Schedule 1

FIRST SCHEDULERegulation 2(1)Table 1(For policies entered into or adjusted before 1 March 1995)HOME PROTECTION INSURANCE SURRENDER VALUE PER $10,000 OUTSTANDING COVER FOR MALE SCHEME MEMBER (PROPERTY PURCHASED FROM HDB, JTC OR MINDEF)Age Next BirthdayTerm of Loan (years) 12345204.757.9711.1314.3117.46214.757.9711.2114.4117.60224.758.0811.3514.6017.81234.758.0811.3914.6517.89244.758.1311.4614.7518.03254.758.1311.4814.8118.08264.758.1811.5514.8918.21274.758.1811.5514.9418.35284.758.1811.6315.1118.66294.758.2911.8815.5319.19304.758.4412.2215.9819.81314.758.6612.5116.4520.57324.758.6712.7316.9921.44334.758.9813.4218.0722.96345.059.6814.5619.6725.06355.3510.4415.8021.4627.46365.8411.4417.3623.6530.39376.3512.5719.1826.2733.83386.9713.9321.4029.3637.86397.7315.6324.0532.9742.45408.6517.4926.8836.8547.49419.8419.7030.2041.3753.304211.3422.3734.1446.7160.174312.8025.2138.4552.6467.904414.3828.3543.3159.4577.004516.4632.2949.3867.9888.394619.0637.1956.9678.68102.214722.3143.4066.5891.63118.414826.3551.1577.79106.18136.364931.6759.9289.92121.77155.545038.0069.66103.25138.84176.535146.2381.68119.23158.96200.955254.4894.08135.97180.24206.735363.98108.15154.84178.13192.095474.73124.00140.40148.58153.495590.1990.1990.1990.1990.19Age Next BirthdayTerm of Loan (years) 6789102020.5823.6826.7629.7932.772120.7623.8826.9830.0233.062220.9924.1527.2630.3433.412321.0924.2727.4130.5533.712421.2424.4527.6530.8834.102521.3624.6127.9231.2234.562621.5524.9328.3131.7535.252721.8025.2828.8132.4336.162822.2425.8529.5933.4537.472922.9326.7730.7734.9439.303023.7927.9332.2736.8041.583124.8729.3534.0739.0944.383226.1331.0636.2941.8447.753328.1233.5939.4045.5952.213430.8036.9043.4050.3357.713533.8740.7147.9855.7263.983637.5945.2353.3762.0571.283741.9050.4659.5969.3079.703846.8756.4666.7277.6489.383952.5663.3374.8487.19100.554058.8170.9383.9498.02113.364166.0779.7994.63110.83128.414274.6390.30107.43126.03146.074384.49102.61122.29143.49166.224496.20117.07139.52163.56189.2145110.51134.33159.76186.87215.6946127.45154.39183.06213.48245.7447146.93177.24209.36243.40270.4548168.36202.27238.14265.90287.9949191.29229.10257.31279.18296.5650216.37244.72265.89282.27295.3151228.85248.71263.54275.02284.1652224.35236.88246.23253.48259.2453201.36207.95212.89216.69219.7254156.75159.07160.79162.13163.205590.1990.1990.1990.1990.19Age Next BirthdayTerm of Loan (years) 11121314152035.7438.6841.6444.5847.522136.0639.0942.0945.1248.182236.5039.5942.7045.8549.072336.8640.0443.2846.6050.002437.3740.6944.1047.6151.272537.9941.5045.1348.9052.842638.8842.6446.5550.6354.932740.0444.0948.3352.8257.562841.6846.0850.7555.7060.932943.9048.7653.9259.3965.203046.6852.0657.7963.8770.333150.0356.0362.3969.1776.403254.0260.7167.8175.3983.483359.2266.6974.6483.1492.233465.5573.9182.8392.41102.723572.7782.1592.22103.07114.853681.1791.76103.18115.59129.033790.84102.88115.94130.12145.4038102.05115.83130.77146.89164.2139115.08130.84147.84166.10185.6540130.01147.96167.22187.84209.8341147.36167.72189.47212.67237.3542167.56190.53215.01241.04263.3943190.47216.32243.76267.11287.1644216.49245.44269.78290.46308.2545246.24271.55292.80310.86326.4046271.96293.67311.91327.41340.7447292.47310.69326.00339.01350.2048305.96320.83333.32343.95353.0849310.70322.39332.24340.60347.7850305.92314.70322.07328.34333.7251291.59297.72302.90307.28311.0752263.93267.81271.07273.84276.2253222.19224.23225.95227.41228.6654164.05164.78165.39165.89166.335590.1990.1990.1990.1990.19Age Next BirthdayTerm of Loan (years) 16171819202050.5253.5456.6659.8563.172151.3254.5257.8161.2564.822252.3655.7859.3463.0266.912353.5257.2061.0465.0769.322455.0659.0563.2567.6772.352556.9961.3565.9570.8375.982659.4964.2969.3774.7580.472762.5567.8773.5179.4985.872866.4872.3778.6485.3192.452971.3677.9484.9392.41100.453077.2084.5492.40100.84110.003184.0992.32101.22110.82121.213292.14101.46111.57122.50134.2833102.05112.68124.19136.60149.9434113.91126.03139.10153.14168.2035127.61141.37156.17172.01188.9536143.53159.11175.81193.64212.6437161.83179.41198.20218.21236.0238182.74202.53223.62242.27258.8939206.52228.73248.27265.57280.9740233.25253.71271.71287.63301.8141258.75277.46293.89308.46321.4242282.78299.73314.64327.82339.5843304.56319.77333.13344.98355.4944323.65337.13348.98359.46368.8045339.86351.63361.98371.14379.3146352.31362.39371.29379.14386.1447359.89368.37375.83382.42388.3048360.99367.91374.00379.39384.1849354.01359.45364.24368.49372.2650338.41342.48346.07349.25352.0851314.33317.19319.70321.94323.9252278.28280.09281.68283.08284.3353229.75230.70231.54232.28232.9354166.71167.05167.35167.61167.845590.1990.1990.1990.1990.19Age Next BirthdayTerm of Loan (years) 21222324252066.6170.2374.0077.9782.142168.5572.4976.6280.9785.562270.9975.2979.8384.6389.722373.8078.5383.5388.8594.522477.2882.5188.0793.99100.342581.4587.2693.45100.11107.292686.5593.03100.02107.54115.662792.6699.97107.86116.39125.5828100.11108.39117.35126.99137.3629109.16118.57128.69139.59151.2730119.88130.53141.99154.26167.3831132.42144.48157.38171.18185.9132146.97160.55175.08190.57204.6233164.24179.52195.82210.55223.9234184.27201.44216.89230.85243.5235207.00223.21237.81251.02263.0036229.63244.89258.64271.08282.3437251.94266.23279.11290.77301.3338273.73287.05299.06309.93319.7839294.72307.08318.21328.27337.4040314.48325.85336.10345.38353.7941333.00343.39352.77361.25368.9342350.06359.48367.99375.66382.6343364.92373.38380.99387.88394.1244377.15384.64391.40397.49403.0445386.58393.13399.03404.36409.2146392.39398.01403.08407.65411.8047393.55398.26402.52406.36409.8448388.45392.31395.78398.91401.7649375.63378.67381.39383.86386.0950354.61356.88358.93360.77362.4651325.69327.29328.71330.01331.1952285.45286.45287.37288.18288.9353233.52234.05234.52234.95235.3554168.04168.24168.40168.54168.675590.1990.1990.1990.1990.19Age Next BirthdayTerm of Loan (years) 26272829302086.5591.2296.18101.46107.152190.4495.62101.15107.10113.522295.14100.93107.16113.88121.1023100.58107.11114.15121.72129.8424107.18114.56122.50131.03140.1525115.03123.36132.31141.89152.1226124.41133.80143.86154.61166.0827135.44146.02157.30169.37180.4328148.46160.33173.00184.61195.2729163.75177.08189.23200.39210.6130181.39194.16205.83216.52226.3131199.30211.52222.68232.89242.2732217.40229.04239.69249.46258.4133236.08247.15257.29266.57275.0934255.06265.57275.19283.99292.0735273.90283.82292.91301.22308.8436292.59301.94310.50318.31325.5137310.94319.70327.71335.04341.7738328.73336.89344.37351.20357.4739345.71353.28360.20366.55372.3640361.42368.40374.79380.63385.9741375.93382.31388.13393.46398.3742388.97394.74400.02404.86409.3043399.81404.99409.73414.06418.0544408.08412.67416.85420.72424.2445413.60417.62421.28424.64427.7246415.58419.01422.17425.04427.6947413.00415.91418.54420.96423.1748404.34406.69408.86410.83412.6449388.13389.98391.68393.23394.6650363.99365.37366.65367.81368.8851332.26333.23334.12334.94335.6852289.59290.21290.78291.29291.7653235.70236.02236.32236.60236.8454168.80168.93169.03169.12169.215590.1990.1990.1990.1990.19Table 1A(For policies entered into or adjusted on or after 1 March 1995 but before 1 March 2001)HOME PROTECTION INSURANCE SURRENDER VALUE PER $10,000 OUTSTANDING COVER FOR MALE SCHEME MEMBER(PROPERTY PURCHASED FROM HDB, JTC OR MINDEF)Age Next BirthdayTerm of Loan (years) 