{"text_format":"1","workbook":"xlsx","n_sheets":4,"sheets":["MENU","Premium","Rate Cards","DATA"],"not_rendered":{"charts":1,"images":6,"macros":1,"external_links":1,"defined_names":16,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"MENU","index":0,"n_rows":136,"n_cols":9,"rows_kept":136,"cut":false,"hidden":false,"merged":[[28,5,28,11],[29,5,31,11],[135,1,138,11],[9,12,9,14],[24,6,24,9],[25,6,25,7],[25,8,25,9],[26,6,26,7],[26,8,26,9]]}
[]
[]
[]
[]
[]
[null,null,null,null,null,"Enables you to calculate the Lenders Mortgage Insurance (LMI) "]
[null,null,null,null,null,"premium rate for your customers in our easy-to-use spreadsheet"]
[null,null,null,null,null,"In just a few steps, you will obtain the applicable premium rate"]
[null,null,null,null,null,"The calculator will be updated and reissued to you by Genworth to "]
[null,null,null,null,null,"reflect any changes to our policy or pricing, ensuring you receive the"]
[null,null,null,null,null,"most accurate premium rate."]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,"The Quick Guide details how to use the Genworth LMI Premium"]
[null,null,null,null,null,"Calculator. If you have any questions please contact your"]
[null,null,null,null,null,"Genworth Relationship Manager."]
[]
[]
[]
[null,null,null,null,null,"Disclaimer"]
[null,null,null,null,null,null,"VERSION 2020-08"]
[null,null,null,null,null,null,"Effective date",null,"2020-07-01"]
[null,null,null,null,null,null,"Valid until ",null,"2021-06-30"]
[]
[null,null,null,null,null,"Prepared for:"]
[null,null,null,null,null,"Resimac"]
[]
[]
[null,null,null,null,null," "]
["  Confidential. Genworth Financial Mortgage Insurance Pty Limited ABN 60 106 974 305. "]
["  ® Genworth, Genworth Financial and the Genworth logo are registered service marks of Genworth Financial, Inc and used pursuant to licence."]
["  © 2020 Genworth Financial Mortgage Insurance Pty Limited. All rights reserved."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"DISCLAIMER\nThis Premium Calculator is confidential information of Genworth Financial Mortgage Insurance Pty Limited (Genworth).  The Premium Calculator, including any part of it and information derived from it, must not be disclosed to any person except with Genworth’s prior written consent.  \nThis Premium Calculator is a guide only of the premium that may be payable.  The actual amount of premium payable will be calculated by Genworth in connection with an application for insurance. Use of this premium Calculator does not constitute an application for insurance and the actual premium payable may be different to any guide previously provided. In no event shall Genworth or any of its related bodies corporate, related entities or employees be liable for any direct, indirect, special, consequential or other loss (including, without limitation, any lost profits, business interruption, loss of information or other data) related to the use of this Premium Calculator.  Genworth reserves the right to make amendments to this Premium Calculator at any time and without any prior notification.\n"]

{"sheet":"Premium","index":1,"n_rows":79,"n_cols":23,"rows_kept":79,"cut":false,"hidden":false,"merged":[[47,13,47,14],[4,4,4,6],[48,13,48,14]]}
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,"Resimac LMI Premium Calculator"]
[null,null,null,null,"Click on any field label below for a description of required content.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"RITC - (1=Yes, 2=No)",{"$f":"DATA!$C$77","v":1}]
[]
[null,null,null,null,"POLICY DETAILS",null,null,null,"LOAN DETAILS",null,null,null,null,null,"TOTAL LOAN AMOUNT"]
[]
[null,null,null,null,"Borrower Name",null,null,null,"Predominant Loan Purpose",null,1]
[]
[null,null,null,null,"Lenders Reference Number",null,null,null,"New Loan or Top-up?",null,1,null,null,null,"TOTAL CAPITALISED LOAN AMOUNT"]
[]
[null,null,null,null,"LMI Product",null,1,null,"New Loan Amount"]
[]
[null,null,null,null,"Self Employed?",null,1,null,"Existing Loan Balance",null,null,null,null,null,"TOTAL SECURITY VALUE"]
[]
[null,null,null,null,"First Home Buyer?",null,2,null,"Loan Term",null,1]
[]
[null,null,null,null,{"$f":"IF(AND($G$17=1,$K$9>1),\"Error: FHB Not eligible\",\"\")","v":""},null,{"$f":"IF($G$13=2,IF($G$17=1,\"Error: FHB not eligible\",\"\"),\"\")","v":""},null,{"$f":"IF($K$13>0,IF($K$11=2,\"Premium credit amount\",\"\"),\"\")","v":""},null,null,null,null,null,"TOTAL PREMIUM PAYABLE"]
[]
[null,null,null,null,{"$f":"IF($K$11=2,IF($G$17=1,\"Error: FHB not eligible\",\"\"),\"\")","v":""},null,{"$f":"IF($G$13=2,IF($K$17>1,\"Error: LMI Product Mismatch\",\"\"),\"\")","v":""},null,null,null,{"$f":"IF($K$11=1,IF($K$19<>\"Not Used\",IF($K$19>0,\"Error: Reset\",\"\"),\"\"),\"\")","v":""}]
[]
[]
[]
[]
[null,null,null,null,"SECURITY DETAILS"]
[]
[null,null,null,null,"STATE OF SECURITY",null,"OCCUPANCY TYPE",null,"VALUE"]
[]
[null,null,null,null,1,null,1,null,null,null,null,null,null,null,"BASE LVR %"]
[]
[null,null,null,null,1,null,1]
[]
[null,null,null,null,1,null,1,null,null,null,null,null,null,null,"CAPITALISED LVR %"]
[]
[null,null,null,null,1,null,1]
[]
[null,null,null,null,1,null,1]
[]
[]
[]
[null,null,null,null,"PREMIUM PAYABLE TO GENWORTH",null,null,null,"LENDER's CHARGE TO BORROWER"]
[]
[null,null,null,null,"Premium Amount",null,null,null,"Premium Amount"]
[]
[null,null,null,null,"GST. (1/11th of Premium)",null,null,null,"GST. (25% x 1/11th of Premium)",null,null,null,null,null,"DATE"]
[]
[null,null,null,null,"Stamp Duty",null,null,null,"Stamp Duty",null,null,null,null,{"$f":"TODAY()","v":"2020-08-24"}]
[]
[null,null,null,null,"Total Premium",null,null,null,"Total Premium"]
[]
[]
[]
[null,null,null,null,"EFFECTIVE DATE:",null,"2020-07-01",null,"VALID UNTIL:",null,"2021-06-30",null,null,null,"VERSION NO. 20200824"]
[]
[]
[]
[null,"*Please contact the customer service center at 1300 661 118 between 8.30 am and 5:30 pm AEST for any queries."]
