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					                                        CRI Chapter 7 - ED Form 799 / LaRS
                           Instructions for Testing LaRS & Utilizing This Spreadsheet

This spreadsheet is comprised of several worksheets in addition to this instruction sheet. The worksheets are described

Sampling Worksheet (denoted by the tab below titled "Sampling"):

This worksheet explains how to obtain your sample for testing the LaRS and notes that this testing is not a true random
sample but rather a judgmental sample. It also explains how to increase your sample size if needed.

General Testing Worksheet (denoted by the tab below titled "General Testing"):

This worksheet is used to record results from general testing procedures that are not tested on an individual borrower
basis, but provide assurance that internal procedures are working. This tab must be completed in its entirety by the

Attribute Listing Worksheet (denoted by the tab below titled "Attribute Listing"):

This worksheet lists the actual testing that will be completed for each borrower and includes the applicable regulatory or
Common Manual cite, along with a description of the testing to be performed. It also contains a column for the reviewer to
note the source documents reviewed to validate testing. The "Source Documents Reviewed" column must be

Attribute Testing Worksheet (denoted by the tab below titled "Attribute Testing"):

This worksheet has two primary purposes:

1) To record the actual results of the testing. The column headings indicate the attribute tested. The reviewer must enter
in either a "P" (for passed), "F" (for failed), or "N/A" (indicating this attribute does not apply to this particular borrower's
loan). For any attribute that is failed, the reviewer must place a comment in the comment column that explains in detail

2) This worksheet is also used to generate an exit document to provide to the appropriate contact person at the
lender/servicer once the review is completed. To accomplish this, the reviewer should perform the following steps once all

a) Sort the worksheet by the Comment Column. This is done to group the findings together.
b) Print the worksheet and provide the finding list to the contact. This worksheet has pre-defined headers and footers that
can be modified as necessary to customize the display. Note, you only want to print the findings on document to be
provided to the lender/servicer contact. As a result, the reviewer will need to set the print range to include only the portion
that has failed attributes (as noted by the description in the Comments column).

This tab must be completed in its entirety.

Loan Detail Info Worksheet (denoted by the tab titled "Loan Detail Info"):

This tab is used to record data elements necessary for reconciling the data on the lender or servicer's system to the data
reported on the LaRS. This tab must be completed in its entirety.

LaRS Form Instructions (denoted by the tab titled "LaRS Instructions"):

This tab includes information on how the LaRS form is completed by the lender/servicer. Reviewers may refer to this tab
to increase their understanding of the data elements within the form and how fields are populated. It includes instructions

Interest Rate Chart (denoted by the tabs below titled "Rates"):
This chart is a reference tool used in the verification of interest rates.

Common Special Allowance Codes (denoted by the tab below titled "SA Codes"):

This tab lists the most common special allowance codes that will be reflected on the LaRS. For a complete listing, the
reviewer should utilize Appendix A in the Common Manual .

Payment Calculation Worksheets (denoted by the tabs titled "ADB Calcs"):

These worksheets are tools used to verify information contained in the borrower's file including the accuracy of the
payment schedule, the application of payments, capitalized interest, declining and average daily principal balance. A
separate tab must be maintained for each borrower in your sample. The reviewer may rename each tab to
correspond to the borrower's name by double clicking on the tab name and entering the identifying information.

NOTE: Some of the tabs within the workbook may contain additional instructions or explantions to assist you in
completing the applicable tab. Ensure you carefully review all instructions on each tab when performing the review.
                                    CRI Chapter 7 - ED Form 799 / LaRS
                               How to Derive the Sample and Expand if Necessary

To ensure comprehensive testing of events that impact LaRS reporting, the sample of loans to be tested will be
derived from the random samples pulled from other CRI chapters. Consistent with CRI sampling methodology, a
minimum core sample of 29 loans must be tested initially. If no errors are detected within the first 29 loans
examined, your testing is considered complete. If errors are detected, expansion of the sample will not occur if
the errors detected are systemic in nature. It is anticipated that most errors encountered will be in this category.

Your sample will come from the samples derived from the following chapters, with the suggested number of
accounts pulled from each:
  Select:                      Review LaRS Detail for:
Chapter 1 - first 3 borrowers    Quarter of disbursement
Chapter 2 - first 4 borrowers    Quarter of conversion to repayment**
Chapter 3 - first 4 borrowers    Quarter of deferment start or end**
Chapter 4 - first 3 borrowers    Quarter of forbearance start or end**
Chapter 5 - first 4 borrowers    Quarter of claim payment
Chapter 6 - first 4 borrowers    Quarter of interest rate change or any quarter with payments
Chapter 9 - first 4 borrowers * Quarter of sale, purchase or transfer
Chapter 10 - first 3 borrowers   Quarter of disbursement
 Total initial sample = 29

* If the lender does not buy or sell loans, there will be no loans to test from this chapter. If this is the case, add
additional accounts from the other chapters to obtain a total sample size of 29.

** Status changes in this chapter are often processed retroactively. Review the LaRS for the quarter that the status change was

Because you will be pulling your sample from the other chapters, the sample testing for LaRS will be considered a
judgmental sample. As such, the expansion of the sample as needed when errors are detected will not follow the
same rules as with other chapters. For LaRS testing, the first step will be to determine if the error is systemic in
nature. For systemic errors, the sample need not be increased, but the lender/servicer will be required to identify

If the error is not considered a systemic error, the reviewer must expand the sample to look at other accounts
with the same characteristics (e.g., if an error was found while testing deferment application, the reviewer would
test other deferment accounts). However, rather than using the expansion matrix as defined in the CRI Review
Guide, we will use the 10% error rate as defined by ED in its School Site Review Guide. This means that the

Suppose you find an account that was electronically (EFT) disbursed after the start of the enrollment period and
the lender began interest billing on the day of disbursement rather than waiting the 3-day period. The reviewer
found this in one of three borrowers tested and the error could not be determined to be systemic. In this case, the
reviewer would have to test eight (8) additional accounts for a total of eleven accounts tested and find no
additional errors. If no additional errors were found, the error rate would be less than 10% and the sampling could
end. If additional errors were found, the reviewer would have to make a decision if further testing was needed, or

The reviewer must document the decision to expand or not expand on the Attribute Testing tab.
hat the status change was processed.
                                                               CRI Chapter 7 - ED Form 799 / LaRS
                                                                  General Testing to Be Performed

                                                                               Reviewer Name: John Doe

No.       Testing Task Specific Check Process                                  Date Reviewed             Conclusion

                        Review the parts of the questionnaire that relate to
                        the LaRS processing functions performed by the
                        lender/servicer. Ensure all questions have been
          Review        thoroughly answered and are in compliance with
          Questionnaire applicable regulations and Common Manual
      1   Received      policies.
          Confirm       For each lender code reviewed, confirm that each
          Timely        quarterly LaRS submission in the review scope
          Submission of period was received by ED within 90 days of the
      2   LaRS          quarter end.
                                                       CRI Chapter 7 - ED Form 799 / LaRS
                                    Listing of Testing Attributes and Regulatory Cite/Common Manual Cites

Attrib Attribute Name                 Reg Cites         CM Cites          Specific Check Process                                                                 Source Documents Reviewed



                                                                          For loans chosen from Chapter 1: Confirm the lender paid origination fees for
                                                                          the quarter in which the loan was originated by verifying that the correct
                                      682.305(a)(1),                      disbursement amount, loan type, fee code and fee percent was reported. This is
A     Payment of origination fees     682.202(c)        CM 3.5.A          applicable for new loans originated during the scope.

                                                                          For loans chosen from Chapters 1 and 10:Confirm the lender paid the lender
                                                                          fee on each loan disbursed during the quarter in which the loan was originated by
                                                                          verifying that the correct loan type, disbursement amount fee code and fee
                                                                          percent was reported. This is applicable for new loans originated during the
B     Payment of Lender Fee           682.305(a)(3)(ii) CM 3.5.A          scope.
                                                                          For loans chosen from all Chapters: Verify interest benefits billed to ED
                                                                          reflected the correct interest rate, billing code, ending principal balance, average
                                                                          daily principal balance and interest amount*. Verify lender ceased billing as
                                                                          applicable. Complete a separate Pay Calcs tab for each borrower in your sample
                                                                          to verify the correct average daily principal balance. This is applicable for all
                                                                          borrowers in the sample. If N/A is listed under this attribute, note why interest
C     Interest benefits               682.305(a)        CM Appendix A.1   could not be queried on the servicer system.

