Your Federal Quarterly Tax Payments are due April 15th Get Help Now >>

Simple Loan Application Form by lsg26357

VIEWS: 39 PAGES: 59

Simple Loan Application Form document sample

More Info
									                       State Of Utah - Department of Community and Culture
                         Division of Housing and Community Development
                                 Olene Walker Housing Loan Fund

                                     2009-2010 APPLICATION FORM

                                        Multifamily Affordable Housing
                                         Loan/Grant Assistance using
                                             Federal HOME Funds
                                                    And/Or
                                       State Low Income Housing Funds
                                    With or Without Other Federal Financing

                                         APPLICATION INFORMATION

The State of Utah - Department of Community and Culture - Division of Housing and Community Development
has created this multifamily application for developers to apply for assistance with affordable housing financing
through the Olene Walker Housing Loan Fund. Funding sources for the Olene Walker Housing Loan Fund
include annual appropriations from HUD, matching funds from the state of Utah, and program income realized
from previously-issued loans.

There are two additional tabs that can be seen below:
Tab two ("Income and Rent Limits & Amort") contains applicable rent, income, and mortgage limits applicable
to state and Federal low-income housing programs that are updated annually by HUD, usually in March or
April of each year. This application uses HOME rent, income, and mortgage limits that are effective
April 27, 2009, and will be updated again upon receipt of the new limits for 2010. Amortization tables for
all loans are also contained within this tab, and can be printed out if needed.
Tab three ("Proforma") contains a project proforma which will help the applicant determine what their project
cash flow is. OWHLF scoring criteria and information is discussed within the 2009-2010 Allocation Plan, and
the last page (26) of the application automatically scores the project to that criteria. Developers utilizing
HOME and/or state LIH funds for their projects should be aware of what effects these funds may have on their
projects in terms of restrictions and compliance issues, as well as if any other Utah participating jurisdictions
are providing HOME funding for their project (large cities over 100,000 in population such as Ogden, Salt Lake
City, Orem, etc., and counties over 1,000,000 in population such as Salt Lake County).

If you have any questions about this application, about the application process in general, or the availability of
OWHLF funding during a specific round, please contact the OWHLF staff as listed below:

                                   Shelli Goble, Assistant Housing Director
                                             Phone: 801-538-8653
                                           Email: shgoble@utah.gov
                                Daniel Herbert-Voss, Housing Program Specialist
                                             Phone: 801-538-8751
                                           Email: dhvoss@utah.gov



Last Updated November 3, 2009                       Page 1 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                           2009-2010 APPLICATION FORM
                                            APPLICATION INSTRUCTIONS

This application has been redesigned to be easier to read and to use, with fields that autocalculate applicable
amounts and program limits, and other features to simplify the application process. Please read these
instructions fully before you begin entering data.

1. The entire application is password-protected to prevent the unintentional deletion of formulas and key text.
Simply use the "Tab" key to move from one entry cell to another as project data is entered.

2. Cells requiring entries or performing calculations will have green bolded text; again, those cells that
contain formulas will be locked so unintentional deletion can be avoided. On drop-downs, if the text is red
bolded, this means that the answer selected is not correct; on calculation tables, it simply represents
subtraction of calculated amounts, such as subtracting applicable utility allowances from gross rental amounts
to arrive at net rental amounts.

3. The check boxes from the previous application have been eliminated, and in their place are simple drop-
down lists within the cells where you click on the cell to activate the list feature - there will be a small downward-
pointing arrow on the right side of the cell that you can use to make your list selection. Some of the lists
included are those where you can simply select "Yes" or "No", the county your project is located in ("Salt
Lake", "Weber", "Uintah", etc.), the type of project ("New Construction", "Acquisition/Rehabilitation", etc.), and
other applicable information.

               Examples:
General Info      Yes             16. Copy of General Information Notice to Tenants (acquisition/rehab only).
  Notice

               Project Scope/Type:                    Select One

               Additional Set-Aside Units:
                         Select one: Select one

4. If you plan to apply for Federal and/or state low-income housing tax credits ("LIHTC" or "Housing Credits")
in addition to Olene Walker Housing Loan Fund assistance, do not use this application, but contact Utah
Housing Corporation at 801-902-8200 or on-line at their website (www.utahhousingcorp.org) for a Housing
Credit consolidated application that contains an Olene Walker Housing Loan Fund application.

5. This application is set up to provide error messages if limits are exceeded or if there is a gap between
funding sources and project expenditures:

               Example: If the number of units entered in the project information does not equal the number of
                        units entered in the rent targeting analysis section, the following message will show:
                 <<CHECK # OF UNITS>>

6. Entry of text in some cases will be in formatted boxes that will automatically adjust and align text to avoid
the need to go back and format the text so that it will fit in the space provided.

7. If you have any questions about filling out this application, or about the program in general, please don't
hesitate to call Daniel Herbert-Voss at 801-538-8751 or by email at dhvoss@utah.gov.




Last Updated November 3, 2009                          Page 2 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                           2009-2010 APPLICATION FORM
                                             APPLICATION CHECKLIST

This completed checklist has been created for your convenience and should accompany the application
packet. Remember that all scoring items must be supported by third-party documentation.
Please Mark Boxes "Yes", "No", or "N/A":
 Executive                    1. An Executive Summary should precede the OWHLF application that will
 Summary
                                 provide specific information about the project, including a brief summary of
                                 the project, and any pertinent information about the project that you think
                                 should be considered in the OWHLF staff review of the application.
 Application                  2. Mail or deliver one application packet with exhibits in tabbed binder to:
    Packet
                                 Division of Housing and Community Development
                                 Olene Walker Housing Loan Fund
                                 ATTN: Daniel Herbert-Voss
                                 324 South State Street, Suite 500
                                 Salt Lake City, UT 84111
 Electronic                   3. Please submit one electronic version of this MS Excel application to
 Application
                                 dhvoss@utah.gov or include a copy on a CD with the application binder.
   Organiz                    4. Certified copies of the organizational documents of all entities involved in this
Documents
                                 project (Articles of Incorporation, Partnership Agreements, etc.).
Site Control                  5. Evidence of site control, Title Report/Policy, Environmental Study or Survey,
                                 and site location map.
 501(c)(3),                   6. Non-profits provide a copy of the IRS Determination Letter of Non-Profit
   Bylaws,
                                 Status, and a copy of the articles or bylaws evidencing that one of its exempt
    CHDO
                                 purposes is providing affordable housing. CHDOs please provide a
                                 designation certificate or letter attesting CHDO status from the state or HUD.
  Letters of                  7. Letters of Interest, Commitment Letters, or terms from each of the proposed
   Interest
                                 sources of funds, including grants, investors, and operating subsidies.
 Resumes,                     8. Resume(s) and current independently audited or certified financial
 Financials
                                 statement(s) of the sponsor(s).
     Utility                  9. Current utility allowance from applicable Public Housing Authority, HUD, or
 Allowance
                                 RD, or a signed statement from utility company(ies), or the EnergyStar rater's
                                 estimate.
   Zoning,                  10. Evidence of zoning from the applicable governmental authority and current
   Permits
                                 status, including procedures and time table for the project per conditional use
                                 permits ("CUP"), density, public meetings, etc.
   Related                  11. Certification that all profits and fees are reported and that there are no
     Party
                                 undisclosed "related party" transactions (submit Exhibit F-1).
    Market                  12. An independent third-party market study is required for ALL applications.
   Study

   CNA                            13. A Capital Needs Assessment ("CNA") is required for all rehabilitation projects.

   CRPs                           14. Copy of Community Revitalization Plan(s) and letter from applicable local
                                      government supporting and verifying that the project is consistent with CRP.
  Service                         15. Letter(s) from service provider(s) and/or referrers regarding interest and
 Providers
                                      capacity to service needs of special-needs tenants proposed in application.
   Seller                         16. Copy of Sellers' Disclosure Letter (acquisition of property only)
 Disclosure

  Notice                          17. Copy of General Information Notice to Tenants (acquisition/rehab only).

Last Updated November 3, 2009                           Page 3 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                               2009-2010 APPLICATION FORM
                                                  PROJECT INFORMATION
For DHCD Use Only
Application Received:           Date:
                                Time:
                                  By:

             ALL INFORMATION MUST BE COMPLETE OR APPLICATION WILL BE REJECTED

Date of Application:

Application Type:                                     If resubmitted, when original was submitted:

Project Name and Address:
Name

Address

City                                                      State          Utah            ZIP

County                                                Census Tract
                                        (use this website to find census tract by following instructions)   http://www.ffiec.gov/geocode/default.htm
Project located in a Metropolitan Statistical Area (MSA)?                                 No         (application will auto-calculate)


Project located in a HUD Hard-To-Develop Area?                                            No         (no DDA's in Utah presently)


Federal Congressional District                        State Senate District                         State House District

    U.S. Congressional Website          http://www.visi.com/juan/congress/


           State Senate Website         http://www.utahsenate.org/perl/distmapal.pl


           State House Website          http://www.le.utah.gov/house/DistrictInfo/NewMaps/State.htm


Other Federal Programs:                 USDA-RD

                                        HUD

Total HOME/LIH Initial and Extended-Use Period:                       #VALUE!         (application will auto-calculate)


Aggregate Area Median Income Served:                                                  AMI            (application will auto-calculate)


Project Scope/Type:

If New Construction, On Infill?

Please provide a copy of the most current independently-audited annual financial report to identify all sources
amount of funds for annual operating expenses and current programs (as noted in checklist item 8).




Last Updated November 3, 2009                                   Page 4 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                          2009-2010 APPLICATION FORM
                                         ORGANIZATIONAL INFORMATION

Applicant Information - General Partner or Sponsor of Project
Applicant Type

    Name                                                     a

              Address

                   City                                    State                         ZIP

      Contact Person                                       Email

                  Title                                     Cell

                Phone                                       Fax

Project Owner Information - Limited Partner or Operator of Project

          Legal Name

              Address

                   City                                    State                         ZIP

           Federal ID                                               Date Formed

             Signatory                                      Title

General Partner(s) and/or Officers:
Name(s):                                                 Phone(s):                    % Ownership:




Previous Olene Walker Housing Loan Fund Participation of General Partner and/or Applicant:
(if more than 10 projects, list just the ten most recent projects)
               Project Name:                           City:       Date of Application:  Project Status:




Last Updated November 3, 2009                        Page 5 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                        2009-2010 APPLICATION FORM
                                   ORGANIZATIONAL INFORMATION (Continued)

Development Team Information (Name/Company/Address):
         Developer
    General Partner
         Contractor
   Management Co
    Sponsoring Org
        Consultant
       Tax Attorney
    Tax Accountant

Are any of the development team members on HUD's Debarment List?
Are all development team members in good standing with OWHLF?

List any direct or indirect financial or other interest a member of the development team may have with another
member of the development team (enter "None" if there are no conflicts of interest):




Community Housing Development Organization ("CHDO") Information (if applicable):
To qualify for the CHDO set-aside funds, a non-profit applicant must materially participate in the development
and operation of the project throughout the compliance period (see Exhibit L in the Allocation Plan). The
following additional information must be provided:

                                1. Articles of Incorporation or bylaws evidencing that the tax-exempt purposes
                                   of the applicant includes the provision of decent, affordable housing.
                                2. Copy of the Internal Revenue Service determination letter as to applicant's
                                   status as a Internal Revenue Code Section 501(c) organization.
                     3. Please select "Yes" in the appropriate box for organization type:
                         501(c)(3) organization                        Exempt purposes include provision of
                                                                       decent, affordable housing
                         501(c)(4) Organization                        Tax-Exempt Government Agency

                         Exempt from tax under                         Other -
                         Section 501(a)
Describe the CHDO's participation in the development and operation of the project. List other activity or
involvement in affordable-housing projects. If allocation is made under the CHDO set-aside, the non-profit
activity must be significant and have real benefit to the project and the population served.




Last Updated November 3, 2009                        Page 6 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                          2009-2010 APPLICATION FORM
                                        NOTIFICATION OF LOCAL OFFICIALS

              Name of Political Jurisdiction
                            Name of Mayor
      Name of Chief Administrative Officer
                 Title                                             Phone
             Address                                               E-Mail
                 City                                    State Utah                     ZIP
        Name of Zoning Official                                      Title
              Phone                                       Fax
              E-Mail
Does this community have a Community Revitalization Plan?
           Plan and letter of support is provided?

                                             PROJECT INFORMATION

Project Characteristics:                            Elevator                           # Units
     Number of floors (not including basement/garage)                     Number of covered parking stalls
        Building type                                        if "other" -
        Type of units
 Number of buildings                               Type of construction
          Project type                            If new construction -
    If assisted living:              Population type
                                     License type
Additional Set-Aside Units:
          Select one:                                                     # Units:
          Select one:                                                     # Units:
          Select one:                                                     # Units:
            Large family (3BR or more)                                    # Units:
            Fully-accessible Type A physical-handicap units               # Units:
            Adaptable Type B physical-handicap units                      # Units:
            (Architectural requirements for ADA units are discussed in the Allocation Plan)
                          Project has entered into a Memorandum of Understanding with the local Public
            Housing Authority to accept qualified Section 8 tenants
Project Amenities:
Common area building(s):
Other common area:
    Total area (sq ft):              (enter sq ft of common area)
            Playground                           Air conditioning                   Covered parking
            Community Facility                   Internet connections               Vented bathroom (required)
            Daycare                              Laundry hookups                    Vented range hood
            Life skills training                 Education                          Other -

Total floor square ft:              0                    Building common area sq ft:                   0
Residential square ft:              0                    Commercial area square ft:

Amenities are exclusively for non-fee tenant use. One covered parking space per unit minimum, unless there
is less than one parking stall per unit for the entire project.


Last Updated November 3, 2009                        Page 7 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                               2009-2010 APPLICATION FORM
             ENERGY STAR INFORMATION AND UPGRADES, GREEN BUILDING STANDARDS

All completed projects must be EnergyStar per OWHLF policy. An analysis must be prepared by an
independent EnergyStar rater - enclose copy of initial analysis in application packet. If project is not expected
to cost-effectively achieve EnergyStar thresholds, a request for a waiver can be submitted. Waivers are
granted only if all the rater's recommended and cost-effective measures (with <= 15-year payback) are
to be implemented and the project still will not meet the EnergyStar threshold. OWHLF-assisted
projects are not required to meet a recognized standard or criteria for being "green". However, DHCD
welcomes projects that meet "green" standards or criteria such as The Enterprise Foundation's Green
Communities Checklist or the LEED Certification.
List of Utah-qualified independent EnergyStar raters:                                  http://www.utahenergy.org
For projects of 3 stories or fewer only:
           Is project in a Rocky Mountain Power service area?                     http://www.rockymountainpower.net
            Rebates are available from Rocky Mountain Power and must be included as a source of financing, if applicable.
            Is project in a Questar Gas service area?                                                  http://www.thermwise.com/
            Rebates are available from Questar Gas and must be included as a source of financing, if applicable.
                Initial Analyst HERS Score:              (based on initial review of plans/specifications or before rehab)
             Estimated HERS Final Score:                 (estimated score after completion w/energy improvements)
           Project to be built/rehabilitated to EnergyStar 86/80 threshold:
For projects greater than 3 stories:
           Contact Mike Glenn at 801-538-8666 for specific rating details and procedures.
Estimated total cost of EnergyStar upgrades (from analyst report):                                           $0.00
           Average cost per unit:                            # Units:          0
Estimated total annual value of energy savings (from analyst report):                                        $0.00
           Average savings/unit per year:                     Allocation Plan Payback term:                      15 years
                                                               Length of OWHLF loan term:                          0 years
Estimated total value of savings: Payback:                     $0.00         OWHLF loan term:                              $0.00
           Savings-to-investment ratio (Allocation Plan 15-year payback term):                                        :1
           Savings-to-investment ratio (OWHLF full loan term):                                                        :1

           CALCULATION OF FEDERAL HOME/STATE LIH COMPLIANCE MONITORING PERIOD

               Rental Housing Activity        Per-Unit Cost     Minimum Period of Affordability
          Rehabilitation/Acquisition         Under $15,000                5 years
          Rehabilitation/Acquisition        $15,000 - $40,000            10 years
          Rehab/Acq w/Refinancing             Over $40,000               15 years
          All New Construction                     No                    20 years
       HOME/LIH Per-Unit Cost:         #VALUE!           Minimum Compliance Period:       #VALUE!

             PROJECT VALUATION, CONSTRUCTION COSTS, CAPITAL NEEDS ASSESSMENT

This section applicable to rehabilitation or acquisition/rehabilitation projects only:
Value of property as documented:       Actual purchase price (without acq or other fees)
  Market/unencumbered rent value "as is"                               After completion
  Restricted/encumbered rent value "as is"                             After completion
                                     Market/unencumbered rent value after stabilization
                                     Restricted/encumbered rent value after stabilitation
Total Capital Needs Assessment Estimate:                             CNA as % of Total Dev Costs
     Total Hard Construction & Site Costs:          $0                  Const Costs as % of CNA

Last Updated November 3, 2009                                Page 8 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                          2009-2010 APPLICATION FORM
                                                SITE INFORMATION

Site Control and Related Study(ies):
Are all parcels for proposed site under control?
If "Yes", what form:                                              Expiration date:
Is there a current appraisal for the site?
Is there a current title report for the site?
Is a complete comprehensive market study attached?
If rehabilitation of existing project, is the required Capital Needs Assessment attached?
Environmental Study (select "Yes" in one box):
Lender/Investor has determined that study is not needed
Phase I or II and/or habitat study required, but not completed
Phase I or II and/or habitat study completed with no outstanding issues
Phase I or II and/or habitat study completed with outstanding issues
Site Ownership:
Will land be contributed by owner?
Has owner held title to land longer than 10 years?
When was land purchased:                            (year)
             Cost of Land:                                             Site Area:              acres
                                                                                               sq feet
            Name of Seller
             Address
                 City                                          State                     ZIP

Zoning Status:
Does zoning permit multiple residential use consistent with the proposed project?
Has final density been approved?
              Units per acre:
Has project been approved by all applicable public organizations?
Project is fully entitled and all approvals obtained, and permits can be issued.
Construction has commenced.
Parking requirements - number of stalls approved per unit:
If there is more than one parcel, are all parcels properly zoned?
Are all utilities presently available on the site?
If "No", please explain which utilities need to be brought on site, distance, and estimated cost:




If the project requires road infrastructure to be built, specify the distance, specifications, and estimated cost:




Last Updated November 3, 2009                         Page 9 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                          2009-2010 APPLICATION FORM
                                          SITE INFORMATION (Continued)

Acquisition of Existing Buildings:
How many buildings will be acquired for the project?
Are all of the buildings currently under control for the project?
If "No", how many of the buildings are currently under control?                   Year Built
Is an appraisal enclosed with this application?
Is there an operating/rent subsidy that remains with the project?
             Type of program:                                          Contract #
             # Contracted Units:                           Contract term:                    years
If project has multiple buildings, please list those under control:
         Bldg ID Number or Address                 Type of Control      # Units     Acquisition Cost




                                                               Totals      0                           $0

Provide the following information regarding the acquisition of building(s) for this project:
           Building(s) acquired or to be acquired from:

Relocation of Existing Residents:
Does this project involve any relocation of tenants?
If "Yes", please describe the proposed relocation assistance:




Is a current rent roll provided with this application?



