With npp == 360
     ir == 8.25
     pv == 345725.00
------------>Compute pmt: -2597.32
<================================>
Current Financial Calculator Status:
Compounding Frequency: (CF) 12
Payment     Frequency: (PF) 12
Compounding: Discrete (disc = TRUE)
Payments: End of Period (bep = FALSE)
Number of Payment Periods (n): 360		(Years: 30)
Nominal Annual Interest Rate (i): 8.25
Present Value (pv): 345725.00
Periodic Payment (pmt): -2597.32
Future Value (fv): 0.00

------------>Compute ir
<================================>
Current Financial Calculator Status:
Compounding Frequency: (CF) 12
Payment     Frequency: (PF) 12
Compounding: Discrete (disc = TRUE)
Payments: End of Period (bep = FALSE)
Number of Payment Periods (n): 360		(Years: 30)
Nominal Annual Interest Rate (i): 8.25
Present Value (pv): 345725.00
Periodic Payment (pmt): -2597.32
Future Value (fv): 0.00

------------>Compute npp
<================================>
Current Financial Calculator Status:
Compounding Frequency: (CF) 12
Payment     Frequency: (PF) 12
Compounding: Discrete (disc = TRUE)
Payments: End of Period (bep = FALSE)
Number of Payment Periods (n): 360		(Years: 30)
Nominal Annual Interest Rate (i): 8.25
Present Value (pv): 345725.00
Periodic Payment (pmt): -2597.32
Future Value (fv): 0.00

------------>Compute fv
<================================>
Current Financial Calculator Status:
Compounding Frequency: (CF) 12
Payment     Frequency: (PF) 12
Compounding: Discrete (disc = TRUE)
Payments: End of Period (bep = FALSE)
Number of Payment Periods (n): 360		(Years: 30)
Nominal Annual Interest Rate (i): 8.25
Present Value (pv): 345725.00
Periodic Payment (pmt): -2597.32
Future Value (fv): -0.00


 Reset financial variables and compute amortization schedules.
First Schedule - ignore delay in first payment and
output annual summary
Amortization Table
Effective       Date: Tue Jun 15 00:00:00 1999
Initial Payment Date: Sun Aug  1 00:00:00 1999
Compounding Frequency per year: 12
Payment     Frequency per year: 12
Compounding: Discrete
Payments: End of Period
Payments (359): -2597.32
Final payment (360): -2591.78
Nominal Annual Interest Rate: 8.25
  Effective Interest Rate Per Payment Period: 0.006875
Present Value: 345725.00
Annual Summary - Normal Amortization
Year      Interest   Ending Balance
1999     -11869.04      344607.44
2000     -28324.18      341763.78
2001     -28080.50      338676.44
2002     -27815.94      335324.54
2003     -27528.71      331685.41
2004     -27216.87      327734.44
2005     -26878.30      323444.90
2006     -26510.72      318787.78
2007     -26111.64      313731.58
2008     -25678.37      308242.11
2009     -25207.96      302282.23
2010     -24697.25      295811.64
2011     -24142.77      288786.57
2012     -23540.77      281159.50
2013     -22887.19      272878.85
2014     -22177.61      263888.62
2015     -21407.22      254128.00
2016     -20570.81      243530.97
2017     -19662.73      232025.86
2018     -18676.83      219534.85
2019     -17606.45      205973.46
2020     -16444.34      191249.96
2021     -15182.65      175264.77
2022     -13812.85      157909.78
2023     -12325.66      139067.60
2024     -10711.04      118610.80
2025      -8958.05       96401.01
2026      -7054.84       72288.01
2027      -4988.55       46108.72
2028      -2745.19       17686.07
2029       -489.63           0.00

Total Interest: -589304.66


Second Schedule - ignore delay in first payment and
output schedule for each payment
Amortization Table
Effective       Date: Tue Jun 15 00:00:00 1999
Initial Payment Date: Sun Aug  1 00:00:00 1999
Compounding Frequency per year: 12
Payment     Frequency per year: 12
Compounding: Discrete
Payments: End of Period
Payments (359): -2597.32
Final payment (360): -2591.78
Nominal Annual Interest Rate: 8.25
  Effective Interest Rate Per Payment Period: 0.006875
Present Value: 345725.00
Normal Amortization Schedule
Pmt *       Interest      Principal        Balance
   1        -2376.86        -220.46      345504.54
   2        -2375.34        -221.98      345282.56
   3        -2373.82        -223.50      345059.06
   4        -2372.28        -225.04      344834.02
   5        -2370.73        -226.59      344607.43
Summary for: 1999:
  Interest  Paid: -11869.03
  Principal Paid: -1117.57
  Year Ending Balance: 344607.43
  Sum of Interest Paid: -11869.03
Pmt *       Interest      Principal        Balance
   6        -2369.18        -228.14      344379.29
   7        -2367.61        -229.71      344149.58
   8        -2366.03        -231.29      343918.29
   9        -2364.44        -232.88      343685.41
  10        -2362.84        -234.48      343450.93
  11        -2361.23        -236.09      343214.84
  12        -2359.60        -237.72      342977.12
  13        -2357.97        -239.35      342737.77
  14        -2356.32        -241.00      342496.77
  15        -2354.67        -242.65      342254.12
  16        -2353.00        -244.32      342009.80
  17        -2351.32        -246.00      341763.80
Summary for: 2000:
  Interest  Paid: -28324.21
  Principal Paid: -2843.63
  Year Ending Balance: 341763.80
  Sum of Interest Paid: -40193.24
Pmt *       Interest      Principal        Balance
  18        -2349.63        -247.69      341516.11
  19        -2347.92        -249.40      341266.71
  20        -2346.21        -251.11      341015.60
  21        -2344.48        -252.84      340762.76
  22        -2342.74        -254.58      340508.18
  23        -2340.99        -256.33      340251.85
  24        -2339.23        -258.09      339993.76
  25        -2337.46        -259.86      339733.90
  26        -2335.67        -261.65      339472.25
  27        -2333.87        -263.45      339208.80
  28        -2332.06        -265.26      338943.54
  29        -2330.24        -267.08      338676.46
Summary for: 2001:
  Interest  Paid: -28080.50
  Principal Paid: -3087.34
  Year Ending Balance: 338676.46
  Sum of Interest Paid: -68273.74
Pmt *       Interest      Principal        Balance
  30        -2328.40        -268.92      338407.54
  31        -2326.55        -270.77      338136.77
  32        -2324.69        -272.63      337864.14
  33        -2322.82        -274.50      337589.64
  34        -2320.93        -276.39      337313.25
  35        -2319.03        -278.29      337034.96
  36        -2317.12        -280.20      336754.76
  37        -2315.19        -282.13      336472.63
  38        -2313.25        -284.07      336188.56
  39        -2311.30        -286.02      335902.54
  40        -2309.33        -287.99      335614.55
  41        -2307.35        -289.97      335324.58
Summary for: 2002:
  Interest  Paid: -27815.96
  Principal Paid: -3351.88
  Year Ending Balance: 335324.58
  Sum of Interest Paid: -96089.70
Pmt *       Interest      Principal        Balance
  42        -2305.36        -291.96      335032.62
  43        -2303.35        -293.97      334738.65
  44        -2301.33        -295.99      334442.66
  45        -2299.29        -298.03      334144.63
  46        -2297.24        -300.08      333844.55
  47        -2295.18        -302.14      333542.41
  48        -2293.10        -304.22      333238.19
  49        -2291.01        -306.31      332931.88
  50        -2288.91        -308.41      332623.47
  51        -2286.79        -310.53      332312.94
  52        -2284.65        -312.67      332000.27
  53        -2282.50        -314.82      331685.45
Summary for: 2003:
  Interest  Paid: -27528.71
  Principal Paid: -3639.13
  Year Ending Balance: 331685.45
  Sum of Interest Paid: -123618.41
Pmt *       Interest      Principal        Balance
  54        -2280.34        -316.98      331368.47
  55        -2278.16        -319.16      331049.31
  56        -2275.96        -321.36      330727.95
  57        -2273.75        -323.57      330404.38
  58        -2271.53        -325.79      330078.59
  59        -2269.29        -328.03      329750.56
  60        -2267.04        -330.28      329420.28
  61        -2264.76        -332.56      329087.72
  62        -2262.48        -334.84      328752.88
  63        -2260.18        -337.14      328415.74
  64        -2257.86        -339.46      328076.28
  65        -2255.52        -341.80      327734.48
Summary for: 2004:
  Interest  Paid: -27216.87
  Principal Paid: -3950.97
  Year Ending Balance: 327734.48
  Sum of Interest Paid: -150835.28
Pmt *       Interest      Principal        Balance
  66        -2253.17        -344.15      327390.33
  67        -2250.81        -346.51      327043.82
  68        -2248.43        -348.89      326694.93
  69        -2246.03        -351.29      326343.64
  70        -2243.61        -353.71      325989.93
  71        -2241.18        -356.14      325633.79
  72        -2238.73        -358.59      325275.20
  73        -2236.27        -361.05      324914.15
  74        -2233.78        -363.54      324550.61
  75        -2231.29        -366.03      324184.58
  76        -2228.77        -368.55      323816.03
  77        -2226.24        -371.08      323444.95
Summary for: 2005:
  Interest  Paid: -26878.31
  Principal Paid: -4289.53
  Year Ending Balance: 323444.95
  Sum of Interest Paid: -177713.59
Pmt *       Interest      Principal        Balance
  78        -2223.68        -373.64      323071.31
  79        -2221.12        -376.20      322695.11
  80        -2218.53        -378.79      322316.32
  81        -2215.92        -381.40      321934.92
  82        -2213.30        -384.02      321550.90
  83        -2210.66        -386.66      321164.24
  84        -2208.00        -389.32      320774.92
  85        -2205.33        -391.99      320382.93
  86        -2202.63        -394.69      319988.24
  87        -2199.92        -397.40      319590.84
  88        -2197.19        -400.13      319190.71
  89        -2194.44        -402.88      318787.83
Summary for: 2006:
  Interest  Paid: -26510.72
  Principal Paid: -4657.12
  Year Ending Balance: 318787.83
  Sum of Interest Paid: -204224.31
Pmt *       Interest      Principal        Balance
  90        -2191.67        -405.65      318382.18
  91        -2188.88        -408.44      317973.74
  92        -2186.07        -411.25      317562.49
  93        -2183.24        -414.08      317148.41
  94        -2180.40        -416.92      316731.49
  95        -2177.53        -419.79      316311.70
  96        -2174.64        -422.68      315889.02
  97        -2171.74        -425.58      315463.44
  98        -2168.81        -428.51      315034.93
  99        -2165.87        -431.45      314603.48
 100        -2162.90        -434.42      314169.06
 101        -2159.91        -437.41      313731.65
Summary for: 2007:
  Interest  Paid: -26111.66
  Principal Paid: -5056.18
  Year Ending Balance: 313731.65
  Sum of Interest Paid: -230335.97
Pmt *       Interest      Principal        Balance
 102        -2156.91        -440.41      313291.24
 103        -2153.88        -443.44      312847.80
 104        -2150.83        -446.49      312401.31
 105        -2147.76        -449.56      311951.75
 106        -2144.67        -452.65      311499.10
 107        -2141.56        -455.76      311043.34
 108        -2138.42        -458.90      310584.44
 109        -2135.27        -462.05      310122.39
 110        -2132.09        -465.23      309657.16
 111        -2128.89        -468.43      309188.73
 112        -2125.67        -471.65      308717.08
 113        -2122.43        -474.89      308242.19
Summary for: 2008:
  Interest  Paid: -25678.38
  Principal Paid: -5489.46
  Year Ending Balance: 308242.19
  Sum of Interest Paid: -256014.35
Pmt *       Interest      Principal        Balance
 114        -2119.17        -478.15      307764.04
 115        -2115.88        -481.44      307282.60
 116        -2112.57        -484.75      306797.85
 117        -2109.24        -488.08      306309.77
 118        -2105.88        -491.44      305818.33
 119        -2102.50        -494.82      305323.51
 120        -2099.10        -498.22      304825.29
 121        -2095.67        -501.65      304323.64
 122        -2092.23        -505.09      303818.55
 123        -2088.75        -508.57      303309.98
 124        -2085.26        -512.06      302797.92
 125        -2081.74        -515.58      302282.34
Summary for: 2009:
  Interest  Paid: -25207.99
  Principal Paid: -5959.85
  Year Ending Balance: 302282.34
  Sum of Interest Paid: -281222.34
Pmt *       Interest      Principal        Balance
 126        -2078.19        -519.13      301763.21
 127        -2074.62        -522.70      301240.51
 128        -2071.03        -526.29      300714.22
 129        -2067.41        -529.91      300184.31
 130        -2063.77        -533.55      299650.76
 131        -2060.10        -537.22      299113.54
 132        -2056.41        -540.91      298572.63
 133        -2052.69        -544.63      298028.00
 134        -2048.94        -548.38      297479.62
 135        -2045.17        -552.15      296927.47
 136        -2041.38        -555.94      296371.53
 137        -2037.55        -559.77      295811.76
Summary for: 2010:
  Interest  Paid: -24697.26
  Principal Paid: -6470.58
  Year Ending Balance: 295811.76
  Sum of Interest Paid: -305919.60
Pmt *       Interest      Principal        Balance
 138        -2033.71        -563.61      295248.15
 139        -2029.83        -567.49      294680.66
 140        -2025.93        -571.39      294109.27
 141        -2022.00        -575.32      293533.95
 142        -2018.05        -579.27      292954.68
 143        -2014.06        -583.26      292371.42
 144        -2010.05        -587.27      291784.15
 145        -2006.02        -591.30      291192.85
 146        -2001.95        -595.37      290597.48
 147        -1997.86        -599.46      289998.02
 148        -1993.74        -603.58      289394.44
 149        -1989.59        -607.73      288786.71
Summary for: 2011:
  Interest  Paid: -24142.79
  Principal Paid: -7025.05
  Year Ending Balance: 288786.71
  Sum of Interest Paid: -330062.39
Pmt *       Interest      Principal        Balance
 150        -1985.41        -611.91      288174.80
