LSJ HOMEWOWNERS INSURANCE ANALYSIS Years Premium Surplus Tax 5% VI Tax .0045% Total terminated 11-30-2011 325,000 16,250 1,463 342,713 12-1-2011 thru 11-30-2012 338,000 16,900 1,521 356,421 12-1-2012 thru 11-30-2013 351,520 17,576 1,582 370,678 12-1-2013 thru 11-30-2014 365,581 18,279 1,645 385,505 12-1-2014 thru 11-30-2015 380,204 19,010 1,711 400,925 12-1-2015 thru 6-1-2016 197,706 9,885 890 208,481 Tota Projected Savings 12-1-2011 thru 6-1-2016 1,722 010 assumes 4% annual increase ** prorated for 6 months EFTA00620124