ZEPHYR PLAN B

	A	B	C	D	E	F	G	H	I	J	K	L
1	ZEPHYR PLAN B Feb 15 PAY OUT as
2	ADVISORS	NOV	DEC	JAN	TOTAL	DEC PROJ. PERS.	TOTAL NSC %	DEC SETTLED APPS	% LIVES AS OF dec	JAN AC	TOTAL %	PLAN B
3	TRACY	402,337.00	0.00	180,942.00	583,279.00	100.00%	30.00%	0	0.00%	187,771.91	30.00%	56,331.57
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8	Table A	W/o 13th mo.	W/ 13th mo.	W/25th mo.	Persistence
9	NSC LAST 3 MONTHS		86% PER	80% PER	90% PER
10	50,000 - 99,999	12%	15%	18%	23%
11	100,000 - 199,999	14%	17%	20%	26%
12	200,000 - 299,999	18%	21%	24%	32%
13	300,000 - 499,999	23%	27%	30%	40%
14	500,000 up	30%	35%	40%	50%
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16	NUMBER OF INSURED LIVES OF PREVIOUS MONTH
17	LAST 3 MONTHS	3 TO 4	5 TO 6	7 TO8	9 AND UP
18	> = 50,000	5%	9%	14%	20%
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