12345204.757.9711.1314.3117.46214.757.9711.2114.4117.60224.758.0811.3514.6017.81234.758.0811.3914.6517.89244.758.1311.4614.7518.03254.758.1311.4814.8118.08264.758.1811.5514.8918.21274.758.1811.5514.9418.35284.758.1811.6315.1118.66294.758.2911.8815.5319.19304.758.4412.2215.9819.81314.758.6612.5116.4520.57324.758.6712.7316.9921.44334.758.9813.4218.0722.96345.059.6814.5619.6725.06355.3510.4415.8021.4627.46365.8411.4417.3623.6530.39376.3512.5719.1826.2733.83386.9713.9321.4029.3637.86397.7315.6324.0532.9742.45408.6517.4926.8836.8547.49419.8419.7030.2041.3753.304211.3422.3734.1446.7160.174312.8025.2138.4552.6467.904414.3828.3543.3159.4577.004516.4632.2949.3867.9888.394619.0637.1956.9678.68102.214722.3143.4066.5891.63118.414826.3551.1577.79106.18136.364931.6759.9289.92121.77155.545038.0069.66103.25138.84176.535146.2381.68119.23158.96200.955254.4894.08135.97180.24226.955363.98108.15154.84204.11256.025474.73124.00175.97230.74288.335590.19145.02202.78263.51327.3156100.54161.52225.62292.93363.5157111.92179.61250.69325.21369.8158124.37199.49278.21317.48341.0159138.15221.38249.09262.92271.1960153.28153.28153.28153.28153.28Age Next BirthdayTerm of Loan (years) 6789102020.5823.6826.7629.7932.772120.7623.8826.9830.0233.062220.9924.1527.2630.3433.412321.0924.2727.4130.5533.712421.2424.4527.6530.8834.102521.3624.6127.9231.2234.562621.5524.9328.3131.7535.252721.8025.2828.8132.4336.162822.2425.8529.5933.4537.472922.9326.7730.7734.9439.303023.7927.9332.2736.8041.583124.8729.3534.0739.0944.383226.1331.0636.2941.8447.753328.1233.5939.4045.5952.213430.8036.9043.4050.3357.713533.8740.7147.9855.7263.983637.5945.2353.3762.0571.283741.9050.4659.5969.3079.703846.8756.4666.7277.6489.383952.5663.3374.8487.19100.554058.8170.9383.9498.02113.364166.0779.7994.63110.83128.414274.6390.30107.43126.03146.074384.49102.61122.29143.49166.224496.20117.07139.52163.56189.2145110.51134.33159.76186.87215.6946127.45154.39183.06213.48245.7447146.93177.24209.36243.40279.3648168.36202.27238.14276.04316.0449191.29229.10269.03311.15355.5250216.37258.44302.82349.54398.6551245.27292.02341.22392.96447.2652276.22328.06382.55439.73485.2353310.67368.08428.31474.94512.0354348.84412.31459.72496.42525.6255394.21441.81477.36504.88526.7756410.43443.81468.74488.04503.3957399.44420.53436.29448.49458.1858356.63367.74376.06382.49387.6159276.70280.63283.54285.80287.6060153.28153.28153.28153.28153.28Age Next BirthdayTerm of Loan (years) 11121314152035.7438.6841.6444.5847.522136.0639.0942.0945.1248.182236.5039.5942.7045.8549.072336.8640.0443.2846.6050.002437.3740.6944.1047.6151.272537.9941.5045.1348.9052.842638.8842.6446.5550.6354.932740.0444.0948.3352.8257.562841.6846.0850.7555.7060.932943.9048.7653.9259.3965.203046.6852.0657.7963.8770.333150.0356.0362.3969.1776.403254.0260.7167.8175.3983.483359.2266.6974.6483.1492.233465.5573.9182.8392.41102.723572.7782.1592.22103.07114.853681.1791.76103.18115.59129.033790.84102.88115.94130.12145.4038102.05115.83130.77146.89164.2139115.08130.84147.84166.10185.6540130.01147.96167.22187.84209.8341147.36167.72189.47212.67237.3542167.56190.53215.01241.04268.6443190.47216.32243.76272.86303.6544216.49245.44276.13308.58342.8345246.24278.61312.80348.89386.9046279.86315.89353.90393.92435.9847317.33357.36399.47443.75481.7948358.20402.54449.12488.72522.7649402.19451.22492.39527.40557.4850450.24492.94528.83559.34585.5451491.41527.97558.68584.79607.2352522.23552.85578.58600.46619.2653542.19567.17588.14605.99621.3154549.35568.99585.50599.55611.6055544.58559.33571.69582.22591.2856515.87526.21534.88542.27548.6257466.07472.60478.10482.74486.7658391.77395.21398.10400.57402.6859289.06290.28291.29292.16292.9160153.28153.28153.28153.28153.28Age Next BirthdayTerm of Loan (years) 16171819202050.5253.5456.6659.8563.172151.3254.5257.8161.2564.822252.3655.7859.3463.0266.912353.5257.2061.0465.0769.322455.0659.0563.2567.6772.352556.9961.3565.9570.8375.982659.4964.2969.3774.7580.472762.5567.8773.5179.4985.872866.4872.3778.6485.3192.452971.3677.9484.9392.41100.453077.2084.5492.40100.84110.003184.0992.32101.22110.82121.213292.14101.46111.57122.50134.2833102.05112.68124.19136.60149.9434113.91126.03139.10153.14168.2035127.61141.37156.17172.01188.9536143.53159.11175.81193.64212.6437161.83179.41198.20218.21239.4938182.74202.53223.62246.03269.7939206.52228.73252.33277.34303.8040233.25258.09284.44312.31341.7041263.54291.28320.62351.56384.1542297.86328.75361.32395.62426.1343336.18370.49406.55438.51466.9244378.94416.91450.34479.90506.2345426.87461.79492.53519.73543.9346472.46504.32532.38557.20579.2847514.77543.59568.96591.40611.3948552.27578.07600.77620.86638.7249583.57606.38626.44644.20659.9950608.27628.14645.62661.08674.8551626.68643.69658.66671.89683.6752635.57649.81662.35673.43683.3153634.60646.22656.43665.47673.5254622.06631.21639.26646.37652.7155599.11605.99612.00617.35622.1056554.13558.93563.15566.90570.2357490.25493.27495.95498.31500.4258404.51406.11407.51408.77409.8759293.55294.12294.60295.04295.4460153.28153.28153.28153.28153.28Age Next BirthdayTerm of Loan (years) 21222324252066.6170.2374.0077.9782.142168.5572.4976.6280.9785.562270.9975.2979.8384.6389.722373.8078.5383.5388.8594.522477.2882.5188.0793.99100.342581.4587.2693.45100.11107.292686.5593.03100.02107.54115.662792.6699.97107.86116.39125.5828100.11108.39117.35126.99137.3629109.16118.57128.69139.59151.2730119.88130.53141.99154.26167.3831132.42144.48157.38171.18185.9132146.97160.55175.08190.57207.0533164.24179.52195.82213.15231.5734184.27201.44219.67239.04259.5735207.00226.20246.58268.16290.9836232.85254.30277.01301.01326.3137262.06285.95311.19337.81361.9638294.92321.48349.47374.79397.7639331.74361.19387.72411.71433.4840372.68400.50425.56448.21468.7741413.28439.44463.02484.34503.6742453.41477.90499.97519.93538.0343492.35515.15535.71554.29571.1644529.76550.88569.92587.13602.7445565.58585.00602.50618.33632.6946599.02616.75632.74647.18660.2847629.24645.26659.71672.77684.6348654.71669.05681.99693.67704.2749674.13686.80698.24708.57717.9450687.16698.20708.17717.17725.3351694.22703.68712.20719.91726.8952692.14700.06707.20713.67719.5153680.73687.20693.00698.27703.0454658.37663.44668.03672.17675.9355626.35630.16633.59636.71639.5256573.20575.89578.30580.48582.4557502.30503.99505.51506.89508.1458410.88411.77412.57413.28413.9659295.78296.10296.39296.64296.8860153.28153.28153.28153.28153.28Age Next BirthdayTerm of Loan (years) 26272829302086.5591.2296.18101.46107.152190.4495.62101.15107.10113.522295.14100.93107.16113.88121.1023100.58107.11114.15121.72129.8424107.18114.56122.50131.03140.1525115.03123.36132.31141.89152.1226124.41133.80143.86154.61166.0827135.44146.02157.30169.37182.2028148.46160.33173.00186.50200.8229163.75177.08191.24206.31222.2730181.39196.29212.14228.90246.6731201.58218.23235.88254.53274.2432224.56243.10262.74283.44302.4633251.08271.72293.49313.43331.7234281.26304.15325.06344.23361.8235315.06337.00357.06375.44392.3036349.33370.33389.52407.09423.2137383.91403.94422.24439.00454.3938418.63437.68455.08471.03485.6639453.28471.34487.83502.94516.8140487.47504.53520.11534.37547.4641521.26537.30551.95565.38577.6942554.50569.52583.23595.81607.3443586.50600.48613.26624.97635.7044616.94629.89641.71652.56662.5245645.75657.66668.55678.52687.6646672.19683.06693.00702.10710.4547695.41705.23714.21722.44729.9848713.92722.71730.74738.11744.8849726.46734.23741.35747.84753.8250732.75739.53745.72751.38756.5951733.25739.05744.34749.20753.6652724.84729.70734.14738.20741.9353707.38711.34714.97718.29721.3254679.34682.46685.32687.93690.3255642.08644.43646.56648.51650.3156584.24585.88587.39588.76590.0157509.28510.30511.26512.12512.9258414.55415.09415.59416.04416.4659297.08297.28297.45297.62297.7660153.28153.28153.28153.28153.28Table 