Ratio	Effective Date	
011.05%	8/1/2018
010.65%	1/1/2018
011.47%	7/1/2017
012.07%	1/1/2017
013.23%	7/1/2016
013.51%	1/1/2016
012.78%	7/1/2015
013.93%	1/1/2015
013.54%	1/1/2014