Last Updated November 3, 2009                            Page 10 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                     2009-2010 APPLICATION FORM
                          DETAILED PROJECT CONSTRUCTION COST BREAKDOWN

Date of Bid or Estimate:
Description of Construction Category:                                         Budgeted Amounts:
1. General Requirements:
Reasonable Construction Supervision
Site Engineering Costs (Attributable to Buildings )
Temporary Job Office Expenses
On-Site Temporary Buildings (tool sheds, shops, toilets)
Temporary Utilities
Temporary Walkways, Fencing, Roads, Etc.
Construction Equipment Rental (not included in trade item costs)
Clean-up/Disposal/Recycling of Construction Debris
Security Costs
Medical/First Aid Supplies & Facility
Other -
Other -
                                                                             Total:               $0
2. On-Site Work:
Demolition
Site Preparation
Earthwork
Paving and other Surfacing
Landscaping
Landscape Fencing
Trash Enclosures
Site Signage
Storm Drainage
Sidewalks, Curbing, Parking Bollards
Other -
Other -
                                                                             Total:               $0
3. Off-Site Work:
Off-Site Improvements
Other -
                                                                             Total:               $0
4. Concrete:
Excavation
Footings/Foundations, Labor, and Materials
Slab on Grade
ADA Ramps, Sidewalks
Other -
                                                                             Total:               $0
5. Masonry:
Masonry, Labor, and Materials
Retaining Walls
Other -
Other -
                                                                             Total:               $0

Last Updated November 3, 2009                       Page 11 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                  2009-2010 APPLICATION FORM
                   DETAILED PROJECT CONSTRUCTION COST BREAKDOWN (Continued)

Description of Construction Category:                                         Budgeted Amounts:
6. Metals:
Misc Metals, Repair, Rails
Steel Joists, Studs, Framing
Carports
Other -
                                                                             Total:               $0
7. Wood:
Rough Framing Material
Rough Framing Labor
Finish Material
Finish Labor
Manufactured Trusses/Floor Joists
Cabinetry Labor and Materials
Other -
Other -
                                                                             Total:               $0
8. Thermal/Moisture Protection:
Soffit & Fascia
Gutter/Downspout Labor & Materials
Insulation Labor & Materials
Roofing Labor & Materials
Siding Labor & Materials
Stucco Labor & Materials
Other Waterproofing
Miscellaneous Thermal/Moisture Protection
Other -
                                                                             Total:               $0
9. Doors and Windows:
Steel Doors/Frames and Labor
Wood Doors/Frames and Labor
Hardware
Windows Labor & Materials
Garage Door Labor & Materials
Other -
                                                                             Total:               $0
10. Finishes:
Drywall/Plaster Labor & Materials
Ceramic Tile Labor & Materials
Carpet Labor & Materials
Paint/Wallcovering Labor & Materials
Vinyl Flooring/Tile Labor & Materials
Other -
                                                                             Total:               $0




Last Updated November 3, 2009                       Page 12 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                  2009-2010 APPLICATION FORM
                   DETAILED PROJECT CONSTRUCTION COST BREAKDOWN (Continued)

Description of Construction Category:                                         Budgeted Amounts:
11. Specialties:
Signage
Bathroom Accessories (towel bars, etc.)
Medicine Cabinets/Mirrors Labor & Materials
Fire Extinguishers
Other -
Other -
                                                                             Total:               $0
12. Equipment:
Bathroom Fixtures
Kitchen Appliances
Common Area Furnishings, Exercise Equipment
Other -
                                                                             Total:               $0
13. Furnishings:
Window Coverings/Blinds/Mirrors/Hardware
Countertop Labor & Materials
Other -
Other -
                                                                             Total:               $0
14. Conveyance Systems:
Elevator Systems
Other -
                                                                             Total:               $0
15. HVAC, Plumbing, Other Mechanical:
Heating/Cooling Labor & Materials
Plumbing Labor & Materials
Fire Sprinkler Labor & Materials
Water Heater Labor & Materials
Swimming Pool Labor & Materials
Other -
                                                                             Total:               $0
16. Electrical and Wiring:
Electrical Labor & Materials
Light Fixture Labor & Materials
Fire Detection/Smoke Alarm Systems Labor & Material
Security System Labor & Materials
Other -
                                                                             Total:               $0
17. Municipal and Utility Fees:
Impact Fees
Building Permit(s)
Utility Connection Fees
                                                                             Total:               $0




Last Updated November 3, 2009                       Page 13 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                  2009-2010 APPLICATION FORM
                   DETAILED PROJECT CONSTRUCTION COST BREAKDOWN (Continued)

Description of Construction Category:                                         Budgeted Amounts:
18. Builder Profit and Overhead:
Builder Profit
Builder Overhead
Construction Contingency
                                                                             Total:               $0

                                 SUMMARY OF PROJECT CONSTRUCTION COSTS

Summary Category:                                                             Budgeted Amounts:
LAND AND BUILDINGS, SITE WORK
        Land
        Existing Building(s)
        Building Acquisition Fee
        Demolition                                                                    $0
        On-Site Work (less demolition)                                                $0
        Off-Site Work                                                                 $0
        Other -                                                                                   $0
CONSTRUCTION WORK - HARD COSTS
        General Requirements                                                          $0
        Concrete                                                                      $0
        Masonry                                                                       $0
        Metals                                                                        $0
        Wood                                                                          $0
        Thermal/Moisture Protection                                                   $0
        Doors and Windows                                                             $0
        Finishes                                                                      $0
        Specialties                                                                   $0
        Equipment                                                                     $0
        Furnishings                                                                   $0
        Elevator/Conveyance                                                           $0
        HVAC, Plumbing, Mechanical                                                    $0
        Electrical and Wiring                                                         $0
        Impact/Permit/Utility Connection Fees                                         $0          $0
CONSTRUCTION WORK - SOFT COSTS
        Municipal and Building Permit Fees                                            $0
        EnergyStar Upgrades                                                           $0
        Construction Contingency                                                      $0
        Other -
        Other -                                                                                   $0
ARCHITECTURAL AND ENGINEERING
        Architect Fees (Design & Supervision)
        Civil Engineering
        Phase I Environmental Study
        Lead-Base Paint, Soil Study, Etc.
        Other -
        Other -                                                                                   $0

Last Updated November 3, 2009                       Page 14 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                   2009-2010 APPLICATION FORM
                        SUMMARY OF PROJECT CONSTRUCTION COSTS (Continued)

Summary Category:                                                             Budgeted Amounts:
PROFIT AND OVERHEAD
        Builder Profit                                                                $0
        Builder Overhead                                                              $0
        Developer Fee
        Developer Overhead
        Other Related-Party Fees (Exhibit F-1)                                                    $0
CONSTRUCTION/INTERIM FINANCING EXPENSES
        Construction Insurance
        Construction Loan Interest
        Construction Loan Fees
        Construction Appraisal
        Construction Legal Fees
        Interim Proration Schedule of Expenses
        Closing, Title, Recording
        Other -
        Other -                                                                                   $0
PERMANENT FINANCING EXPENSES
        Permanent Loan Origination Fee
        Permanent Financing Legal Fees
        Permanent Proration Schedule of Expenses
        Lender Other Fees
        Closing, Title, Recording
        Other -
        Other -                                                                                   $0
OTHER SOFT COSTS
        Market Study
        Consulting Fees
        Other Environmental Study
        Marketing Expenses
        ALTA Survey Expenses
        Other -                                                                                   $0
SYNDICATION COSTS
        Partnership Organization
        Bridge Loan Fees and Expenses
        Tax Opinion, Audit/Accounting Fees
        Legal Fees
        Other -                                                                                   $0
PROJECT RESERVES
        Reserve for Replacement
        Operating Deficit Reserve
        Rent-Up Reserve
        Other -                                                                                   $0

TOTAL PROJECT COST                                                                                $0
Total project cost should equal the total source of funds as listed on page 17.



Last Updated November 3, 2009                       Page 15 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                          2009-2010 APPLICATION FORM
                                               SOURCES OF FUNDS

CONSTRUCTION FINANCING
  Source of Funds (Name of Lender(s))            Amount of Funds         Name/Phone of Contact Person




Total Funds for Construction                                    $0
Has the construction package been submitted to the lender?                   If "No", estimated submittal date:

PERMANENT FINANCING - Lender Information
   Name and Address of Lender(s)       Status*/Date                  Name/Phone/Email of Contact Person(s)




PERMANENT FINANCING - Equity Financing Information
   Name and Address of Lender(s)        Status*/Date                 Name/Phone/Email of Contact Person(s)




PERMANENT FINANCING - Grant Information
   Name and Address of Grantor(s)       Status*/Date                 Name/Phone/Email of Contact Person(s)




*Status codes - LOI=Letter of Interest; NA=No formal action; A=Application submitted; C=Commitment
received. Please provide a copy of the status letter where applicable.



Last Updated November 3, 2009                       Page 16 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                          2009-2010 APPLICATION FORM
                                         SOURCES OF FUNDS (Continued)

PERMANENT FINANCING - Loan and Grant Information
Debt Financing:
                           Requested Loan     Interest                       Amort                       Type of Loan/
      Financing Source         Amount           Rate                        (months) Loan Type          Source of Funds




Olene Walker Hsg Loan Fund
                          Other PJ


Equity Financing:                                                          Comments:

Grants:




Rebates:
Questar Gas
Rocky Mountain Power

Other -

TOTAL SOURCES OF FINANCING                                                            $0
Gap between Sources of Funds and Project Costs:                                       $0
                          PROJECT FULLY FUNDED

                        ANNUAL DEBT SERVICE AND ASSISTED UNIT CALCULATION

                                                     $0.00                 Monthly Payment                            $0.00
                                                     $0.00                 Monthly Payment                            $0.00
                                                     $0.00                 Monthly Payment                            $0.00
                                                     $0.00                 Monthly Payment                            $0.00
                                                     $0.00                 Monthly Payment                            $0.00
Olene Walker Hsg Loan Fund                           $0.00                 Monthly Payment                            $0.00
                                                     $0.00                 Monthly Payment                            $0.00

Annual Debt Service - All Loans              $0                            Total Monthly Pmts                         $0.00
                             OWHLF Leveraging:
Calculation of Number of HOME/LIH-Assisted Units:                                DAVIS-BACON NOT APPLICABLE
High Cost Multiplier:       County:                                                    Total State LIH-Assisted Units
            By % Cost                          By 221(d)(3) Limits (aggregate)       (round up - higher of the two)
Other PJ HOME-Assisted Units: Not Applicable                                       Total Federal HOME-Assisted Units
     0      By % Cost           $0      0.00   By 221(d)(3) Limits        Total other PJ    0      (round up)  0

Last Updated November 3, 2009                          Page 17 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                    2009-2010 APPLICATION FORM
                            EQUIPMENT AND UTILITY ALLOWANCE CALCULATION

Equipment Included - Affordable Units:
                     Range                                          Disposal
                     Dishwasher                                     Laundry Hookups
                     Refrigerator                                   Air Conditioning
                     Kitchen Exhaust                                Fluorescent Lighting

Equipment Included - Market-Rate Units:
                     Range                                          Disposal
                     Dishwasher                                     Laundry Hookups
                     Refrigerator                                   Air Conditioning
                     Kitchen Exhaust                                Fluorescent Lighting

             Energy Equipment:          Type of System      Energy Source             Rating
            Domestic Hot Water
            Heating
            Air Conditioning

Monthly Utility Allowance Calculations:
                                                     Enter allowances paid by tenant by unit size (BR)
  Type             Utilities        Paid By        0          1        2          3          4         5
                   Heating                       $0.00     $0.00     $0.00      $0.00     $0.00      $0.00
                   Cooking                       $0.00     $0.00     $0.00      $0.00     $0.00      $0.00
                   Lighting                      $0.00     $0.00     $0.00      $0.00     $0.00      $0.00
                  Hot Water                      $0.00     $0.00     $0.00      $0.00     $0.00      $0.00
               Air Conditioning                  $0.00     $0.00     $0.00      $0.00     $0.00      $0.00
                    Sewer                        $0.00     $0.00     $0.00      $0.00     $0.00      $0.00
                    Water                        $0.00     $0.00     $0.00      $0.00     $0.00      $0.00
                    Trash                        $0.00     $0.00     $0.00      $0.00     $0.00      $0.00
              EnergyStar Credit                  $0.00     $0.00     $0.00      $0.00     $0.00      $0.00
                    Total Utility Allowance      $0.00     $0.00     $0.00      $0.00     $0.00      $0.00

Source of Utility Allowance Calculations:
            If using PHA, list name of PHA
        Effective Date of Utility Allowance

                                 MINIMUM PER-UNIT CASH FLOW REQUIREMENTS

Configuration of Project - Total Units and Bedroom Sizes        Total Studio/SRO
Minimum Cash Flow per Unit (2009-2010 Allocation Plan):         Total 1 Bedroom
  # BR      Min Amt                                             Total 2 Bedroom
    0           $350                                            Total 3 Bedroom
    1           $350                                            Total 4 Bedroom
    2           $375                                            Total 5 Bedroom
    3           $400
    4           $425              Minimum Cash Flow Per Unit Required:
    5           $425


Last Updated November 3, 2009                       Page 18 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                          2009-2010 APPLICATION FORM
                                           RENT TARGETING ANALYSIS
Affordable Units:
   County Project Located In:                                # Bedrooms (SRO/Studio = 0)
                                         0          1           2         3         4               5            6
Low HOME Rent Limit
High HOME Rent Limit
HUD Fair Market Rent
Other Set- # Bed-                       AMI     Gross Base    Utility   Net Base    Total Base    Square     Sq Ft/ Unit
  Aside    rooms     # Units           Target      Rent    Allowance    Rent/Unit   Unit Type     Ft/Unit      Type




        Total LI Units          0      Total Low-Income Unit Monthly Base Rent              $0
                                          Total Low-income Unit Square Footage               0
Market Units:
            # Bed-                    Monthly Base Rent      Total Monthly Base     Square        Sq Ft/
            rooms         # Units       for Unit Type        Rent for Unit Type     Ft/Unit      Unit Type




   Total Market Units         Total Market Monthly Base Rent
                                0                                             $0
                             Total Market Unit Square Footage                  0
                MINIMUM VACANCY 7% UNLESS MARKET STUDY SHOWS LOWER RATE
            Total Combined Monthly Base Rent (before vacancy)                 $0
                                     Less Vacancy:                            $0
Total Combined Units    0     Total Net Monthly Rental Income                 $0
                          Aggregate AMI % of Affordable Units
Affordable Units:
   Type Base Rent # Units Mkt Rents Margin             Type   Base Rent # Units Mkt Rents                     Margin



                                                            Market Units:
                                                              Type      Unrest'd    # Units      Mkt Rents    Margin




Last Updated November 3, 2009                           Page 19 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                     2009-2010 APPLICATION FORM
                           ESTIMATED PROJECT ANNUAL EXPENSE INFORMATION

Administrative Expenses:                             Project Operating Expenses:
Advertising                            $0            Elevator                                         $0
Management Fees                        $0            Comm Area Electric                               $0
Legal Fees                             $0            Comm Area Gas                                    $0
Partnership Fees                       $0            Water/Sewer                                      $0
Accounting/Audit                       $0            Trash Removal                                    $0
Business License                       $0            Payroll:
Other -                                $0             Manager Salary                                  $0
                Total                  $0             Office/Acct'g Exp                               $0
Maintenance Expenses:                                 Other Salary                                    $0
Comm Area/Interior                     $0             Payroll Taxes                                   $0
Repairs                                $0            Property Insurance                               $0
Insect Control                         $0            Workers' Comp                                    $0
Landscaping                            $0            Real Estate Taxes                                $0
Paving/Concrete                        $0            Other -                                          $0
Other -                                $0            Other -
                Total                  $0                             Total                           $0
 MINIMUM RESERVE $300/UNIT PER ALLOC PLAN
 Replacement Reserve per Unit:     $0          Total Annual Op Expenses:                              $0
                                     Annual Capital Replacement Reserves:
               Number of Units:Total 0                                                                $0
                                   Expenses per unit (without reserves):

                                ESTIMATED PROJECT ANNUAL INCOME ANALYSIS

Annual Net Rental Income (after vacancy)                        $0   Estimated % Rate Earned on Reserves:
Other Income:        Laundry/Vending                            $0                               2.00%
                     Late Fees                                  $0
                     Other -                                    $0          Less Vacancy:
Operating Subsidy:                None                          $0             0%                     $0
Total Operating Income                                $0      PROJECT-BASED SUBSIDY CALCULATOR
Less:     Operating Expenses                          $0    # Units    Rent Type    Type by       Net       Monthly
                                                           Receiving               Number of    HOME/LIH   Subsidy by
          Annual Capital Replac Reserve               $0
                                                            Subsidy                Bedrooms      Rents       Type
Net Operating Income (before debt service)            $0
Less:     Annual Debt Service                         $0                                                       $0.00
Net Operating Income (before taxes)                   $0                                                       $0.00
Source of Expenses and Reserves:                                                                               $0.00
                                                                                                               $0.00
   Antic'd Annual % Increase in Expenses:        3.00%                                                         $0.00
     Antic'd Annual % Increase in Income:        3.00%                                                         $0.00
                                                                                                               $0.00
Est'd Cash Flow/Unit (Before Taxes)                                                                            $0.00
                                                                                                               $0.00
Minimum Cash Flow/Unit Required                                                                                $0.00
                                                                                                               $0.00
Debt Service Coverage Ratio (All Loans) 0.00                                                                   $0.00
               NO DEBT SERVICE - NO DCR                       0        Total Monthly Subsidy:                     $0


Last Updated November 3, 2009                       Page 20 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                    2009-2010 APPLICATION FORM
                         PROJECT EXPLANATION AND OWHLF MISSION STATEMENT

The mission of the Olene Walker Housing Loan Fund is to support quality affordable housing options
that meet the needs of Utah’s individuals and families while maximizing all resources. Please discuss
in detail how this application addresses the goals listed above in the topic areas below, using actual
data from the application to illustrate the explanation.

Profit and Overhead Limitations:




Development Cost Efficiencies:




Financing Innovations:




Maximizing Proceeds to the Project:




Maximizing Longevity and Maintaining Appeal and Affordability:




Last Updated November 3, 2009                       Page 21 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                        2009-2010 APPLICATION FORM
                                  PROJECT QUALITY AND DESIGN COMMITMENT

Discuss the project construction quality and durability features in the areas provided, including whether design
meets or exceeds current building code.

      Feature           Description                                                                   Rated Life
Appliances
 provided                                                                                                years



Exterior finish
 materials                                                                                               years



Fencing
                                                                                                         years



Windows and
 doors                                                                                                   years



Plumbing materials
 and fixtures                                                                                            years



Roofing
                                                                                                         years



HVAC equipment
                                                                                                         years



Security systems
                                                                                                         years




Last Updated November 3, 2009                       Page 22 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                   2009-2010 APPLICATION FORM
                         PROJECT QUALITY AND DESIGN COMMITMENT (Continued)

     Feature            Description                                                   Rated Life
Energy efficiency
                                                                                        years



Cabinetry and
 countertops                                                                            years



Insulation
                                                                                        years



Landscaping
                                                                                        years



Design and other
 quality elements                                                                       years



Parking area and/
 or garages                                                                             years



Site layout and
 unit density                                                                           years



Other -
                                                                                        years


Other -
                                                                                        years




Last Updated November 3, 2009                       Page 23 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                         2009-2010 APPLICATION FORM
                                       PROJECT DEVELOPMENT SCHEDULE

                          Activity                                    Scheduled Date
                                                                      (MM/DD/YYYY)
        A. Site Control
                      Option/Contract to Purchase
                      Site Analysis
                      Site Acquisition
                      Final Zoning Approval

        B. 1. Construction Loan
                     Application
                     Conditional Commitment
                     Firm Commitment

            2. Permanent Loan
                     Application
                     Conditional Commitment
                     Firm Commitment

            3. Other Sources of Funds
                      Type & Source
                      Application
                      Award

                        Type & Source
                        Application
                        Award

                        Type & Source
                        Application
                        Award

        C. Plans and Specifications
                     Working Drawings

        D. Closing/Site Transfer

        E. Start of Construction

         F. Certificate of Occupancy

        G. Lease-Up Begins

        H. Closeout/Beginning of Compliance Period




Last Updated November 3, 2009                       Page 24 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                   2009-2010 APPLICATION FORM
                        PROJECT OWNER CERTIFICATIONS AND REPRESENTATIONS


The undersigned is responsible for ensuring that the project consists or will consist of a qualified low-
income building or buildings, and will satisfy all applicable requirements of State and Federal law in
the acquisition, rehabilitation or construction and operation of the project to receive the funding from
the Olene Walker Housing Loan Fund. The undersigned is responsible for all calculations and figures
relating to the application.

The undersigned hereby makes Application to the State of Utah. The undersigned agrees that the
State of Utah will at all times be indemnified and held harmless against all losses, costs, damages,
expenses and liabilities whatsoever nature of kind (including, but not limited to attorney's fees,
litigation and court costs, amounts paid in settlement, and amounts paid to discharge judgment, any
loss from judgment directly or indirectly resulting from, arising out of, or related to acceptance,
consideration and approval or disapproval of such allocation request.

