[27 Pa.B. 3726]

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Table 3
EARLY RETIREMENT FACTORS - MEN

Age at	Normal Retirement Age
With- drawal	50	51	52	53	54	55	56	57	58	59	60	61	62
30	0.345975	0.325994	0.306929	0.288748	0.271418	0.254912
33	0.400633	0.377496	0.355419	0.334365	0.314298	0.295183	0.276987	0.259677	0.243223
36	0.465630	0.438739	0.413080	0.388611	0.365288	0.343073	0.321925	0.301807	0.282682	0.264515	0.247272
39	0.543403	0.512021	0.482076	0.453519	0.426301	0.400375	0.375695	0.352217	0.329898	0.308696	0.288573
42	0.637096	0.600303	0.565195	0.531715	0.499804	0.469407	0.440472	0.412945	0.386778	0.361921	0.338328	0.315956	0.294754
45	0.750779	0.707420	0.666048	0.626593	0.588988	0.553168	0.519069	0.486631	0.455794	0.426502	0.398699	0.372335	0.347349
46	0.793997	0.748142	0.704388	0.662662	0.622893	0.585010	0.548949	0.514643	0.482032	0.451054	0.421650	0.393768	0.367344
47	0.840255	0.791728	0.745426	0.701269	0.659182	0.619093	0.580930	0.544626	0.510115	0.477332	0.446215	0.416709	0.388746
48	0.889813	0.838425	0.789392	0.742630	0.698061	0.655607	0.615194	0.576749	0.540202	0.505485	0.472533	0.441287	0.411674
49	0.942956	0.888498	0.836536	0.786982	0.739751	0.694762	0.651935	0.611194	0.572464	0.535674	0.500755	0.467642	0.436260
50		0.942248	0.887142	0.834590	0.784502	0.736792	0.691374	0.648168	0.607095	0.568080	0.531048	0.495932	0.462652
51			0.941517	0.885744	0.832586	0.781951	0.733749	0.687895	0.644305	0.602898	0.563596	0.526328	0.491009
52				0.940762	0.884302	0.830522	0.779326	0.730624	0.684327	0.640348	0.598604	0.559021	0.521508
53					0.939984	0.882818	0.828398	0.776629	0.727417	0.680668	0.636297	0.594222	0.554346
54						0.939183	0.881289	0.826215	0.773860	0.724127	0.676923	0.632161	0.589739
55							0.938357	0.879716	0.823971	0.771018	0.720756	0.673096	0.627927
60								0.937507	0.878100	0.821668	0.768105	0.717313	0.669178
57									0.936633	0.876439	0.819306	0.765129	0.713784
58										0.935733	0.874735	0.816892	0.762074
59											0.948811	0.872997	0.814413
60												0.933874	0.871206
61													0.932894

Note: Appropriate factors have been developed for intervening ages at the beginning of the table.

Table 4
EARLY RETIREMENT FACTORS - WOMEN

Age at	Normal Retirement Age
With- drawal	50	51	52	53	54	55	56	57	58	59	60	61	62
30	0.364684	0.344918	0.326012	0.307937	0.290611	0.274158
33	0.419938	0.397177	0.375407	0.354593	0.334700	0.315696	0.297551	0.280233	0.263715
36	0.485005	0.458718	0.433575	0.409536	0.386560	0.364612	0.343655	0.323655	0.304577	0.286389	0.269060
39	0.562034	0.531572	0.502435	0.474578	0.447954	0.422520	0.398234	0.375057	0.352950	0.331873	0.311793
42	0.653747	0.618314	0.584423	0.552020	0.521051	0.491467	0.463219	0.436260	0.410544	0.386029	0.362671	0.340431	0.319268
45	0.763634	0.722245	0.682657	0.644808	0.608633	0.574076	0.541080	0.509589	0.479552	0.450915	0.423632	0.397653	0.372933
46	0.805044	0.761410	0.719676	0.679774	0.641638	0.605207	0.570422	0.537223	0.505557	0.475368	0.446604	0.419217	0.393157
47	0.849160	0.803135	0.759114	0.717026	0.676800	0.638372	0.601681	0.566663	0.533261	0.501417	0.471078	0.442190	0.414701
48	0.896197	0.847623	0.801163	0.756744	0.714290	0.673734	0.635009	0.598052	0.562800	0.529192	0.497173	0.466684	0.437673
49	0.946391	0.895096	0.846034	0.779127	0.754295	0.711468	0.670574	0.631547	0.594321	0.558831	0.525018	0.492821	0.462186
50		0.945800	0.893958	0.844394	0.797022	0.751769	0.708559	0.667321	0.627986	0.590486	0.554758	0.520738	0.488366
51			0.945187	0.892783	0.842697	0.794850	0.749164	0.705563	0.663974	0.624325	0.586549	0.550579	0.516353
52				0.944556	0.891565	0.840944	0.792609	0.746479	0.702478	0.660530	0.620563	0.582508	0.546297
53					0.943899	0.890306	0.839134	0.790296	0.743712	0.699302	0.656989	0.616700	0.578363
54						0.943221	0.889008	0.837268	0.787915	0.740865	0.696037	0.653353	0.612738
55							0.942522	0.887668	0.835344	0.785462	0.737936	0.692683	0.649623
56								0.941800	0.886285	0.833361	0.782937	0.734924	0.689238
57									0.941054	0.884860	0.831320	0.780340	0.731831
58										0.940285	0.883391	0.829218	0.777670
59											0.939492	0.881879	0.827058
60												0.938675	0.880323
61													0.937836

Note:  Appropriate factors have been developed for intervening ages at the beginning of the table.