                                                                          For loans chosen from all Chapters: Verify special allowance billings reflected
                                                                          the correct SA category, loan type, interest rate*, billing code, ending principal
                                                                          balance and average daily principal balance. Verify lender ceased billing as
                                                                          applicable. Complete a separate Pay Calcs tab for each borrower in your sample
                                                                          to verify the correct average daily principal balance. This is applicable for all
D     Special allowance               682.302           CM Appendix A.2   borrowers in the sample.

                                                                          * Note that interest rates reported for Special Allowance are always the statutory
                                                                          rate. Interest rates for Interest Subsidy puposes should be reported at the
                                                                          effective rate and reflect any applicable interest rate reductions granted by the
                                                                          lender.
                                                                       CRI Chapter 7 - ED Form 799 / LaRS

                                                                           Schedule of Preliminary Findings
               Attribute Testing Indicator Legend
               P = Passed
               F = Failed                                                   Reviewer Name:                                                John Doe
               N/A = Not applicable                                                  Date:

               Lender/Servicer Name:




                                                                                                                  Payment of Lender Fee
                                                                                         Payment of Origination




                                                                                                                                                                 Special Allowance
                                                                                                                                             Interest Benefits
                                                                                         Fees
                   BORROWER
NO. Chapter          NAME                       SSN            Lender ID        GA              A                  B                          C                   D                  Comments for Failed Attribute(s)
  1         Joe Schmoe                       999-99-9998
  2         Sally Sample                     999-99-9999
  3
  4
  5
  6
  7
  8
  9
 10
 11
 12
 13
 14
 15
 16
 17
 18
 19
 20
 21
 22
 23
 24
 25
 26
 27
 28
 29
Signature:
________________________________________________

Your signature evidences receipt of this report and does not necessarily indicate agreement with the findings.
                                                                       CRI Chapter 7 - ED Form 799 / LaRS

                                                                           Schedule of Preliminary Findings
               Attribute Testing Indicator Legend
               P = Passed
               F = Failed                                                   Reviewer Name:                                                John Doe
               N/A = Not applicable                                                  Date:

               Lender/Servicer Name:




                                                                                                                  Payment of Lender Fee
                                                                                         Payment of Origination




                                                                                                                                                                 Special Allowance
                                                                                                                                             Interest Benefits
                                                                                         Fees
                      BORROWER
NO. Chapter             NAME                     SSN           Lender ID        GA              A                  B                          C                   D                  Comments for Failed Attribute(s)
 30
 31
 32
 33
 34
 35
 36
 37
 38
 39
 40
 41
 42
 43
 44
 45
 46

               Total Attributes Tested
               Total Failed Attributes
               Within Tolerable Rate (Y/N)?




Signature:
________________________________________________

Your signature evidences receipt of this report and does not necessarily indicate agreement with the findings.
                                                                                                      CRI Chapter 7 - ED Form 799 / LaRS
                                                                                                            Loan Detail Information

Servicer/Lender Name:

Reviewer Name:            John Doe
                                                                                                                                                             Special Allowance ADB
   Chap-    BORROWER                    Lender   Guarantor   Loan   Disb     Disb        Interest Billing   Deferment/Forbearance     INT     SA    ADB Amount    ADB Amount
NO. ter       NAME           SSN          ID        ID       Type   Date     Amt       Start Dt    End Dt   Start Dt     End Dt       Rate   Code     (per tab)    Per LaRS
 1    1    Sally Sample   999-99-9999                                      $5,000.00
 2
 3
 4
 5
 6
 7
 8
 9
10
11
12
13
14
15
16
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21
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35
- ED Form 799 / LaRS
tail Information




                       Special Allowance ADB                           Interest Subsidy
                                                      Qtr End   INT     INT Reported
                                               Diff    Date     DUE       Per LaRS        DIFF
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
                                                                0.00                      0.00
Excerpts from LaRS Instructions


Instructions for Part I - Loan Origination and Lender Loan Fees

This section is divided into 5 columns. Make separate line entries for each unique combination of              This pa
Loan Type, Fee Code, Fee Percent, and Loan Interest Rate. For each line, if any column is completed,           (Billing
all columns for that line must be completed. If you do not have anything to report, please indicate            Column
this by inserting zeros in the first line. Report adjustments to previous quarters only if applicable. If
additional space is needed, make a copy of the blank page and check the block at the bottom of each            When b
page.                                                                                                          Comple
                                                                                                               copy o
Applicability: Most FFEL Program loans are subject to a loan origination fee, which is a percentage of the
loan principal and is deducted proportionately from each loan disbursement. The fee depends on the period      Applica
of enrollment covered by the loan.                                                                             - Sub
                                                                                                                  and
A   Loan Type                  Provide the 2-letter code of the loan type being reported:                      - Fed
                                                                                                                  8/10
                               SF - Federal Stafford (except Unsubsidized Stafford)                            - Fed
                               SL - Federal Supplemental Loans for Students (SLS)                                 rece
                               PL - Federal PLUS Loans                                                         - Fed
                               CL - Federal Consolidation Loans                                                   the
                               SU - Unsubsidized Stafford Loans                                                   sub
                                                                                                                  auth

B   Fee Code                   Provide the code for the period and type of loan activity being reported:       A   Loa
                               Origination fees for current quarter:
                               FN - New Loans you have made (including those then sold) in the quarter
                               covered by this form if you owe the origination fees
                               FS - Loans you made and sold in the quarter covered by this form if the         B   Inte
                               purchaser owes the origination fees
                               FB - Loans you bought from another Lender in the quarter covered by this
                               form, if you owe the origination fees

                               Origination fee adjustments to previously reported quarters:
                               FI - Net increase in loans you made or bought as reported for a previous
                               quarter, if you owe the origination fees
                               FD - Net decrease in loans you made or bought as reported for a previous
                               quarter, if the fees are to be credited to you
                                                                                                               C Billi
                               Lender Loan fees for current quarter:
                               LN - New loans you have made (including those then sold) in the quarter
                               covered by this form, if you owe the Lender loan fees
                               LS - Loans you made and sold in the quarter covered by this form, if the
                               purchaser owes the Lender loan fees
                               LB - Loans you bought from another Lender in the quarter covered by this
                               form, if you owe the Lender loan fees

                               Lender fee adjustment to previously reported quarters:
                               LI - Net increase in loans you made or bought as reported for a previous
                               quarter, if you owe the Lender fees
                               LD - Net decrease in loans you made or bought as reported for a previous
                               quarter, if the fees are to be credited to you

                               Separate entries must be made for origination fees and for Lender fees. For
                               lines containing the codes FN, FB, FI, LN, LB and LI, ED will charge you the
                               fee. For lines containing the codes FD and LD, you will receive credit toward
                               fees due. Use the current quarter codes only for loans made, bought or sold     D End
                       LB - Loans you bought from another Lender in the quarter covered by this
                       form, if you owe the Lender loan fees

                       Lender fee adjustment to previously reported quarters:
                       LI - Net increase in loans you made or bought as reported for a previous
                       quarter, if you owe the Lender fees
                       LD - Net decrease in loans you made or bought as reported for a previous
                       quarter, if the fees are to be credited to you

                       Separate entries must be made for origination fees and for Lender fees. For
                       lines containing the codes FN, FB, FI, LN, LB and LI, ED will charge you the
                       fee. For lines containing the codes FD and LD, you will receive credit toward
                       fees due. Use the current quarter codes only for loans made, bought or sold         D End
                       in the quarter covered by this form.

                       If a loan transaction occurred in the current quarter and an adjustment was
                       made to it in the same quarter, only report the net result. Do not report the
                       original action and the adjustment separately. Include all loans, which can
                       be classified under the same loan type, the same adjustment fee code, the
                       same fee percent, and the same loan interest rate in one line item. When            E   Ave
                       using an adjustment code, report the sum of all activity for loans made in all          Bala
                       prior quarters. Do not make separate entries for each separate prior quarter.



C Fee Percent          Provide the percentage (as a decimal) of the loan used to determine the fee

                          Loans first disbursed on or after July 1, 2007 – June 30, 2008 for
                           periods of enrollment that either include that date or begin after that         F   Inte
                           date:                                                                               (Us
                              - Federal Stafford and Unsubsidized Stafford fees are 0.015

                          Loans first disbursed on or after July 1, 2006 – June 30, 2007 for periods
                           of enrollment that either include that date or begin after that date:
                               - Federal Stafford and Unsubsidized Stafford fees are 0.02
                               - Federal PLUS fees are 0.03

                          Loans first disbursed on or after July 1, 1994 through June 30, 2006 for
                           periods of enrollment that either include that date or begin after that date:
                               - Federal Stafford, PLUS and Unsubsidized Stafford fees are 0.03

                          Loans first disbursed on or after July 1, 1994 for period of enrollment that
                           begin before that date and include that date:
                              - Federal SLS loans certified before July 1, 1994 is 0.03

                          Period of enrollment beginning before July 1, 1994 and disbursed prior to
                           that date:
                               - Federal Stafford, Federal SLS and Federal PLUS fee is 0.05
                               - Unsubsidized Stafford combined origination fee/insurance
                                   premium is 0.065

                       FFEL Program loans disbursed on or after October 1, 2007 are subject to a
                       Lender loan fee, which is 1% or .01 of the loan principal and is charged
                       proportionately against each loan disbursement.

