8.29
33
7.94
8.10
8.28
8.46
8.66
34
8.49
8.63
8.79
8.95
9.12
35
9.02
9.14
9.30
9.44
9.60
36
9.64
9.76
9.88
10.00
10.15
37
10.44
10.61
10.80
11.00
11.19
38
11.33
11.58
11.83
12.08
12.32
39
11.71
12.64
12.94
13.23
13.51
40
12.62
13.52
14.22
14.79
15.37
41
13.06
13.84
14.48
15.13
15.81
42
13.89
14.55
15.29
16.05
17.23
43
15.55
16.33
17.21
18.60
19.88
44
17.32
18.13
19.81
21.36
22.79
45
19.37
21.01
22.62
24.09
25.46
46
24.01
25.74
27.41
28.96
30.37
47
27.32
29.03
30.67
32.18
33.59
48
30.82
32.56
34.16
35.65
37.03
49
34.58
36.29
37.89
39.36
40.72
50
40.31
42.04
43.64
45.11
46.46
51
46.71
48.45
50.03
51.50
52.86
52
53.48
55.25
56.89
58.40
59.79
53
61.12
62.92
64.58
66.13
67.56
54
69.77
71.60
73.29
74.86
76.32
55
76.79
78.59
80.26
81.81
83.27
56
84.33
86.10
87.73
89.26
90.69
57
92.19
93.84
95.37
96.79
98.13
58
100.89
102.41
103.83
105.14
106.38
59
108.48
109.85
111.12
112.31
113.42
60
114.88
116.08
117.18
118.23
119.20
61
123.59
124.64
125.61
126.53
127.39
62
146.64
147.53
148.37
149.14
149.86
63
182.35
183.09
183.78
184.42
185.01
64
267.07
267.70
268.28
268.83
269.32
65
139.33
139.72
140.08
140.45
140.79
Age Next Birthday
Term of Loan
 
26
27
28
29
30
20
5.47
5.58
5.89
5.99
6.09
21
5.65
5.96
6.06
6.15
6.27
22
6.03
6.13
6.23
6.36
6.50
23
6.22
6.35
6.50
6.61
6.75
24
6.42
6.57
6.68
6.81
6.95
25
6.64
6.75
6.88
7.01
7.18
26
6.82
6.95
7.08
7.24
7.40
27
7.03
7.19
7.34
7.51
7.69
28
7.44
7.58
7.74
7.91
8.57
29
7.71
7.92
8.08
8.50
8.67
30
8.08
8.26
8.42
8.59
8.78
31
8.18
8.35
8.52
8.71
8.90
32
8.46
8.62
8.80
8.98
9.16
33
8.82
8.98
9.16
9.33
9.52
34
9.28
9.45
9.61
9.78
9.97
35
9.81
10.03
10.26
10.49
10.72
36
10.43
10.73
11.02
11.32
11.62
37
11.60
12.05
12.46
12.90
13.58
38
12.89
13.49
14.06
14.90
15.66
39
14.34
15.21
15.39
16.28
17.04
40
15.70
15.82
16.85
17.72
18.53
41
15.94
16.99
17.89
18.71
19.48
42
18.36
19.41
20.33
21.18
21.98
43
21.01
22.06
23.00
23.87
24.68
44
23.91
24.94
25.90
26.79
27.62
45
26.59
27.64
28.62
29.52
30.37
46
31.59
32.71
33.77
34.73
35.64
47
34.79
35.91
36.95
37.92
38.82
48
38.22
39.32
40.35
41.31
42.20
49
41.88
42.97
43.99
44.94
45.82
50
47.66
48.76
49.80
50.76
51.67
51
54.07
55.19
56.24
57.23
58.13
52
61.02
62.17
63.25
64.25
65.18
53
68.82
69.99
71.08
72.10
73.07
54
77.60
78.79
79.90
80.94
81.92
55
84.51
85.69
86.78
87.81
88.78
56
91.90
93.05
94.13
95.13
96.10
57
99.28
100.37
101.39
102.35
103.25
58
107.46
108.47
109.44
110.34
111.21
59
114.39
115.33
116.21
117.04
117.83
60
120.08
120.91
121.70
122.46
123.17
61
128.19
128.93
129.65
130.36
131.00
62
150.55
151.19
151.79
152.37
152.91
63