Table 5
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 2 - MALE MEMBER WITH FEMALE BENEFICIARY

Age of	Age of Member
Bene- ficiary	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55
30	0.8009	0.7916	0.7819	0.7718	0.7613	0.7505	0.7394	0.7279	0.7161	0.7040	0.6915	0.6787	0.6656	0.6523	0.6386	0.6247
35	0.8209	0.8119	0.8025	0.7927	0.7825	0.7720	0.7610	0.7497	0.7380	0.7259	0.7134	0.7006	0.6875	0.6740	0.6602	0.6461
40	0.8423	0.8339	0.8251	0.8158	0.8061	0.7960	0.7854	0.7744	0.7630	0.7511	0.7388	0.7262	0.7131	0.6996	0.6858	0.6716
45	0.8644	0.8568	0.8488	0.8403	0.8313	0.8219	0.8120	0.8016	0.7907	0.7794	0.7676	0.7553	0.7425	0.7293	0.7157	0.7016
50	0.8862	0.8796	0.8726	0.8652	0.8572	0.8488	0.8398	0.8304	0.8204	0.8099	0.7989	0.7873	0.7752	0.7626	0.7494	0.7358
55	0.9067	0.9013	0.8955	0.8892	0.8825	0.8753	0.8676	0.8594	0.8506	0.8413	0.8315	0.8210	0.8100	0.7984	0.7861	0.7733
60	0.9252	0.9209	0.9163	0.9114	0.9060	0.9002	0.8939	0.8871	0.8798	0.8720	0.8636	0.8547	0.8451	0.8349	0.8241	0.8127
65	0.9413	0.9381	0.9347	0.9309	0.9268	0.9223	0.9175	0.9122	0.9065	0.9003	0.8936	0.8864	0.8786	0.8702	0.8612	0.8515
70	0.9549	0.9526	0.9502	0.9475	0.9445	0.9413	0.9377	0.9338	0.9296	0.9250	0.9200	0.9145	0.9085	0.9020	0.8950	0.8874
75	0.9661	0.9646	0.9629	0.9610	0.9590	0.9568	0.9543	0.9516	0.9487	0.9454	0.9419	0.9380	0.9337	0.9291	0.9240	0.9184
	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70
30	0.6105	0.5961	0.5814	0.5666	0.5516	0.5364	0.5211	0.5057	0.4901	0.4745	0.4589	0.4433	0.4276	0.4120	0.3965
35	0.6317	0.6170	0.6021	0.5870	0.5716	0.5561	0.5404	0.5245	0.5086	0.4925	0.4764	0.4603	0.4441	0.4280	0.4120
40	0.6571	0.6423	0.6271	0.6117	0.5960	0.5801	0.5640	0.5478	0.5313	0.5148	0.4981	0.4814	0.4647	0.4480	0.4313
45	0.6871	0.6722	0.6570	0.6414	0.6255	0.6093	0.5929	0.5762	0.5593	0.5422	0.5250	0.5077	0.4904	0.4730	0.4556
50	0.7216	0.7070	0.6919	0.6764	0.6605	0.6442	0.6275	0.6106	0.5933	0.5758	0.5581	0.5402	0.5222	0.5041	0.4860
55	0.7600	0.7460	0.7315	0.7164	0.7009	0.6848	0.6682	0.6513	0.6339	0.6162	0.5981	0.5798	0.5612	0.5425	0.5236
60	0.8006	0.7878	0.7744	0.7604	0.7457	0.7304	0.7144	0.6980	0.6809	0.6634	0.6454	0.6269	0.6081	0.5890	0.5696
65	0.8412	0.8302	0.8185	0.8060	0.7929	0.7790	0.7644	0.7491	0.7331	0.7164	0.6991	0.6812	0.6627	0.6437	0.6242
70	0.8792	0.8703	0.8607	0.8504	0.8394	0.8276	0.8151	0.8017	0.7876	0.7726	0.7568	0.7403	0.7230	0.7050	0.6863
75	0.9123	0.9056	0.8984	0.8905	0.8820	0.8727	0.8627	0.8519	0.8403	0.8279	0.8146	0.8004	0.7853	0.7694	0.7526

Table 6
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 2 - MALE MEMBER WITH MALE BENEFICIARY