[]
[null,null,null,null,"PREMIUM PAYABLE TO GENWORTH",null,{"$f":"IF(AND($O$62<>0,$O$66<>0,$O$70<>0,$O$74<>0,$E$19=\"\",$E$21=\"\",$G$19=\"\",$G$21=\"\",$K$21=\"\",$G$62<>\"Refer\"),\"\",\"**********Error**********\")","v":"**********Error**********"},null,"LENDER's CHARGE TO BORROWER",null,{"$f":"IF(AND($O$62<>0,$O$66<>0,$O$70<>0,$O$74<>0,$E$19=\"\",$E$21=\"\",$G$19=\"\",$G$21=\"\",$K$21=\"\",$G$62<>\"Refer\"),\"\",\"**********Error**********\")","v":"**********Error**********"},null,null,null,"TOTAL LOAN AMOUNT",null,null,null,null,"BASE LVR %"]
[]
[null,null,null,null,"Premium Amount",null,{"$f":"IF(ISERROR(DATA!$L$100-$G$64),\"Refer\",(DATA!$L$100-$G$64))","v":"Refer"},null,"Premium Amount",null,{"$f":"IF(DATA!$C$77=1,$G$62,\"N/A\")","v":"Refer"},null,null,null,{"$f":"$K$13+$K$15","v":0},null,null,null,null,{"$f":"IF(DATA!$H$28=0,\"0.00%\",DATA!$G$60)","v":"0.00%"}]
[]
[null,null,null,null,"GST. (1/11th of Premium)",null,{"$f":"IF(ISERROR(DATA!$L$100/11),\"Refer\",ROUND(DATA!$L$100/11,2))","v":"Refer"},null,"GST. (25% x 1/11th of Premium)",null,{"$f":"IF(DATA!$C$77=1,IF(ISERROR($G$64*0.25),\"Refer\",ROUND($G$46*0.25,2)),\"N/A\")","v":"Refer"},null,null,null,"TOTAL CAPITALISED LOAN AMOUNT",null,null,null,null,"CAPITALISED LVR %"]
[]
[null,null,null,null,"Stamp Duty",null,{"$f":"IF(ISERROR(DATA!$K$28),\"Refer\",DATA!$K$28)","v":0},null,"Stamp Duty",null,{"$f":"IF(DATA!$C$77=1,$G$66,\"N/A\")","v":0},null,null,null,{"$f":"DATA!$C$81","v":0},null,null,null,null,{"$f":"DATA!$C$82","v":0}]
[]
[null,null,null,null,"Total Premium",null,{"$f":"SUM(G62:G66)","v":0},null,"Total Premium",null,{"$f":"SUM(K62:K66)","v":0},null,null,null,"TOTAL SECURITY VALUE"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM($I$30:$I$38)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TOTAL PREMIUM PAYABLE"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$G$68","v":0}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Error Message"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($O$62=0,\"ERROR: PLEASE ENTER A LOAN AMOUNT\",IF(AND($G$17=1,$K$9>1),\"Error: FHB Not eligible\",IF($K$11=2,IF($G$17=1,\"Error: FHB not eligible\",\"\"),IF($G$13=2,IF($G$17=1,\"Error: FHB not eligible\",\"\"),IF($T$66>0.95,\"ERROR: TOTAL CAPITALISED LVR EXCEEDS 95%\",\"\")))))","v":"ERROR: PLEASE ENTER A LOAN AMOUNT"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND($O$62=0,$O$66=0,$O$70=0,$O$74=0,$E$19=\"\",$E$21=\"\",$G$19=\"\",$G$21=\"\",$K$21=\"\",$G$62=\"Refer\"),\"\",\"**********Error**********\")","v":""}]

{"sheet":"Rate Cards","index":2,"n_rows":148,"n_cols":25,"rows_kept":148,"cut":false,"hidden":true,"merged":[[147,2,147,11],[147,15,147,24],[117,2,117,11],[117,15,117,24],[27,2,27,11],[27,15,27,24],[57,2,57,11],[57,15,57,24],[87,2,87,11],[87,15,87,24]]}
["STANDARD\n\n",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M",null,"STANDARD\nFirst Home Buyer",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M"]
[null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001,null,null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001]
["Up to 60%",1.0000000000000001E-5,0.38,0.4,0.43,0.43,0.43,0.48,0.48,0.48,0.48,0.48,null,"Up to 60%",1.0000000000000001E-5,0.36,0.38,0.41,0.41,0.41,0.45,0.45,0.45,0.45,0.45]
["above 60% to 65%",0.60001000000000004,0.4,0.44,0.55000000000000004,0.55000000000000004,0.55000000000000004,0.61,0.61,0.61,0.61,0.61,null,"above 60% to 65%",0.60001000000000004,0.38,0.41,0.52,0.52,0.52,0.57999999999999996,0.57999999999999996,0.57999999999999996,0.57999999999999996,0.57999999999999996]
["above 65% to 70%",0.65000999999999998,0.42,0.46,0.63,0.63,0.63,0.69,0.69,0.69,0.69,0.69,null,"above 65% to 70%",0.65000999999999998,0.4,0.43,0.59,0.59,0.59,0.66,0.66,0.66,0.66,0.66]
["above 70% to 75%",0.70001000000000002,0.44,0.5,0.85,0.85,0.85,0.93,0.93,0.93,0.93,0.93,null,"above 70% to 75%",0.70001000000000002,0.41,0.48,0.8,0.8,0.8,0.88,0.88,0.88,0.88,0.88]
["above 75% to 80%",0.75000999999999995,0.48,0.55000000000000004,0.91,0.91,0.91,1.01,1.01,1.01,1.01,1.01,null,"above 75% to 80%",0.75000999999999995,0.46,0.52,0.86,0.86,0.86,0.95,0.95,0.95,0.95,0.95]
["above 80% to 81%",0.80001,0.54,0.63,1,1,1,1.1000000000000001,1.1000000000000001,1.1000000000000001,1.1000000000000001,1.1000000000000001,null,"above 80% to 81%",0.80001,0.51,0.59,0.95,0.95,0.95,1.04,1.04,1.04,1.04,1.04]
["above 81% to 82%",0.81001000000000001,0.55000000000000004,0.63,1,1,1,1.1000000000000001,1.1000000000000001,1.1000000000000001,1.1000000000000001,1.1000000000000001,null,"above 81% to 82%",0.81001000000000001,0.52,0.59,0.95,0.95,0.95,1.04,1.04,1.04,1.04,1.04]
["above 82% to 83%",0.82001000000000002,0.77,0.95,1.17,1.17,1.17,1.28,1.28,1.28,1.28,1.28,null,"above 82% to 83%",0.82001000000000002,0.73,0.9,1.1100000000000001,1.1100000000000001,1.1100000000000001,1.22,1.22,1.22,1.22,1.22]
["above 83% to 84%",0.83001000000000003,0.77,0.95,1.24,1.24,1.24,1.37,1.37,1.37,1.37,1.37,null,"above 83% to 84%",0.83001000000000003,0.73,0.9,1.18,1.18,1.18,1.3,1.3,1.3,1.3,1.3]
["above 84% to 85%",0.84001000000000003,0.97,1.25,1.43,1.43,1.43,1.58,1.58,1.58,1.58,1.58,null,"above 84% to 85%",0.84001000000000003,0.92,1.19,1.36,1.36,1.36,1.49,1.49,1.49,1.49,1.49]
