                      Annual     Premium    Annual     Loan       Annual     Outlay     Cum.       Premium    Total      Loan       Outlay     At Interest                      Accum      Value      Accum ValueIncrease   Accum ValueIRR        Accum ValueNet Gain   Accum ValueGain                             Net Cash   Value      Net Cash   Value Incr Net Cash   Value IRR  Net CV     Net Gain   Net Cash   Value Gain                       Death      Benefit    Benefit    Increase   Benefit    IRR        Benefit    Net Gain   Benefit    On deposit                       Annual     Premium 2  Annual     Loan 2     Annual     Outlay 2   Total      Premium 2  Total      Loan 2     Outlay     At Interest                      Accum      Value 2    Accum ValueIncrease 2 Accum ValueIRR 2      Accum ValueNet Gain 2 Accum ValueGain 2                           Cash       Value 2    Cash Value Increase 2 Cash Value IRR 2      Cash Value Net Gain 2 Cash Value Gain 2                           Death      Benefit 2  Benefit    Increase 2 Benefit    IRR 2      Benefit    Net Gain 2 Benefit    On deposit                                  After-tax             Increase              Income                Annual Tax            Variation             IRR                   Gain                                        After-tax             Increase              Income                Annual Tax            Variation             IRR                   Gain                             Interest   Payment    Principal  Payment    Mortgage   Outlay     After Tax  Mort PaymntMortgage   Balance    Interest   Savings                          Term       Premium    Total      Term Prem  Term       Death Ben  Term Gain  on Death   Term DB    +side fund                       Col 1      Value      Col 2      Value      Col 3      Value      Col 4      Value      Col 5      Value      Col 6      Value      Col 7      Value      Col 8      Value      Col 9      Value      Col 10     Value      