185.56
186.08
186.58
187.05
187.48
64
269.77
270.19
270.60
270.96
271.33
65
141.14
141.45
141.79
142.10
142.40
Age Next Birthday
Term of Loan
 
31
32
33
34
35
20
6.26
6.39
6.41
6.44
6.47
21
6.39
6.42
6.44
6.47
6.50
22
6.74
6.94
7.16
7.38
7.62
23
6.94
7.17
7.38
7.62
7.71
24
7.17
7.39
7.62
7.71
7.81
25
7.39
7.63
7.71
7.81
7.90
26
7.63
7.72
7.81
7.90
8.00
27
7.94
8.05
8.15
8.25
8.35
28
8.79
9.02
9.25
9.61
9.78
29
8.89
9.12
9.47
9.63
9.84
30
9.00
9.34
9.50
9.70
9.91
31
9.23
9.38
9.58
9.78
10.00
32
9.59
9.84
10.19
10.53
11.02
33
10.07
10.43
10.91
11.56
12.17
34
10.53
10.86
11.75
12.61
13.41
35
11.56
12.36
13.26
14.11
14.91
36
12.59
13.49
14.46
15.38
16.24
37
14.57
15.47
16.43
17.33
18.18
38
16.67
17.62
18.57
19.45
20.31
39
18.04
19.00
19.89
20.74
21.56
40
19.51
20.40
21.25
22.04
22.79
41
20.34
21.14
21.90
22.62
23.30
42
22.83
23.62
24.39
25.10
25.77
43
25.53
26.33
27.09
27.79
28.47
44
28.47
29.27
30.02
30.73
31.40
45
31.20
31.98
32.73
33.42
34.07
46
36.51
37.33
38.09
38.82
39.50
47
39.67
40.47
41.23
41.95
42.63
48
43.04
43.84
44.58
45.28
45.95
49
46.66
47.43
48.16
48.85
49.51
50
52.50
53.29
54.02
54.73
55.39
51
58.98
59.77
60.53
61.22
61.89
52
66.04
66.86
67.63
68.34
69.02
53
73.95
74.76
75.53
76.27
76.96
54
82.80
83.63
84.42
85.15
85.86
55
89.64
90.45
91.22
91.95
92.64
56
96.93
97.72
98.47
99.19
99.87
57
104.06
104.82
105.52
106.21
106.86
58
111.95
112.68
113.36
114.03
114.63
59
118.53
119.20
119.83
120.44
121.01
60
123.81
124.41
124.99
125.55
126.07
61
131.58
132.14
132.67
133.19
133.68
62
153.40
153.87
154.31
154.75
155.15
63
187.89
188.27
188.61
188.97
189.30
64
271.65
271.95
272.25
272.52
272.78
65
142.68
142.94
143.18
143.46
143.70
Age Next Birthday
Term of Loan
 
36
37
38
39
40
20
6.35
6.37
6.46
6.58
7.19
21
6.59
6.70
7.38
7.33
7.29
22
7.56
7.52
7.47
7.43
7.65
23
7.66
7.61
7.57
7.79
8.03
24
7.75
7.71
7.93
8.17
8.43
25
7.85
8.07
8.31
8.57
8.83
26
8.21
8.45
8.71
8.97
9.26
27
8.62
8.92
9.23
9.57
9.99
28
9.93
10.09
10.07
10.30
10.76
29
10.03
10.41
10.59
11.09
11.55
30
10.15
10.73
11.30
11.81
12.31
31
10.61
11.21
11.76
12.28
12.77
32
11.68
12.30
12.88
13.42
13.95
33
12.84
13.49
14.10
14.68
15.23
34
14.12
14.80
15.44
16.05
16.64
35
15.66
16.36
17.04
17.68
18.29
36
17.01
17.74
18.44
19.10
19.73
37
18.96
19.69
20.39
21.04
21.68
38
21.08
21.81
22.50
23.16
23.80
39
22.29
23.00
23.66
24.31
25.66
40
23.50
24.17
24.82
25.43
26.01
41
23.96
24.60
25.21
25.78
26.33
42
26.44
27.07
27.67
28.25
28.80
43
29.14
29.76
30.36
30.93
31.48
44
32.05
32.69
33.28
33.85
34.39
45
34.72
35.34
35.92
36.48
37.01
46
40.17
40.81
41.40