["above 85% to 86%",0.85001000000000004,1,1.25,1.57,1.57,1.57,1.72,1.72,1.72,1.72,1.72,null,"above 85% to 86%",0.85001000000000004,0.95,1.19,1.49,1.49,1.49,1.63,1.63,1.63,1.63,1.63]
["above 86% to 87%",0.86001000000000005,1.18,1.43,1.74,1.74,1.74,1.91,1.91,1.91,1.91,1.91,null,"above 86% to 87%",0.86001000000000005,1.1200000000000001,1.35,1.65,1.65,1.65,1.81,1.81,1.81,1.81,1.81]
["above 87% to 88%",0.87000999999999995,1.18,1.43,1.83,1.83,1.83,2.02,2.02,2.02,2.02,2.02,null,"above 87% to 88%",0.87000999999999995,1.1200000000000001,1.35,1.74,1.74,1.74,1.92,1.92,1.92,1.92,1.92]
["above 88% to 89%",0.88000999999999996,1.53,2,2.35,2.35,2.35,2.57,2.57,2.57,2.57,2.57,null,"above 88% to 89%",0.88000999999999996,1.45,1.9,2.2200000000000002,2.2200000000000002,2.2200000000000002,2.44,2.44,2.44,2.44,2.44]
["above 89% to 90%",0.89000999999999997,1.72,2.19,2.78,2.78,2.78,3.06,3.06,3.06,3.06,3.06,null,"above 89% to 90%",0.89000999999999997,1.63,2.0699999999999998,2.64,2.64,2.64,2.9,2.9,2.9,2.9,2.9]
["above 90% to 91%",0.90000999999999998,2.2000000000000002,2.84,3.84,3.84,3.84,4.22,4.22,4.22,4.22,4.22,null,"above 90% to 91%",0.90000999999999998,2.09,2.69,3.64,3.64,3.64,4,4,4,4,4]
["above 91% to 92%",0.91000999999999999,2.2000000000000002,2.84,3.99,3.99,3.99,4.3899999999999997,4.3899999999999997,4.3899999999999997,4.3899999999999997,4.3899999999999997,null,"above 91% to 92%",0.91000999999999999,2.09,2.69,3.78,3.78,3.78,4.16,4.16,4.16,4.16,4.16]
["above 92% to 93%",0.92000999999999999,2.54,3.21,4.1399999999999997,4.1399999999999997,4.1399999999999997,4.5599999999999996,4.5599999999999996,4.5599999999999996,4.5599999999999996,4.5599999999999996,null,"above 92% to 93%",0.92000999999999999,2.4,3.04,3.92,3.92,3.92,4.32,4.32,4.32,4.32,4.32]
["above 93% to 94%",0.93001,2.54,3.21,4.53,4.53,4.53,4.99,4.99,4.99,4.99,4.99,null,"above 93% to 94%",0.93001,2.4,3.04,4.29,4.29,4.29,4.7300000000000004,4.7300000000000004,4.7300000000000004,4.7300000000000004,4.7300000000000004]
["above 94% to 95%",0.94001000000000001,2.82,3.54,4.76,4.76,4.76,5.23,5.23,5.23,5.23,5.23,null,"above 94% to 95%",0.94001000000000001,2.67,3.36,4.51,4.51,4.51,4.96,4.96,4.96,4.96,4.96]
["above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[null,null,"MINIMUM PREMIUM - FLAT FEE (WHERE APPLICABLE) OTHERWISE $1200",null,null,null,null,null,null,null,null,null,null,null,null,"MINIMUM PREMIUM - FLAT FEE (WHERE APPLICABLE) OTHERWISE $1200"]
[]
[]
["Business Select",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M",null,"Business Select\nFirst Home Buyer",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M"]
[null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001,null,null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001]
["Up to 60%",1.0000000000000001E-5,0.59,0.62,0.67,0.67,0.67,0.74,0.74,0.74,0.74,0.74,null,"Up to 60%",1.0000000000000001E-5,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 60% to 65%",0.60001000000000004,0.65,0.71,0.98,0.98,0.98,1.0900000000000001,1.0900000000000001,1.0900000000000001,1.0900000000000001,1.0900000000000001,null,"above 60% to 65%",0.60001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 65% to 70%",0.65000999999999998,0.65,0.71,0.98,0.98,0.98,1.0900000000000001,1.0900000000000001,1.0900000000000001,1.0900000000000001,1.0900000000000001,null,"above 65% to 70%",0.65000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 70% to 75%",0.70001000000000002,0.88,1.01,1.66,1.66,1.66,1.84,1.84,1.84,1.84,1.84,null,"above 70% to 75%",0.70001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 75% to 80%",0.75000999999999995,0.88,1.01,1.66,1.66,1.66,1.84,1.84,1.84,1.84,1.84,null,"above 75% to 80%",0.75000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 80% to 81%",0.80001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 80% to 81%",0.80001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 81% to 82%",0.81001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 81% to 82%",0.81001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 82% to 83%",0.82001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 82% to 83%",0.82001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 83% to 84%",0.83001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 83% to 84%",0.83001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 84% to 85%",0.84001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 84% to 85%",0.84001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 85% to 86%",0.85001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 85% to 86%",0.85001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 86% to 87%",0.86001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 86% to 87%",0.86001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 87% to 88%",0.87000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 87% to 88%",0.87000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 88% to 89%",0.88000999999999996,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 88% to 89%",0.88000999999999996,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 89% to 