Age of	Age of Member
Bene- ficiary	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55
30	0.8225	0.8135	0.8042	0.7944	0.7843	0.7737	0.7628	0.7515	0.7398	0.7277	0.7152	0.7024	0.6893	0.6758	0.6620	0.6479
35	0.8440	0.8356	0.8268	0.8176	0.8080	0.7979	0.7874	0.7764	0.7650	0.7532	0.7409	0.7283	0.7152	0.7019	0.6879	0.6738
40	0.8661	0.8586	0.8506	0.8422	0.8333	0.8239	0.8141	0.8038	0.7930	0.7817	0.7699	0.7576	0.7449	0.7317	0.7181	0.7041
45	0.8878	0.8814	0.8744	0.8670	0.8592	0.8508	0.8420	0.8326	0.8227	0.8123	0.8013	0.7898	0.7778	0.7652	0.7521	0.7385
50	0.9082	0.9029	0.8971	0.8910	0.8844	0.8773	0.8697	0.8616	0.8529	0.8437	0.8340	0.8236	0.8127	0.8012	0.7890	0.7763
55	0.9265	0.9224	0.9178	0.9130	0.9077	0.9020	0.8958	0.8891	0.8820	0.8743	0.8660	0.8572	0.8478	0.8377	0.8270	0.8157
60	0.9424	0.9393	0.9359	0.9323	0.9283	0.9239	0.9191	0.9140	0.9084	0.9023	0.8958	0.8887	0.8810	0.8728	0.8639	0.8544
65	0.9558	0.9536	0.9512	0.9486	0.9457	0.9426	0.9391	0.9353	0.9312	0.9267	0.9218	0.9165	0.9106	0.9043	0.8974	0.8900
70	0.9669	0.9654	0.9637	0.9619	0.9600	0.9578	0.9554	0.9528	0.9500	0.9468	0.9434	0.9396	0.9354	0.9309	0.9259	0.9205
75	0.9758	0.9748	0.9737	0.9726	0.9713	0.9699	0.9683	0.9666	0.9647	0.9626	0.9604	0.9579	0.9551	0.9520	0.9487	0.9450
	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70
30	0.6335	0.6189	0.6039	0.5887	0.5733	0.5577	0.5420	0.5261	0.5101	0.4940	0.4779	0.4617	0.4455	0.4294	0.4133
35	0.6592	0.6444	0.6292	0.6138	0.5981	0.5822	0.5660	0.5497	0.5333	0.5167	0.5000	0.4833	0.4665	0.4497	0.4330
40	0.6896	0.6747	0.6595	0.6439	0.6280	0.6118	0.5953	0.5786	0.5617	0.5446	0.5273	0.5100	0.4926	0.4751	0.4577
45	0.7244	0.7098	0.6948	0.6793	0.6634	0.6471	0.6304	0.6134	0.5962	0.5786	0.5609	0.5430	0.5249	0.5068	0.4886
50	0.7630	0.7491	0.7347	0.7197	0.7041	0.6881	0.6716	0.6546	0.6373	0.6195	0.6015	0.5831	0.5645	0.5457	0.5268
55	0.8037	0.7911	0.7778	0.7638	0.7492	0.7340	0.7182	0.7017	0.6848	0.6672	0.6493	0.6308	0.6120	0.5929	0.5734
60	0.8442	0.8334	0.8218	0.8095	0.7965	0.7828	0.7683	0.7531	0.7372	0.7206	0.7034	0.6855	0.6671	0.6481	0.6287
65	0.8819	0.8732	0.8638	0.8537	0.8429	0.8313	0.8189	0.8057	0.7917	0.7769	0.7613	0.7449	0.7278	0.7099	0.6913
70	0.9145	0.9081	0.9010	0.8933	0.8850	0.8759	0.8661	0.8555	0.8442	0.8319	0.8189	0.8049	0.7900	0.7743	0.7576
75	0.9409	0.9365	0.9315	0.9261	0.9202	0.9137	0.9066	0.8988	0.8904	0.8811	0.8711	0.8602	0.8485	0.8358	0.8222

Table 7
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 2 - FEMALE MEMBER WITH FEMALE BENEFICIARY

