"LOAN MONTHLY PAYMENTS AND AMORTIZATION SCHEDULE"

Program Description:

"Loan Amortization" is a spreadsheet program written in MS-Excel for the purpose of determining the monthly
payments (principal and interest) for a loan, as well as developing a complete amortization schedule for the
given loan. The ability to input additional monthly uniform or varied/random direct principal payments is also
provided, as well as the ability to perform an analysis of up to four (4) different loan financing scenarios all at
one time.

This program is a workbook consisting of four (4) worksheets, described as follows:

Worksheet Name Description

Doc This documentation sheet
Loan Amort. (uniform payments) Loan amortization including extra uniform principal payments
Loan Amort. (random payments) Loan amortization including extra random or varied principal payments
Loan Comparison Analysis Loan comparison analysis for up to 4 financing scenarios

Notes on Program Usage:

1. The formula for determining monthly payments for a loan is as follows:

Pmt = (P*i*(1+i)^N)/((1+i)^N-1)
where: Pmt = monthly payment (principal & interest)
P = principal (loan amount financed)
APR = Annual Interest Rate (Example: 5% = 5/100 = 0.05)
i = Interest rate/month = APR/12 (Example: i = 5% APR/12 = 5/100/12 = 0.004167)
N = loan term (duration) in total number of months
2. In the "Loan Amort. (uniform payments)" worksheet, the user may input a single value of equal uniform
monthly extra payments to be applied directly to the principal of the loan. Doing this will result in both
shortening the duration to pay off the loan and reduce the total interest paid on the loan.
3. In the "Loan Amort. (random payments)" worksheet, the user may input directly into the "light yellow shaded"
cells of the table any random or varied monthly extra payments to be applied directly to the principal of the
loan. Again, doing this will result in both shortening the duration to pay off the loan and reduce the total
interest paid on the loan.
4. In the "Loan Comparison Analysis" worksheet, the user may compare up to four (4) different loan financing
scenarios, again with the flexibility of allowing the user to input a single value of equal uniform monthly extra
payments to be applied directly to the principal of any of the loan scenarios. In this worksheet, the user can
scroll the PC display to the right to view the complete solution and amortization table for all of the scenarios,
side by side.
5. In all three (3) calculation worksheets, the user input data cells are always shaded in "light yellow".
6. All of the worksheets are "protected", but NOT with a password.
7. All of the worksheets are totally independent and stand alone.
8. This program contains several comment boxes which contain a wide variety of information including
explanations of input or output items, equations used, data tables, etc. (Note: presence of a comment box
is denoted by a red triangle in the upper right-hand corner of a cell. Merely move the mouse pointer to the
desired cell to view the contents of that particular "comment box".)
 "Loan Amortization.xls" Program
Version 1.5

LOAN MONTHLY PAYMENTS AND AMORTIZATION SCHEDULE

Input Data:
Loan Start Date (M/D/Y) = January 1, 2007
Principal (Loan Amount) = $200,000.00
Loan Term (Duration) = 360 months
Interest Rate (APR) = 5.000%
Additional Uniform Payment = $0.00 / month
Results: 1073.6432460243
Monthly Payment = $1,073.64 (Principal & Interest only)
Total Interest = $186,511.57
Total Payout = $386,511.57 (Principal + Interest)

LOAN AMORTIZATION SCHEDULE

Payment Payment Monthly Interest Principal Additional Total Total Total Payout Current Loan
No. Date Payment Paid/Month Paid/Month Payment/Month Principal Paid Interest Paid (P & I + Add'l.) Balance
(P & I only) (exclud. Add'l.) (toward Principal) (to date) (to date) (to date) (to date)
1 1/1/07 $1,073.64 $833.33 $240.31 $0.00 $240.31 $833.33 $1,073.64 $199,759.69
2 2/1/07 1,073.64 832.33 241.31 - 481.62 1,665.67 2,147.29 199,518.38
3 3/1/07 1,073.64 831.33 242.32 - 723.94 2,496.99 3,220.93 199,276.06
4 4/1/07 1,073.64 830.32 243.33 - 967.26 3,327.31 4,294.57 199,032.74
5 5/1/07 1,073.64 829.30 244.34 - 1,211.60 4,156.61 5,368.22 198,788.40
6 6/1/07 1,073.64 828.28 245.36 - 1,456.96 4,984.90 6,441.86 198,543.04
7 7/1/07 1,073.64 827.26 246.38 - 1,703.34 5,812.16 7,515.50 198,296.66
8 8/1/07 1,073.64 826.24 247.41 - 1,950.75 6,638.40 8,589.15 198,049.25
9 9/1/07 1,073.64 825.21 248.44 - 2,199.19 7,463.60 9,662.79 197,800.81
10 10/1/07 1,073.64 824.17 249.47 - 2,448.66 8,287.77 10,736.43 197,551.34
11 11/1/07 1,073.64 823.13 250.51 - 2,699.17 9,110.90 11,810.08 197,300.83
12 12/1/07 1,073.64 822.09 251.56 - 2,950.73 9,932.99 12,883.72 197,049.27
13 1/1/08 1,073.64 821.04 252.60 - 3,203.34 10,754.03 13,957.36 196,796.66
14 2/1/08 1,073.64 819.99 253.66 - 3,456.99 11,574.01 15,031.01 196,543.01
15 3/1/08 1,073.64 818.93 254.71 - 3,711.71 12,392.94 16,104.65 196,288.29
16 4/1/08 1,073.64 817.87 255.78 - 3,967.48 13,210.81 17,178.29 196,032.52
17 5/1/08 1,073.64 816.80 256.84 - 4,224.32 14,027.61 18,251.94 195,775.68
18 6/1/08 1,073.64 815.73 257.91 - 4,482.23 14,843.34 19,325.58 195,517.77
19 7/1/08 1,073.64 814.66 258.99 - 4,741.22 15,658.00 20,399.22 195,258.78
20 8/1/08 1,073.64 813.58 260.06 - 5,001.29 16,471.58 21,472.86 194,998.71
21 9/1/08 1,073.64 812.49 261.15 - 5,262.43 17,284.07 22,546.51 194,737.57
22 10/1/08 1,073.64 811.41 262.24 - 5,524.67 18,095.48 23,620.15 194,475.33
23 11/1/08 1,073.64 810.31 263.33 - 5,788.00 18,905.79 24,693.79 194,212.00
24 12/1/08 1,073.64 809.22 264.43 - 6,052.43 19,715.01 25,767.44 193,947.57
25 1/1/09 1,073.64 808.11 265.53 - 6,317.95 20,523.13 26,841.08 193,682.05
26 2/1/09 1,073.64 807.01 266.63 - 6,584.59 21,330.13 27,914.72 193,415.41
27 3/1/09 1,073.64 805.90 267.75 - 6,852.34 22,136.03 28,988.37 193,147.66
28 4/1/09 1,073.64 804.78 268.86 - 7,121.20 22,940.81 30,062.01 192,878.80
29 5/1/09 1,073.64 803.66 269.98 - 7,391.18 23,744.48 31,135.65 192,608.82
30 6/1/09 1,073.64 802.54 271.11 - 7,662.28 24,547.01 32,209.30 192,337.72
31 7/1/09 1,073.64 801.41 272.24 - 7,934.52 25,348.42 33,282.94 192,065.48
32 8/1/09 1,073.64 800.27 273.37 - 8,207.89 26,148.69 34,356.58 191,792.11
33 9/1/09 1,073.64 799.13 274.51 - 8,482.40 26,947.83 35,430.23 191,517.60
34 10/1/09 1,073.64 797.99 275.65 - 8,758.05 27,745.82 36,503.87 191,241.95
35 11/1/09 1,073.64 796.84 276.80 - 9,034.86 28,542.66 37,577.51 190,965.14
36 12/1/09 1,073.64 795.69 277.96 - 9,312.81 29,338.35 38,651.16 190,687.19
37 1/1/10 1,073.64 794.53 279.11 - 9,591.92 30,132.88 39,724.80 190,408.08
38 2/1/10 1,073.64 793.37 280.28 - 9,872.20 30,926.24 40,798.44 190,127.80
39 3/1/10 1,073.64 792.20 281.44 - 10,153.64 31,718.44 41,872.09 189,846.36
40 4/1/10 1,073.64 791.03 282.62 - 10,436.26 32,509.47 42,945.73 189,563.74
41 5/1/10 1,073.64 789.85 283.79 - 10,720.06 33,299.32 44,019.37 189,279.94
42 6/1/10 1,073.64 788.67 284.98 - 11,005.03 34,087.98 45,093.02 188,994.97
43 7/1/10 1,073.64 787.48 286.16 - 11,291.20 34,875.46 46,166.66 188,708.80
44 8/1/10 1,073.64 786.29 287.36 - 11,578.55 35,661.75 47,240.30 188,421.45
45 9/1/10 1,073.64 785.09 288.55 - 11,867.11 36,446.84 48,313.95 188,132.89
46 10/1/10 1,073.64 783.89 289.76 - 12,156.86 37,230.73 49,387.59 187,843.14
47 11/1/10 1,073.64 782.68 290.96 - 12,447.83 38,013.41 50,461.23 187,552.17
48 12/1/10 1,073.64 781.47 292.18 - 12,740.00 38,794.87 51,534.88 187,260.00
49 1/1/11 1,073.64 780.25 293.39 - 13,033.40 39,575.12 52,608.52 186,966.60
50 2/1/11 1,073.64 779.03 294.62 - 13,328.01 40,354.15 53,682.16 186,671.99
51 3/1/11 1,073.64 777.80 295.84 - 13,623.85 41,131.95 54,755.81 186,376.15
52 4/1/11 1,073.64 776.57 297.08 - 13,920.93 41,908.52 55,829.45 186,079.07
53 5/1/11 1,073.64 775.33 298.31 - 14,219.24 42,683.85 56,903.09 185,780.76
54 6/1/11 1,073.64 774.09 299.56 - 14,518.80 43,457.93 57,976.74 185,481.20
55 7/1/11 1,073.64 772.84 300.80 - 14,819.61 44,230.77 59,050.38 185,180.39
56 8/1/11 1,073.64 771.58 302.06 - 15,121.66 45,002.36 60,124.02 184,878.34
57 9/1/11 1,073.64 770.33 303.32 - 15,424.98 45,772.68 61,197.67 184,575.02
58 10/1/11 1,073.64 769.06 304.58 - 15,729.56 46,541.75 62,271.31 184,270.44
59 11/1/11 1,073.64 767.79 305.85 - 16,035.41 47,309.54 63,344.95 183,964.59
60 12/1/11 1,073.64 766.52 307.12 - 16,342.54 48,076.06 64,418.59 183,657.46

3 of 16 04/04/2017 08:27:15
 "Loan Amortization.xls" Program
Version 1.5

LOAN MONTHLY PAYMENTS AND AMORTIZATION SCHEDULE

Input Data:
Loan Start Date (M/D/Y) = January 1, 2007
Principal (Loan Amount) = $200,000.00
Loan Term (Duration) = 360 months
Interest Rate (APR) = 5.000%
Additional Uniform Payment = $0.00 / month
Results: 1073.6432460243
Monthly Payment = $1,073.64 (Principal & Interest only)
Total Interest = $186,511.57
Total Payout = $386,511.57 (Principal + Interest)