                       FFEL Program loans made on or after October 1, 1993 – September 30,
                       2007, are subject to a Lender loan fee, which is ½% or .005 of the loan
                       principal and is charged proportionately against each loan disbursement.




D Loan Interest Rate   Provide the applicable interest rate (as a decimal) of each group of loans.

                          Use “.068” for Federal Stafford and Unsubsidized Stafford loans
                                  Lender loan fee, which is 1% or .01 of the loan principal and is charged
                                  proportionately against each loan disbursement.

                                  FFEL Program loans made on or after October 1, 1993 – September 30,
                                  2007, are subject to a Lender loan fee, which is ½% or .005 of the loan
                                  principal and is charged proportionately against each loan disbursement.




 D Loan Interest Rate             Provide the applicable interest rate (as a decimal) of each group of loans.

                                     Use “.068” for Federal Stafford and Unsubsidized Stafford loans
                                      disbursed on or after 7/1/2006.
                                     Use “.085” for Federal PLUS loans disbursed on or after 7/1/2006.
                                     Use "EVAR" for Federal Stafford, Federal PLUS and Unsubsidized
                                      Stafford variable rate loans made to new borrowers on/after 10/1/92 –
                                      6/30/2006.
                                     Use the actual rate of the loan for Consolidation loans made on/after
                                      10/1/98.
                                     Use FVAR7, FVAR8, FVAR9, FVAR10, and FVARX respectively for
                                      converted fixed rate loans of 0.07, 0.08, 0.09, or 0.08/0.1 percent
                                      (adjustments only).




 E   Principal Amount of Loans The principal amount of the loan is the amount disbursed plus the amount of
                               the insurance premium and origination fee deducted prior to disbursement.
                               (The Lender loan fee is based on the same amount and is a charge to you.
                               It cannot be charged to the borrower; that is, it cannot be deducted from the
                               loan principal disbursed.)

                                  Enter the total principal amount of loans (whole dollars only) made or bought
                                  which are covered by the transaction indicated by the Loan Type and Fee
                                  Code. Do not include amounts representing cancellations or adjustments
                                  occurring in the same quarter that the loan was disbursed.

                                  For a Fee Code of FI and LI, report the additional amount which was not
                                  previously reported to ED. For a Fee Code of FD and LD, report the
                                  amount, which was previously reported but has now been cancelled or
                                  overstated in previous quarters.




                                            Part IV – Loan Activity

Applicability: Part IV shows the changes, which have occurred to the guaranteed loan principal in your
portfolio for each type of loan for the quarter covered by this form. Loan principal includes capitalized interest
as defined in line 3. This part must be completed and submitted each time you submit a LaRS form. This
part has 5 columns and 9 lines. Report all amounts in whole dollars.

Enter all loan information in the appropriate column:
   A) Federal Stafford (except Unsubsidized Stafford) and FISL
   B) Federal PLUS
   C) Federal SLS
                                            Part IV – Loan Activity

Applicability: Part IV shows the changes, which have occurred to the guaranteed loan principal in your
portfolio for each type of loan for the quarter covered by this form. Loan principal includes capitalized interest
as defined in line 3. This part must be completed and submitted each time you submit a LaRS form. This
part has 5 columns and 9 lines. Report all amounts in whole dollars.

Enter all loan information in the appropriate column:
   A) Federal Stafford (except Unsubsidized Stafford) and FISL
   B) Federal PLUS
   C) Federal SLS
   D) Federal Consolidation
   E) Federal Unsubsidized Stafford

 1   Beginning Principal Balance     Provide the outstanding principal balance (including the sum of capitalized
                                     interest outstanding) of loans at the start of business on the first day of the
                                     quarter. Unless an adjustment has been made, this amount must be the
                                     same as the Ending Principal Balance from the previous quarter's form.

                                     PLEASE NOTE: adjustments made to the prior quarter ending balance
                                     may be subject to review.

 2   Loan Principal Disbursed        Provide the principal amount of loans disbursed during the quarter. This
                                     may be new loans or additional disbursements for loans initially disbursed
                                     in a prior quarter. Report the gross amount; that is, the amount prior to
                                     any deductions for insurance premiums or origination fees. Include
                                     amounts actually disbursed for Consolidation loans and for refinanced
                                     PLUS and SLS loans. Do not report amounts disbursed and then
                                     cancelled (e.g., checks returned uncashed) in the same quarter.

 3   Interest Capitalized or Other   Provide the amount of interest and unpaid insurance premiums, which
     Principal Increase              were added to principal during the quarter in accordance with program
                                     regulations, principal transferred from other LIDs assigned to your
                                     institution, and any other increases in your portfolio not shown elsewhere.

 4   Principal of Loans              Provide the principal amount of loans purchased (including interest
     Purchased                       capitalized prior to purchase) from other Lenders. Do not include
                                     amounts disbursed to consolidate a loan.

 5   Principal of Loans Cured        Provide the principal amount of loans (including the sum of interest
                                     capitalized prior to the reinstatement of the loan's insurance) on which
                                     insurance coverage was reinstated (cured) in accordance with program
                                     regulations.

 6   Principal of Loans Sold         Provide the principal amount of loans sold (including interest capitalized
                                     prior to sale) to other Lenders. Do not include loans paid in full through
                                     consolidation. Also, do not include Federal PLUS and SLS loans paid in
                                     full as part of a refinancing of those loans.


 7   Principal Paid by Insurance     Provide the amount received from the guarantor for principal (including
     Claims                          interest capitalized prior to claim filing) for default, death, disability,
                                     bankruptcy and other claims authorized by statute, regulations, and
                                     policy.
 8   Principal of Loans on Which     Provide the principal amount of loans (including interest capitalized prior
     the Guarantee Was Voided        to the loss of guarantee) on which the insurance guarantee was voided
                                     due to a due diligence, timely filing, or other violation.

 9   Principal Paid by Borrowers     Provide the amount of payment received to reduce outstanding principal
     and other Principal             and capitalized interest, including payments from borrowers, refunds
     Reductions                      received from schools, checks returned uncashed for loans reported
                                     disbursed in prior quarters, and amounts received to pay off loans
                                     included in Federal Consolidation and refinanced Federal PLUS and SLS
    Claims                          interest capitalized prior to claim filing) for default, death, disability,
                                    bankruptcy and other claims authorized by statute, regulations, and
                                    policy.
8   Principal of Loans on Which     Provide the principal amount of loans (including interest capitalized prior
    the Guarantee Was Voided        to the loss of guarantee) on which the insurance guarantee was voided
                                    due to a due diligence, timely filing, or other violation.

9   Principal Paid by Borrowers     Provide the amount of payment received to reduce outstanding principal
    and other Principal             and capitalized interest, including payments from borrowers, refunds
    Reductions                      received from schools, checks returned uncashed for loans reported
                                    disbursed in prior quarters, and amounts received to pay off loans
                                    included in Federal Consolidation and refinanced Federal PLUS and SLS
                                    loans. Do not include claim payments from guarantors.


                                       Part V – Loan Portfolio Status

Applicability: Part V shows the status of the outstanding guaranteed loan principal in your portfolio for each
type of loan as of the end of the quarter covered by this form. Principal includes capitalized interest. Include
all guaranteed loans in this part except for ones, which the guarantee was voided. Also, include loans, which
were previously voided and then cured.

This part must be completed and submitted each time you submit a LaRS form. This part has 5 columns,
each covering a specific type of loan, and 4 rows (with the third containing 8 sub lines). Report all amounts in
whole dollars.


Enter all loan information in the appropriate column:

A) Federal Stafford (except unsubsidized Stafford) and FISL
B) Federal PLUS
C) Federal SLS
D) Federal Consolidation
E) Federal Unsubsidized Stafford


1   Loans in School and in Grace      Provide in the principal amount of all Stafford, FISL and Unsubsidized
                                      Stafford loans in an "in school or grace period" status. Do not include
                                      loans for which the borrower has a deferment due to returning to school
                                      after expiration of the grace period. These loans are to be included in
                                      line 2. Also, note that this status does not apply to Federal PLUS,
                                      Federal SLS or Federal Consolidation loans.