The undersigned authorizes the State of Utah to disclose or provide copies of this application, as may
be amended, or copies of any allocation agreement with respect to the proposed project to the Rural
Development Service, Utah Housing Corporation and other government funding sources, including the
Department of Housing and Urban Development as necessary to comply with state or federal law on
the review of financial assistance provided to the project. I have read the minimum "Required
Documentation Checklist", and understand that applications lacking the listed documents will be
considered non-conforming and returned without consideration. Owner and Applicant(s) represent
that they have read and understand the content of the Application Packet and the Allocation Plan, and
understand the requirements placed on this project from the State or Federal requirements.


The undersigned, being duly authorized, hereby represents and certifies that the foregoing
information, to the best of his/her knowledge, is true, complete and accurately describes the proposed
project.

IN WITNESS WHEREOF,
         The owner has caused this document to be duly executed in its name on


                                               Legal Name of Owner


                                           Owner Representative Name



                                                    Signature


                                                       Title




Last Updated November 3, 2009                       Page 25 of 59
                                State Of Utah - Department of Community and Culture
                                  Division of Housing and Community Development
                                          Olene Walker Housing Loan Fund

                                        2009-2010 APPLICATION FORM
                                OWHLF SCORING PER 2009-2010 ALLOCATION PLAN

           CATEGORY                        VALUE                      CRITERIA                POINTS SCORED
1.          AMI Targeting:                               If AMI is less than 30% - 15 points            0
            (Maximum 15 points)                          If AMI is 30.00%-34.99% - 13 points
                                                         If AMI is 35.00%-39.99% - 11 points
                                                         If AMI is 40.00%-44.99% - 9 points
                                                         If AMI is 45.00%-49.99% - 7 points
                                                         If AMI is 50.00% or greater - 0 points

2.          Unit Size: (Maximum 5 points)                Are 10% of the units:                              0
                       SRO/Studio   0                    4 bedroom - 5 points
                       1 Bedroom    0                    3 bedroom - 4 points
                       2 Bedroom    0                    2 bedroom - 3 points
                       3 Bedroom    0                    1 bedroom - 2 points
                       4 Bedroom    0                    Studio/SRO - 1 point
                    Total # Units   0

3.          Loan Leveraging:                   Total Eligible Cost:           $0   Multiplied   0.00        0
            (Maximum 30 points)              OWHLF Loan Request:              $0    by 3 =

4.          County Population: (Maximum 10 points) Population <15,000 - 10 points                           0
                County Project Located In:         Population 15,001-26,000 - 7 points
                                                   Population 26,001-75,000 - 5 points
                County Population (2008):          Population 75,001-100,000 - 2 points
                                                   Over 100,000 - 0 points

5.          Substantial Rehabilitation:    Replacement of 3 or more building systems                        0
            (10 points)         Building System Replaced (see Allocation Plan for definitions)
            HVAC                                     Roofing
            Plumbing                                 Structural/seismic
            Electrical                               EnergyStar upgrades
                                          Total number of systems replaced:      0

6.          New Capacity:          (Maximum 30 points)                                                        0
            Scoring based on the total number of affordable-housing units and whether new capacity is created
            or new units are added to an existing affordable-housing project:
                       Type of project scope of construction:
                       Total number of existing units:                     0
                       (For acquisition/rehab, rehab only, or acquisition only, list the number of units currently
                       for low-income residents; for new construction or non-residential conversion, list "0")
                       Total number of new units added:                   30
                       (For acquisition/rehab, rehab only, or acquisition only, list number of low-income units
                       added, if any; for new construction or non-residential conversion, list number of units)
                       Total units (existing and new):                    30
  TOTAL OLENE WALKER HOUSING LOAN FUND SCORE (100 Maximum):                                            0


Last Updated November 3, 2009                       Page 26 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
                Amortization Schedule - Loan #1                                             Amortization Schedule - Loan #2
                               0                                                                           0
Interest Rate:         0.00%                Amount Financed                 Interest Rate:         0.00%                Amount Financed
Amortization Period:          0 years            $0.00                      Amortization Period:          0 years            $0.00
Loan Type:                1     0           Monthly Payment:                Loan Type:                1     0           Monthly Payment:
                                                 $0.00                                                                       $0.00
  Month     Interest   Principal   Payment     Loan Balance                    Month    Interest   Principal   Payment     Loan Balance
                           Beginning Balance              $0.00                                        Beginning Balance              $0.00
    1          $0.00       $0.00      $0.00                   $0.00              1            -          -          -                 $0.00
    2             -          -          -                 $0.00                  2            -          -          -                 $0.00
    3          $0.00       $0.00      $0.00                   $0.00              3            -          -          -                 $0.00
    4             -          -          -                 $0.00                  4            -          -          -                 $0.00
    5          $0.00       $0.00      $0.00                   $0.00              5            -          -          -                 $0.00
    6             -          -          -                 $0.00                  6            -          -          -                 $0.00
    7          $0.00       $0.00      $0.00                   $0.00              7            -          -          -                 $0.00
    8             -          -          -                 $0.00                  8            -          -          -                 $0.00
    9          $0.00       $0.00      $0.00                   $0.00              9            -          -          -                 $0.00
   10             -          -          -                 $0.00                 10            -          -          -                 $0.00
   11          $0.00       $0.00      $0.00                   $0.00             11            -          -          -                 $0.00
   12             -          -          -                 $0.00                 12            -          -          -                 $0.00
  Year-1          -          -          -                 $0.00                Year-1         -          -          -                 $0.00
   13          $0.00       $0.00      $0.00                   $0.00             13            -          -          -                 $0.00
   14             -          -          -                 $0.00                 14            -          -          -                 $0.00
   15          $0.00       $0.00      $0.00                   $0.00             15            -          -          -                 $0.00
   16             -          -          -                 $0.00                 16            -          -          -                 $0.00
   17          $0.00       $0.00      $0.00                   $0.00             17            -          -          -                 $0.00
   18             -          -          -                 $0.00                 18            -          -          -                 $0.00
   19          $0.00       $0.00      $0.00                   $0.00             19            -          -          -                 $0.00
   20             -          -          -                 $0.00                 20            -          -          -                 $0.00
   21          $0.00       $0.00      $0.00                   $0.00             21            -          -          -                 $0.00
   22             -          -          -                 $0.00                 22            -          -          -                 $0.00
   23          $0.00       $0.00      $0.00                   $0.00             23            -          -          -                 $0.00
   24             -          -          -                 $0.00                 24            -          -          -                 $0.00
  Year-2          -          -          -                 $0.00                Year-2         -          -          -                 $0.00
   25          $0.00       $0.00      $0.00                   $0.00             25            -          -          -                 $0.00
   26             -          -          -                 $0.00                 26            -          -          -                 $0.00
   27          $0.00       $0.00      $0.00                   $0.00             27            -          -          -                 $0.00
   28             -          -          -                 $0.00                 28            -          -          -                 $0.00
   29          $0.00       $0.00      $0.00                   $0.00             29            -          -          -                 $0.00
   30             -          -          -                 $0.00                 30            -          -          -                 $0.00
   31          $0.00       $0.00      $0.00                   $0.00             31            -          -          -                 $0.00
   32             -          -          -                 $0.00                 32            -          -          -                 $0.00
   33          $0.00       $0.00      $0.00                   $0.00             33            -          -          -                 $0.00
   34             -          -          -                 $0.00                 34            -          -          -                 $0.00
   35          $0.00       $0.00      $0.00                   $0.00             35            -          -          -                 $0.00
   36             -          -          -                 $0.00                 36            -          -          -                 $0.00
  Year-3          -          -          -                 $0.00                Year-3         -          -          -                 $0.00
   37          $0.00       $0.00      $0.00                   $0.00             37            -          -          -                 $0.00
   38             -          -          -                 $0.00                 38            -          -          -                 $0.00
   39          $0.00       $0.00      $0.00                   $0.00             39            -          -          -                 $0.00
   40             -          -          -                 $0.00                 40            -          -          -                 $0.00
   41          $0.00       $0.00      $0.00                   $0.00             41            -          -          -                 $0.00
   42             -          -          -                 $0.00                 42            -          -          -                 $0.00
   43          $0.00       $0.00      $0.00                   $0.00             43            -          -          -                 $0.00
   44             -          -          -                 $0.00                 44            -          -          -                 $0.00
   45          $0.00       $0.00      $0.00                   $0.00             45            -          -          -                 $0.00
   46             -          -          -                 $0.00                 46            -          -          -                 $0.00
   47          $0.00       $0.00      $0.00                   $0.00             47            -          -          -                 $0.00
   48             -          -          -                 $0.00                 48            -          -          -                 $0.00
  Year-4          -          -          -                 $0.00                Year-4         -          -          -                 $0.00
   49          $0.00       $0.00      $0.00                   $0.00             49            -          -          -                 $0.00
   50             -          -          -                 $0.00                 50            -          -          -                 $0.00
   51          $0.00       $0.00      $0.00                   $0.00             51            -          -          -                 $0.00
   52             -          -          -                 $0.00                 52            -          -          -                 $0.00
   53          $0.00       $0.00      $0.00                   $0.00             53            -          -          -                 $0.00
   54             -          -          -                 $0.00                 54            -          -          -                 $0.00
   55          $0.00       $0.00      $0.00                   $0.00             55            -          -          -                 $0.00
   56             -          -          -                 $0.00                 56            -          -          -                 $0.00
   57          $0.00       $0.00      $0.00                   $0.00             57            -          -          -                 $0.00
   58             -          -          -                 $0.00                 58            -          -          -                 $0.00
   59          $0.00       $0.00      $0.00                   $0.00             59            -          -          -                 $0.00
   60             -          -          -                 $0.00                 60            -          -          -                 $0.00
  Year-5          -          -          -                 $0.00                Year-5         -          -          -                 $0.00




                                                                      Page 27 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
                Amortization Schedule - Loan #1                                             Amortization Schedule - Loan #2
                               0                                                                           0
Interest Rate:         0.00%                Amount Financed                 Interest Rate:         0.00%                Amount Financed
Amortization Period:          0 years            $0.00                      Amortization Period:          0 years            $0.00
Loan Type:                1     0           Monthly Payment:                Loan Type:                1     0           Monthly Payment:
                                                 $0.00                                                                       $0.00
  Month     Interest   Principal   Payment     Loan Balance                    Month    Interest   Principal   Payment     Loan Balance
   61          $0.00       Beginning Balance
                           $0.00       $0.00              $0.00
                                                           $0.00                61            -        Beginning Balance
                                                                                                         -           -                $0.00
   62             -          -          -                 $0.00                 62            -          -          -                 $0.00
   63          $0.00       $0.00      $0.00                   $0.00             63            -          -          -                 $0.00
   64             -          -          -                 $0.00                 64            -          -          -                 $0.00
   65          $0.00       $0.00      $0.00                   $0.00             65            -          -          -                 $0.00
   66             -          -          -                 $0.00                 66            -          -          -                 $0.00
   67          $0.00       $0.00      $0.00                   $0.00             67            -          -          -                 $0.00
   68             -          -          -                 $0.00                 68            -          -          -                 $0.00
   69          $0.00       $0.00      $0.00                   $0.00             69            -          -          -                 $0.00
   70             -          -          -                 $0.00                 70            -          -          -                 $0.00
   71          $0.00       $0.00      $0.00                   $0.00             71            -          -          -                 $0.00
   72             -          -          -                 $0.00                 72            -          -          -                 $0.00
  Year-6          -          -          -                 $0.00                Year-6         -          -          -                 $0.00
   73          $0.00       $0.00      $0.00                   $0.00             73            -          -          -                 $0.00
   74             -          -          -                 $0.00                 74            -          -          -                 $0.00
   75          $0.00       $0.00      $0.00                   $0.00             75            -          -          -                 $0.00
   76             -          -          -                 $0.00                 76            -          -          -                 $0.00
   77          $0.00       $0.00      $0.00                   $0.00             77            -          -          -                 $0.00
   78             -          -          -                 $0.00                 78            -          -          -                 $0.00
   79          $0.00       $0.00      $0.00                   $0.00             79            -          -          -                 $0.00
   80             -          -          -                 $0.00                 80            -          -          -                 $0.00
   81          $0.00       $0.00      $0.00                   $0.00             81            -          -          -                 $0.00
   82             -          -          -                 $0.00                 82            -          -          -                 $0.00
   83          $0.00       $0.00      $0.00                   $0.00             83            -          -          -                 $0.00
   84             -          -          -                 $0.00                 84            -          -          -                 $0.00
  Year-7          -          -          -                 $0.00                Year-7         -          -          -                 $0.00
   85          $0.00       $0.00      $0.00                   $0.00             85            -          -          -                 $0.00
   86             -          -          -                 $0.00                 86            -          -          -                 $0.00
   87          $0.00       $0.00      $0.00                   $0.00             87            -          -          -                 $0.00
   88             -          -          -                 $0.00                 88            -          -          -                 $0.00
   89          $0.00       $0.00      $0.00                   $0.00             89            -          -          -                 $0.00
   90             -          -          -                 $0.00                 90            -          -          -                 $0.00
   91          $0.00       $0.00      $0.00                   $0.00             91            -          -          -                 $0.00
   92             -          -          -                 $0.00                 92            -          -          -                 $0.00
   93          $0.00       $0.00      $0.00                   $0.00             93            -          -          -                 $0.00
   94             -          -          -                 $0.00                 94            -          -          -                 $0.00
   95          $0.00       $0.00      $0.00                   $0.00             95            -          -          -                 $0.00
   96             -          -          -                 $0.00                 96            -          -          -                 $0.00
  Year-8          -          -          -                 $0.00                Year-8         -          -          -                 $0.00
   97          $0.00       $0.00      $0.00                   $0.00             97            -          -          -                 $0.00
   98             -          -          -                 $0.00                 98            -          -          -                 $0.00
   99          $0.00       $0.00      $0.00                   $0.00             99            -          -          -                 $0.00
   100            -          -          -                 $0.00                 100           -          -          -                 $0.00
   101         $0.00       $0.00      $0.00                   $0.00             101           -          -          -                 $0.00
   102            -          -          -                 $0.00                 102           -          -          -                 $0.00
   103         $0.00       $0.00      $0.00                   $0.00             103           -          -          -                 $0.00
   104            -          -          -                 $0.00                 104           -          -          -                 $0.00
   105         $0.00       $0.00      $0.00                   $0.00             105           -          -          -                 $0.00
   106            -          -          -                 $0.00                 106           -          -          -                 $0.00
   107         $0.00       $0.00      $0.00                   $0.00             107           -          -          -                 $0.00
   108            -          -          -                 $0.00                 108           -          -          -                 $0.00
  Year-9          -          -          -                 $0.00                Year-9         -          -          -                 $0.00
   109         $0.00       $0.00      $0.00                   $0.00             109           -          -          -                 $0.00
   110            -          -          -                 $0.00                 110           -          -          -                 $0.00
   111         $0.00       $0.00      $0.00                   $0.00             111           -          -          -                 $0.00
   112            -          -          -                 $0.00                 112           -          -          -                 $0.00
   113         $0.00       $0.00      $0.00                   $0.00             113           -          -          -                 $0.00
   114            -          -          -                 $0.00                 114           -          -          -                 $0.00
   115         $0.00       $0.00      $0.00                   $0.00             115           -          -          -                 $0.00
   116            -          -          -                 $0.00                 116           -          -          -                 $0.00
   117         $0.00       $0.00      $0.00                   $0.00             117           -          -          -                 $0.00
   118            -          -          -                 $0.00                 118           -          -          -                 $0.00
   119         $0.00       $0.00      $0.00                   $0.00             119           -          -          -                 $0.00
   120            -          -          -                 $0.00                 120           -          -          -                 $0.00
 Year-10          -          -          -                 $0.00               Year-10         -          -          -                 $0.00




                                                                      Page 28 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
                Amortization Schedule - Loan #1                                             Amortization Schedule - Loan #2
                               0                                                                           0
Interest Rate:         0.00%                Amount Financed                 Interest Rate:         0.00%                Amount Financed
Amortization Period:          0 years            $0.00                      Amortization Period:          0 years            $0.00
Loan Type:                1     0           Monthly Payment:                Loan Type:                1     0           Monthly Payment:
                                                 $0.00                                                                       $0.00
  Month     Interest   Principal   Payment     Loan Balance                    Month    Interest   Principal   Payment     Loan Balance
   121         $0.00       Beginning Balance
                           $0.00       $0.00              $0.00
                                                           $0.00                121           -        Beginning Balance
                                                                                                         -           -                $0.00
   122            -          -          -                 $0.00                 122           -          -          -                 $0.00
   123         $0.00       $0.00      $0.00                   $0.00             123           -          -          -                 $0.00
   124            -          -          -                 $0.00                 124           -          -          -                 $0.00
   125         $0.00       $0.00      $0.00                   $0.00             125           -          -          -                 $0.00
   126            -          -          -                 $0.00                 126           -          -          -                 $0.00
   127         $0.00       $0.00      $0.00                   $0.00             127           -          -          -                 $0.00
   128            -          -          -                 $0.00                 128           -          -          -                 $0.00
   129         $0.00       $0.00      $0.00                   $0.00             129           -          -          -                 $0.00
   130            -          -          -                 $0.00                 130           -          -          -                 $0.00
   131         $0.00       $0.00      $0.00                   $0.00             131           -          -          -                 $0.00
   132            -          -          -                 $0.00                 132           -          -          -                 $0.00
 Year-11          -          -          -                 $0.00               Year-11         -          -          -                 $0.00
   133         $0.00       $0.00      $0.00                   $0.00             133           -          -          -                 $0.00
   134            -          -          -                 $0.00                 134           -          -          -                 $0.00
   135         $0.00       $0.00      $0.00                   $0.00             135           -          -          -                 $0.00
   136            -          -          -                 $0.00                 136           -          -          -                 $0.00
   137         $0.00       $0.00      $0.00                   $0.00             137           -          -          -                 $0.00
   138            -          -          -                 $0.00                 138           -          -          -                 $0.00
   139         $0.00       $0.00      $0.00                   $0.00             139           -          -          -                 $0.00
   140            -          -          -                 $0.00                 140           -          -          -                 $0.00
   141         $0.00       $0.00      $0.00                   $0.00             141           -          -          -                 $0.00
   142            -          -          -                 $0.00                 142           -          -          -                 $0.00
   143         $0.00       $0.00      $0.00                   $0.00             143           -          -          -                 $0.00
   144            -          -          -                 $0.00                 144           -          -          -                 $0.00
 Year-12          -          -          -                 $0.00               Year-12         -          -          -                 $0.00
   145         $0.00       $0.00      $0.00                   $0.00             145           -          -          -                 $0.00
   146            -          -          -                 $0.00                 146           -          -          -                 $0.00
   147         $0.00       $0.00      $0.00                   $0.00             147           -          -          -                 $0.00
   148            -          -          -                 $0.00                 148           -          -          -                 $0.00
   149         $0.00       $0.00      $0.00                   $0.00             149           -          -          -                 $0.00
   150            -          -          -                 $0.00                 150           -          -          -                 $0.00
   151         $0.00       $0.00      $0.00                   $0.00             151           -          -          -                 $0.00
   152            -          -          -                 $0.00                 152           -          -          -                 $0.00
   153         $0.00       $0.00      $0.00                   $0.00             153           -          -          -                 $0.00
   154            -          -          -                 $0.00                 154           -          -          -                 $0.00
   155         $0.00       $0.00      $0.00                   $0.00             155           -          -          -                 $0.00
   156            -          -          -                 $0.00                 156           -          -          -                 $0.00
 Year-13          -          -          -                 $0.00               Year-13         -          -          -                 $0.00
   157         $0.00       $0.00      $0.00                   $0.00             157           -          -          -                 $0.00
   158            -          -          -                 $0.00                 158           -          -          -                 $0.00
   159         $0.00       $0.00      $0.00                   $0.00             159           -          -          -                 $0.00
   160            -          -          -                 $0.00                 160           -          -          -                 $0.00
   161         $0.00       $0.00      $0.00                   $0.00             161           -          -          -                 $0.00
   162            -          -          -                 $0.00                 162           -          -          -                 $0.00
   163         $0.00       $0.00      $0.00                   $0.00             163           -          -          -                 $0.00
   164            -          -          -                 $0.00                 164           -          -          -                 $0.00
   165         $0.00       $0.00      $0.00                   $0.00             165           -          -          -                 $0.00
   166            -          -          -                 $0.00                 166           -          -          -                 $0.00
   167         $0.00       $0.00      $0.00                   $0.00             167           -          -          -                 $0.00
   168            -          -          -                 $0.00                 168           -          -          -                 $0.00
 Year-14          -          -          -                 $0.00               Year-14         -          -          -                 $0.00
   169         $0.00       $0.00      $0.00                   $0.00             169           -          -          -                 $0.00
   170            -          -          -                 $0.00                 170           -          -          -                 $0.00
   171         $0.00       $0.00      $0.00                   $0.00             171           -          -          -                 $0.00
   172            -          -          -                 $0.00                 172           -          -          -                 $0.00
   173         $0.00       $0.00      $0.00                   $0.00             173           -          -          -                 $0.00
   174            -          -          -                 $0.00                 174           -          -          -                 $0.00
   175         $0.00       $0.00      $0.00                   $0.00             175           -          -          -                 $0.00
   176            -          -          -                 $0.00                 176           -          -          -                 $0.00
   177         $0.00       $0.00      $0.00                   $0.00             177           -          -          -                 $0.00
   178            -          -          -                 $0.00                 178           -          -          -                 $0.00
   179         $0.00       $0.00      $0.00                   $0.00             179           -          -          -                 $0.00
   180            -          -          -                 $0.00                 180           -          -          -                 $0.00
 Year-15          -          -          -                 $0.00               Year-15         -          -          -                 $0.00




