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SCHEDULE A <br /> Additional Life Insurance <br /> Vesting <br /> Number of Full Years of <br /> Service Completed Since Amount of Cash <br /> Date of Employment Surrender Value <br /> 1 5% <br /> 2 10% <br /> 3 15% <br /> 4 20% <br /> 5 25% <br /> 6 32% <br /> 7 39% <br /> 8 46% <br /> 9 53% <br /> 10 60% <br /> 11 67% <br /> 12 74% <br /> 13 81% <br /> 14 88% <br /> 15 95% <br /> 16 100% <br /> 3:EA-ERMU2 <br />