90%",0.89000999999999997,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 89% to 90%",0.89000999999999997,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 90% to 91%",0.90000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 90% to 91%",0.90000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 91% to 92%",0.91000999999999999,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 91% to 92%",0.91000999999999999,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 92% to 93%",0.92000999999999999,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 92% to 93%",0.92000999999999999,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 93% to 94%",0.93001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 93% to 94%",0.93001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 94% to 95%",0.94001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 94% to 95%",0.94001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[null,null,"MINIMUM PREMIUM - $1200",null,null,null,null,null,null,null,null,null,null,null,null,"MINIMUM PREMIUM - $1200"]
[]
[]
["Homebuyer Plus",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.15M","FROM $1.15M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M",null,"Homebuyer Plus\nFirst Home Buyer",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.15M","FROM $1.15M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M"]
[null,null,0,300001,500001,600001,750001,1150001,1500001,2000001,2500001,3000001,null,null,null,0,300001,500001,600001,750001,1150001,1500001,2000001,2500001,3000001]
["Up to 60%",1.0000000000000001E-5,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"Up to 60%",1.0000000000000001E-5,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 60% to 65%",0.60001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 60% to 65%",0.60001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 65% to 70%",0.65000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 65% to 70%",0.65000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 70% to 75%",0.70001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 70% to 75%",0.70001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 75% to 80%",0.75000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 75% to 80%",0.75000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 80% to 81%",0.80001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 80% to 81%",0.80001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 81% to 82%",0.81001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 81% to 82%",0.81001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 82% to 83%",0.82001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 82% to 83%",0.82001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 83% to 84%",0.83001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 83% to 84%",0.83001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 84% to 85%",0.84001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 84% to 85%",0.84001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 85% to 86%",0.85001000000000004,1.36,1.77,2.2999999999999998,2.2999999999999998,2.2999999999999998,"Refer","Refer","Refer","Refer","Refer",null,"above 85% to 86%",0.85001000000000004,1.29,1.67,2.1800000000000002,2.1800000000000002,2.1800000000000002,"Refer","Refer","Refer","Refer","Refer"]
["above 86% to 87%",0.86001000000000005,1.62,2.11,2.62,2.62,2.62,"Refer","Refer","Refer","Refer","Refer",null,"above 86% to 87%",0.86001000000000005,1.54,2,2.48,2.48,2.48,"Refer","Refer","Refer","Refer","Refer"]
["above 87% to 88%",0.87000999999999995,1.62,2.11,2.75,2.75,2.75,"Refer","Refer","Refer","Refer","Refer",null,"above 87% to 88%",0.87000999999999995,1.54,2,2.6,2.6,2.6,"Refer","Refer","Refer","Refer","Refer"]
["above 88% to 89%",0.88000999999999996,1.9,2.46,3.05,3.05,3.05,"Refer","Refer","Refer","Refer","Refer",null,"above 88% to 89%",0.88000999999999996,1.8,2.33,2.89,2.89,2.89,"Refer","Refer","Refer","Refer","Refer"]
["above 89% to 90%",0.89000999999999997,1.95,2.54,3.23,3.23,3.23,"Refer","Refer","Refer","Refer","Refer",null,"above 89% to 90%",0.89000999999999997,1.85,2.4,3.06,3.06,3.06,"Refer","Refer","Refer","Refer","Refer"]
["above 90% to 91%",0.90000999999999998,3.05,3.97,5.85,5.85,5.85,"Refer","Refer","Refer","Refer","Refer",null,"above 90% to 91%",0.90000999999999998,2.89,3.76,5.54,5.54,5.54,"Refer","Refer","Refer","Refer","Refer"]
["above 91% to 92%",0.91000999999999999,3.05,3.97,6.09,6.09,6.09,"Refer","Refer","Refer","Refer","Refer",null,"above 91% to 92%",0.91000999999999999,2.89,3.76,5.77,5.77,5.77,"Refer","Refer","Refer","Refer","Refer"]
["above 92% to 93%",0.92000999999999999,3.42,4.47,6.34,6.34,6.34,"Refer","Refer","Refer","Refer","Refer",null,"above 92% to 93%",0.92000999999999999,3.24,4.2300000000000004,6,6,6,"Refer","Refer","Refer","Refer","Refer"]
["above 93% to 94%",0.93001,3.42,4.47,6.55,6.55,6.55,"Refer","Refer","Refer","Refer","Refer",null,"above 93% to 94%",0.93001,3.24,4.2300000000000004,6.2,6.2,6.2,"Refer","Refer","Refer","Refer","Refer"]
["above 94% to 95%",0.94001000000000001,3.78,4.95,6.8,6.8,6.8,"Refer","Refer","Refer","Refer","Refer",null,"above 94% to 95%",0.94001000000000001,3.58,4.6900000000000004,6.44,6.44,6.44,"Refer","Refer","Refer","Refer","Refer"]