2   Loans in Authorized               Provide the principal amount of all loans in a period of authorized
    Deferment                         deferment.

3   Loans in Repayment or             Provide the appropriate category the principal amount of all loans in a
    Forbearance                       repayment for forbearance status. Include loans on which the grace
                                      period has ended and no deferment has been authorized, whether or
                                      not the borrower has made repayment arrangements or has made a
                                      payment. Do not include loans on which a claim has been filed with a
                                      guarantor in lines 3a through 3g. These loans are reported in line 3h.

4   Ending Principal Balance          Provide the principal balance of outstanding loans at the end of
                                      business on the last day of the quarter. Allowing for rounding, this must
                                      equal the sum of lines 1,2, and 3a through 3h.

                                      (4) = (1) + (2) + (3a) + (3b) + (3c) + (3d) + (3e) + (3f) + (3g) + (3h)
4   Ending Principal Balance   Provide the principal balance of outstanding loans at the end of
                               business on the last day of the quarter. Allowing for rounding, this must
                               equal the sum of lines 1,2, and 3a through 3h.

                               (4) = (1) + (2) + (3a) + (3b) + (3c) + (3d) + (3e) + (3f) + (3g) + (3h)
tion of       This part is divided into 6 columns. When billing for interest for the quarter covered by the form,               Th
ompleted,     (Billing Code BC), make separate line entries for each different loan type and allowable interest rate.           Bi
 dicate       Columns A-E must be completed. Column F, Interest Amount, is for reporting adjustments only.                      Ra
icable. If                                                                                                                      of
m of each     When billing for all other codes (BI and BD), make separate line entries for each type of adjustment.
              Complete columns A, C, and F. Leave the other columns blank. If additional space is needed, make a                Ap
              copy of the blank page and check the block at the bottom of each page.                                            FIS
ge of the                                                                                                                       ap
 he period    Applicability: In general, ED will pay the interest due on:
              - Subsidized Federal Stafford and FISL loans while the borrower is in school at least half time, in grace,        A
                 and during a period of authorized deferment.
              - Federal Consolidation loans for which the Lender received the application on/after 1/1/93 and prior to
                 8/10/93 during periods of authorized deferment.
              - Federal Consolidation loans comprised solely of subsidized Federal Stafford Loans for which the Lender
                 received the application on/after 8/10/93 and prior to 11/13/97, during periods of authorized deferment.
              - Federal Consolidation loans whose application was received after 11/13/97, interest benefits are paid on
                 the portion of the loan that repaid subsidized Federal Stafford, subsidized Federal Direct Stafford, FISL,
                 subsidized Federal Consolidation, and subsidized Federal Direct Consolidation loans, during periods of
                 authorized deferment.

orted:        A   Loan Type                     Provide the 2-letter code for the loan type being reported.
                                                SF - Federal Stafford (except Unsubsidized Stafford) and FISL
 quarter                                        CL - Federal Consolidation
                                                                                                                                B
 if the       B   Interest Rate                 Provide the interest rate (as a decimal) for loans or portions of loans on
                                                which you are billing interest for the quarter covered by this form, as         C
d by this                                       explained above. For loans made at rates other than those shown, make
                                                separate line entries for each actual rate used (up to 5 decimal places,
                                                then round). For lines showing an adjustment (Billing Code BI or BD),
                                                leave this column blank.
evious                                          - For 6.8% enter 0.068
                                                                                                                                D
                                                - For 8.25% enter 0.0825
previous

              C Billing Code                    Provide the code for the period and type of loan activity being reported:
                                                BC - Interest due to you for the current quarter
quarter                                         BI - Adjustment, resulting in a net increase in the interest due to you from
                                                previous quarters' billings
, if the                                        BD - Adjustment, resulting in net decrease in the interest due to you form      E
                                                previous quarters' billings
d by this
                                                For lines containing the codes BC or BI, you will receive an interest
                                                payment from ED. For lines containing the code BD, you will be charged
                                                for the amount owed to ED.
evious
                                                If an interest transaction occurred in the current quarter and an adjustment
previous                                        was made to it in the same quarter, report only the net result. Do not
                                                report the original action and the adjustment separately.

 fees. For                                      Use codes BI and BD to report adjustments to interest activity for all prior
ge you the                                      quarters combined, regardless of the loans' individual interest rates.
edit toward
ght or sold   D Ending Principal Balance        Enter the total unpaid principal balance outstanding on all loans or portions
 d by this
                                                 For lines containing the codes BC or BI, you will receive an interest
                                                 payment from ED. For lines containing the code BD, you will be charged
                                                 for the amount owed to ED.
 evious
                                                 If an interest transaction occurred in the current quarter and an adjustment
 previous                                        was made to it in the same quarter, report only the net result. Do not
                                                 report the original action and the adjustment separately.

 fees. For                                       Use codes BI and BD to report adjustments to interest activity for all prior
ge you the                                       quarters combined, regardless of the loans' individual interest rates.
edit toward
ght or sold     D Ending Principal Balance       Enter the total unpaid principal balance outstanding on all loans or portions
                                                 of loans eligible for interest benefits (whole dollars only) for the stated Loan
                                                 Type, Interest Rate and Billing Code combination, as of the last day of the
ment was                                         quarter covered by this form. Complete this column only for lines with
 eport the                                       Billing Code BC.
 hich can
code, the
 . When         E   Average Daily Principal      For each combination of Loan Type, Interest Rate and Billing Code, enter
made in all         Balance                      the average (whole dollars only) of the daily principal balances of all
 ior quarter.                                    eligible loans or portions of loans for the quarter covered by this form. This
                                                 is accomplished by adding the outstanding principal balance of all eligible
                                                 loans or portions of loans for each day in the quarter and dividing by the
 ne the fee                                      number of days in the quarter. This column must be completed for any line
                                                 with Billing Code BC.
008 for
n after that    F   Interest Amount              For each combination of Loan Type, Interest Rate and Billing Code enter
                    (Use only for adjustments)   to the nearest penny the amount of interest due you or owed to ED.
 015
                                                 Do not use Column F for interest due for the current quarter (Billing Code
 for periods                                     is BC). This column is required for adjustments (Billing Code is BI or BD).
  te:                                            Enter a positive number only. We will use the Billing Code to determine
 02                                              whether you are due interest or owe money to ED.


 2006 for
r that date:
s are 0.03

 llment that



 sed prior to

s 0.05
nce


 ubject to a
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ber 30,
e loan
ement.




 f loans.

 ns
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e loan
ement.




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ns

 006.
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ent




 amount of
rsement.
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d from the


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               F

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ed or




               G




               H

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               H

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m. This        I




 capitalized
t day of the
ust be the
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o for each
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(3h)
          Instructions for Part II - Interest Benefits

 of       This part is divided into 6 columns. When billing for interest for the quarter covered by the form,                 This p
pleted,   (Billing Code BC), make separate line entries for each different loan type and allowable interest rate.             Billing
ate       Columns A-E must be completed. Column F, Interest Amount, is for reporting adjustments only.                        Rate.
ble. If                                                                                                                       of the
f each    When billing for all other codes (BI and BD), make separate line entries for each type of adjustment.
          Complete columns A, C, and F. Leave the other columns blank. If additional space is needed, make a                  Applic
          copy of the blank page and check the block at the bottom of each page.                                              FISL l
f the                                                                                                                         applic
period    Applicability: In general, ED will pay the interest due on:
          - Subsidized Federal Stafford and FISL loans while the borrower is in school at least half time, in grace,          A   Bi
             and during a period of authorized deferment.
          - Federal Consolidation loans for which the Lender received the application on/after 1/1/93 and prior to
             8/10/93 during periods of authorized deferment.
          - Federal Consolidation loans comprised solely of subsidized Federal Stafford Loans for which the Lender
             received the application on/after 8/10/93 and prior to 11/13/97, during periods of authorized deferment.
          - Federal Consolidation loans whose application was received after 11/13/97, interest benefits are paid on
             the portion of the loan that repaid subsidized Federal Stafford, subsidized Federal Direct Stafford, FISL,
             subsidized Federal Consolidation, and subsidized Federal Direct Consolidation loans, during periods of
             authorized deferment.