                                                                      Page 29 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
                Amortization Schedule - Loan #1                                             Amortization Schedule - Loan #2
                               0                                                                           0
Interest Rate:         0.00%                Amount Financed                 Interest Rate:         0.00%                Amount Financed
Amortization Period:          0 years            $0.00                      Amortization Period:          0 years            $0.00
Loan Type:                1     0           Monthly Payment:                Loan Type:                1     0           Monthly Payment:
                                                 $0.00                                                                       $0.00
  Month     Interest   Principal   Payment     Loan Balance                    Month    Interest   Principal   Payment     Loan Balance
   181         $0.00       Beginning Balance
                           $0.00       $0.00              $0.00
                                                           $0.00                181           -        Beginning Balance
                                                                                                         -           -                $0.00
   182            -          -          -                 $0.00                 182           -          -          -                 $0.00
   183         $0.00       $0.00      $0.00                   $0.00             183           -          -          -                 $0.00
   184            -          -          -                 $0.00                 184           -          -          -                 $0.00
   185         $0.00       $0.00      $0.00                   $0.00             185           -          -          -                 $0.00
   186            -          -          -                 $0.00                 186           -          -          -                 $0.00
   187         $0.00       $0.00      $0.00                   $0.00             187           -          -          -                 $0.00
   188            -          -          -                 $0.00                 188           -          -          -                 $0.00
   189         $0.00       $0.00      $0.00                   $0.00             189           -          -          -                 $0.00
   190            -          -          -                 $0.00                 190           -          -          -                 $0.00
   191         $0.00       $0.00      $0.00                   $0.00             191           -          -          -                 $0.00
   192            -          -          -                 $0.00                 192           -          -          -                 $0.00
 Year-16          -          -          -                 $0.00               Year-16         -          -          -                 $0.00
   193         $0.00       $0.00      $0.00                   $0.00             193           -          -          -                 $0.00
   194            -          -          -                 $0.00                 194           -          -          -                 $0.00
   195         $0.00       $0.00      $0.00                   $0.00             195           -          -          -                 $0.00
   196            -          -          -                 $0.00                 196           -          -          -                 $0.00
   197         $0.00       $0.00      $0.00                   $0.00             197           -          -          -                 $0.00
   198            -          -          -                 $0.00                 198           -          -          -                 $0.00
   199         $0.00       $0.00      $0.00                   $0.00             199           -          -          -                 $0.00
   200            -          -          -                 $0.00                 200           -          -          -                 $0.00
   201         $0.00       $0.00      $0.00                   $0.00             201           -          -          -                 $0.00
   202            -          -          -                 $0.00                 202           -          -          -                 $0.00
   203         $0.00       $0.00      $0.00                   $0.00             203           -          -          -                 $0.00
   204            -          -          -                 $0.00                 204           -          -          -                 $0.00
 Year-17          -          -          -                 $0.00               Year-17         -          -          -                 $0.00
   205         $0.00       $0.00      $0.00                   $0.00             205           -          -          -                 $0.00
   206            -          -          -                 $0.00                 206           -          -          -                 $0.00
   207         $0.00       $0.00      $0.00                   $0.00             207           -          -          -                 $0.00
   208            -          -          -                 $0.00                 208           -          -          -                 $0.00
   209         $0.00       $0.00      $0.00                   $0.00             209           -          -          -                 $0.00
   210            -          -          -                 $0.00                 210           -          -          -                 $0.00
   211         $0.00       $0.00      $0.00                   $0.00             211           -          -          -                 $0.00
   212            -          -          -                 $0.00                 212           -          -          -                 $0.00
   213         $0.00       $0.00      $0.00                   $0.00             213           -          -          -                 $0.00
   214            -          -          -                 $0.00                 214           -          -          -                 $0.00
   215         $0.00       $0.00      $0.00                   $0.00             215           -          -          -                 $0.00
   216            -          -          -                 $0.00                 216           -          -          -                 $0.00
 Year-18          -          -          -                 $0.00               Year-18         -          -          -                 $0.00
   217         $0.00       $0.00      $0.00                   $0.00             217           -          -          -                 $0.00
   218            -          -          -                 $0.00                 218           -          -          -                 $0.00
   219         $0.00       $0.00      $0.00                   $0.00             219           -          -          -                 $0.00
   220            -          -          -                 $0.00                 220           -          -          -                 $0.00
   221         $0.00       $0.00      $0.00                   $0.00             221           -          -          -                 $0.00
   222            -          -          -                 $0.00                 222           -          -          -                 $0.00
   223         $0.00       $0.00      $0.00                   $0.00             223           -          -          -                 $0.00
   224            -          -          -                 $0.00                 224           -          -          -                 $0.00
   225         $0.00       $0.00      $0.00                   $0.00             225           -          -          -                 $0.00
   226            -          -          -                 $0.00                 226           -          -          -                 $0.00
   227         $0.00       $0.00      $0.00                   $0.00             227           -          -          -                 $0.00
   228            -          -          -                 $0.00                 228           -          -          -                 $0.00
 Year-19          -          -          -                 $0.00               Year-19         -          -          -                 $0.00
   229         $0.00       $0.00      $0.00                   $0.00             229           -          -          -                 $0.00
   230            -          -          -                 $0.00                 230           -          -          -                 $0.00
   231         $0.00       $0.00      $0.00                   $0.00             231           -          -          -                 $0.00
   232            -          -          -                 $0.00                 232           -          -          -                 $0.00
   233         $0.00       $0.00      $0.00                   $0.00             233           -          -          -                 $0.00
   234            -          -          -                 $0.00                 234           -          -          -                 $0.00
   235         $0.00       $0.00      $0.00                   $0.00             235           -          -          -                 $0.00
   236            -          -          -                 $0.00                 236           -          -          -                 $0.00
   237         $0.00       $0.00      $0.00                   $0.00             237           -          -          -                 $0.00
   238            -          -          -                 $0.00                 238           -          -          -                 $0.00
   239         $0.00       $0.00      $0.00                   $0.00             239           -          -          -                 $0.00
   240            -          -          -                 $0.00                 240           -          -          -                 $0.00
 Year-20          -          -          -                 $0.00               Year-20         -          -          -                 $0.00




                                                                      Page 30 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
                Amortization Schedule - Loan #1                                             Amortization Schedule - Loan #2
                               0                                                                           0
Interest Rate:         0.00%                Amount Financed                 Interest Rate:         0.00%                Amount Financed
Amortization Period:          0 years            $0.00                      Amortization Period:          0 years            $0.00
Loan Type:                1     0           Monthly Payment:                Loan Type:                1     0           Monthly Payment:
                                                 $0.00                                                                       $0.00
  Month     Interest   Principal   Payment     Loan Balance                    Month    Interest   Principal   Payment     Loan Balance
   241         $0.00       Beginning Balance
                           $0.00       $0.00              $0.00
                                                           $0.00                241           -        Beginning Balance
                                                                                                         -           -                $0.00
   242            -          -          -                 $0.00                 242           -          -          -                 $0.00
   243         $0.00       $0.00      $0.00                   $0.00             243           -          -          -                 $0.00
   244            -          -          -                 $0.00                 244           -          -          -                 $0.00
   245         $0.00       $0.00      $0.00                   $0.00             245           -          -          -                 $0.00
   246            -          -          -                 $0.00                 246           -          -          -                 $0.00
   247         $0.00       $0.00      $0.00                   $0.00             247           -          -          -                 $0.00
   248            -          -          -                 $0.00                 248           -          -          -                 $0.00
   249         $0.00       $0.00      $0.00                   $0.00             249           -          -          -                 $0.00
   250            -          -          -                 $0.00                 250           -          -          -                 $0.00
   251         $0.00       $0.00      $0.00                   $0.00             251           -          -          -                 $0.00
   252            -          -          -                 $0.00                 252           -          -          -                 $0.00
 Year-21          -          -          -                 $0.00               Year-21         -          -          -                 $0.00
   253         $0.00       $0.00      $0.00                   $0.00             253           -          -          -                 $0.00
   254            -          -          -                 $0.00                 254           -          -          -                 $0.00
   255         $0.00       $0.00      $0.00                   $0.00             255           -          -          -                 $0.00
   256            -          -          -                 $0.00                 256           -          -          -                 $0.00
   257         $0.00       $0.00      $0.00                   $0.00             257           -          -          -                 $0.00
   258            -          -          -                 $0.00                 258           -          -          -                 $0.00
   259         $0.00       $0.00      $0.00                   $0.00             259           -          -          -                 $0.00
   260            -          -          -                 $0.00                 260           -          -          -                 $0.00
   261         $0.00       $0.00      $0.00                   $0.00             261           -          -          -                 $0.00
   262            -          -          -                 $0.00                 262           -          -          -                 $0.00
   263         $0.00       $0.00      $0.00                   $0.00             263           -          -          -                 $0.00
   264            -          -          -                 $0.00                 264           -          -          -                 $0.00
 Year-22          -          -          -                 $0.00               Year-22         -          -          -                 $0.00
   265         $0.00       $0.00      $0.00                   $0.00             265           -          -          -                 $0.00
   266            -          -          -                 $0.00                 266           -          -          -                 $0.00
   267         $0.00       $0.00      $0.00                   $0.00             267           -          -          -                 $0.00
   268            -          -          -                 $0.00                 268           -          -          -                 $0.00
   269         $0.00       $0.00      $0.00                   $0.00             269           -          -          -                 $0.00
   270            -          -          -                 $0.00                 270           -          -          -                 $0.00
   271         $0.00       $0.00      $0.00                   $0.00             271           -          -          -                 $0.00
   272            -          -          -                 $0.00                 272           -          -          -                 $0.00
   273         $0.00       $0.00      $0.00                   $0.00             273           -          -          -                 $0.00
   274            -          -          -                 $0.00                 274           -          -          -                 $0.00
   275         $0.00       $0.00      $0.00                   $0.00             275           -          -          -                 $0.00
   276            -          -          -                 $0.00                 276           -          -          -                 $0.00
 Year-23          -          -          -                 $0.00               Year-23         -          -          -                 $0.00
   277         $0.00       $0.00      $0.00                   $0.00             277           -          -          -                 $0.00
   278            -          -          -                 $0.00                 278           -          -          -                 $0.00
   279         $0.00       $0.00      $0.00                   $0.00             279           -          -          -                 $0.00
   280            -          -          -                 $0.00                 280           -          -          -                 $0.00
   281         $0.00       $0.00      $0.00                   $0.00             281           -          -          -                 $0.00
   282            -          -          -                 $0.00                 282           -          -          -                 $0.00
   283         $0.00       $0.00      $0.00                   $0.00             283           -          -          -                 $0.00
   284            -          -          -                 $0.00                 284           -          -          -                 $0.00
   285         $0.00       $0.00      $0.00                   $0.00             285           -          -          -                 $0.00
   286            -          -          -                 $0.00                 286           -          -          -                 $0.00
   287         $0.00       $0.00      $0.00                   $0.00             287           -          -          -                 $0.00
   288            -          -          -                 $0.00                 288           -          -          -                 $0.00
 Year-24          -          -          -                 $0.00               Year-24         -          -          -                 $0.00
   289         $0.00       $0.00      $0.00                   $0.00             289           -          -          -                 $0.00
   290            -          -          -                 $0.00                 290           -          -          -                 $0.00
   291         $0.00       $0.00      $0.00                   $0.00             291           -          -          -                 $0.00
   292            -          -          -                 $0.00                 292           -          -          -                 $0.00
   293         $0.00       $0.00      $0.00                   $0.00             293           -          -          -                 $0.00
   294            -          -          -                 $0.00                 294           -          -          -                 $0.00
   295         $0.00       $0.00      $0.00                   $0.00             295           -          -          -                 $0.00
   296            -          -          -                 $0.00                 296           -          -          -                 $0.00
   297         $0.00       $0.00      $0.00                   $0.00             297           -          -          -                 $0.00
   298            -          -          -                 $0.00                 298           -          -          -                 $0.00
   299         $0.00       $0.00      $0.00                   $0.00             299           -          -          -                 $0.00
   300            -          -          -                 $0.00                 300           -          -          -                 $0.00
 Year-25          -          -          -                 $0.00               Year-25         -          -          -                 $0.00




                                                                      Page 31 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
                Amortization Schedule - Loan #1                                             Amortization Schedule - Loan #2
                               0                                                                           0
Interest Rate:         0.00%                Amount Financed                 Interest Rate:         0.00%                Amount Financed
Amortization Period:          0 years            $0.00                      Amortization Period:          0 years            $0.00
Loan Type:                1     0           Monthly Payment:                Loan Type:                1     0           Monthly Payment:
                                                 $0.00                                                                       $0.00
  Month     Interest   Principal   Payment     Loan Balance                    Month    Interest   Principal   Payment     Loan Balance
   301         $0.00       Beginning Balance
                           $0.00       $0.00              $0.00
                                                           $0.00                301           -        Beginning Balance
                                                                                                         -           -                $0.00
   302            -          -          -                 $0.00                 302           -          -          -                 $0.00
   303         $0.00       $0.00      $0.00                   $0.00             303           -          -          -                 $0.00
   304            -          -          -                 $0.00                 304           -          -          -                 $0.00
   305         $0.00       $0.00      $0.00                   $0.00             305           -          -          -                 $0.00
   306            -          -          -                 $0.00                 306           -          -          -                 $0.00
   307         $0.00       $0.00      $0.00                   $0.00             307           -          -          -                 $0.00
   308            -          -          -                 $0.00                 308           -          -          -                 $0.00
   309         $0.00       $0.00      $0.00                   $0.00             309           -          -          -                 $0.00
   310            -          -          -                 $0.00                 310           -          -          -                 $0.00
   311         $0.00       $0.00      $0.00                   $0.00             311           -          -          -                 $0.00
   312            -          -          -                 $0.00                 312           -          -          -                 $0.00
 Year-26          -          -          -                 $0.00               Year-26         -          -          -                 $0.00
   313         $0.00       $0.00      $0.00                   $0.00             313           -          -          -                 $0.00
   314            -          -          -                 $0.00                 314           -          -          -                 $0.00
   315         $0.00       $0.00      $0.00                   $0.00             315           -          -          -                 $0.00
   316            -          -          -                 $0.00                 316           -          -          -                 $0.00
   317         $0.00       $0.00      $0.00                   $0.00             317           -          -          -                 $0.00
   318            -          -          -                 $0.00                 318           -          -          -                 $0.00
   319         $0.00       $0.00      $0.00                   $0.00             319           -          -          -                 $0.00
   320            -          -          -                 $0.00                 320           -          -          -                 $0.00
   321         $0.00       $0.00      $0.00                   $0.00             321           -          -          -                 $0.00
   322            -          -          -                 $0.00                 322           -          -          -                 $0.00
   323         $0.00       $0.00      $0.00                   $0.00             323           -          -          -                 $0.00
   324            -          -          -                 $0.00                 324           -          -          -                 $0.00
 Year-27          -          -          -                 $0.00               Year-27         -          -          -                 $0.00
   325         $0.00       $0.00      $0.00                   $0.00             325           -          -          -                 $0.00
   326            -          -          -                 $0.00                 326           -          -          -                 $0.00
   327         $0.00       $0.00      $0.00                   $0.00             327           -          -          -                 $0.00
   328            -          -          -                 $0.00                 328           -          -          -                 $0.00
   329         $0.00       $0.00      $0.00                   $0.00             329           -          -          -                 $0.00
   330            -          -          -                 $0.00                 330           -          -          -                 $0.00
   331         $0.00       $0.00      $0.00                   $0.00             331           -          -          -                 $0.00
   332            -          -          -                 $0.00                 332           -          -          -                 $0.00
   333         $0.00       $0.00      $0.00                   $0.00             333           -          -          -                 $0.00
   334            -          -          -                 $0.00                 334           -          -          -                 $0.00
   335         $0.00       $0.00      $0.00                   $0.00             335           -          -          -                 $0.00
   336            -          -          -                 $0.00                 336           -          -          -                 $0.00
 Year-28          -          -          -                 $0.00               Year-28         -          -          -                 $0.00
   337         $0.00       $0.00      $0.00                   $0.00             337           -          -          -                 $0.00
   338            -          -          -                 $0.00                 338           -          -          -                 $0.00
   339         $0.00       $0.00      $0.00                   $0.00             339           -          -          -                 $0.00
   340            -          -          -                 $0.00                 340           -          -          -                 $0.00
   341         $0.00       $0.00      $0.00                   $0.00             341           -          -          -                 $0.00
   342            -          -          -                 $0.00                 342           -          -          -                 $0.00
   343         $0.00       $0.00      $0.00                   $0.00             343           -          -          -                 $0.00
   344            -          -          -                 $0.00                 344           -          -          -                 $0.00
   345         $0.00       $0.00      $0.00                   $0.00             345           -          -          -                 $0.00
   346            -          -          -                 $0.00                 346           -          -          -                 $0.00
   347         $0.00       $0.00      $0.00                   $0.00             347           -          -          -                 $0.00
   348            -          -          -                 $0.00                 348           -          -          -                 $0.00
 Year-29          -          -          -                 $0.00               Year-29         -          -          -                 $0.00
   349         $0.00       $0.00      $0.00                   $0.00             349           -          -          -                 $0.00
   350            -          -          -                 $0.00                 350           -          -          -                 $0.00
   351         $0.00       $0.00      $0.00                   $0.00             351           -          -          -                 $0.00
   352            -          -          -                 $0.00                 352           -          -          -                 $0.00
   353         $0.00       $0.00      $0.00                   $0.00             353           -          -          -                 $0.00
   354            -          -          -                 $0.00                 354           -          -          -                 $0.00
   355         $0.00       $0.00      $0.00                   $0.00             355           -          -          -                 $0.00
   356            -          -          -                 $0.00                 356           -          -          -                 $0.00
   357         $0.00       $0.00      $0.00                   $0.00             357           -          -          -                 $0.00
   358            -          -          -                 $0.00                 358           -          -          -                 $0.00
   359         $0.00       $0.00      $0.00                   $0.00             359           -          -          -                 $0.00
   360            -          -          -                 $0.00                 360           -          -          -                 $0.00
 Year-30          -          -          -                 $0.00               Year-30         -          -          -                 $0.00




