Mary and Peter Smith purchased a joint and survivorship annuity contract for $30,000. The contract provided for the couple to receive $150 per month for life. Upon the death of one spouse, the surviving spouse would continue to receive $150 per month. According to the table of ordinary joint life and last survivor annuity based on the age is 22.9. Peter was 69 years age and Mary is 66 years age. What will be the exclusion ratio? (Please show your computation clearly in the space provided below) (5 Pts)