2(For policies entered into or adjusted before 1 March 1995)HOME PROTECTION INSURANCE SURRENDER VALUE PER $10,000 OUTSTANDING COVER FOR FEMALE SCHEME MEMBER(PROPERTY PURCHASED FROM HDB, JTC OR MINDEF)Age Next BirthdayTerm of Loan (years) 12345203.185.818.3910.9413.46213.185.818.3910.9413.46223.185.818.3910.9413.46233.185.818.3910.9413.46243.185.818.3910.9413.46253.185.818.3910.9413.46263.185.818.3910.9413.46273.185.818.3910.9413.46283.185.818.3910.9413.46293.185.818.3910.9413.46303.185.818.3910.9413.53313.185.818.3911.0513.79323.185.818.5211.3814.35333.186.018.9812.1015.39343.386.489.7313.1716.79353.586.9910.5914.3718.39363.917.6511.6215.8320.35374.278.4212.8617.6022.68384.689.3314.3319.6825.36395.1810.4716.1022.0928.45405.8011.7118.0024.6931.82416.5713.1820.2227.7135.72427.5914.9922.8831.2940.33438.5716.8925.7535.2645.51449.6319.0029.0239.8651.634511.0321.6333.0845.5659.274612.7724.9138.1652.7368.854714.9529.0844.6161.8080.474817.6434.2652.6572.5293.824921.2040.9362.1084.66108.705025.4547.8371.6797.02124.005130.9656.1282.87111.30141.505236.4764.7194.69126.53145.595342.8274.46108.05124.79134.835450.0485.4797.27103.16106.685560.3960.3960.3960.3960.39Age Next BirthdayTerm of Loan (years) 6789102015.9418.3720.7723.1425.462115.9418.3720.7723.1425.462215.9418.3720.7723.1425.462315.9418.3720.7723.1425.462415.9418.3720.7723.1425.462515.9418.3720.7723.1425.502615.9418.3720.7723.1725.622715.9418.3720.8223.3125.862815.9418.4320.9823.6026.332916.0018.6021.3024.1327.063016.2119.0021.8924.9528.173116.6719.6922.8726.2229.773217.5020.8124.3128.0332.003318.8422.5026.4130.5634.993420.6224.7229.0933.7338.683522.6927.2832.1637.3542.883625.1830.3135.7741.5847.813728.0733.8239.9546.4853.453831.4137.8644.7352.0759.963935.2342.4550.1858.4867.474039.4247.5456.2965.7676.074144.2853.4963.4874.3786.334250.0360.5772.0984.7498.574356.6568.8482.2596.88112.734464.5378.7694.28111.06129.104574.3990.86108.67127.78148.224686.37105.27125.49147.14170.2147100.53121.98144.88169.24188.6448116.55140.75166.49186.43202.2849134.25161.44181.72197.42209.9050152.64173.02188.24200.02209.4051161.56175.84186.51194.77201.3352158.26167.26173.99179.21183.3453141.49146.24149.78152.52154.7254109.02110.70111.93112.90113.665560.3960.3960.3960.3960.39Age Next BirthdayTerm of Loan (years) 11121314152027.7429.9932.2034.3736.502127.7429.9932.2034.3936.572227.7429.9932.2334.4536.732327.7430.0132.3134.6237.002427.7830.1232.4934.9337.442527.8830.3232.8335.4038.092628.1130.6833.3436.1339.062728.5131.2734.1337.1840.382829.1732.1535.2938.6242.152930.1533.4236.9040.5744.493031.5935.2039.0643.1447.473133.5737.6041.8646.4151.273236.2240.7145.4850.5856.023339.7044.7150.0655.7861.893443.9449.5655.5762.0268.953548.7955.1061.8769.1877.123654.4361.5669.2577.6086.733760.9669.0477.8587.4897.993868.4877.7687.9298.99111.023977.2387.9799.67112.35126.014087.4199.76113.15127.59143.104199.39113.55128.79145.17162.7142113.54129.65146.94165.47181.3643129.78148.05167.60184.23198.5144148.44169.09186.45201.19213.8745170.04188.11203.29216.20227.2846188.96204.48217.52228.63238.1547204.40217.45228.42237.74245.7648215.16225.83234.79242.42248.9849220.07228.48235.53241.54246.7250217.02223.33228.63233.14237.0151206.66211.09214.81217.96220.6852186.71189.51191.86193.84195.5553156.48157.94159.18160.24161.1354114.29114.80115.22115.60115.925560.3960.3960.3960.3960.39Age Next BirthdayTerm of Loan (years) 16171819202038.6540.8043.0145.2647.572138.7941.0543.3645.7448.212239.0541.4143.8746.4149.092339.4341.9744.6147.3750.272440.0442.7745.6348.6551.822540.9243.8947.0150.3053.822642.1345.3948.8152.4656.322743.7747.3451.1455.1759.472845.9049.8754.0858.5863.392948.6453.0457.7662.8068.223052.1157.0362.3368.0374.183156.4461.9967.9674.4481.513261.8268.1174.9382.3590.453368.5075.6683.4892.00101.233476.4884.7293.69103.41113.903585.8095.24105.48116.54128.443696.70107.50119.15131.69145.1537109.37121.66134.88149.05161.6738123.97137.91152.85166.08177.8539140.72156.48170.35182.62193.5440159.73174.25187.02198.34208.4141177.92191.21202.91213.25222.4742195.15207.22217.83227.22235.5643210.92221.73231.25239.68247.1944224.87234.48242.93250.41257.0745236.90245.31252.70259.24265.0746246.41253.64259.99265.62270.6247252.71258.79264.12268.85273.0748254.65259.62263.99267.85271.2949251.19255.10258.53261.60264.3050240.37243.31245.89248.18250.2151223.04225.09226.90228.50229.9352197.05198.34199.49200.49201.4053161.91162.60163.20163.74164.2254116.20116.43116.65116.83117.005560.3960.3960.3960.3960.39Age Next BirthdayTerm of Loan (years) 21222324252049.9652.4655.0557.7760.642150.7753.4856.2959.2862.412251.8854.8157.9161.1664.632353.3156.5459.9463.5567.382455.1658.7162.4766.4970.792557.5061.4465.6370.1274.972660.4264.8269.5274.6080.132764.0768.9974.3280.1286.422868.5474.1480.2386.8494.012974.0780.4887.4394.96103.093080.9088.2096.12104.67113.873189.2097.52106.51116.20126.613299.21108.68118.87129.81139.7433111.20121.92133.44143.86153.3134125.20137.34148.27158.15167.1135141.22152.68163.01172.35180.8336157.17167.97177.71186.51194.4837172.96183.07192.20200.45207.9338188.38197.82206.34214.04221.0239203.30212.06219.96227.11233.5840217.40225.48232.76239.35245.3341230.69238.08244.74250.78256.2342243.04249.75255.79261.26266.2043253.89259.91265.34270.25274.7144263.03268.38273.18277.54281.4845270.27274.95279.15282.96286.4246275.10279.11282.74286.01288.9847276.82280.20283.25286.00288.5048274.35277.12279.61281.86283.9049266.72268.89270.85272.63274.2450252.02253.66255.14256.47257.6851231.20232.35233.37234.31235.1552202.20202.92203.57204.16204.6853164.63165.02165.35165.67165.9454117.15117.28117.41117.52117.615560.3960.3960.3960.3960.39Age Next BirthdayTerm of Loan (years) 26272829302063.6566.8470.2173.8177.682165.7169.2573.0177.0681.432268.3072.2476.4681.0586.012371.4975.9280.7285.9191.542475.4180.4485.9091.8098.152580.2585.9692.1598.82106.012686.1392.6399.63107.17115.262793.25100.59108.51117.03124.8228101.73110.06119.01127.19134.7029111.84121.24129.83137.69144.9130123.75132.77141.00148.56155.4831136.06144.68152.57159.79166.4132148.77157.00164.52171.41177.7433161.90169.74176.89183.45189.4734175.26182.70189.50195.71201.4435188.54195.56202.00207.87213.2836201.76208.37214.43219.97225.0637214.74220.95226.62231.83236.6038227.37233.17238.45243.31247.7639239.47244.85249.76254.26258.3940250.75255.70260.23264.38268.1741261.20265.73269.88273.66277.1542270.71274.82278.58282.03285.1843278.74282.44285.81288.91291.7444285.08288.35291.35294.10296.5945289.57292.43295.04297.45299.6546291.68294.14296.39298.45300.3547290.77292.84294.73296.46298.0448285.76287.45288.99290.41291.7149275.70277.03278.25279.37280.3950258.76259.77260.68261.51262.2951235.93236.62237.26237.84238.3852205.17205.62206.01206.39206.7353166.21166.43166.65166.84167.0354117.70117.78117.86117.93117.995560.3960.3960.3960.3960.39Table 2A(For policies entered into or adjusted on or after 1 March 1995 but before 1 March 2001)HOME PROTECTION INSURANCE SURRENDER VALUE PER $10,000 OUTSTANDING COVER FOR FEMALE SCHEME MEMBER(PROPERTY PURCHASED FROM HDB, JTC OR MINDEF)Age Next BirthdayTerm of Loan (years) 