 151        -1981.20        -616.12      287558.68
 152        -1976.97        -620.35      286938.33
 153        -1972.70        -624.62      286313.71
 154        -1968.41        -628.91      285684.80
 155        -1964.08        -633.24      285051.56
 156        -1959.73        -637.59      284413.97
 157        -1955.35        -641.97      283772.00
 158        -1950.93        -646.39      283125.61
 159        -1946.49        -650.83      282474.78
 160        -1942.01        -655.31      281819.47
 161        -1937.51        -659.81      281159.66
Summary for: 2012:
  Interest  Paid: -23540.79
  Principal Paid: -7627.05
  Year Ending Balance: 281159.66
  Sum of Interest Paid: -353603.18
Pmt *       Interest      Principal        Balance
 162        -1932.97        -664.35      280495.31
 163        -1928.41        -668.91      279826.40
 164        -1923.81        -673.51      279152.89
 165        -1919.18        -678.14      278474.75
 166        -1914.51        -682.81      277791.94
 167        -1909.82        -687.50      277104.44
 168        -1905.09        -692.23      276412.21
 169        -1900.33        -696.99      275715.22
 170        -1895.54        -701.78      275013.44
 171        -1890.72        -706.60      274306.84
 172        -1885.86        -711.46      273595.38
 173        -1880.97        -716.35      272879.03
Summary for: 2013:
  Interest  Paid: -22887.21
  Principal Paid: -8280.63
  Year Ending Balance: 272879.03
  Sum of Interest Paid: -376490.39
Pmt *       Interest      Principal        Balance
 174        -1876.04        -721.28      272157.75
 175        -1871.08        -726.24      271431.51
 176        -1866.09        -731.23      270700.28
 177        -1861.06        -736.26      269964.02
 178        -1856.00        -741.32      269222.70
 179        -1850.91        -746.41      268476.29
 180        -1845.77        -751.55      267724.74
 181        -1840.61        -756.71      266968.03
 182        -1835.41        -761.91      266206.12
 183        -1830.17        -767.15      265438.97
 184        -1824.89        -772.43      264666.54
 185        -1819.58        -777.74      263888.80
Summary for: 2014:
  Interest  Paid: -22177.61
  Principal Paid: -8990.23
  Year Ending Balance: 263888.80
  Sum of Interest Paid: -398668.00
Pmt *       Interest      Principal        Balance
 186        -1814.24        -783.08      263105.72
 187        -1808.85        -788.47      262317.25
 188        -1803.43        -793.89      261523.36
 189        -1797.97        -799.35      260724.01
 190        -1792.48        -804.84      259919.17
 191        -1786.94        -810.38      259108.79
 192        -1781.37        -815.95      258292.84
 193        -1775.76        -821.56      257471.28
 194        -1770.12        -827.20      256644.08
 195        -1764.43        -832.89      255811.19
 196        -1758.70        -838.62      254972.57
 197        -1752.94        -844.38      254128.19
Summary for: 2015:
  Interest  Paid: -21407.23
  Principal Paid: -9760.61
  Year Ending Balance: 254128.19
  Sum of Interest Paid: -420075.23
Pmt *       Interest      Principal        Balance
 198        -1747.13        -850.19      253278.00
 199        -1741.29        -856.03      252421.97
 200        -1735.40        -861.92      251560.05
 201        -1729.48        -867.84      250692.21
 202        -1723.51        -873.81      249818.40
 203        -1717.50        -879.82      248938.58
 204        -1711.45        -885.87      248052.71
 205        -1705.36        -891.96      247160.75
 206        -1699.23        -898.09      246262.66
 207        -1693.06        -904.26      245358.40
 208        -1686.84        -910.48      244447.92
 209        -1680.58        -916.74      243531.18
Summary for: 2016:
  Interest  Paid: -20570.83
  Principal Paid: -10597.01
  Year Ending Balance: 243531.18
  Sum of Interest Paid: -440646.06
Pmt *       Interest      Principal        Balance
 210        -1674.28        -923.04      242608.14
 211        -1667.93        -929.39      241678.75
 212        -1661.54        -935.78      240742.97
 213        -1655.11        -942.21      239800.76
 214        -1648.63        -948.69      238852.07
 215        -1642.11        -955.21      237896.86
 216        -1635.54        -961.78      236935.08
 217        -1628.93        -968.39      235966.69
 218        -1622.27        -975.05      234991.64
 219        -1615.57        -981.75      234009.89
 220        -1608.82        -988.50      233021.39
 221        -1602.02        -995.30      232026.09
Summary for: 2017:
  Interest  Paid: -19662.75
  Principal Paid: -11505.09
  Year Ending Balance: 232026.09
  Sum of Interest Paid: -460308.81
Pmt *       Interest      Principal        Balance
 222        -1595.18       -1002.14      231023.95
 223        -1588.29       -1009.03      230014.92
 224        -1581.35       -1015.97      228998.95
 225        -1574.37       -1022.95      227976.00
 226        -1567.34       -1029.98      226946.02
 227        -1560.25       -1037.07      225908.95
 228        -1553.12       -1044.20      224864.75
 229        -1545.95       -1051.37      223813.38
 230        -1538.72       -1058.60      222754.78
 231        -1531.44       -1065.88      221688.90
 232        -1524.11       -1073.21      220615.69
 233        -1516.73       -1080.59      219535.10
Summary for: 2018:
  Interest  Paid: -18676.85
  Principal Paid: -12490.99
  Year Ending Balance: 219535.10
  Sum of Interest Paid: -478985.66
Pmt *       Interest      Principal        Balance
 234        -1509.30       -1088.02      218447.08
 235        -1501.82       -1095.50      217351.58
 236        -1494.29       -1103.03      216248.55
 237        -1486.71       -1110.61      215137.94
 238        -1479.07       -1118.25      214019.69
 239        -1471.39       -1125.93      212893.76
 240        -1463.64       -1133.68      211760.08
 241        -1455.85       -1141.47      210618.61
 242        -1448.00       -1149.32      209469.29
 243        -1440.10       -1157.22      208312.07
 244        -1432.15       -1165.17      207146.90
 245        -1424.13       -1173.19      205973.71
Summary for: 2019:
  Interest  Paid: -17606.45
  Principal Paid: -13561.39
  Year Ending Balance: 205973.71
  Sum of Interest Paid: -496592.11
Pmt *       Interest      Principal        Balance
 246        -1416.07       -1181.25      204792.46
 247        -1407.95       -1189.37      203603.09
 248        -1399.77       -1197.55      202405.54
 249        -1391.54       -1205.78      201199.76
 250        -1383.25       -1214.07      199985.69
 251        -1374.90       -1222.42      198763.27
 252        -1366.50       -1230.82      197532.45
 253        -1358.04       -1239.28      196293.17
 254        -1349.52       -1247.80      195045.37
 255        -1340.94       -1256.38      193788.99
 256        -1332.30       -1265.02      192523.97
 257        -1323.60       -1273.72      191250.25
Summary for: 2020:
  Interest  Paid: -16444.38
  Principal Paid: -14723.46
  Year Ending Balance: 191250.25
  Sum of Interest Paid: -513036.49
Pmt *       Interest      Principal        Balance
 258        -1314.85       -1282.47      189967.78
 259        -1306.03       -1291.29      188676.49
 260        -1297.15       -1300.17      187376.32
 261        -1288.21       -1309.11      186067.21
 262        -1279.21       -1318.11      184749.10
 263        -1270.15       -1327.17      183421.93
 264        -1261.03       -1336.29      182085.64
 265        -1251.84       -1345.48      180740.16
 266        -1242.59       -1354.73      179385.43
 267        -1233.27       -1364.05      178021.38
 268        -1223.90       -1373.42      176647.96
 269        -1214.45       -1382.87      175265.09
Summary for: 2021:
  Interest  Paid: -15182.68
  Principal Paid: -15985.16
  Year Ending Balance: 175265.09
  Sum of Interest Paid: -528219.17
Pmt *       Interest      Principal        Balance
 270        -1204.95       -1392.37      173872.72
 271        -1195.37       -1401.95      172470.77
 272        -1185.74       -1411.58      171059.19
 273        -1176.03       -1421.29      169637.90
 274        -1166.26       -1431.06      168206.84
 275        -1156.42       -1440.90      166765.94
 276        -1146.52       -1450.80      165315.14
 277        -1136.54       -1460.78      163854.36
 278        -1126.50       -1470.82      162383.54
 279        -1116.39       -1480.93      160902.61
 280        -1106.21       -1491.11      159411.50
 281        -1095.95       -1501.37      157910.13
Summary for: 2022:
  Interest  Paid: -13812.88
  Principal Paid: -17354.96
  Year Ending Balance: 157910.13
  Sum of Interest Paid: -542032.05
Pmt *       Interest      Principal        Balance
 282        -1085.63       -1511.69      156398.44
 283        -1075.24       -1522.08      154876.36
 284        -1064.77       -1532.55      153343.81
 285        -1054.24       -1543.08      151800.73
 286        -1043.63       -1553.69      150247.04
 287        -1032.95       -1564.37      148682.67
 288        -1022.19       -1575.13      147107.54
 289        -1011.36       -1585.96      145521.58
 290        -1000.46       -1596.86      143924.72
 291         -989.48       -1607.84      142316.88
 292         -978.43       -1618.89      140697.99
 293         -967.30       -1630.02      139067.97
Summary for: 2023:
  Interest  Paid: -12325.68
  Principal Paid: -18842.16
  Year Ending Balance: 139067.97
  Sum of Interest Paid: -554357.73
Pmt *       Interest      Principal        Balance
 294         -956.09       -1641.23      137426.74
 295         -944.81       -1652.51      135774.23
 296         -933.45       -1663.87      134110.36
 297         -922.01       -1675.31      132435.05
 298         -910.49       -1686.83      130748.22
 299         -898.89       -1698.43      129049.79
 300         -887.22       -1710.10      127339.69
 301         -875.46       -1721.86      125617.83
 302         -863.62       -1733.70      123884.13
 303         -851.70       -1745.62      122138.51
 304         -839.70       -1757.62      120380.89
 305         -827.62       -1769.70      118611.19
Summary for: 2024:
  Interest  Paid: -10711.06
  Principal Paid: -20456.78
  Year Ending Balance: 118611.19
  Sum of Interest Paid: -565068.79
Pmt *       Interest      Principal        Balance
 306         -815.45       -1781.87      116829.32
 307         -803.20       -1794.12      115035.20
 308         -790.87       -1806.45      113228.75
 309         -778.45       -1818.87      111409.88
 310         -765.94       -1831.38      109578.50
 311         -753.35       -1843.97      107734.53
 312         -740.67       -1856.65      105877.88
 313         -727.91       -1869.41      104008.47
 314         -715.06       -1882.26      102126.21
 315         -702.12       -1895.20      100231.01
 316         -689.09       -1908.23       98322.78
 317         -675.97       -1921.35       96401.43
Summary for: 2025:
  Interest  Paid: -8958.08
  Principal Paid: -22209.76
  Year Ending Balance: 96401.43
  Sum of Interest Paid: -574026.87
Pmt *       Interest      Principal        Balance
 318         -662.76       -1934.56       94466.87
 319         -649.46       -1947.86       92519.01
 320         -636.07       -1961.25       90557.76
 321         -622.58       -1974.74       88583.02
 322         -609.01       -1988.31       86594.71
 323         -595.34       -2001.98       84592.73
 324         -581.58       -2015.74       82576.99
 325         -567.72       -2029.60       80547.39
 326         -553.76       -2043.56       78503.83
 327         -539.71       -2057.61       76446.22
 328         -525.57       -2071.75       74374.47
 329         -511.32       -2086.00       72288.47
Summary for: 2026:
  Interest  Paid: -7054.88
  Principal Paid: -24112.96
  Year Ending Balance: 72288.47
  Sum of Interest Paid: -581081.75
Pmt *       Interest      Principal        Balance
 330         -496.98       -2100.34       70188.13
 331         -482.54       -2114.78       68073.35
 332         -468.00       -2129.32       65944.03
 333         -453.37       -2143.95       63800.08
 334         -438.63       -2158.69       61641.39
 335         -423.78       -2173.54       59467.85
 336         -408.84       -2188.48       57279.37
 337         -393.80       -2203.52       55075.85
 338         -378.65       -2218.67       52857.18
 339         -363.39       -2233.93       50623.25
 340         -348.03       -2249.29       48373.96
 341         -332.57       -2264.75       46109.21
Summary for: 2027:
  Interest  Paid: -4988.58
  Principal Paid: -26179.26
  Year Ending Balance: 46109.21
  Sum of Interest Paid: -586070.33
Pmt *       Interest      Principal        Balance
 342         -317.00       -2280.32       43828.89
 343         -301.32       -2296.00       41532.89
 344         -285.54       -2311.78       39221.11
 345         -269.65       -2327.67       36893.44
 346         -253.64       -2343.68       34549.76
 347         -237.53       -2359.79       32189.97
 348         -221.31       -2376.01       29813.96
 349         -204.97       -2392.35       27421.61
 350         -188.52       -2408.80       25012.81
 351         -171.96       -2425.36       22587.45
 352         -155.29       -2442.03       20145.42
 353         -138.50       -2458.82       17686.60
Summary for: 2028:
  Interest  Paid: -2745.23
  Principal Paid: -28422.61
  Year Ending Balance: 17686.60
  Sum of Interest Paid: -588815.56
Pmt *       Interest      Principal        Balance
 354         -121.60       -2475.72       15210.88
 355         -104.57       -2492.75       12718.13
 356          -87.44       -2509.88       10208.25
 357          -70.18       -2527.14        7681.11
 358          -52.81       -2544.51        5136.60
 359          -35.31       -2562.01        2574.59
Final Payment: -2592.29
 360          -17.70       -2574.59          -0.00
Summary for: 2029:
  Interest  Paid: -489.61
  Principal Paid: -17686.60
  Year Ending Balance: 0.00
  Sum of Interest Paid: -589305.17