["above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[null,null,"MINIMUM PREMIUM - $1200",null,null,null,null,null,null,null,null,null,null,null,null,"MINIMUM PREMIUM - $1200"]
[]
[]
["Family Pledge",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M",null,"Family Pledge\nFirst Home Buyer",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M"]
[null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001,null,null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001]
["Up to 60%",1.0000000000000001E-5,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"Up to 60%",1.0000000000000001E-5,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 60% to 65%",0.60001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 60% to 65%",0.60001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 65% to 70%",0.65000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 65% to 70%",0.65000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 70% to 75%",0.70001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 70% to 75%",0.70001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 75% to 80%",0.75000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 75% to 80%",0.75000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 80% to 81%",0.80001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 80% to 81%",0.80001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 81% to 82%",0.81001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 81% to 82%",0.81001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 82% to 83%",0.82001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 82% to 83%",0.82001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 83% to 84%",0.83001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 83% to 84%",0.83001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 84% to 85%",0.84001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 84% to 85%",0.84001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 85% to 86%",0.85001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 85% to 86%",0.85001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 86% to 87%",0.86001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 86% to 87%",0.86001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 87% to 88%",0.87000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 87% to 88%",0.87000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 88% to 89%",0.88000999999999996,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 88% to 89%",0.88000999999999996,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 89% to 90%",0.89000999999999997,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 89% to 90%",0.89000999999999997,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 90% to 91%",0.90000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 90% to 91%",0.90000999999999998,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 91% to 92%",0.91000999999999999,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 91% to 92%",0.91000999999999999,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 92% to 93%",0.92000999999999999,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 92% to 93%",0.92000999999999999,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 93% to 94%",0.93001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 93% to 94%",0.93001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 94% to 95%",0.94001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 94% to 95%",0.94001000000000001,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[null,null,"MINIMUM PREMIUM - $1500",null,null,null,null,null,null,null,null,null,null,null,null,"MINIMUM PREMIUM - $1500"]
[]
[]
["AMB Staff ",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M",null,"AMB Staff FHB\n",null,"TO $300,000","FROM $300,001 TO $500,000","FROM $500,001 TO $600,000","FROM $600,001 TO $750,000","FROM $750,001 TO $1.0M","FROM $1.0M TO $1.5M","FROM $1.5M TO $2.0M","FROM $2.0M TO $2.5M","FROM $2.5M TO $3.0M","FROM $3.0M TO $3.5M"]
[null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001,null,null,null,0,300001,500001,600001,750001,1000001,1500001,2000001,2500001,3000001]
["Up to 60%",1.0000000000000001E-5,0.3,0.32,0.34,0.34,0.34,0.38,0.38,0.38,0.38,0.38,null,"Up to 60%",1.0000000000000001E-5,0.3,0.32,0.34,0.34,0.34,0.38,0.38,0.38,0.38,0.38]
["above 60% to 65%",0.60001000000000004,0.32,0.35,0.44,0.44,0.44,0.49,0.49,0.49,0.49,0.49,null,"above 60% to 65%",0.60001000000000004,0.32,0.35,0.44,0.44,0.44,0.49,0.49,0.49,0.49,0.49]
["above 65% to 70%",0.65000999999999998,0.34,0.37,0.5,0.5,0.5,0.55000000000000004,0.55000000000000004,0.55000000000000004,0.55000000000000004,0.55000000000000004,null,"above 65% to 70%",0.65000999999999998,0.34,0.37,0.5,0.5,0.5,0.55000000000000004,0.55000000000000004,0.55000000000000004,0.55000000000000004,0.55000000000000004]
["above 70% to 75%",0.70001000000000002,0.35,0.4,0.68,0.68,0.68,0.74,0.74,0.74,0.74,0.74,null,"above 70% to 75%",0.70001000000000002,0.35,0.4,0.68,0.68,0.68,0.74,0.74,0.74,0.74,0.74]