Age of	Age of Member
Bene- ficiary	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55
30	0.8453	0.8378	0.8300	0.8218	0.8133	0.8044	0.7952	0.7856	0.7757	0.7654	0.7547	0.7437	0.7324	0.7207	0.7087	0.6963
31	0.8628	0.8558	0.8485	0.8408	0.8327	0.8242	0.8154	0.8061	0.7965	0.7865	0.7760	0.7652	0.7540	0.7425	0.7305	0.7182
40	0.8806	0.8744	0.8678	0.8607	0.8533	0.8454	0.8372	0.8285	0.8194	0.8099	0.7999	0.7895	0.7786	0.7674	0.7557	0.7436
45	0.8981	0.8927	0.8869	0.8808	0.8742	0.8672	0.8598	0.8519	0.8436	0.8348	0.8256	0.8158	0.8056	0.7949	0.7838	0.7721
50	0.9146	0.9101	0.9053	0.9001	0.8946	0.8886	0.8822	0.8754	0.8681	0.8603	0.8521	0.8433	0.8341	0.8243	0.8140	0.8031
55	0.9296	0.9260	0.9222	0.9180	0.9135	0.9086	0.9034	0.8977	0.8917	0.8851	0.8781	0.8706	0.8626	0.8540	0.8450	0.8353
60	0.9428	0.9401	0.9372	0.9340	0.9305	0.9267	0.9226	0.9181	0.9133	0.9081	0.9024	0.8963	0.8897	0.8827	0.8751	0.8669
65	0.9543	0.9523	0.9502	0.9478	0.9452	0.9424	0.9394	0.9360	0.9324	0.9284	0.9241	0.9194	0.9143	0.9087	0.9027	0.8962
70	0.9641	0.9627	0.9612	0.9595	0.9577	0.9557	0.9535	0.9511	0.9485	0.9457	0.9425	0.9391	0.9354	0.9313	0.9268	0.9219
75	0.9724	0.9714	0.9704	0.9693	0.9680	0.9667	0.9652	0.9635	0.9618	0.9598	0.9576	0.9553	0.9527	0.9498	0.9467	0.9433
	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70
30	0.6837	0.6707	0.6574	0.6439	0.6300	0.6160	0.6016	0.5871	0.5723	0.5574	0.5422	0.5270	0.5116	0.4961	0.4805
35	0.7056	0.6925	0.6792	0.6655	0.6515	0.6372	0.6227	0.6078	0.5928	0.5775	0.5620	0.5464	0.5306	0.5147	0.4986
40	0.7311	0.7181	0.7048	0.6911	0.6771	0.6628	0.6480	0.6330	0.6176	0.6021	0.5862	0.5702	0.5540	0.5376	0.5211
45	0.7600	0.7474	0.7344	0.7209	0.7070	0.6927	0.6780	0.6629	0.6474	0.6316	0.6156	0.5992	0.5826	0.5658	0.5488
50	0.7918	0.7799	0.7675	0.7545	0.7411	0.7271	0.7127	0.6977	0.6824	0.6666	0.6505	0.6339	0.6171	0.5999	0.5825
55	0.8251	0.8143	0.8029	0.7909	0.7783	0.7652	0.7514	0.7371	0.7223	0.7069	0.6910	0.6746	0.6578	0.6406	0.6230
60	0.8582	0.8488	0.8389	0.8283	0.8171	0.8053	0.7928	0.7796	0.7658	0.7514	0.7363	0.7206	0.7043	0.6875	0.6701
65	0.8892	0.8816	0.8735	0.8647	0.8553	0.8452	0.8345	0.8230	0.8109	0.7980	0.7844	0.7701	0.7550	0.7393	0.7229
70	0.9166	0.9109	0.9046	0.8978	0.8904	0.8824	0.8738	0.8645	0.8545	0.8437	0.8322	0.8200	0.8069	0.7931	0.7784
75	0.9395	0.9354	0.9309	0.9260	0.9206	0.9147	0.9082	0.9012	0.8936	0.8853	0.8763	0.8666	0.8561	0.8449	0.8327

Table 8
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 2 - FEMALE MEMBER WITH MALE BENEFICIARY