12345203.185.818.3910.9413.46213.185.818.3910.9413.46223.185.818.3910.9413.46233.185.818.3910.9413.46243.185.818.3910.9413.46253.185.818.3910.9413.46263.185.818.3910.9413.46273.185.818.3910.9413.46283.185.818.3910.9413.46293.185.818.3910.9413.46303.185.818.3910.9413.53313.185.818.3911.0513.79323.185.818.5211.3814.35333.186.018.9812.1015.39343.386.489.7313.1716.79353.586.9910.5914.3718.39363.917.6511.6215.8320.35374.278.4212.8617.6022.68384.689.3314.3319.6825.36395.1810.4716.1022.0928.45405.8011.7118.0024.6931.82416.5713.1820.2227.7135.72427.5914.9922.8831.2940.33438.5716.8925.7535.2645.51449.6319.0029.0239.8651.634511.0321.6333.0845.5659.274612.7724.9138.1652.7368.854714.9529.0844.6161.8080.474817.6434.2652.6572.5293.824921.2040.9362.1084.66108.705025.4547.8371.6797.02124.005130.9656.1282.87111.30141.505236.4764.7194.69126.53160.295342.8274.46108.05143.63181.305450.0485.47123.01162.71204.685560.3999.97141.84186.08232.785667.30111.48158.15207.41259.305774.93124.20176.15230.92263.705883.25138.13195.93224.76242.035992.49153.52173.84183.99190.0660102.62102.62102.62102.62102.62Age Next BirthdayTerm of Loan (years) 6789102015.9418.3720.7723.1425.462115.9418.3720.7723.1425.462215.9418.3720.7723.1425.462315.9418.3720.7723.1425.462415.9418.3720.7723.1425.462515.9418.3720.7723.1425.502615.9418.3720.7723.1725.622715.9418.3720.8223.3125.862815.9418.4320.9823.6026.332916.0018.6021.3024.1327.063016.2119.0021.8924.9528.173116.6719.6922.8726.2229.773217.5020.8124.3128.0332.003318.8422.5026.4130.5634.993420.6224.7229.0933.7338.683522.6927.2832.1637.3542.883625.1830.3135.7741.5847.813728.0733.8239.9546.4853.453831.4137.8644.7352.0759.963935.2342.4550.1858.4867.474039.4247.5456.2965.7676.074144.2853.4963.4874.3786.334250.0360.5772.0984.7498.574356.6568.8482.2596.88112.734464.5378.7694.28111.06129.104574.3990.86108.67127.78148.224686.37105.27125.49147.14170.2147100.53121.98144.88169.24195.1548116.55140.75166.49193.83222.8149134.25161.44190.25220.80253.1450152.64183.02215.20249.26285.2651173.51207.43243.30281.20321.1852196.01233.81273.73315.83349.3253221.11263.16307.52341.84369.1654249.00295.73330.62357.64379.1155282.01317.05343.20363.45379.5856293.80318.36336.71350.90362.1957285.47300.99312.56321.52328.6558253.50261.67267.77272.49276.2559194.08196.96199.10200.77202.0960102.62102.62102.62102.62102.62Age Next BirthdayTerm of Loan (years) 11121314152027.7429.9932.2034.3736.502127.7429.9932.2034.3936.572227.7429.9932.2334.4536.732327.7430.0132.3134.6237.002427.7830.1232.4934.9337.442527.8830.3232.8335.4038.092628.1130.6833.3436.1339.062728.5131.2734.1337.1840.382829.1732.1535.2938.6242.152930.1533.4236.9040.5744.493031.5935.2039.0643.1447.473133.5737.6041.8646.4151.273236.2240.7145.4850.5856.023339.7044.7150.0655.7861.893443.9449.5655.5762.0268.953548.7955.1061.8769.1877.123654.4361.5669.2577.6086.733760.9669.0477.8587.4897.993868.4877.7687.9298.99111.023977.2387.9799.67112.35126.014087.4199.76113.15127.59143.104199.39113.55128.79145.17162.7142113.54129.65146.94165.47185.2343129.78148.05167.60188.46210.6444148.44169.09191.10214.53239.3845170.04193.29217.99244.20271.9646194.75220.80248.43277.68308.6047222.64251.76282.59315.14343.1348253.52285.98320.24349.40374.4649287.32323.41353.72379.50401.6650323.24354.68381.10403.56422.8651353.70380.63403.24422.45438.9952376.58399.13418.07434.19448.0253391.36409.75425.18438.33449.6154396.60411.05423.20433.54442.4255392.67403.51412.63420.38427.0456371.36378.96385.34390.78395.4557334.45339.24343.28346.71349.6558279.30281.82283.96285.76287.3259203.15204.05204.79205.44205.9760102.62102.62102.62102.62102.62Age Next BirthdayTerm of Loan (years) 16171819202038.6540.8043.0145.2647.572138.7941.0543.3645.7448.212239.0541.4143.8746.4149.092339.4341.9744.6147.3750.272440.0442.7745.6348.6551.822540.9243.8947.0150.3053.822642.1345.3948.8152.4656.322743.7747.3451.1455.1759.472845.9049.8754.0858.5863.392948.6453.0457.7662.8068.223052.1157.0362.3368.0374.183156.4461.9967.9674.4481.513261.8268.1174.9382.3590.453368.5075.6683.4892.00101.233476.4884.7293.69103.41113.903585.8095.24105.48116.54128.443696.70107.50119.15131.69145.1537109.37121.66134.88149.05164.2338123.97137.91152.85168.85185.9039140.72156.48173.32191.30210.4340159.73177.49196.42216.56237.9741181.44201.41222.63245.16269.0442206.26228.64252.37277.50299.8843234.23259.24285.70309.14329.9944265.73293.61318.13339.83359.1545301.31326.97349.55369.52387.3046335.42358.83379.45397.70413.9447367.38388.58407.25423.74438.4448396.18415.18431.87446.65459.8249420.86437.66452.43465.50477.1250439.61454.22467.09478.49488.6251453.32465.84476.86486.60495.2852460.02470.52479.75487.92495.2053459.40467.95475.48482.15488.0754450.11456.84462.76468.01472.6755432.81437.85442.30446.21449.7156399.48403.03406.14408.89411.3357352.22354.44356.40358.15359.7058288.66289.82290.87291.77292.5959206.45206.87207.22207.54207.8360102.62102.62102.62102.62102.62Age Next BirthdayTerm of Loan (years) 21222324252049.9652.4655.0557.7760.642150.7753.4856.2959.2862.412251.8854.8157.9161.1664.632353.3156.5459.9463.5567.382455.1658.7162.4766.4970.792557.5061.4465.6370.1274.972660.4264.8269.5274.6080.132764.0768.9974.3280.1286.422868.5474.1480.2386.8494.012974.0780.4887.4394.96103.093080.9088.2096.12104.67113.873189.2097.52106.51116.20126.613299.21108.68118.87129.81141.5433111.20121.92133.44145.77158.9634125.20137.34150.32164.20178.9735141.22154.88169.48185.05201.6036159.55174.93191.31208.72227.2137180.42197.66215.99235.45253.0838204.06223.35243.82262.33279.1139230.74252.28271.70289.24305.1740260.63281.00299.33315.93330.9741290.38309.54326.81342.41356.5942319.87337.81354.00368.63381.9043348.61365.36380.41394.05406.4344376.42391.92405.90418.54429.9845403.20417.47430.32441.95452.5046428.45441.48453.24463.84473.4747451.57463.38473.98483.61492.3248471.57482.14491.65500.24508.0549487.52496.85505.27512.88519.7850497.67505.83513.15519.78525.7951503.05510.01516.28521.96527.1152501.69507.52512.79517.54521.8453493.36498.12502.40506.28509.8054476.85480.58483.95487.00489.7755452.85455.64458.18460.46462.5456413.53415.50417.26418.87420.3357361.07362.31363.43364.46365.3758293.32293.97294.56295.10295.5959208.10208.32208.52208.70208.8960102.62102.62102.62102.62102.62Age Next BirthdayTerm of Loan (years) 26272829302063.6566.8470.2173.8177.682165.7169.2573.0177.0681.432268.3072.2476.4681.0586.012371.4975.9280.7285.9191.542475.4180.4485.9091.8098.152580.2585.9692.1598.82106.012686.1392.6399.63107.17115.262793.25100.59108.51117.03126.1328101.73110.06119.01128.58138.8229111.84121.24131.31142.08153.5630123.75134.35145.66157.74170.6031137.75149.65162.34175.87190.2332154.06167.42181.64196.74210.5933173.02187.98203.86218.40231.7334194.72211.41226.68240.67253.4935219.17235.20249.83263.25275.5536244.03259.34273.36286.20297.9737269.14283.76297.13309.38320.6238294.38308.31321.02332.69343.3739319.65332.85344.92355.97366.1240344.66357.13368.54378.99388.5841369.45381.20391.93401.77410.8042393.95404.96415.02424.23432.6743417.66427.92437.30445.89453.7744440.42449.92458.61466.57473.8645462.09470.84478.84486.14492.8746482.23490.21497.52504.21510.3547500.25507.48514.08520.14525.6948515.14521.62527.54532.95537.9249526.06531.78537.01541.81546.2050531.25536.25540.80544.98548.8251531.79536.05539.95543.52546.8152525.77529.35532.62535.62538.3653512.99515.90518.57521.01523.2654492.29494.57496.68498.60500.3555464.42466.15467.71469.15470.4756421.64422.85423.96424.96425.8957366.19366.96367.65368.29368.8858296.02296.42296.80297.13297.4459209.03209.17209.31209.41209.5460102.62102.62102.62102.62102.62Table 