["above 75% to 80%",0.75000999999999995,0.38,0.44,0.73,0.73,0.73,0.81,0.81,0.81,0.81,0.81,null,"above 75% to 80%",0.75000999999999995,0.38,0.44,0.73,0.73,0.73,0.81,0.81,0.81,0.81,0.81]
["above 80% to 81%",0.80001,0.43,0.5,0.8,0.8,0.8,0.88,0.88,0.88,0.88,0.88,null,"above 80% to 81%",0.80001,0.43,0.5,0.8,0.8,0.8,0.88,0.88,0.88,0.88,0.88]
["above 81% to 82%",0.81001000000000001,0.44,0.5,0.8,0.8,0.8,0.88,0.88,0.88,0.88,0.88,null,"above 81% to 82%",0.81001000000000001,0.44,0.5,0.8,0.8,0.8,0.88,0.88,0.88,0.88,0.88]
["above 82% to 83%",0.82001000000000002,0.62,0.76,0.94,0.94,0.94,1.02,1.02,1.02,1.02,1.02,null,"above 82% to 83%",0.82001000000000002,0.62,0.76,0.94,0.94,0.94,1.02,1.02,1.02,1.02,1.02]
["above 83% to 84%",0.83001000000000003,0.62,0.76,0.99,0.99,0.99,1.1000000000000001,1.1000000000000001,1.1000000000000001,1.1000000000000001,1.1000000000000001,null,"above 83% to 84%",0.83001000000000003,0.62,0.76,0.99,0.99,0.99,1.1000000000000001,1.1000000000000001,1.1000000000000001,1.1000000000000001,1.1000000000000001]
["above 84% to 85%",0.84001000000000003,0.78,1,1.1399999999999999,1.1399999999999999,1.1399999999999999,1.26,1.26,1.26,1.26,1.26,null,"above 84% to 85%",0.84001000000000003,0.78,1,1.1399999999999999,1.1399999999999999,1.1399999999999999,1.26,1.26,1.26,1.26,1.26]
["above 85% to 86%",0.85001000000000004,0.8,1,1.26,1.26,1.26,1.38,1.38,1.38,1.38,1.38,null,"above 85% to 86%",0.85001000000000004,0.8,1,1.26,1.26,1.26,1.38,1.38,1.38,1.38,1.38]
["above 86% to 87%",0.86001000000000005,0.94,1.1399999999999999,1.39,1.39,1.39,1.53,1.53,1.53,1.53,1.53,null,"above 86% to 87%",0.86001000000000005,0.94,1.1399999999999999,1.39,1.39,1.39,1.53,1.53,1.53,1.53,1.53]
["above 87% to 88%",0.87000999999999995,0.94,1.1399999999999999,1.46,1.46,1.46,1.62,1.62,1.62,1.62,1.62,null,"above 87% to 88%",0.87000999999999995,0.94,1.1399999999999999,1.46,1.46,1.46,1.62,1.62,1.62,1.62,1.62]
["above 88% to 89%",0.88000999999999996,1.22,1.6,1.88,1.88,1.88,2.06,2.06,2.06,2.06,2.06,null,"above 88% to 89%",0.88000999999999996,1.22,1.6,1.88,1.88,1.88,2.06,2.06,2.06,2.06,2.06]
["above 89% to 90%",0.89000999999999997,1.38,1.75,2.2200000000000002,2.2200000000000002,2.2200000000000002,2.4500000000000002,2.4500000000000002,2.4500000000000002,2.4500000000000002,2.4500000000000002,null,"above 89% to 90%",0.89000999999999997,1.38,1.75,2.2200000000000002,2.2200000000000002,2.2200000000000002,2.4500000000000002,2.4500000000000002,2.4500000000000002,2.4500000000000002,2.4500000000000002]
["above 90% to 91%",0.90000999999999998,1.76,2.27,3.07,3.07,3.07,3.38,3.38,3.38,3.38,3.38,null,"above 90% to 91%",0.90000999999999998,1.76,2.27,3.07,3.07,3.07,3.38,3.38,3.38,3.38,3.38]
["above 91% to 92%",0.91000999999999999,1.76,2.27,3.19,3.19,3.19,3.51,3.51,3.51,3.51,3.51,null,"above 91% to 92%",0.91000999999999999,1.76,2.27,3.19,3.19,3.19,3.51,3.51,3.51,3.51,3.51]
["above 92% to 93%",0.92000999999999999,2.0299999999999998,2.57,3.31,3.31,3.31,3.65,3.65,3.65,3.65,3.65,null,"above 92% to 93%",0.92000999999999999,2.0299999999999998,2.57,3.31,3.31,3.31,3.65,3.65,3.65,3.65,3.65]
["above 93% to 94%",0.93001,2.0299999999999998,2.57,3.62,3.62,3.62,3.99,3.99,3.99,3.99,3.99,null,"above 93% to 94%",0.93001,2.0299999999999998,2.57,3.62,3.62,3.62,3.99,3.99,3.99,3.99,3.99]
["above 94% to 95%",0.94001000000000001,2.2599999999999998,2.83,3.81,3.81,3.81,4.18,4.18,4.18,4.18,4.18,null,"above 94% to 95%",0.94001000000000001,2.2599999999999998,2.83,3.81,3.81,3.81,4.18,4.18,4.18,4.18,4.18]
["above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 95% to 96%",0.95001000000000002,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 96% to 97%",0.96001000000000003,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 97% to 98%",0.97001000000000004,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 98% to 99%",0.98001000000000005,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
["above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer",null,"above 99% to 100%",0.99000999999999995,"Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer","Refer"]
[null,null,"MINIMUM PREMIUM - $1500",null,null,null,null,null,null,null,null,null,null,null,null,"MINIMUM PREMIUM - $1500"]

{"sheet":"DATA","index":3,"n_rows":117,"n_cols":15,"rows_kept":117,"cut":false,"hidden":true,"merged":[[116,0,116,2],[104,0,104,2],[112,0,112,2],[84,0,84,2],[73,0,73,2],[113,0,113,2],[91,0,91,2],[96,0,96,2],[100,0,100,2],[0,0,0,2],[0,4,0,11],[2,0,2,2],[2,4,2,11],[8,4,8,10],[36,4,36,11],[12,0,12,2],[20,0,20,2],[26,0,26,2],[29,4,29,11],[33,0,33,2],[83,4,83,11],[45,0,45,2],[45,4,45,11],[52,0,52,2],[55,4,55,11],[65,0,65,2]]}
["LOADERS/STAMP DUTY",null,null,null,"CALCULATIONS"]
[]
["PURPOSE",null,null,null,"LOAN AMOUNT"]
[]
[null,null,"Loader",null,"Loan Amount",null,{"$f":"Premium!K13","v":0}]
[null,null,null,null,"Existing Loan Balances",null,{"$f":"Premium!K15","v":0}]
[1,"Purchase or Construction",1,null,"Total Loan Amount",null,{"$f":"SUM(G5:G6)","v":0}]
[2,"Home Improvement/Renovation",1]
[3,"Internal Refinance",1,null,"STAMP DUTY"]
[4,"External Refinance/Debt Consolidation",1.05]
