William C. and Elaine Gaskins - Page 23

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            owed on loans made against these policies. These loans had                                     
            commenced in 1976, with additional amounts borrowed in 1978,                                   
            1979, and 1981.                                                                                
                  Lifestyle                                                                                
                  From 1971 until 1987, Mrs. Gaskins drove a 1971 Plymouth                                 
            Fury (the Fury). In 1981 and 1982, the Gaskins also owned a 1979                               
            Dodge truck, which they financed through Chrysler Credit                                       
            Corporation. In 1987, the Fury's transmission failed, and the                                  
            Gaskins bought a 1984 Chevrolet Celebrity for Mrs. Gaskins. At                                 
            that time, the Gaskins also owned a 1977 Cadillac and a                                        
            1973Ford. Mrs. Gaskins had the 1984 Chevrolet for only 4 days                                  
            when an accident destroyed the car. Mrs. Gaskins' father then                                  
            gave her a 1979 Ford Fairlane, which she was still driving at                                  
            the time of the trial. In 1994, the Gaskins owned a 1982 Ford, a                               
            1979 Ford, and a 1980 Oldsmobile.                                                              
                  From 1968 until the early 1980's, Mrs. Gaskins had store                                 
            charge cards at the Sears and Pomeroy's department stores. She                                 
            stopped using the Pomeroy's card; the Sears account was referred                               
            to a collection agency, and the card was recalled. Mrs. Gaskins                                
            made payments on the delinquent Sears account, restoring her                                   
            credit rating so that during the summer of 1993, she was able to                               
            open store charge accounts again. She has never had credit cards                               
            such as Visa or American Express.                                                              
                  Mrs. Gaskins has never owned any expensive jewelry. The                                  
            Gaskins have never gone on a family vacation, nor has Mrs.                                     
            Gaskins herself gone on a vacation. The only time the Gaskins                                  



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