Age of	Age of Member
Bene- ficiary	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55
30	0.8641	0.8572	0.8499	0.8423	0.8342	0.8258	0.8170	0.8078	0.7982	0.7882	0.7778	0.7670	0.7558	0.7443	0.7323	0.7200
35	0.8820	0.8758	0.8692	0.8622	0.8549	0.8471	0.8389	0.8303	0.8212	0.8117	0.8018	0.7914	0.7806	0.7694	0.7577	0.7457
40	0.8994	0.8941	0.8884	0.8823	0.8758	0.8689	0.8615	0.8537	0.8455	0.8368	0.8276	0.8179	0.8078	0.7971	0.7860	0.7744
45	0.9158	0.9114	0.9067	0.9016	0.8961	0.8902	0.8839	0.8771	0.8699	0.8622	0.8541	0.8454	0.8363	0.8266	0.8163	0.8056
50	0.9307	0.9272	0.9234	0.9193	0.9149	0.9101	0.9049	0.8994	0.8934	0.8869	0.8800	0.8726	0.8647	0.8563	0.8473	0.8378
55	0.9438	0.9411	0.9382	0.9351	0.9317	0.9280	0.9240	0.9196	0.9149	0.9097	0.9042	0.8982	0.8917	0.8848	0.8773	0.8692
60	0.9551	0.9532	0.9511	0.9488	0.9463	0.9435	0.9405	0.9373	0.9337	0.9298	0.9256	0.9210	0.9160	0.9106	0.9047	0.8983
65	0.9648	0.9634	0.9620	0.9603	0.9586	0.9566	0.9545	0.9522	0.9496	0.9468	0.9438	0.9405	0.9368	0.9328	0.9285	0.9237
70	0.9730	0.9720	0.9710	0.9699	0.9687	0.9674	0.9660	0.9644	0.9627	0.9608	0.9587	0.9564	0.9539	0.9511	0.9481	0.9447
75	0.9797	0.9791	0.9785	0.9778	0.9770	0.9761	0.9752	0.9742	0.9730	0.9718	0.9704	0.9689	0.9673	0.9655	0.9635	0.9613
	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70
30	0.7074	0.6944	0.6810	0.6673	0.6533	0.6390	0.6244	0.6096	0.5945	0.5792	0.5637	0.5480	0.5322	0.5163	0.5002
35	0.7332	0.7203	0.7070	0.6933	0.6792	0.6648	0.6501	0.6351	0.6197	0.6041	0.5883	0.5722	0.5560	0.5396	0.5230
40	0.7624	0.7498	0.7368	0.7234	0.7095	0.6952	0.6805	0.6654	0.6499	0.6341	0.6180	0.6016	0.5850	0.5682	0.5511
45	0.7943	0.7825	0.7701	0.7572	0.7438	0.7299	0.7155	0.7006	0.6853	0.6695	0.6534	0.6368	0.6200	0.6028	0.5854
50	0.8276	0.8169	0.8056	0.7937	0.7813	0.7682	0.7545	0.7403	0.7255	0.7101	0.6943	0.6780	0.6612	0.6439	0.6263
55	0.8606	0.8514	0.8416	0.8312	0.8201	0.8084	0.7960	0.7830	0.7692	0.7549	0.7399	0.7243	0.7081	0.6913	0.6740
60	0.8914	0.8840	0.8760	0.8674	0.8581	0.8482	0.8376	0.8263	0.8143	0.8016	0.7881	0.7739	0.7590	0.7434	0.7270
65	0.9186	0.9129	0.9068	0.9001	0.8929	0.8851	0.8766	0.8675	0.8576	0.8471	0.8358	0.8237	0.8108	0.7972	0.7827
70	0.9411	0.9371	0.9327	0.9279	0.9226	0.9169	0.9106	0.9038	0.8963	0.8882	0.8795	0.8699	0.8597	0.8486	0.8367
75	0.9588	0.9562	0.9532	0.9500	0.9464	0.9425	0.9382	0.9335	0.9283	0.9225	0.9163	0.9094	0.9019	0.8937	0.8848

Table 9
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 3 - MALE MEMBER WITH FEMALE BENEFICIARY

Age of	Age of Member
Bene- ficiary	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55
30	0.8895	0.8837	0.8776	0.8712	0.8645	0.8575	0.8502	0.8426	0.8346	0.8263	0.8176	0.8086	0.7993	0.7895	0.7795	0.7690
35	0.9016	0.8962	0.8904	0.8844	0.8780	0.8713	0.8643	0.8569	0.8492	0.8412	0.8327	0.8240	0.8148	0.8052	0.7953	0.7850
40	0.9144	0.9094	0.9041	0.8986	0.8926	0.8864	0.8798	0.8728	0.8655	0.8579	0.8498	0.8414	0.8325	0.8233	0.8136	0.8036
45	0.9273	0.9229	0.9182	0.9132	0.9079	0.9022	0.8962	0.8899	0.8831	0.8760	0.8685	0.8606	0.8522	0.8435	0.8343	0.8246
50	0.9397	0.9360	0.9320	0.9277	0.9231	0.9182	0.9129	0.9073	0.9013	0.8950	0.8882	0.8810	0.8734	0.8653	0.8568	0.8478
55	0.9511	0.9481	0.9448	0.9414	0.9376	0.9335	0.9291	0.9244	0.9193	0.9138	0.9080	0.9017	0.8950	0.8879	0.8803	0.8722
60	0.9611	0.9588	0.9563	0.9536	0.9507	0.9474	0.9440	0.9402	0.9361	0.9316	0.9268	0.9216	0.9161	0.9100	0.9036	0.8967
65	0.9697	0.9681	0.9662	0.9642	0.9620	0.9596	0.9570	0.9541	0.9510	0.9475	0.9438	0.9398	0.9354	0.9306	0.9254	0.9198
70	0.9769	0.9757	0.9744	0.9730	0.9714	0.9697	0.9678	0.9658	0.9635	0.9610	0.9583	0.9553	0.9521	0.9485	0.9446	0.9403
75	0.9828	0.9820	0.9811	0.9801	0.9791	0.9779	0.9766	0.9752	0.9737	0.9720	0.9701	0.9680	0.9657	0.9632	0.9605	0.9574
	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70
30	0.7582	0.7469	0.7353	0.7234	0.7110	0.6983	0.6852	0.6717	0.6578	0.6436	0.6291	0.6143	0.5991	0.5836	0.5679
35	0.7743	0.7632	0.7517	0.7397	0.7274	0.7147	0.7016	0.6881	0.6742	0.6600	0.6454	0.6304	0.6151	0.5995	0.5835
40	0.7931	0.7822	0.7708	0.7591	0.7469	0.7343	0.7213	0.7078	0.6939	0.6797	0.6650	0.6500	0.6346	0.6188	0.6027
45	0.8145	0.8040	0.7930	0.7815	0.7696	0.7573	0.7444	0.7311	0.7174	0.7032	0.6886	0.6735	0.6581	0.6422	0.6260
50	0.8383	0.8284	0.8179	0.8070	0.7955	0.7836	0.7712	0.7582	0.7448	0.7308	0.7164	0.7015	0.6861	0.6703	0.6541
55	0.8636	0.8545	0.8449	0.8348	0.8241	0.8129	0.8011	0.7888	0.7759	0.7625	0.7485	0.7340	0.7190	0.7034	0.6873
60	0.8893	0.8813	0.8729	0.8639	0.8543	0.8442	0.8334	0.8221	0.8102	0.7976	0.7845	0.7707	0.7563	0.7413	0.7258
65	0.9138	0.9072	0.9002	0.8926	0.8845	0.8758	0.8665	0.8566	0.8460	0.8348	0.8229	0.8103	0.7971	0.7832	0.7686
70	0.9357	0.9307	0.9252	0.9192	0.9127	0.9057	0.8981	0.8900	0.8812	0.8717	0.8616	0.8508	0.8393	0.8270	0.8140
75	0.9541	0.9505	0.9465	0.9421	0.9373	0.9320	0.9263	0.9200	0.9132	0.9058	0.8978	0.8891	0.8798	0.8697	0.8588