LOAN AMORTIZATION SCHEDULE

Payment Payment Monthly Interest Principal Additional Total Total Total Payout Current Loan
No. Date Payment Paid/Month Paid/Month Payment/Month Principal Paid Interest Paid (P & I + Add'l.) Balance
(P & I only) (exclud. Add'l.) (toward Principal) (to date) (to date) (to date) (to date)
61 1/1/12 1,073.64 765.24 308.40 - 16,650.94 48,841.30 65,492.24 183,349.06
62 2/1/12 1,073.64 763.95 309.69 - 16,960.63 49,605.25 66,565.88 183,039.37
63 3/1/12 1,073.64 762.66 310.98 - 17,271.61 50,367.92 67,639.52 182,728.39
64 4/1/12 1,073.64 761.37 312.27 - 17,583.88 51,129.29 68,713.17 182,416.12
65 5/1/12 1,073.64 760.07 313.58 - 17,897.46 51,889.35 69,786.81 182,102.54
66 6/1/12 1,073.64 758.76 314.88 - 18,212.34 52,648.11 70,860.45 181,787.66
67 7/1/12 1,073.64 757.45 316.19 - 18,528.54 53,405.56 71,934.10 181,471.46
68 8/1/12 1,073.64 756.13 317.51 - 18,846.05 54,161.69 73,007.74 181,153.95
69 9/1/12 1,073.64 754.81 318.84 - 19,164.88 54,916.50 74,081.38 180,835.12
70 10/1/12 1,073.64 753.48 320.16 - 19,485.05 55,669.98 75,155.03 180,514.95
71 11/1/12 1,073.64 752.15 321.50 - 19,806.54 56,422.13 76,228.67 180,193.46
72 12/1/12 1,073.64 750.81 322.84 - 20,129.38 57,172.93 77,302.31 179,870.62
73 1/1/13 1,073.64 749.46 324.18 - 20,453.56 57,922.39 78,375.96 179,546.44
74 2/1/13 1,073.64 748.11 325.53 - 20,779.10 58,670.50 79,449.60 179,220.90
75 3/1/13 1,073.64 746.75 326.89 - 21,105.99 59,417.26 80,523.24 178,894.01
76 4/1/13 1,073.64 745.39 328.25 - 21,434.24 60,162.65 81,596.89 178,565.76
77 5/1/13 1,073.64 744.02 329.62 - 21,763.86 60,906.67 82,670.53 178,236.14
78 6/1/13 1,073.64 742.65 330.99 - 22,094.85 61,649.32 83,744.17 177,905.15
79 7/1/13 1,073.64 741.27 332.37 - 22,427.22 62,390.59 84,817.82 177,572.78
80 8/1/13 1,073.64 739.89 333.76 - 22,760.98 63,130.48 85,891.46 177,239.02
81 9/1/13 1,073.64 738.50 335.15 - 23,096.13 63,868.98 86,965.10 176,903.87
82 10/1/13 1,073.64 737.10 336.54 - 23,432.67 64,606.08 88,038.75 176,567.33
83 11/1/13 1,073.64 735.70 337.95 - 23,770.62 65,341.77 89,112.39 176,229.38
84 12/1/13 1,073.64 734.29 339.35 - 24,109.97 66,076.06 90,186.03 175,890.03
85 1/1/14 1,073.64 732.88 340.77 - 24,450.74 66,808.94 91,259.68 175,549.26
86 2/1/14 1,073.64 731.46 342.19 - 24,792.93 67,540.39 92,333.32 175,207.07
87 3/1/14 1,073.64 730.03 343.61 - 25,136.54 68,270.42 93,406.96 174,863.46
88 4/1/14 1,073.64 728.60 345.05 - 25,481.59 68,999.02 94,480.61 174,518.41
89 5/1/14 1,073.64 727.16 346.48 - 25,828.07 69,726.18 95,554.25 174,171.93
90 6/1/14 1,073.64 725.72 347.93 - 26,176.00 70,451.90 96,627.89 173,824.00
91 7/1/14 1,073.64 724.27 349.38 - 26,525.37 71,176.16 97,701.54 173,474.63
92 8/1/14 1,073.64 722.81 350.83 - 26,876.20 71,898.97 98,775.18 173,123.80
93 9/1/14 1,073.64 721.35 352.29 - 27,228.50 72,620.32 99,848.82 172,771.50
94 10/1/14 1,073.64 719.88 353.76 - 27,582.26 73,340.21 100,922.47 172,417.74
95 11/1/14 1,073.64 718.41 355.24 - 27,937.50 74,058.61 101,996.11 172,062.50
96 12/1/14 1,073.64 716.93 356.72 - 28,294.21 74,775.54 103,069.75 171,705.79
97 1/1/15 1,073.64 715.44 358.20 - 28,652.41 75,490.98 104,143.39 171,347.59
98 2/1/15 1,073.64 713.95 359.69 - 29,012.11 76,204.93 105,217.04 170,987.89
99 3/1/15 1,073.64 712.45 361.19 - 29,373.30 76,917.38 106,290.68 170,626.70
100 4/1/15 1,073.64 710.94 362.70 - 29,736.00 77,628.32 107,364.32 170,264.00
101 5/1/15 1,073.64 709.43 364.21 - 30,100.21 78,337.76 108,437.97 169,899.79
102 6/1/15 1,073.64 707.92 365.73 - 30,465.94 79,045.67 109,511.61 169,534.06
103 7/1/15 1,073.64 706.39 367.25 - 30,833.19 79,752.06 110,585.25 169,166.81
104 8/1/15 1,073.64 704.86 368.78 - 31,201.97 80,456.93 111,658.90 168,798.03
105 9/1/15 1,073.64 703.33 370.32 - 31,572.29 81,160.25 112,732.54 168,427.71
106 10/1/15 1,073.64 701.78 371.86 - 31,944.15 81,862.03 113,806.18 168,055.85
107 11/1/15 1,073.64 700.23 373.41 - 32,317.56 82,562.27 114,879.83 167,682.44
108 12/1/15 1,073.64 698.68 374.97 - 32,692.53 83,260.94 115,953.47 167,307.47
109 1/1/16 1,073.64 697.11 376.53 - 33,069.06 83,958.06 117,027.11 166,930.94
110 2/1/16 1,073.64 695.55 378.10 - 33,447.15 84,653.60 118,100.76 166,552.85
111 3/1/16 1,073.64 693.97 379.67 - 33,826.83 85,347.57 119,174.40 166,173.17
112 4/1/16 1,073.64 692.39 381.26 - 34,208.08 86,039.96 120,248.04 165,791.92
113 5/1/16 1,073.64 690.80 382.84 - 34,590.93 86,730.76 121,321.69 165,409.07
114 6/1/16 1,073.64 689.20 384.44 - 34,975.37 87,419.96 122,395.33 165,024.63
115 7/1/16 1,073.64 687.60 386.04 - 35,361.41 88,107.57 123,468.97 164,638.59
116 8/1/16 1,073.64 685.99 387.65 - 35,749.06 88,793.56 124,542.62 164,250.94
117 9/1/16 1,073.64 684.38 389.26 - 36,138.32 89,477.94 125,616.26 163,861.68
118 10/1/16 1,073.64 682.76 390.89 - 36,529.21 90,160.70 126,689.90 163,470.79
119 11/1/16 1,073.64 681.13 392.51 - 36,921.72 90,841.83 127,763.55 163,078.28
120 12/1/16 1,073.64 679.49 394.15 - 37,315.87 91,521.32 128,837.19 162,684.13

4 of 16 04/04/2017 08:27:16
 "Loan Amortization.xls" Program
Version 1.5

LOAN MONTHLY PAYMENTS AND AMORTIZATION SCHEDULE

Input Data:
Loan Start Date (M/D/Y) = January 1, 2007
Principal (Loan Amount) = $200,000.00
Loan Term (Duration) = 360 months
Interest Rate (APR) = 5.000%
Additional Uniform Payment = $0.00 / month
Results: 1073.6432460243
Monthly Payment = $1,073.64 (Principal & Interest only)
Total Interest = $186,511.57
Total Payout = $386,511.57 (Principal + Interest)

LOAN AMORTIZATION SCHEDULE

Payment Payment Monthly Interest Principal Additional Total Total Total Payout Current Loan
No. Date Payment Paid/Month Paid/Month Payment/Month Principal Paid Interest Paid (P & I + Add'l.) Balance
(P & I only) (exclud. Add'l.) (toward Principal) (to date) (to date) (to date) (to date)
121 1/1/17 1,073.64 677.85 395.79 - 37,711.66 92,199.17 129,910.83 162,288.34
122 2/1/17 1,073.64 676.20 397.44 - 38,109.11 92,875.37 130,984.48 161,890.89
123 3/1/17 1,073.64 674.55 399.10 - 38,508.20 93,549.92 132,058.12 161,491.80
124 4/1/17 1,073.64 672.88 400.76 - 38,908.96 94,222.80 133,131.76 161,091.04
125 5/1/17 1,073.64 671.21 402.43 - 39,311.39 94,894.01 134,205.41 160,688.61
126 6/1/17 1,073.64 669.54 404.11 - 39,715.50 95,563.55 135,279.05 160,284.50
127 7/1/17 1,073.64 667.85 405.79 - 40,121.29 96,231.40 136,352.69 159,878.71
128 8/1/17 1,073.64 666.16 407.48 - 40,528.78 96,897.56 137,426.34 159,471.22
129 9/1/17 1,073.64 664.46 409.18 - 40,937.96 97,562.02 138,499.98 159,062.04
130 10/1/17 1,073.64 662.76 410.88 - 41,348.84 98,224.78 139,573.62 158,651.16
131 11/1/17 1,073.64 661.05 412.60 - 41,761.44 98,885.83 140,647.27 158,238.56
132 12/1/17 1,073.64 659.33 414.32 - 42,175.75 99,545.16 141,720.91 157,824.25
133 1/1/18 1,073.64 657.60 416.04 - 42,591.79 100,202.76 142,794.55 157,408.21
134 2/1/18 1,073.64 655.87 417.78 - 43,009.57 100,858.62 143,868.19 156,990.43
135 3/1/18 1,073.64 654.13 419.52 - 43,429.09 101,512.75 144,941.84 156,570.91
136 4/1/18 1,073.64 652.38 421.26 - 43,850.35 102,165.13 146,015.48 156,149.65
137 5/1/18 1,073.64 650.62 423.02 - 44,273.37 102,815.75 147,089.12 155,726.63
138 6/1/18 1,073.64 648.86 424.78 - 44,698.15 103,464.61 148,162.77 155,301.85
139 7/1/18 1,073.64 647.09 426.55 - 45,124.71 104,111.71 149,236.41 154,875.29
140 8/1/18 1,073.64 645.31 428.33 - 45,553.04 104,757.02 150,310.05 154,446.96
141 9/1/18 1,073.64 643.53 430.11 - 45,983.15 105,400.55 151,383.70 154,016.85
142 10/1/18 1,073.64 641.74 431.91 - 46,415.06 106,042.29 152,457.34 153,584.94
143 11/1/18 1,073.64 639.94 433.71 - 46,848.76 106,682.22 153,530.98 153,151.24
144 12/1/18 1,073.64 638.13 435.51 - 47,284.27 107,320.35 154,604.63 152,715.73
145 1/1/19 1,073.64 636.32 437.33 - 47,721.60 107,956.67 155,678.27 152,278.40
146 2/1/19 1,073.64 634.49 439.15 - 48,160.75 108,591.16 156,751.91 151,839.25
147 3/1/19 1,073.64 632.66 440.98 - 48,601.73 109,223.83 157,825.56 151,398.27
148 4/1/19 1,073.64 630.83 442.82 - 49,044.55 109,854.65 158,899.20 150,955.45
149 5/1/19 1,073.64 628.98 444.66 - 49,489.21 110,483.63 159,972.84 150,510.79
150 6/1/19 1,073.64 627.13 446.51 - 49,935.73 111,110.76 161,046.49 150,064.27
151 7/1/19 1,073.64 625.27 448.38 - 50,384.10 111,736.03 162,120.13 149,615.90
152 8/1/19 1,073.64 623.40 450.24 - 50,834.35 112,359.43 163,193.77 149,165.65
153 9/1/19 1,073.64 621.52 452.12 - 51,286.47 112,980.95 164,267.42 148,713.53
154 10/1/19 1,073.64 619.64 454.00 - 51,740.47 113,600.59 165,341.06 148,259.53
155 11/1/19 1,073.64 617.75 455.90 - 52,196.36 114,218.34 166,414.70 147,803.64
156 12/1/19 1,073.64 615.85 457.79 - 52,654.16 114,834.19 167,488.35 147,345.84
157 1/1/20 1,073.64 613.94 459.70 - 53,113.86 115,448.13 168,561.99 146,886.14
158 2/1/20 1,073.64 612.03 461.62 - 53,575.48 116,060.15 169,635.63 146,424.52
159 3/1/20 1,073.64 610.10 463.54 - 54,039.02 116,670.26 170,709.28 145,960.98
160 4/1/20 1,073.64 608.17 465.47 - 54,504.49 117,278.43 171,782.92 145,495.51
161 5/1/20 1,073.64 606.23 467.41 - 54,971.90 117,884.66 172,856.56 145,028.10
162 6/1/20 1,073.64 604.28 469.36 - 55,441.26 118,488.94 173,930.21 144,558.74
163 7/1/20 1,073.64 602.33 471.32 - 55,912.58 119,091.27 175,003.85 144,087.42
164 8/1/20 1,073.64 600.36 473.28 - 56,385.86 119,691.63 176,077.49 143,614.14
165 9/1/20 1,073.64 598.39 475.25 - 56,861.11 120,290.03 177,151.14 143,138.89
166 10/1/20 1,073.64 596.41 477.23 - 57,338.34 120,886.44 178,224.78 142,661.66
167 11/1/20 1,073.64 594.42 479.22 - 57,817.56 121,480.86 179,298.42 142,182.44
168 12/1/20 1,073.64 592.43 481.22 - 58,298.78 122,073.29 180,372.07 141,701.22
169 1/1/21 1,073.64 590.42 483.22 - 58,782.00 122,663.71 181,445.71 141,218.00
170 2/1/21 1,073.64 588.41 485.23 - 59,267.23 123,252.12 182,519.35 140,732.77
171 3/1/21 1,073.64 586.39 487.26 - 59,754.49 123,838.51 183,593.00 140,245.51
172 4/1/21 1,073.64 584.36 489.29 - 60,243.78 124,422.86 184,666.64 139,756.22
173 5/1/21 1,073.64 582.32 491.33 - 60,735.10 125,005.18 185,740.28 139,264.90
174 6/1/21 1,073.64 580.27 493.37 - 61,228.47 125,585.45 186,813.92 138,771.53
175 7/1/21 1,073.64 578.21 495.43 - 61,723.90 126,163.66 187,887.57 138,276.10
176 8/1/21 1,073.64 576.15 497.49 - 62,221.40 126,739.82 188,961.21 137,778.60
177 9/1/21 1,073.64 574.08 499.57 - 62,720.96 127,313.89 190,034.85 137,279.04
178 10/1/21 1,073.64 572.00 501.65 - 63,222.61 127,885.89 191,108.50 136,777.39
179 11/1/21 1,073.64 569.91 503.74 - 63,726.35 128,455.79 192,182.14 136,273.65
180 12/1/21 1,073.64 567.81 505.84 - 64,232.18 129,023.60 193,255.78 135,767.82