d:        A   Loan Type                       Provide the 2-letter code for the loan type being reported.
                                              SF - Federal Stafford (except Unsubsidized Stafford) and FISL
arter                                         CL - Federal Consolidation
                                                                                                                              B   Ca
he        B   Interest Rate                   Provide the interest rate (as a decimal) for loans or portions of loans on
                                              which you are billing interest for the quarter covered by this form, as         C Q
 this                                         explained above. For loans made at rates other than those shown, make
                                              separate line entries for each actual rate used (up to 5 decimal places,
                                              then round). For lines showing an adjustment (Billing Code BI or BD),
                                              leave this column blank.
ous                                           - For 6.8% enter 0.068
                                                                                                                              D Lo
                                              - For 8.25% enter 0.0825
vious

          C Billing Code                      Provide the code for the period and type of loan activity being reported:
                                              BC - Interest due to you for the current quarter
rter                                          BI - Adjustment, resulting in a net increase in the interest due to you from
                                              previous quarters' billings
he                                            BD - Adjustment, resulting in net decrease in the interest due to you form      E   Sp
                                              previous quarters' billings                                                         Al
 this                                                                                                                             Ca
                                              For lines containing the codes BC or BI, you will receive an interest
                                              payment from ED. For lines containing the code BD, you will be charged
                                              for the amount owed to ED.
ous
                                              If an interest transaction occurred in the current quarter and an adjustment
vious                                         was made to it in the same quarter, report only the net result. Do not
                                              report the original action and the adjustment separately.

s. For                                        Use codes BI and BD to report adjustments to interest activity for all prior
ou the                                        quarters combined, regardless of the loans' individual interest rates.
toward
or sold   D Ending Principal Balance          Enter the total unpaid principal balance outstanding on all loans or portions
 this                                                                                                                          Ca
                                            For lines containing the codes BC or BI, you will receive an interest
                                            payment from ED. For lines containing the code BD, you will be charged
                                            for the amount owed to ED.
ous
                                            If an interest transaction occurred in the current quarter and an adjustment
vious                                       was made to it in the same quarter, report only the net result. Do not
                                            report the original action and the adjustment separately.

s. For                                      Use codes BI and BD to report adjustments to interest activity for all prior
ou the                                      quarters combined, regardless of the loans' individual interest rates.
toward
or sold    D Ending Principal Balance       Enter the total unpaid principal balance outstanding on all loans or portions
                                            of loans eligible for interest benefits (whole dollars only) for the stated Loan
                                            Type, Interest Rate and Billing Code combination, as of the last day of the
 t was                                      quarter covered by this form. Complete this column only for lines with
 rt the                                     Billing Code BC.
h can
e, the
  hen      E   Average Daily Principal      For each combination of Loan Type, Interest Rate and Billing Code, enter
e in all       Balance                      the average (whole dollars only) of the daily principal balances of all
quarter.                                    eligible loans or portions of loans for the quarter covered by this form. This
                                            is accomplished by adding the outstanding principal balance of all eligible
                                            loans or portions of loans for each day in the quarter and dividing by the
he fee                                      number of days in the quarter. This column must be completed for any line
                                            with Billing Code BC.
for
er that    F   Interest Amount              For each combination of Loan Type, Interest Rate and Billing Code enter
               (Use only for adjustments)   to the nearest penny the amount of interest due you or owed to ED.

                                            Do not use Column F for interest due for the current quarter (Billing Code
periods                                     is BC). This column is required for adjustments (Billing Code is BI or BD).
                                            Enter a positive number only. We will use the Billing Code to determine
                                            whether you are due interest or owe money to ED.


06 for
at date:
e 0.03

ent that



prior to

05



ect to a
ed


30,
an
ent.




ans.
ed


30,
an
ent.




ans.



 .
 d
92 –

ter

for




ount of
ment.
o you.
m the


bought
Fee
ents
           F   In

not

r




           G En
             Pr
             Ba


           H Av
             Pr
ur           Ba
interest
This       I   Ad
               fo
               in
               Da
               Ba
            H Av
              Pr
 ur           Ba
 interest
 This       I   Ad
                fo
                in
                Da
                Ba




pitalized
 y of the
be the
 orm.

ance


  This
 bursed
or to
e
ced



 ich
 am

where.




 ich
gram


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ough
 aid in



ding

d

 prior
 ded


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ds
 d

 d SLS
d

 prior
 ded


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ds
 d

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r each
nclude
  which


 ns,
ounts in




dized
 lude
 school
ed in
 ,




  in a
ace
er or
 ea
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e 3h.


 s must


 )
s must


)
form,         This part is divided into 9 columns. Make separate line entries for each different combination of
 est rate.    Billing Code, Calendar Year, Quarter Code, Loan Type, Special Allowance Category, and Interest
only.         Rate. These first 6 columns must always be completed. If additional space is needed, make a copy
              of the blank page and check the block at the bottom of each page.
ustment.
ed, make a    Applicability: In general, special allowance may be paid on all loans, except certain Federal Stafford and
              FISL loans and any “HEAL” portion of a Consolidation loan. For loans disbursed on/after 4/1/06, if the
              applicable interest rate exceeds the market rate, the lender may owe funds back the government.

 grace,       A   Billing Code     Provide the code for the period and type of loan activity being reported:

 rior to                           BC - Special allowance due/owed for the current quarter
                                   BI - Adjustment resulting in a net increase in the special allowance previously
he Lender                          paid/collected for a given quarter
 erment.                           BD - Adjustment resulting in a net decrease in the special allowance previously
 e paid on                         paid/collected for a given quarter
 rd, FISL,
eriods of                          For lines containing the codes BC and BI, YOU may receive a payment from ED. For a
                                   line containing the code BD, YOU may be charged for the amount owed to ED. If a
                                   transaction occurred in the current quarter and an adjustment was made in the same
                                   quarter, only report the net result.


              B   Calendar Year    Provide the year being reported (e.g. 2006)
  ans on
 , as         C Quarter Code       Provide the digit for the quarter being reported:
wn, make
places,                            1- March 31     3 – September 30
 r BD),                            2 - June 30     4 – December 31

              D Loan Type          Provide the 2-letter code for the loans being reported:
                                   SF - Federal Stafford (except Unsubsidized Stafford) and FISL
                                   SL - Federal SLS
                                   PL - Federal PLUS
ported:                            CL - Federal Consolidation
                                   SU - Unsubsidized Stafford
 you from

 you form     E   Special          Provide the code for the loans being reported:
                  Allowance        SA - For loans made prior to 10/1/81.
                  Category                (Tax-exempt loans during this period use XA)
est
charged                            SB - For Stafford (subsidized) and PLUS loans made on/after 10/1/81 but prior to
                                   10/17/86, or loans made on/after 10/17/86 but prior to 11/16/86 for periods of
                                   enrollment beginning prior to 11/16/86. Also, for Consolidation loans made on/after
adjustment                         10/1/81 but prior to 11/16/86. (Tax-exempt loans during this period use XB)
o not
                                   SC -    Used for sequester periods only.
                                           (Tax-exempt loans during this period use XC)
r all prior
tes.                               SD -    For Stafford (subsidized) and PLUS/SLS loans made on/after 10/17/86 but prior
                                           to 11/16/86 for periods of enrollment beginning on/after 11/16/86. Also, for
or portions                                Stafford (subsidized), PLUS/SLS and Consolidation loans made on/after
               Category          (Tax-exempt loans during this period use XA)
est
charged                   SB - For Stafford (subsidized) and PLUS loans made on/after 10/1/81 but prior to
                          10/17/86, or loans made on/after 10/17/86 but prior to 11/16/86 for periods of
                          enrollment beginning prior to 11/16/86. Also, for Consolidation loans made on/after
adjustment                10/1/81 but prior to 11/16/86. (Tax-exempt loans during this period use XB)
o not
                          SC -   Used for sequester periods only.
                                 (Tax-exempt loans during this period use XC)
r all prior
tes.                      SD -   For Stafford (subsidized) and PLUS/SLS loans made on/after 10/17/86 but prior
                                 to 11/16/86 for periods of enrollment beginning on/after 11/16/86. Also, for
or portions                      Stafford (subsidized), PLUS/SLS and Consolidation loans made on/after
tated Loan                       11/16/86 but prior to 10/1/92. Also, for Stafford (unsubsidized) loans made prior
day of the                       to 10/1/92 for periods of enrollment beginning on/after 10/1/92.
s with                           (Tax-exempt loans during this period use XB)

                          SE -   For Stafford loans made on/after 10/1/92 but prior to 7/1/94, regardless of the
                                 enrollment period, or loans made after 7/1/94 for an enrollment period ending
 de, enter                       prior to 7/1/94. Also, for PLUS loans made on/after 10/1/92 but prior to 7/1/94.
 f all                           Also, for SLS loans made on/after 10/1/92 but prior to 7/1/94; or certified before
 form. This                      7/1/94 and disbursed after 7/1/94. Also, for Consolidation loans made on/after
all eligible                     10/1/92 and those for which the loan application was received by an eligible
g by the                         lender prior to 11/13/97.
for any line                     (Tax-exempt loans during this period use XE)