Table 10
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 3 - MALE MEMBER WITH MALE BENEFICIARY

Age of	Age of Member
Bene- ficiary	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55
30	0.9026	0.8972	0.8914	0.8854	0.8791	0.8724	0.8654	0.8581	0.8504	0.8424	0.8340	0.8252	0.8161	0.8065	0.7966	0.7863
35	0.9154	0.9105	0.9052	0.8997	0.8938	0.8876	0.8810	0.8741	0.8668	0.8592	0.8512	0.8428	0.8340	0.8248	0.8151	0.8051
40	0.9283	0.9239	0.9193	0.9143	0.9091	0.9035	0.8975	0.8912	0.8845	0.8774	0.8700	0.8621	0.8538	0.8451	0.8359	0.8263
45	0.9406	0.9369	0.9330	0.9288	0.9243	0.9194	0.9142	0.9087	0.9027	0.8964	0.8897	0.8826	0.8750	0.8670	0.8585	0.8496
50	0.9519	0.9490	0.9458	0.9423	0.9386	0.9346	0.9303	0.9256	0.9206	0.9152	0.9095	0.9033	0.8967	0.8896	0.8821	0.8741
55	0.9618	0.9596	0.9572	0.9545	0.9516	0.9484	0.9450	0.9413	0.9373	0.9329	0.9282	0.9231	0.9176	0.9117	0.9053	0.8985
60	0.9703	0.9687	0.9669	0.9649	0.9628	0.9604	0.9579	0.9551	0.9520	0.9487	0.9450	0.9411	0.9367	0.9321	0.9270	0.9215
65	0.9774	0.9763	0.9750	0.9736	0.9721	0.9704	0.9686	0.9666	0.9644	0.9620	0.9593	0.9564	0.9532	0.9497	0.9459	0.9418
70	0.9832	0.9824	0.9815	0.9806	0.9796	0.9784	0.9772	0.9758	0.9743	0.9727	0.9709	0.9689	0.9666	0.9642	0.9615	0.9586
75	0.9877	0.9872	0.9867	0.9861	0.9854	0.9847	0.9839	0.9830	0.9820	0.9810	0.9798	0.9785	0.9770	0.9754	0.9737	0.9717
	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70
30	0.7756	0.7645	0.7530	0.7411	0.7288	0.7161	0.7030	0.6895	0.6756	0.6614	0.6467	0.6318	0.6164	0.6008	0.5849
35	0.7946	0.7837	0.7724	0.7607	0.7485	0.7359	0.7229	0.7095	0.6956	0.6813	0.6667	0.6516	0.6362	0.6204	0.6044
40	0.8163	0.8058	0.7948	0.7834	0.7715	0.7591	0.7463	0.7331	0.7193	0.7052	0.6905	0.6755	0.6601	0.6442	0.6280
45	0.8402	0.8303	0.8199	0.8090	0.7976	0.7857	0.7733	0.7604	0.7470	0.7331	0.7187	0.7038	0.6885	0.6727	0.6565
50	0.8656	0.8566	0.8470	0.8370	0.8264	0.8152	0.8035	0.7913	0.7785	0.7651	0.7511	0.7367	0.7217	0.7061	0.6901
55	0.8912	0.8834	0.8750	0.8661	0.8566	0.8466	0.8360	0.8247	0.8129	0.8004	0.7873	0.7736	0.7593	0.7444	0.7289
60	0.9155	0.9091	0.9022	0.8947	0.8867	0.8782	0.8690	0.8592	0.8487	0.8376	0.8259	0.8134	0.8003	0.7865	0.7720
65	0.9372	0.9323	0.9269	0.9211	0.9147	0.9079	0.9004	0.8924	0.8838	0.8745	0.8645	0.8538	0.8424	0.8303	0.8175
70	0.9554	0.9518	0.9479	0.9436	0.9390	0.9339	0.9283	0.9222	0.9155	0.9083	0.9004	0.8919	0.8827	0.8728	0.8621
75	0.9696	0.9672	0.9646	0.9617	0.9584	0.9549	0.9510	0.9467	0.9420	0.9368	0.9311	0.9249	0.9180	0.9106	0.9024