5 of 16 04/04/2017 08:27:16
 "Loan Amortization.xls" Program
Version 1.5

LOAN MONTHLY PAYMENTS AND AMORTIZATION SCHEDULE

Input Data:
Loan Start Date (M/D/Y) = January 1, 2007
Principal (Loan Amount) = $200,000.00
Loan Term (Duration) = 360 months
Interest Rate (APR) = 5.000%
Additional Uniform Payment = $0.00 / month
Results: 1073.6432460243
Monthly Payment = $1,073.64 (Principal & Interest only)
Total Interest = $186,511.57
Total Payout = $386,511.57 (Principal + Interest)

LOAN AMORTIZATION SCHEDULE

Payment Payment Monthly Interest Principal Additional Total Total Total Payout Current Loan
No. Date Payment Paid/Month Paid/Month Payment/Month Principal Paid Interest Paid (P & I + Add'l.) Balance
(P & I only) (exclud. Add'l.) (toward Principal) (to date) (to date) (to date) (to date)
181 1/1/22 1,073.64 565.70 507.94 - 64,740.13 129,589.30 194,329.43 135,259.87
182 2/1/22 1,073.64 563.58 510.06 - 65,250.19 130,152.88 195,403.07 134,749.81
183 3/1/22 1,073.64 561.46 512.19 - 65,762.37 130,714.34 196,476.71 134,237.63
184 4/1/22 1,073.64 559.32 514.32 - 66,276.69 131,273.66 197,550.36 133,723.31
185 5/1/22 1,073.64 557.18 516.46 - 66,793.16 131,830.85 198,624.00 133,206.84
186 6/1/22 1,073.64 555.03 518.61 - 67,311.77 132,385.87 199,697.64 132,688.23
187 7/1/22 1,073.64 552.87 520.78 - 67,832.55 132,938.74 200,771.29 132,167.45
188 8/1/22 1,073.64 550.70 522.95 - 68,355.49 133,489.44 201,844.93 131,644.51
189 9/1/22 1,073.64 548.52 525.12 - 68,880.62 134,037.96 202,918.57 131,119.38
190 10/1/22 1,073.64 546.33 527.31 - 69,407.93 134,584.29 203,992.22 130,592.07
191 11/1/22 1,073.64 544.13 529.51 - 69,937.44 135,128.42 205,065.86 130,062.56
192 12/1/22 1,073.64 541.93 531.72 - 70,469.15 135,670.35 206,139.50 129,530.85
193 1/1/23 1,073.64 539.71 533.93 - 71,003.09 136,210.06 207,213.15 128,996.91
194 2/1/23 1,073.64 537.49 536.16 - 71,539.24 136,747.55 208,286.79 128,460.76
195 3/1/23 1,073.64 535.25 538.39 - 72,077.63 137,282.80 209,360.43 127,922.37
196 4/1/23 1,073.64 533.01 540.63 - 72,618.26 137,815.81 210,434.08 127,381.74
197 5/1/23 1,073.64 530.76 542.89 - 73,161.15 138,346.57 211,507.72 126,838.85
198 6/1/23 1,073.64 528.50 545.15 - 73,706.30 138,875.06 212,581.36 126,293.70
199 7/1/23 1,073.64 526.22 547.42 - 74,253.72 139,401.29 213,655.01 125,746.28
200 8/1/23 1,073.64 523.94 549.70 - 74,803.42 139,925.23 214,728.65 125,196.58
201 9/1/23 1,073.64 521.65 551.99 - 75,355.41 140,446.88 215,802.29 124,644.59
202 10/1/23 1,073.64 519.35 554.29 - 75,909.70 140,966.24 216,875.94 124,090.30
203 11/1/23 1,073.64 517.04 556.60 - 76,466.30 141,483.28 217,949.58 123,533.70
204 12/1/23 1,073.64 514.72 558.92 - 77,025.22 141,998.00 219,023.22 122,974.78
205 1/1/24 1,073.64 512.39 561.25 - 77,586.47 142,510.40 220,096.87 122,413.53
206 2/1/24 1,073.64 510.06 563.59 - 78,150.06 143,020.45 221,170.51 121,849.94
207 3/1/24 1,073.64 507.71 565.94 - 78,715.99 143,528.16 222,244.15 121,284.01
208 4/1/24 1,073.64 505.35 568.29 - 79,284.28 144,033.51 223,317.80 120,715.72
209 5/1/24 1,073.64 502.98 570.66 - 79,854.94 144,536.49 224,391.44 120,145.06
210 6/1/24 1,073.64 500.60 573.04 - 80,427.98 145,037.10 225,465.08 119,572.02
211 7/1/24 1,073.64 498.22 575.43 - 81,003.41 145,535.31 226,538.72 118,996.59
212 8/1/24 1,073.64 495.82 577.82 - 81,581.23 146,031.13 227,612.37 118,418.77
213 9/1/24 1,073.64 493.41 580.23 - 82,161.47 146,524.55 228,686.01 117,838.53
214 10/1/24 1,073.64 490.99 582.65 - 82,744.12 147,015.54 229,759.65 117,255.88
215 11/1/24 1,073.64 488.57 585.08 - 83,329.19 147,504.11 230,833.30 116,670.81
216 12/1/24 1,073.64 486.13 587.51 - 83,916.71 147,990.23 231,906.94 116,083.29
217 1/1/25 1,073.64 483.68 589.96 - 84,506.67 148,473.91 232,980.58 115,493.33
218 2/1/25 1,073.64 481.22 592.42 - 85,099.09 148,955.14 234,054.23 114,900.91
219 3/1/25 1,073.64 478.75 594.89 - 85,693.98 149,433.89 235,127.87 114,306.02
220 4/1/25 1,073.64 476.28 597.37 - 86,291.35 149,910.17 236,201.51 113,708.65
221 5/1/25 1,073.64 473.79 599.86 - 86,891.21 150,383.95 237,275.16 113,108.79
222 6/1/25 1,073.64 471.29 602.36 - 87,493.56 150,855.24 238,348.80 112,506.44
223 7/1/25 1,073.64 468.78 604.87 - 88,098.43 151,324.01 239,422.44 111,901.57
224 8/1/25 1,073.64 466.26 607.39 - 88,705.82 151,790.27 240,496.09 111,294.18
225 9/1/25 1,073.64 463.73 609.92 - 89,315.73 152,254.00 241,569.73 110,684.27
226 10/1/25 1,073.64 461.18 612.46 - 89,928.19 152,715.18 242,643.37 110,071.81
227 11/1/25 1,073.64 458.63 615.01 - 90,543.20 153,173.81 243,717.02 109,456.80
228 12/1/25 1,073.64 456.07 617.57 - 91,160.78 153,629.88 244,790.66 108,839.22
229 1/1/26 1,073.64 453.50 620.15 - 91,780.92 154,083.38 245,864.30 108,219.08
230 2/1/26 1,073.64 450.91 622.73 - 92,403.65 154,534.29 246,937.95 107,596.35
231 3/1/26 1,073.64 448.32 625.33 - 93,028.98 154,982.61 248,011.59 106,971.02
232 4/1/26 1,073.64 445.71 627.93 - 93,656.91 155,428.32 249,085.23 106,343.09
233 5/1/26 1,073.64 443.10 630.55 - 94,287.46 155,871.42 250,158.88 105,712.54
234 6/1/26 1,073.64 440.47 633.17 - 94,920.63 156,311.89 251,232.52 105,079.37
235 7/1/26 1,073.64 437.83 635.81 - 95,556.44 156,749.72 252,306.16 104,443.56
236 8/1/26 1,073.64 435.18 638.46 - 96,194.90 157,184.90 253,379.81 103,805.10
237 9/1/26 1,073.64 432.52 641.12 - 96,836.03 157,617.42 254,453.45 103,163.97
238 10/1/26 1,073.64 429.85 643.79 - 97,479.82 158,047.27 255,527.09 102,520.18
239 11/1/26 1,073.64 427.17 646.48 - 98,126.30 158,474.44 256,600.74 101,873.70
240 12/1/26 1,073.64 424.47 649.17 - 98,775.46 158,898.91 257,674.38 101,224.54

6 of 16 04/04/2017 08:27:16
 "Loan Amortization.xls" Program
Version 1.5

LOAN MONTHLY PAYMENTS AND AMORTIZATION SCHEDULE

Input Data:
Loan Start Date (M/D/Y) = January 1, 2007
Principal (Loan Amount) = $200,000.00
Loan Term (Duration) = 360 months
Interest Rate (APR) = 5.000%
Additional Uniform Payment = $0.00 / month
Results: 1073.6432460243
Monthly Payment = $1,073.64 (Principal & Interest only)
Total Interest = $186,511.57
Total Payout = $386,511.57 (Principal + Interest)

