1.

a. To maintain this life insurance policy, how much must John A. Trust pay per year? ($50,000 , $34,390.61 , $12 , or $360)

b. If John A. Trust were to die, how much money would his family receive based on this policy? ($25,000 , $50,000 , $34,390.61 , or $75,000)

Policy Statement This is not a bill, but for informational purposes only Summary Date September 22, 2010 John A Trust Policy Number 999999999A 1200 Jorie Blvd Policy Issue Date September 22, 1987 Oak Brook, IL 60523-2269 Summary Period: From September 22, 2009 To September 22, 2010 If you have any questions regarding the information on this statement or require service, please contact our Home Office using our toll-free number, (BOC)323-7320. To view your policy information online, please visit us at www.mutualtrust.com Insurance Information Primary Insured: John N Trust Death Benefit Triple Crown Flexible Premium Adjustable Life $50,000.00 (Death Benefit Option B: The policy account value is included in the Face Amount) Total: $50,000.00 Additional Coverage(s) Covered Insured Death Benefit Expiry Year Spouse Term Rider Jane A Trust $25,000.00 2014 * Expiry occurs on the policy's anniversary of the issue date, in the year shown Financial Information Premiums Planned premium amount is $360.00, payable on an annual basis. Account Information Previous Summary Period Ending Account Value: $33,477.12 Current Summary Period Premiums Paid $360.00 Interest Credited - Guaranteed 1.322.82 Sub-Total: $35,159.94 Administration Charge (12.00) Premium Charges (18.00) Cast of Insurance Base (257.53) Cast of Insurance Riders (481.80) Ending Account Value: $34, 390.61 Surrender Charge (0.00) Cash Surrender Value: $34,390.61 Guaranteed interest is based on an effective annual rate of 4.00%. Excess interest is the difference between the guaranteed rate and the interest rate paid by the Company. The combined guaranteed and excess rates equal the current rate, which was 4.00%. Excess interest is not credited to loaned portions of the account value in the first ten policy years. The expense charges for the next policy year will be 5.00% of each premium paid and $ 1.00 monthly administration charge. The company will determine the monthly cost of insurance rates based on our expectations of future mortality experience, investment earnings, expenses, and persistency. These rates may change from time to time. The cost of insurance deductions for the next policy year are to be expected to be calculated at a monthly rate of: $21.95 Base Plan $ 43.21 Jane A Trust