                                                                      Page 32 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
                Amortization Schedule - Loan #1                                             Amortization Schedule - Loan #2
                               0                                                                           0
Interest Rate:         0.00%                Amount Financed                 Interest Rate:         0.00%                Amount Financed
Amortization Period:          0 years            $0.00                      Amortization Period:          0 years            $0.00
Loan Type:                1     0           Monthly Payment:                Loan Type:                1     0           Monthly Payment:
                                                 $0.00                                                                       $0.00
  Month     Interest   Principal   Payment     Loan Balance                    Month    Interest   Principal   Payment     Loan Balance
   361         $0.00       Beginning Balance
                           $0.00       $0.00              $0.00
                                                           $0.00                361           -        Beginning Balance
                                                                                                         -           -                $0.00
   362            -          -          -                 $0.00                 362           -          -          -                 $0.00
   363         $0.00       $0.00      $0.00                   $0.00             363           -          -          -                 $0.00
   364            -          -          -                 $0.00                 364           -          -          -                 $0.00
   365         $0.00       $0.00      $0.00                   $0.00             365           -          -          -                 $0.00
   366            -          -          -                 $0.00                 366           -          -          -                 $0.00
   367         $0.00       $0.00      $0.00                   $0.00             367           -          -          -                 $0.00
   368            -          -          -                 $0.00                 368           -          -          -                 $0.00
   369         $0.00       $0.00      $0.00                   $0.00             369           -          -          -                 $0.00
   370            -          -          -                 $0.00                 370           -          -          -                 $0.00
   371         $0.00       $0.00      $0.00                   $0.00             371           -          -          -                 $0.00
   372            -          -          -                 $0.00                 372           -          -          -                 $0.00
 Year-31          -          -          -                 $0.00               Year-31         -          -          -                 $0.00
   373         $0.00       $0.00      $0.00                   $0.00             373           -          -          -                 $0.00
   374            -          -          -                 $0.00                 374           -          -          -                 $0.00
   375         $0.00       $0.00      $0.00                   $0.00             375           -          -          -                 $0.00
   376            -          -          -                 $0.00                 376           -          -          -                 $0.00
   377         $0.00       $0.00      $0.00                   $0.00             377           -          -          -                 $0.00
   378            -          -          -                 $0.00                 378           -          -          -                 $0.00
   379         $0.00       $0.00      $0.00                   $0.00             379           -          -          -                 $0.00
   380            -          -          -                 $0.00                 380           -          -          -                 $0.00
   381         $0.00       $0.00      $0.00                   $0.00             381           -          -          -                 $0.00
   382            -          -          -                 $0.00                 382           -          -          -                 $0.00
   383         $0.00       $0.00      $0.00                   $0.00             383           -          -          -                 $0.00
   384            -          -          -                 $0.00                 384           -          -          -                 $0.00
 Year-32          -          -          -                 $0.00               Year-32         -          -          -                 $0.00
   385         $0.00       $0.00      $0.00                   $0.00             385           -          -          -                 $0.00
   386            -          -          -                 $0.00                 386           -          -          -                 $0.00
   387         $0.00       $0.00      $0.00                   $0.00             387           -          -          -                 $0.00
   388            -          -          -                 $0.00                 388           -          -          -                 $0.00
   389         $0.00       $0.00      $0.00                   $0.00             389           -          -          -                 $0.00
   390            -          -          -                 $0.00                 390           -          -          -                 $0.00
   391         $0.00       $0.00      $0.00                   $0.00             391           -          -          -                 $0.00
   392            -          -          -                 $0.00                 392           -          -          -                 $0.00
   393         $0.00       $0.00      $0.00                   $0.00             393           -          -          -                 $0.00
   394            -          -          -                 $0.00                 394           -          -          -                 $0.00
   395         $0.00       $0.00      $0.00                   $0.00             395           -          -          -                 $0.00
   396            -          -          -                 $0.00                 396           -          -          -                 $0.00
 Year-33          -          -          -                 $0.00               Year-33         -          -          -                 $0.00
   397         $0.00       $0.00      $0.00                   $0.00             397           -          -          -                 $0.00
   398            -          -          -                 $0.00                 398           -          -          -                 $0.00
   399         $0.00       $0.00      $0.00                   $0.00             399           -          -          -                 $0.00
   400            -          -          -                 $0.00                 400           -          -          -                 $0.00
   401         $0.00       $0.00      $0.00                   $0.00             401           -          -          -                 $0.00
   402            -          -          -                 $0.00                 402           -          -          -                 $0.00
   403         $0.00       $0.00      $0.00                   $0.00             403           -          -          -                 $0.00
   404            -          -          -                 $0.00                 404           -          -          -                 $0.00
   405         $0.00       $0.00      $0.00                   $0.00             405           -          -          -                 $0.00
   406            -          -          -                 $0.00                 406           -          -          -                 $0.00
   407         $0.00       $0.00      $0.00                   $0.00             407           -          -          -                 $0.00
   408            -          -          -                 $0.00                 408           -          -          -                 $0.00
 Year-34          -          -          -                 $0.00               Year-34         -          -          -                 $0.00
   409         $0.00       $0.00      $0.00                   $0.00             409           -          -          -                 $0.00
   410            -          -          -                 $0.00                 410           -          -          -                 $0.00
   411         $0.00       $0.00      $0.00                   $0.00             411           -          -          -                 $0.00
   412            -          -          -                 $0.00                 412           -          -          -                 $0.00
   413         $0.00       $0.00      $0.00                   $0.00             413           -          -          -                 $0.00
   414            -          -          -                 $0.00                 414           -          -          -                 $0.00
   415         $0.00       $0.00      $0.00                   $0.00             415           -          -          -                 $0.00
   416            -          -          -                 $0.00                 416           -          -          -                 $0.00
   417         $0.00       $0.00      $0.00                   $0.00             417           -          -          -                 $0.00
   418            -          -          -                 $0.00                 418           -          -          -                 $0.00
   419         $0.00       $0.00      $0.00                   $0.00             419           -          -          -                 $0.00
   420            -          -          -                 $0.00                 420           -          -          -                 $0.00
 Year-35          -          -          -                 $0.00               Year-35         -          -          -                 $0.00




                                                                      Page 33 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
                Amortization Schedule - Loan #1                                             Amortization Schedule - Loan #2
                               0                                                                           0
Interest Rate:         0.00%                Amount Financed                 Interest Rate:         0.00%                Amount Financed
Amortization Period:          0 years            $0.00                      Amortization Period:          0 years            $0.00
Loan Type:                1     0           Monthly Payment:                Loan Type:                1     0           Monthly Payment:
                                                 $0.00                                                                       $0.00
  Month     Interest   Principal   Payment     Loan Balance                    Month    Interest   Principal   Payment     Loan Balance
   421         $0.00       Beginning Balance
                           $0.00       $0.00              $0.00
                                                           $0.00                421           -        Beginning Balance
                                                                                                         -           -                $0.00
   422            -          -          -                 $0.00                 422           -          -          -                 $0.00
   423         $0.00       $0.00      $0.00                   $0.00             423           -          -          -                 $0.00
   424            -          -          -                 $0.00                 424           -          -          -                 $0.00
   425         $0.00       $0.00      $0.00                   $0.00             425           -          -          -                 $0.00
   426            -          -          -                 $0.00                 426           -          -          -                 $0.00
   427         $0.00       $0.00      $0.00                   $0.00             427           -          -          -                 $0.00
   428            -          -          -                 $0.00                 428           -          -          -                 $0.00
   429         $0.00       $0.00      $0.00                   $0.00             429           -          -          -                 $0.00
   430            -          -          -                 $0.00                 430           -          -          -                 $0.00
   431         $0.00       $0.00      $0.00                   $0.00             431           -          -          -                 $0.00
   432            -          -          -                 $0.00                 432           -          -          -                 $0.00
 Year-36          -          -          -                 $0.00               Year-36         -          -          -                 $0.00
   433         $0.00       $0.00      $0.00                   $0.00             433           -          -          -                 $0.00
   434            -          -          -                 $0.00                 434           -          -          -                 $0.00
   435         $0.00       $0.00      $0.00                   $0.00             435           -          -          -                 $0.00
   436            -          -          -                 $0.00                 436           -          -          -                 $0.00
   437         $0.00       $0.00      $0.00                   $0.00             437           -          -          -                 $0.00
   438            -          -          -                 $0.00                 438           -          -          -                 $0.00
   439         $0.00       $0.00      $0.00                   $0.00             439           -          -          -                 $0.00
   440            -          -          -                 $0.00                 440           -          -          -                 $0.00
   441         $0.00       $0.00      $0.00                   $0.00             441           -          -          -                 $0.00
   442            -          -          -                 $0.00                 442           -          -          -                 $0.00
   443         $0.00       $0.00      $0.00                   $0.00             443           -          -          -                 $0.00
   444            -          -          -                 $0.00                 444           -          -          -                 $0.00
 Year-37          -          -          -                 $0.00               Year-37         -          -          -                 $0.00
   445         $0.00       $0.00      $0.00                   $0.00             445           -          -          -                 $0.00
   446            -          -          -                 $0.00                 446           -          -          -                 $0.00
   447         $0.00       $0.00      $0.00                   $0.00             447           -          -          -                 $0.00
   448            -          -          -                 $0.00                 448           -          -          -                 $0.00
   449         $0.00       $0.00      $0.00                   $0.00             449           -          -          -                 $0.00
   450            -          -          -                 $0.00                 450           -          -          -                 $0.00
   451         $0.00       $0.00      $0.00                   $0.00             451           -          -          -                 $0.00
   452            -          -          -                 $0.00                 452           -          -          -                 $0.00
   453         $0.00       $0.00      $0.00                   $0.00             453           -          -          -                 $0.00
   454            -          -          -                 $0.00                 454           -          -          -                 $0.00
   455         $0.00       $0.00      $0.00                   $0.00             455           -          -          -                 $0.00
   456            -          -          -                 $0.00                 456           -          -          -                 $0.00
 Year-38          -          -          -                 $0.00               Year-38         -          -          -                 $0.00
   457         $0.00       $0.00      $0.00                   $0.00             457           -          -          -                 $0.00
   458            -          -          -                 $0.00                 458           -          -          -                 $0.00
   459         $0.00       $0.00      $0.00                   $0.00             459           -          -          -                 $0.00
   460            -          -          -                 $0.00                 460           -          -          -                 $0.00
   461         $0.00       $0.00      $0.00                   $0.00             461           -          -          -                 $0.00
   462            -          -          -                 $0.00                 462           -          -          -                 $0.00
   463         $0.00       $0.00      $0.00                   $0.00             463           -          -          -                 $0.00
   464            -          -          -                 $0.00                 464           -          -          -                 $0.00
   465         $0.00       $0.00      $0.00                   $0.00             465           -          -          -                 $0.00
   466            -          -          -                 $0.00                 466           -          -          -                 $0.00
   467         $0.00       $0.00      $0.00                   $0.00             467           -          -          -                 $0.00
   468            -          -          -                 $0.00                 468           -          -          -                 $0.00
 Year-39          -          -          -                 $0.00               Year-39         -          -          -                 $0.00
   469         $0.00       $0.00      $0.00                   $0.00             469           -          -          -                 $0.00
   470            -          -          -                 $0.00                 470           -          -          -                 $0.00
   471         $0.00       $0.00      $0.00                   $0.00             471           -          -          -                 $0.00
   472            -          -          -                 $0.00                 472           -          -          -                 $0.00
   473         $0.00       $0.00      $0.00                   $0.00             473           -          -          -                 $0.00
   474            -          -          -                 $0.00                 474           -          -          -                 $0.00
   475         $0.00       $0.00      $0.00                   $0.00             475           -          -          -                 $0.00
   476            -          -          -                 $0.00                 476           -          -          -                 $0.00
   477         $0.00       $0.00      $0.00                   $0.00             477           -          -          -                 $0.00
   478            -          -          -                 $0.00                 478           -          -          -                 $0.00
   479         $0.00       $0.00      $0.00                   $0.00             479           -          -          -                 $0.00
   480            -          -          -                 $0.00                 480           -          -          -                 $0.00
 Year-40          -          -          -                 $0.00               Year-40         -          -          -                 $0.00




                                                                      Page 34 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
                Amortization Schedule - Loan #3                                         Amortization Schedule - Loan #4
                               0                                                                       0
Interest Rate:         0.00%                Amount Financed             Interest Rate:         0.00%                Amount Financed
Amortization Period:          0 years            $0.00                  Amortization Period:          0 years            $0.00
Loan Type:                1     0           Monthly Payment:            Loan Type:                1     0           Monthly Payment:
                                                 $0.00                                                                   $0.00
  Month     Interest   Principal   Payment     Loan Balance                Month    Interest   Principal   Payment     Loan Balance
                           Beginning Balance              $0.00                                    Beginning Balance              $0.00
    1             -          -          -                 $0.00              1            -          -          -                 $0.00
    2             -          -          -                 $0.00              2            -          -          -                 $0.00
    3             -          -          -                 $0.00              3            -          -          -                 $0.00
    4             -          -          -                 $0.00              4            -          -          -                 $0.00
    5             -          -          -                 $0.00              5            -          -          -                 $0.00
    6             -          -          -                 $0.00              6            -          -          -                 $0.00
    7             -          -          -                 $0.00              7            -          -          -                 $0.00
    8             -          -          -                 $0.00              8            -          -          -                 $0.00
    9             -          -          -                 $0.00              9            -          -          -                 $0.00
   10             -          -          -                 $0.00             10            -          -          -                 $0.00
   11             -          -          -                 $0.00             11            -          -          -                 $0.00
   12             -          -          -                 $0.00             12            -          -          -                 $0.00
  Year-1          -          -          -                 $0.00            Year-1         -          -          -                 $0.00
   13             -          -          -                 $0.00             13            -          -          -                 $0.00
   14             -          -          -                 $0.00             14            -          -          -                 $0.00
   15             -          -          -                 $0.00             15            -          -          -                 $0.00
   16             -          -          -                 $0.00             16            -          -          -                 $0.00
   17             -          -          -                 $0.00             17            -          -          -                 $0.00
   18             -          -          -                 $0.00             18            -          -          -                 $0.00
   19             -          -          -                 $0.00             19            -          -          -                 $0.00
   20             -          -          -                 $0.00             20            -          -          -                 $0.00
   21             -          -          -                 $0.00             21            -          -          -                 $0.00
   22             -          -          -                 $0.00             22            -          -          -                 $0.00
   23             -          -          -                 $0.00             23            -          -          -                 $0.00
   24             -          -          -                 $0.00             24            -          -          -                 $0.00
  Year-2          -          -          -                 $0.00            Year-2         -          -          -                 $0.00
   25             -          -          -                 $0.00             25            -          -          -                 $0.00
   26             -          -          -                 $0.00             26            -          -          -                 $0.00
   27             -          -          -                 $0.00             27            -          -          -                 $0.00
   28             -          -          -                 $0.00             28            -          -          -                 $0.00
   29             -          -          -                 $0.00             29            -          -          -                 $0.00
   30             -          -          -                 $0.00             30            -          -          -                 $0.00
   31             -          -          -                 $0.00             31            -          -          -                 $0.00
   32             -          -          -                 $0.00             32            -          -          -                 $0.00
   33             -          -          -                 $0.00             33            -          -          -                 $0.00
   34             -          -          -                 $0.00             34            -          -          -                 $0.00
   35             -          -          -                 $0.00             35            -          -          -                 $0.00
   36             -          -          -                 $0.00             36            -          -          -                 $0.00
  Year-3          -          -          -                 $0.00            Year-3         -          -          -                 $0.00
   37             -          -          -                 $0.00             37            -          -          -                 $0.00
   38             -          -          -                 $0.00             38            -          -          -                 $0.00
   39             -          -          -                 $0.00             39            -          -          -                 $0.00
   40             -          -          -                 $0.00             40            -          -          -                 $0.00
   41             -          -          -                 $0.00             41            -          -          -                 $0.00
   42             -          -          -                 $0.00             42            -          -          -                 $0.00
   43             -          -          -                 $0.00             43            -          -          -                 $0.00
   44             -          -          -                 $0.00             44            -          -          -                 $0.00
   45             -          -          -                 $0.00             45            -          -          -                 $0.00
   46             -          -          -                 $0.00             46            -          -          -                 $0.00
   47             -          -          -                 $0.00             47            -          -          -                 $0.00
   48             -          -          -                 $0.00             48            -          -          -                 $0.00
  Year-4          -          -          -                 $0.00            Year-4         -          -          -                 $0.00
   49             -          -          -                 $0.00             49            -          -          -                 $0.00
   50             -          -          -                 $0.00             50            -          -          -                 $0.00
   51             -          -          -                 $0.00             51            -          -          -                 $0.00
   52             -          -          -                 $0.00             52            -          -          -                 $0.00
   53             -          -          -                 $0.00             53            -          -          -                 $0.00
   54             -          -          -                 $0.00             54            -          -          -                 $0.00
   55             -          -          -                 $0.00             55            -          -          -                 $0.00
   56             -          -          -                 $0.00             56            -          -          -                 $0.00
   57             -          -          -                 $0.00             57            -          -          -                 $0.00
   58             -          -          -                 $0.00             58            -          -          -                 $0.00
   59             -          -          -                 $0.00             59            -          -          -                 $0.00
   60             -          -          -                 $0.00             60            -          -          -                 $0.00
  Year-5          -          -          -                 $0.00            Year-5         -          -          -                 $0.00




                                                                  Page 35 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
                Amortization Schedule - Loan #3                                         Amortization Schedule - Loan #4
                               0                                                                       0
Interest Rate:         0.00%                Amount Financed             Interest Rate:         0.00%                Amount Financed
Amortization Period:          0 years            $0.00                  Amortization Period:          0 years            $0.00
Loan Type:                1     0           Monthly Payment:            Loan Type:                1     0           Monthly Payment:
                                                 $0.00                                                                   $0.00
  Month     Interest   Principal   Payment     Loan Balance                Month    Interest   Principal   Payment     Loan Balance
   61             -        Beginning Balance
                             -           -                $0.00             61            -        Beginning Balance
                                                                                                     -           -                $0.00
   62             -          -          -                 $0.00             62            -          -          -                 $0.00
   63             -          -          -                 $0.00             63            -          -          -                 $0.00
   64             -          -          -                 $0.00             64            -          -          -                 $0.00
   65             -          -          -                 $0.00             65            -          -          -                 $0.00
   66             -          -          -                 $0.00             66            -          -          -                 $0.00
   67             -          -          -                 $0.00             67            -          -          -                 $0.00
   68             -          -          -                 $0.00             68            -          -          -                 $0.00
   69             -          -          -                 $0.00             69            -          -          -                 $0.00
   70             -          -          -                 $0.00             70            -          -          -                 $0.00
   71             -          -          -                 $0.00             71            -          -          -                 $0.00
   72             -          -          -                 $0.00             72            -          -          -                 $0.00
  Year-6          -          -          -                 $0.00            Year-6         -          -          -                 $0.00
   73             -          -          -                 $0.00             73            -          -          -                 $0.00
   74             -          -          -                 $0.00             74            -          -          -                 $0.00
   75             -          -          -                 $0.00             75            -          -          -                 $0.00
   76             -          -          -                 $0.00             76            -          -          -                 $0.00
   77             -          -          -                 $0.00             77            -          -          -                 $0.00
   78             -          -          -                 $0.00             78            -          -          -                 $0.00
   79             -          -          -                 $0.00             79            -          -          -                 $0.00
   80             -          -          -                 $0.00             80            -          -          -                 $0.00
   81             -          -          -                 $0.00             81            -          -          -                 $0.00
   82             -          -          -                 $0.00             82            -          -          -                 $0.00
   83             -          -          -                 $0.00             83            -          -          -                 $0.00
   84             -          -          -                 $0.00             84            -          -          -                 $0.00
  Year-7          -          -          -                 $0.00            Year-7         -          -          -                 $0.00
   85             -          -          -                 $0.00             85            -          -          -                 $0.00
   86             -          -          -                 $0.00             86            -          -          -                 $0.00
   87             -          -          -                 $0.00             87            -          -          -                 $0.00
   88             -          -          -                 $0.00             88            -          -          -                 $0.00
   89             -          -          -                 $0.00             89            -          -          -                 $0.00
   90             -          -          -                 $0.00             90            -          -          -                 $0.00
   91             -          -          -                 $0.00             91            -          -          -                 $0.00
   92             -          -          -                 $0.00             92            -          -          -                 $0.00
   93             -          -          -                 $0.00             93            -          -          -                 $0.00
   94             -          -          -                 $0.00             94            -          -          -                 $0.00
   95             -          -          -                 $0.00             95            -          -          -                 $0.00
   96             -          -          -                 $0.00             96            -          -          -                 $0.00
  Year-8          -          -          -                 $0.00            Year-8         -          -          -                 $0.00
   97             -          -          -                 $0.00             97            -          -          -                 $0.00
   98             -          -          -                 $0.00             98            -          -          -                 $0.00
   99             -          -          -                 $0.00             99            -          -          -                 $0.00
   100            -          -          -                 $0.00             100           -          -          -                 $0.00
   101            -          -          -                 $0.00             101           -          -          -                 $0.00
   102            -          -          -                 $0.00             102           -          -          -                 $0.00
   103            -          -          -                 $0.00             103           -          -          -                 $0.00
   104            -          -          -                 $0.00             104           -          -          -                 $0.00
   105            -          -          -                 $0.00             105           -          -          -                 $0.00
   106            -          -          -                 $0.00             106           -          -          -                 $0.00
   107            -          -          -                 $0.00             107           -          -          -                 $0.00
   108            -          -          -                 $0.00             108           -          -          -                 $0.00
  Year-9          -          -          -                 $0.00            Year-9         -          -          -                 $0.00
   109            -          -          -                 $0.00             109           -          -          -                 $0.00
   110            -          -          -                 $0.00             110           -          -          -                 $0.00
   111            -          -          -                 $0.00             111           -          -          -                 $0.00
   112            -          -          -                 $0.00             112           -          -          -                 $0.00
   113            -          -          -                 $0.00             113           -          -          -                 $0.00
   114            -          -          -                 $0.00             114           -          -          -                 $0.00
   115            -          -          -                 $0.00             115           -          -          -                 $0.00
   116            -          -          -                 $0.00             116           -          -          -                 $0.00
   117            -          -          -                 $0.00             117           -          -          -                 $0.00
   118            -          -          -                 $0.00             118           -          -          -                 $0.00
   119            -          -          -                 $0.00             119           -          -          -                 $0.00
   120            -          -          -                 $0.00             120           -          -          -                 $0.00
 Year-10          -          -          -                 $0.00           Year-10         -          -          -                 $0.00