LOAN AMORTIZATION SCHEDULE

Payment Payment Monthly Interest Principal Additional Total Total Total Payout Current Loan
No. Date Payment Paid/Month Paid/Month Payment/Month Principal Paid Interest Paid (P & I + Add'l.) Balance
(P & I only) (exclud. Add'l.) (toward Principal) (to date) (to date) (to date) (to date)
241 1/1/27 1,073.64 421.77 651.87 - 99,427.34 159,320.68 258,748.02 100,572.66
242 2/1/27 1,073.64 419.05 654.59 - 100,081.93 159,739.74 259,821.67 99,918.07
243 3/1/27 1,073.64 416.33 657.32 - 100,739.25 160,156.06 260,895.31 99,260.75
244 4/1/27 1,073.64 413.59 660.06 - 101,399.30 160,569.65 261,968.95 98,600.70
245 5/1/27 1,073.64 410.84 662.81 - 102,062.11 160,980.48 263,042.60 97,937.89
246 6/1/27 1,073.64 408.07 665.57 - 102,727.68 161,388.56 264,116.24 97,272.32
247 7/1/27 1,073.64 405.30 668.34 - 103,396.02 161,793.86 265,189.88 96,603.98
248 8/1/27 1,073.64 402.52 671.13 - 104,067.15 162,196.38 266,263.53 95,932.85
249 9/1/27 1,073.64 399.72 673.92 - 104,741.07 162,596.10 267,337.17 95,258.93
250 10/1/27 1,073.64 396.91 676.73 - 105,417.80 162,993.01 268,410.81 94,582.20
251 11/1/27 1,073.64 394.09 679.55 - 106,097.35 163,387.10 269,484.45 93,902.65
252 12/1/27 1,073.64 391.26 682.38 - 106,779.74 163,778.36 270,558.10 93,220.26
253 1/1/28 1,073.64 388.42 685.23 - 107,464.96 164,166.78 271,631.74 92,535.04
254 2/1/28 1,073.64 385.56 688.08 - 108,153.04 164,552.34 272,705.38 91,846.96
255 3/1/28 1,073.64 382.70 690.95 - 108,843.99 164,935.04 273,779.03 91,156.01
256 4/1/28 1,073.64 379.82 693.83 - 109,537.82 165,314.85 274,852.67 90,462.18
257 5/1/28 1,073.64 376.93 696.72 - 110,234.53 165,691.78 275,926.31 89,765.47
258 6/1/28 1,073.64 374.02 699.62 - 110,934.15 166,065.80 276,999.96 89,065.85
259 7/1/28 1,073.64 371.11 702.54 - 111,636.69 166,436.91 278,073.60 88,363.31
260 8/1/28 1,073.64 368.18 705.46 - 112,342.15 166,805.09 279,147.24 87,657.85
261 9/1/28 1,073.64 365.24 708.40 - 113,050.55 167,170.33 280,220.89 86,949.45
262 10/1/28 1,073.64 362.29 711.35 - 113,761.91 167,532.62 281,294.53 86,238.09
263 11/1/28 1,073.64 359.33 714.32 - 114,476.23 167,891.95 282,368.17 85,523.77
264 12/1/28 1,073.64 356.35 717.29 - 115,193.52 168,248.30 283,441.82 84,806.48
265 1/1/29 1,073.64 353.36 720.28 - 115,913.80 168,601.66 284,515.46 84,086.20
266 2/1/29 1,073.64 350.36 723.28 - 116,637.09 168,952.02 285,589.10 83,362.91
267 3/1/29 1,073.64 347.35 726.30 - 117,363.39 169,299.36 286,662.75 82,636.61
268 4/1/29 1,073.64 344.32 729.32 - 118,092.71 169,643.68 287,736.39 81,907.29
269 5/1/29 1,073.64 341.28 732.36 - 118,825.07 169,984.96 288,810.03 81,174.93
270 6/1/29 1,073.64 338.23 735.41 - 119,560.49 170,323.19 289,883.68 80,439.51
271 7/1/29 1,073.64 335.16 738.48 - 120,298.97 170,658.35 290,957.32 79,701.03
272 8/1/29 1,073.64 332.09 741.56 - 121,040.52 170,990.44 292,030.96 78,959.48
273 9/1/29 1,073.64 329.00 744.65 - 121,785.17 171,319.44 293,104.61 78,214.83
274 10/1/29 1,073.64 325.90 747.75 - 122,532.91 171,645.34 294,178.25 77,467.09
275 11/1/29 1,073.64 322.78 750.86 - 123,283.78 171,968.11 295,251.89 76,716.22
276 12/1/29 1,073.64 319.65 753.99 - 124,037.77 172,287.77 296,325.54 75,962.23
277 1/1/30 1,073.64 316.51 757.13 - 124,794.90 172,604.27 297,399.18 75,205.10
278 2/1/30 1,073.64 313.35 760.29 - 125,555.19 172,917.63 298,472.82 74,444.81
279 3/1/30 1,073.64 310.19 763.46 - 126,318.65 173,227.82 299,546.47 73,681.35
280 4/1/30 1,073.64 307.01 766.64 - 127,085.29 173,534.82 300,620.11 72,914.71
281 5/1/30 1,073.64 303.81 769.83 - 127,855.12 173,838.63 301,693.75 72,144.88
282 6/1/30 1,073.64 300.60 773.04 - 128,628.16 174,139.24 302,767.40 71,371.84
283 7/1/30 1,073.64 297.38 776.26 - 129,404.42 174,436.62 303,841.04 70,595.58
284 8/1/30 1,073.64 294.15 779.49 - 130,183.91 174,730.77 304,914.68 69,816.09
285 9/1/30 1,073.64 290.90 782.74 - 130,966.66 175,021.67 305,988.33 69,033.34
286 10/1/30 1,073.64 287.64 786.00 - 131,752.66 175,309.31 307,061.97 68,247.34
287 11/1/30 1,073.64 284.36 789.28 - 132,541.94 175,593.67 308,135.61 67,458.06
288 12/1/30 1,073.64 281.08 792.57 - 133,334.51 175,874.75 309,209.25 66,665.49
289 1/1/31 1,073.64 277.77 795.87 - 134,130.38 176,152.52 310,282.90 65,869.62
290 2/1/31 1,073.64 274.46 799.19 - 134,929.57 176,426.98 311,356.54 65,070.43
291 3/1/31 1,073.64 271.13 802.52 - 135,732.08 176,698.10 312,430.18 64,267.92
292 4/1/31 1,073.64 267.78 805.86 - 136,537.94 176,965.89 313,503.83 63,462.06
293 5/1/31 1,073.64 264.43 809.22 - 137,347.16 177,230.31 314,577.47 62,652.84
294 6/1/31 1,073.64 261.05 812.59 - 138,159.75 177,491.36 315,651.11 61,840.25
295 7/1/31 1,073.64 257.67 815.98 - 138,975.73 177,749.03 316,724.76 61,024.27
296 8/1/31 1,073.64 254.27 819.38 - 139,795.10 178,003.30 317,798.40 60,204.90
297 9/1/31 1,073.64 250.85 822.79 - 140,617.89 178,254.15 318,872.04 59,382.11
298 10/1/31 1,073.64 247.43 826.22 - 141,444.11 178,501.58 319,945.69 58,555.89
299 11/1/31 1,073.64 243.98 829.66 - 142,273.77 178,745.56 321,019.33 57,726.23
300 12/1/31 1,073.64 240.53 833.12 - 143,106.89 178,986.09 322,092.97 56,893.11

7 of 16 04/04/2017 08:27:16
 "Loan Amortization.xls" Program
Version 1.5

LOAN MONTHLY PAYMENTS AND AMORTIZATION SCHEDULE

Input Data:
Loan Start Date (M/D/Y) = January 1, 2007
Principal (Loan Amount) = $200,000.00
Loan Term (Duration) = 360 months
Interest Rate (APR) = 5.000%
Additional Uniform Payment = $0.00 / month
Results: 1073.6432460243
Monthly Payment = $1,073.64 (Principal & Interest only)
Total Interest = $186,511.57
Total Payout = $386,511.57 (Principal + Interest)

LOAN AMORTIZATION SCHEDULE

Payment Payment Monthly Interest Principal Additional Total Total Total Payout Current Loan
No. Date Payment Paid/Month Paid/Month Payment/Month Principal Paid Interest Paid (P & I + Add'l.) Balance
(P & I only) (exclud. Add'l.) (toward Principal) (to date) (to date) (to date) (to date)
301 1/1/32 1,073.64 237.05 836.59 - 143,943.47 179,223.14 323,166.62 56,056.53
302 2/1/32 1,073.64 233.57 840.07 - 144,783.55 179,456.71 324,240.26 55,216.45
303 3/1/32 1,073.64 230.07 843.57 - 145,627.12 179,686.78 325,313.90 54,372.88
304 4/1/32 1,073.64 226.55 847.09 - 146,474.21 179,913.33 326,387.55 53,525.79
305 5/1/32 1,073.64 223.02 850.62 - 147,324.83 180,136.36 327,461.19 52,675.17
306 6/1/32 1,073.64 219.48 854.16 - 148,179.00 180,355.84 328,534.83 51,821.00
307 7/1/32 1,073.64 215.92 857.72 - 149,036.72 180,571.76 329,608.48 50,963.28
308 8/1/32 1,073.64 212.35 861.30 - 149,898.01 180,784.11 330,682.12 50,101.99
309 9/1/32 1,073.64 208.76 864.88 - 150,762.90 180,992.86 331,755.76 49,237.10
310 10/1/32 1,073.64 205.15 868.49 - 151,631.39 181,198.02 332,829.41 48,368.61
311 11/1/32 1,073.64 201.54 872.11 - 152,503.50 181,399.55 333,903.05 47,496.50
312 12/1/32 1,073.64 197.90 875.74 - 153,379.24 181,597.46 334,976.69 46,620.76
313 1/1/33 1,073.64 194.25 879.39 - 154,258.63 181,791.71 336,050.34 45,741.37
314 2/1/33 1,073.64 190.59 883.05 - 155,141.68 181,982.30 337,123.98 44,858.32
315 3/1/33 1,073.64 186.91 886.73 - 156,028.41 182,169.21 338,197.62 43,971.59
316 4/1/33 1,073.64 183.21 890.43 - 156,918.84 182,352.42 339,271.27 43,081.16
317 5/1/33 1,073.64 179.50 894.14 - 157,812.98 182,531.93 340,344.91 42,187.02
318 6/1/33 1,073.64 175.78 897.86 - 158,710.85 182,707.71 341,418.55 41,289.15
319 7/1/33 1,073.64 172.04 901.61 - 159,612.45 182,879.75 342,492.20 40,387.55
320 8/1/33 1,073.64 168.28 905.36 - 160,517.81 183,048.03 343,565.84 39,482.19
321 9/1/33 1,073.64 164.51 909.13 - 161,426.95 183,212.54 344,639.48 38,573.05
322 10/1/33 1,073.64 160.72 912.92 - 162,339.87 183,373.26 345,713.13 37,660.13
323 11/1/33 1,073.64 156.92 916.73 - 163,256.59 183,530.17 346,786.77 36,743.41
324 12/1/33 1,073.64 153.10 920.55 - 164,177.14 183,683.27 347,860.41 35,822.86
325 1/1/34 1,073.64 149.26 924.38 - 165,101.52 183,832.53 348,934.05 34,898.48
326 2/1/34 1,073.64 145.41 928.23 - 166,029.75 183,977.94 350,007.70 33,970.25
327 3/1/34 1,073.64 141.54 932.10 - 166,961.85 184,119.49 351,081.34 33,038.15
328 4/1/34 1,073.64 137.66 935.98 - 167,897.84 184,257.15 352,154.98 32,102.16
329 5/1/34 1,073.64 133.76 939.88 - 168,837.72 184,390.90 353,228.63 31,162.28
330 6/1/34 1,073.64 129.84 943.80 - 169,781.52 184,520.75 354,302.27 30,218.48
331 7/1/34 1,073.64 125.91 947.73 - 170,729.26 184,646.66 355,375.91 29,270.74
332 8/1/34 1,073.64 121.96 951.68 - 171,680.94 184,768.62 356,449.56 28,319.06
333 9/1/34 1,073.64 118.00 955.65 - 172,636.59 184,886.62 357,523.20 27,363.41
334 10/1/34 1,073.64 114.01 959.63 - 173,596.21 185,000.63 358,596.84 26,403.79
335 11/1/34 1,073.64 110.02 963.63 - 174,559.84 185,110.65 359,670.49 25,440.16
336 12/1/34 1,073.64 106.00 967.64 - 175,527.48 185,216.65 360,744.13 24,472.52
337 1/1/35 1,073.64 101.97 971.67 - 176,499.16 185,318.61 361,817.77 23,500.84
338 2/1/35 1,073.64 97.92 975.72 - 177,474.88 185,416.53 362,891.42 22,525.12
339 3/1/35 1,073.64 93.85 979.79 - 178,454.67 185,510.39 363,965.06 21,545.33
340 4/1/35 1,073.64 89.77 983.87 - 179,438.54 185,600.16 365,038.70 20,561.46
341 5/1/35 1,073.64 85.67 987.97 - 180,426.51 185,685.83 366,112.35 19,573.49
342 6/1/35 1,073.64 81.56 992.09 - 181,418.60 185,767.39 367,185.99 18,581.40
343 7/1/35 1,073.64 77.42 996.22 - 182,414.82 185,844.81 368,259.63 17,585.18
344 8/1/35 1,073.64 73.27 1,000.37 - 183,415.19 185,918.08 369,333.28 16,584.81
345 9/1/35 1,073.64 69.10 1,004.54 - 184,419.73 185,987.19 370,406.92 15,580.27
346 10/1/35 1,073.64 64.92 1,008.73 - 185,428.46 186,052.11 371,480.56 14,571.54
347 11/1/35 1,073.64 60.71 1,012.93 - 186,441.39 186,112.82 372,554.21 13,558.61
348 12/1/35 1,073.64 56.49 1,017.15 - 187,458.53 186,169.31 373,627.85 12,541.47
349 1/1/36 1,073.64 52.26 1,021.39 - 188,479.92 186,221.57 374,701.49 11,520.08
350 2/1/36 1,073.64 48.00 1,025.64 - 189,505.56 186,269.57 375,775.14 10,494.44
351 3/1/36 1,073.64 43.73 1,029.92 - 190,535.48 186,313.30 376,848.78 9,464.52
352 4/1/36 1,073.64 39.44 1,034.21 - 191,569.69 186,352.73 377,922.42 8,430.31
353 5/1/36 1,073.64 35.13 1,038.52 - 192,608.21 186,387.86 378,996.07 7,391.79
354 6/1/36 1,073.64 30.80 1,042.84 - 193,651.05 186,418.66 380,069.71 6,348.95
355 7/1/36 1,073.64 26.45 1,047.19 - 194,698.24 186,445.11 381,143.35 5,301.76
356 8/1/36 1,073.64 22.09 1,051.55 - 195,749.79 186,467.20 382,217.00 4,250.21
357 9/1/36 1,073.64 17.71 1,055.93 - 196,805.73 186,484.91 383,290.64 3,194.27
358 10/1/36 1,073.64 13.31 1,060.33 - 197,866.06 186,498.22 384,364.28 2,133.94
359 11/1/36 1,073.64 8.89 1,064.75 - 198,930.81 186,507.11 385,437.93 1,069.19
360 12/1/36 1,073.64 4.45 1,069.19 - 200,000.00 186,511.57 386,511.57 0.00