                          SG -   For Stafford loans made on/after 7/1/94 but prior to 7/1/95, or loans made
de enter                         on/after 7/1/95 but prior to 7/1/98 during periods of repayment or forbearance.
ED.                              Also, for PLUS loans made on/after 7/1/94 but prior to 7/1/98. Also, for
                                 Consolidation loans for which the loan application was received by an eligible
ing Code                         lender on/after 11/13/97 but prior to 10/1/98.
BI or BD).                       (Tax-exempt loans during this period use XG)
termine
                          SH -   For Stafford loans made on/after 7/1/95 but prior to 7/1/98 only during the in-
                                 school, grace and deferment periods. Also, for PLUS loans made on/after
                                 7/1/98 but prior to 1/1/2000.
                                 (Tax-exempt loans during this period use XH)

                          SJ -   For Stafford loans made on/after 7/1/98 but prior to 1/1/2000 only during the in-
                                 school, grace and deferment periods.
                                 (Tax-exempt loans during this period use XJ)

                          SK -   For Stafford loans made on/after 7/1/98 but prior to 1/1/2000 only during the
                                 repayment and forbearance periods.
                                 (Tax-exempt loans during this period use XK)

                          SL -   Consolidation loans made on/after 10/1/98 but prior to 1/1/2000.
                                 (Tax-exempt loans during this period use XL)

                          CA -   Stafford loans made on/after 1/1/2000 but prior to 3/31/06, only during the in-
                                 school, grace and deferment periods.
                                 (Tax-exempt loans during this period use XJ)

                          CB -   Stafford loans made on/after 1/1/2000 but prior to 3/31/06, only during the
                      CB -   Stafford loans made on/after 1/1/2000 but prior to 3/31/06, only during the




F   Interest Rate     Provide the applicable interest rate (as a decimal) for each group of loans. Allowable
                      rates are from 3% (enter as .03) - .25. For Consolidation loans made on or after
                      October 1, 1998, the allowable rates are from 3% - 8.25%. Other allowable rates:

                             EVAR - for variable Federal Stafford and Unsubsidized Stafford, PLUS, and
                             SLS loans made on or after 10/1/92 – 6/30/06 and Consolidation loans made
                             during the "Emergency Consolidation Loan Act"
                             CVAR - for Federal PLUS and SLS loans made in 1986-7 where the interest
                             rate changes each January 1
                             FVAR7, FVAR8, FVAR9, FVAR10, and FVARX - respectively for converted
                             fixed rate loans of 7%, 8%, 9%, 10% and 8/10%
                             VAR – for variable rate, PLUS and SLS loans made prior to 10/1/92

G Ending              Provide the total unpaid principal balance outstanding on all loans eligible for special
  Principal           allowance (whole dollars only) for the stated combination of entries in columns A-F, as
  Balance             of the last day of the quarter covered by this form. Complete this column for Billing
                      Code BC only.

H Average Daily       For each combination of columns A through F, provide the average daily principal
  Principal           balance (whole dollars only) of all eligible loans for the quarter. Complete this column
  Balance             for Billing Code BC only.

I   Adjustments       Provide the difference in the Average Daily Principal Balance (whole dollars only,
    for Difference    positive number) between what should have been reported and what was originally
    in Average        reported. Complete this column for a Billing Code of BI or BD only.
    Daily Principal
    Balance
H Average Daily       For each combination of columns A through F, provide the average daily principal
  Principal           balance (whole dollars only) of all eligible loans for the quarter. Complete this column
  Balance             for Billing Code BC only.

I   Adjustments       Provide the difference in the Average Daily Principal Balance (whole dollars only,
    for Difference    positive number) between what should have been reported and what was originally
    in Average        reported. Complete this column for a Billing Code of BI or BD only.
    Daily Principal
    Balance
         Instructions for Part III - Special Allowance

         This part is divided into 9 columns. Make separate line entries for each different combination of
ate.     Billing Code, Calendar Year, Quarter Code, Loan Type, Special Allowance Category, and Interest
         Rate. These first 6 columns must always be completed. If additional space is needed, make a copy
         of the blank page and check the block at the bottom of each page.
ent.
 ake a   Applicability: In general, special allowance may be paid on all loans, except certain Federal Stafford and
         FISL loans and any “HEAL” portion of a Consolidation loan. For loans disbursed on/after 4/1/06, if the
         applicable interest rate exceeds the market rate, the lender may owe funds back the government.

e,       A   Billing Code      Provide the code for the period and type of loan activity being reported:

o                              BC - Special allowance due/owed for the current quarter
                               BI - Adjustment resulting in a net increase in the special allowance previously
nder                           paid/collected for a given quarter
 nt.                           BD - Adjustment resulting in a net decrease in the special allowance previously
d on                           paid/collected for a given quarter
 SL,
s of                           For lines containing the codes BC and BI, YOU may receive a payment from ED. For a
                               line containing the code BD, YOU may be charged for the amount owed to ED. If a
                               transaction occurred in the current quarter and an adjustment was made in the same
                               quarter, only report the net result.


         B   Calendar Year     Provide the year being reported (e.g. 2006)
on
         C Quarter Code        Provide the digit for the quarter being reported:
 ake
s,                             1- March 31     3 – September 30
 ,                             2 - June 30     4 – December 31

         D Loan Type           Provide the 2-letter code for the loans being reported:
                               SF - Federal Stafford (except Unsubsidized Stafford) and FISL
                               SL - Federal SLS
                               PL - Federal PLUS
d:                             CL - Federal Consolidation
                               SU - Unsubsidized Stafford
 rom

orm      E   Special           Provide the code for the loans being reported:
             Allowance         SA - For loans made prior to 10/1/81.
             Category                 (Tax-exempt loans during this period use XA)

ged                            SB - For Stafford (subsidized) and PLUS loans made on/after 10/1/81 but prior to
                               10/17/86, or loans made on/after 10/17/86 but prior to 11/16/86 for periods of
                               enrollment beginning prior to 11/16/86. Also, for Consolidation loans made on/after
 ment                          10/1/81 but prior to 11/16/86. (Tax-exempt loans during this period use XB)

                               SC -   Used for sequester periods only.
                                      (Tax-exempt loans during this period use XC)
prior
                               SD -   For Stafford (subsidized) and PLUS/SLS loans made on/after 10/17/86 but prior
                                      to 11/16/86 for periods of enrollment beginning on/after 11/16/86. Also, for
rtions                                Stafford (subsidized), PLUS/SLS and Consolidation loans made on/after
          Category          (Tax-exempt loans during this period use XA)

ged                  SB - For Stafford (subsidized) and PLUS loans made on/after 10/1/81 but prior to
                     10/17/86, or loans made on/after 10/17/86 but prior to 11/16/86 for periods of
                     enrollment beginning prior to 11/16/86. Also, for Consolidation loans made on/after
 ment                10/1/81 but prior to 11/16/86. (Tax-exempt loans during this period use XB)

                     SC -   Used for sequester periods only.
                            (Tax-exempt loans during this period use XC)
prior
                     SD -   For Stafford (subsidized) and PLUS/SLS loans made on/after 10/17/86 but prior
                            to 11/16/86 for periods of enrollment beginning on/after 11/16/86. Also, for
 rtions                     Stafford (subsidized), PLUS/SLS and Consolidation loans made on/after
  Loan                      11/16/86 but prior to 10/1/92. Also, for Stafford (unsubsidized) loans made prior
 f the                      to 10/1/92 for periods of enrollment beginning on/after 10/1/92.
h                           (Tax-exempt loans during this period use XB)

                     SE -   For Stafford loans made on/after 10/1/92 but prior to 7/1/94, regardless of the
                            enrollment period, or loans made after 7/1/94 for an enrollment period ending
 nter                       prior to 7/1/94. Also, for PLUS loans made on/after 10/1/92 but prior to 7/1/94.
                            Also, for SLS loans made on/after 10/1/92 but prior to 7/1/94; or certified before
  This                      7/1/94 and disbursed after 7/1/94. Also, for Consolidation loans made on/after
gible                       10/1/92 and those for which the loan application was received by an eligible
 he                         lender prior to 11/13/97.
ny line                     (Tax-exempt loans during this period use XE)