                                                                  Page 36 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
                Amortization Schedule - Loan #3                                         Amortization Schedule - Loan #4
                               0                                                                       0
Interest Rate:         0.00%                Amount Financed             Interest Rate:         0.00%                Amount Financed
Amortization Period:          0 years            $0.00                  Amortization Period:          0 years            $0.00
Loan Type:                1     0           Monthly Payment:            Loan Type:                1     0           Monthly Payment:
                                                 $0.00                                                                   $0.00
  Month     Interest   Principal   Payment     Loan Balance                Month    Interest   Principal   Payment     Loan Balance
   121            -        Beginning Balance
                             -           -                $0.00             121           -        Beginning Balance
                                                                                                     -           -                $0.00
   122            -          -          -                 $0.00             122           -          -          -                 $0.00
   123            -          -          -                 $0.00             123           -          -          -                 $0.00
   124            -          -          -                 $0.00             124           -          -          -                 $0.00
   125            -          -          -                 $0.00             125           -          -          -                 $0.00
   126            -          -          -                 $0.00             126           -          -          -                 $0.00
   127            -          -          -                 $0.00             127           -          -          -                 $0.00
   128            -          -          -                 $0.00             128           -          -          -                 $0.00
   129            -          -          -                 $0.00             129           -          -          -                 $0.00
   130            -          -          -                 $0.00             130           -          -          -                 $0.00
   131            -          -          -                 $0.00             131           -          -          -                 $0.00
   132            -          -          -                 $0.00             132           -          -          -                 $0.00
 Year-11          -          -          -                 $0.00           Year-11         -          -          -                 $0.00
   133            -          -          -                 $0.00             133           -          -          -                 $0.00
   134            -          -          -                 $0.00             134           -          -          -                 $0.00
   135            -          -          -                 $0.00             135           -          -          -                 $0.00
   136            -          -          -                 $0.00             136           -          -          -                 $0.00
   137            -          -          -                 $0.00             137           -          -          -                 $0.00
   138            -          -          -                 $0.00             138           -          -          -                 $0.00
   139            -          -          -                 $0.00             139           -          -          -                 $0.00
   140            -          -          -                 $0.00             140           -          -          -                 $0.00
   141            -          -          -                 $0.00             141           -          -          -                 $0.00
   142            -          -          -                 $0.00             142           -          -          -                 $0.00
   143            -          -          -                 $0.00             143           -          -          -                 $0.00
   144            -          -          -                 $0.00             144           -          -          -                 $0.00
 Year-12          -          -          -                 $0.00           Year-12         -          -          -                 $0.00
   145            -          -          -                 $0.00             145           -          -          -                 $0.00
   146            -          -          -                 $0.00             146           -          -          -                 $0.00
   147            -          -          -                 $0.00             147           -          -          -                 $0.00
   148            -          -          -                 $0.00             148           -          -          -                 $0.00
   149            -          -          -                 $0.00             149           -          -          -                 $0.00
   150            -          -          -                 $0.00             150           -          -          -                 $0.00
   151            -          -          -                 $0.00             151           -          -          -                 $0.00
   152            -          -          -                 $0.00             152           -          -          -                 $0.00
   153            -          -          -                 $0.00             153           -          -          -                 $0.00
   154            -          -          -                 $0.00             154           -          -          -                 $0.00
   155            -          -          -                 $0.00             155           -          -          -                 $0.00
   156            -          -          -                 $0.00             156           -          -          -                 $0.00
 Year-13          -          -          -                 $0.00           Year-13         -          -          -                 $0.00
   157            -          -          -                 $0.00             157           -          -          -                 $0.00
   158            -          -          -                 $0.00             158           -          -          -                 $0.00
   159            -          -          -                 $0.00             159           -          -          -                 $0.00
   160            -          -          -                 $0.00             160           -          -          -                 $0.00
   161            -          -          -                 $0.00             161           -          -          -                 $0.00
   162            -          -          -                 $0.00             162           -          -          -                 $0.00
   163            -          -          -                 $0.00             163           -          -          -                 $0.00
   164            -          -          -                 $0.00             164           -          -          -                 $0.00
   165            -          -          -                 $0.00             165           -          -          -                 $0.00
   166            -          -          -                 $0.00             166           -          -          -                 $0.00
   167            -          -          -                 $0.00             167           -          -          -                 $0.00
   168            -          -          -                 $0.00             168           -          -          -                 $0.00
 Year-14          -          -          -                 $0.00           Year-14         -          -          -                 $0.00
   169            -          -          -                 $0.00             169           -          -          -                 $0.00
   170            -          -          -                 $0.00             170           -          -          -                 $0.00
   171            -          -          -                 $0.00             171           -          -          -                 $0.00
   172            -          -          -                 $0.00             172           -          -          -                 $0.00
   173            -          -          -                 $0.00             173           -          -          -                 $0.00
   174            -          -          -                 $0.00             174           -          -          -                 $0.00
   175            -          -          -                 $0.00             175           -          -          -                 $0.00
   176            -          -          -                 $0.00             176           -          -          -                 $0.00
   177            -          -          -                 $0.00             177           -          -          -                 $0.00
   178            -          -          -                 $0.00             178           -          -          -                 $0.00
   179            -          -          -                 $0.00             179           -          -          -                 $0.00
   180            -          -          -                 $0.00             180           -          -          -                 $0.00
 Year-15          -          -          -                 $0.00           Year-15         -          -          -                 $0.00




                                                                  Page 37 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
                Amortization Schedule - Loan #3                                         Amortization Schedule - Loan #4
                               0                                                                       0
Interest Rate:         0.00%                Amount Financed             Interest Rate:         0.00%                Amount Financed
Amortization Period:          0 years            $0.00                  Amortization Period:          0 years            $0.00
Loan Type:                1     0           Monthly Payment:            Loan Type:                1     0           Monthly Payment:
                                                 $0.00                                                                   $0.00
  Month     Interest   Principal   Payment     Loan Balance                Month    Interest   Principal   Payment     Loan Balance
   181            -        Beginning Balance
                             -           -                $0.00             181           -        Beginning Balance
                                                                                                     -           -                $0.00
   182            -          -          -                 $0.00             182           -          -          -                 $0.00
   183            -          -          -                 $0.00             183           -          -          -                 $0.00
   184            -          -          -                 $0.00             184           -          -          -                 $0.00
   185            -          -          -                 $0.00             185           -          -          -                 $0.00
   186            -          -          -                 $0.00             186           -          -          -                 $0.00
   187            -          -          -                 $0.00             187           -          -          -                 $0.00
   188            -          -          -                 $0.00             188           -          -          -                 $0.00
   189            -          -          -                 $0.00             189           -          -          -                 $0.00
   190            -          -          -                 $0.00             190           -          -          -                 $0.00
   191            -          -          -                 $0.00             191           -          -          -                 $0.00
   192            -          -          -                 $0.00             192           -          -          -                 $0.00
 Year-16          -          -          -                 $0.00           Year-16         -          -          -                 $0.00
   193            -          -          -                 $0.00             193           -          -          -                 $0.00
   194            -          -          -                 $0.00             194           -          -          -                 $0.00
   195            -          -          -                 $0.00             195           -          -          -                 $0.00
   196            -          -          -                 $0.00             196           -          -          -                 $0.00
   197            -          -          -                 $0.00             197           -          -          -                 $0.00
   198            -          -          -                 $0.00             198           -          -          -                 $0.00
   199            -          -          -                 $0.00             199           -          -          -                 $0.00
   200            -          -          -                 $0.00             200           -          -          -                 $0.00
   201            -          -          -                 $0.00             201           -          -          -                 $0.00
   202            -          -          -                 $0.00             202           -          -          -                 $0.00
   203            -          -          -                 $0.00             203           -          -          -                 $0.00
   204            -          -          -                 $0.00             204           -          -          -                 $0.00
 Year-17          -          -          -                 $0.00           Year-17         -          -          -                 $0.00
   205            -          -          -                 $0.00             205           -          -          -                 $0.00
   206            -          -          -                 $0.00             206           -          -          -                 $0.00
   207            -          -          -                 $0.00             207           -          -          -                 $0.00
   208            -          -          -                 $0.00             208           -          -          -                 $0.00
   209            -          -          -                 $0.00             209           -          -          -                 $0.00
   210            -          -          -                 $0.00             210           -          -          -                 $0.00
   211            -          -          -                 $0.00             211           -          -          -                 $0.00
   212            -          -          -                 $0.00             212           -          -          -                 $0.00
   213            -          -          -                 $0.00             213           -          -          -                 $0.00
   214            -          -          -                 $0.00             214           -          -          -                 $0.00
   215            -          -          -                 $0.00             215           -          -          -                 $0.00
   216            -          -          -                 $0.00             216           -          -          -                 $0.00
 Year-18          -          -          -                 $0.00           Year-18         -          -          -                 $0.00
   217            -          -          -                 $0.00             217           -          -          -                 $0.00
   218            -          -          -                 $0.00             218           -          -          -                 $0.00
   219            -          -          -                 $0.00             219           -          -          -                 $0.00
   220            -          -          -                 $0.00             220           -          -          -                 $0.00
   221            -          -          -                 $0.00             221           -          -          -                 $0.00
   222            -          -          -                 $0.00             222           -          -          -                 $0.00
   223            -          -          -                 $0.00             223           -          -          -                 $0.00
   224            -          -          -                 $0.00             224           -          -          -                 $0.00
   225            -          -          -                 $0.00             225           -          -          -                 $0.00
   226            -          -          -                 $0.00             226           -          -          -                 $0.00
   227            -          -          -                 $0.00             227           -          -          -                 $0.00
   228            -          -          -                 $0.00             228           -          -          -                 $0.00
 Year-19          -          -          -                 $0.00           Year-19         -          -          -                 $0.00
   229            -          -          -                 $0.00             229           -          -          -                 $0.00
   230            -          -          -                 $0.00             230           -          -          -                 $0.00
   231            -          -          -                 $0.00             231           -          -          -                 $0.00
   232            -          -          -                 $0.00             232           -          -          -                 $0.00
   233            -          -          -                 $0.00             233           -          -          -                 $0.00
   234            -          -          -                 $0.00             234           -          -          -                 $0.00
   235            -          -          -                 $0.00             235           -          -          -                 $0.00
   236            -          -          -                 $0.00             236           -          -          -                 $0.00
   237            -          -          -                 $0.00             237           -          -          -                 $0.00
   238            -          -          -                 $0.00             238           -          -          -                 $0.00
   239            -          -          -                 $0.00             239           -          -          -                 $0.00
   240            -          -          -                 $0.00             240           -          -          -                 $0.00
 Year-20          -          -          -                 $0.00           Year-20         -          -          -                 $0.00




                                                                  Page 38 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
                Amortization Schedule - Loan #3                                         Amortization Schedule - Loan #4
                               0                                                                       0
Interest Rate:         0.00%                Amount Financed             Interest Rate:         0.00%                Amount Financed
Amortization Period:          0 years            $0.00                  Amortization Period:          0 years            $0.00
Loan Type:                1     0           Monthly Payment:            Loan Type:                1     0           Monthly Payment:
                                                 $0.00                                                                   $0.00
  Month     Interest   Principal   Payment     Loan Balance                Month    Interest   Principal   Payment     Loan Balance
   241            -        Beginning Balance
                             -           -                $0.00             241           -        Beginning Balance
                                                                                                     -           -                $0.00
   242            -          -          -                 $0.00             242           -          -          -                 $0.00
   243            -          -          -                 $0.00             243           -          -          -                 $0.00
   244            -          -          -                 $0.00             244           -          -          -                 $0.00
   245            -          -          -                 $0.00             245           -          -          -                 $0.00
   246            -          -          -                 $0.00             246           -          -          -                 $0.00
   247            -          -          -                 $0.00             247           -          -          -                 $0.00
   248            -          -          -                 $0.00             248           -          -          -                 $0.00
   249            -          -          -                 $0.00             249           -          -          -                 $0.00
   250            -          -          -                 $0.00             250           -          -          -                 $0.00
   251            -          -          -                 $0.00             251           -          -          -                 $0.00
   252            -          -          -                 $0.00             252           -          -          -                 $0.00
 Year-21          -          -          -                 $0.00           Year-21         -          -          -                 $0.00
   253            -          -          -                 $0.00             253           -          -          -                 $0.00
   254            -          -          -                 $0.00             254           -          -          -                 $0.00
   255            -          -          -                 $0.00             255           -          -          -                 $0.00
   256            -          -          -                 $0.00             256           -          -          -                 $0.00
   257            -          -          -                 $0.00             257           -          -          -                 $0.00
   258            -          -          -                 $0.00             258           -          -          -                 $0.00
   259            -          -          -                 $0.00             259           -          -          -                 $0.00
   260            -          -          -                 $0.00             260           -          -          -                 $0.00
   261            -          -          -                 $0.00             261           -          -          -                 $0.00
   262            -          -          -                 $0.00             262           -          -          -                 $0.00
   263            -          -          -                 $0.00             263           -          -          -                 $0.00
   264            -          -          -                 $0.00             264           -          -          -                 $0.00
 Year-22          -          -          -                 $0.00           Year-22         -          -          -                 $0.00
   265            -          -          -                 $0.00             265           -          -          -                 $0.00
   266            -          -          -                 $0.00             266           -          -          -                 $0.00
   267            -          -          -                 $0.00             267           -          -          -                 $0.00
   268            -          -          -                 $0.00             268           -          -          -                 $0.00
   269            -          -          -                 $0.00             269           -          -          -                 $0.00
   270            -          -          -                 $0.00             270           -          -          -                 $0.00
   271            -          -          -                 $0.00             271           -          -          -                 $0.00
   272            -          -          -                 $0.00             272           -          -          -                 $0.00
   273            -          -          -                 $0.00             273           -          -          -                 $0.00
   274            -          -          -                 $0.00             274           -          -          -                 $0.00
   275            -          -          -                 $0.00             275           -          -          -                 $0.00
   276            -          -          -                 $0.00             276           -          -          -                 $0.00
 Year-23          -          -          -                 $0.00           Year-23         -          -          -                 $0.00
   277            -          -          -                 $0.00             277           -          -          -                 $0.00
   278            -          -          -                 $0.00             278           -          -          -                 $0.00
   279            -          -          -                 $0.00             279           -          -          -                 $0.00
   280            -          -          -                 $0.00             280           -          -          -                 $0.00
   281            -          -          -                 $0.00             281           -          -          -                 $0.00
   282            -          -          -                 $0.00             282           -          -          -                 $0.00
   283            -          -          -                 $0.00             283           -          -          -                 $0.00
   284            -          -          -                 $0.00             284           -          -          -                 $0.00
   285            -          -          -                 $0.00             285           -          -          -                 $0.00
   286            -          -          -                 $0.00             286           -          -          -                 $0.00
   287            -          -          -                 $0.00             287           -          -          -                 $0.00
   288            -          -          -                 $0.00             288           -          -          -                 $0.00
 Year-24          -          -          -                 $0.00           Year-24         -          -          -                 $0.00
   289            -          -          -                 $0.00             289           -          -          -                 $0.00
   290            -          -          -                 $0.00             290           -          -          -                 $0.00
   291            -          -          -                 $0.00             291           -          -          -                 $0.00
   292            -          -          -                 $0.00             292           -          -          -                 $0.00
   293            -          -          -                 $0.00             293           -          -          -                 $0.00
   294            -          -          -                 $0.00             294           -          -          -                 $0.00
   295            -          -          -                 $0.00             295           -          -          -                 $0.00
   296            -          -          -                 $0.00             296           -          -          -                 $0.00
   297            -          -          -                 $0.00             297           -          -          -                 $0.00
   298            -          -          -                 $0.00             298           -          -          -                 $0.00
   299            -          -          -                 $0.00             299           -          -          -                 $0.00
   300            -          -          -                 $0.00             300           -          -          -                 $0.00
 Year-25          -          -          -                 $0.00           Year-25         -          -          -                 $0.00