41.97
42.52
47
43.28
43.90
44.49
45.05
45.59
48
46.59
47.21
47.78
48.33
48.86
49
50.12
50.73
51.30
51.83
52.35
50
56.01
56.62
57.20
57.73
58.25
51
62.52
63.13
63.71
64.24
64.77
52
69.67
70.28
70.85
71.40
71.93
53
77.62
78.23
78.83
79.37
79.90
54
86.51
87.13
87.73
88.28
88.82
55
93.28
93.87
94.46
95.01
95.52
56
100.48
101.06
101.61
102.14
102.66
57
107.45
108.00
108.54
109.06
109.55
58
115.19
115.73
116.23
116.73
117.21
59
121.53
122.04
122.50
122.96
123.41
60
126.55
127.01
127.44
127.86
128.27
61
134.12
134.55
134.96
135.35
135.73
62
155.53
155.88
156.22
156.54
156.87
63
189.60
189.88
190.16
190.42
190.66
64
273.02
273.24
273.46
273.67
273.87
65
143.91
144.11
144.32
144.53
144.72
”;
(b)by deleting Table 2B and substituting the following Table:
TABLE 2B
(For policies entered into, adjusted or renewed with
policy year commencing on or after 1 July 2018)
HOME PROTECTION INSURANCE ANNUAL
PREMIUM RATE PER $10,000 INITIAL COVER
FOR FEMALE SCHEME MEMBER
(LOANS UNDER CONCESSIONARY INTEREST RATE)
Age Next Birthday
Term of Loan
 
1
2
3
4
5
20
4.72
8.82
6.52
5.80
5.42
21
4.72
8.87
6.52
5.81
5.42
22
4.72
8.87
6.57
5.81
5.42
23
4.72
8.87
6.57
5.81
5.42
24
4.72
8.87
6.57
5.81
5.42
25
4.72
8.87
6.57
5.81
5.42
26
4.72
8.87
6.57
5.81
5.42
27
4.72
8.87
6.57
5.81
5.42
28
4.72
8.87
6.57
5.81
5.42
29
4.72
8.87
6.57
5.81
5.42
30
4.72
8.87
6.57
5.81
5.42
31
4.72
8.87
6.57
5.81
5.42
32
4.72
8.87
6.57
5.81
5.42
33
4.72
8.87
6.57
5.81
5.42
34
4.72
8.87
6.57
5.81
5.42
35
4.72
8.87
6.57
5.81
5.42
36
4.72
8.87
6.57
5.81
5.42
37
4.72
8.87
6.57
5.81
5.42
38
4.72
8.87
6.57
6.05
5.90
39
4.79
9.29
7.16
6.61
6.46
40
5.23
10.19
7.87
7.27
7.11
41
5.76
11.22
8.68
8.04
7.86
42
6.35
12.41
9.62
8.90
8.73
43
7.06
13.79
10.69
9.91
9.71
44
7.06
13.79
10.69
9.91
9.71
45
7.48
14.63
11.35
10.52
10.32
46
8.35
16.32
12.67
11.75
11.52
47
8.43
17.33
13.25
12.22
11.97
48
8.62
18.56
14.01
12.86
12.58
49
10.10
22.31
16.64
15.29
14.95
50
10.70
24.30
18.06
16.47
16.09
51
11.45
26.61
19.65
17.87
17.43
52
12.78
29.67
21.90
19.92
19.41
53
14.31
33.11
24.44
22.23
21.67
54
16.05
36.93
27.30
24.83
24.18
55
18.01
41.19
30.48
27.73
27.00
56
20.22
45.90
34.01
30.94
30.13
57
24.50
52.96
39.76
36.35
35.44
58
29.08
60.54
45.93
42.14
41.11
59
37.28
75.20
57.56
52.97
51.73
60
42.83
84.67
65.18
60.09
58.70
61
48.77
94.88
73.37
67.76
66.19
62
53.75
104.53
80.81
74.62
89.82
63
59.18
115.04
88.91
110.81
123.92
64
59.18
115.04
145.20
162.46
172.81
65
62.60
88.68
97.38
101.72
104.33
Where the premium payable is less than $1.00, the minimum premium of $1.00 is charged.
