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APPENDICES

APPENDIX 10/2

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Month by Month Breakdown of Premium Payments
versus Fund Value for the Case 1 Endowment
Mortgage Policy

Note! The Case 1 Endowment Mortgage Policy was the one represented to me at my pre-contract meeting with First National, i.e. for a Loan Amount of £35,000 borrowed over 20 years.

The figures set out below are based on the following:

Home-Way (Endowment) Mortgage Plan

Prepared for:Mr J O'Meara, aged 37 next birthday

Mrs A O'Meara, aged 32 next birthday

Amount Borrowed:£35,000.00 over 20 years

Date

Monthly Premium

Cummulative Value
Based on 9.75% Net Growth p.a.

April 1, 1991

£79.70

-£42

May 1, 1991

£79.70

-£49

June 1, 1991

£79.70

-£56

July 1, 1991

£79.70

-£64

August 1, 1991

£79.70

-£71

September 1, 1991

£79.70

-£79

October 1, 1991

£79.70

-£86

November 1, 1991

£79.70

-£94

December 1, 1991

£79.70

-£102

Date

Monthly Premium

Cummulative Value
Based on 9.75% Net Growth p.a.

January 1, 1992

£79.70

-£109

February 1, 1992

£79.70

-£117

March 1, 1992

£79.70

-£125

April 1, 1992

£79.70

-£60

May 1, 1992

£79.70

£5

June 1, 1992

£79.70

£70

July 1, 1992

£79.70

£136

August 1, 1992

£79.70

£203

September 1, 1992

£79.70

£270

October 1, 1992

£79.70

£338

November 1, 1992

£79.70

£406

December 1, 1992

£79.70

£475

Date

Monthly Premium

Cummulative Value
Based on 9.75% Net Growth p.a.

January 1, 1993

£79.70

£544

February 1, 1993

£79.70

£614

March 1, 1993

£79,70

£685

April 1, 1993

£79.70

£755

May 1, 1993

£79.70

£826

June 1, 1993

£79.70

£898

July 1, 1993

£79.70

£970

August 1, 1993

£79.70

£1,043

September 1, 1993

£79.70

£1,116

October 1, 1993

£79.70

£1,189

November 1, 1993

£79.70

£1,264

December 1, 1993

£79.70

£1,339

Date

Monthly Premium

Cummulative Value
Based on 9.75% Net Growth p.a.

January 1, 1994

£79.70

£1,415

February 1, 1994

£79.70

£1,492

March 1, 1994

£79.70

£1,569

April 1, 1994

£79.70

£1,647

May 1, 1994

£79.70

£1,724

June 1, 1994

£79.70

£1,803

July 1, 1994

£79.70

£1,881

August 1, 1994

£79.70

£1,960

September 1, 1994

£79.70

£2,040

October 1, 1994

£79.70

£2,120

November 1, 1994

£79.70

£2,201

December 1, 1994

£79.70

£2,284

Date

Monthly Premium

Cummulative Value
Based on 9.75% Net Growth p.a.

January 1, 1995

£79.70

£2,367

February 1, 1995

£79.70

£2,451

March 1, 1995

£79.70

£2,536

April 1, 1995

£79.70

£2,620

May 1, 1995

£79.70

£2,705

June 1, 1995

£79.70

£2,790

July 1, 1995

£79.70

£2,876

August 1, 1995

£79.70

£2,963

September 1, 1995

£79.70

£3,050

October 1, 1995

£79.70

£3,137

November 1, 1995

£79.70

£3,225

December 1, 1995

£79.70

£3,315

Date

Monthly Premium

Cummulative Value
Based on 9.75% Net Growth p.a.

January 1, 1996

£79.70

£3,407

February 1, 1996

£79.70

£3,498

March 1, 1996

£79.70

£3,591

April 1, 1996

£79.70

£3,683

May 1, 1996

£79.70

£3,775

June 1, 1996

£79.70

£3,868

July 1, 1996

£79.70

£3,962

August 1, 1996

£79.70

£4,056

September 1, 1996

£79.70

£4,150

October 1, 1996

£79.70

£4,245

November 1, 1996

£79.70

£4,343

December 1, 1996

£79.70

£4,442

Date

Monthly Premium

Cummulative Value
Based on 9.75% Net Growth p.a.

