Credit Disability Insurance

Exhibit 22-3

Class E Alone

Plan	Plan Description	Rate
10	Single Premium 14-day Retroactive	Multiply rate from Exhibit 22-4 times Discount Factor *
11	Single Premium 30-day Retroactive	Multiply rate from Exhibit 22-4 times Discount Factor *
12	Single Premium 14-day Non-Retroactive	Multiply rate from Exhibit 22-4 times Discount Factor *
13	Single Premium 30-day Non-Retroactive	Multiply rate from Exhibit 22-4 times Discount Factor *
14	Single Premium 90-day Non-Retroactive°	$0.12 per year per $100 initial indebtedness times Discount Factor *
16	Outstanding Balance Revolving 14-day Retroactive	$1.59 per month per $1000 of outstanding insured indebtedness
17	Outstanding Balance Revolving 30-day Retroactive	$1.18 per month per $1000 of outstanding insured indebtedness
18	Outstanding Balance Revolving 14-day Non-Retroactive	$1.39 per month per $1000 of outstanding insured indebtedness
19	Outstanding Balance Revolving 30-day Non-Retroactive	$1.04 per month per $1000 of outstanding insured indebtedness
22	Outstanding Balance Other 14-day Retroactive	Multiply applicable Exhibit 22-4 rate by Conversion Formula **
23	Outstanding Balance Other 30-day Retroactive	Multiply applicable Exhibit 22-4 rate by Conversion Formula **
24	Outstanding Balance Other 14-day Non-Retroactive	Multiply applicable Exhibit 22-4 rate by Conversion Formula **
25	Outstanding Balance Other 30-day Non-Retroactive	Multiply applicable Exhibit 22-4 rate by Conversion Formula **
26	Outstanding Balance Other 90-day Non-Retroactive	Multiply Plan 14 SP without discount by Conversion Formula**

* Single premium rates for plans 10 through 14 must be multiplied by the discount factor which is restated as follows:

Discount Factor = (1/(1 + ((i X n)/24)))

Where n = term of insurance coverage in months and i = .035

**Conversion formula is as follows: 20/(n + 1)

Where n = the term of the insurance coverage in months.

°Coverage cannot be less than 6 months