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Schedule B -3
<br />12/31/95 12/31/96 12/31/97 12/31/98 12/31/99
<br />Years of Accrued Years of Accrued Years of Accrued Years of Accrued Years of Accrued
<br />Service Liability Service Liability Service Liability Service Liability Service Liability
<br />0 $0.00 0 $0.00 0 $0.00 0 $0.00 0 $0.00
<br />5 6,847.00 6 8,405.00 7 10,086.00 8 11,808.00 9 13,653.00
<br />22 45,100.00 23 47,150.00 24 49,200.00 25 51,250.00 26 53300.00
<br />0 0.00 0 0.00 0 0.00 0 0.00 0 0.00
<br />5 6,847.00 6 8,405.00 7 10,086.00 8 11,808.00 9 13,653.00
<br />13 21,935.00 14 24,272.00 15 26,732.00 16 29,274.00 17 31,980.00
<br />0 0.00 0 0.00 0 0.00 0 0.00 0 0.00
<br />21 43,050.00 22 45,100.00 23 47,150.00 24 49,200.00 25 51,250.00
<br />0 0.00 0 0.00 0 0.00 0 0.00 0 0.00
<br />16 29,274.00 17 31,980.00 18 34,809.00 19 37,802.00 20 41,000.00
<br />10 15,580.00 11 17,589.00 12 19,721.00 13 21,935.00 14 24,272.00
<br />0 0.00 0 0.00 0 0.00 0 0.00 0 0.00
<br />10 15,580.00 11 17,589.00 12 19,721.00 13 21,935.00 14 24,272.00
<br />17 31,980.00 18 34,809.00 19 37,802.00 20 41,000.00 21 43,050.00
<br />13 21,935.00 14 24,272.00 15 26,732.00 16 29,274.00 17 31,980.00
<br />19 37,802.00 20 41,000.00 21 43,050.00 22 45,100.00 23 47,150.00
<br />13 21,935.00 14 24,272.00 15 26,732.00 16 29,274.00 17 31,980.00
<br />13 21,935.00 14 24,272.00 15 26,732.00 16 29,274.00 17 31,980.00
<br />14 24,272.00 15 26,732.00 16 29,274.00 17 31,980.00 18 34,809.00
<br />0 0.00 0 0.00 0 0.00 0 0.00 0 0.00
<br />13 21,935.00 14 24,272.00 15 26,732.00 16 29,274.00 17 31980.00
<br />27 55,350.00 0 0.00 0 0.00 0 0.00 0 0.00
<br />18 34,809.00 19 37,802.00 20 41,000.00 21 43,050.00 22 45,100.00
<br />4 5,330.00 5 6,847.00 6 8,405.00 7 10,086.00 8 11,808.00
<br />19 37,802.00 20 41,000.00 21 43,050.00 22 45,100.00 23 47,150.00
<br />0 0.00 0 0.00 0 0.00 0 0.00 0 0.00
<br />19 37,802.00 20 41,000.00' 21 43,050.00 22 45,100.00 23 47,150.00
<br />11 17589.00 12 19,721.00 13 21,935.00 14 24,272.00 15 26,732.00
<br />24 49,200.00 25 51,250.00 26 53300.00 27 55,350.00 0 0.00
<br />11 17,589.00 12 19,721.00 13 21,935.00 14 24,272.00 15 26,732.00
<br />27 55,350.00 0 0.00 0 0.00 0 0.00 0 0.00
<br />10 15,580.00 11 17,589.00 12 19,721.00 13 21,935.00 14 24,272.00
<br />22 45,100.00 23 47,150.00 24 49,200.00 25 51,250.00 26 53,300.00
<br />9 13,653.00 10 15,580.00 11 17,589.00 12 19,721.00 13 21,935.00
<br />3 3,895.00 4 5330.00 5 6,847.00 6 8,405.00 7 10,086.00
<br />7 10,086.00 8 11,808.00 9 13,653.00 10 15,580.00 11 17,589.00
<br />4 5,330.00 5 6,847.00 6 8,405.00 7 10,086.00 8 11,808.00
<br />3 3,895.00 4 5,330.00 5 6,847.00 6 8,405.00 7 10,086.00
<br />3 3,895.00 4 5,330.00 5 6,847.00 6 8,405.00 7 10,086.00
<br />3 3,895.00 4 5,330.00 5 6,847.00 6 8,405.00 7 10,086.00
<br />2 2,542.00 3 3,895.00 4 5330.00 5 6,847.00 6 8,405.00
<br />2 2,542.00 3 3,895.00 4 5,330.00 5 6,847.00 6 8,405.00
<br />1 1,230.00 2 2,542.00 3 3,895.00 4 5,330.00 5 6,847.00
<br />1 1,230.00 2 2,542.00 3 3,895.00 4 5,330.00 0 0.00
<br />1 1,230.00 2 2,542.00 3 3,895.00 4 5,330.00
<br />1 1,230.00 2 2,542.00 3 3,895.00 4 5,330.00
<br />1 1,230.00 2 2,542.00 3 3,895.00
<br />1 1,230.00 2 2,542.00 3 3,895.00
<br />789,701.00 753,088.00 829,184.00 906,838.00 922,336.00
<br />46,945.00 48,35335 49,803.95 51,298.07 52,837.01
<br />5,436.00 5599.08 5,767.05 5,940.06 6,118.26
<br />7,104.00 7,317.12 7,536.63 7,762.73 7,995.61
<br />2/20,
<br />$849,186.00 $814,357.55 $892,291.63 $971,838.86 3989286.88
<br />Page 25
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