The annual premium is payable for 90% (rounded down to the nearest year) of the period of cover, or for such lesser percentage of the period of cover as the Board may, in its discretion, determine, subject to a minimum of one year.
Age Next Birthday
Term of Loan
 
6
7
8
9
10
20
5.20
5.05
4.95
4.89
4.84
21
5.20
5.05
4.95
4.89
4.84
22
5.20
5.05
4.95
4.89
4.84
23
5.20
5.05
4.95
4.89
4.84
24
5.20
5.05
4.95
4.89
4.84
25
5.20
5.05
4.95
4.89
4.84
26
5.20
5.05
4.95
4.89
4.84
27
5.20
5.05
4.95
4.89
4.84
28
5.20
5.05
4.95
4.89
4.84
29
5.20
5.05
4.95
4.89
4.84
30
5.20
5.05
4.95
4.89
4.84
31
5.20
5.05
4.95
4.89
4.84
32
5.20
5.05
4.95
4.89
4.84
33
5.20
5.05
4.95
4.89
4.84
34
5.20
5.05
4.95
4.89
4.84
35
5.20
5.05
4.95
4.89
5.02
36
5.20
5.05
5.15
5.29
5.45
37
5.36
5.38
5.45
5.57
5.70
38
5.80
5.80
5.84
5.94
6.07
39
6.32
6.29
6.32
6.39
6.50
40
6.95
6.89
6.89
6.96
7.05
41
7.66
7.58
7.56
7.61
7.70
42
8.48
8.36
8.32
8.33
8.39
43
9.35
9.06
8.90
8.83
8.82
44
9.63
9.13
9.00
8.93
8.93
45
9.91
9.64
9.48
9.37
9.32
46
11.06
10.75
10.56
10.43
10.37
47
11.48
11.16
10.95
10.83
10.78
48
12.05
11.71
11.51
11.39
11.35
49
14.38
14.07
13.91
13.86
13.90
50
15.43
15.04
14.83
14.73
14.71
51
16.67
16.21
15.91
15.76
15.70
52
18.49
17.91
17.50
17.23
17.06
53
20.57
19.83
19.29
18.89
18.61
54
22.88
21.97
21.28
20.76
20.33
55
25.66
24.77
24.14
23.68
23.34
56
28.78
27.93
27.36
27.01
26.80
57
34.16
33.42
33.01
32.84
36.34
58
39.92
39.32
39.10
43.61
46.94
59
50.65
50.30
56.73
61.45
64.99
60
57.59
65.61
71.32
75.46
78.55
61
76.51
83.52
88.45
92.01
94.60
62
99.01
105.30
109.78
113.06
115.48
63
132.04
135.43
137.92
139.79
141.25
64
179.39
184.00
187.38
189.93
191.90
65
104.34
104.36
104.38
104.40
104.42
Age Next Birthday
Term of Loan
 
11
12
13
14
15
20
5.23
5.16
5.12
5.09
5.09
21
5.23
5.16
5.12
5.09
5.09
22
5.23
5.16
5.12
5.09
5.09
23
5.23
5.16
5.12
5.09
5.09
24
5.23
5.16
5.12
5.09
5.09
25
5.23
5.16
5.12
5.09
5.09
26
5.23
5.16
5.12
5.09
5.09
27
5.23
5.16
5.12
5.09
5.09
28
5.23
5.16
5.12
5.09
5.09
29
5.23
5.16
5.12
5.09
5.09
30
5.23
5.16
5.12
5.09
5.09
31
5.23
5.16
5.12
5.09
5.21
32
5.23
5.16
5.19
5.30
5.43
33
5.31
5.27
5.33
5.42
5.53
34
5.35
5.44
5.40
5.49
5.61
35
5.55
5.61
5.70
5.81
5.95
36
6.02
6.08
6.18