                                                                  Page 39 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
                Amortization Schedule - Loan #3                                         Amortization Schedule - Loan #4
                               0                                                                       0
Interest Rate:         0.00%                Amount Financed             Interest Rate:         0.00%                Amount Financed
Amortization Period:          0 years            $0.00                  Amortization Period:          0 years            $0.00
Loan Type:                1     0           Monthly Payment:            Loan Type:                1     0           Monthly Payment:
                                                 $0.00                                                                   $0.00
  Month     Interest   Principal   Payment     Loan Balance                Month    Interest   Principal   Payment     Loan Balance
   301            -        Beginning Balance
                             -           -                $0.00             301           -        Beginning Balance
                                                                                                     -           -                $0.00
   302            -          -          -                 $0.00             302           -          -          -                 $0.00
   303            -          -          -                 $0.00             303           -          -          -                 $0.00
   304            -          -          -                 $0.00             304           -          -          -                 $0.00
   305            -          -          -                 $0.00             305           -          -          -                 $0.00
   306            -          -          -                 $0.00             306           -          -          -                 $0.00
   307            -          -          -                 $0.00             307           -          -          -                 $0.00
   308            -          -          -                 $0.00             308           -          -          -                 $0.00
   309            -          -          -                 $0.00             309           -          -          -                 $0.00
   310            -          -          -                 $0.00             310           -          -          -                 $0.00
   311            -          -          -                 $0.00             311           -          -          -                 $0.00
   312            -          -          -                 $0.00             312           -          -          -                 $0.00
 Year-26          -          -          -                 $0.00           Year-26         -          -          -                 $0.00
   313            -          -          -                 $0.00             313           -          -          -                 $0.00
   314            -          -          -                 $0.00             314           -          -          -                 $0.00
   315            -          -          -                 $0.00             315           -          -          -                 $0.00
   316            -          -          -                 $0.00             316           -          -          -                 $0.00
   317            -          -          -                 $0.00             317           -          -          -                 $0.00
   318            -          -          -                 $0.00             318           -          -          -                 $0.00
   319            -          -          -                 $0.00             319           -          -          -                 $0.00
   320            -          -          -                 $0.00             320           -          -          -                 $0.00
   321            -          -          -                 $0.00             321           -          -          -                 $0.00
   322            -          -          -                 $0.00             322           -          -          -                 $0.00
   323            -          -          -                 $0.00             323           -          -          -                 $0.00
   324            -          -          -                 $0.00             324           -          -          -                 $0.00
 Year-27          -          -          -                 $0.00           Year-27         -          -          -                 $0.00
   325            -          -          -                 $0.00             325           -          -          -                 $0.00
   326            -          -          -                 $0.00             326           -          -          -                 $0.00
   327            -          -          -                 $0.00             327           -          -          -                 $0.00
   328            -          -          -                 $0.00             328           -          -          -                 $0.00
   329            -          -          -                 $0.00             329           -          -          -                 $0.00
   330            -          -          -                 $0.00             330           -          -          -                 $0.00
   331            -          -          -                 $0.00             331           -          -          -                 $0.00
   332            -          -          -                 $0.00             332           -          -          -                 $0.00
   333            -          -          -                 $0.00             333           -          -          -                 $0.00
   334            -          -          -                 $0.00             334           -          -          -                 $0.00
   335            -          -          -                 $0.00             335           -          -          -                 $0.00
   336            -          -          -                 $0.00             336           -          -          -                 $0.00
 Year-28          -          -          -                 $0.00           Year-28         -          -          -                 $0.00
   337            -          -          -                 $0.00             337           -          -          -                 $0.00
   338            -          -          -                 $0.00             338           -          -          -                 $0.00
   339            -          -          -                 $0.00             339           -          -          -                 $0.00
   340            -          -          -                 $0.00             340           -          -          -                 $0.00
   341            -          -          -                 $0.00             341           -          -          -                 $0.00
   342            -          -          -                 $0.00             342           -          -          -                 $0.00
   343            -          -          -                 $0.00             343           -          -          -                 $0.00
   344            -          -          -                 $0.00             344           -          -          -                 $0.00
   345            -          -          -                 $0.00             345           -          -          -                 $0.00
   346            -          -          -                 $0.00             346           -          -          -                 $0.00
   347            -          -          -                 $0.00             347           -          -          -                 $0.00
   348            -          -          -                 $0.00             348           -          -          -                 $0.00
 Year-29          -          -          -                 $0.00           Year-29         -          -          -                 $0.00
   349            -          -          -                 $0.00             349           -          -          -                 $0.00
   350            -          -          -                 $0.00             350           -          -          -                 $0.00
   351            -          -          -                 $0.00             351           -          -          -                 $0.00
   352            -          -          -                 $0.00             352           -          -          -                 $0.00
   353            -          -          -                 $0.00             353           -          -          -                 $0.00
   354            -          -          -                 $0.00             354           -          -          -                 $0.00
   355            -          -          -                 $0.00             355           -          -          -                 $0.00
   356            -          -          -                 $0.00             356           -          -          -                 $0.00
   357            -          -          -                 $0.00             357           -          -          -                 $0.00
   358            -          -          -                 $0.00             358           -          -          -                 $0.00
   359            -          -          -                 $0.00             359           -          -          -                 $0.00
   360            -          -          -                 $0.00             360           -          -          -                 $0.00
 Year-30          -          -          -                 $0.00           Year-30         -          -          -                 $0.00




                                                                  Page 40 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
                Amortization Schedule - Loan #3                                         Amortization Schedule - Loan #4
                               0                                                                       0
Interest Rate:         0.00%                Amount Financed             Interest Rate:         0.00%                Amount Financed
Amortization Period:          0 years            $0.00                  Amortization Period:          0 years            $0.00
Loan Type:                1     0           Monthly Payment:            Loan Type:                1     0           Monthly Payment:
                                                 $0.00                                                                   $0.00
  Month     Interest   Principal   Payment     Loan Balance                Month    Interest   Principal   Payment     Loan Balance
   361            -        Beginning Balance
                             -           -                $0.00             361           -        Beginning Balance
                                                                                                     -           -                $0.00
   362            -          -          -                 $0.00             362           -          -          -                 $0.00
   363            -          -          -                 $0.00             363           -          -          -                 $0.00
   364            -          -          -                 $0.00             364           -          -          -                 $0.00
   365            -          -          -                 $0.00             365           -          -          -                 $0.00
   366            -          -          -                 $0.00             366           -          -          -                 $0.00
   367            -          -          -                 $0.00             367           -          -          -                 $0.00
   368            -          -          -                 $0.00             368           -          -          -                 $0.00
   369            -          -          -                 $0.00             369           -          -          -                 $0.00
   370            -          -          -                 $0.00             370           -          -          -                 $0.00
   371            -          -          -                 $0.00             371           -          -          -                 $0.00
   372            -          -          -                 $0.00             372           -          -          -                 $0.00
 Year-31          -          -          -                 $0.00           Year-31         -          -          -                 $0.00
   373            -          -          -                 $0.00             373           -          -          -                 $0.00
   374            -          -          -                 $0.00             374           -          -          -                 $0.00
   375            -          -          -                 $0.00             375           -          -          -                 $0.00
   376            -          -          -                 $0.00             376           -          -          -                 $0.00
   377            -          -          -                 $0.00             377           -          -          -                 $0.00
   378            -          -          -                 $0.00             378           -          -          -                 $0.00
   379            -          -          -                 $0.00             379           -          -          -                 $0.00
   380            -          -          -                 $0.00             380           -          -          -                 $0.00
   381            -          -          -                 $0.00             381           -          -          -                 $0.00
   382            -          -          -                 $0.00             382           -          -          -                 $0.00
   383            -          -          -                 $0.00             383           -          -          -                 $0.00
   384            -          -          -                 $0.00             384           -          -          -                 $0.00
 Year-32          -          -          -                 $0.00           Year-32         -          -          -                 $0.00
   385            -          -          -                 $0.00             385           -          -          -                 $0.00
   386            -          -          -                 $0.00             386           -          -          -                 $0.00
   387            -          -          -                 $0.00             387           -          -          -                 $0.00
   388            -          -          -                 $0.00             388           -          -          -                 $0.00
   389            -          -          -                 $0.00             389           -          -          -                 $0.00
   390            -          -          -                 $0.00             390           -          -          -                 $0.00
   391            -          -          -                 $0.00             391           -          -          -                 $0.00
   392            -          -          -                 $0.00             392           -          -          -                 $0.00
   393            -          -          -                 $0.00             393           -          -          -                 $0.00
   394            -          -          -                 $0.00             394           -          -          -                 $0.00
   395            -          -          -                 $0.00             395           -          -          -                 $0.00
   396            -          -          -                 $0.00             396           -          -          -                 $0.00
 Year-33          -          -          -                 $0.00           Year-33         -          -          -                 $0.00
   397            -          -          -                 $0.00             397           -          -          -                 $0.00
   398            -          -          -                 $0.00             398           -          -          -                 $0.00
   399            -          -          -                 $0.00             399           -          -          -                 $0.00
   400            -          -          -                 $0.00             400           -          -          -                 $0.00
   401            -          -          -                 $0.00             401           -          -          -                 $0.00
   402            -          -          -                 $0.00             402           -          -          -                 $0.00
   403            -          -          -                 $0.00             403           -          -          -                 $0.00
   404            -          -          -                 $0.00             404           -          -          -                 $0.00
   405            -          -          -                 $0.00             405           -          -          -                 $0.00
   406            -          -          -                 $0.00             406           -          -          -                 $0.00
   407            -          -          -                 $0.00             407           -          -          -                 $0.00
   408            -          -          -                 $0.00             408           -          -          -                 $0.00
 Year-34          -          -          -                 $0.00           Year-34         -          -          -                 $0.00
   409            -          -          -                 $0.00             409           -          -          -                 $0.00
   410            -          -          -                 $0.00             410           -          -          -                 $0.00
   411            -          -          -                 $0.00             411           -          -          -                 $0.00
   412            -          -          -                 $0.00             412           -          -          -                 $0.00
   413            -          -          -                 $0.00             413           -          -          -                 $0.00
   414            -          -          -                 $0.00             414           -          -          -                 $0.00
   415            -          -          -                 $0.00             415           -          -          -                 $0.00
   416            -          -          -                 $0.00             416           -          -          -                 $0.00
   417            -          -          -                 $0.00             417           -          -          -                 $0.00
   418            -          -          -                 $0.00             418           -          -          -                 $0.00
   419            -          -          -                 $0.00             419           -          -          -                 $0.00
   420            -          -          -                 $0.00             420           -          -          -                 $0.00
 Year-35          -          -          -                 $0.00           Year-35         -          -          -                 $0.00




                                                                  Page 41 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
                Amortization Schedule - Loan #3                                         Amortization Schedule - Loan #4
                               0                                                                       0
Interest Rate:         0.00%                Amount Financed             Interest Rate:         0.00%                Amount Financed
Amortization Period:          0 years            $0.00                  Amortization Period:          0 years            $0.00
Loan Type:                1     0           Monthly Payment:            Loan Type:                1     0           Monthly Payment:
                                                 $0.00                                                                   $0.00
  Month     Interest   Principal   Payment     Loan Balance                Month    Interest   Principal   Payment     Loan Balance
   421            -        Beginning Balance
                             -           -                $0.00             421           -        Beginning Balance
                                                                                                     -           -                $0.00
   422            -          -          -                 $0.00             422           -          -          -                 $0.00
   423            -          -          -                 $0.00             423           -          -          -                 $0.00
   424            -          -          -                 $0.00             424           -          -          -                 $0.00
   425            -          -          -                 $0.00             425           -          -          -                 $0.00
   426            -          -          -                 $0.00             426           -          -          -                 $0.00
   427            -          -          -                 $0.00             427           -          -          -                 $0.00
   428            -          -          -                 $0.00             428           -          -          -                 $0.00
   429            -          -          -                 $0.00             429           -          -          -                 $0.00
   430            -          -          -                 $0.00             430           -          -          -                 $0.00
   431            -          -          -                 $0.00             431           -          -          -                 $0.00
   432            -          -          -                 $0.00             432           -          -          -                 $0.00
 Year-36          -          -          -                 $0.00           Year-36         -          -          -                 $0.00
   433            -          -          -                 $0.00             433           -          -          -                 $0.00
   434            -          -          -                 $0.00             434           -          -          -                 $0.00
   435            -          -          -                 $0.00             435           -          -          -                 $0.00
   436            -          -          -                 $0.00             436           -          -          -                 $0.00
   437            -          -          -                 $0.00             437           -          -          -                 $0.00
   438            -          -          -                 $0.00             438           -          -          -                 $0.00
   439            -          -          -                 $0.00             439           -          -          -                 $0.00
   440            -          -          -                 $0.00             440           -          -          -                 $0.00
   441            -          -          -                 $0.00             441           -          -          -                 $0.00
   442            -          -          -                 $0.00             442           -          -          -                 $0.00
   443            -          -          -                 $0.00             443           -          -          -                 $0.00
   444            -          -          -                 $0.00             444           -          -          -                 $0.00
 Year-37          -          -          -                 $0.00           Year-37         -          -          -                 $0.00
   445            -          -          -                 $0.00             445           -          -          -                 $0.00
   446            -          -          -                 $0.00             446           -          -          -                 $0.00
   447            -          -          -                 $0.00             447           -          -          -                 $0.00
   448            -          -          -                 $0.00             448           -          -          -                 $0.00
   449            -          -          -                 $0.00             449           -          -          -                 $0.00
   450            -          -          -                 $0.00             450           -          -          -                 $0.00
   451            -          -          -                 $0.00             451           -          -          -                 $0.00
   452            -          -          -                 $0.00             452           -          -          -                 $0.00
   453            -          -          -                 $0.00             453           -          -          -                 $0.00
   454            -          -          -                 $0.00             454           -          -          -                 $0.00
   455            -          -          -                 $0.00             455           -          -          -                 $0.00
   456            -          -          -                 $0.00             456           -          -          -                 $0.00
 Year-38          -          -          -                 $0.00           Year-38         -          -          -                 $0.00
   457            -          -          -                 $0.00             457           -          -          -                 $0.00
   458            -          -          -                 $0.00             458           -          -          -                 $0.00
   459            -          -          -                 $0.00             459           -          -          -                 $0.00
   460            -          -          -                 $0.00             460           -          -          -                 $0.00
   461            -          -          -                 $0.00             461           -          -          -                 $0.00
   462            -          -          -                 $0.00             462           -          -          -                 $0.00
   463            -          -          -                 $0.00             463           -          -          -                 $0.00
   464            -          -          -                 $0.00             464           -          -          -                 $0.00
   465            -          -          -                 $0.00             465           -          -          -                 $0.00
   466            -          -          -                 $0.00             466           -          -          -                 $0.00
   467            -          -          -                 $0.00             467           -          -          -                 $0.00
   468            -          -          -                 $0.00             468           -          -          -                 $0.00
 Year-39          -          -          -                 $0.00           Year-39         -          -          -                 $0.00
   469            -          -          -                 $0.00             469           -          -          -                 $0.00
   470            -          -          -                 $0.00             470           -          -          -                 $0.00
   471            -          -          -                 $0.00             471           -          -          -                 $0.00
   472            -          -          -                 $0.00             472           -          -          -                 $0.00
   473            -          -          -                 $0.00             473           -          -          -                 $0.00
   474            -          -          -                 $0.00             474           -          -          -                 $0.00
   475            -          -          -                 $0.00             475           -          -          -                 $0.00
   476            -          -          -                 $0.00             476           -          -          -                 $0.00
   477            -          -          -                 $0.00             477           -          -          -                 $0.00
   478            -          -          -                 $0.00             478           -          -          -                 $0.00
   479            -          -          -                 $0.00             479           -          -          -                 $0.00
   480            -          -          -                 $0.00             480           -          -          -                 $0.00
 Year-40          -          -          -                 $0.00           Year-40         -          -          -                 $0.00




                                                                  Page 42 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization

         Amortization Schedule - Deferred Developer Fee                                   Amortization Schedule - OWHLF Loan
Interest Rate:          0.00%                Amount Financed                Interest Rate:          0.00%              Amount Financed
Amortization Period:          0 years             $0.00                     Amortization Period:          0 years            $0.00
Loan Type:                 1     0           Monthly Payment:               Loan Type:                 1    0          Monthly Payment:
                                                  $0.00                                                                      $0.00
  Month     Interest   Principal   Payment     Loan Balance                    Month    Interest   Principal   Payment     Loan Balance
                           Beginning Balance              $0.00                                        Beginning Balance              $0.00
    1          $0.00       $0.00      $0.00                   $0.00              1         $0.00       $0.00      $0.00                   $0.00
    2             -          -          -                 $0.00                  2            -          -          -                 $0.00
    3          $0.00       $0.00      $0.00                   $0.00              3         $0.00       $0.00      $0.00                   $0.00
    4             -          -          -                 $0.00                  4            -          -          -                 $0.00
    5          $0.00       $0.00      $0.00                   $0.00              5         $0.00       $0.00      $0.00                   $0.00
    6             -          -          -                 $0.00                  6            -          -          -                 $0.00
    7          $0.00       $0.00      $0.00                   $0.00              7         $0.00       $0.00      $0.00                   $0.00
    8             -          -          -                 $0.00                  8            -          -          -                 $0.00
    9          $0.00       $0.00      $0.00                   $0.00              9         $0.00       $0.00      $0.00                   $0.00
   10             -          -          -                 $0.00                 10            -          -          -                 $0.00
   11          $0.00       $0.00      $0.00                   $0.00             11         $0.00       $0.00      $0.00                   $0.00
   12             -          -          -                 $0.00                 12            -          -          -                 $0.00
  Year-1          -          -          -                 $0.00                Year-1         -          -          -                 $0.00
   13          $0.00       $0.00      $0.00                   $0.00             13         $0.00       $0.00      $0.00                   $0.00
   14             -          -          -                 $0.00                 14            -          -          -                 $0.00
   15          $0.00       $0.00      $0.00                   $0.00             15         $0.00       $0.00      $0.00                   $0.00
   16             -          -          -                 $0.00                 16            -          -          -                 $0.00
   17          $0.00       $0.00      $0.00                   $0.00             17         $0.00       $0.00      $0.00                   $0.00
   18             -          -          -                 $0.00                 18            -          -          -                 $0.00
   19          $0.00       $0.00      $0.00                   $0.00             19         $0.00       $0.00      $0.00                   $0.00
   20             -          -          -                 $0.00                 20            -          -          -                 $0.00
   21          $0.00       $0.00      $0.00                   $0.00             21         $0.00       $0.00      $0.00                   $0.00
   22             -          -          -                 $0.00                 22            -          -          -                 $0.00
   23          $0.00       $0.00      $0.00                   $0.00             23         $0.00       $0.00      $0.00                   $0.00
   24             -          -          -                 $0.00                 24            -          -          -                 $0.00
  Year-2          -          -          -                 $0.00                Year-2         -          -          -                 $0.00
   25          $0.00       $0.00      $0.00                   $0.00             25         $0.00       $0.00      $0.00                   $0.00
   26             -          -          -                 $0.00                 26            -          -          -                 $0.00
   27          $0.00       $0.00      $0.00                   $0.00             27         $0.00       $0.00      $0.00                   $0.00
   28             -          -          -                 $0.00                 28            -          -          -                 $0.00
   29          $0.00       $0.00      $0.00                   $0.00             29         $0.00       $0.00      $0.00                   $0.00
   30             -          -          -                 $0.00                 30            -          -          -                 $0.00
   31          $0.00       $0.00      $0.00                   $0.00             31         $0.00       $0.00      $0.00                   $0.00
   32             -          -          -                 $0.00                 32            -          -          -                 $0.00
   33          $0.00       $0.00      $0.00                   $0.00             33         $0.00       $0.00      $0.00                   $0.00
   34             -          -          -                 $0.00                 34            -          -          -                 $0.00
   35          $0.00       $0.00      $0.00                   $0.00             35         $0.00       $0.00      $0.00                   $0.00
   36             -          -          -                 $0.00                 36            -          -          -                 $0.00
  Year-3          -          -          -                 $0.00                Year-3         -          -          -                 $0.00
   37          $0.00       $0.00      $0.00                   $0.00             37         $0.00       $0.00      $0.00                   $0.00
   38             -          -          -                 $0.00                 38            -          -          -                 $0.00
   39          $0.00       $0.00      $0.00                   $0.00             39         $0.00       $0.00      $0.00                   $0.00
   40             -          -          -                 $0.00                 40            -          -          -                 $0.00
   41          $0.00       $0.00      $0.00                   $0.00             41         $0.00       $0.00      $0.00                   $0.00
   42             -          -          -                 $0.00                 42            -          -          -                 $0.00
   43          $0.00       $0.00      $0.00                   $0.00             43         $0.00       $0.00      $0.00                   $0.00
   44             -          -          -                 $0.00                 44            -          -          -                 $0.00
   45          $0.00       $0.00      $0.00                   $0.00             45         $0.00       $0.00      $0.00                   $0.00
   46             -          -          -                 $0.00                 46            -          -          -                 $0.00
   47          $0.00       $0.00      $0.00                   $0.00             47         $0.00       $0.00      $0.00                   $0.00
   48             -          -          -                 $0.00                 48            -          -          -                 $0.00
  Year-4          -          -          -                 $0.00                Year-4         -          -          -                 $0.00
   49          $0.00       $0.00      $0.00                   $0.00             49         $0.00       $0.00      $0.00                   $0.00
   50             -          -          -                 $0.00                 50            -          -          -                 $0.00
   51          $0.00       $0.00      $0.00                   $0.00             51         $0.00       $0.00      $0.00                   $0.00
   52             -          -          -                 $0.00                 52            -          -          -                 $0.00
   53          $0.00       $0.00      $0.00                   $0.00             53         $0.00       $0.00      $0.00                   $0.00
   54             -          -          -                 $0.00                 54            -          -          -                 $0.00
   55          $0.00       $0.00      $0.00                   $0.00             55         $0.00       $0.00      $0.00                   $0.00
   56             -          -          -                 $0.00                 56            -          -          -                 $0.00
   57          $0.00       $0.00      $0.00                   $0.00             57         $0.00       $0.00      $0.00                   $0.00
   58             -          -          -                 $0.00                 58            -          -          -                 $0.00
   59          $0.00       $0.00      $0.00                   $0.00             59         $0.00       $0.00      $0.00                   $0.00
   60             -          -          -                 $0.00                 60            -          -          -                 $0.00
  Year-5          -          -          -                 $0.00                Year-5         -          -          -                 $0.00