8 of 16 04/04/2017 08:27:16
 "Loan Amortization.xls" Program
Version 1.5

LOAN MONTHLY PAYMENTS AND AMORTIZATION SCHEDULE

Input Data:
Loan Start Date (M/D/Y) = January 1, 2007
Principal (Loan Amount) = $200,000.00
Loan Term (Duration) = 360 months
Interest Rate (APR) = 5.000%

Results:
Monthly Payment = $1,073.64 (Principal & Interest only)
Total Interest = $186,511.57
Total Payout = $386,511.57 (Principal + Interest)

LOAN AMORTIZATION SCHEDULE

Payment Payment Monthly Interest Principal Additional Total Total Total Payout Current Loan
No. Date Payment Paid/Month Paid/Month Payment/Month Principal Paid Interest Paid (P & I + Add'l.) Balance
(P & I only) (exclud. Add'l.) (toward Principal) (to date) (to date) (to date) (to date)
1 1/1/07 $1,073.64 $833.33 $240.31 $240.31 $833.33 $1,073.64 $199,759.69
2 2/1/07 1,073.64 832.33 241.31 481.62 1,665.67 2,147.29 199,518.38
3 3/1/07 1,073.64 831.33 242.32 723.94 2,496.99 3,220.93 199,276.06
4 4/1/07 1,073.64 830.32 243.33 967.26 3,327.31 4,294.57 199,032.74
5 5/1/07 1,073.64 829.30 244.34 1,211.60 4,156.61 5,368.22 198,788.40
6 6/1/07 1,073.64 828.28 245.36 1,456.96 4,984.90 6,441.86 198,543.04
7 7/1/07 1,073.64 827.26 246.38 1,703.34 5,812.16 7,515.50 198,296.66
8 8/1/07 1,073.64 826.24 247.41 1,950.75 6,638.40 8,589.15 198,049.25
9 9/1/07 1,073.64 825.21 248.44 2,199.19 7,463.60 9,662.79 197,800.81
10 10/1/07 1,073.64 824.17 249.47 2,448.66 8,287.77 10,736.43 197,551.34
11 11/1/07 1,073.64 823.13 250.51 2,699.17 9,110.90 11,810.08 197,300.83
12 12/1/07 1,073.64 822.09 251.56 2,950.73 9,932.99 12,883.72 197,049.27
13 1/1/08 1,073.64 821.04 252.60 3,203.34 10,754.03 13,957.36 196,796.66
14 2/1/08 1,073.64 819.99 253.66 3,456.99 11,574.01 15,031.01 196,543.01
15 3/1/08 1,073.64 818.93 254.71 3,711.71 12,392.94 16,104.65 196,288.29
16 4/1/08 1,073.64 817.87 255.78 3,967.48 13,210.81 17,178.29 196,032.52
17 5/1/08 1,073.64 816.80 256.84 4,224.32 14,027.61 18,251.94 195,775.68
18 6/1/08 1,073.64 815.73 257.91 4,482.23 14,843.34 19,325.58 195,517.77
19 7/1/08 1,073.64 814.66 258.99 4,741.22 15,658.00 20,399.22 195,258.78
20 8/1/08 1,073.64 813.58 260.06 5,001.29 16,471.58 21,472.86 194,998.71
21 9/1/08 1,073.64 812.49 261.15 5,262.43 17,284.07 22,546.51 194,737.57
22 10/1/08 1,073.64 811.41 262.24 5,524.67 18,095.48 23,620.15 194,475.33
23 11/1/08 1,073.64 810.31 263.33 5,788.00 18,905.79 24,693.79 194,212.00
24 12/1/08 1,073.64 809.22 264.43 6,052.43 19,715.01 25,767.44 193,947.57
25 1/1/09 1,073.64 808.11 265.53 6,317.95 20,523.13 26,841.08 193,682.05
26 2/1/09 1,073.64 807.01 266.63 6,584.59 21,330.13 27,914.72 193,415.41
27 3/1/09 1,073.64 805.90 267.75 6,852.34 22,136.03 28,988.37 193,147.66
28 4/1/09 1,073.64 804.78 268.86 7,121.20 22,940.81 30,062.01 192,878.80
29 5/1/09 1,073.64 803.66 269.98 7,391.18 23,744.48 31,135.65 192,608.82
30 6/1/09 1,073.64 802.54 271.11 7,662.28 24,547.01 32,209.30 192,337.72
31 7/1/09 1,073.64 801.41 272.24 7,934.52 25,348.42 33,282.94 192,065.48
32 8/1/09 1,073.64 800.27 273.37 8,207.89 26,148.69 34,356.58 191,792.11
33 9/1/09 1,073.64 799.13 274.51 8,482.40 26,947.83 35,430.23 191,517.60
34 10/1/09 1,073.64 797.99 275.65 8,758.05 27,745.82 36,503.87 191,241.95
35 11/1/09 1,073.64 796.84 276.80 9,034.86 28,542.66 37,577.51 190,965.14
36 12/1/09 1,073.64 795.69 277.96 9,312.81 29,338.35 38,651.16 190,687.19
37 1/1/10 1,073.64 794.53 279.11 9,591.92 30,132.88 39,724.80 190,408.08
38 2/1/10 1,073.64 793.37 280.28 9,872.20 30,926.24 40,798.44 190,127.80
39 3/1/10 1,073.64 792.20 281.44 10,153.64 31,718.44 41,872.09 189,846.36
40 4/1/10 1,073.64 791.03 282.62 10,436.26 32,509.47 42,945.73 189,563.74
41 5/1/10 1,073.64 789.85 283.79 10,720.06 33,299.32 44,019.37 189,279.94
42 6/1/10 1,073.64 788.67 284.98 11,005.03 34,087.98 45,093.02 188,994.97
43 7/1/10 1,073.64 787.48 286.16 11,291.20 34,875.46 46,166.66 188,708.80
44 8/1/10 1,073.64 786.29 287.36 11,578.55 35,661.75 47,240.30 188,421.45
45 9/1/10 1,073.64 785.09 288.55 11,867.11 36,446.84 48,313.95 188,132.89
46 10/1/10 1,073.64 783.89 289.76 12,156.86 37,230.73 49,387.59 187,843.14
47 11/1/10 1,073.64 782.68 290.96 12,447.83 38,013.41 50,461.23 187,552.17
48 12/1/10 1,073.64 781.47 292.18 12,740.00 38,794.87 51,534.88 187,260.00
49 1/1/11 1,073.64 780.25 293.39 13,033.40 39,575.12 52,608.52 186,966.60
50 2/1/11 1,073.64 779.03 294.62 13,328.01 40,354.15 53,682.16 186,671.99
51 3/1/11 1,073.64 777.80 295.84 13,623.85 41,131.95 54,755.81 186,376.15
52 4/1/11 1,073.64 776.57 297.08 13,920.93 41,908.52 55,829.45 186,079.07
53 5/1/11 1,073.64 775.33 298.31 14,219.24 42,683.85 56,903.09 185,780.76
54 6/1/11 1,073.64 774.09 299.56 14,518.80 43,457.93 57,976.74 185,481.20
55 7/1/11 1,073.64 772.84 300.80 14,819.61 44,230.77 59,050.38 185,180.39
56 8/1/11 1,073.64 771.58 302.06 15,121.66 45,002.36 60,124.02 184,878.34
57 9/1/11 1,073.64 770.33 303.32 15,424.98 45,772.68 61,197.67 184,575.02
58 10/1/11 1,073.64 769.06 304.58 15,729.56 46,541.75 62,271.31 184,270.44
59 11/1/11 1,073.64 767.79 305.85 16,035.41 47,309.54 63,344.95 183,964.59
60 12/1/11 1,073.64 766.52 307.12 16,342.54 48,076.06 64,418.59 183,657.46

9 of 16 04/04/2017 08:27:16
 "Loan Amortization.xls" Program
Version 1.5

LOAN MONTHLY PAYMENTS AND AMORTIZATION SCHEDULE

Input Data:
Loan Start Date (M/D/Y) = January 1, 2007
Principal (Loan Amount) = $200,000.00
Loan Term (Duration) = 360 months
Interest Rate (APR) = 5.000%

Results:
Monthly Payment = $1,073.64 (Principal & Interest only)
Total Interest = $186,511.57
Total Payout = $386,511.57 (Principal + Interest)

