The following is a life insurance question. The grey boxes are the calculations that I need help being walked through. Thank you

Use the following information in your calculations: Policy year: Year 4 Policyholder age: 47 Face amount: $350,000 Death benefit: Fixed death benefit equal to face amount Investment return, net of fees: 3% Annual premium: $5,000 Annual expenses: $300 Tax rate: 24% Age Insurance charge rate Policy year Surrender charge rate (per $1,000 of net amount at risk) (per $1,000 of face amount) 47 $2.00 $17 48 $2.50 $16 49 $3.00 $15 50 $3.50 $14 51 $4.00 $13 52 $4.50 $12 53 $5.00 $11 54 $5.50 $10 55 $6.00 $9 56 $6.50 $8 57 $7.00 $7 58 $7.50 $6 59 $8.00 $5 60 $8.50 14 $4 61 $9.00 15+ $0 . . . . . .Evolution of cash value during the xear for year 4 Amounts Amounts Cash Value added to deducted balance (after Cash Value from Cash amounts are Value deducted/added) Beginning of year 4 $10,000 Premium $5,000 Administrative fee $3 00 Insurance charge (rate 15 per $1,000 ofNAAR) Annual investment return net of fees Calculation of aftertax net surrender value Cash value at the end of Year 4: Surrender charge: (in year 4, rate is per (Net Surrender $1,000 of face amount) Value) Tax basis Tax (After-tax net surrender value)