3(For policies entered into or adjusted before 1 March 1995)HOME PROTECTION INSURANCE SURRENDER VALUE PER $10,000 OUTSTANDING COVER FOR MALE SCHEME MEMBER(PROPERTY PURCHASED FROM HUDC)Age Next BirthdayTerm of Loan (years) 12345204.758.0111.2514.5017.76214.758.0111.3214.6117.90224.758.1111.4614.8018.13234.758.1111.4914.8418.21244.758.1711.5614.9618.32254.758.1711.5915.0018.39264.758.2311.6615.0818.52274.758.2311.6615.1318.66284.758.2311.7315.3319.00294.758.3211.9815.7519.53304.758.4912.3416.2120.18314.758.7112.6416.6920.95324.758.7212.8617.2321.85334.759.0413.5618.3323.41345.059.7314.7119.9825.56355.3510.5115.9721.7827.99365.8411.5017.5524.0130.99376.3512.6519.4026.6834.52386.9714.0221.6429.8438.62397.7315.7324.3033.4843.30408.6517.5927.1737.4348.44419.8419.8230.5242.0154.384211.3422.5234.5347.4561.374312.8025.3538.8753.4569.274414.3828.5143.7960.3978.574516.4632.4949.9269.0590.194619.0637.4057.5979.92104.314722.3143.6767.3193.07120.814826.3551.4678.65107.82139.074931.6760.2690.87123.63158.595038.0070.05104.32140.92179.945146.2382.11120.44161.27204.765254.4894.58137.32182.82209.995363.98108.70156.34180.06194.245474.73124.61141.19149.45154.385590.1990.1990.1990.1990.19Age Next BirthdayTerm of Loan (years) 6789102021.0224.2527.4830.6933.862121.1924.4727.7130.9434.142221.4424.7428.0131.2734.532321.5424.8628.1531.4834.832421.6925.0328.4031.8235.252521.7825.2128.6832.1935.752622.0125.5429.1032.7436.482722.2725.9129.6233.4537.442822.7126.5130.4534.5338.822923.4227.4631.6736.0840.763024.3228.6633.2338.0443.153125.4230.1435.1340.4446.113226.7431.9137.4243.3249.633328.7934.5240.6847.2654.313431.5337.9444.8152.1760.053534.6941.8649.5557.7966.593638.4946.5355.1264.3474.233742.9151.9161.5571.8983.003848.0258.1068.9180.5493.093953.8465.1477.3190.45104.744060.2572.9886.73101.71118.134167.6982.0997.80115.03133.854276.4692.94111.04130.83152.284386.57105.61126.42148.98173.314498.61120.53144.26169.83197.2745113.29138.29165.18194.01224.8346130.63158.93189.22221.57256.0447150.55182.38216.32252.48281.0748172.46208.03245.92275.12298.2049195.86235.54265.06287.78305.7550221.48250.94272.83289.69303.0451233.56253.98269.17280.87290.1352228.00240.76250.25257.56263.3453203.62210.28215.23219.04222.0654157.65159.96161.69163.02164.065590.1990.1990.1990.1990.19Age Next BirthdayTerm of Loan (years) 11121314152037.0240.1643.3546.5249.702137.3640.6043.8447.1050.422237.8341.1344.4647.8751.352338.2041.6045.1048.6852.372438.7442.3245.9849.8053.762539.4043.1647.1051.1855.472640.3744.4048.6253.0457.752741.5945.9650.5555.4360.602843.3248.0853.1458.5264.242945.6850.9356.5362.4868.853048.6254.4360.6567.2874.363152.1658.6465.5672.9680.853256.3863.6171.3379.5988.473361.8569.9278.5787.8497.823468.4977.5387.2297.67108.993576.0586.2097.15109.00121.933684.8596.29108.72122.29137.053794.99108.00122.23137.73154.5138106.73121.63137.90155.53174.5539120.38137.44155.95175.92197.4040136.05155.48176.45198.99223.1441154.26176.29199.96225.30252.3742175.41200.29226.88255.31279.5243199.42227.36257.19282.35303.7944226.61257.92284.02306.04324.8245257.69284.70307.21326.23342.4246283.90306.80325.92342.02355.7847304.20323.21339.06352.44363.8348316.86332.20345.01355.81364.9949320.27332.23342.19350.60357.7750313.83322.69330.09336.33341.6551297.61303.76308.88313.21316.9052268.01271.87275.07277.76280.0853224.49226.50228.16229.58230.7854164.93165.61166.21166.69167.115590.1990.1990.1990.1990.19Age Next BirthdayTerm of Loan (years) 16171819202052.9456.2459.6463.1566.802153.8257.3160.9264.6968.622254.9658.6962.5766.6670.952356.2260.2464.4768.9373.642457.9162.2966.9171.8077.002560.0264.8269.9075.2981.042662.7468.0473.6479.6385.992766.1171.9578.2084.8491.952870.3576.8483.7991.2299.192975.6282.8790.6498.96107.973081.9390.0398.75108.16118.403189.3398.46108.31119.03130.683298.00108.32119.56131.78144.9933108.63120.40133.21147.07162.0334121.33134.76149.30165.01181.8835136.02151.28167.73185.44204.4236153.06170.34188.90208.83230.1137172.64192.13213.03235.37255.0138195.01216.94240.37260.89278.9539220.42245.00266.42285.17301.6740248.94271.27290.73307.76322.7541275.64295.78313.33328.70342.2242300.33318.33334.04347.77359.8643322.22338.18352.06364.23374.9444340.95354.90367.06377.71387.1045356.35368.39378.89388.08396.1546367.57377.78386.69394.48401.3447373.63382.10389.50395.95401.6548372.90379.74385.71390.93395.5349363.92369.26373.90377.96381.5450346.22350.18353.61356.63359.2951320.07322.80325.20327.30329.1252282.06283.77285.27286.58287.7253231.82232.71233.49234.16234.7754167.46167.78168.04168.28168.505590.1990.1990.1990.1990.19Age Next BirthdayTerm of Loan (years) 21222324252070.5974.6078.8083.2387.922172.7877.1581.7586.6391.812275.5080.2985.3590.7496.482378.6283.9289.5395.50101.912482.5088.3694.61101.29108.462587.1493.66100.64108.15116.302692.80100.10107.96116.47125.712799.56107.78116.71126.37136.8128107.78117.12127.25138.18149.9929117.73128.35139.83152.19165.4830129.52141.55154.51168.45183.3831143.30156.89171.50187.19203.9332159.25174.59191.03208.60224.3333178.12195.37213.79230.25244.9734199.97219.30236.52251.86265.6235224.71242.70258.72273.01285.7936248.93265.62280.44293.71305.5637272.38287.78301.50313.72324.6638294.91309.07321.65332.90342.9639316.26329.19340.71350.99360.1740336.01347.75358.21367.54375.8741354.16364.75374.19382.59390.1342370.55380.02388.44395.97402.7043384.39392.79400.26406.92412.8744395.37402.71409.26415.07420.3045403.30409.65415.28420.32424.8146407.39412.77417.56421.82425.6447406.67411.14415.10418.64421.8248399.59403.18406.39409.25411.8049384.70387.51389.98392.23394.2150361.63363.70365.56367.22368.6951330.76332.20333.48334.63335.6652288.74289.64290.45291.15291.7953235.30235.76236.19236.57236.8954168.67168.85169.00169.12169.245590.1990.1990.1990.1990.19Age Next BirthdayTerm of Loan (years) 26272829302092.8898.15103.75109.77116.272197.29103.15109.44116.24123.5722102.60109.17116.28123.95132.2323108.78116.22124.26132.93142.2424116.25124.67133.76143.52154.0125125.10134.61144.87155.86167.6326135.66146.41157.94170.28183.4727148.07160.16173.11186.93199.4428162.66176.23190.75203.84215.6729179.72194.94208.65221.02232.1930199.36213.71226.63238.29248.8231218.96232.46244.62255.58265.4832238.42251.10262.50272.80282.1133258.18270.03280.72290.37299.0734277.93289.01298.99307.98316.1235297.27307.58316.85325.23332.7936316.19325.75334.35342.11349.1337334.48343.30351.25358.42364.8938351.97360.08367.38373.97379.9139368.41375.82382.49388.51393.9440383.38390.11396.15401.63406.5741396.88402.96408.42413.34417.7942408.74414.17419.06423.48427.4643418.23423.04427.37431.27434.8144424.99429.18432.98436.39439.4745428.86432.49435.76438.70441.3746429.07432.15434.92437.41439.6847424.67427.20429.51431.59433.4648414.09416.16418.02419.68421.1949395.99397.60399.04400.35401.5350370.02371.22372.28373.26374.1251336.57337.40338.14338.83339.4252292.37292.90293.35293.77294.1553237.19237.47237.70237.92238.1254169.34169.42169.53169.59169.665590.1990.1990.1990.1990.19Table 3A(For policies entered into or adjusted on or after 1 March 1995 but before 1 March 2001)HOME PROTECTION INSURANCE SURRENDER VALUE PER $10,000 OUTSTANDING COVER FOR MALE SCHEME MEMBER (PROPERTY PURCHASED FROM HUDC)Age Next BirthdayTerm of Loan (years) 