Appendices Index

Appendix 1/1First National ‘Home Mortgages’ Explanatory Pamphlet
Appendix 1/2Case 1 and Case 2 Mortgage Quotations
Appendix 1/3The Endowment Mortgage chosen by my wife and I
Appendix 1/4Proposal Form for the Endowment Mortgage, as completed by my wife and I on the 9/5/1991
Appendix 1/5Details of Loan, advanced to my wife and I by First National on the 1/8/1991
Appendix 1/6First National Home-Way Mortgage Plan — Policy Documentation, comprising:
Document 6ACover letter from Irish Life, dated 31st July 1991, accompanying the policy documentation
Document 6BThe Schedule
Document 6CThe First National Home-Way Mortgage Plan - THE CONTRACT - The Provisions, Privileges and Conditions.
Appendix 1/7Letter from Irish Life, dated 1st June 1993, regarding the status of our investment in our Endowment Policy
Appendix 2/1LAUTRO and FIMBRA Conduct of Business Rules
Appendix 2/2The Ombudsman for the Credit Institutions — Explanatory Pamphlet
Appendix 2/3The Insurance Ombudsman of Ireland — Explanatory Pamphlet
Appendix 2/4Extracts from the Irish Parliament 1998 Debates on the Office of the Insurance Ombudsman of Ireland
Appendix 2/5— NOT ACTIVATED YET
Appendix 2/6— NOT ACTIVATED YET
Appendix 4/1The ‘resolutions’ and ‘rules’ referred to in the First National Home-Way Mortgage Plan
Appendix 4/2Month by Month Breakdown of the Investment/Fund Value process for our Endowment Mortgage Policy
Appendix 5/1Derivation of Single Payment Formulae
Appendix 5/2Derivation of Uniform Series Payment Formulae
Appendix 8/1Case 1 Analysis Tables
Appendix 9/1Case 2 Analysis Tables
Appendix 10/1Analysis Table 7
Appendix 10/2Month by Month Breakdown of Premium Payments versus Fund Value for the Case 1 Endowment Mortgage Policy