Total Interest: -589305.17


Third Schedule - ignore delay in first payment and
output variable advanced prepayment schedule
Amortization Table
Effective       Date: Tue Jun 15 00:00:00 1999
Initial Payment Date: Sun Aug  1 00:00:00 1999
Compounding Frequency per year: 12
Payment     Frequency per year: 12
Compounding: Discrete
Payments: End of Period
Payments (359): -2597.32
Final payment (360): -2591.78
Nominal Annual Interest Rate: 8.25
  Effective Interest Rate Per Payment Period: 0.006875
Present Value: 345725.00
Advanced Prepayment Amortization - Variable Prepayment
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
   1      -2376.86      -220.46      -221.98     -2819.30    345282.56
   2      -2373.82      -223.50      -225.04     -2822.36    344834.02
   3      -2370.73      -226.59      -228.14     -2825.46    344379.29
   4      -2367.61      -229.71      -231.29     -2828.61    343918.29
   5      -2364.44      -232.88      -234.48     -2831.80    343450.93
Summary for: 1999:
  Interest  Paid: -11853.46
  Principal Paid: 343447.80
  Year Ending Balance: 343450.93
  Sum of Interest Paid: -11853.46
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
   6      -2361.23      -236.09      -237.72     -2835.04    342977.12
   7      -2357.97      -239.35      -241.00     -2838.32    342496.77
   8      -2354.67      -242.65      -244.32     -2841.64    342009.80
   9      -2351.32      -246.00      -247.69     -2845.01    341516.11
  10      -2347.92      -249.40      -251.11     -2848.43    341015.60
  11      -2344.48      -252.84      -254.58     -2851.90    340508.18
  12      -2340.99      -256.33      -258.09     -2855.41    339993.76
  13      -2337.46      -259.86      -261.65     -2858.97    339472.25
  14      -2333.87      -263.45      -265.26     -2862.58    338943.54
  15      -2330.24      -267.08      -268.92     -2866.24    338407.54
  16      -2326.55      -270.77      -272.63     -2869.95    337864.14
  17      -2322.82      -274.50      -276.39     -2873.71    337313.25
Summary for: 2000:
  Interest  Paid: -28109.52
  Principal Paid: -6137.68
  Year Ending Balance: 337313.25
  Sum of Interest Paid: -39962.98
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  18      -2319.03      -278.29      -280.20     -2877.52    336754.76
  19      -2315.19      -282.13      -284.07     -2881.39    336188.56
  20      -2311.30      -286.02      -287.99     -2885.31    335614.55
  21      -2307.35      -289.97      -291.96     -2889.28    335032.62
  22      -2303.35      -293.97      -295.99     -2893.31    334442.66
  23      -2299.29      -298.03      -300.08     -2897.40    333844.55
  24      -2295.18      -302.14      -304.22     -2901.54    333238.19
  25      -2291.01      -306.31      -308.41     -2905.73    332623.47
  26      -2286.79      -310.53      -312.67     -2909.99    332000.27
  27      -2282.50      -314.82      -316.98     -2914.30    331368.47
  28      -2278.16      -319.16      -321.36     -2918.68    330727.95
  29      -2273.75      -323.57      -325.79     -2923.11    330078.59
Summary for: 2001:
  Interest  Paid: -27562.90
  Principal Paid: -7234.66
  Year Ending Balance: 330078.59
  Sum of Interest Paid: -67525.88
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  30      -2269.29      -328.03      -330.28     -2927.60    329420.28
  31      -2264.76      -332.56      -334.84     -2932.16    328752.88
  32      -2260.18      -337.14      -339.46     -2936.78    328076.28
  33      -2255.52      -341.80      -344.15     -2941.47    327390.33
  34      -2250.81      -346.51      -348.89     -2946.21    326694.93
  35      -2246.03      -351.29      -353.71     -2951.03    325989.93
  36      -2241.18      -356.14      -358.59     -2955.91    325275.20
  37      -2236.27      -361.05      -363.54     -2960.86    324550.61
  38      -2231.29      -366.03      -368.55     -2965.87    323816.03
  39      -2226.24      -371.08      -373.64     -2970.96    323071.31
  40      -2221.12      -376.20      -378.79     -2976.11    322316.32
  41      -2215.92      -381.40      -384.02     -2981.34    321550.90
Summary for: 2002:
  Interest  Paid: -26918.61
  Principal Paid: -8527.69
  Year Ending Balance: 321550.90
  Sum of Interest Paid: -94444.49
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  42      -2210.66      -386.66      -389.32     -2986.64    320774.92
  43      -2205.33      -391.99      -394.69     -2992.01    319988.24
  44      -2199.92      -397.40      -400.13     -2997.45    319190.71
  45      -2194.44      -402.88      -405.65     -3002.97    318382.18
  46      -2188.88      -408.44      -411.25     -3008.57    317562.49
  47      -2183.24      -414.08      -416.92     -3014.24    316731.49
  48      -2177.53      -419.79      -422.68     -3020.00    315889.02
  49      -2171.74      -425.58      -428.51     -3025.83    315034.93
  50      -2165.87      -431.45      -434.42     -3031.74    314169.06
  51      -2159.91      -437.41      -440.41     -3037.73    313291.24
  52      -2153.88      -443.44      -446.49     -3043.81    312401.31
  53      -2147.76      -449.56      -452.65     -3049.97    311499.10
Summary for: 2003:
  Interest  Paid: -26159.16
  Principal Paid: -10051.80
  Year Ending Balance: 311499.10
  Sum of Interest Paid: -120603.65
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  54      -2141.56      -455.76      -458.90     -3056.22    310584.44
  55      -2135.27      -462.05      -465.23     -3062.55    309657.16
  56      -2128.89      -468.43      -471.65     -3068.97    308717.08
  57      -2122.43      -474.89      -478.15     -3075.47    307764.04
  58      -2115.88      -481.44      -484.75     -3082.07    306797.85
  59      -2109.24      -488.08      -491.44     -3088.76    305818.33
  60      -2102.50      -494.82      -498.22     -3095.54    304825.29
  61      -2095.67      -501.65      -505.09     -3102.41    303818.55
  62      -2088.75      -508.57      -512.06     -3109.38    302797.92
  63      -2081.74      -515.58      -519.13     -3116.45    301763.21
  64      -2074.62      -522.70      -526.29     -3123.61    300714.22
  65      -2067.41      -529.91      -533.55     -3130.87    299650.76
Summary for: 2004:
  Interest  Paid: -25263.96
  Principal Paid: -11848.34
  Year Ending Balance: 299650.76
  Sum of Interest Paid: -145867.61
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  66      -2060.10      -537.22      -540.91     -3138.23    298572.63
  67      -2052.69      -544.63      -548.38     -3145.70    297479.62
  68      -2045.17      -552.15      -555.94     -3153.26    296371.53
  69      -2037.55      -559.77      -563.61     -3160.93    295248.15
  70      -2029.83      -567.49      -571.39     -3168.71    294109.27
  71      -2022.00      -575.32      -579.27     -3176.59    292954.68
  72      -2014.06      -583.26      -587.27     -3184.59    291784.15
  73      -2006.02      -591.30      -595.37     -3192.69    290597.48
  74      -1997.86      -599.46      -603.58     -3200.90    289394.44
  75      -1989.59      -607.73      -611.91     -3209.23    288174.80
  76      -1981.20      -616.12      -620.35     -3217.67    286938.33
  77      -1972.70      -624.62      -628.91     -3226.23    285684.80
Summary for: 2005:
  Interest  Paid: -24208.77
  Principal Paid: -13965.96
  Year Ending Balance: 285684.80
  Sum of Interest Paid: -170076.38
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  78      -1964.08      -633.24      -637.59     -3234.91    284413.97
  79      -1955.35      -641.97      -646.39     -3243.71    283125.61
  80      -1946.49      -650.83      -655.31     -3252.63    281819.47
  81      -1937.51      -659.81      -664.35     -3261.67    280495.31
  82      -1928.41      -668.91      -673.51     -3270.83    279152.89
  83      -1919.18      -678.14      -682.81     -3280.13    277791.94
  84      -1909.82      -687.50      -692.23     -3289.55    276412.21
  85      -1900.33      -696.99      -701.78     -3299.10    275013.44
  86      -1890.72      -706.60      -711.46     -3308.78    273595.38
  87      -1880.97      -716.35      -721.28     -3318.60    272157.75
  88      -1871.08      -726.24      -731.23     -3328.55    270700.28
  89      -1861.06      -736.26      -741.32     -3338.64    269222.70
Summary for: 2006:
  Interest  Paid: -22965.00
  Principal Paid: -16462.10
  Year Ending Balance: 269222.70
  Sum of Interest Paid: -193041.38
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  90      -1850.91      -746.41      -751.55     -3348.87    267724.74
  91      -1840.61      -756.71      -761.91     -3359.23    266206.12
  92      -1830.17      -767.15      -772.43     -3369.75    264666.54
  93      -1819.58      -777.74      -783.08     -3380.40    263105.72
  94      -1808.85      -788.47      -793.89     -3391.21    261523.36
  95      -1797.97      -799.35      -804.84     -3402.16    259919.17
  96      -1786.94      -810.38      -815.95     -3413.27    258292.84
  97      -1775.76      -821.56      -827.20     -3424.52    256644.08
  98      -1764.43      -832.89      -838.62     -3435.94    254972.57
  99      -1752.94      -844.38      -850.19     -3447.51    253278.00
 100      -1741.29      -856.03      -861.92     -3459.24    251560.05
 101      -1729.48      -867.84      -873.81     -3471.13    249818.40
Summary for: 2007:
  Interest  Paid: -21498.93
  Principal Paid: -19404.30
  Year Ending Balance: 249818.40
  Sum of Interest Paid: -214540.31
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 102      -1717.50      -879.82      -885.87     -3483.19    248052.71
 103      -1705.36      -891.96      -898.09     -3495.41    246262.66
 104      -1693.06      -904.26      -910.48     -3507.80    244447.92
 105      -1680.58      -916.74      -923.04     -3520.36    242608.14
 106      -1667.93      -929.39      -935.78     -3533.10    240742.97
 107      -1655.11      -942.21      -948.69     -3546.01    238852.07
 108      -1642.11      -955.21      -961.78     -3559.10    236935.08
 109      -1628.93      -968.39      -975.05     -3572.37    234991.64
 110      -1615.57      -981.75      -988.50     -3585.82    233021.39
 111      -1602.02      -995.30     -1002.14     -3599.46    231023.95
 112      -1588.29     -1009.03     -1015.97     -3613.29    228998.95
 113      -1574.37     -1022.95     -1029.99     -3627.31    226946.01
Summary for: 2008:
  Interest  Paid: -19770.83
  Principal Paid: -22872.39
  Year Ending Balance: 226946.01
  Sum of Interest Paid: -234311.14
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 114      -1560.25     -1037.07     -1044.20     -3641.52    224864.74
 115      -1545.95     -1051.37     -1058.60     -3655.92    222754.77
 116      -1531.44     -1065.88     -1073.21     -3670.53    220615.68
 117      -1516.73     -1080.59     -1088.02     -3685.34    218447.07
 118      -1501.82     -1095.50     -1103.03     -3700.35    216248.54
 119      -1486.71     -1110.61     -1118.25     -3715.57    214019.68
 120      -1471.39     -1125.93     -1133.68     -3731.00    211760.07
 121      -1455.85     -1141.47     -1149.32     -3746.64    209469.28
 122      -1440.10     -1157.22     -1165.17     -3762.49    207146.89
 123      -1424.13     -1173.19     -1181.25     -3778.57    204792.45
 124      -1407.95     -1189.37     -1197.55     -3794.87    202405.53
 125      -1391.54     -1205.78     -1214.07     -3811.39    199985.68
Summary for: 2009:
  Interest  Paid: -17733.86
  Principal Paid: -26960.33
  Year Ending Balance: 199985.68
  Sum of Interest Paid: -252045.00
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 126      -1374.90     -1222.42     -1230.82     -3828.14    197532.44
 127      -1358.04     -1239.28     -1247.80     -3845.12    195045.36
 128      -1340.94     -1256.38     -1265.02     -3862.34    192523.96
 129      -1323.60     -1273.72     -1282.47     -3879.79    189967.77
 130      -1306.03     -1291.29     -1300.17     -3897.49    187376.31
 131      -1288.21     -1309.11     -1318.11     -3915.43    184749.09
 132      -1270.15     -1327.17     -1336.29     -3933.61    182085.63
 133      -1251.84     -1345.48     -1354.73     -3952.05    179385.42
 134      -1233.27     -1364.05     -1373.42     -3970.74    176647.95
 135      -1214.45     -1382.87     -1392.37     -3989.69    173872.71
 136      -1195.37     -1401.95     -1411.58     -4008.90    171059.18
 137      -1176.03     -1421.29     -1431.06     -4028.38    168206.83
Summary for: 2010:
  Interest  Paid: -15332.83
  Principal Paid: -31778.85
  Year Ending Balance: 168206.83
  Sum of Interest Paid: -267377.83
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 138      -1156.42     -1440.90     -1450.80     -4048.12    165315.13
 139      -1136.54     -1460.78     -1470.82     -4068.14    162383.53
 140      -1116.39     -1480.93     -1491.11     -4088.43    159411.49
 141      -1095.95     -1501.37     -1511.69     -4109.01    156398.43
 142      -1075.24     -1522.08     -1532.55     -4129.87    153343.80
 143      -1054.24     -1543.08     -1553.69     -4151.01    150247.03
 144      -1032.95     -1564.37     -1575.13     -4172.45    147107.53
 145      -1011.36     -1585.96     -1596.86     -4194.18    143924.71
 146       -989.48     -1607.84     -1618.89     -4216.21    140697.98
 147       -967.30     -1630.02     -1641.23     -4238.55    137426.73
 148       -944.81     -1652.51     -1663.87     -4261.19    134110.35
 149       -922.01     -1675.31     -1686.83     -4284.15    130748.21
Summary for: 2011:
  Interest  Paid: -12502.69
  Principal Paid: -37458.62
  Year Ending Balance: 130748.21
  Sum of Interest Paid: -279880.52
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 150       -898.89     -1698.43     -1710.10     -4307.42    127339.68
 151       -875.46     -1721.86     -1733.70     -4331.02    123884.12
 152       -851.70     -1745.62     -1757.62     -4354.94    120380.88
 153       -827.62     -1769.70     -1781.87     -4379.19    116829.31
 154       -803.20     -1794.12     -1806.45     -4403.77    113228.74
 155       -778.45     -1818.87     -1831.38     -4428.70    109578.49
 156       -753.35     -1843.97     -1856.65     -4453.97    105877.87
 157       -727.91     -1869.41     -1882.26     -4479.58    102126.20
 158       -702.12     -1895.20     -1908.23     -4505.55     98322.77
 159       -675.97     -1921.35     -1934.56     -4531.88     94466.86
 160       -649.46     -1947.86     -1961.25     -4558.57     90557.75
 161       -622.58     -1974.74     -1988.31     -4585.63     86594.70
Summary for: 2012:
  Interest  Paid: -9166.71
  Principal Paid: -44153.51
  Year Ending Balance: 86594.70
  Sum of Interest Paid: -289047.23
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 162       -595.34     -2001.98     -2015.75     -4613.07     82576.97
 163       -567.72     -2029.60     -2043.56     -4640.88     78503.81
 164       -539.71     -2057.61     -2071.75     -4669.07     74374.45
 165       -511.32     -2086.00     -2100.34     -4697.66     70188.11
 166       -482.54     -2114.78     -2129.32     -4726.64     65944.01
 167       -453.37     -2143.95     -2158.69     -4756.01     61641.37
 168       -423.78     -2173.54     -2188.48     -4785.80     57279.35
 169       -393.80     -2203.52     -2218.67     -4815.99     52857.16
 170       -363.39     -2233.93     -2249.29     -4846.61     48373.94
 171       -332.57     -2264.75     -2280.32     -4877.64     43828.87
 172       -301.32     -2296.00     -2311.78     -4909.10     39221.09
 173       -269.64     -2327.68     -2343.68     -4941.00     34549.73
Summary for: 2013:
  Interest  Paid: -5234.50
  Principal Paid: -52044.97
  Year Ending Balance: 34549.73
  Sum of Interest Paid: -294281.73
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 174       -237.53     -2359.79     -2376.01     -4973.33     29813.93
 175       -204.97     -2392.35     -2408.80     -5006.12     25012.78
 176       -171.96     -2425.36     -2442.03     -5039.35     20145.39
 177       -138.50     -2458.82     -2475.72     -5073.04     15210.85
 178       -104.57     -2492.75     -2509.88     -5107.20     10208.22
 179        -70.18     -2527.14     -2544.51     -5141.83      5136.57
 180        -35.31     -2562.01     -2574.56     -5171.88         0.00
Summary for: 2014:
  Interest  Paid: -963.02
  Principal Paid: -34549.73
  Year Ending Balance: 0.00
  Sum of Interest Paid: -295244.75