January 1, 1997

£79.70

£4,541

February 1, 1997

£79.70

£4,641

March 1, 1997

£79.70

£4,741

April 1, 1997

£79.70

£4,841

May 1, 1997

£79.70

£4,942

June 1, 1997

£79.70

£5,043

July 1, 1997

£79.70

£5,144

August 1, 1997

£79.70

£5,246

September 1, 1997

£79.70

£5,352

October 1, 1997

£79.70

£5,458

November 1, 1997

£79.70

£5,564

December 1, 1997

£79.70

£5,672

Date

Monthly Premium

Cummulative Value
Based on 9.75% Net Growth p.a.

January 1, 1998

£79.70

£5,779

February 1, 1998

£79.70

£5,887

March 1, 1998

£79.70

£5,996

April 1, 1998

£79.70

£6,104

May 1, 1998

£79.70

£6,213

June 1, 1998

£79.70

£6,325

July 1, 1998

£79.70

£6,439

August 1, 1998

£79.70

£6,552

September 1, 1998

£79.70

£6,666

October 1, 1998

£79.70

£6,781

November 1, 1998

£79.70

£6,896

December 1, 1998

£79.70

£7,012

Date

Monthly Premium

Cummulative Value
Based on 9.75% Net Growth p.a.

January 1, 1999

£79.70

£7,128

February 1, 1999

£79.70

£7,248

March 1, 1999

£79.70

£7,369

April 1, 1999

£79.70

£7,490

May 1, 1999

£79.70

£7,611

June 1, 1999

£79.70

£7,732

July 1, 1999

£79.70

£7,854

August 1, 1999

£79.70

£7,977

September 1, 1999

£79.70

£8,100

October 1, 1999

£79.70

£8,227

November 1, 1999

£79.70

£8,355

December 1, 1999

£79.70

£8,484

Date

Monthly Premium

Cummulative Value
Based on 9.75% Net Growth p.a.

January 1, 2000

£79.70

£8,613

February 1, 2000

£79.70

£8,742

March 1, 2000

£79.70

£8,872

April 1, 2000

£79.70

£9,002

May 1, 2000

£79.70

£9,132

June 1, 2000

£79.70

£9,266

July 1, 2000

£79.70

£9,401

August 1, 2000

£79.70

£9,537

September 1, 2000

£79.70

£9,673

October 1, 2000

£79.70

£9,810

November 1, 2000

£79.70

£9,947

December 1, 2000

£79.70

£10,085

Date

Monthly Premium

Cummulative Value
Based on 9.75% Net Growth p.a.

January 1, 2001

£79.70

£10,227

February 1, 2001

£79.70

£10,370

March 1, 2001

£79.70

£10,514

April 1, 2001

£79.70

£10,657

May 1, 2001

£79.70

£10,800

June 1, 2001

£79.70

£10,944

July 1, 2001

£79.70

£11,089

August 1, 2001

£79.70

£11,238

September 1, 2001

£79.70

£11,389

October 1, 2001

£79.70

£11,539

November 1, 2001

£79.70

£11,690

December 1, 2001

£79.70

£11,842

Date

Monthly Premium

Cummulative Value
Based on 9.75% Net Growth p.a.

January 1, 2002

£79.70

£11,994

February 1, 2002

£79.70

£12,151

March 1, 2002

£79.70

£12,309

April 1, 2002

£79,70

£12,466

May 1, 2002

£79.70

£12,624

June 1, 2002

£79.70

£12,782

July 1, 2002

£79.70

£12,941

August 1, 2002

£79.70

£13,100

September 1, 2002

£79.70

£13,265

October 1, 2002

£79.70

£13,430

November 1, 2002

£79.70

£13,595

December 1, 2002

£79.70

£13,762

Date

Monthly Premium

Cummulative Value
Based on 9.75% Net Growth p.a.

January 1, 2003

£79.70

£13,928

February 1, 2003

£79.70

£14,100

March 1, 2003

£79.70

£14,273

April 1, 2003

£79.70

£14,445

May 1, 2003

£79.70

£14,618

June 1, 2003

£79.70

£14,791

July 1, 2003

£79.70

£14,964

August 1, 2003

£79.70

£15,143

September 1, 2003

£79.70

£15,323

October 1, 2003

£79.70

£15,503

November 1, 2003

£79.70

£15,684

December 1, 2003

£79.70

£15,865

Date

Monthly Premium

Cummulative Value
Based on 9.75% Net Growth p.a.