LOAN AMORTIZATION SCHEDULE

Payment Payment Monthly Interest Principal Additional Total Total Total Payout Current Loan
No. Date Payment Paid/Month Paid/Month Payment/Month Principal Paid Interest Paid (P & I + Add'l.) Balance
(P & I only) (exclud. Add'l.) (toward Principal) (to date) (to date) (to date) (to date)
61 1/1/12 1,073.64 765.24 308.40 16,650.94 48,841.30 65,492.24 183,349.06
62 2/1/12 1,073.64 763.95 309.69 16,960.63 49,605.25 66,565.88 183,039.37
63 3/1/12 1,073.64 762.66 310.98 17,271.61 50,367.92 67,639.52 182,728.39
64 4/1/12 1,073.64 761.37 312.27 17,583.88 51,129.29 68,713.17 182,416.12
65 5/1/12 1,073.64 760.07 313.58 17,897.46 51,889.35 69,786.81 182,102.54
66 6/1/12 1,073.64 758.76 314.88 18,212.34 52,648.11 70,860.45 181,787.66
67 7/1/12 1,073.64 757.45 316.19 18,528.54 53,405.56 71,934.10 181,471.46
68 8/1/12 1,073.64 756.13 317.51 18,846.05 54,161.69 73,007.74 181,153.95
69 9/1/12 1,073.64 754.81 318.84 19,164.88 54,916.50 74,081.38 180,835.12
70 10/1/12 1,073.64 753.48 320.16 19,485.05 55,669.98 75,155.03 180,514.95
71 11/1/12 1,073.64 752.15 321.50 19,806.54 56,422.13 76,228.67 180,193.46
72 12/1/12 1,073.64 750.81 322.84 20,129.38 57,172.93 77,302.31 179,870.62
73 1/1/13 1,073.64 749.46 324.18 20,453.56 57,922.39 78,375.96 179,546.44
74 2/1/13 1,073.64 748.11 325.53 20,779.10 58,670.50 79,449.60 179,220.90
75 3/1/13 1,073.64 746.75 326.89 21,105.99 59,417.26 80,523.24 178,894.01
76 4/1/13 1,073.64 745.39 328.25 21,434.24 60,162.65 81,596.89 178,565.76
77 5/1/13 1,073.64 744.02 329.62 21,763.86 60,906.67 82,670.53 178,236.14
78 6/1/13 1,073.64 742.65 330.99 22,094.85 61,649.32 83,744.17 177,905.15
79 7/1/13 1,073.64 741.27 332.37 22,427.22 62,390.59 84,817.82 177,572.78
80 8/1/13 1,073.64 739.89 333.76 22,760.98 63,130.48 85,891.46 177,239.02
81 9/1/13 1,073.64 738.50 335.15 23,096.13 63,868.98 86,965.10 176,903.87
82 10/1/13 1,073.64 737.10 336.54 23,432.67 64,606.08 88,038.75 176,567.33
83 11/1/13 1,073.64 735.70 337.95 23,770.62 65,341.77 89,112.39 176,229.38
84 12/1/13 1,073.64 734.29 339.35 24,109.97 66,076.06 90,186.03 175,890.03
85 1/1/14 1,073.64 732.88 340.77 24,450.74 66,808.94 91,259.68 175,549.26
86 2/1/14 1,073.64 731.46 342.19 24,792.93 67,540.39 92,333.32 175,207.07
87 3/1/14 1,073.64 730.03 343.61 25,136.54 68,270.42 93,406.96 174,863.46
88 4/1/14 1,073.64 728.60 345.05 25,481.59 68,999.02 94,480.61 174,518.41
89 5/1/14 1,073.64 727.16 346.48 25,828.07 69,726.18 95,554.25 174,171.93
90 6/1/14 1,073.64 725.72 347.93 26,176.00 70,451.90 96,627.89 173,824.00
91 7/1/14 1,073.64 724.27 349.38 26,525.37 71,176.16 97,701.54 173,474.63
92 8/1/14 1,073.64 722.81 350.83 26,876.20 71,898.97 98,775.18 173,123.80
93 9/1/14 1,073.64 721.35 352.29 27,228.50 72,620.32 99,848.82 172,771.50
94 10/1/14 1,073.64 719.88 353.76 27,582.26 73,340.21 100,922.47 172,417.74
95 11/1/14 1,073.64 718.41 355.24 27,937.50 74,058.61 101,996.11 172,062.50
96 12/1/14 1,073.64 716.93 356.72 28,294.21 74,775.54 103,069.75 171,705.79
97 1/1/15 1,073.64 715.44 358.20 28,652.41 75,490.98 104,143.39 171,347.59
98 2/1/15 1,073.64 713.95 359.69 29,012.11 76,204.93 105,217.04 170,987.89
99 3/1/15 1,073.64 712.45 361.19 29,373.30 76,917.38 106,290.68 170,626.70
100 4/1/15 1,073.64 710.94 362.70 29,736.00 77,628.32 107,364.32 170,264.00
101 5/1/15 1,073.64 709.43 364.21 30,100.21 78,337.76 108,437.97 169,899.79
102 6/1/15 1,073.64 707.92 365.73 30,465.94 79,045.67 109,511.61 169,534.06
103 7/1/15 1,073.64 706.39 367.25 30,833.19 79,752.06 110,585.25 169,166.81
104 8/1/15 1,073.64 704.86 368.78 31,201.97 80,456.93 111,658.90 168,798.03
105 9/1/15 1,073.64 703.33 370.32 31,572.29 81,160.25 112,732.54 168,427.71
106 10/1/15 1,073.64 701.78 371.86 31,944.15 81,862.03 113,806.18 168,055.85
107 11/1/15 1,073.64 700.23 373.41 32,317.56 82,562.27 114,879.83 167,682.44
108 12/1/15 1,073.64 698.68 374.97 32,692.53 83,260.94 115,953.47 167,307.47
109 1/1/16 1,073.64 697.11 376.53 33,069.06 83,958.06 117,027.11 166,930.94
110 2/1/16 1,073.64 695.55 378.10 33,447.15 84,653.60 118,100.76 166,552.85
111 3/1/16 1,073.64 693.97 379.67 33,826.83 85,347.57 119,174.40 166,173.17
112 4/1/16 1,073.64 692.39 381.26 34,208.08 86,039.96 120,248.04 165,791.92
113 5/1/16 1,073.64 690.80 382.84 34,590.93 86,730.76 121,321.69 165,409.07
114 6/1/16 1,073.64 689.20 384.44 34,975.37 87,419.96 122,395.33 165,024.63
115 7/1/16 1,073.64 687.60 386.04 35,361.41 88,107.57 123,468.97 164,638.59
116 8/1/16 1,073.64 685.99 387.65 35,749.06 88,793.56 124,542.62 164,250.94
117 9/1/16 1,073.64 684.38 389.26 36,138.32 89,477.94 125,616.26 163,861.68
118 10/1/16 1,073.64 682.76 390.89 36,529.21 90,160.70 126,689.90 163,470.79
119 11/1/16 1,073.64 681.13 392.51 36,921.72 90,841.83 127,763.55 163,078.28
120 12/1/16 1,073.64 679.49 394.15 37,315.87 91,521.32 128,837.19 162,684.13

10 of 16 04/04/2017 08:27:16
 "Loan Amortization.xls" Program
Version 1.5

LOAN MONTHLY PAYMENTS AND AMORTIZATION SCHEDULE

Input Data:
Loan Start Date (M/D/Y) = January 1, 2007
Principal (Loan Amount) = $200,000.00
Loan Term (Duration) = 360 months
Interest Rate (APR) = 5.000%

Results:
Monthly Payment = $1,073.64 (Principal & Interest only)
Total Interest = $186,511.57
Total Payout = $386,511.57 (Principal + Interest)

LOAN AMORTIZATION SCHEDULE

Payment Payment Monthly Interest Principal Additional Total Total Total Payout Current Loan
No. Date Payment Paid/Month Paid/Month Payment/Month Principal Paid Interest Paid (P & I + Add'l.) Balance
(P & I only) (exclud. Add'l.) (toward Principal) (to date) (to date) (to date) (to date)
121 1/1/17 1,073.64 677.85 395.79 37,711.66 92,199.17 129,910.83 162,288.34
122 2/1/17 1,073.64 676.20 397.44 38,109.11 92,875.37 130,984.48 161,890.89
123 3/1/17 1,073.64 674.55 399.10 38,508.20 93,549.92 132,058.12 161,491.80
124 4/1/17 1,073.64 672.88 400.76 38,908.96 94,222.80 133,131.76 161,091.04
125 5/1/17 1,073.64 671.21 402.43 39,311.39 94,894.01 134,205.41 160,688.61
126 6/1/17 1,073.64 669.54 404.11 39,715.50 95,563.55 135,279.05 160,284.50
127 7/1/17 1,073.64 667.85 405.79 40,121.29 96,231.40 136,352.69 159,878.71
128 8/1/17 1,073.64 666.16 407.48 40,528.78 96,897.56 137,426.34 159,471.22
129 9/1/17 1,073.64 664.46 409.18 40,937.96 97,562.02 138,499.98 159,062.04
130 10/1/17 1,073.64 662.76 410.88 41,348.84 98,224.78 139,573.62 158,651.16
131 11/1/17 1,073.64 661.05 412.60 41,761.44 98,885.83 140,647.27 158,238.56
132 12/1/17 1,073.64 659.33 414.32 42,175.75 99,545.16 141,720.91 157,824.25
133 1/1/18 1,073.64 657.60 416.04 42,591.79 100,202.76 142,794.55 157,408.21
134 2/1/18 1,073.64 655.87 417.78 43,009.57 100,858.62 143,868.19 156,990.43
135 3/1/18 1,073.64 654.13 419.52 43,429.09 101,512.75 144,941.84 156,570.91
136 4/1/18 1,073.64 652.38 421.26 43,850.35 102,165.13 146,015.48 156,149.65
137 5/1/18 1,073.64 650.62 423.02 44,273.37 102,815.75 147,089.12 155,726.63
138 6/1/18 1,073.64 648.86 424.78 44,698.15 103,464.61 148,162.77 155,301.85
139 7/1/18 1,073.64 647.09 426.55 45,124.71 104,111.71 149,236.41 154,875.29
140 8/1/18 1,073.64 645.31 428.33 45,553.04 104,757.02 150,310.05 154,446.96
141 9/1/18 1,073.64 643.53 430.11 45,983.15 105,400.55 151,383.70 154,016.85
142 10/1/18 1,073.64 641.74 431.91 46,415.06 106,042.29 152,457.34 153,584.94
143 11/1/18 1,073.64 639.94 433.71 46,848.76 106,682.22 153,530.98 153,151.24
144 12/1/18 1,073.64 638.13 435.51 47,284.27 107,320.35 154,604.63 152,715.73
145 1/1/19 1,073.64 636.32 437.33 47,721.60 107,956.67 155,678.27 152,278.40
146 2/1/19 1,073.64 634.49 439.15 48,160.75 108,591.16 156,751.91 151,839.25
147 3/1/19 1,073.64 632.66 440.98 48,601.73 109,223.83 157,825.56 151,398.27
148 4/1/19 1,073.64 630.83 442.82 49,044.55 109,854.65 158,899.20 150,955.45
149 5/1/19 1,073.64 628.98 444.66 49,489.21 110,483.63 159,972.84 150,510.79
150 6/1/19 1,073.64 627.13 446.51 49,935.73 111,110.76 161,046.49 150,064.27
151 7/1/19 1,073.64 625.27 448.38 50,384.10 111,736.03 162,120.13 149,615.90
152 8/1/19 1,073.64 623.40 450.24 50,834.35 112,359.43 163,193.77 149,165.65
153 9/1/19 1,073.64 621.52 452.12 51,286.47 112,980.95 164,267.42 148,713.53
154 10/1/19 1,073.64 619.64 454.00 51,740.47 113,600.59 165,341.06 148,259.53
155 11/1/19 1,073.64 617.75 455.90 52,196.36 114,218.34 166,414.70 147,803.64
156 12/1/19 1,073.64 615.85 457.79 52,654.16 114,834.19 167,488.35 147,345.84
157 1/1/20 1,073.64 613.94 459.70 53,113.86 115,448.13 168,561.99 146,886.14
158 2/1/20 1,073.64 612.03 461.62 53,575.48 116,060.15 169,635.63 146,424.52
159 3/1/20 1,073.64 610.10 463.54 54,039.02 116,670.26 170,709.28 145,960.98
160 4/1/20 1,073.64 608.17 465.47 54,504.49 117,278.43 171,782.92 145,495.51
161 5/1/20 1,073.64 606.23 467.41 54,971.90 117,884.66 172,856.56 145,028.10
162 6/1/20 1,073.64 604.28 469.36 55,441.26 118,488.94 173,930.21 144,558.74
163 7/1/20 1,073.64 602.33 471.32 55,912.58 119,091.27 175,003.85 144,087.42
164 8/1/20 1,073.64 600.36 473.28 56,385.86 119,691.63 176,077.49 143,614.14
165 9/1/20 1,073.64 598.39 475.25 56,861.11 120,290.03 177,151.14 143,138.89
166 10/1/20 1,073.64 596.41 477.23 57,338.34 120,886.44 178,224.78 142,661.66
167 11/1/20 1,073.64 594.42 479.22 57,817.56 121,480.86 179,298.42 142,182.44
168 12/1/20 1,073.64 592.43 481.22 58,298.78 122,073.29 180,372.07 141,701.22
169 1/1/21 1,073.64 590.42 483.22 58,782.00 122,663.71 181,445.71 141,218.00
170 2/1/21 1,073.64 588.41 485.23 59,267.23 123,252.12 182,519.35 140,732.77
171 3/1/21 1,073.64 586.39 487.26 59,754.49 123,838.51 183,593.00 140,245.51
172 4/1/21 1,073.64 584.36 489.29 60,243.78 124,422.86 184,666.64 139,756.22
173 5/1/21 1,073.64 582.32 491.33 60,735.10 125,005.18 185,740.28 139,264.90
174 6/1/21 1,073.64 580.27 493.37 61,228.47 125,585.45 186,813.92 138,771.53
175 7/1/21 1,073.64 578.21 495.43 61,723.90 126,163.66 187,887.57 138,276.10
176 8/1/21 1,073.64 576.15 497.49 62,221.40 126,739.82 188,961.21 137,778.60
177 9/1/21 1,073.64 574.08 499.57 62,720.96 127,313.89 190,034.85 137,279.04
178 10/1/21 1,073.64 572.00 501.65 63,222.61 127,885.89 191,108.50 136,777.39
179 11/1/21 1,073.64 569.91 503.74 63,726.35 128,455.79 192,182.14 136,273.65
180 12/1/21 1,073.64 567.81 505.84 64,232.18 129,023.60 193,255.78 135,767.82

11 of 16 04/04/2017 08:27:16
 "Loan Amortization.xls" Program
Version 1.5

LOAN MONTHLY PAYMENTS AND AMORTIZATION SCHEDULE

Input Data:
Loan Start Date (M/D/Y) = January 1, 2007
Principal (Loan Amount) = $200,000.00
Loan Term (Duration) = 360 months
Interest Rate (APR) = 5.000%

Results:
Monthly Payment = $1,073.64 (Principal & Interest only)
Total Interest = $186,511.57
Total Payout = $386,511.57 (Principal + Interest)