12345204.758.0111.2514.5017.76214.758.0111.3214.6117.90224.758.1111.4614.8018.13234.758.1111.4914.8418.21244.758.1711.5614.9618.32254.758.1711.5915.0018.39264.758.2311.6615.0818.52274.758.2311.6615.1318.66284.758.2311.7315.3319.00294.758.3211.9815.7519.53304.758.4912.3416.2120.18314.758.7112.6416.6920.95324.758.7212.8617.2321.85334.759.0413.5618.3323.41345.059.7314.7119.9825.56355.3510.5115.9721.7827.99365.8411.5017.5524.0130.99376.3512.6519.4026.6834.52386.9714.0221.6429.8438.62397.7315.7324.3033.4843.30408.6517.5927.1737.4348.44419.8419.8230.5242.0154.384211.3422.5234.5347.4561.374312.8025.3538.8753.4569.274414.3828.5143.7960.3978.574516.4632.4949.9269.0590.194619.0637.4057.5979.92104.314722.3143.6767.3193.07120.814826.3551.4678.65107.82139.074931.6760.2690.87123.63158.595038.0070.05104.32140.92179.945146.2382.11120.44161.27204.765254.4894.58137.32182.82231.215363.98108.70156.34206.99260.755474.73124.61177.65233.94293.575590.19145.70204.63267.08333.1156100.54162.28227.67296.89369.9557111.92180.46252.97329.57375.3058124.37200.41280.73320.74344.6359138.15222.42250.42264.40272.7260153.28153.28153.28153.28153.28Age Next BirthdayTerm of Loan (years) 6789102021.0224.2527.4830.6933.862121.1924.4727.7130.9434.142221.4424.7428.0131.2734.532321.5424.8628.1531.4834.832421.6925.0328.4031.8235.252521.7825.2128.6832.1935.752622.0125.5429.1032.7436.482722.2725.9129.6233.4537.442822.7126.5130.4534.5338.822923.4227.4631.6736.0840.763024.3228.6633.2338.0443.153125.4230.1435.1340.4446.113226.7431.9137.4243.3249.633328.7934.5240.6847.2654.313431.5337.9444.8152.1760.053534.6941.8649.5557.7966.593638.4946.5355.1264.3474.233742.9151.9161.5571.8983.003848.0258.1068.9180.5493.093953.8465.1477.3190.45104.744060.2572.9886.73101.71118.134167.6982.0997.80115.03133.854276.4692.94111.04130.83152.284386.57105.61126.42148.98173.314498.61120.53144.26169.83197.2745113.29138.29165.18194.01224.8346130.63158.93189.22221.57256.0447150.55182.38216.32252.48290.9148172.46208.03245.92286.20328.9549195.86235.54277.72322.48369.8950221.48265.63312.49362.12414.6051250.97300.03351.98406.93464.9252282.56336.95394.49455.22503.2753317.72377.95441.55490.51529.2754356.65423.24472.77510.91541.1055402.85452.29489.06517.38539.7856418.37452.70478.22497.89513.4457405.60427.08443.05455.36465.1058360.46371.69380.03386.45391.5359278.24282.15285.06287.31289.0860153.28153.28153.28153.28153.28Age Next BirthdayTerm of Loan (years) 11121314152037.0240.1643.3546.5249.702137.3640.6043.8447.1050.422237.8341.1344.4647.8751.352338.2041.6045.1048.6852.372438.7442.3245.9849.8053.762539.4043.1647.1051.1855.472640.3744.4048.6253.0457.752741.5945.9650.5555.4360.602843.3248.0853.1458.5264.242945.6850.9356.5362.4868.853048.6254.4360.6567.2874.363152.1658.6465.5672.9680.853256.3863.6171.3379.5988.473361.8569.9278.5787.8497.823468.4977.5387.2297.67108.993576.0586.2097.15109.00121.933684.8596.29108.72122.29137.053794.99108.00122.23137.73154.5138106.73121.63137.90155.53174.5539120.38137.44155.95175.92197.4040136.05155.48176.45198.99223.1441154.26176.29199.96225.30252.3742175.41200.29226.88255.31285.5843199.42227.36257.19288.95322.7044226.61257.92291.25326.65364.1845257.69292.64329.76369.11410.7446292.72331.63372.88416.50462.5347331.71374.93420.63468.86509.9648374.22422.08472.59515.22551.5449420.00472.90517.01554.23585.9550469.99515.53553.51585.55612.8751511.79550.33582.48609.61632.7052542.10574.03600.66623.13642.2753560.59586.35607.83625.94641.3854565.49585.53602.26616.37628.4055557.87572.77585.19595.66604.5856526.00536.35544.96552.23558.4357472.97479.44484.82489.37493.2558395.65399.03401.84404.22406.2459290.51291.70292.68293.50294.2160153.28153.28153.28153.28153.28Age Next BirthdayTerm of Loan (years) 16171819202052.9456.2459.6463.1566.802153.8257.3160.9264.6968.622254.9658.6962.5766.6670.952356.2260.2464.4768.9373.642457.9162.2966.9171.8077.002560.0264.8269.9075.2981.042662.7468.0473.6479.6385.992766.1171.9578.2084.8491.952870.3576.8483.7991.2299.192975.6282.8790.6498.96107.973081.9390.0398.75108.16118.403189.3398.46108.31119.03130.683298.00108.32119.56131.78144.9933108.63120.40133.21147.07162.0334121.33134.76149.30165.01181.8835136.02151.28167.73185.44204.4236153.06170.34188.90208.83230.1137172.64192.13213.03235.37259.1838195.01216.94240.37265.35291.9239220.42245.00271.21299.09328.6740248.94276.44305.68336.71369.5441281.24311.91344.44378.89415.2642317.76351.89387.99426.14459.6943358.49396.36436.35471.37502.1844403.87445.80482.31514.28542.4245454.67492.70525.82554.83580.3546502.10536.35566.16592.28615.2647545.28575.85602.47625.79646.3148582.75609.77633.30653.91672.0349613.20636.80657.34675.34691.1750636.33656.64674.34689.82703.4651652.56669.76684.72697.83709.3652658.72672.98685.37696.24705.8053654.66666.14676.14684.89692.6154638.74647.67655.47662.29668.2955612.26618.90624.67629.75634.2056563.76568.38572.39575.90579.0057496.59499.47501.98504.19506.1258407.99409.50410.81411.96412.9759294.83295.34295.80296.21296.5560153.28153.28153.28153.28153.28Age Next BirthdayTerm of Loan (years) 21222324252070.5974.6078.8083.2387.922172.7877.1581.7586.6391.812275.5080.2985.3590.7496.482378.6283.9289.5395.50101.912482.5088.3694.61101.29108.462587.1493.66100.64108.15116.302692.80100.10107.96116.47125.712799.56107.78116.71126.37136.8128107.78117.12127.25138.18149.9929117.73128.35139.83152.19165.4830129.52141.55154.51168.45183.3831143.30156.89171.50187.19203.9332159.25174.59191.03208.60227.3433178.12195.37213.79233.46254.3834199.97219.30239.93261.88285.1635224.71246.34269.37293.79319.6736252.82276.95302.58329.73358.4137284.50311.40339.86369.94396.8538320.12349.98381.53409.68434.8739359.97393.06422.49448.77472.2640404.23435.01462.37486.82508.6841447.40475.91501.28523.92544.1842489.35515.66539.06559.96578.6443529.40553.55575.05594.22611.3944567.27589.34608.96626.46642.1445602.90622.92640.72656.60670.8246635.58653.60669.63683.94696.7347664.44680.51694.83707.60719.0348688.05702.27714.91726.19736.3049705.16717.57728.62738.47747.2950715.51726.19735.71744.19751.7851719.57728.61736.66743.83750.2652714.24721.73728.40734.34739.6753699.44705.47710.85715.65719.9454673.59678.29682.49686.22689.5755638.13641.63644.75647.52649.9956581.73584.15586.31588.23589.9757507.85509.35510.70511.91512.9958413.86414.66415.36416.00416.5659296.88297.14297.38297.62297.8060153.28153.28153.28153.28153.28Age Next BirthdayTerm of Loan (years) 26272829302092.8898.15103.75109.77116.272197.29103.15109.44116.24123.5722102.60109.17116.28123.95132.2323108.78116.22124.26132.93142.2424116.25124.67133.76143.52154.0125125.10134.61144.87155.86167.6326135.66146.41157.94170.28183.4727148.07160.16173.11186.93201.6928162.66176.23190.75206.23222.6929179.72194.94211.18228.45246.7730199.36216.39234.50253.74274.1031221.80240.80260.97282.34304.9232247.28268.45290.87314.55335.9433276.59300.09324.95347.35367.6034309.84335.90359.37380.53399.6635347.02371.59393.71413.66431.7036384.13407.25428.06446.83463.7937420.98442.68462.21479.84495.7638457.46477.77496.04512.53527.4339493.35512.30529.36544.76558.6640528.28545.91561.77576.09589.0241562.35578.69593.38606.65618.6342595.40610.46624.03636.26647.3243626.77640.61653.07664.31674.4644656.20668.81680.18690.45699.7245683.57695.03705.34714.65723.0746708.22718.53727.84736.21743.7847729.28738.49746.79754.27761.0348745.36753.50760.82767.44773.4149755.21762.31768.71774.50779.7050758.59764.71770.22775.19779.6951756.02761.21765.87770.07773.8852744.44748.74752.60756.08759.2453723.79727.24730.36733.16735.7254692.56695.25697.68699.87701.8455652.23654.22656.02657.65659.1256591.51592.90594.15595.28596.2957513.96514.83515.60516.31516.9658417.06417.51417.92418.29418.6359297.99298.15298.28298.42298.5260153.28153.28153.28153.28153.28Table 