January 1, 2004

£79.70

£16,052

February 1, 2004

£79.70

£16,240

March 1, 2004

£79.70

£16,428

April 1, 2004

£79.70

£16,615

May 1, 2004

£79.70

£16,803

June 1, 2004

£79.70

£16,992

July 1, 2004

£79.70

£17,186

August 1, 2004

£79.70

£17,381

September 1, 2004

£79.70

£17,576

October 1, 2004

£79.70

£17,772

November 1, 2004

£79.70

£17,974

December 1, 2004

£79.70

£18,177

Date

Monthly Premium

Cummulative Value
Based on 9.75% Net Growth p.a.

January 1, 2005

£79.70

£18,380

February 1, 2005

£79.70

£18,583

March 1, 2005

£79.70

£18,787

April 1, 2005

£79.70

£18,996

May 1, 2005

£79.70

£19,205

June 1, 2005

£79.70

£19,416

July 1, 2005

£79.70

£19,626

August 1, 2005

£79.70

£19,837

September 1, 2005

£79.70

£20,055

October 1, 2005

£79.70

£20,272

November 1, 2005

£79.70

£20,491

December 1, 2005

£79.70

£20,710

Date

Monthly Premium

Cummulative Value
Based on 9.75% Net Growth p.a.

January 1, 2006

£79.70

£20,935

February 1, 2006

£79.70

£21,160

March 1, 2006

£79.70

£21,387

April 1, 2006

£79.70

£21,684

May 1, 2006

£79.70

£21,984

June 1, 2006

£79.70

£22,292

July 1, 2006

£79.70

£22,602

August 1, 2006

£79.70

£22,914

September 1, 2006

£79.70

£23,229

October 1, 2006

£79.70

£23,551

November 1, 2006

£79.70

£23,877

December 1, 2006

£79.70

£24,204

Date

Monthly Premium

Cummulative Value
Based on 9.75% Net Growth p.a.

January 1, 2007

£79.70

£24,534

February 1, 2007

£79.70

£24,872

March 1, 2007

£79.70

£25,212

April 1, 2007

£79.70

£25,555

May 1, 2007

£79.70

£25,899

June 1, 2007

£79.70

£26,253

July 1, 2007

£79.70

£26,609

August 1, 2007

£79.70

£26,967

September 1, 2007

£79.70

£27,328

October 1, 2007

£79,70

£27,698

November 1, 2007

£79.70

£28,071

December 1, 2007

£79.70

£28,447

Date

Monthly Premium

Cummulative Value
Based on 9.75% Net Growth p.a.

January 1, 2008

£79.70

£28,831

February 1, 2008

£79.70

£29,218

March 1, 2008

£79.70

£29,608

April 1, 2008

£79.70

£30,001

May 1, 2008

£79.70

£30,403

June 1, 2008

£79.70

£30,807

July 1, 2008

£79.70

£31,216

August 1, 2008

£79.70

£31,634

September 1, 2008

£79.70

£32,055

October 1, 2008

£79.70

£32,480

November 1, 2008

£79.70

£32,907

December 1, 2008

£79.70

£33,345

Date

Monthly Premium

Cummulative Value
Based on 9.75% Net Growth p.a.

January 1, 2009

£79.70

£33,785

February 1, 2009

£79.70

£34,229

March 1, 2009

£79.70

£34,683

April 1, 2009

£79.70

£35,139

May 1, 2009

£79.70

£35,599

June 1, 2009

£79.70

£36,069

July 1, 2009

£79.70

£36,542

August 1, 2009

£79.70

£37,017

September 1, 2009

£79.70

£37,503

October 1, 2009

£79.70

£37,992

November 1, 2009

£79.70

£38,484

December 1, 2009

£79.70

£38,986

Date

Monthly Premium

Cummulative Value
Based on 9.75% Net Growth p.a.

January 1, 2010

£79.70

£39,491

February 1, 2010

£79.70

£40,000

March 1, 2010

£79.70

£40,519

April 1, 2010

£79.70

£41,042

May 1, 2010

£79.70

£41,567

June 1, 2010

£79.70

£42,103

July 1, 2010

£79.70

£42,643

August 1, 2010

£79.70

£43,186

September 1, 2010

£79.70

£43,740

October 1, 2010

£79.70

£44,298

November 1, 2010

£79.70

£44,859

December 1, 2010

£79.70

£45,431

Date

Monthly Premium

Cummulative Value
Based on 9.75% Net Growth p.a.

January 1, 2011

£79.70

£46,006

February 1, 2011

£79.70

£46,586

March 1, 2011

£79.70

£47,176

April 1, 2011

£79.70

£47,770

 

Based on Sum Assured

£35,000

 

Surplus

£12,770