Total Interest: -295244.75


Fourth Schedule - ignore delay in first payment and
output fixed prepayment schedule
Amortization Table
Effective       Date: Tue Jun 15 00:00:00 1999
Initial Payment Date: Sun Aug  1 00:00:00 1999
Compounding Frequency per year: 12
Payment     Frequency per year: 12
Compounding: Discrete
Payments: End of Period
Payments (359): -2597.32
Final payment (360): -2591.78
Nominal Annual Interest Rate: 8.25
  Effective Interest Rate Per Payment Period: 0.006875
Present Value: 345725.00
Advanced Prepayment Amortization - Fixed Prepayment: -400.00
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
   1      -2376.86      -220.46      -400.00     -2997.32    345104.54
   2      -2372.59      -224.73      -400.00     -2997.32    344479.81
   3      -2368.30      -229.02      -400.00     -2997.32    343850.79
   4      -2363.97      -233.35      -400.00     -2997.32    343217.44
   5      -2359.62      -237.70      -400.00     -2997.32    342579.74
Summary for: 1999:
  Interest  Paid: -11841.34
  Principal Paid: 342576.61
  Year Ending Balance: 342579.74
  Sum of Interest Paid: -11841.34
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
   6      -2355.24      -242.08      -400.00     -2997.32    341937.66
   7      -2350.82      -246.50      -400.00     -2997.32    341291.16
   8      -2346.38      -250.94      -400.00     -2997.32    340640.22
   9      -2341.90      -255.42      -400.00     -2997.32    339984.80
  10      -2337.40      -259.92      -400.00     -2997.32    339324.88
  11      -2332.86      -264.46      -400.00     -2997.32    338660.42
  12      -2328.29      -269.03      -400.00     -2997.32    337991.39
  13      -2323.69      -273.63      -400.00     -2997.32    337317.76
  14      -2319.06      -278.26      -400.00     -2997.32    336639.50
  15      -2314.40      -282.92      -400.00     -2997.32    335956.58
  16      -2309.70      -287.62      -400.00     -2997.32    335268.96
  17      -2304.97      -292.35      -400.00     -2997.32    334576.61
Summary for: 2000:
  Interest  Paid: -27964.71
  Principal Paid: -8003.13
  Year Ending Balance: 334576.61
  Sum of Interest Paid: -39806.05
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  18      -2300.21      -297.11      -400.00     -2997.32    333879.50
  19      -2295.42      -301.90      -400.00     -2997.32    333177.60
  20      -2290.60      -306.72      -400.00     -2997.32    332470.88
  21      -2285.74      -311.58      -400.00     -2997.32    331759.30
  22      -2280.85      -316.47      -400.00     -2997.32    331042.83
  23      -2275.92      -321.40      -400.00     -2997.32    330321.43
  24      -2270.96      -326.36      -400.00     -2997.32    329595.07
  25      -2265.97      -331.35      -400.00     -2997.32    328863.72
  26      -2260.94      -336.38      -400.00     -2997.32    328127.34
  27      -2255.88      -341.44      -400.00     -2997.32    327385.90
  28      -2250.78      -346.54      -400.00     -2997.32    326639.36
  29      -2245.65      -351.67      -400.00     -2997.32    325887.69
Summary for: 2001:
  Interest  Paid: -27278.92
  Principal Paid: -8688.92
  Year Ending Balance: 325887.69
  Sum of Interest Paid: -67084.97
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  30      -2240.48      -356.84      -400.00     -2997.32    325130.85
  31      -2235.27      -362.05      -400.00     -2997.32    324368.80
  32      -2230.04      -367.28      -400.00     -2997.32    323601.52
  33      -2224.76      -372.56      -400.00     -2997.32    322828.96
  34      -2219.45      -377.87      -400.00     -2997.32    322051.09
  35      -2214.10      -383.22      -400.00     -2997.32    321267.87
  36      -2208.72      -388.60      -400.00     -2997.32    320479.27
  37      -2203.29      -394.03      -400.00     -2997.32    319685.24
  38      -2197.84      -399.48      -400.00     -2997.32    318885.76
  39      -2192.34      -404.98      -400.00     -2997.32    318080.78
  40      -2186.81      -410.51      -400.00     -2997.32    317270.27
  41      -2181.23      -416.09      -400.00     -2997.32    316454.18
Summary for: 2002:
  Interest  Paid: -26534.33
  Principal Paid: -9433.51
  Year Ending Balance: 316454.18
  Sum of Interest Paid: -93619.30
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  42      -2175.62      -421.70      -400.00     -2997.32    315632.48
  43      -2169.97      -427.35      -400.00     -2997.32    314805.13
  44      -2164.29      -433.03      -400.00     -2997.32    313972.10
  45      -2158.56      -438.76      -400.00     -2997.32    313133.34
  46      -2152.79      -444.53      -400.00     -2997.32    312288.81
  47      -2146.99      -450.33      -400.00     -2997.32    311438.48
  48      -2141.14      -456.18      -400.00     -2997.32    310582.30
  49      -2135.25      -462.07      -400.00     -2997.32    309720.23
  50      -2129.33      -467.99      -400.00     -2997.32    308852.24
  51      -2123.36      -473.96      -400.00     -2997.32    307978.28
  52      -2117.35      -479.97      -400.00     -2997.32    307098.31
  53      -2111.30      -486.02      -400.00     -2997.32    306212.29
Summary for: 2003:
  Interest  Paid: -25725.95
  Principal Paid: -10241.89
  Year Ending Balance: 306212.29
  Sum of Interest Paid: -119345.25
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  54      -2105.21      -492.11      -400.00     -2997.32    305320.18
  55      -2099.08      -498.24      -400.00     -2997.32    304421.94
  56      -2092.90      -504.42      -400.00     -2997.32    303517.52
  57      -2086.68      -510.64      -400.00     -2997.32    302606.88
  58      -2080.42      -516.90      -400.00     -2997.32    301689.98
  59      -2074.12      -523.20      -400.00     -2997.32    300766.78
  60      -2067.77      -529.55      -400.00     -2997.32    299837.23
  61      -2061.38      -535.94      -400.00     -2997.32    298901.29
  62      -2054.95      -542.37      -400.00     -2997.32    297958.92
  63      -2048.47      -548.85      -400.00     -2997.32    297010.07
  64      -2041.94      -555.38      -400.00     -2997.32    296054.69
  65      -2035.38      -561.94      -400.00     -2997.32    295092.75
Summary for: 2004:
  Interest  Paid: -24848.30
  Principal Paid: -11119.54
  Year Ending Balance: 295092.75
  Sum of Interest Paid: -144193.55
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  66      -2028.76      -568.56      -400.00     -2997.32    294124.19
  67      -2022.10      -575.22      -400.00     -2997.32    293148.97
  68      -2015.40      -581.92      -400.00     -2997.32    292167.05
  69      -2008.65      -588.67      -400.00     -2997.32    291178.38
  70      -2001.85      -595.47      -400.00     -2997.32    290182.91
  71      -1995.01      -602.31      -400.00     -2997.32    289180.60
  72      -1988.12      -609.20      -400.00     -2997.32    288171.40
  73      -1981.18      -616.14      -400.00     -2997.32    287155.26
  74      -1974.19      -623.13      -400.00     -2997.32    286132.13
  75      -1967.16      -630.16      -400.00     -2997.32    285101.97
  76      -1960.08      -637.24      -400.00     -2997.32    284064.73
  77      -1952.95      -644.37      -400.00     -2997.32    283020.36
Summary for: 2005:
  Interest  Paid: -23895.45
  Principal Paid: -12072.39
  Year Ending Balance: 283020.36
  Sum of Interest Paid: -168089.00
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  78      -1945.76      -651.56      -400.00     -2997.32    281968.80
  79      -1938.54      -658.78      -400.00     -2997.32    280910.02
  80      -1931.26      -666.06      -400.00     -2997.32    279843.96
  81      -1923.93      -673.39      -400.00     -2997.32    278770.57
  82      -1916.55      -680.77      -400.00     -2997.32    277689.80
  83      -1909.12      -688.20      -400.00     -2997.32    276601.60
  84      -1901.64      -695.68      -400.00     -2997.32    275505.92
  85      -1894.10      -703.22      -400.00     -2997.32    274402.70
  86      -1886.52      -710.80      -400.00     -2997.32    273291.90
  87      -1878.88      -718.44      -400.00     -2997.32    272173.46
  88      -1871.19      -726.13      -400.00     -2997.32    271047.33
  89      -1863.45      -733.87      -400.00     -2997.32    269913.46
Summary for: 2006:
  Interest  Paid: -22860.94
  Principal Paid: -13106.90
  Year Ending Balance: 269913.46
  Sum of Interest Paid: -190949.94
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  90      -1855.66      -741.66      -400.00     -2997.32    268771.80
  91      -1847.81      -749.51      -400.00     -2997.32    267622.29
  92      -1839.90      -757.42      -400.00     -2997.32    266464.87
  93      -1831.95      -765.37      -400.00     -2997.32    265299.50
  94      -1823.93      -773.39      -400.00     -2997.32    264126.11
  95      -1815.87      -781.45      -400.00     -2997.32    262944.66
  96      -1807.74      -789.58      -400.00     -2997.32    261755.08
  97      -1799.57      -797.75      -400.00     -2997.32    260557.33
  98      -1791.33      -805.99      -400.00     -2997.32    259351.34
  99      -1783.04      -814.28      -400.00     -2997.32    258137.06
 100      -1774.69      -822.63      -400.00     -2997.32    256914.43
 101      -1766.29      -831.03      -400.00     -2997.32    255683.40
Summary for: 2007:
  Interest  Paid: -21737.78
  Principal Paid: -14230.06
  Year Ending Balance: 255683.40
  Sum of Interest Paid: -212687.72
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 102      -1757.82      -839.50      -400.00     -2997.32    254443.90
 103      -1749.30      -848.02      -400.00     -2997.32    253195.88
 104      -1740.72      -856.60      -400.00     -2997.32    251939.28
 105      -1732.08      -865.24      -400.00     -2997.32    250674.04
 106      -1723.38      -873.94      -400.00     -2997.32    249400.10
 107      -1714.63      -882.69      -400.00     -2997.32    248117.41
 108      -1705.81      -891.51      -400.00     -2997.32    246825.90
 109      -1696.93      -900.39      -400.00     -2997.32    245525.51
 110      -1687.99      -909.33      -400.00     -2997.32    244216.18
 111      -1678.99      -918.33      -400.00     -2997.32    242897.85
 112      -1669.92      -927.40      -400.00     -2997.32    241570.45
 113      -1660.80      -936.52      -400.00     -2997.32    240233.93
Summary for: 2008:
  Interest  Paid: -20518.37
  Principal Paid: -15449.47
  Year Ending Balance: 240233.93
  Sum of Interest Paid: -233206.09
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 114      -1651.61      -945.71      -400.00     -2997.32    238888.22
 115      -1642.36      -954.96      -400.00     -2997.32    237533.26
 116      -1633.04      -964.28      -400.00     -2997.32    236168.98
 117      -1623.66      -973.66      -400.00     -2997.32    234795.32
 118      -1614.22      -983.10      -400.00     -2997.32    233412.22
 119      -1604.71      -992.61      -400.00     -2997.32    232019.61
 120      -1595.13     -1002.19      -400.00     -2997.32    230617.42
 121      -1585.49     -1011.83      -400.00     -2997.32    229205.59
 122      -1575.79     -1021.53      -400.00     -2997.32    227784.06
 123      -1566.02     -1031.30      -400.00     -2997.32    226352.76
 124      -1556.18     -1041.14      -400.00     -2997.32    224911.62
 125      -1546.27     -1051.05      -400.00     -2997.32    223460.57
Summary for: 2009:
  Interest  Paid: -19194.48
  Principal Paid: -16773.36
  Year Ending Balance: 223460.57
  Sum of Interest Paid: -252400.57
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 126      -1536.29     -1061.03      -400.00     -2997.32    221999.54
 127      -1526.25     -1071.07      -400.00     -2997.32    220528.47
 128      -1516.13     -1081.19      -400.00     -2997.32    219047.28
 129      -1505.95     -1091.37      -400.00     -2997.32    217555.91
 130      -1495.70     -1101.62      -400.00     -2997.32    216054.29
 131      -1485.37     -1111.95      -400.00     -2997.32    214542.34
 132      -1474.98     -1122.34      -400.00     -2997.32    213020.00
 133      -1464.51     -1132.81      -400.00     -2997.32    211487.19
 134      -1453.97     -1143.35      -400.00     -2997.32    209943.84
 135      -1443.36     -1153.96      -400.00     -2997.32    208389.88
 136      -1432.68     -1164.64      -400.00     -2997.32    206825.24
 137      -1421.92     -1175.40      -400.00     -2997.32    205249.84
Summary for: 2010:
  Interest  Paid: -17757.11
  Principal Paid: -18210.73
  Year Ending Balance: 205249.84
  Sum of Interest Paid: -270157.68
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 138      -1411.09     -1186.23      -400.00     -2997.32    203663.61
 139      -1400.19     -1197.13      -400.00     -2997.32    202066.48
 140      -1389.21     -1208.11      -400.00     -2997.32    200458.37
 141      -1378.15     -1219.17      -400.00     -2997.32    198839.20
 142      -1367.02     -1230.30      -400.00     -2997.32    197208.90
 143      -1355.81     -1241.51      -400.00     -2997.32    195567.39
 144      -1344.53     -1252.79      -400.00     -2997.32    193914.60
 145      -1333.16     -1264.16      -400.00     -2997.32    192250.44
 146      -1321.72     -1275.60      -400.00     -2997.32    190574.84
 147      -1310.20     -1287.12      -400.00     -2997.32    188887.72
 148      -1298.60     -1298.72      -400.00     -2997.32    187189.00
 149      -1286.92     -1310.40      -400.00     -2997.32    185478.60
Summary for: 2011:
  Interest  Paid: -16196.60
  Principal Paid: -19771.24
  Year Ending Balance: 185478.60
  Sum of Interest Paid: -286354.28
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 150      -1275.17     -1322.15      -400.00     -2997.32    183756.45
 151      -1263.33     -1333.99      -400.00     -2997.32    182022.46
 152      -1251.40     -1345.92      -400.00     -2997.32    180276.54
 153      -1239.40     -1357.92      -400.00     -2997.32    178518.62
 154      -1227.32     -1370.00      -400.00     -2997.32    176748.62
 155      -1215.15     -1382.17      -400.00     -2997.32    174966.45
 156      -1202.89     -1394.43      -400.00     -2997.32    173172.02
 157      -1190.56     -1406.76      -400.00     -2997.32    171365.26
 158      -1178.14     -1419.18      -400.00     -2997.32    169546.08
 159      -1165.63     -1431.69      -400.00     -2997.32    167714.39
 160      -1153.04     -1444.28      -400.00     -2997.32    165870.11
 161      -1140.36     -1456.96      -400.00     -2997.32    164013.15
Summary for: 2012:
  Interest  Paid: -14502.39
  Principal Paid: -21465.45
  Year Ending Balance: 164013.15
  Sum of Interest Paid: -300856.67
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 162      -1127.59     -1469.73      -400.00     -2997.32    162143.42
 163      -1114.74     -1482.58      -400.00     -2997.32    160260.84
 164      -1101.79     -1495.53      -400.00     -2997.32    158365.31
 165      -1088.76     -1508.56      -400.00     -2997.32    156456.75
 166      -1075.64     -1521.68      -400.00     -2997.32    154535.07
 167      -1062.43     -1534.89      -400.00     -2997.32    152600.18
 168      -1049.13     -1548.19      -400.00     -2997.32    150651.99
 169      -1035.73     -1561.59      -400.00     -2997.32    148690.40
 170      -1022.25     -1575.07      -400.00     -2997.32    146715.33
 171      -1008.67     -1588.65      -400.00     -2997.32    144726.68
 172       -995.00     -1602.32      -400.00     -2997.32    142724.36
 173       -981.23     -1616.09      -400.00     -2997.32    140708.27
Summary for: 2013:
  Interest  Paid: -12662.96
  Principal Paid: -23304.88
  Year Ending Balance: 140708.27
  Sum of Interest Paid: -313519.63
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 174       -967.37     -1629.95      -400.00     -2997.32    138678.32
 175       -953.41     -1643.91      -400.00     -2997.32    136634.41
 176       -939.36     -1657.96      -400.00     -2997.32    134576.45
 177       -925.21     -1672.11      -400.00     -2997.32    132504.34
 178       -910.97     -1686.35      -400.00     -2997.32    130417.99
 179       -896.62     -1700.70      -400.00     -2997.32    128317.29
 180       -882.18     -1715.14      -400.00     -2997.32    126202.15
 181       -867.64     -1729.68      -400.00     -2997.32    124072.47
 182       -853.00     -1744.32      -400.00     -2997.32    121928.15
 183       -838.26     -1759.06      -400.00     -2997.32    119769.09
 184       -823.41     -1773.91      -400.00     -2997.32    117595.18
 185       -808.47     -1788.85      -400.00     -2997.32    115406.33
Summary for: 2014:
  Interest  Paid: -10665.90
  Principal Paid: -25301.94
  Year Ending Balance: 115406.33
  Sum of Interest Paid: -324185.53
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 186       -793.42     -1803.90      -400.00     -2997.32    113202.43
 187       -778.27     -1819.05      -400.00     -2997.32    110983.38
 188       -763.01     -1834.31      -400.00     -2997.32    108749.07
 189       -747.65     -1849.67      -400.00     -2997.32    106499.40
 190       -732.18     -1865.14      -400.00     -2997.32    104234.26
 191       -716.61     -1880.71      -400.00     -2997.32    101953.55
 192       -700.93     -1896.39      -400.00     -2997.32     99657.16
 193       -685.14     -1912.18      -400.00     -2997.32     97344.98
 194       -669.25     -1928.07      -400.00     -2997.32     95016.91
 195       -653.24     -1944.08      -400.00     -2997.32     92672.83
 196       -637.13     -1960.19      -400.00     -2997.32     90312.64
 197       -620.90     -1976.42      -400.00     -2997.32     87936.22
Summary for: 2015:
  Interest  Paid: -8497.73
  Principal Paid: -27470.11
  Year Ending Balance: 87936.22
  Sum of Interest Paid: -332683.26
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 198       -604.56     -1992.76      -400.00     -2997.32     85543.46
 199       -588.11     -2009.21      -400.00     -2997.32     83134.25
 200       -571.55     -2025.77      -400.00     -2997.32     80708.48
 201       -554.87     -2042.45      -400.00     -2997.32     78266.03
 202       -538.08     -2059.24      -400.00     -2997.32     75806.79
 203       -521.17     -2076.15      -400.00     -2997.32     73330.64
 204       -504.15     -2093.17      -400.00     -2997.32     70837.47
 205       -487.01     -2110.31      -400.00     -2997.32     68327.16
 206       -469.75     -2127.57      -400.00     -2997.32     65799.59
 207       -452.37     -2144.95      -400.00     -2997.32     63254.64
 208       -434.88     -2162.44      -400.00     -2997.32     60692.20
 209       -417.26     -2180.06      -400.00     -2997.32     58112.14
Summary for: 2016:
  Interest  Paid: -6143.76
  Principal Paid: -29824.08
  Year Ending Balance: 58112.14
  Sum of Interest Paid: -338827.02
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 210       -399.52     -2197.80      -400.00     -2997.32     55514.34
 211       -381.66     -2215.66      -400.00     -2997.32     52898.68
 212       -363.68     -2233.64      -400.00     -2997.32     50265.04
 213       -345.57     -2251.75      -400.00     -2997.32     47613.29
 214       -327.34     -2269.98      -400.00     -2997.32     44943.31
 215       -308.99     -2288.33      -400.00     -2997.32     42254.98
 216       -290.50     -2306.82      -400.00     -2997.32     39548.16
 217       -271.89     -2325.43      -400.00     -2997.32     36822.73
 218       -253.16     -2344.16      -400.00     -2997.32     34078.57
 219       -234.29     -2363.03      -400.00     -2997.32     31315.54
 220       -215.29     -2382.03      -400.00     -2997.32     28533.51
 221       -196.17     -2401.15      -400.00     -2997.32     25732.36
Summary for: 2017:
  Interest  Paid: -3588.06
  Principal Paid: -32379.78
  Year Ending Balance: 25732.36
  Sum of Interest Paid: -342415.08
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 222       -176.91     -2420.41      -400.00     -2997.32     22911.95
 223       -157.52     -2439.80      -400.00     -2997.32     20072.15
 224       -138.00     -2459.32      -400.00     -2997.32     17212.83
 225       -118.34     -2478.98      -400.00     -2997.32     14333.85
 226        -98.55     -2498.77      -400.00     -2997.32     11435.08
 227        -78.62     -2518.70      -400.00     -2997.32      8516.38
 228        -58.55     -2538.77      -400.00     -2997.32      5577.61
 229        -38.35     -2558.97      -400.00     -2997.32      2618.64
 230        -18.00     -2579.32       -39.32     -2636.64         0.00
Summary for: 2018:
  Interest  Paid: -882.84
  Principal Paid: -25732.36
  Year Ending Balance: 0.00
  Sum of Interest Paid: -343297.92