                     SG -   For Stafford loans made on/after 7/1/94 but prior to 7/1/95, or loans made
nter                        on/after 7/1/95 but prior to 7/1/98 during periods of repayment or forbearance.
                            Also, for PLUS loans made on/after 7/1/94 but prior to 7/1/98. Also, for
                            Consolidation loans for which the loan application was received by an eligible
ode                         lender on/after 11/13/97 but prior to 10/1/98.
BD).                        (Tax-exempt loans during this period use XG)
ne
                     SH -   For Stafford loans made on/after 7/1/95 but prior to 7/1/98 only during the in-
                            school, grace and deferment periods. Also, for PLUS loans made on/after
                            7/1/98 but prior to 1/1/2000.
                            (Tax-exempt loans during this period use XH)

                     SJ -   For Stafford loans made on/after 7/1/98 but prior to 1/1/2000 only during the in-
                            school, grace and deferment periods.
                            (Tax-exempt loans during this period use XJ)

                     SK -   For Stafford loans made on/after 7/1/98 but prior to 1/1/2000 only during the
                            repayment and forbearance periods.
                            (Tax-exempt loans during this period use XK)

                     SL -   Consolidation loans made on/after 10/1/98 but prior to 1/1/2000.
                            (Tax-exempt loans during this period use XL)

                     CA -   Stafford loans made on/after 1/1/2000 but prior to 3/31/06, only during the in-
                            school, grace and deferment periods.
                            (Tax-exempt loans during this period use XJ)

                     CB -   Stafford loans made on/after 1/1/2000 but prior to 3/31/06, only during the
                             repayment and forbearance periods.
                            (Tax-exempt loans during this period use XK)

                     CC - Consolidation loans made on/after 1/1/2000 but prior to 3/31/06
                      CB -    Stafford loans made on/after 1/1/2000 but prior to 3/31/06, only during the




                              (Tax-exempt loans during this period use XL)

                      CD -     PLUS loans made on/after 1/1/2000 but prior to 3/31/06
                             (Tax-exempt loans during this period use XH. Note: Effective 4/1/06, these loans should
                             be reported as XQ)

                      CE - Stafford loans made on/after 4/1/2006-9/30/2007, only during the in-school, grace and
                             deferment periods. (Tax-exempt loans during this period use XM)

                      CF - Stafford loans made on/after 4/1/2006-9/30/2007, only during the repayment and
                             forbearance periods. (Tax-exempt loans during this period use XN)

                      CG - Consolidation loans made on/after 4/1/2006-9/30/2007.
                             (Tax-exempt loans during this period use XO)

                      CH - PLUS loans made on/after 4/1/2006-9/30/2007
                             (Tax-exempt loans during this period use XP)

                      CI -    Stafford loans made on/after 10/1/2007, only during the in-school, grace and
                             deferment periods

                      CJ - Stafford loans made on/after 10/1/2007, only during the repayment and forbearance periods

                      CK - Consolidation loans made on/after 10/1/2007

                      CM - PLUS loans made on/after 10/1/2007

F   Interest Rate     Provide the applicable interest rate (as a decimal) for each group of loans. Allowable
                      rates are from 3% (enter as .03) - .25. For Consolidation loans made on or after
                      October 1, 1998, the allowable rates are from 3% - 8.25%. Other allowable rates:

                              EVAR - for variable Federal Stafford and Unsubsidized Stafford, PLUS, and
                              SLS loans made on or after 10/1/92 – 6/30/06 and Consolidation loans made
                              during the "Emergency Consolidation Loan Act"
                              CVAR - for Federal PLUS and SLS loans made in 1986-7 where the interest
                              rate changes each January 1
                              FVAR7, FVAR8, FVAR9, FVAR10, and FVARX - respectively for converted
                              fixed rate loans of 7%, 8%, 9%, 10% and 8/10%
                              VAR – for variable rate, PLUS and SLS loans made prior to 10/1/92

G Ending              Provide the total unpaid principal balance outstanding on all loans eligible for special
  Principal           allowance (whole dollars only) for the stated combination of entries in columns A-F, as
  Balance             of the last day of the quarter covered by this form. Complete this column for Billing
                      Code BC only.

H Average Daily       For each combination of columns A through F, provide the average daily principal
  Principal           balance (whole dollars only) of all eligible loans for the quarter. Complete this column
  Balance             for Billing Code BC only.

I   Adjustments       Provide the difference in the Average Daily Principal Balance (whole dollars only,
    for Difference    positive number) between what should have been reported and what was originally
    in Average        reported. Complete this column for a Billing Code of BI or BD only.
    Daily Principal
    Balance
H Average Daily       For each combination of columns A through F, provide the average daily principal
  Principal           balance (whole dollars only) of all eligible loans for the quarter. Complete this column
  Balance             for Billing Code BC only.

I   Adjustments       Provide the difference in the Average Daily Principal Balance (whole dollars only,
    for Difference    positive number) between what should have been reported and what was originally
    in Average        reported. Complete this column for a Billing Code of BI or BD only.
    Daily Principal
    Balance
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                                                                                     CRI Chapter 7 - ED Form 799 / LaRS
                                                                                              Interest Rate Chart




                                                         RATE            10/01/92     07/01/93 07/01/94 07/01/95 07/01/96 07/01/97              07/01/98   07/01/99   07/01/00   07/01/01   07/01/02     07/01/03   07/01/04 07/01/05 07/01/06 07/01/07
                                                         CAP             06/30/93    06/30/94 06/30/95 06/30/96 06/30/97 06/30/98               06/30/99   06/30/00   06/30/01   06/30/02   6/30/2003   6/30/2004   6/30/2005 6/30/2006 6/30/2007 6/30/2008
ANNUAL VARIABLE RATES: (A)
LOANS FROM 10/1/92 TO 6/30/94 IF 1ST
 LOAN IS ON/AFTER 10/1/92 (A)                                9%              6.94%      6.22%      7.43%        8.92%     8.26%        8.26%      8.26%      7.72%      8.99%      6.79%       4.86%       4.22%       4.17%     6.10%     7.94%     8.02%

ALL LOANS FROM 7/1/94 TO 6/30/95 (A)                     8.25%                                     7.43%        8.25%     8.25%        8.25%      8.25%      7.72%      8.25%      6.79%       4.86%       4.22%       4.17%     6.10%     7.94%     8.02%

ALL LOANS FROM 7/1/95 TO 6/30/98:
        INTERIM/DEFER'T (G)                              8.25%                                                  8.25%     7.66%        7.66%      7.66%      7.12%      8.25%      6.19%       4.26%       3.62%       3.57%     5.50%     7.34%     7.42%
        RPMT/FORB (A)                                    8.25%                                                  8.25%     8.25%        8.25%      8.25%      7.72%      8.25%      6.79%       4.86%       4.22%       4.17%     6.10%     7.94%     8.02%

ALL LOANS FROM 7/1/98 TO 6/30/06:
        INTERIM/DEFER'T (N)                              8.25%                                                                                    6.86%      6.32%      7.59%      5.39%       3.46%       2.82%       2.77%     4.70%     6.54%     6.62%
        RPMT/FORB (J)                                    8.25%                                                                                    7.46%      6.92%      8.19%      5.99%       4.06%       3.42%       3.37%     5.30%     7.14%     7.22%

FIXED RATE LOANS: (F)
STAFFORD LOANS ON/ AFTER 7/1/06:                                                                                                                                                                                                           6.80%     6.80%

MADE BEFORE 7/23/92 (F)                                  7,8,9%           7,8,9%     7,8,9%       7,8,9%       7,8,9%    7,8,9%       7,8,9%      7,8,9%     7,8,9%     7,8,9%     7,8,9%      7,8,9%      7,8,9%     7,8,9%    7,8,9%     7,8,9%    7,8,9%

MADE ON/AFTER 7/23/92 AND CON-
 VERTED TO A VARIABLE RATE (A)
             7% ***                                          7%              7.00%      7.00%      7.00%        7.00%     7.00%        7.00%      7.00%      7.00%      7.00%      6.79%       4.86%       4.22%       4.17%     6.10%     7.00%     7.00%
             8% ***                                          8%              8.00%      8.00%      7.43%        8.00%     8.00%        8.00%      8.00%      7.72%      8.00%      6.79%       4.86%       4.22%       4.17%     6.10%     7.94%     8.00%
             9% ***                                          9%              9.00%      9.00%      7.43%        8.92%     8.26%        8.26%      8.26%      7.72%      8.99%      6.79%       4.86%       4.22%       4.17%     6.10%     7.94%     8.02%