4(For policies entered into or adjusted before 1 March 1995)HOME PROTECTION INSURANCE SURRENDER VALUE PER $10,000 OUTSTANDING COVER FOR FEMALE SCHEME MEMBER (PROPERTY PURCHASED FROM HUDC)Age Next BirthdayTerm of Loan (years) 12345203.185.848.4811.0913.69213.185.848.4811.0913.69223.185.848.4811.0913.69233.185.848.4811.0913.69243.185.848.4811.0913.69253.185.848.4811.0913.69263.185.848.4811.0913.69273.185.848.4811.0913.69283.185.848.4811.0913.69293.185.848.4811.0913.69303.185.848.4811.0913.77313.185.848.4811.2114.05323.185.848.6211.5414.65333.186.049.0712.2815.68343.386.529.8513.3717.11353.587.0310.6914.6018.76363.917.6911.7516.0920.76374.278.4813.0017.8823.14384.689.3914.5020.0025.87395.1810.5416.2722.4329.02405.8011.7918.2125.0832.46416.5713.2720.4428.1436.44427.5915.0723.1231.7941.14438.5716.9926.0335.8246.44449.6319.1029.3440.4752.684511.0321.7733.4546.2860.484612.7725.0538.5853.5770.264714.9529.2545.1162.7982.134817.6434.4653.2373.6795.734921.2041.1762.7785.96110.865025.4548.1072.4398.53126.445130.9656.4383.73112.97144.235236.4765.0595.65128.39147.935342.8274.86109.12126.18136.385450.0485.9097.84103.77107.335560.3960.3960.3960.3960.39Age Next BirthdayTerm of Loan (years) 6789102016.2718.8221.3623.8426.322116.2718.8221.3623.8426.322216.2718.8221.3623.8426.322316.2718.8221.3623.8426.322416.2718.8221.3623.8426.322516.2718.8221.3623.8426.352616.2718.8221.3623.8926.492716.2718.8221.4024.0526.762816.2718.8821.5624.3427.252916.3419.0621.9224.9128.043016.5719.4922.5525.7829.233117.0520.2123.5727.1230.933217.9021.3825.0829.0333.263319.2923.1227.2531.6736.413421.1225.4230.0234.9740.273523.2428.0533.2138.7444.663625.7831.1836.9543.1449.793728.7734.7941.2648.2155.683832.1938.9546.2154.0262.453936.0843.6851.8560.6770.294040.3948.9258.1768.2479.294145.3755.0365.6077.1990.014251.2762.3374.5187.99102.794358.0570.8685.04100.62117.594466.1581.1197.52115.39134.704576.2693.58112.41132.73154.634688.56108.39129.81152.81177.4847103.04125.59149.77175.69196.1948119.44144.85172.05192.99209.5749137.52166.04187.24203.57216.5050156.31177.48193.23205.35214.9551164.95179.63190.56198.96205.6252160.87170.05176.88182.13186.2953143.13147.92151.48154.22156.3854109.67111.35112.58113.55114.305560.3960.3960.3960.3960.39Age Next BirthdayTerm of Loan (years) 11121314152028.7531.1433.5135.8338.152128.7531.1433.5135.8638.242228.7531.1433.5535.9638.402328.7531.1833.6436.1338.702428.7931.2733.8336.4739.202528.9031.5234.2137.0039.942629.1531.9134.7837.8041.002729.5932.5535.6638.9542.462830.3033.5136.9240.5444.402931.3534.8938.6642.6646.943032.8936.8040.9745.4250.193135.0039.3343.9948.9554.263237.8042.6547.8553.4159.363341.4646.8852.6958.9465.643445.9251.9958.5265.5473.163551.0057.8265.1873.1681.873656.9264.6172.9782.1092.153763.7372.4982.0692.62104.163871.6381.6792.73104.87118.063980.8092.44105.16119.04134.094091.48104.88119.47135.26152.3141104.08119.40136.02153.92173.2042118.91136.37155.19175.43192.6943135.95155.74177.01194.95210.2344155.52177.85196.49212.22225.6145178.10197.41213.50227.10238.6846197.42213.81227.49239.03248.8647212.75226.39237.74247.34255.5148222.95233.97243.15250.91257.5249226.93235.53242.69248.74253.8750222.70229.08234.38238.87242.7051211.00215.41219.12222.22224.8752189.65192.42194.73196.68198.3353158.14159.58160.79161.79162.6654114.90115.41115.83116.18116.485560.3960.3960.3960.3960.39Age Next BirthdayTerm of Loan (years) 16171819202040.4642.8145.2147.6550.192140.6243.0845.5848.2150.922240.9143.4946.1848.9851.922341.3644.1247.0250.0653.272442.0445.0348.1851.5055.022543.0346.2849.7253.3857.262644.3647.9451.7455.7860.092746.1650.1154.3158.8063.592848.5152.8857.5662.5567.932951.5056.3761.6167.2173.263055.2860.7366.5972.9379.843159.9866.1172.7579.9787.903265.7772.7280.3088.6097.683372.9280.8589.5699.09109.463481.4890.62100.60111.48123.273591.44101.95113.35125.73139.1036103.16115.14128.12142.15157.2537116.75130.38145.10160.96174.9038132.40147.84164.50179.07191.9039150.32167.80183.01196.34208.0840170.66186.54200.37212.49223.1541189.75204.09216.57227.51237.1342207.52220.35231.51241.31249.9143223.37234.74244.65253.33260.9644237.12247.08255.76263.37270.0545248.60257.22264.73271.29277.0746257.30264.61270.98276.57281.4647262.53268.60273.90278.53282.6148263.19268.09272.38276.12279.4349258.31262.13265.47268.39270.9650245.99248.83251.30253.48255.3851227.16229.13230.84232.35233.6752199.75200.99202.06203.00203.8353163.40164.04164.61165.09165.5354116.75116.96117.16117.32117.485560.3960.3960.3960.3960.39Age Next BirthdayTerm of Loan (years) 21222324252052.8255.5758.4661.4964.692153.7656.7559.9063.2266.742255.0258.2861.7465.3969.272356.6660.2464.0668.1172.442458.7662.7266.9371.4676.322561.3965.7970.5075.5981.092664.6769.6074.9180.6586.942768.7374.2880.3086.8794.062873.7380.0286.9294.44102.602979.8787.0994.97103.52112.803087.4195.65104.64114.37124.863196.56105.97116.18127.19139.0432107.57118.27129.83142.27153.4133120.69132.81145.88157.54167.9534136.00149.70161.90172.79182.5335153.48166.24177.58187.71196.7836170.60182.44192.96202.36210.7737187.24198.16207.88216.56224.3438203.22213.28222.21230.20237.3439218.44227.61235.80243.09249.6440232.57240.92248.35254.99260.9341245.63253.17259.88265.88271.2342257.53264.28270.28275.63280.4343267.72273.69279.02283.77288.0344275.97281.22285.87290.05293.7745282.18286.71290.74294.34297.5546285.80289.65293.07296.13298.8747286.20289.41292.25294.79297.0648282.33284.91287.21289.26291.1049273.22275.24277.03278.64280.0750257.07258.56259.89261.09262.1451234.83235.88236.80237.62238.3652204.56205.20205.78206.30206.7653165.90166.25166.55166.82167.0554117.61117.72117.84117.93118.005560.3960.3960.3960.3960.39Age Next BirthdayTerm of Loan (years) 26272829302068.0771.6575.4679.5683.952170.4674.4478.7183.3288.332273.4477.8982.7187.9493.652377.0982.1187.6093.57100.042481.5887.3193.55100.33107.662587.0993.62100.73108.39116.672693.79101.23109.25117.94127.2727101.83110.27119.36129.15138.0028111.45120.98131.25140.52148.8729122.80133.56143.28152.02159.9230136.16146.32155.47163.72171.1731149.68159.24167.84175.62182.6332163.39172.37180.45187.73194.3333177.31185.71193.29200.13206.2934191.26199.11206.19212.56218.3235204.92212.23218.81224.74230.1036218.32225.09231.20236.70241.6837231.30237.56243.19248.29252.8938243.75249.51254.69259.36263.6039255.50260.76265.50269.78273.6440266.24271.04275.35279.23282.7541276.03280.35284.24287.75290.9242284.74288.61292.09295.23298.0843291.83295.26298.35301.13303.6444297.11300.11302.82305.25307.4545300.44303.04305.37307.48309.3846301.31303.53305.50307.28308.9147299.10300.93302.57304.05305.4048292.76294.23295.57296.78297.8549281.36282.50283.55284.48285.3450263.11263.96264.73265.42266.0551239.03239.61240.16240.65241.0752207.18207.55207.87208.19208.4553167.27167.46167.64167.80167.9454118.09118.15118.21118.27118.335560.3960.3960.3960.3960.39Table 4A(For policies entered into or adjusted on or after 1 March 1995 but before 1 March 2001)HOME PROTECTION INSURANCE SURRENDER VALUE PER $10,000 OUTSTANDING COVER FOR FEMALE SCHEME MEMBER (PROPERTY PURCHASED FROM HUDC)Age Next BirthdayTerm of Loan (years) 