Total Interest: -343297.92


Fifth Schedule - use new payments due to delay and
output annual summary
Amortization Table
Effective       Date: Tue Jun 15 00:00:00 1999
Initial Payment Date: Sun Aug  1 00:00:00 1999
Compounding Frequency per year: 12
Payment     Frequency per year: 12
Compounding: Discrete
Payments: End of Period
Payments (359): -2606.82
Final payment (360): -2614.23
Nominal Annual Interest Rate: 8.25
  Effective Interest Rate Per Payment Period: 0.006875
Present Value: 345725.00
Interest due to Delayed Intial Payment: -1265.63
Annual Summary - Normal Amortization
Year      Interest   Ending Balance
1999     -11912.49      345869.02
2000     -28427.88      343015.06
2001     -28183.32      339916.54
2002     -27917.80      336552.50
2003     -27629.53      332900.19
2004     -27316.55      328934.90
2005     -26976.76      324629.82
2006     -26607.85      319955.83
2007     -26207.32      314881.31
2008     -25772.48      309371.95
2009     -25300.37      303390.48
2010     -24787.80      296896.44
2011     -24231.32      289845.92
2012     -23627.14      282191.22
2013     -22971.19      273880.57
2014     -22259.04      264857.77
2015     -21485.85      255061.78
2016     -20646.41      244426.35
2017     -19735.04      232879.55
2018     -18745.57      220343.28
2019     -17671.31      206732.75
2020     -16505.00      191955.91
2021     -15238.74      175912.81
2022     -13863.97      158494.94
2023     -12371.39      139584.49
2024     -10750.92      119053.57
2025      -8991.58       96763.31
2026      -7081.48       72562.95
2027      -5007.70       46288.81
2028      -2756.21       17763.18
2029       -491.97           0.00

Total Interest: -591471.98


Sixth Schedule - use new payments due to delay and
output periodic payment schedule
Amortization Table
Effective       Date: Tue Jun 15 00:00:00 1999
Initial Payment Date: Sun Aug  1 00:00:00 1999
Compounding Frequency per year: 12
Payment     Frequency per year: 12
Compounding: Discrete
Payments: End of Period
Payments (359): -2606.82
Final payment (360): -2614.23
Nominal Annual Interest Rate: 8.25
  Effective Interest Rate Per Payment Period: 0.006875
Present Value: 345725.00
Interest due to Delayed Intial Payment: -1265.63
Normal Amortization Schedule
Pmt *       Interest      Principal        Balance
   1        -2385.56        -221.26      346769.37
   2        -2384.04        -222.78      346546.59
   3        -2382.51        -224.31      346322.28
   4        -2380.97        -225.85      346096.43
   5        -2379.41        -227.41      345869.02
Summary for: 1999:
  Interest  Paid: -11912.49
  Principal Paid: -1121.61
  Year Ending Balance: 345869.02
  Sum of Interest Paid: -11912.49
Pmt *       Interest      Principal        Balance
   6        -2377.85        -228.97      345640.05
   7        -2376.28        -230.54      345409.51
   8        -2374.69        -232.13      345177.38
   9        -2373.09        -233.73      344943.65
  10        -2371.49        -235.33      344708.32
  11        -2369.87        -236.95      344471.37
  12        -2368.24        -238.58      344232.79
  13        -2366.60        -240.22      343992.57
  14        -2364.95        -241.87      343750.70
  15        -2363.29        -243.53      343507.17
  16        -2361.61        -245.21      343261.96
  17        -2359.93        -246.89      343015.07
Summary for: 2000:
  Interest  Paid: -28427.89
  Principal Paid: -2853.95
  Year Ending Balance: 343015.07
  Sum of Interest Paid: -40340.38
Pmt *       Interest      Principal        Balance
  18        -2358.23        -248.59      342766.48
  19        -2356.52        -250.30      342516.18
  20        -2354.80        -252.02      342264.16
  21        -2353.07        -253.75      342010.41
  22        -2351.32        -255.50      341754.91
  23        -2349.57        -257.25      341497.66
  24        -2347.80        -259.02      341238.64
  25        -2346.02        -260.80      340977.84
  26        -2344.22        -262.60      340715.24
  27        -2342.42        -264.40      340450.84
  28        -2340.60        -266.22      340184.62
  29        -2338.77        -268.05      339916.57
Summary for: 2001:
  Interest  Paid: -28183.34
  Principal Paid: -3098.50
  Year Ending Balance: 339916.57
  Sum of Interest Paid: -68523.72
Pmt *       Interest      Principal        Balance
  30        -2336.93        -269.89      339646.68
  31        -2335.07        -271.75      339374.93
  32        -2333.20        -273.62      339101.31
  33        -2331.32        -275.50      338825.81
  34        -2329.43        -277.39      338548.42
  35        -2327.52        -279.30      338269.12
  36        -2325.60        -281.22      337987.90
  37        -2323.67        -283.15      337704.75
  38        -2321.72        -285.10      337419.65
  39        -2319.76        -287.06      337132.59
  40        -2317.79        -289.03      336843.56
  41        -2315.80        -291.02      336552.54
Summary for: 2002:
  Interest  Paid: -27917.81
  Principal Paid: -3364.03
  Year Ending Balance: 336552.54
  Sum of Interest Paid: -96441.53
Pmt *       Interest      Principal        Balance
  42        -2313.80        -293.02      336259.52
  43        -2311.78        -295.04      335964.48
  44        -2309.76        -297.06      335667.42
  45        -2307.71        -299.11      335368.31
  46        -2305.66        -301.16      335067.15
  47        -2303.59        -303.23      334763.92
  48        -2301.50        -305.32      334458.60
  49        -2299.40        -307.42      334151.18
  50        -2297.29        -309.53      333841.65
  51        -2295.16        -311.66      333529.99
  52        -2293.02        -313.80      333216.19
  53        -2290.86        -315.96      332900.23
Summary for: 2003:
  Interest  Paid: -27629.53
  Principal Paid: -3652.31
  Year Ending Balance: 332900.23
  Sum of Interest Paid: -124071.06
Pmt *       Interest      Principal        Balance
  54        -2288.69        -318.13      332582.10
  55        -2286.50        -320.32      332261.78
  56        -2284.30        -322.52      331939.26
  57        -2282.08        -324.74      331614.52
  58        -2279.85        -326.97      331287.55
  59        -2277.60        -329.22      330958.33
  60        -2275.34        -331.48      330626.85
  61        -2273.06        -333.76      330293.09
  62        -2270.76        -336.06      329957.03
  63        -2268.45        -338.37      329618.66
  64        -2266.13        -340.69      329277.97
  65        -2263.79        -343.03      328934.94
Summary for: 2004:
  Interest  Paid: -27316.55
  Principal Paid: -3965.29
  Year Ending Balance: 328934.94
  Sum of Interest Paid: -151387.61
Pmt *       Interest      Principal        Balance
  66        -2261.43        -345.39      328589.55
  67        -2259.05        -347.77      328241.78
  68        -2256.66        -350.16      327891.62
  69        -2254.25        -352.57      327539.05
  70        -2251.83        -354.99      327184.06
  71        -2249.39        -357.43      326826.63
  72        -2246.93        -359.89      326466.74
  73        -2244.46        -362.36      326104.38
  74        -2241.97        -364.85      325739.53
  75        -2239.46        -367.36      325372.17
  76        -2236.93        -369.89      325002.28
  77        -2234.39        -372.43      324629.85
Summary for: 2005:
  Interest  Paid: -26976.75
  Principal Paid: -4305.09
  Year Ending Balance: 324629.85
  Sum of Interest Paid: -178364.36
Pmt *       Interest      Principal        Balance
  78        -2231.83        -374.99      324254.86
  79        -2229.25        -377.57      323877.29
  80        -2226.66        -380.16      323497.13
  81        -2224.04        -382.78      323114.35
  82        -2221.41        -385.41      322728.94
  83        -2218.76        -388.06      322340.88
  84        -2216.09        -390.73      321950.15
  85        -2213.41        -393.41      321556.74
  86        -2210.70        -396.12      321160.62
  87        -2207.98        -398.84      320761.78
  88        -2205.24        -401.58      320360.20
  89        -2202.48        -404.34      319955.86
Summary for: 2006:
  Interest  Paid: -26607.85
  Principal Paid: -4673.99
  Year Ending Balance: 319955.86
  Sum of Interest Paid: -204972.21
Pmt *       Interest      Principal        Balance
  90        -2199.70        -407.12      319548.74
  91        -2196.90        -409.92      319138.82
  92        -2194.08        -412.74      318726.08
  93        -2191.24        -415.58      318310.50
  94        -2188.38        -418.44      317892.06
  95        -2185.51        -421.31      317470.75
  96        -2182.61        -424.21      317046.54
  97        -2179.69        -427.13      316619.41
  98        -2176.76        -430.06      316189.35
  99        -2173.80        -433.02      315756.33
 100        -2170.82        -436.00      315320.33
 101        -2167.83        -438.99      314881.34
Summary for: 2007:
  Interest  Paid: -26207.32
  Principal Paid: -5074.52
  Year Ending Balance: 314881.34
  Sum of Interest Paid: -231179.53
Pmt *       Interest      Principal        Balance
 102        -2164.81        -442.01      314439.33
 103        -2161.77        -445.05      313994.28
 104        -2158.71        -448.11      313546.17
 105        -2155.63        -451.19      313094.98
 106        -2152.53        -454.29      312640.69
 107        -2149.40        -457.42      312183.27
 108        -2146.26        -460.56      311722.71
 109        -2143.09        -463.73      311258.98
 110        -2139.91        -466.91      310792.07
 111        -2136.70        -470.12      310321.95
 112        -2133.46        -473.36      309848.59
 113        -2130.21        -476.61      309371.98
Summary for: 2008:
  Interest  Paid: -25772.48
  Principal Paid: -5509.36
  Year Ending Balance: 309371.98
  Sum of Interest Paid: -256952.01
Pmt *       Interest      Principal        Balance
 114        -2126.93        -479.89      308892.09
 115        -2123.63        -483.19      308408.90
 116        -2120.31        -486.51      307922.39
 117        -2116.97        -489.85      307432.54
 118        -2113.60        -493.22      306939.32
 119        -2110.21        -496.61      306442.71
 120        -2106.79        -500.03      305942.68
 121        -2103.36        -503.46      305439.22
 122        -2099.89        -506.93      304932.29
 123        -2096.41        -510.41      304421.88
 124        -2092.90        -513.92      303907.96
 125        -2089.37        -517.45      303390.51
Summary for: 2009:
  Interest  Paid: -25300.37
  Principal Paid: -5981.47
  Year Ending Balance: 303390.51
  Sum of Interest Paid: -282252.38
Pmt *       Interest      Principal        Balance
 126        -2085.81        -521.01      302869.50
 127        -2082.23        -524.59      302344.91
 128        -2078.62        -528.20      301816.71
 129        -2074.99        -531.83      301284.88
 130        -2071.33        -535.49      300749.39
 131        -2067.65        -539.17      300210.22
 132        -2063.95        -542.87      299667.35
 133        -2060.21        -546.61      299120.74
 134        -2056.46        -550.36      298570.38
 135        -2052.67        -554.15      298016.23
 136        -2048.86        -557.96      297458.27
 137        -2045.03        -561.79      296896.48
Summary for: 2010:
  Interest  Paid: -24787.81
  Principal Paid: -6494.03
  Year Ending Balance: 296896.48
  Sum of Interest Paid: -307040.19
Pmt *       Interest      Principal        Balance
 138        -2041.16        -565.66      296330.82
 139        -2037.27        -569.55      295761.27
 140        -2033.36        -573.46      295187.81
 141        -2029.42        -577.40      294610.41
 142        -2025.45        -581.37      294029.04
 143        -2021.45        -585.37      293443.67
 144        -2017.43        -589.39      292854.28
 145        -2013.37        -593.45      292260.83
 146        -2009.29        -597.53      291663.30
 147        -2005.19        -601.63      291061.67
 148        -2001.05        -605.77      290455.90
 149        -1996.88        -609.94      289845.96
Summary for: 2011:
  Interest  Paid: -24231.32
  Principal Paid: -7050.52
  Year Ending Balance: 289845.96
  Sum of Interest Paid: -331271.51
Pmt *       Interest      Principal        Balance
 150        -1992.69        -614.13      289231.83
 151        -1988.47        -618.35      288613.48
 152        -1984.22        -622.60      287990.88
 153        -1979.94        -626.88      287364.00
 154        -1975.63        -631.19      286732.81
 155        -1971.29        -635.53      286097.28
 156        -1966.92        -639.90      285457.38
 157        -1962.52        -644.30      284813.08
 158        -1958.09        -648.73      284164.35
 159        -1953.63        -653.19      283511.16
 160        -1949.14        -657.68      282853.48
 161        -1944.62        -662.20      282191.28
Summary for: 2012:
  Interest  Paid: -23627.16
  Principal Paid: -7654.68
  Year Ending Balance: 282191.28
  Sum of Interest Paid: -354898.67
Pmt *       Interest      Principal        Balance
 162        -1940.07        -666.75      281524.53
 163        -1935.48        -671.34      280853.19