LOAN AMORTIZATION SCHEDULE

Payment Payment Monthly Interest Principal Additional Total Total Total Payout Current Loan
No. Date Payment Paid/Month Paid/Month Payment/Month Principal Paid Interest Paid (P & I + Add'l.) Balance
(P & I only) (exclud. Add'l.) (toward Principal) (to date) (to date) (to date) (to date)
181 1/1/22 1,073.64 565.70 507.94 64,740.13 129,589.30 194,329.43 135,259.87
182 2/1/22 1,073.64 563.58 510.06 65,250.19 130,152.88 195,403.07 134,749.81
183 3/1/22 1,073.64 561.46 512.19 65,762.37 130,714.34 196,476.71 134,237.63
184 4/1/22 1,073.64 559.32 514.32 66,276.69 131,273.66 197,550.36 133,723.31
185 5/1/22 1,073.64 557.18 516.46 66,793.16 131,830.85 198,624.00 133,206.84
186 6/1/22 1,073.64 555.03 518.61 67,311.77 132,385.87 199,697.64 132,688.23
187 7/1/22 1,073.64 552.87 520.78 67,832.55 132,938.74 200,771.29 132,167.45
188 8/1/22 1,073.64 550.70 522.95 68,355.49 133,489.44 201,844.93 131,644.51
189 9/1/22 1,073.64 548.52 525.12 68,880.62 134,037.96 202,918.57 131,119.38
190 10/1/22 1,073.64 546.33 527.31 69,407.93 134,584.29 203,992.22 130,592.07
191 11/1/22 1,073.64 544.13 529.51 69,937.44 135,128.42 205,065.86 130,062.56
192 12/1/22 1,073.64 541.93 531.72 70,469.15 135,670.35 206,139.50 129,530.85
193 1/1/23 1,073.64 539.71 533.93 71,003.09 136,210.06 207,213.15 128,996.91
194 2/1/23 1,073.64 537.49 536.16 71,539.24 136,747.55 208,286.79 128,460.76
195 3/1/23 1,073.64 535.25 538.39 72,077.63 137,282.80 209,360.43 127,922.37
196 4/1/23 1,073.64 533.01 540.63 72,618.26 137,815.81 210,434.08 127,381.74
197 5/1/23 1,073.64 530.76 542.89 73,161.15 138,346.57 211,507.72 126,838.85
198 6/1/23 1,073.64 528.50 545.15 73,706.30 138,875.06 212,581.36 126,293.70
199 7/1/23 1,073.64 526.22 547.42 74,253.72 139,401.29 213,655.01 125,746.28
200 8/1/23 1,073.64 523.94 549.70 74,803.42 139,925.23 214,728.65 125,196.58
201 9/1/23 1,073.64 521.65 551.99 75,355.41 140,446.88 215,802.29 124,644.59
202 10/1/23 1,073.64 519.35 554.29 75,909.70 140,966.24 216,875.94 124,090.30
203 11/1/23 1,073.64 517.04 556.60 76,466.30 141,483.28 217,949.58 123,533.70
204 12/1/23 1,073.64 514.72 558.92 77,025.22 141,998.00 219,023.22 122,974.78
205 1/1/24 1,073.64 512.39 561.25 77,586.47 142,510.40 220,096.87 122,413.53
206 2/1/24 1,073.64 510.06 563.59 78,150.06 143,020.45 221,170.51 121,849.94
207 3/1/24 1,073.64 507.71 565.94 78,715.99 143,528.16 222,244.15 121,284.01
208 4/1/24 1,073.64 505.35 568.29 79,284.28 144,033.51 223,317.80 120,715.72
209 5/1/24 1,073.64 502.98 570.66 79,854.94 144,536.49 224,391.44 120,145.06
210 6/1/24 1,073.64 500.60 573.04 80,427.98 145,037.10 225,465.08 119,572.02
211 7/1/24 1,073.64 498.22 575.43 81,003.41 145,535.31 226,538.72 118,996.59
212 8/1/24 1,073.64 495.82 577.82 81,581.23 146,031.13 227,612.37 118,418.77
213 9/1/24 1,073.64 493.41 580.23 82,161.47 146,524.55 228,686.01 117,838.53
214 10/1/24 1,073.64 490.99 582.65 82,744.12 147,015.54 229,759.65 117,255.88
215 11/1/24 1,073.64 488.57 585.08 83,329.19 147,504.11 230,833.30 116,670.81
216 12/1/24 1,073.64 486.13 587.51 83,916.71 147,990.23 231,906.94 116,083.29
217 1/1/25 1,073.64 483.68 589.96 84,506.67 148,473.91 232,980.58 115,493.33
218 2/1/25 1,073.64 481.22 592.42 85,099.09 148,955.14 234,054.23 114,900.91
219 3/1/25 1,073.64 478.75 594.89 85,693.98 149,433.89 235,127.87 114,306.02
220 4/1/25 1,073.64 476.28 597.37 86,291.35 149,910.17 236,201.51 113,708.65
221 5/1/25 1,073.64 473.79 599.86 86,891.21 150,383.95 237,275.16 113,108.79
222 6/1/25 1,073.64 471.29 602.36 87,493.56 150,855.24 238,348.80 112,506.44
223 7/1/25 1,073.64 468.78 604.87 88,098.43 151,324.01 239,422.44 111,901.57
224 8/1/25 1,073.64 466.26 607.39 88,705.82 151,790.27 240,496.09 111,294.18
225 9/1/25 1,073.64 463.73 609.92 89,315.73 152,254.00 241,569.73 110,684.27
226 10/1/25 1,073.64 461.18 612.46 89,928.19 152,715.18 242,643.37 110,071.81
227 11/1/25 1,073.64 458.63 615.01 90,543.20 153,173.81 243,717.02 109,456.80
228 12/1/25 1,073.64 456.07 617.57 91,160.78 153,629.88 244,790.66 108,839.22
229 1/1/26 1,073.64 453.50 620.15 91,780.92 154,083.38 245,864.30 108,219.08
230 2/1/26 1,073.64 450.91 622.73 92,403.65 154,534.29 246,937.95 107,596.35
231 3/1/26 1,073.64 448.32 625.33 93,028.98 154,982.61 248,011.59 106,971.02
232 4/1/26 1,073.64 445.71 627.93 93,656.91 155,428.32 249,085.23 106,343.09
233 5/1/26 1,073.64 443.10 630.55 94,287.46 155,871.42 250,158.88 105,712.54
234 6/1/26 1,073.64 440.47 633.17 94,920.63 156,311.89 251,232.52 105,079.37
235 7/1/26 1,073.64 437.83 635.81 95,556.44 156,749.72 252,306.16 104,443.56
236 8/1/26 1,073.64 435.18 638.46 96,194.90 157,184.90 253,379.81 103,805.10
237 9/1/26 1,073.64 432.52 641.12 96,836.03 157,617.42 254,453.45 103,163.97
238 10/1/26 1,073.64 429.85 643.79 97,479.82 158,047.27 255,527.09 102,520.18
239 11/1/26 1,073.64 427.17 646.48 98,126.30 158,474.44 256,600.74 101,873.70
240 12/1/26 1,073.64 424.47 649.17 98,775.46 158,898.91 257,674.38 101,224.54

12 of 16 04/04/2017 08:27:16
 "Loan Amortization.xls" Program
Version 1.5

LOAN MONTHLY PAYMENTS AND AMORTIZATION SCHEDULE

Input Data:
Loan Start Date (M/D/Y) = January 1, 2007
Principal (Loan Amount) = $200,000.00
Loan Term (Duration) = 360 months
Interest Rate (APR) = 5.000%

Results:
Monthly Payment = $1,073.64 (Principal & Interest only)
Total Interest = $186,511.57
Total Payout = $386,511.57 (Principal + Interest)

LOAN AMORTIZATION SCHEDULE

Payment Payment Monthly Interest Principal Additional Total Total Total Payout Current Loan
No. Date Payment Paid/Month Paid/Month Payment/Month Principal Paid Interest Paid (P & I + Add'l.) Balance
(P & I only) (exclud. Add'l.) (toward Principal) (to date) (to date) (to date) (to date)
241 1/1/27 1,073.64 421.77 651.87 99,427.34 159,320.68 258,748.02 100,572.66
242 2/1/27 1,073.64 419.05 654.59 100,081.93 159,739.74 259,821.67 99,918.07
243 3/1/27 1,073.64 416.33 657.32 100,739.25 160,156.06 260,895.31 99,260.75
244 4/1/27 1,073.64 413.59 660.06 101,399.30 160,569.65 261,968.95 98,600.70
245 5/1/27 1,073.64 410.84 662.81 102,062.11 160,980.48 263,042.60 97,937.89
246 6/1/27 1,073.64 408.07 665.57 102,727.68 161,388.56 264,116.24 97,272.32
247 7/1/27 1,073.64 405.30 668.34 103,396.02 161,793.86 265,189.88 96,603.98
248 8/1/27 1,073.64 402.52 671.13 104,067.15 162,196.38 266,263.53 95,932.85
249 9/1/27 1,073.64 399.72 673.92 104,741.07 162,596.10 267,337.17 95,258.93
250 10/1/27 1,073.64 396.91 676.73 105,417.80 162,993.01 268,410.81 94,582.20
251 11/1/27 1,073.64 394.09 679.55 106,097.35 163,387.10 269,484.45 93,902.65
252 12/1/27 1,073.64 391.26 682.38 106,779.74 163,778.36 270,558.10 93,220.26
253 1/1/28 1,073.64 388.42 685.23 107,464.96 164,166.78 271,631.74 92,535.04
254 2/1/28 1,073.64 385.56 688.08 108,153.04 164,552.34 272,705.38 91,846.96
255 3/1/28 1,073.64 382.70 690.95 108,843.99 164,935.04 273,779.03 91,156.01
256 4/1/28 1,073.64 379.82 693.83 109,537.82 165,314.85 274,852.67 90,462.18
257 5/1/28 1,073.64 376.93 696.72 110,234.53 165,691.78 275,926.31 89,765.47
258 6/1/28 1,073.64 374.02 699.62 110,934.15 166,065.80 276,999.96 89,065.85
259 7/1/28 1,073.64 371.11 702.54 111,636.69 166,436.91 278,073.60 88,363.31
260 8/1/28 1,073.64 368.18 705.46 112,342.15 166,805.09 279,147.24 87,657.85
261 9/1/28 1,073.64 365.24 708.40 113,050.55 167,170.33 280,220.89 86,949.45
262 10/1/28 1,073.64 362.29 711.35 113,761.91 167,532.62 281,294.53 86,238.09
263 11/1/28 1,073.64 359.33 714.32 114,476.23 167,891.95 282,368.17 85,523.77
264 12/1/28 1,073.64 356.35 717.29 115,193.52 168,248.30 283,441.82 84,806.48
265 1/1/29 1,073.64 353.36 720.28 115,913.80 168,601.66 284,515.46 84,086.20
266 2/1/29 1,073.64 350.36 723.28 116,637.09 168,952.02 285,589.10 83,362.91
267 3/1/29 1,073.64 347.35 726.30 117,363.39 169,299.36 286,662.75 82,636.61
268 4/1/29 1,073.64 344.32 729.32 118,092.71 169,643.68 287,736.39 81,907.29
269 5/1/29 1,073.64 341.28 732.36 118,825.07 169,984.96 288,810.03 81,174.93
270 6/1/29 1,073.64 338.23 735.41 119,560.49 170,323.19 289,883.68 80,439.51
271 7/1/29 1,073.64 335.16 738.48 120,298.97 170,658.35 290,957.32 79,701.03
272 8/1/29 1,073.64 332.09 741.56 121,040.52 170,990.44 292,030.96 78,959.48
273 9/1/29 1,073.64 329.00 744.65 121,785.17 171,319.44 293,104.61 78,214.83
274 10/1/29 1,073.64 325.90 747.75 122,532.91 171,645.34 294,178.25 77,467.09
275 11/1/29 1,073.64 322.78 750.86 123,283.78 171,968.11 295,251.89 76,716.22
276 12/1/29 1,073.64 319.65 753.99 124,037.77 172,287.77 296,325.54 75,962.23
277 1/1/30 1,073.64 316.51 757.13 124,794.90 172,604.27 297,399.18 75,205.10
278 2/1/30 1,073.64 313.35 760.29 125,555.19 172,917.63 298,472.82 74,444.81
279 3/1/30 1,073.64 310.19 763.46 126,318.65 173,227.82 299,546.47 73,681.35
280 4/1/30 1,073.64 307.01 766.64 127,085.29 173,534.82 300,620.11 72,914.71
281 5/1/30 1,073.64 303.81 769.83 127,855.12 173,838.63 301,693.75 72,144.88
282 6/1/30 1,073.64 300.60 773.04 128,628.16 174,139.24 302,767.40 71,371.84
283 7/1/30 1,073.64 297.38 776.26 129,404.42 174,436.62 303,841.04 70,595.58
284 8/1/30 1,073.64 294.15 779.49 130,183.91 174,730.77 304,914.68 69,816.09
285 9/1/30 1,073.64 290.90 782.74 130,966.66 175,021.67 305,988.33 69,033.34
286 10/1/30 1,073.64 287.64 786.00 131,752.66 175,309.31 307,061.97 68,247.34
287 11/1/30 1,073.64 284.36 789.28 132,541.94 175,593.67 308,135.61 67,458.06
288 12/1/30 1,073.64 281.08 792.57 133,334.51 175,874.75 309,209.25 66,665.49
289 1/1/31 1,073.64 277.77 795.87 134,130.38 176,152.52 310,282.90 65,869.62
290 2/1/31 1,073.64 274.46 799.19 134,929.57 176,426.98 311,356.54 65,070.43
291 3/1/31 1,073.64 271.13 802.52 135,732.08 176,698.10 312,430.18 64,267.92
292 4/1/31 1,073.64 267.78 805.86 136,537.94 176,965.89 313,503.83 63,462.06
293 5/1/31 1,073.64 264.43 809.22 137,347.16 177,230.31 314,577.47 62,652.84
294 6/1/31 1,073.64 261.05 812.59 138,159.75 177,491.36 315,651.11 61,840.25
295 7/1/31 1,073.64 257.67 815.98 138,975.73 177,749.03 316,724.76 61,024.27
296 8/1/31 1,073.64 254.27 819.38 139,795.10 178,003.30 317,798.40 60,204.90
297 9/1/31 1,073.64 250.85 822.79 140,617.89 178,254.15 318,872.04 59,382.11
298 10/1/31 1,073.64 247.43 826.22 141,444.11 178,501.58 319,945.69 58,555.89
299 11/1/31 1,073.64 243.98 829.66 142,273.77 178,745.56 321,019.33 57,726.23
300 12/1/31 1,073.64 240.53 833.12 143,106.89 178,986.09 322,092.97 56,893.11

