Contributions to a pension plan of 5% of salary at hire are made throughout an employee's working lifetime. The salary scale function, Sx = (1 + B)*, is strictly followed for each individual employee. An employee, now aged (25), and earning RM35,500 was hired 8 years ago. The actuarial present value of his future contributions is RM2,200. If the force of total decrement and the force of interest are each constant and equal to 0.09, calculate .