Table 11
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 3 - FEMALE MEMBER WITH FEMALE BENEFICIARY

Age of	Age of Member
Bene- ficiary	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55
30	0.9162	0.9117	0.9071	0.9022	0.8970	0.8916	0.8859	0.8799	0.8737	0.8671	0.8602	0.8530	0.8455	0.8377	0.8295	0.8210
35	0.9263	0.9223	0.9180	0.9135	0.9087	0.9036	0.8983	0.8927	0.8867	0.8805	0.8739	0.8670	0.8598	0.8522	0.8443	0.8360
40	0.9365	0.9330	0.9292	0.9251	0.9208	0.9162	0.9114	0.9062	0.9007	0.8949	0.8888	0.8824	0.8755	0.8684	0.8608	0.8529
45	0.9463	0.9433	0.9401	0.9366	0.9329	0.9289	0.9246	0.9200	0.9155	0.9100	0.9044	0.8986	0.8924	0.8858	0.8788	0.8714
50	0.9554	0.9529	0.9503	0.9474	0.9443	0.9410	0.9374	0.9335	0.9294	0.9249	0.9201	0.9150	0.9095	0.9037	0.8975	0.8908
55	0.9635	0.9616	0.9595	0.9573	0.9548	0.9521	0.9492	0.9461	0.9427	0.9391	0.9351	0.9308	0.9262	0.9213	0.9160	0.9103
60	0.9706	0.9691	0.9676	0.9659	0.9640	0.9620	0.9597	0.9573	0.9547	0.9518	0.9487	0.9453	0.9417	0.9377	0.9334	0.9287
65	0.9766	0.9756	0.9744	0.9732	0.9718	0.9704	0.9687	0.9669	0.9650	0.9629	0.9605	0.9580	0.9552	0.9522	0.9489	0.9453
70	0.9817	0.9810	0.9802	0.9793	0.9784	0.9773	0.9762	0.9749	0.9736	0.9721	0.9704	0.9686	0.9666	0.9644	0.9620	0.9594
75	0.9860	0.9855	0.9850	0.9844	0.9837	0.9830	0.9823	0.9814	0.9805	0.9795	0.9784	0.9771	0.9758	0.9743	0.9726	0.9708
	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70
30	0.8121	0.8029	0.7933	0.7834	0.7730	0.7623	0.7513	0.7398	0.7280	0.7158	0.7032	0.6902	0.6769	0.6632	0.6491
35	0.8274	0.8183	0.8089	0.7992	0.7890	0.7784	0.7675	0.7561	0.7443	0.7322	0.7196	0.7067	0.6933	0.6796	0.6655
40	0.8446	0.8360	0.8269	0.8174	0.8075	0.7971	0.7864	0.7752	0.7636	0.7516	0.7392	0.7263	0.7130	0.6993	0.6852
45	0.8637	0.8555	0.8469	0.8378	0.8284	0.8185	0.8081	0.7973	0.7860	0.7742	0.7620	0.7494	0.7363	0.7227	0.7087
50	0.8838	0.8763	0.8684	0.8601	0.8513	0.8420	0.8322	0.8220	0.8112	0.8000	0.7882	0.7760	0.7632	0.7499	0.7362
55	0.9042	0.8976	0.8907	0.8832	0.8753	0.8670	0.8581	0.8487	0.8387	0.8283	0.8173	0.8057	0.7936	0.7809	0.7677
60	0.9237	0.9182	0.9124	0.9061	0.8994	0.8921	0.8844	0.8762	0.8674	0.8580	0.8481	0.8376	0.8265	0.8148	0.8025
65	0.9414	0.9371	0.9325	0.9274	0.9220	0.9161	0.9098	0.9029	0.8956	0.8877	0.8792	0.8701	0.8604	0.8501	0.8391
70	0.9565	0.9534	0.9499	0.9461	0.9420	0.9375	0.9326	0.9273	0.9215	0.9152	0.9084	0.9011	0.8932	0.8846	0.8754
75	0.9688	0.9666	0.9642	0.9616	0.9586	0.9554	0.9519	0.9480	0.9438	0.9392	0.9341	0.9286	0.9225	0.9159	0.9087