6.30
6.46
37
6.31
6.38
6.46
6.58
6.72
38
6.71
6.75
6.83
6.95
7.09
39
7.21
7.25
7.32
7.42
7.56
40
7.82
7.84
7.92
8.02
8.16
41
8.55
8.57
8.64
8.75
8.90
42
8.89
9.07
9.75
9.98
10.24
43
9.07
10.33
10.57
10.86
11.20
44
10.26
10.56
10.93
11.33
11.79
45
10.72
11.04
11.40
12.15
12.70
46
11.92
12.25
12.62
13.03
13.48
47
12.46
12.79
13.15
13.56
13.98
48
13.16
13.46
13.81
14.17
14.56
49
16.02
16.29
16.55
16.86
17.18
50
17.06
17.41
17.76
18.23
18.73
51
18.25
18.70
19.15
19.81
20.51
52
19.82
20.36
20.90
21.74
24.06
53
21.56
22.20
22.83
25.62
27.96
54
22.98
24.65
26.31
29.48
32.30
55
27.15
30.41
33.80
36.69
39.15
56
30.77
33.90
37.10
39.84
42.25
57
40.13
43.16
46.13
48.69
50.93
58
50.61
53.58
56.34
58.73
60.79
59
68.93
72.22
75.00
77.39
79.47
60
81.94
84.73
87.09
89.07
90.77
61
97.41
99.72
101.60
103.18
104.50
62
117.99
120.05
121.75
123.16
124.35
63
142.56
143.66
144.57
145.33
146.00
64
193.68
195.18
196.41
197.45
198.35
65
104.44
104.46
104.48
104.50
104.52
Age Next Birthday
Term of Loan
 
16
17
18
19
20
20
5.09
5.09
5.09
5.09
5.09
21
5.09
5.09
5.09
5.09
5.09
22
5.09
5.09
5.09
5.09
5.09
23
5.09
5.09
5.09
5.09
5.09
24
5.09
5.09
5.09
5.09
5.09
25
5.09
5.09
5.09
5.09
5.09
26
5.09
5.09
5.09
5.09
5.09
27
5.09
5.09
5.09
5.09
5.13
28
5.09
5.09
5.09
5.18
5.21
29
5.09
5.09
5.16
5.27
5.29
30
5.09
5.14
5.23
5.37
5.39
31
5.26
5.35
5.45
5.56
5.70
32
5.51
5.61
5.72
5.85
6.00
33
5.61
5.72
5.83
5.98
6.13
34
5.72
5.81
5.96
6.10
6.28
35
6.06
6.18
6.33
6.49
6.68
36
6.57
6.69
6.84
7.00
7.18
37
6.83
6.94
7.08
7.25
7.42
38
7.18
7.30
7.44
7.58
7.76
39
7.66
7.76
7.89
8.03
8.18
40
8.27
8.40
8.54
8.69
8.87
41
9.02
9.16
9.33
9.51
9.70
42
10.38
10.54
10.71
10.75
11.09
43
11.55
11.69
11.84
11.88
12.11
44
11.91
12.04
12.69
12.53
12.74
45
13.08
12.91
12.73
12.92
13.15
46
13.65
13.85
14.09
14.35
14.64
47
14.31
14.67
15.11
15.57
16.64
48
15.06
15.58
16.23
17.57
18.76
49
17.86
18.57
20.41
22.05
23.53
50
19.68
21.67
23.53
25.19
26.70
51
22.84
24.90
26.83
28.57
30.13
52
26.39
28.47
30.39
32.13
33.71
53
30.31
32.39
34.32
36.06
37.65
54
34.64
36.76
38.67
40.42
42.03
55
41.55
43.70
45.66
47.44
49.09
56
44.49
46.52
48.36
50.05
51.62
57
53.04
54.96
56.70
58.28
59.75
58
62.78
64.57
66.17
67.63
68.97
59
81.44