 164        -1930.87        -675.95      280177.24
 165        -1926.22        -680.60      279496.64
 166        -1921.54        -685.28      278811.36
 167        -1916.83        -689.99      278121.37
 168        -1912.08        -694.74      277426.63
 169        -1907.31        -699.51      276727.12
 170        -1902.50        -704.32      276022.80
 171        -1897.66        -709.16      275313.64
 172        -1892.78        -714.04      274599.60
 173        -1887.87        -718.95      273880.65
Summary for: 2013:
  Interest  Paid: -22971.21
  Principal Paid: -8310.63
  Year Ending Balance: 273880.65
  Sum of Interest Paid: -377869.88
Pmt *       Interest      Principal        Balance
 174        -1882.93        -723.89      273156.76
 175        -1877.95        -728.87      272427.89
 176        -1872.94        -733.88      271694.01
 177        -1867.90        -738.92      270955.09
 178        -1862.82        -744.00      270211.09
 179        -1857.70        -749.12      269461.97
 180        -1852.55        -754.27      268707.70
 181        -1847.37        -759.45      267948.25
 182        -1842.14        -764.68      267183.57
 183        -1836.89        -769.93      266413.64
 184        -1831.59        -775.23      265638.41
 185        -1826.26        -780.56      264857.85
Summary for: 2014:
  Interest  Paid: -22259.04
  Principal Paid: -9022.80
  Year Ending Balance: 264857.85
  Sum of Interest Paid: -400128.92
Pmt *       Interest      Principal        Balance
 186        -1820.90        -785.92      264071.93
 187        -1815.49        -791.33      263280.60
 188        -1810.05        -796.77      262483.83
 189        -1804.58        -802.24      261681.59
 190        -1799.06        -807.76      260873.83
 191        -1793.51        -813.31      260060.52
 192        -1787.92        -818.90      259241.62
 193        -1782.29        -824.53      258417.09
 194        -1776.62        -830.20      257586.89
 195        -1770.91        -835.91      256750.98
 196        -1765.16        -841.66      255909.32
 197        -1759.38        -847.44      255061.88
Summary for: 2015:
  Interest  Paid: -21485.87
  Principal Paid: -9795.97
  Year Ending Balance: 255061.88
  Sum of Interest Paid: -421614.79
Pmt *       Interest      Principal        Balance
 198        -1753.55        -853.27      254208.61
 199        -1747.68        -859.14      253349.47
 200        -1741.78        -865.04      252484.43
 201        -1735.83        -870.99      251613.44
 202        -1729.84        -876.98      250736.46
 203        -1723.81        -883.01      249853.45
 204        -1717.74        -889.08      248964.37
 205        -1711.63        -895.19      248069.18
 206        -1705.48        -901.34      247167.84
 207        -1699.28        -907.54      246260.30
 208        -1693.04        -913.78      245346.52
 209        -1686.76        -920.06      244426.46
Summary for: 2016:
  Interest  Paid: -20646.42
  Principal Paid: -10635.42
  Year Ending Balance: 244426.46
  Sum of Interest Paid: -442261.21
Pmt *       Interest      Principal        Balance
 210        -1680.43        -926.39      243500.07
 211        -1674.06        -932.76      242567.31
 212        -1667.65        -939.17      241628.14
 213        -1661.19        -945.63      240682.51
 214        -1654.69        -952.13      239730.38
 215        -1648.15        -958.67      238771.71
 216        -1641.56        -965.26      237806.45
 217        -1634.92        -971.90      236834.55
 218        -1628.24        -978.58      235855.97
 219        -1621.51        -985.31      234870.66
 220        -1614.74        -992.08      233878.58
 221        -1607.92        -998.90      232879.68
Summary for: 2017:
  Interest  Paid: -19735.06
  Principal Paid: -11546.78
  Year Ending Balance: 232879.68
  Sum of Interest Paid: -461996.27
Pmt *       Interest      Principal        Balance
 222        -1601.05       -1005.77      231873.91
 223        -1594.13       -1012.69      230861.22
 224        -1587.17       -1019.65      229841.57
 225        -1580.16       -1026.66      228814.91
 226        -1573.10       -1033.72      227781.19
 227        -1566.00       -1040.82      226740.37
 228        -1558.84       -1047.98      225692.39
 229        -1551.64       -1055.18      224637.21
 230        -1544.38       -1062.44      223574.77
 231        -1537.08       -1069.74      222505.03
 232        -1529.72       -1077.10      221427.93
 233        -1522.32       -1084.50      220343.43
Summary for: 2018:
  Interest  Paid: -18745.59
  Principal Paid: -12536.25
  Year Ending Balance: 220343.43
  Sum of Interest Paid: -480741.86
Pmt *       Interest      Principal        Balance
 234        -1514.86       -1091.96      219251.47
 235        -1507.35       -1099.47      218152.00
 236        -1499.80       -1107.02      217044.98
 237        -1492.18       -1114.64      215930.34
 238        -1484.52       -1122.30      214808.04
 239        -1476.81       -1130.01      213678.03
 240        -1469.04       -1137.78      212540.25
 241        -1461.21       -1145.61      211394.64
 242        -1453.34       -1153.48      210241.16
 243        -1445.41       -1161.41      209079.75
 244        -1437.42       -1169.40      207910.35
 245        -1429.38       -1177.44      206732.91
Summary for: 2019:
  Interest  Paid: -17671.32
  Principal Paid: -13610.52
  Year Ending Balance: 206732.91
  Sum of Interest Paid: -498413.18
Pmt *       Interest      Principal        Balance
 246        -1421.29       -1185.53      205547.38
 247        -1413.14       -1193.68      204353.70
 248        -1404.93       -1201.89      203151.81
 249        -1396.67       -1210.15      201941.66
 250        -1388.35       -1218.47      200723.19
 251        -1379.97       -1226.85      199496.34
 252        -1371.54       -1235.28      198261.06
 253        -1363.04       -1243.78      197017.28
 254        -1354.49       -1252.33      195764.95
 255        -1345.88       -1260.94      194504.01
 256        -1337.22       -1269.60      193234.41
 257        -1328.49       -1278.33      191956.08
Summary for: 2020:
  Interest  Paid: -16505.01
  Principal Paid: -14776.83
  Year Ending Balance: 191956.08
  Sum of Interest Paid: -514918.19
Pmt *       Interest      Principal        Balance
 258        -1319.70       -1287.12      190668.96
 259        -1310.85       -1295.97      189372.99
 260        -1301.94       -1304.88      188068.11
 261        -1292.97       -1313.85      186754.26
 262        -1283.94       -1322.88      185431.38
 263        -1274.84       -1331.98      184099.40
 264        -1265.68       -1341.14      182758.26
 265        -1256.46       -1350.36      181407.90
 266        -1247.18       -1359.64      180048.26
 267        -1237.83       -1368.99      178679.27
 268        -1228.42       -1378.40      177300.87
 269        -1218.94       -1387.88      175912.99
Summary for: 2021:
  Interest  Paid: -15238.75
  Principal Paid: -16043.09
  Year Ending Balance: 175912.99
  Sum of Interest Paid: -530156.94
Pmt *       Interest      Principal        Balance
 270        -1209.40       -1397.42      174515.57
 271        -1199.79       -1407.03      173108.54
 272        -1190.12       -1416.70      171691.84
 273        -1180.38       -1426.44      170265.40
 274        -1170.57       -1436.25      168829.15
 275        -1160.70       -1446.12      167383.03
 276        -1150.76       -1456.06      165926.97
 277        -1140.75       -1466.07      164460.90
 278        -1130.67       -1476.15      162984.75
 279        -1120.52       -1486.30      161498.45
 280        -1110.30       -1496.52      160001.93
 281        -1100.01       -1506.81      158495.12
Summary for: 2022:
  Interest  Paid: -13863.97
  Principal Paid: -17417.87
  Year Ending Balance: 158495.12
  Sum of Interest Paid: -544020.91
Pmt *       Interest      Principal        Balance
 282        -1089.65       -1517.17      156977.95
 283        -1079.22       -1527.60      155450.35
 284        -1068.72       -1538.10      153912.25
 285        -1058.15       -1548.67      152363.58
 286        -1047.50       -1559.32      150804.26
 287        -1036.78       -1570.04      149234.22
 288        -1025.99       -1580.83      147653.39
 289        -1015.12       -1591.70      146061.69
 290        -1004.17       -1602.65      144459.04
 291         -993.16       -1613.66      142845.38
 292         -982.06       -1624.76      141220.62
 293         -970.89       -1635.93      139584.69
Summary for: 2023:
  Interest  Paid: -12371.41
  Principal Paid: -18910.43
  Year Ending Balance: 139584.69
  Sum of Interest Paid: -556392.32
Pmt *       Interest      Principal        Balance
 294         -959.64       -1647.18      137937.51
 295         -948.32       -1658.50      136279.01
 296         -936.92       -1669.90      134609.11
 297         -925.44       -1681.38      132927.73
 298         -913.88       -1692.94      131234.79
 299         -902.24       -1704.58      129530.21
 300         -890.52       -1716.30      127813.91
 301         -878.72       -1728.10      126085.81
 302         -866.84       -1739.98      124345.83
 303         -854.88       -1751.94      122593.89
 304         -842.83       -1763.99      120829.90
 305         -830.71       -1776.11      119053.79
Summary for: 2024:
  Interest  Paid: -10750.94
  Principal Paid: -20530.90
  Year Ending Balance: 119053.79
  Sum of Interest Paid: -567143.26
Pmt *       Interest      Principal        Balance
 306         -818.49       -1788.33      117265.46
 307         -806.20       -1800.62      115464.84
 308         -793.82       -1813.00      113651.84
 309         -781.36       -1825.46      111826.38
 310         -768.81       -1838.01      109988.37
 311         -756.17       -1850.65      108137.72
 312         -743.45       -1863.37      106274.35
 313         -730.64       -1876.18      104398.17
 314         -717.74       -1889.08      102509.09
 315         -704.75       -1902.07      100607.02
 316         -691.67       -1915.15       98691.87
 317         -678.51       -1928.31       96763.56
Summary for: 2025:
  Interest  Paid: -8991.61
  Principal Paid: -22290.23
  Year Ending Balance: 96763.56
  Sum of Interest Paid: -576134.87
Pmt *       Interest      Principal        Balance
 318         -665.25       -1941.57       94821.99
 319         -651.90       -1954.92       92867.07
 320         -638.46       -1968.36       90898.71
 321         -624.93       -1981.89       88916.82
 322         -611.30       -1995.52       86921.30
 323         -597.58       -2009.24       84912.06
 324         -583.77       -2023.05       82889.01
 325         -569.86       -2036.96       80852.05
 326         -555.86       -2050.96       78801.09
 327         -541.76       -2065.06       76736.03
 328         -527.56       -2079.26       74656.77
 329         -513.27       -2093.55       72563.22
Summary for: 2026:
  Interest  Paid: -7081.50
  Principal Paid: -24200.34
  Year Ending Balance: 72563.22
  Sum of Interest Paid: -583216.37
Pmt *       Interest      Principal        Balance
 330         -498.87       -2107.95       70455.27
 331         -484.38       -2122.44       68332.83
 332         -469.79       -2137.03       66195.80
 333         -455.10       -2151.72       64044.08
 334         -440.30       -2166.52       61877.56
 335         -425.41       -2181.41       59696.15
 336         -410.41       -2196.41       57499.74
 337         -395.31       -2211.51       55288.23
 338         -380.11       -2226.71       53061.52
 339         -364.80       -2242.02       50819.50
 340         -349.38       -2257.44       48562.06
 341         -333.86       -2272.96       46289.10
Summary for: 2027:
  Interest  Paid: -5007.72
  Principal Paid: -26274.12
  Year Ending Balance: 46289.10
  Sum of Interest Paid: -588224.09
Pmt *       Interest      Principal        Balance
 342         -318.24       -2288.58       44000.52
 343         -302.50       -2304.32       41696.20
 344         -286.66       -2320.16       39376.04
 345         -270.71       -2336.11       37039.93
 346         -254.65       -2352.17       34687.76
 347         -238.48       -2368.34       32319.42
 348         -222.20       -2384.62       29934.80
 349         -205.80       -2401.02       27533.78
 350         -189.29       -2417.53       25116.25
 351         -172.67       -2434.15       22682.10
 352         -155.94       -2450.88       20231.22
 353         -139.09       -2467.73       17763.49
Summary for: 2028:
  Interest  Paid: -2756.23
  Principal Paid: -28525.61
  Year Ending Balance: 17763.49
  Sum of Interest Paid: -590980.32
Pmt *       Interest      Principal        Balance
 354         -122.12       -2484.70       15278.79
 355         -105.04       -2501.78       12777.01
 356          -87.84       -2518.98       10258.03
 357          -70.52       -2536.30        7721.73
 358          -53.09       -2553.73        5168.00
 359          -35.53       -2571.29        2596.71
Final Payment: -2614.56
 360          -17.85       -2596.71          -0.00
Summary for: 2029:
  Interest  Paid: -491.99
  Principal Paid: -17763.49
  Year Ending Balance: 0.00
  Sum of Interest Paid: -591472.31