[5,"Equity Release (or Cash-out)",1.05,null,"#","STATE","TYPE","VALUE","STAMP DUTY %","APPORTIONED","STAMP DUTY %"]
[null,null,null,null,1,{"$f":"INDEX($B$36:$B$44,Premium!E30)","v":"Select State of Security"},{"$f":"INDEX($B$49:$B$51,Premium!G30)","v":"Occupancy Type"},{"$f":"Premium!I30","v":0},{"$f":"IF(ISNA(VLOOKUP(F12,$B$56:$C$64,2,FALSE)),\"\",VLOOKUP(F12,$B$56:$C$64,2,FALSE))","v":0},{"$f":"IFERROR($H$12:$H$27/$H$28,\"\")","v":""},{"$f":"IFERROR(ROUND($L$100*I12*J12,2),0)","v":0}]
["GEOGRAPHIC LOCATION",null,null,null,2,{"$f":"INDEX($B$36:$B$44,Premium!E32)","v":"Select State of Security"},{"$f":"INDEX($B$49:$B$51,Premium!G32)","v":"Occupancy Type"},{"$f":"Premium!I32","v":0},{"$f":"IF(ISNA(VLOOKUP(F13,$B$56:$C$64,2,FALSE)),\"\",VLOOKUP(F13,$B$56:$C$64,2,FALSE))","v":0},{"$f":"IFERROR($H$12:$H$27/$H$28,\"\")","v":""},{"$f":"IFERROR(ROUND($L$100*I13*J13,2),0)","v":0}]
[null,null,null,null,3,{"$f":"INDEX($B$36:$B$44,Premium!E34)","v":"Select State of Security"},{"$f":"INDEX($B$49:$B$51,Premium!G34)","v":"Occupancy Type"},{"$f":"Premium!I34","v":0},0,"",0]
[null,null,"Loader",null,4,{"$f":"INDEX($B$36:$B$44,Premium!E36)","v":"Select State of Security"},{"$f":"INDEX($B$49:$B$51,Premium!G36)","v":"Occupancy Type"},{"$f":"Premium!I36","v":0},0,"",0]
[1,"No",null,null,5,{"$f":"INDEX($B$36:$B$44,Premium!E38)","v":"Select State of Security"},{"$f":"INDEX($B$49:$B$51,Premium!G38)","v":"Occupancy Type"},{"$f":"Premium!I38","v":0},0,"",{"$f":"IFERROR(ROUND($L$100*I16*J16,2),0)","v":0}]
[2,"Geographic LMI Policy 1"]
[3,"Geographic LMI Policy 2"]
[4,"Geographic LMI Policy 1 & 2"]
[]
["SELF-EMPLOYED"]
[]
[null,null,"Loader"]
[1,"No",1]
[2,"Yes",1.1000000000000001]
[]
["LMI Product"]
[1,"Standard",null,null,null,null,null,{"$f":"SUM(H12:H27)","v":0},null,null,{"$f":"SUM(K12:K27)","v":0},null,null,null,{"$f":"SUM(O12:O27)","v":0}]
[2,"Business Select"]
[3,"HomeBuyer Plus",null,null,"SECURITIES"]
[4,"Family Pledge"]
[5,"Staff Discount",null,null,null,null,"VALUE","% of Total "]
[null,null,null,null,"Owner Occupied",null,{"$f":"SUMIFS($H$12:$H$27,$G$12:$G$27,$E33)","v":0},{"$f":"IFERROR(G33/$G$35,0)","v":0},null,null,"Predominant Security Type"]
["SECURITY STATE",null,null,null,"Investment",null,{"$f":"SUMIFS($H$12:$H$27,$G$12:$G$27,$E34)","v":0},{"$f":"IFERROR(G34/$G$35,0)","v":0},null,null,{"$f":"IF(H34>H33,E34,E33)","v":"Owner Occupied"}]
[null,null,"Loader",null,null,null,{"$f":"SUM(G33:G34)","v":0}]
[1,"Select State of Security",0]
[2,"New South Wales",0,null,"LOAN VALUE"]
[3,"Queensland",0.09]
[4,"Victoria",0.1]
[5,"South Australia",0.11]
[6,"Western Australia",0.1]
[7,"Tasmania",0.1]
[8,"Northern Territory",0.1]
[9,"Aust. Capital Territory",0]
[]
["OCCUPANCY TYPE",null,null,null,"LOAN PURPOSE"]
[]
[null,null,"Loader",null,null,null,"APPLY LOADER","VALUE","% of Total ",null,"Apply Loader"]
[1,"Occupancy Type",1,null,1,{"$f":"VLOOKUP(Premium!$K$9,DATA!$A$6:$B$11,2,FALSE)","v":"Purchase or Construction"},{"$f":"IF(OR(F49=$B$10,F49=$B$11),\"Y\",\"N\")","v":"N"},{"$f":"G5","v":0},{"$f":"IFERROR(H49/$H$54,0)","v":0},null,"N",{"$f":"SUMIFS($H$49:$H$53,$G$49:$G$53,$K49)","v":0}]
[2,"Owner Occupied",1,null,null,null,null,null,null,null,"Y",{"$f":"SUMIFS($H$49:$H$53,$G$49:$G$53,$K50)","v":0}]
[3,"Investment",1.1499999999999999]
[]
["STAMP DUTY",null,null,null,null,null,null,null,null,null,"Predominant  Loan Purpose"]
[null,null,null,null,null,null,null,{"$f":"SUM(H49:H53)","v":0},null,null,{"$f":"IF(L50>L49,\"Refinance\",\"Purchase\")","v":"Purchase"}]
[null,null,"Stamp Duty"]
[1,"Select State of Security",0,null,"POLICY SUMMARY"]
[2,"New South Wales",0]
[3,"Queensland",0.09,null,"Total Loan Amount",null,{"$f":"G7","v":0}]
[4,"Victoria",0.1,null,"Total Security Value",null,{"$f":"H28","v":0}]
[5,"South Australia",0.11,null,"Base LVR",null,{"$f":"IFERROR(ROUND(G58/G59,4),0)","v":0}]
[6,"Western Australia",0.1,null,"Loan Type",null,{"$f":"VLOOKUP(Premium!$K$11,DATA!$A$102:$B$103,2,0)","v":"New Loan"}]
[7,"Tasmania",0.1,null,"Loan Purpose",null,{"$f":"VLOOKUP(Premium!$K$9,$A$7:$B$11,2,0)","v":"Purchase or Construction"}]
[8,"Northern Territory",0.1,null,"Product",null,{"$f":"VLOOKUP(Premium!$G$13,$A$28:$B$32,2,0)","v":"Standard"}]
[9,"Aust. Capital Territory",0,null,"Predominant Security Type",null,{"$f":"K34","v":"Owner Occupied"}]
[null,null,null,null,"Self-Employed?",null,{"$f":"IF(Premium!G15=DATA!A25,\"Yes\",\"No\")","v":"No"}]
["SECURITY TYPE",null,null,null,"First Home Buyer?",null,{"$f":"VLOOKUP(Premium!$G$17,DATA!$A$98:$B$99,2,0)","v":"No"}]
[null,null,null,null,"Loan Term",null,{"$f":"VLOOKUP(Premium!$K$17,DATA!$A$93:$B$95,2,0)","v":"Up to 30 years"}]
["Predominant Security Type % - Investment Loader",null,0.5,null,"Does Flat Fee Apply?",null,"No"]
[]
[null,null,null,null,"PREMIUM RATE / LOADERS"]
[]
[null,null,null,null,"Rate Card Reference",null,{"$f":"IF(AND(G63=\"Standard\",G66=\"No\"),\"Standard\",IF(AND(G63=\"Standard\",G66=\"Yes\"),\"Standard_FHB\",IF(AND(G63=\"Business Select\",G66=\"No\"),\"Business_Select\",IF(AND(G63=\"Business Select\",G66=\"Yes\"),\"Business_Select_FHB\",IF(AND(G63=\"HomeBuyer Plus\",G66=\"No\"),\"HomeBuyer_Plus\",IF(AND(G63=\"HomeBuyer Plus\",G66=\"Yes\"),\"Homebuyer_Plus_FHB\",IF(AND(G63=\"Staff Discount\",G66=\"No\"),\"STAFF_DISCOUNT\",IF(AND(G63=\"Staff Discount\",G66=\"Yes\"),\"STAFF_DISCOUNT_FHB\",\"\"))))))))","v":"Standard"}]