Table 12
FACTORS FOR OBTAINING ANNUITIES AND PENSIONS UNDER OPTION 3 - FEMALE MEMBER WITH MALE BENEFICIARY

Age of	Age of Member
Bene- ficiary	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55
30	0.9271	0.9231	0.9189	0.9144	0.9096	0.9046	0.8993	0.8937	0.8878	0.8815	0.8750	0.8681	0.8609	0.8534	0.8455	0.8372
35	0.9373	0.9338	0.9300	0.9260	0.9217	0.9172	0.9124	0.9073	0.9018	0.8961	0.8900	0.8836	0.8768	0.8697	0.8622	0.8543
40	0.9470	0.9441	0.9409	0.9375	0.9338	0.9298	0.9256	0.9211	0.9163	0.9111	0.9056	0.8998	0.8937	0.8871	0.8802	0.8729
45	0.9561	0.9536	0.9510	0.9482	0.9452	0.9419	0.9383	0.9345	0.9304	0.9260	0.9213	0.9162	0.9108	0.9050	0.8989	0.8923
50	0.9641	0.9622	0.9602	0.9580	0.9555	0.9529	0.9501	0.9470	0.9437	0.9401	0.9362	0.9320	0.9275	0.9226	0.9173	0.9117
55	0.9711	0.9697	0.9681	0.9665	0.9646	0.9626	0.9605	0.9581	0.9555	0.9527	0.9497	0.9464	0.9428	0.9389	0.9346	0.9300
60	0.9770	0.9760	0.9749	0.9737	0.9724	0.9709	0.9693	0.9676	0.9657	0.9636	0.9614	0.9589	0.9562	0.9532	0.9500	0.9464
65	0.9821	0.9814	0.9806	0.9798	0.9788	0.9778	0.9767	0.9755	0.9742	0.9727	0.9711	0.9693	0.9674	0.9652	0.9629	0.9603
70	0.9863	0.9858	0.9853	0.9847	0.9841	0.9834	0.9827	0.9819	0.9810	0.9800	0.9789	0.9777	0.9764	0.9749	0.9733	0.9716
75	0.9898	0.9895	0.9891	0.9888	0.9884	0.9879	0.9874	0.9869	0.9863	0.9857	0.9850	0.9842	0.9834	0.9824	0.9814	0.9802
	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70
30	0.8286	0.8196	0.8102	0.8005	0.7903	0.7798	0.7688	0.7575	0.7457	0.7336	0.7210	0.7081	0.6947	0.6810	0.6668
35	0.8460	0.8374	0.8283	0.8189	0.8090	0.7987	0.7880	0.7768	0.7652	0.7532	0.7408	0.7279	0.7146	0.7009	0.6868
40	0.8652	0.8570	0.8485	0.8395	0.8301	0.8202	0.8098	0.7991	0.7878	0.7761	0.7639	0.7513	0.7382	0.7246	0.7106
45	0.8854	0.8780	0.8701	0.8618	0.8531	0.8439	0.8341	0.8239	0.8133	0.8021	0.7904	0.7781	0.7654	0.7522	0.7385
50	0.9057	0.8992	0.8924	0.8850	0.8772	0.8689	0.8601	0.8508	0.8409	0.8305	0.8196	0.8081	0.7960	0.7834	0.7703
55	0.9251	0.9198	0.9140	0.9078	0.9012	0.8940	0.8864	0.8783	0.8696	0.8603	0.8505	0.8401	0.8291	0.8175	0.8053
60	0.9426	0.9384	0.9339	0.9290	0.9236	0.9179	0.9116	0.9049	0.8976	0.8899	0.8815	0.8726	0.8630	0.8528	0.8420
65	0.9575	0.9545	0.9511	0.9474	0.9434	0.9390	0.9342	0.9290	0.9234	0.9172	0.9106	0.9033	0.8955	0.8871	0.8781
70	0.9696	0.9675	0.9652	0.9626	0.9598	0.9566	0.9532	0.9495	0.9453	0.9408	0.9359	0.9305	0.9245	0.9181	0.9111
75	0.9790	0.9776	0.9761	0.9744	0.9725	0.9704	0.9681	0.9656	0.9628	0.9597	0.9563	0.9526	0.9484	0.9439	0.9389

Table 13
4% COMPOUND INTEREST FACTORS

Years		Years
1.	1.0400	19.	2.1068
2.	1.0816	20.	2.1911
3.	1.1248	21.	2.2787
4.	1.1698	22.	2.3699
5.	1.2166	23.	2.4647
6.	1.2653	24.	2.5633
7.	1.3159	25.	2.6658
8.	1.3685	26.	2.7724
9.	1.4233	27.	2.8833
10.	1.4802	28.	2.9987
11.	1.5394	29.	3.1186
12.	1.6010	30.	3.2433
13.	1.6650	31.	3.3731
14.	1.7316	32.	3.5080
15.	1.8009	33.	3.6483
16.	1.8729	34.	3.7943
17.	1.9479	35.	3.9460
18.	2.0258

[Pa.B. Doc. No. 97-1200. Filed for public inspection July 25, 1997, 9:00 a.m.]

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