12345203.185.848.4811.0913.69213.185.848.4811.0913.69223.185.848.4811.0913.69233.185.848.4811.0913.69243.185.848.4811.0913.69253.185.848.4811.0913.69263.185.848.4811.0913.69273.185.848.4811.0913.69283.185.848.4811.0913.69293.185.848.4811.0913.69303.185.848.4811.0913.77313.185.848.4811.2114.05323.185.848.6211.5414.65333.186.049.0712.2815.68343.386.529.8513.3717.11353.587.0310.6914.6018.76363.917.6911.7516.0920.76374.278.4813.0017.8823.14384.689.3914.5020.0025.87395.1810.5416.2722.4329.02405.8011.7918.2125.0832.46416.5713.2720.4428.1436.44427.5915.0723.1231.7941.14438.5716.9926.0335.8246.44449.6319.1029.3440.4752.684511.0321.7733.4546.2860.484612.7725.0538.5853.5770.264714.9529.2545.1162.7982.134817.6434.4653.2373.6795.734921.2041.1762.7785.96110.865025.4548.1072.4398.53126.445130.9656.4383.73112.97144.235236.4765.0595.65128.39163.335342.8274.86109.12145.70184.715450.0485.90124.22165.04208.505560.39100.47143.19188.66237.025667.30112.03159.65210.28264.035774.93124.79177.83234.13267.745883.25138.81197.78227.16244.695992.49154.28174.82185.05191.1860102.62102.62102.62102.62102.62Age Next BirthdayTerm of Loan (years) 6789102016.2718.8221.3623.8426.322116.2718.8221.3623.8426.322216.2718.8221.3623.8426.322316.2718.8221.3623.8426.322416.2718.8221.3623.8426.322516.2718.8221.3623.8426.352616.2718.8221.3623.8926.492716.2718.8221.4024.0526.762816.2718.8821.5624.3427.252916.3419.0621.9224.9128.043016.5719.4922.5525.7829.233117.0520.2123.5727.1230.933217.9021.3825.0829.0333.263319.2923.1227.2531.6736.413421.1225.4230.0234.9740.273523.2428.0533.2138.7444.663625.7831.1836.9543.1449.793728.7734.7941.2648.2155.683832.1938.9546.2154.0262.453936.0843.6851.8560.6770.294040.3948.9258.1768.2479.294145.3755.0365.6077.1990.014251.2762.3374.5187.99102.794358.0570.8685.04100.62117.594466.1581.1197.52115.39134.704576.2693.58112.41132.73154.634688.56108.39129.81152.81177.4847103.04125.59149.77175.69203.4048119.44144.85172.05201.10232.0849137.52166.04196.49228.95263.5150156.31188.19222.19258.37296.8451177.61213.21251.09291.35334.0852200.59240.25282.41327.14362.5453226.22270.37317.19353.27381.8054254.69303.73340.20368.27390.4855288.35324.73351.80372.63389.1256299.64324.89343.65358.12369.5657290.01305.80317.52326.58333.7258256.31264.54270.68275.40279.1359195.21198.08200.23201.87203.1660102.62102.62102.62102.62102.62Age Next BirthdayTerm of Loan (years) 11121314152028.7531.1433.5135.8338.152128.7531.1433.5135.8638.242228.7531.1433.5535.9638.402328.7531.1833.6436.1338.702428.7931.2733.8336.4739.202528.9031.5234.2137.0039.942629.1531.9134.7837.8041.002729.5932.5535.6638.9542.462830.3033.5136.9240.5444.402931.3534.8938.6642.6646.943032.8936.8040.9745.4250.193135.0039.3343.9948.9554.263237.8042.6547.8553.4159.363341.4646.8852.6958.9465.643445.9251.9958.5265.5473.163551.0057.8265.1873.1681.873656.9264.6172.9782.1092.153763.7372.4982.0692.62104.163871.6381.6792.73104.87118.063980.8092.44105.16119.04134.094091.48104.88119.47135.26152.3141104.08119.40136.02153.92173.2042118.91136.37155.19175.43197.1343135.95155.74177.01199.80224.1544155.52177.85201.79227.36254.6245178.10203.23230.07258.67289.1046203.87232.04262.05293.96327.8347232.93264.42297.86333.38363.6248265.07300.13337.33368.73395.4749300.24339.22371.70399.13422.4950337.64371.21399.18422.78442.9151368.61397.02420.70440.66457.6952391.15414.67434.28450.84464.9453404.88423.83439.66453.00464.3754408.46423.21435.52445.91454.7755402.45413.41422.53430.25436.8256378.82386.41392.74398.10402.6557339.51344.27348.24351.58354.4358282.15284.63286.69288.44289.9259204.22205.08205.81206.41206.9360102.62102.62102.62102.62102.62Age Next BirthdayTerm of Loan (years) 16171819202040.4642.8145.2147.6550.192140.6243.0845.5848.2150.922240.9143.4946.1848.9851.922341.3644.1247.0250.0653.272442.0445.0348.1851.5055.022543.0346.2849.7253.3857.262644.3647.9451.7455.7860.092746.1650.1154.3158.8063.592848.5152.8857.5662.5567.932951.5056.3761.6167.2173.263055.2860.7366.5972.9379.843159.9866.1172.7579.9787.903265.7772.7280.3088.6097.683372.9280.8589.5699.09109.463481.4890.62100.60111.48123.273591.44101.95113.35125.73139.1036103.16115.14128.12142.15157.2537116.75130.38145.10160.96177.9738132.40147.84164.50182.35201.4739150.32167.80186.54206.60228.0140170.66190.34211.38233.89257.8241193.88215.97239.56264.68291.3742220.35245.10271.46299.47324.1043250.14277.79307.17332.89355.5044283.64314.44341.27364.78385.4645321.42349.38373.74395.07413.8546356.96382.15404.09423.32440.2247389.63412.13431.74448.89464.0248418.46438.36455.69470.87484.2349442.57459.97475.09488.35500.0150460.19475.15488.18499.59509.6551472.32484.98496.01505.67514.1852477.05487.56496.69504.69511.7253474.15482.60489.97496.42502.1054462.36468.95474.69479.72484.1255442.47447.35451.61455.34458.6256406.58409.98412.92415.51417.7857356.87359.00360.84362.46363.8958291.21292.32293.28294.12294.8759207.38207.77208.11208.40208.6560102.62102.62102.62102.62102.62Age Next BirthdayTerm of Loan (years) 21222324252052.8255.5758.4661.4964.692153.7656.7559.9063.2266.742255.0258.2861.7465.3969.272356.6660.2464.0668.1172.442458.7662.7266.9371.4676.322561.3965.7970.5075.5981.092664.6769.6074.9180.6586.942768.7374.2880.3086.8794.062873.7380.0286.9294.44102.602979.8787.0994.97103.52112.803087.4195.65104.64114.37124.863196.56105.97116.18127.19139.0432107.57118.27129.83142.27155.6233120.69132.81145.88159.90174.9134136.00149.70164.42180.17197.0035153.48168.92185.45203.10221.9336173.46190.81209.35229.11250.1037196.18215.64236.34258.39278.0938221.88243.62266.73287.38305.8339250.85275.10296.66315.93333.1640283.26305.83325.91343.82359.8641314.96335.88354.50371.11385.9742345.88365.19382.37397.70411.4243375.52393.26409.05423.14435.7444403.74419.94434.36447.24458.7645430.44445.15458.24469.91480.3846455.18468.43480.22490.75500.1747477.36489.21499.74509.14517.5548496.03506.50515.81524.12531.5749510.31519.47527.60534.86541.3650518.52526.40533.40539.66545.2551521.68528.34534.27539.56544.2952517.94523.47528.39532.76536.6853507.11511.57515.52519.06522.2254488.05491.50494.58497.33499.8155461.52464.10466.37468.42470.2556419.79421.58423.16424.58425.8557365.14366.25367.25368.14368.9358295.52296.10296.62297.08297.5159208.89209.08209.26209.41209.5760102.62102.62102.62102.62102.62Age Next BirthdayTerm of Loan (years) 26272829302068.0771.6575.4679.5683.952170.4674.4478.7183.3288.332273.4477.8982.7187.9493.652377.0982.1187.6093.57100.042481.5887.3193.55100.33107.662587.0993.62100.73108.39116.672693.79101.23109.25117.94127.2727101.83110.27119.36129.15139.6728111.45120.98131.25142.27154.0729122.80133.56145.13157.53170.7430136.16148.30161.28175.17189.9631151.78165.41179.97195.51212.0032169.94185.23201.51218.83234.4933190.95208.04226.22242.62257.4334214.95234.01251.19266.68280.6735241.95259.94276.13290.74303.9436268.93285.85301.10314.84327.2737295.77311.67325.99338.89350.5438322.38337.26350.67362.75373.6739348.63362.52375.02386.31396.5140374.24387.17398.81409.31418.8041399.31411.29422.08431.82440.6042423.73434.79444.75453.74461.8643447.04457.21466.35474.61482.0744469.08478.36486.72494.26501.0845489.76498.18505.77512.62518.8146508.62516.21523.05529.22534.7947525.10531.88537.98543.50548.4748538.23544.23549.63554.50558.9049547.18552.42557.13561.38565.2350550.25554.77558.83562.49565.8051548.54552.35555.79558.90561.6952540.19543.36546.20548.77551.0953525.06527.61529.90531.97533.8454502.01503.99505.77507.39508.8455471.87473.37474.67475.87476.9656426.98428.01428.93429.75430.5157369.63370.27370.85371.37371.8558297.87298.20298.50298.78299.0159209.70209.81209.91210.00210.1160102.62102.62102.62102.62102.62