[]
["RITC",null,null,null,"Premium",null,"Flat Fee","Calculated Fee",null,"Standard Formula"]
[null,null,null,null,"Premium Rate",null,{"$f":"IF(G68=\"Yes\",IF(OR(G58=\"Refer\",G60=\"Refer\",G68=\"Refer\"),\"Refer\",INDEX(INDIRECT(G72),MATCH($G$60,LVR,1),MATCH($G$58,LoanSize,1))),\"\")","v":""},{"$f":"IF(OR($G$72=\"HomeBuyer_Plus\",$G$72=\"Homebuyer_Plus_FHB\"),IF($G$68=\"No\",IF(OR($G$58=\"Refer\",$G$60=\"Refer\",$G$68=\"Refer\"),\"Refer\",INDEX(INDIRECT($G$72),MATCH($G$60,LVR,1),MATCH($G$58,LoanSize_HBP,1))),\"\"),IF($G$68=\"No\",IF(OR($G$58=\"Refer\",$G$60=\"Refer\",$G$68=\"Refer\"),\"Refer\",INDEX(INDIRECT($G$72),MATCH($G$60,LVR,1),MATCH($G$58,LoanSize,1))),\"\"))","v":{"$error":"#N/A"}},"Tailored Loan Size Limits for HBP products",{"$f":"IF($G$68=\"No\",IF(OR($G$58=\"Refer\",$G$60=\"Refer\",$G$68=\"Refer\"),\"Refer\",INDEX(INDIRECT($G$72),MATCH($G$60,LVR,1),MATCH($G$58,LoanSize,1))),\"\")","v":{"$error":"#N/A"}}]
["Expiry Date ",null,{"$f":"Premium!K54+1","v":"2021-07-01"},null,"Loan term Loader",null,{"$f":"IF(G68=\"Yes\",VLOOKUP(G67,$B$93:$C$95,2,0),\"\")","v":""},{"$f":"IF(G68=\"No\",VLOOKUP(G67,$B$93:$C$95,2,0),\"\")","v":1}]
["RITC - (1=Yes, 2=No)",null,1,null,"Loan Purpose Loader",null,{"$f":"IF($G$68=\"Yes\",IF(Premium!K11=2,1,VLOOKUP($G$62,$B$7:$C$11,2,0)),\"\")","v":""},{"$f":"IF($G$68=\"No\",IF(Premium!K11=2,1,VLOOKUP($G$62,$B$7:$C$11,2,0)),\"\")","v":1}]
["Capitalised premium:",null,{"$f":"IF($C$77=1,Premium!$K$50,Premium!$G$50)","v":0},null,"Self Employed Loader",null,{"$f":"IF($G$68=\"Yes\",VLOOKUP($G$65,$B$24:$C$25,2,0),\"\")","v":""},{"$f":"IF($G$68=\"No\",IF(Premium!$G$13=2,1,VLOOKUP($G$65,$B$24:$C$25,2,0)),\"\")","v":1}]
[null,null,null,null,"Investment Property Loader",null,{"$f":"IF($G$68=\"Yes\",VLOOKUP($G$64,$B$50:$C$51,2,0),\"\")","v":""},{"$f":"IF($G$68=\"No\",VLOOKUP($G$64,$B$50:$C$51,2,0),\"\")","v":1}]
[null,null,null,null,"Total Premium Rate",null,{"$f":"PRODUCT(G76:G79)","v":0},{"$f":"ROUND(PRODUCT(H75:H79),2)","v":{"$error":"#N/A"}}]
["If premium capitalised: Total loan amount:",null,{"$f":"IF(SUM($H$12:$H$16)>0,IF($G$5>0,SUM($G$5,$G$6,$C$78),0),0)","v":0}]
["Total (capitalised) LVR:",null,{"$f":"IF(SUM($H$12:$H$16)>0,IF($G$63<>\"Family Pledge\",$C$81/(SUM($H$12:$H$16)),$C$81/(SUM($H$12:$H$16))),0)","v":0},null,"Calculated Premium",null,{"$f":"IFERROR(G75*G80,\"\")","v":""},{"$f":"IF($H$75=\"Refer\",\"Refer\",$G$58*$H$80/100)","v":{"$error":"#N/A"}}]
[]
[null,null,null,null,"CALCULATED PREMIUM"]
["FLAT FEE"]
[null,null,null,null,null,"Miniumum Premiums"]
["Min. Premium where total exposure > $500,000",null,1200,null,null,"Type","Product",null,"Other Factors",null,"Applicable?","Minumum Premium"]
["Min. Premium where total exposure > $500,000 & top-up",null,1500,null,null,"New Loan",{"$f":"B107","v":"Standard"},null,"NA",null,{"$f":"IF(AND($G$63=G88),\"Yes\",\"No\")","v":"Yes"},{"$f":"VLOOKUP(G88,$B$107:$F$110,5,0)","v":1200}]
[null,null,null,null,null,"New Loan",{"$f":"B108","v":"Business Select"},null,"NA",null,{"$f":"IF(AND($G$63=G89),\"Yes\",\"No\")","v":"No"},{"$f":"VLOOKUP(G89,$B$107:$F$110,5,0)","v":1200}]
[null,null,null,null,null,"New Loan","Staff Discount",null,"NA",null,"No",1200]
[null,null,null,null,null,"New Loan","HomeBuyer Plus",null,"NA",null,"No",{"$f":"VLOOKUP(G91,$B$107:$F$110,5,0)","v":1200}]
["TERM",null,"Loader",null,null,"Top-Up (on existing insured loan)","All",null,"Loan Amount 500000 or greater",null,{"$f":"IF(AND($G$61=$F$92,$G$58>500000),\"Yes\",\"No\")","v":"No"},{"$f":"D113","v":1500}]
[1,"Up to 30 years",1]
[2,"Greater than 30 years up to 35 years",1.03,null,null,null,null,null,null,null,"Minimum Premium Apppliable",{"$f":"MAX(IF($K$88:$K$92=\"Yes\",$L$88:$L$92))","v":1200}]
[3,"Greater than 35 years up to 40 years",1.06]
[null,null,null,null,null,null,null,null,null,null,"Current Calculated Premium",{"$f":"IF(NOW()-$C$76>0,\"Calculator expired\",IF(OR(H82=\"Refer\",G82=\"Refer\"),\"Refer\",MAX(G82,H82)))","v":{"$error":"#N/A"}}]
["FHB",null,null,null,null,null,null,null,null,null,"Less Premium Already Paid",{"$f":"IF(Premium!$K$11=2,IF(Premium!$K$13>0,Premium!$K$19,0),0)","v":0}]
[1,"Yes",null,null,null,null,null,null,null,null,"Net Premium",{"$f":"IF(L96=\"Refer\",\"Refer\",L96-L97)","v":{"$error":"#N/A"}}]
[2,"No"]
[null,null,null,null,null,null,null,null,null,null,"Applicable Premium Given Minumum Premium",{"$f":"IF(L98=\"Refer\",\"Refer\",MAX(L94,L98))","v":{"$error":"#N/A"}}]
["New Loan or Top up"]
[1,"New Loan"]
[2,"Top-Up (on existing insured loan)"]
[]
["Product"]
[null,null,null,"Max LVR %","Max $","Min Prem Amount"]
[1,"Standard",null,95,3500000,1200]
[2,"Business Select",null,80,2500000,1200]
[3,"Staff Discount",null,95,3500000,1200]
[4,"HomeBuyer Plus",null,95,750000,1200]
[]
[]
["Global Min. Premium - top-ups where total exposure > $500,000",null,null,1500]
["Predominant security type % for application of Inv. Loader",null,null,0.5]
[]
[]
["Policy max. for Investment loans after cap:",null,null,0.95]