Total Interest: -591472.31


Seventh Schedule - use new payments due to delay and
output variable prepayment schedule
Amortization Table
Effective       Date: Tue Jun 15 00:00:00 1999
Initial Payment Date: Sun Aug  1 00:00:00 1999
Compounding Frequency per year: 12
Payment     Frequency per year: 12
Compounding: Discrete
Payments: End of Period
Payments (359): -2606.82
Final payment (360): -2614.23
Nominal Annual Interest Rate: 8.25
  Effective Interest Rate Per Payment Period: 0.006875
Present Value: 345725.00
Interest due to Delayed Intial Payment: -1265.63
Advanced Prepayment Amortization - Variable Prepayment
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
   1      -2385.56      -221.26      -222.78     -2829.60    346546.59
   2      -2382.51      -224.31      -225.85     -2832.67    346096.43
   3      -2379.41      -227.41      -228.97     -2835.79    345640.05
   4      -2376.28      -230.54      -232.13     -2838.95    345177.38
   5      -2373.09      -233.73      -235.33     -2842.15    344708.32
Summary for: 1999:
  Interest  Paid: -11896.85
  Principal Paid: 344705.19
  Year Ending Balance: 344708.32
  Sum of Interest Paid: -11896.85
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
   6      -2369.87      -236.95      -238.58     -2845.40    344232.79
   7      -2366.60      -240.22      -241.87     -2848.69    343750.70
   8      -2363.29      -243.53      -245.21     -2852.03    343261.96
   9      -2359.93      -246.89      -248.59     -2855.41    342766.48
  10      -2356.52      -250.30      -252.02     -2858.84    342264.16
  11      -2353.07      -253.75      -255.50     -2862.32    341754.91
  12      -2349.57      -257.25      -259.02     -2865.84    341238.64
  13      -2346.02      -260.80      -262.60     -2869.42    340715.24
  14      -2342.42      -264.40      -266.22     -2873.04    340184.62
  15      -2338.77      -268.05      -269.89     -2876.71    339646.68
  16      -2335.07      -271.75      -273.62     -2880.44    339101.31
  17      -2331.32      -275.50      -277.39     -2884.21    338548.42
Summary for: 2000:
  Interest  Paid: -28212.45
  Principal Paid: -6159.90
  Year Ending Balance: 338548.42
  Sum of Interest Paid: -40109.30
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  18      -2327.52      -279.30      -281.22     -2888.04    337987.90
  19      -2323.67      -283.15      -285.10     -2891.92    337419.65
  20      -2319.76      -287.06      -289.03     -2895.85    336843.56
  21      -2315.80      -291.02      -293.02     -2899.84    336259.52
  22      -2311.78      -295.04      -297.06     -2903.88    335667.42
  23      -2307.71      -299.11      -301.16     -2907.98    335067.15
  24      -2303.59      -303.23      -305.32     -2912.14    334458.60
  25      -2299.40      -307.42      -309.53     -2916.35    333841.65
  26      -2295.16      -311.66      -313.80     -2920.62    333216.19
  27      -2290.86      -315.96      -318.13     -2924.95    332582.10
  28      -2286.50      -320.32      -322.52     -2929.34    331939.26
  29      -2282.08      -324.74      -326.97     -2933.79    331287.55
Summary for: 2001:
  Interest  Paid: -27663.83
  Principal Paid: -7260.87
  Year Ending Balance: 331287.55
  Sum of Interest Paid: -67773.13
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  30      -2277.60      -329.22      -331.48     -2938.30    330626.85
  31      -2273.06      -333.76      -336.06     -2942.88    329957.03
  32      -2268.45      -338.37      -340.69     -2947.51    329277.97
  33      -2263.79      -343.03      -345.39     -2952.21    328589.55
  34      -2259.05      -347.77      -350.16     -2956.98    327891.62
  35      -2254.25      -352.57      -354.99     -2961.81    327184.06
  36      -2249.39      -357.43      -359.89     -2966.71    326466.74
  37      -2244.46      -362.36      -364.85     -2971.67    325739.53
  38      -2239.46      -367.36      -369.89     -2976.71    325002.28
  39      -2234.39      -372.43      -374.99     -2981.81    324254.86
  40      -2229.25      -377.57      -380.16     -2986.98    323497.13
  41      -2224.04      -382.78      -385.41     -2992.23    322728.94
Summary for: 2002:
  Interest  Paid: -27017.19
  Principal Paid: -8558.61
  Year Ending Balance: 322728.94
  Sum of Interest Paid: -94790.32
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  42      -2218.76      -388.06      -390.73     -2997.55    321950.15
  43      -2213.41      -393.41      -396.12     -3002.94    321160.62
  44      -2207.98      -398.84      -401.58     -3008.40    320360.20
  45      -2202.48      -404.34      -407.12     -3013.94    319548.74
  46      -2196.90      -409.92      -412.74     -3019.56    318726.08
  47      -2191.24      -415.58      -418.44     -3025.26    317892.06
  48      -2185.51      -421.31      -424.21     -3031.03    317046.54
  49      -2179.69      -427.13      -430.06     -3036.88    316189.35
  50      -2173.80      -433.02      -436.00     -3042.82    315320.33
  51      -2167.83      -438.99      -442.01     -3048.83    314439.33
  52      -2161.77      -445.05      -448.11     -3054.93    313546.17
  53      -2155.63      -451.19      -454.29     -3061.11    312640.69
Summary for: 2003:
  Interest  Paid: -26255.00
  Principal Paid: -10088.25
  Year Ending Balance: 312640.69
  Sum of Interest Paid: -121045.32
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  54      -2149.40      -457.42      -460.56     -3067.38    311722.71
  55      -2143.09      -463.73      -466.91     -3073.73    310792.07
  56      -2136.70      -470.12      -473.36     -3080.18    309848.59
  57      -2130.21      -476.61      -479.89     -3086.71    308892.09
  58      -2123.63      -483.19      -486.51     -3093.33    307922.39
  59      -2116.97      -489.85      -493.22     -3100.04    306939.32
  60      -2110.21      -496.61      -500.03     -3106.85    305942.68
  61      -2103.36      -503.46      -506.93     -3113.75    304932.29
  62      -2096.41      -510.41      -513.92     -3120.74    303907.96
  63      -2089.37      -517.45      -521.01     -3127.83    302869.50
  64      -2082.23      -524.59      -528.20     -3135.02    301816.71
  65      -2074.99      -531.83      -535.49     -3142.31    300749.39
Summary for: 2004:
  Interest  Paid: -25356.57
  Principal Paid: -11891.30
  Year Ending Balance: 300749.39
  Sum of Interest Paid: -146401.89
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  66      -2067.65      -539.17      -542.87     -3149.69    299667.35
  67      -2060.21      -546.61      -550.36     -3157.18    298570.38
  68      -2052.67      -554.15      -557.96     -3164.78    297458.27
  69      -2045.03      -561.79      -565.66     -3172.48    296330.82
  70      -2037.27      -569.55      -573.46     -3180.28    295187.81
  71      -2029.42      -577.40      -581.37     -3188.19    294029.04
  72      -2021.45      -585.37      -589.39     -3196.21    292854.28
  73      -2013.37      -593.45      -597.53     -3204.35    291663.30
  74      -2005.19      -601.63      -605.77     -3212.59    290455.90
  75      -1996.88      -609.94      -614.13     -3220.95    289231.83
  76      -1988.47      -618.35      -622.60     -3229.42    287990.88
  77      -1979.94      -626.88      -631.19     -3238.01    286732.81
Summary for: 2005:
  Interest  Paid: -24297.55
  Principal Paid: -14016.58
  Year Ending Balance: 286732.81
  Sum of Interest Paid: -170699.44
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  78      -1971.29      -635.53      -639.90     -3246.72    285457.38
  79      -1962.52      -644.30      -648.73     -3255.55    284164.35
  80      -1953.63      -653.19      -657.68     -3264.50    282853.48
  81      -1944.62      -662.20      -666.75     -3273.57    281524.53
  82      -1935.48      -671.34      -675.95     -3282.77    280177.24
  83      -1926.22      -680.60      -685.28     -3292.10    278811.36
  84      -1916.83      -689.99      -694.74     -3301.56    277426.63
  85      -1907.31      -699.51      -704.32     -3311.14    276022.80
  86      -1897.66      -709.16      -714.04     -3320.86    274599.60
  87      -1887.87      -718.95      -723.89     -3330.71    273156.76
  88      -1877.95      -728.87      -733.88     -3340.70    271694.01
  89      -1867.90      -738.92      -744.00     -3350.82    270211.09
Summary for: 2006:
  Interest  Paid: -23049.28
  Principal Paid: -16521.72
  Year Ending Balance: 270211.09
  Sum of Interest Paid: -193748.72
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  90      -1857.70      -749.12      -754.27     -3361.09    268707.70
  91      -1847.37      -759.45      -764.68     -3371.50    267183.57
  92      -1836.89      -769.93      -775.23     -3382.05    265638.41
  93      -1826.26      -780.56      -785.92     -3392.74    264071.93
  94      -1815.49      -791.33      -796.77     -3403.59    262483.83
  95      -1804.58      -802.24      -807.76     -3414.58    260873.83
  96      -1793.51      -813.31      -818.90     -3425.72    259241.62
  97      -1782.29      -824.53      -830.20     -3437.02    257586.89
  98      -1770.91      -835.91      -841.66     -3448.48    255909.32
  99      -1759.38      -847.44      -853.27     -3460.09    254208.61
 100      -1747.68      -859.14      -865.04     -3471.86    252484.43
 101      -1735.83      -870.99      -876.98     -3483.80    250736.46
Summary for: 2007:
  Interest  Paid: -21577.89
  Principal Paid: -19474.63
  Year Ending Balance: 250736.46
  Sum of Interest Paid: -215326.61
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 102      -1723.81      -883.01      -889.08     -3495.90    248964.37
 103      -1711.63      -895.19      -901.34     -3508.16    247167.84
 104      -1699.28      -907.54      -913.78     -3520.60    245346.52
 105      -1686.76      -920.06      -926.39     -3533.21    243500.07
 106      -1674.06      -932.76      -939.17     -3545.99    241628.14
 107      -1661.19      -945.63      -952.13     -3558.95    239730.38
 108      -1648.15      -958.67      -965.26     -3572.08    237806.45
 109      -1634.92      -971.90      -978.58     -3585.40    235855.97
 110      -1621.51      -985.31      -992.08     -3598.90    233878.58
 111      -1607.92      -998.90     -1005.77     -3612.59    231873.91
 112      -1594.13     -1012.69     -1019.65     -3626.47    229841.57
 113      -1580.16     -1026.66     -1033.72     -3640.54    227781.19
Summary for: 2008:
  Interest  Paid: -19843.52
  Principal Paid: -22955.27
  Year Ending Balance: 227781.19
  Sum of Interest Paid: -235170.13
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 114      -1566.00     -1040.82     -1047.98     -3654.80    225692.39
 115      -1551.64     -1055.18     -1062.44     -3669.26    223574.77
 116      -1537.08     -1069.74     -1077.10     -3683.92    221427.93
 117      -1522.32     -1084.50     -1091.96     -3698.78    219251.47
 118      -1507.35     -1099.47     -1107.03     -3713.85    217044.97
 119      -1492.18     -1114.64     -1122.30     -3729.12    214808.03
 120      -1476.81     -1130.01     -1137.78     -3744.60    212540.24
 121      -1461.21     -1145.61     -1153.48     -3760.30    210241.15
 122      -1445.41     -1161.41     -1169.40     -3776.22    207910.34
 123      -1429.38     -1177.44     -1185.53     -3792.35    205547.37
 124      -1413.14     -1193.68     -1201.89     -3808.71    203151.80
 125      -1396.67     -1210.15     -1218.47     -3825.29    200723.18
Summary for: 2009:
  Interest  Paid: -17799.19
  Principal Paid: -27058.01
  Year Ending Balance: 200723.18
  Sum of Interest Paid: -252969.32
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 126      -1379.97     -1226.85     -1235.28     -3842.10    198261.05
 127      -1363.04     -1243.78     -1252.33     -3859.15    195764.94
 128      -1345.88     -1260.94     -1269.61     -3876.43    193234.39
 129      -1328.49     -1278.33     -1287.12     -3893.94    190668.94
 130      -1310.85     -1295.97     -1304.88     -3911.70    188068.09
 131      -1292.97     -1313.85     -1322.88     -3929.70    185431.36
 132      -1274.84     -1331.98     -1341.14     -3947.96    182758.24
 133      -1256.46     -1350.36     -1359.64     -3966.46    180048.24
 134      -1237.83     -1368.99     -1378.40     -3985.22    177300.85
 135      -1218.94     -1387.88     -1397.42     -4004.24    174515.55
 136      -1199.79     -1407.03     -1416.70     -4023.52    171691.82
 137      -1180.38     -1426.44     -1436.25     -4043.07    168829.13
Summary for: 2010:
  Interest  Paid: -15389.44
  Principal Paid: -31894.05
  Year Ending Balance: 168829.13
  Sum of Interest Paid: -268358.76
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 138      -1160.70     -1446.12     -1456.06     -4062.88    165926.95
 139      -1140.75     -1466.07     -1476.15     -4082.97    162984.73
 140      -1120.52     -1486.30     -1496.52     -4103.34    160001.91
 141      -1100.01     -1506.81     -1517.17     -4123.99    156977.93
 142      -1079.22     -1527.60     -1538.10     -4144.92    153912.23
 143      -1058.15     -1548.67     -1559.32     -4166.14    150804.24
 144      -1036.78     -1570.04     -1580.83     -4187.65    147653.37
 145      -1015.12     -1591.70     -1602.65     -4209.47    144459.02
 146       -993.16     -1613.66     -1624.76     -4231.58    141220.60
 147       -970.89     -1635.93     -1647.18     -4254.00    137937.49
 148       -948.32     -1658.50     -1669.90     -4276.72    134609.09
 149       -925.44     -1681.38     -1692.94     -4299.76    131234.77
Summary for: 2011:
  Interest  Paid: -12549.06
  Principal Paid: -37594.36
  Year Ending Balance: 131234.77
  Sum of Interest Paid: -280907.82
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 150       -902.24     -1704.58     -1716.30     -4323.12    127813.89
 151       -878.72     -1728.10     -1739.98     -4346.80    124345.81
 152       -854.88     -1751.94     -1763.99     -4370.81    120829.88
 153       -830.71     -1776.11     -1788.33     -4395.15    117265.44
 154       -806.20     -1800.62     -1813.00     -4419.82    113651.82
 155       -781.36     -1825.46     -1838.01     -4444.83    109988.35
 156       -756.17     -1850.65     -1863.37     -4470.19    106274.33
 157       -730.64     -1876.18     -1889.08     -4495.90    102509.07
 158       -704.75     -1902.07     -1915.15     -4521.97     98691.85
 159       -678.51     -1928.31     -1941.57     -4548.39     94821.97
 160       -651.90     -1954.92     -1968.36     -4575.18     90898.69
 161       -624.93     -1981.89     -1995.52     -4602.34     86921.28
Summary for: 2012:
  Interest  Paid: -9201.01
  Principal Paid: -44313.49
  Year Ending Balance: 86921.28
  Sum of Interest Paid: -290108.83
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 162       -597.58     -2009.24     -2023.05     -4629.87     82888.99
 163       -569.86     -2036.96     -2050.96     -4657.78     78801.07
 164       -541.76     -2065.06     -2079.26     -4686.08     74656.75
 165       -513.27     -2093.55     -2107.95     -4714.77     70455.25
 166       -484.38     -2122.44     -2137.03     -4743.85     66195.78
 167       -455.10     -2151.72     -2166.52     -4773.34     61877.54
 168       -425.41     -2181.41     -2196.41     -4803.23     57499.72
 169       -395.31     -2211.51     -2226.71     -4833.53     53061.50
 170       -364.80     -2242.02     -2257.44     -4864.26     48562.04
 171       -333.86     -2272.96     -2288.58     -4895.40     44000.50
 172       -302.50     -2304.32     -2320.16     -4926.98     39376.02
 173       -270.71     -2336.11     -2352.17     -4958.99     34687.74
Summary for: 2013:
  Interest  Paid: -5254.54
  Principal Paid: -52233.54
  Year Ending Balance: 34687.74
  Sum of Interest Paid: -295363.37
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 174       -238.48     -2368.34     -2384.62     -4991.44     29934.78
 175       -205.80     -2401.02     -2417.53     -5024.35     25116.23
 176       -172.67     -2434.15     -2450.88     -5057.70     20231.20
 177       -139.09     -2467.73     -2484.70     -5091.52     15278.77
 178       -105.04     -2501.78     -2518.98     -5125.80     10258.01
 179        -70.52     -2536.30     -2553.73     -5160.55      5167.98
 180        -35.53     -2571.29     -2588.97     -5195.79         7.72
 181         -0.05        -7.72         0.00        -7.77         0.00
Summary for: 2014:
  Interest  Paid: -967.18
  Principal Paid: -34687.74
  Year Ending Balance: 0.00
  Sum of Interest Paid: -296330.55