13 of 16 04/04/2017 08:27:16
 "Loan Amortization.xls" Program
Version 1.5

LOAN MONTHLY PAYMENTS AND AMORTIZATION SCHEDULE

Input Data:
Loan Start Date (M/D/Y) = January 1, 2007
Principal (Loan Amount) = $200,000.00
Loan Term (Duration) = 360 months
Interest Rate (APR) = 5.000%

Results:
Monthly Payment = $1,073.64 (Principal & Interest only)
Total Interest = $186,511.57
Total Payout = $386,511.57 (Principal + Interest)

LOAN AMORTIZATION SCHEDULE

Payment Payment Monthly Interest Principal Additional Total Total Total Payout Current Loan
No. Date Payment Paid/Month Paid/Month Payment/Month Principal Paid Interest Paid (P & I + Add'l.) Balance
(P & I only) (exclud. Add'l.) (toward Principal) (to date) (to date) (to date) (to date)
301 1/1/32 1,073.64 237.05 836.59 143,943.47 179,223.14 323,166.62 56,056.53
302 2/1/32 1,073.64 233.57 840.07 144,783.55 179,456.71 324,240.26 55,216.45
303 3/1/32 1,073.64 230.07 843.57 145,627.12 179,686.78 325,313.90 54,372.88
304 4/1/32 1,073.64 226.55 847.09 146,474.21 179,913.33 326,387.55 53,525.79
305 5/1/32 1,073.64 223.02 850.62 147,324.83 180,136.36 327,461.19 52,675.17
306 6/1/32 1,073.64 219.48 854.16 148,179.00 180,355.84 328,534.83 51,821.00
307 7/1/32 1,073.64 215.92 857.72 149,036.72 180,571.76 329,608.48 50,963.28
308 8/1/32 1,073.64 212.35 861.30 149,898.01 180,784.11 330,682.12 50,101.99
309 9/1/32 1,073.64 208.76 864.88 150,762.90 180,992.86 331,755.76 49,237.10
310 10/1/32 1,073.64 205.15 868.49 151,631.39 181,198.02 332,829.41 48,368.61
311 11/1/32 1,073.64 201.54 872.11 152,503.50 181,399.55 333,903.05 47,496.50
312 12/1/32 1,073.64 197.90 875.74 153,379.24 181,597.46 334,976.69 46,620.76
313 1/1/33 1,073.64 194.25 879.39 154,258.63 181,791.71 336,050.34 45,741.37
314 2/1/33 1,073.64 190.59 883.05 155,141.68 181,982.30 337,123.98 44,858.32
315 3/1/33 1,073.64 186.91 886.73 156,028.41 182,169.21 338,197.62 43,971.59
316 4/1/33 1,073.64 183.21 890.43 156,918.84 182,352.42 339,271.27 43,081.16
317 5/1/33 1,073.64 179.50 894.14 157,812.98 182,531.93 340,344.91 42,187.02
318 6/1/33 1,073.64 175.78 897.86 158,710.85 182,707.71 341,418.55 41,289.15
319 7/1/33 1,073.64 172.04 901.61 159,612.45 182,879.75 342,492.20 40,387.55
320 8/1/33 1,073.64 168.28 905.36 160,517.81 183,048.03 343,565.84 39,482.19
321 9/1/33 1,073.64 164.51 909.13 161,426.95 183,212.54 344,639.48 38,573.05
322 10/1/33 1,073.64 160.72 912.92 162,339.87 183,373.26 345,713.13 37,660.13
323 11/1/33 1,073.64 156.92 916.73 163,256.59 183,530.17 346,786.77 36,743.41
324 12/1/33 1,073.64 153.10 920.55 164,177.14 183,683.27 347,860.41 35,822.86
325 1/1/34 1,073.64 149.26 924.38 165,101.52 183,832.53 348,934.05 34,898.48
326 2/1/34 1,073.64 145.41 928.23 166,029.75 183,977.94 350,007.70 33,970.25
327 3/1/34 1,073.64 141.54 932.10 166,961.85 184,119.49 351,081.34 33,038.15
328 4/1/34 1,073.64 137.66 935.98 167,897.84 184,257.15 352,154.98 32,102.16
329 5/1/34 1,073.64 133.76 939.88 168,837.72 184,390.90 353,228.63 31,162.28
330 6/1/34 1,073.64 129.84 943.80 169,781.52 184,520.75 354,302.27 30,218.48
331 7/1/34 1,073.64 125.91 947.73 170,729.26 184,646.66 355,375.91 29,270.74
332 8/1/34 1,073.64 121.96 951.68 171,680.94 184,768.62 356,449.56 28,319.06
333 9/1/34 1,073.64 118.00 955.65 172,636.59 184,886.62 357,523.20 27,363.41
334 10/1/34 1,073.64 114.01 959.63 173,596.21 185,000.63 358,596.84 26,403.79
335 11/1/34 1,073.64 110.02 963.63 174,559.84 185,110.65 359,670.49 25,440.16
336 12/1/34 1,073.64 106.00 967.64 175,527.48 185,216.65 360,744.13 24,472.52
337 1/1/35 1,073.64 101.97 971.67 176,499.16 185,318.61 361,817.77 23,500.84
338 2/1/35 1,073.64 97.92 975.72 177,474.88 185,416.53 362,891.42 22,525.12
339 3/1/35 1,073.64 93.85 979.79 178,454.67 185,510.39 363,965.06 21,545.33
340 4/1/35 1,073.64 89.77 983.87 179,438.54 185,600.16 365,038.70 20,561.46
341 5/1/35 1,073.64 85.67 987.97 180,426.51 185,685.83 366,112.35 19,573.49
342 6/1/35 1,073.64 81.56 992.09 181,418.60 185,767.39 367,185.99 18,581.40
343 7/1/35 1,073.64 77.42 996.22 182,414.82 185,844.81 368,259.63 17,585.18
344 8/1/35 1,073.64 73.27 1,000.37 183,415.19 185,918.08 369,333.28 16,584.81
345 9/1/35 1,073.64 69.10 1,004.54 184,419.73 185,987.19 370,406.92 15,580.27
346 10/1/35 1,073.64 64.92 1,008.73 185,428.46 186,052.11 371,480.56 14,571.54
347 11/1/35 1,073.64 60.71 1,012.93 186,441.39 186,112.82 372,554.21 13,558.61
348 12/1/35 1,073.64 56.49 1,017.15 187,458.53 186,169.31 373,627.85 12,541.47
349 1/1/36 1,073.64 52.26 1,021.39 188,479.92 186,221.57 374,701.49 11,520.08
350 2/1/36 1,073.64 48.00 1,025.64 189,505.56 186,269.57 375,775.14 10,494.44
351 3/1/36 1,073.64 43.73 1,029.92 190,535.48 186,313.30 376,848.78 9,464.52
352 4/1/36 1,073.64 39.44 1,034.21 191,569.69 186,352.73 377,922.42 8,430.31
353 5/1/36 1,073.64 35.13 1,038.52 192,608.21 186,387.86 378,996.07 7,391.79
354 6/1/36 1,073.64 30.80 1,042.84 193,651.05 186,418.66 380,069.71 6,348.95
355 7/1/36 1,073.64 26.45 1,047.19 194,698.24 186,445.11 381,143.35 5,301.76
356 8/1/36 1,073.64 22.09 1,051.55 195,749.79 186,467.20 382,217.00 4,250.21
357 9/1/36 1,073.64 17.71 1,055.93 196,805.73 186,484.91 383,290.64 3,194.27
358 10/1/36 1,073.64 13.31 1,060.33 197,866.06 186,498.22 384,364.28 2,133.94
359 11/1/36 1,073.64 8.89 1,064.75 198,930.81 186,507.11 385,437.93 1,069.19
360 12/1/36 1,073.64 4.45 1,069.19 200,000.00 186,511.57 386,511.57 0.00

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 "Loan Amortization.xls" Program
Version 1.5

LOAN COMPARISON ANALYSIS

Input Data:
Scenario #1 Scenario #2 Scenario #3 Scenario #4
Loan Start Date (M/D/Y) = 1/1/07 1/1/07 1/1/07 1/1/07
Principal (Loan Amount) = $200,000.00 $200,000.00 $200,000.00 $200,000.00
Loan Term (months) = 180 240 360 360
Interest Rate (APR) = 6.000% 6.250% 6.500% 7.000%
Additional Payment/month = $0.00 $0.00 $0.00 $300.00

Results:
Scenario #1 Scenario #2 Scenario #3 Scenario #4
Monthly Payment (P & I only) = $1,687.71 $1,461.86 $1,264.14 $1,330.60
Total Interest = $103,788.46 $150,845.54 $255,088.98 $152,383.69
Total Payout (P+I) = $303,788.46 $350,845.54 $455,088.98 $352,383.69
Loan Term (months) = (same as input) (same as input) (same as input) 217
Loan End Date (M/D/Y) = 12/1/2021 12/1/2026 12/1/2036 1/1/2025

15 of 16 04/04/2017 08:27:16
 "Loan Amortization.xls" Program
Version 1.5

LOAN COMPARISON ANALYSIS

Input Data:
Scenario #1 Scenario #2 Scenario #3 Scenario #4
Loan Start Date (M/D/Y) = 1/1/07 1/1/07 1/1/07 1/1/07
Principal (Loan Amount) = $200,000.00 $200,000.00 $200,000.00 $200,000.00
Loan Term (months) = 180 240 360 360
Interest Rate (APR) = 6.000% 6.250% 6.500% 7.000%
Additional Payment/month = $0.00 $0.00 $0.00 $300.00

Results:
Scenario #1 Scenario #2 Scenario #3 Scenario #4
Monthly Payment (P & I only) = $1,687.71 $1,461.86 $1,264.14 $1,330.60
Total Interest = $103,788.46 $150,845.54 $255,088.98 $152,383.69
Total Payout (P+I) = $303,788.46 $350,845.54 $455,088.98 $352,383.69
Loan Term (months) = (same as input) (same as input) (same as input) 217

16 of 16 04/04/2017 08:27:16