83.21
84.79
86.23
87.55
60
92.51
94.05
95.44
96.70
97.83
61
106.00
107.32
108.48
109.55
110.49
62
125.65
126.80
127.83
128.73
129.56
63
146.63
147.18
147.69
148.13
148.54
64
199.22
199.97
200.65
201.26
201.81
65
104.53
104.55
104.57
104.59
104.61
Age Next Birthday
Term of Loan
 
21
22
23
24
25
20
5.09
5.09
5.09
5.09
5.09
21
5.09
5.09
5.09
5.09
5.09
22
5.09
5.09
5.09
5.09
5.15
23
5.09
5.09
5.09
5.13
5.21
24
5.09
5.09
5.12
5.18
5.27
25
5.09
5.11
5.16
5.23
5.33
26
5.15
5.21
5.27
5.33
5.40
27
5.18
5.22
5.36
5.42
5.45
28
5.22
5.23
5.46
5.48
5.52
29
5.30
5.52
5.53
5.56
5.61
30
5.60
5.61
5.62
5.66
5.71
31
5.90
5.90
5.93
5.96
6.00
32
6.04
6.12
6.26
6.29
6.33
33
6.26
6.53
6.55
6.59
6.64
34
6.56
6.61
6.66
6.73
6.80
35
7.02
7.10
7.17
7.27
7.36
36
7.57
7.67
7.77
7.87
8.00
37
7.86
7.96
8.09
8.20
8.33
38
8.23
8.34
8.49
8.61
8.74
39
8.69
8.83
8.95
9.08
9.20
40
9.46
9.64
9.85
10.07
10.30
41
10.37
10.59
10.91
11.24
11.57
42
11.87
12.13
12.55
12.98
13.78
43
12.45
12.89
13.59
14.44
15.39
44
13.20
14.18
15.08
16.08
16.96
45
14.14
15.04
16.05
16.94
17.75
46
15.70
16.59
17.58
18.45
19.25
47
17.76
18.71
19.71
20.61
21.43
48
19.92
20.97
22.00
22.92
23.78
49
24.91
26.17
27.32
28.37
29.34
50
28.06
29.31
30.48
31.54
32.51
51
31.50
32.76
33.90
34.96
35.93
52
35.07
36.32
37.48
38.54
39.53
53
39.01
40.26
41.41
42.47
43.47
54
43.37
44.61
45.76
46.83
47.83
55
50.46
51.74
52.92
54.01
55.06
56
52.92
54.14
55.26
56.32
57.30
57
61.01
62.16
63.24
64.25
65.20
58
70.17
71.27
72.32
73.26
74.17
59
88.75
89.86
90.90
91.87
92.78
60
98.92
99.94
100.87
101.74
102.57
61
111.48
112.37
113.21
113.99
114.72
62
129.89
130.20
130.48
130.75
130.98
63
148.92
149.27
149.60
149.90
150.17
64
202.33
202.80
203.24
203.66
204.02
65
104.90
105.19
105.45
105.72
105.98
Age Next Birthday
Term of Loan
 
26
27
28
29
30
20
5.09
5.22
5.38
5.54
5.61
21
5.22
5.38
5.54
5.72
5.80
22
5.27
5.41
5.56
5.72
5.80
23
5.32
5.45
5.58
5.72
5.80
24
5.37
5.48
5.60
5.72
5.80
25
5.42
5.52
5.62
5.72
5.80
26
5.48
5.56
5.64
5.72
5.80
27
5.53
5.63
5.73
5.86
5.99
28
5.63
5.74
5.88
6.02
6.20
29
5.73
5.88
6.03
6.22
6.38
30
5.86
6.03
6.34
6.39
6.61
31
6.15
6.32
6.51
6.70
6.90
32
6.48
6.65
6.79
6.94
7.05
33
6.77
6.88
6.99
7.09
7.20
34
6.91
7.02
7.13