8/10 PERCENT LOANS (V)
REPEAT LOANS ON/AFTER 7/23/92:
  THRU 1ST 4 YEARS OF RPMT (A) ***                           8%              8.00%     8.00%       7.43%        8.00%     8.00%        8.00%      8.00%      7.72%      8.00%      6.79%       4.86%       4.22%       4.17%     6.10%     7.94%     8.00%
  AFTER 4 YEARS OF RPMT (A)                                 10%             n/a        n/a         n/a          n/a       8.26%        8.26%      8.26%      7.72%      8.99%      6.79%       4.86%       4.22%       4.17%     6.10%     7.94%     8.02%

ALL 8/10'S MADE BEFORE 7/23/92 AND
 1ST 8/10'S MADE 7/23/92 TO 9/30/92:
    THRU 1ST 4 YEARS OF RPMT (V)                             8%              8.00%      8.00%      8.00%        8.00%     8.00%        8.00%      8.00%      8.00%      8.00%      8.00%       8.00%       8.00%       8.00%     8.00%     8.00%     8.00%
    AFTER 4 YEARS OF RPMT (H) ***                           10%             10.00%      6.37%      7.58%        9.07%     8.41%        8.41%      8.41%      7.87%      9.14%      6.94%       5.01%       4.37%       4.32%     6.25%     8.09%     8.17%

PLUS/SLS
LOANS DISB ON/AFTER 7/1/06:                                                                                                                                                                                                                8.50%     8.50%

LOANS MADE 7/1/98 TO 6/30/06:                                9%              0.00%            0            0        0             0        0      8.26%      7.72%      8.99%      6.79%       4.86%       4.22%       4.17%     6.10%     7.94%     8.02%

LOANS ON/AFTER 10/1/92 TO 6/30/94:       10%/11%                             7.36%       6.64        8.38         8.98      8.72         8.98     8.53%      7.98%      9.48%      6.56%       5.23%       4.05%       5.26%     6.50%     8.34%     8.05%
LOANS ON/AFTER 7/1/94 TO 6/30/98:            9%                              7.36%       6.64        8.38         8.98      8.72         8.98     8.53%      7.98%      9.00%      6.56%       5.23%       4.05%       5.26%     6.50%     8.34%     8.05%
ON/AFTER 7/1/87 BUT BEFORE 10/1/92:         12%                              7.51%       6.79        8.53         9.13      8.87         9.13     8.68%      8.13%      9.63%      6.71%       5.38%       4.20%       5.41%     6.65%     8.49%     8.20%
       7/1/87-6/30/88              10.27
       7/1/88-6/30/89              10.45
       7/1/89-6/30/90              12.00
       7/1/90-6/30/91              11.49
       7/1/91-6/30/92               9.34
       7/1/92-6/30/93               7.51

LOANS MADE 11/1/82 TO 6/30/87                               12%
LOANS MADE 10/1/81 TO 10/30/82                              14%

CONSOLIDATION LOANS
LOANS MADE 11/13/97 TO 10/1/98                           8.25%                                                                         8.25%      8.25%      7.72%      8.25%      6.79%       4.86%       4.22%       4.17%     6.10%     7.94%     8.02%

HEAL LOANS
LOANS MADE ON OR AFTER 11/13/97                          NONE                                                                          8.21%      8.13%      7.60%      8.94%      6.77%       4.75%       4.06%       4.12%     5.94%     7.83%     7.90%

*** Loans made at 7,8,9 % and 8/10% between 7/23/92 and 6/30/94 were
    converted to an annual variable rate on or about 12/31/94. Interest billed
    to borrowers and ED between 7/92 and the conversion date was recalculated
    using quarterly rates established by ED and refunds paid to ED and borrowers.
                                          CRI Chapter 7 - ED Form 799 / LaRS

                        COMMOM SPECIAL ALLOWANCE CODES                           SA Factors

STAFFORD                SA     Loans made before 10-1-81                              3.50%
                        SB     Loans made 10-1-81 to 11-16-86                         3.50%
SF= Sunbsidized         SC     Sequester loans
SU=Unsubsidized         SD     Loans made 11-16-86 thru 9-30-92                       3.25%
                        SE     Loans made 10-1-92 thru 6-30-94                        3.10%
                        SG     Loans made 7-1-94 thru 6-30-95 &                       3.10%
                                Loans made 7-1-95 thru 6-30-98 in RPMT/FORB
                        SH     Loans made 7-1-95 thru 6-30-98 in INTERIM              2.50%
                        SJ     Loans made 7-1-98 thru 12-31-99 in INTERIM             2.20%
                        SK     Loans made 7-1-98 thru 12-31-99 in RPMT/FORB           2.80%
                        CA     Loans made 1-1-2000 thru 3-31-2006 in INTERIM          1.74%
                        CB     Loans made 1-1-2000 thru 3-31-2006 in RPMT/FORB        2.34%
                        CE     Loans made 4-1-2006 thru 9-30-2007 in INTERIM          1.74%
                        CF     Loans made 4-1-2006 thru 9-30-2007 in RPMT/FORB        2.34%
                        CI     Loans made 10-1-2007 thru Present in INTERIM           1.19%
                        CI     Loans made 10-1-2007 thry Present in INTERIM           1.34%
                        CJ     Loans made 10-1-2007 thru Present in RPMT/FORB         1.79%
                        CJ     Loans made 10-1-2007 thru Present in RPMT/FORB         1.94%

PLUS/SLS                SA     Loans made before 10-1-81                              3.50%
                        SB     Loans made 10-1-81 to 11-16-86                         3.50%
 PL                     SC     Sequester loans
                        SD     Loans made 11-16-86 thru 9-30-92                       3.25%
                        SE     Loans made 10-1-92 thru 6-30-94                        3.10%
                        SG     Loans made 7-1-94 thru 6-30-98                         3.10%
                        SH     Loans made 7-1-98 thru 12-31-99                        2.50%
                        CD     Loans made 1-1-2000 thru 3-31-2006                     2.64%
                        CH     Loans made 4-1-2006 thru 9-30-2007                     2.64%
                        CM     Loans made 10-1-2007 thru Present                      1.79%
                        CM     Loans made 10-1-2007 thru Present                      1.94%

CONSOLIDATION           SA     Loans made before 10-1-81                              3.50%
                        SB     Loans made 10-1-81 to 11-16-86                         3.50%
CL                      SC     Sequester loans
                        SD     Loans made 11-16-86 thru 9-30-92                       3.25%
                        SE     Loans made 10-1-92 thru 11-12-97                       3.10%
                        SG     Loans made 11-13-97 thru 9-30-98                       3.10%
                        SL     Loans made 10-1-98 thru 12-31-99                       3.10%
                        CC     Loans made 1-1-2000 thru 3-31-2006                     2.64%
                        CG     Loans made 4-1-2006 thru 9-30-2007                     2.64%
                        CK     Loans made 10-1-2007 thru Present                      2.09%
                        CK     Loans made 10-1-2007 thru Present                      2.24%

***SA Rates can be a negative amount
S




    ***
    ***
    ***
        For-Profit Holder
    ***
        Non-Profit Holder
    ***
        For-Profit Holder
    ***
        Non-Profit Holder




    ***
    ***
        For-Profit Holder
    ***
        Non-Profit Holder




    ***
    ***
        For-Profit Holder
    ***
        Non-Profit Holder
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.
          Last day of Quarter                                            Always the last day of the last month in the quarter
 Prin Balance at end of previous quarter
          # of Days in the Year                                    365 Enter 365, 366 or 365.25
                                                                            NO.         INTERIM TOTAL                    Total        Interim Repayment
                           ST       TRAN AMT BALANCE                    DAYS           SUMBALS SUMBALS                   ADB            ADB            ADB
                           --       ---------------- ------------------ -------------- -------------- -------------- -------------------------------------------
BAL           01/00/00          1                                 0.00              1              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
TRN                             1                                     0             0              0              0
BAL           01/00/00          1                                     0             1              0              0         0.00           0.00          0.00


Instructions:
 Fill in Yellow boxes as needed and as explained below. Answers (ADB's) are in green.
    Cell
      E8      If you want interest to be calculated in L23, you must enter the interest rate here as a decimal.
      E9      Enter the first day of the quarter (e.g. 1-1-07 or 4-1-07 or 7-1-07 or 10-1-07)
     E10      Enter the last day of the quarter (e.g. 3-31-07; 6-30-07;9-30-07; 12-31-07)
     E11      Enter Principal Balance at end of previous quarter
     E12      Enter the # of days in the year as applicable: 365.25 or 365 or 366 for leap years.
    D16       If there is a disbursement or payment on first day of qtr, enter the principal amount here.

				
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posted:5/19/2011
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Description: Loan Calculator Grace Period document sample