Total Interest: -296330.55


Eighth Schedule - use new payments due to delay and
output fixed prepayment schedule
Amortization Table
Effective       Date: Tue Jun 15 00:00:00 1999
Initial Payment Date: Sun Aug  1 00:00:00 1999
Compounding Frequency per year: 12
Payment     Frequency per year: 12
Compounding: Discrete
Payments: End of Period
Payments (359): -2606.82
Final payment (360): -2614.23
Nominal Annual Interest Rate: 8.25
  Effective Interest Rate Per Payment Period: 0.006875
Present Value: 345725.00
Interest due to Delayed Intial Payment: -1265.63
Advanced Prepayment Amortization - Fixed Prepayment: -400.00
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
   1      -2385.56      -221.26      -400.00     -3006.82    346369.37
   2      -2381.29      -225.53      -400.00     -3006.82    345743.84
   3      -2376.99      -229.83      -400.00     -3006.82    345114.01
   4      -2372.66      -234.16      -400.00     -3006.82    344479.85
   5      -2368.30      -238.52      -400.00     -3006.82    343841.33
Summary for: 1999:
  Interest  Paid: -11884.80
  Principal Paid: 343838.20
  Year Ending Balance: 343841.33
  Sum of Interest Paid: -11884.80
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
   6      -2363.91      -242.91      -400.00     -3006.82    343198.42
   7      -2359.49      -247.33      -400.00     -3006.82    342551.09
   8      -2355.04      -251.78      -400.00     -3006.82    341899.31
   9      -2350.56      -256.26      -400.00     -3006.82    341243.05
  10      -2346.05      -260.77      -400.00     -3006.82    340582.28
  11      -2341.50      -265.32      -400.00     -3006.82    339916.96
  12      -2336.93      -269.89      -400.00     -3006.82    339247.07
  13      -2332.32      -274.50      -400.00     -3006.82    338572.57
  14      -2327.69      -279.13      -400.00     -3006.82    337893.44
  15      -2323.02      -283.80      -400.00     -3006.82    337209.64
  16      -2318.32      -288.50      -400.00     -3006.82    336521.14
  17      -2313.58      -293.24      -400.00     -3006.82    335827.90
Summary for: 2000:
  Interest  Paid: -28068.41
  Principal Paid: -8013.43
  Year Ending Balance: 335827.90
  Sum of Interest Paid: -39953.21
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  18      -2308.82      -298.00      -400.00     -3006.82    335129.90
  19      -2304.02      -302.80      -400.00     -3006.82    334427.10
  20      -2299.19      -307.63      -400.00     -3006.82    333719.47
  21      -2294.32      -312.50      -400.00     -3006.82    333006.97
  22      -2289.42      -317.40      -400.00     -3006.82    332289.57
  23      -2284.49      -322.33      -400.00     -3006.82    331567.24
  24      -2279.52      -327.30      -400.00     -3006.82    330839.94
  25      -2274.52      -332.30      -400.00     -3006.82    330107.64
  26      -2269.49      -337.33      -400.00     -3006.82    329370.31
  27      -2264.42      -342.40      -400.00     -3006.82    328627.91
  28      -2259.32      -347.50      -400.00     -3006.82    327880.41
  29      -2254.18      -352.64      -400.00     -3006.82    327127.77
Summary for: 2001:
  Interest  Paid: -27381.71
  Principal Paid: -8700.13
  Year Ending Balance: 327127.77
  Sum of Interest Paid: -67334.92
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  30      -2249.00      -357.82      -400.00     -3006.82    326369.95
  31      -2243.79      -363.03      -400.00     -3006.82    325606.92
  32      -2238.55      -368.27      -400.00     -3006.82    324838.65
  33      -2233.27      -373.55      -400.00     -3006.82    324065.10
  34      -2227.95      -378.87      -400.00     -3006.82    323286.23
  35      -2222.59      -384.23      -400.00     -3006.82    322502.00
  36      -2217.20      -389.62      -400.00     -3006.82    321712.38
  37      -2211.77      -395.05      -400.00     -3006.82    320917.33
  38      -2206.31      -400.51      -400.00     -3006.82    320116.82
  39      -2200.80      -406.02      -400.00     -3006.82    319310.80
  40      -2195.26      -411.56      -400.00     -3006.82    318499.24
  41      -2189.68      -417.14      -400.00     -3006.82    317682.10
Summary for: 2002:
  Interest  Paid: -26636.17
  Principal Paid: -9445.67
  Year Ending Balance: 317682.10
  Sum of Interest Paid: -93971.09
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  42      -2184.06      -422.76      -400.00     -3006.82    316859.34
  43      -2178.41      -428.41      -400.00     -3006.82    316030.93
  44      -2172.71      -434.11      -400.00     -3006.82    315196.82
  45      -2166.98      -439.84      -400.00     -3006.82    314356.98
  46      -2161.20      -445.62      -400.00     -3006.82    313511.36
  47      -2155.39      -451.43      -400.00     -3006.82    312659.93
  48      -2149.54      -457.28      -400.00     -3006.82    311802.65
  49      -2143.64      -463.18      -400.00     -3006.82    310939.47
  50      -2137.71      -469.11      -400.00     -3006.82    310070.36
  51      -2131.73      -475.09      -400.00     -3006.82    309195.27
  52      -2125.72      -481.10      -400.00     -3006.82    308314.17
  53      -2119.66      -487.16      -400.00     -3006.82    307427.01
Summary for: 2003:
  Interest  Paid: -25826.75
  Principal Paid: -10255.09
  Year Ending Balance: 307427.01
  Sum of Interest Paid: -119797.84
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  54      -2113.56      -493.26      -400.00     -3006.82    306533.75
  55      -2107.42      -499.40      -400.00     -3006.82    305634.35
  56      -2101.24      -505.58      -400.00     -3006.82    304728.77
  57      -2095.01      -511.81      -400.00     -3006.82    303816.96
  58      -2088.74      -518.08      -400.00     -3006.82    302898.88
  59      -2082.43      -524.39      -400.00     -3006.82    301974.49
  60      -2076.07      -530.75      -400.00     -3006.82    301043.74
  61      -2069.68      -537.14      -400.00     -3006.82    300106.60
  62      -2063.23      -543.59      -400.00     -3006.82    299163.01
  63      -2056.75      -550.07      -400.00     -3006.82    298212.94
  64      -2050.21      -556.61      -400.00     -3006.82    297256.33
  65      -2043.64      -563.18      -400.00     -3006.82    296293.15
Summary for: 2004:
  Interest  Paid: -24947.98
  Principal Paid: -11133.86
  Year Ending Balance: 296293.15
  Sum of Interest Paid: -144745.82
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  66      -2037.02      -569.80      -400.00     -3006.82    295323.35
  67      -2030.35      -576.47      -400.00     -3006.82    294346.88
  68      -2023.63      -583.19      -400.00     -3006.82    293363.69
  69      -2016.88      -589.94      -400.00     -3006.82    292373.75
  70      -2010.07      -596.75      -400.00     -3006.82    291377.00
  71      -2003.22      -603.60      -400.00     -3006.82    290373.40
  72      -1996.32      -610.50      -400.00     -3006.82    289362.90
  73      -1989.37      -617.45      -400.00     -3006.82    288345.45
  74      -1982.37      -624.45      -400.00     -3006.82    287321.00
  75      -1975.33      -631.49      -400.00     -3006.82    286289.51
  76      -1968.24      -638.58      -400.00     -3006.82    285250.93
  77      -1961.10      -645.72      -400.00     -3006.82    284205.21
Summary for: 2005:
  Interest  Paid: -23993.90
  Principal Paid: -12087.94
  Year Ending Balance: 284205.21
  Sum of Interest Paid: -168739.72
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  78      -1953.91      -652.91      -400.00     -3006.82    283152.30
  79      -1946.67      -660.15      -400.00     -3006.82    282092.15
  80      -1939.38      -667.44      -400.00     -3006.82    281024.71
  81      -1932.04      -674.78      -400.00     -3006.82    279949.93
  82      -1924.66      -682.16      -400.00     -3006.82    278867.77
  83      -1917.22      -689.60      -400.00     -3006.82    277778.17
  84      -1909.72      -697.10      -400.00     -3006.82    276681.07
  85      -1902.18      -704.64      -400.00     -3006.82    275576.43
  86      -1894.59      -712.23      -400.00     -3006.82    274464.20
  87      -1886.94      -719.88      -400.00     -3006.82    273344.32
  88      -1879.24      -727.58      -400.00     -3006.82    272216.74
  89      -1871.49      -735.33      -400.00     -3006.82    271081.41
Summary for: 2006:
  Interest  Paid: -22958.04
  Principal Paid: -13123.80
  Year Ending Balance: 271081.41
  Sum of Interest Paid: -191697.76
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
  90      -1863.68      -743.14      -400.00     -3006.82    269938.27
  91      -1855.83      -750.99      -400.00     -3006.82    268787.28
  92      -1847.91      -758.91      -400.00     -3006.82    267628.37
  93      -1839.95      -766.87      -400.00     -3006.82    266461.50
  94      -1831.92      -774.90      -400.00     -3006.82    265286.60
  95      -1823.85      -782.97      -400.00     -3006.82    264103.63
  96      -1815.71      -791.11      -400.00     -3006.82    262912.52
  97      -1807.52      -799.30      -400.00     -3006.82    261713.22
  98      -1799.28      -807.54      -400.00     -3006.82    260505.68
  99      -1790.98      -815.84      -400.00     -3006.82    259289.84
 100      -1782.62      -824.20      -400.00     -3006.82    258065.64
 101      -1774.20      -832.62      -400.00     -3006.82    256833.02
Summary for: 2007:
  Interest  Paid: -21833.45
  Principal Paid: -14248.39
  Year Ending Balance: 256833.02
  Sum of Interest Paid: -213531.21
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 102      -1765.73      -841.09      -400.00     -3006.82    255591.93
 103      -1757.19      -849.63      -400.00     -3006.82    254342.30
 104      -1748.60      -858.22      -400.00     -3006.82    253084.08
 105      -1739.95      -866.87      -400.00     -3006.82    251817.21
 106      -1731.24      -875.58      -400.00     -3006.82    250541.63
 107      -1722.47      -884.35      -400.00     -3006.82    249257.28
 108      -1713.64      -893.18      -400.00     -3006.82    247964.10
 109      -1704.75      -902.07      -400.00     -3006.82    246662.03
 110      -1695.80      -911.02      -400.00     -3006.82    245351.01
 111      -1686.79      -920.03      -400.00     -3006.82    244030.98
 112      -1677.71      -929.11      -400.00     -3006.82    242701.87
 113      -1668.58      -938.24      -400.00     -3006.82    241363.63
Summary for: 2008:
  Interest  Paid: -20612.45
  Principal Paid: -15469.39
  Year Ending Balance: 241363.63
  Sum of Interest Paid: -234143.66
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 114      -1659.37      -947.45      -400.00     -3006.82    240016.18
 115      -1650.11      -956.71      -400.00     -3006.82    238659.47
 116      -1640.78      -966.04      -400.00     -3006.82    237293.43
 117      -1631.39      -975.43      -400.00     -3006.82    235918.00
 118      -1621.94      -984.88      -400.00     -3006.82    234533.12
 119      -1612.42      -994.40      -400.00     -3006.82    233138.72
 120      -1602.83     -1003.99      -400.00     -3006.82    231734.73
 121      -1593.18     -1013.64      -400.00     -3006.82    230321.09
 122      -1583.46     -1023.36      -400.00     -3006.82    228897.73
 123      -1573.67     -1033.15      -400.00     -3006.82    227464.58
 124      -1563.82     -1043.00      -400.00     -3006.82    226021.58
 125      -1553.90     -1052.92      -400.00     -3006.82    224568.66
Summary for: 2009:
  Interest  Paid: -19286.87
  Principal Paid: -16794.97
  Year Ending Balance: 224568.66
  Sum of Interest Paid: -253430.53
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 126      -1543.91     -1062.91      -400.00     -3006.82    223105.75
 127      -1533.85     -1072.97      -400.00     -3006.82    221632.78
 128      -1523.73     -1083.09      -400.00     -3006.82    220149.69
 129      -1513.53     -1093.29      -400.00     -3006.82    218656.40
 130      -1503.26     -1103.56      -400.00     -3006.82    217152.84
 131      -1492.93     -1113.89      -400.00     -3006.82    215638.95
 132      -1482.52     -1124.30      -400.00     -3006.82    214114.65
 133      -1472.04     -1134.78      -400.00     -3006.82    212579.87
 134      -1461.49     -1145.33      -400.00     -3006.82    211034.54
 135      -1450.86     -1155.96      -400.00     -3006.82    209478.58
 136      -1440.17     -1166.65      -400.00     -3006.82    207911.93
 137      -1429.39     -1177.43      -400.00     -3006.82    206334.50
Summary for: 2010:
  Interest  Paid: -17847.68
  Principal Paid: -18234.16
  Year Ending Balance: 206334.50
  Sum of Interest Paid: -271278.21
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 138      -1418.55     -1188.27      -400.00     -3006.82    204746.23
 139      -1407.63     -1199.19      -400.00     -3006.82    203147.04
 140      -1396.64     -1210.18      -400.00     -3006.82    201536.86
 141      -1385.57     -1221.25      -400.00     -3006.82    199915.61
 142      -1374.42     -1232.40      -400.00     -3006.82    198283.21
 143      -1363.20     -1243.62      -400.00     -3006.82    196639.59
 144      -1351.90     -1254.92      -400.00     -3006.82    194984.67
 145      -1340.52     -1266.30      -400.00     -3006.82    193318.37
 146      -1329.06     -1277.76      -400.00     -3006.82    191640.61
 147      -1317.53     -1289.29      -400.00     -3006.82    189951.32
 148      -1305.92     -1300.90      -400.00     -3006.82    188250.42
 149      -1294.22     -1312.60      -400.00     -3006.82    186537.82
Summary for: 2011:
  Interest  Paid: -16285.16
  Principal Paid: -19796.68
  Year Ending Balance: 186537.82
  Sum of Interest Paid: -287563.37
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 150      -1282.45     -1324.37      -400.00     -3006.82    184813.45
 151      -1270.59     -1336.23      -400.00     -3006.82    183077.22
 152      -1258.66     -1348.16      -400.00     -3006.82    181329.06
 153      -1246.64     -1360.18      -400.00     -3006.82    179568.88
 154      -1234.54     -1372.28      -400.00     -3006.82    177796.60
 155      -1222.35     -1384.47      -400.00     -3006.82    176012.13
 156      -1210.08     -1396.74      -400.00     -3006.82    174215.39
 157      -1197.73     -1409.09      -400.00     -3006.82    172406.30
 158      -1185.29     -1421.53      -400.00     -3006.82    170584.77
 159      -1172.77     -1434.05      -400.00     -3006.82    168750.72
 160      -1160.16     -1446.66      -400.00     -3006.82    166904.06
 161      -1147.47     -1459.35      -400.00     -3006.82    165044.71
Summary for: 2012:
  Interest  Paid: -14588.73
  Principal Paid: -21493.11
  Year Ending Balance: 165044.71
  Sum of Interest Paid: -302152.10
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 162      -1134.68     -1472.14      -400.00     -3006.82    163172.57
 163      -1121.81     -1485.01      -400.00     -3006.82    161287.56
 164      -1108.85     -1497.97      -400.00     -3006.82    159389.59
 165      -1095.80     -1511.02      -400.00     -3006.82    157478.57
 166      -1082.67     -1524.15      -400.00     -3006.82    155554.42
 167      -1069.44     -1537.38      -400.00     -3006.82    153617.04
 168      -1056.12     -1550.70      -400.00     -3006.82    151666.34
 169      -1042.71     -1564.11      -400.00     -3006.82    149702.23
 170      -1029.20     -1577.62      -400.00     -3006.82    147724.61
 171      -1015.61     -1591.21      -400.00     -3006.82    145733.40
 172      -1001.92     -1604.90      -400.00     -3006.82    143728.50
 173       -988.13     -1618.69      -400.00     -3006.82    141709.81
Summary for: 2013:
  Interest  Paid: -12746.94
  Principal Paid: -23334.90
  Year Ending Balance: 141709.81
  Sum of Interest Paid: -314899.04
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 174       -974.25     -1632.57      -400.00     -3006.82    139677.24
 175       -960.28     -1646.54      -400.00     -3006.82    137630.70
 176       -946.21     -1660.61      -400.00     -3006.82    135570.09
 177       -932.04     -1674.78      -400.00     -3006.82    133495.31
 178       -917.78     -1689.04      -400.00     -3006.82    131406.27
 179       -903.42     -1703.40      -400.00     -3006.82    129302.87
 180       -888.96     -1717.86      -400.00     -3006.82    127185.01
 181       -874.40     -1732.42      -400.00     -3006.82    125052.59
 182       -859.74     -1747.08      -400.00     -3006.82    122905.51
 183       -844.98     -1761.84      -400.00     -3006.82    120743.67
 184       -830.11     -1776.71      -400.00     -3006.82    118566.96
 185       -815.15     -1791.67      -400.00     -3006.82    116375.29
Summary for: 2014:
  Interest  Paid: -10747.32
  Principal Paid: -25334.52
  Year Ending Balance: 116375.29
  Sum of Interest Paid: -325646.36
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 186       -800.08     -1806.74      -400.00     -3006.82    114168.55
 187       -784.91     -1821.91      -400.00     -3006.82    111946.64
 188       -769.63     -1837.19      -400.00     -3006.82    109709.45
 189       -754.25     -1852.57      -400.00     -3006.82    107456.88
 190       -738.77     -1868.05      -400.00     -3006.82    105188.83
 191       -723.17     -1883.65      -400.00     -3006.82    102905.18
 192       -707.47     -1899.35      -400.00     -3006.82    100605.83
 193       -691.67     -1915.15      -400.00     -3006.82     98290.68
 194       -675.75     -1931.07      -400.00     -3006.82     95959.61
 195       -659.72     -1947.10      -400.00     -3006.82     93612.51
 196       -643.59     -1963.23      -400.00     -3006.82     91249.28
 197       -627.34     -1979.48      -400.00     -3006.82     88869.80
Summary for: 2015:
  Interest  Paid: -8576.35
  Principal Paid: -27505.49
  Year Ending Balance: 88869.80
  Sum of Interest Paid: -334222.71
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 198       -610.98     -1995.84      -400.00     -3006.82     86473.96
 199       -594.51     -2012.31      -400.00     -3006.82     84061.65
 200       -577.92     -2028.90      -400.00     -3006.82     81632.75
 201       -561.23     -2045.59      -400.00     -3006.82     79187.16
 202       -544.41     -2062.41      -400.00     -3006.82     76724.75
 203       -527.48     -2079.34      -400.00     -3006.82     74245.41
 204       -510.44     -2096.38      -400.00     -3006.82     71749.03
 205       -493.27     -2113.55      -400.00     -3006.82     69235.48
 206       -475.99     -2130.83      -400.00     -3006.82     66704.65
 207       -458.59     -2148.23      -400.00     -3006.82     64156.42
 208       -441.08     -2165.74      -400.00     -3006.82     61590.68
 209       -423.44     -2183.38      -400.00     -3006.82     59007.30
Summary for: 2016:
  Interest  Paid: -6219.34
  Principal Paid: -29862.50
  Year Ending Balance: 59007.30
  Sum of Interest Paid: -340442.05
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 210       -405.68     -2201.14      -400.00     -3006.82     56406.16
 211       -387.79     -2219.03      -400.00     -3006.82     53787.13
 212       -369.79     -2237.03      -400.00     -3006.82     51150.10
 213       -351.66     -2255.16      -400.00     -3006.82     48494.94
 214       -333.40     -2273.42      -400.00     -3006.82     45821.52
 215       -315.02     -2291.80      -400.00     -3006.82     43129.72
 216       -296.52     -2310.30      -400.00     -3006.82     40419.42
 217       -277.88     -2328.94      -400.00     -3006.82     37690.48
 218       -259.12     -2347.70      -400.00     -3006.82     34942.78
 219       -240.23     -2366.59      -400.00     -3006.82     32176.19
 220       -221.21     -2385.61      -400.00     -3006.82     29390.58
 221       -202.06     -2404.76      -400.00     -3006.82     26585.82
Summary for: 2017:
  Interest  Paid: -3660.36
  Principal Paid: -32421.48
  Year Ending Balance: 26585.82
  Sum of Interest Paid: -344102.41
Pmt *     Interest    Principal       Prepay    Total Pmt      Balance
 222       -182.78     -2424.04      -400.00     -3006.82     23761.78
 223       -163.36     -2443.46      -400.00     -3006.82     20918.32
 224       -143.81     -2463.01      -400.00     -3006.82     18055.31
 225       -124.13     -2482.69      -400.00     -3006.82     15172.62
 226       -104.31     -2502.51      -400.00     -3006.82     12270.11
 227        -84.36     -2522.46      -400.00     -3006.82      9347.65
 228        -64.27     -2542.55      -400.00     -3006.82      6405.10
 229        -44.04     -2562.78      -400.00     -3006.82      3442.32
 230        -23.67     -2583.15      -400.00     -3006.82       459.17
 231         -3.16      -459.17         0.00      -462.33         0.00
Summary for: 2018:
  Interest  Paid: -937.89
  Principal Paid: -26585.82
  Year Ending Balance: 0.00
  Sum of Interest Paid: -345040.30

Total Interest: -345040.30
