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					Loan Amortization Calculator/Schedule

PRINCIPAL AMT :               100,000.00 (Inclusive of Insurance)
CUSTOMER RATE :                   14.00%
TENOR (MTHS)                         120
MONTHLY INSTALMENT :            1,552.66

MONTH       PRINCIPAL       PRINCIPAL        INTEREST         *                  % principal   principal
               O/S          REPAYMT           PAYMT           *     % paydown     reduction    reduction
                                                              *
       1      100,000.00          386.00         1,166.67     *          99.61                         0
       2       99,614.00          390.50         1,162.16     *          99.22                       386
       3       99,223.50          395.06         1,157.61     *          98.83          1.2          776
       4       98,828.44          399.67         1,153.00     *          98.43                     1,172
       5       98,428.78          404.33         1,148.34     *          98.02                     1,571
       6       98,024.45          409.05         1,143.62     *          97.62          2.4        1,976
       7       97,615.40          413.82         1,138.85     *          97.20                     2,385
       8       97,201.59          418.65         1,134.02     *          96.78                     2,798
       9       96,782.94          423.53         1,129.13     *          96.36          3.6        3,217
      10       96,359.41          428.47         1,124.19     *          95.93                     3,641
      11       95,930.94          433.47         1,119.19     *          95.50                     4,069
      12       95,497.47          438.53         1,114.14     *          95.06          4.9        4,503
      13       95,058.94          443.64         1,109.02     *          94.62                     4,941
      14       94,615.30          448.82         1,103.85     *          94.17                     5,385
      15       94,166.48          454.06         1,098.61     *          93.71          6.3        5,834
      16       93,712.42          459.35         1,093.31     *          93.25                     6,288
      17       93,253.07          464.71         1,087.95     *          92.79                     6,747
      18       92,788.36          470.13         1,082.53     *          92.32          7.7        7,212
      19       92,318.23          475.62         1,077.05     *          91.84                     7,682
      20       91,842.61          481.17         1,071.50     *          91.36                     8,157
      21       91,361.44          486.78         1,065.88     *          90.87          9.1        8,639
      22       90,874.66          492.46         1,060.20     *          90.38                     9,125
      23       90,382.20          498.21         1,054.46     *          89.88                     9,618
      24       89,883.99          504.02         1,048.65     *          89.38         10.6       10,116
      25       89,379.98          509.90         1,042.77     *          88.87                    10,620
      26       88,870.08          515.85         1,036.82     *          88.35                    11,130
      27       88,354.23          521.86         1,030.80     *          87.83         12.2       11,646
      28       87,832.37          527.95         1,024.71     *          87.30                    12,168
      29       87,304.41          534.11         1,018.55     *          86.77                    12,696
      30       86,770.30          540.34         1,012.32     *          86.23         13.8       13,230
      31       86,229.96          546.65         1,006.02     *          85.68                    13,770
      32       85,683.31          553.03           999.64     *          85.13                    14,317
      33       85,130.28          559.48           993.19     *          84.57         15.4       14,870
      34       84,570.80          566.00           986.66     *          84.00                    15,429
      35       84,004.80          572.61           980.06     *          83.43                    15,995
      36       83,432.19          579.29           973.38     *          82.85         17.1       16,568
      37       82,852.90          586.05           966.62     *          82.27                    17,147
      38       82,266.86          592.88           959.78     *          81.67                    17,733
      39       81,673.97          599.80           952.86     *          81.07         18.9       18,326
      40       81,074.17          606.80           945.87     *          80.47                    18,926
      41       80,467.37          613.88           938.79     *          79.85                    19,533
      42       79,853.49          621.04           931.62     *          79.23         20.8       20,147
      43       79,232.45          628.29           924.38     *          78.60                    20,768
      44       78,604.17          635.62           917.05     *          77.97                    21,396
      45       77,968.55          643.03           909.63     *          77.33         22.7       22,031
      46       77,325.52          650.53           902.13     *          76.67                    22,674
      47       76,674.99          658.12           894.54     *          76.02                    23,325
      48       76,016.86          665.80           886.86     *          75.35         24.6       23,983
      49       75,351.06          673.57           879.10     *          74.68                    24,649
      50       74,677.49          681.43           871.24     *          74.00                    25,323
      51       73,996.07          689.38           863.29     *          73.31         26.7       26,004
      52       73,306.69          697.42           855.24     *          72.61                    26,693
      53       72,609.27          705.56           847.11     *          71.90                    27,391
      54       71,903.71          713.79           838.88     *          71.19         28.8       28,096
      55       71,189.93          722.12           830.55     *          70.47                    28,810
      56       70,467.81          730.54           822.12     *          69.74                    29,532
      57       69,737.27          739.06           813.60     *          69.00         31.0       30,263
      58       68,998.21          747.69           804.98     *          68.25                    31,002
      59       68,250.52          756.41           796.26     *          67.49                    31,749
      60       67,494.11          765.23           787.43     *          66.73         33.3       32,506




                                               Pa g e 1 o f   3
PRINCIPAL AMT :          100,000.00 (Inclusive of Insurance)
CUSTOMER RATE :              14.00%
TENOR (MTHS)                    120
MONTHLY INSTALMENT :       1,552.66

MONTH     PRINCIPAL     PRINCIPAL       INTEREST     *                      % principal   principal
             O/S        REPAYMT          PAYMT       *         % paydown     reduction    reduction
                                                     *
     61     66,728.88        774.16           778.50 *              65.95                    33,271




                                          Pa g e 2 o f   3
% OF PRINCIPAL REDUCTION

No of YRS5YRS(%)   10YRS(%) 15YRS(%) 20YRS(%) 25YRS(%) 30YRS(%)
   YR1  16.8       6.7      3.5      2        1.2      0.8
   YR2  35.1       14       7.3      4.3      2.6      1.6
   YR3  55         21.9     11.5     6.7      4.1      2.6
   YR4  76.6       30.5     16       9.3      5.7      3.6
   YR5  100        39.8     20.8     12.1     7.4      4.7
   YR6             49.9     26.1     15.2     9.3      5.9
   YR7             60.9     31.9     18.5     11.4     7.2
   YR8             72.9     38.2     22.2     13.6     8.6
   YR9             85.9     45       26.1     16       10.1
  YR10             100      52.3     30.4     18.6     11.7
  YR11                      60.4     35.1     21.5     13.5
  YR12                      69.1     40.2     24.6     15.5
  YR13                      78.6     45.7     28       17.6
  YR14                      88.8     51.6     31.6     19.9
  YR15                      100      58.1     35.6     22.4
  YR16                               65.2     39.9     25.2
  YR17                               72.8     44.6     28.1
  YR18                               81.1     49.7     31.3
  YR19                               90.2     55.2     34.8
  YR20                               100      61.2     38.6
  YR21                                        67.8     42.7
  YR22                                        74.8     47.2
  YR23                                        82.5     52
  YR24                                        90.9     57.3
  YR25                                        100      63
  YR26                                                 69.3
  YR27                                                 76
  YR28                                                 83.4
  YR29                                                 91.3
  YR30                                                 100

				
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posted:12/23/2010
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