CONVERT RAW POINTS INTO THE OTS AND IDENTIFY LIKELY VA AT 6 MONTHS (%)

Sum of raw points

OTS GROUP

NLP

LP/HM

1/200 - 19/200

20/200 - 20/50

20/40 or better

0 - 44

1

74

15

7

3

1

45 - 65

2

27

26

18

15

15

66 - 80

3

2

11

15

31

41

81 - 91

4

1

2

3

22

73

92 - 100

5

0

1

1

5

94