7.24
7.35
35
7.52
7.66
7.83
8.00
8.17
36
8.18
8.38
8.61
8.85
9.10
37
8.61
8.90
9.25
9.60
10.15
38
9.12
9.50
9.98
10.66
11.28
39
9.63
10.06
10.92
11.73
12.49
40
10.88
11.77
12.66
13.49
14.27
41
12.60
13.56
14.51
15.41
16.26
42
14.85
15.81
16.78
17.68
18.51
43
16.38
17.32
18.25
19.11
19.95
44
17.89
18.85
19.74
20.59
21.37
45
18.70
19.57
20.40
21.17
21.89
46
20.14
20.96
21.73
22.45
23.14
47
22.31
23.13
23.89
24.61
25.27
48
24.65
25.45
26.21
26.91
27.57
49
30.27
31.13
31.93
32.70
33.40
50
33.42
34.27
35.07
35.80
36.51
51
36.83
37.68
38.46
39.19
39.88
52
40.42
41.26
42.03
42.75
43.44
53
44.35
45.18
45.96
46.69
47.37
54
48.71
49.53
50.30
51.03
51.72
55
55.94
56.78
57.57
58.31
59.02
56
58.15
58.95
59.69
60.39
61.08
57
66.02
66.80
67.53
68.23
68.89
58
74.97
75.73
76.43
77.12
77.75
59
93.59
94.37
95.10
95.78
96.44
60
103.32
104.04
104.71
105.36
105.97
61
115.42
116.07
116.70
117.28
117.84
62
131.21
131.42
131.61
131.80
131.97
63
150.43
150.67
150.89
151.11
151.30
64
204.38
204.70
205.00
205.30
205.56
65
106.25
106.50
106.75
107.00
107.24
Age Next Birthday
Term of Loan
 
31
32
33
34
35
20
5.71
5.81
5.90
6.00
6.10
21
5.90
6.00
6.10
6.20
6.30
22
5.90
6.00
6.10
6.20
6.30
23
5.90
6.00
6.10
6.20
6.30
24
5.90
6.00
6.10
6.20
6.30
25
5.90
6.00
6.10
6.20
6.30
26
5.90
6.00
6.10
6.20
6.30
27
6.08
6.18
6.28
6.38
6.48
28
6.29
6.38
6.47
6.56
6.66
29
6.47
6.56
6.65
6.74
6.84
30
6.69
6.77
6.85
6.93
7.02
31
7.01
7.06
7.12
7.16
7.20
32
7.14
7.24
7.38
7.43
8.06
33
7.33
7.57
7.63
8.13
8.59
34
7.60
7.67
8.18
8.65
9.09
35
8.59
8.98
9.45
9.89
10.28
36
9.57
9.99
10.47
10.93
11.33
37
10.67
11.15
11.66
12.15
12.59
38
11.87
12.42
12.97
13.48
13.96
39
13.16
13.79
14.36
14.92
15.44
40
14.97
15.63
16.24
16.83
17.37
41
16.97
17.66
18.31
18.91
19.50
42
19.26
19.95
20.60
21.23
21.81
43
20.66
21.34
21.98
22.57
23.14
44
22.06
22.72
23.33
23.91
24.46
45
22.55
23.16
23.74
24.29
24.81
46
23.76
24.35
24.91
25.45
25.95
47
25.90
26.49
27.03
27.56
28.05
48
28.18
28.76
29.31
29.83
30.32
49
34.05
34.66
35.26
35.81
36.33
50
37.15
37.75
38.33
38.87
39.39
51
40.51
41.10
41.67
42.21
42.71
52
44.08
44.68
45.23
45.77
46.28
53
48.00
48.59
49.16
49.68
50.19
54
52.33
52.92
53.47
54.01
54.50
55
59.65
60.24
60.81
61.34
61.86