                                                                      Page 43 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization

         Amortization Schedule - Deferred Developer Fee                                   Amortization Schedule - OWHLF Loan
Interest Rate:          0.00%                Amount Financed                Interest Rate:          0.00%              Amount Financed
Amortization Period:          0 years             $0.00                     Amortization Period:          0 years            $0.00
Loan Type:                 1     0           Monthly Payment:               Loan Type:                 1    0          Monthly Payment:
                                                  $0.00                                                                      $0.00
  Month     Interest   Principal   Payment     Loan Balance                    Month    Interest   Principal   Payment     Loan Balance
   61          $0.00       Beginning Balance
                           $0.00       $0.00              $0.00
                                                           $0.00                61         $0.00       Beginning Balance
                                                                                                       $0.00       $0.00              $0.00
                                                                                                                                       $0.00
   62             -          -          -                 $0.00                 62            -          -          -                 $0.00
   63          $0.00       $0.00      $0.00                   $0.00             63         $0.00       $0.00      $0.00                   $0.00
   64             -          -          -                 $0.00                 64            -          -          -                 $0.00
   65          $0.00       $0.00      $0.00                   $0.00             65         $0.00       $0.00      $0.00                   $0.00
   66             -          -          -                 $0.00                 66            -          -          -                 $0.00
   67          $0.00       $0.00      $0.00                   $0.00             67         $0.00       $0.00      $0.00                   $0.00
   68             -          -          -                 $0.00                 68            -          -          -                 $0.00
   69          $0.00       $0.00      $0.00                   $0.00             69         $0.00       $0.00      $0.00                   $0.00
   70             -          -          -                 $0.00                 70            -          -          -                 $0.00
   71          $0.00       $0.00      $0.00                   $0.00             71         $0.00       $0.00      $0.00                   $0.00
   72             -          -          -                 $0.00                 72            -          -          -                 $0.00
  Year-6          -          -          -                 $0.00                Year-6         -          -          -                 $0.00
   73          $0.00       $0.00      $0.00                   $0.00             73         $0.00       $0.00      $0.00                   $0.00
   74             -          -          -                 $0.00                 74            -          -          -                 $0.00
   75          $0.00       $0.00      $0.00                   $0.00             75         $0.00       $0.00      $0.00                   $0.00
   76             -          -          -                 $0.00                 76            -          -          -                 $0.00
   77          $0.00       $0.00      $0.00                   $0.00             77         $0.00       $0.00      $0.00                   $0.00
   78             -          -          -                 $0.00                 78            -          -          -                 $0.00
   79          $0.00       $0.00      $0.00                   $0.00             79         $0.00       $0.00      $0.00                   $0.00
   80             -          -          -                 $0.00                 80            -          -          -                 $0.00
   81          $0.00       $0.00      $0.00                   $0.00             81         $0.00       $0.00      $0.00                   $0.00
   82             -          -          -                 $0.00                 82            -          -          -                 $0.00
   83          $0.00       $0.00      $0.00                   $0.00             83         $0.00       $0.00      $0.00                   $0.00
   84             -          -          -                 $0.00                 84            -          -          -                 $0.00
  Year-7          -          -          -                 $0.00                Year-7         -          -          -                 $0.00
   85          $0.00       $0.00      $0.00                   $0.00             85         $0.00       $0.00      $0.00                   $0.00
   86             -          -          -                 $0.00                 86            -          -          -                 $0.00
   87          $0.00       $0.00      $0.00                   $0.00             87         $0.00       $0.00      $0.00                   $0.00
   88             -          -          -                 $0.00                 88            -          -          -                 $0.00
   89          $0.00       $0.00      $0.00                   $0.00             89         $0.00       $0.00      $0.00                   $0.00
   90             -          -          -                 $0.00                 90            -          -          -                 $0.00
   91          $0.00       $0.00      $0.00                   $0.00             91         $0.00       $0.00      $0.00                   $0.00
   92             -          -          -                 $0.00                 92            -          -          -                 $0.00
   93          $0.00       $0.00      $0.00                   $0.00             93         $0.00       $0.00      $0.00                   $0.00
   94             -          -          -                 $0.00                 94            -          -          -                 $0.00
   95          $0.00       $0.00      $0.00                   $0.00             95         $0.00       $0.00      $0.00                   $0.00
   96             -          -          -                 $0.00                 96            -          -          -                 $0.00
  Year-8          -          -          -                 $0.00                Year-8         -          -          -                 $0.00
   97          $0.00       $0.00      $0.00                   $0.00             97         $0.00       $0.00      $0.00                   $0.00
   98             -          -          -                 $0.00                 98            -          -          -                 $0.00
   99          $0.00       $0.00      $0.00                   $0.00             99         $0.00       $0.00      $0.00                   $0.00
   100            -          -          -                 $0.00                 100           -          -          -                 $0.00
   101         $0.00       $0.00      $0.00                   $0.00             101        $0.00       $0.00      $0.00                   $0.00
   102            -          -          -                 $0.00                 102           -          -          -                 $0.00
   103         $0.00       $0.00      $0.00                   $0.00             103        $0.00       $0.00      $0.00                   $0.00
   104            -          -          -                 $0.00                 104           -          -          -                 $0.00
   105         $0.00       $0.00      $0.00                   $0.00             105        $0.00       $0.00      $0.00                   $0.00
   106            -          -          -                 $0.00                 106           -          -          -                 $0.00
   107         $0.00       $0.00      $0.00                   $0.00             107        $0.00       $0.00      $0.00                   $0.00
   108            -          -          -                 $0.00                 108           -          -          -                 $0.00
  Year-9          -          -          -                 $0.00                Year-9         -          -          -                 $0.00
   109         $0.00       $0.00      $0.00                   $0.00             109        $0.00       $0.00      $0.00                   $0.00
   110            -          -          -                 $0.00                 110           -          -          -                 $0.00
   111         $0.00       $0.00      $0.00                   $0.00             111        $0.00       $0.00      $0.00                   $0.00
   112            -          -          -                 $0.00                 112           -          -          -                 $0.00
   113         $0.00       $0.00      $0.00                   $0.00             113        $0.00       $0.00      $0.00                   $0.00
   114            -          -          -                 $0.00                 114           -          -          -                 $0.00
   115         $0.00       $0.00      $0.00                   $0.00             115        $0.00       $0.00      $0.00                   $0.00
   116            -          -          -                 $0.00                 116           -          -          -                 $0.00
   117         $0.00       $0.00      $0.00                   $0.00             117        $0.00       $0.00      $0.00                   $0.00
   118            -          -          -                 $0.00                 118           -          -          -                 $0.00
   119         $0.00       $0.00      $0.00                   $0.00             119        $0.00       $0.00      $0.00                   $0.00
   120            -          -          -                 $0.00                 120           -          -          -                 $0.00
 Year-10          -          -          -                 $0.00               Year-10         -          -          -                 $0.00




                                                                      Page 44 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization

         Amortization Schedule - Deferred Developer Fee                                   Amortization Schedule - OWHLF Loan
Interest Rate:          0.00%                Amount Financed                Interest Rate:          0.00%              Amount Financed
Amortization Period:          0 years             $0.00                     Amortization Period:          0 years            $0.00
Loan Type:                 1     0           Monthly Payment:               Loan Type:                 1    0          Monthly Payment:
                                                  $0.00                                                                      $0.00
  Month     Interest   Principal   Payment     Loan Balance                    Month    Interest   Principal   Payment     Loan Balance
   121         $0.00       Beginning Balance
                           $0.00       $0.00              $0.00
                                                           $0.00                121        $0.00       Beginning Balance
                                                                                                       $0.00       $0.00              $0.00
                                                                                                                                       $0.00
   122            -          -          -                 $0.00                 122           -          -          -                 $0.00
   123         $0.00       $0.00      $0.00                   $0.00             123        $0.00       $0.00      $0.00                   $0.00
   124            -          -          -                 $0.00                 124           -          -          -                 $0.00
   125         $0.00       $0.00      $0.00                   $0.00             125        $0.00       $0.00      $0.00                   $0.00
   126            -          -          -                 $0.00                 126           -          -          -                 $0.00
   127         $0.00       $0.00      $0.00                   $0.00             127        $0.00       $0.00      $0.00                   $0.00
   128            -          -          -                 $0.00                 128           -          -          -                 $0.00
   129         $0.00       $0.00      $0.00                   $0.00             129        $0.00       $0.00      $0.00                   $0.00
   130            -          -          -                 $0.00                 130           -          -          -                 $0.00
   131         $0.00       $0.00      $0.00                   $0.00             131        $0.00       $0.00      $0.00                   $0.00
   132            -          -          -                 $0.00                 132           -          -          -                 $0.00
 Year-11          -          -          -                 $0.00               Year-11         -          -          -                 $0.00
   133         $0.00       $0.00      $0.00                   $0.00             133        $0.00       $0.00      $0.00                   $0.00
   134            -          -          -                 $0.00                 134           -          -          -                 $0.00
   135         $0.00       $0.00      $0.00                   $0.00             135        $0.00       $0.00      $0.00                   $0.00
   136            -          -          -                 $0.00                 136           -          -          -                 $0.00
   137         $0.00       $0.00      $0.00                   $0.00             137        $0.00       $0.00      $0.00                   $0.00
   138            -          -          -                 $0.00                 138           -          -          -                 $0.00
   139         $0.00       $0.00      $0.00                   $0.00             139        $0.00       $0.00      $0.00                   $0.00
   140            -          -          -                 $0.00                 140           -          -          -                 $0.00
   141         $0.00       $0.00      $0.00                   $0.00             141        $0.00       $0.00      $0.00                   $0.00
   142            -          -          -                 $0.00                 142           -          -          -                 $0.00
   143         $0.00       $0.00      $0.00                   $0.00             143        $0.00       $0.00      $0.00                   $0.00
   144            -          -          -                 $0.00                 144           -          -          -                 $0.00
 Year-12          -          -          -                 $0.00               Year-12         -          -          -                 $0.00
   145         $0.00       $0.00      $0.00                   $0.00             145        $0.00       $0.00      $0.00                   $0.00
   146            -          -          -                 $0.00                 146           -          -          -                 $0.00
   147         $0.00       $0.00      $0.00                   $0.00             147        $0.00       $0.00      $0.00                   $0.00
   148            -          -          -                 $0.00                 148           -          -          -                 $0.00
   149         $0.00       $0.00      $0.00                   $0.00             149        $0.00       $0.00      $0.00                   $0.00
   150            -          -          -                 $0.00                 150           -          -          -                 $0.00
   151         $0.00       $0.00      $0.00                   $0.00             151        $0.00       $0.00      $0.00                   $0.00
   152            -          -          -                 $0.00                 152           -          -          -                 $0.00
   153         $0.00       $0.00      $0.00                   $0.00             153        $0.00       $0.00      $0.00                   $0.00
   154            -          -          -                 $0.00                 154           -          -          -                 $0.00
   155         $0.00       $0.00      $0.00                   $0.00             155        $0.00       $0.00      $0.00                   $0.00
   156            -          -          -                 $0.00                 156           -          -          -                 $0.00
 Year-13          -          -          -                 $0.00               Year-13         -          -          -                 $0.00
   157         $0.00       $0.00      $0.00                   $0.00             157        $0.00       $0.00      $0.00                   $0.00
   158            -          -          -                 $0.00                 158           -          -          -                 $0.00
   159         $0.00       $0.00      $0.00                   $0.00             159        $0.00       $0.00      $0.00                   $0.00
   160            -          -          -                 $0.00                 160           -          -          -                 $0.00
   161         $0.00       $0.00      $0.00                   $0.00             161        $0.00       $0.00      $0.00                   $0.00
   162            -          -          -                 $0.00                 162           -          -          -                 $0.00
   163         $0.00       $0.00      $0.00                   $0.00             163        $0.00       $0.00      $0.00                   $0.00
   164            -          -          -                 $0.00                 164           -          -          -                 $0.00
   165         $0.00       $0.00      $0.00                   $0.00             165        $0.00       $0.00      $0.00                   $0.00
   166            -          -          -                 $0.00                 166           -          -          -                 $0.00
   167         $0.00       $0.00      $0.00                   $0.00             167        $0.00       $0.00      $0.00                   $0.00
   168            -          -          -                 $0.00                 168           -          -          -                 $0.00
 Year-14          -          -          -                 $0.00               Year-14         -          -          -                 $0.00
   169         $0.00       $0.00      $0.00                   $0.00             169        $0.00       $0.00      $0.00                   $0.00
   170            -          -          -                 $0.00                 170           -          -          -                 $0.00
   171         $0.00       $0.00      $0.00                   $0.00             171        $0.00       $0.00      $0.00                   $0.00
   172            -          -          -                 $0.00                 172           -          -          -                 $0.00
   173         $0.00       $0.00      $0.00                   $0.00             173        $0.00       $0.00      $0.00                   $0.00
   174            -          -          -                 $0.00                 174           -          -          -                 $0.00
   175         $0.00       $0.00      $0.00                   $0.00             175        $0.00       $0.00      $0.00                   $0.00
   176            -          -          -                 $0.00                 176           -          -          -                 $0.00
   177         $0.00       $0.00      $0.00                   $0.00             177        $0.00       $0.00      $0.00                   $0.00
   178            -          -          -                 $0.00                 178           -          -          -                 $0.00
   179         $0.00       $0.00      $0.00                   $0.00             179        $0.00       $0.00      $0.00                   $0.00
   180            -          -          -                 $0.00                 180           -          -          -                 $0.00
 Year-15          -          -          -                 $0.00               Year-15         -          -          -                 $0.00




                                                                      Page 45 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization

         Amortization Schedule - Deferred Developer Fee                                   Amortization Schedule - OWHLF Loan
Interest Rate:          0.00%                Amount Financed                Interest Rate:          0.00%              Amount Financed
Amortization Period:          0 years             $0.00                     Amortization Period:          0 years            $0.00
Loan Type:                 1     0           Monthly Payment:               Loan Type:                 1    0          Monthly Payment:
                                                  $0.00                                                                      $0.00
  Month     Interest   Principal   Payment     Loan Balance                    Month    Interest   Principal   Payment     Loan Balance
   181         $0.00       Beginning Balance
                           $0.00       $0.00              $0.00
                                                           $0.00                181        $0.00       Beginning Balance
                                                                                                       $0.00       $0.00              $0.00
                                                                                                                                       $0.00
   182            -          -          -                 $0.00                 182           -          -          -                 $0.00
   183         $0.00       $0.00      $0.00                   $0.00             183        $0.00       $0.00      $0.00                   $0.00
   184            -          -          -                 $0.00                 184           -          -          -                 $0.00
   185         $0.00       $0.00      $0.00                   $0.00             185        $0.00       $0.00      $0.00                   $0.00
   186            -          -          -                 $0.00                 186           -          -          -                 $0.00
   187         $0.00       $0.00      $0.00                   $0.00             187        $0.00       $0.00      $0.00                   $0.00
   188            -          -          -                 $0.00                 188           -          -          -                 $0.00
   189         $0.00       $0.00      $0.00                   $0.00             189        $0.00       $0.00      $0.00                   $0.00
   190            -          -          -                 $0.00                 190           -          -          -                 $0.00
   191         $0.00       $0.00      $0.00                   $0.00             191        $0.00       $0.00      $0.00                   $0.00
   192            -          -          -                 $0.00                 192           -          -          -                 $0.00
 Year-16          -          -          -                 $0.00               Year-16         -          -          -                 $0.00
   193         $0.00       $0.00      $0.00                   $0.00             193        $0.00       $0.00      $0.00                   $0.00
   194            -          -          -                 $0.00                 194           -          -          -                 $0.00
   195         $0.00       $0.00      $0.00                   $0.00             195        $0.00       $0.00      $0.00                   $0.00
   196            -          -          -                 $0.00                 196           -          -          -                 $0.00
   197         $0.00       $0.00      $0.00                   $0.00             197        $0.00       $0.00      $0.00                   $0.00
   198            -          -          -                 $0.00                 198           -          -          -                 $0.00
   199         $0.00       $0.00      $0.00                   $0.00             199        $0.00       $0.00      $0.00                   $0.00
   200            -          -          -                 $0.00                 200           -          -          -                 $0.00
   201         $0.00       $0.00      $0.00                   $0.00             201        $0.00       $0.00      $0.00                   $0.00
   202            -          -          -                 $0.00                 202           -          -          -                 $0.00
   203         $0.00       $0.00      $0.00                   $0.00             203        $0.00       $0.00      $0.00                   $0.00
   204            -          -          -                 $0.00                 204           -          -          -                 $0.00
 Year-17          -          -          -                 $0.00               Year-17         -          -          -                 $0.00
   205         $0.00       $0.00      $0.00                   $0.00             205        $0.00       $0.00      $0.00                   $0.00
   206            -          -          -                 $0.00                 206           -          -          -                 $0.00
   207         $0.00       $0.00      $0.00                   $0.00             207        $0.00       $0.00      $0.00                   $0.00
   208            -          -          -                 $0.00                 208           -          -          -                 $0.00
   209         $0.00       $0.00      $0.00                   $0.00             209        $0.00       $0.00      $0.00                   $0.00
   210            -          -          -                 $0.00                 210           -          -          -                 $0.00
   211         $0.00       $0.00      $0.00                   $0.00             211        $0.00       $0.00      $0.00                   $0.00
   212            -          -          -                 $0.00                 212           -          -          -                 $0.00
   213         $0.00       $0.00      $0.00                   $0.00             213        $0.00       $0.00      $0.00                   $0.00
   214            -          -          -                 $0.00                 214           -          -          -                 $0.00
   215         $0.00       $0.00      $0.00                   $0.00             215        $0.00       $0.00      $0.00                   $0.00
   216            -          -          -                 $0.00                 216           -          -          -                 $0.00
 Year-18          -          -          -                 $0.00               Year-18         -          -          -                 $0.00
   217         $0.00       $0.00      $0.00                   $0.00             217        $0.00       $0.00      $0.00                   $0.00
   218            -          -          -                 $0.00                 218           -          -          -                 $0.00
   219         $0.00       $0.00      $0.00                   $0.00             219        $0.00       $0.00      $0.00                   $0.00
   220            -          -          -                 $0.00                 220           -          -          -                 $0.00
   221         $0.00       $0.00      $0.00                   $0.00             221        $0.00       $0.00      $0.00                   $0.00
   222            -          -          -                 $0.00                 222           -          -          -                 $0.00
   223         $0.00       $0.00      $0.00                   $0.00             223        $0.00       $0.00      $0.00                   $0.00
   224            -          -          -                 $0.00                 224           -          -          -                 $0.00
   225         $0.00       $0.00      $0.00                   $0.00             225        $0.00       $0.00      $0.00                   $0.00
   226            -          -          -                 $0.00                 226           -          -          -                 $0.00
   227         $0.00       $0.00      $0.00                   $0.00             227        $0.00       $0.00      $0.00                   $0.00
   228            -          -          -                 $0.00                 228           -          -          -                 $0.00
 Year-19          -          -          -                 $0.00               Year-19         -          -          -                 $0.00
   229         $0.00       $0.00      $0.00                   $0.00             229        $0.00       $0.00      $0.00                   $0.00
   230            -          -          -                 $0.00                 230           -          -          -                 $0.00
   231         $0.00       $0.00      $0.00                   $0.00             231        $0.00       $0.00      $0.00                   $0.00
   232            -          -          -                 $0.00                 232           -          -          -                 $0.00
   233         $0.00       $0.00      $0.00                   $0.00             233        $0.00       $0.00      $0.00                   $0.00
   234            -          -          -                 $0.00                 234           -          -          -                 $0.00
   235         $0.00       $0.00      $0.00                   $0.00             235        $0.00       $0.00      $0.00                   $0.00
   236            -          -          -                 $0.00                 236           -          -          -                 $0.00
   237         $0.00       $0.00      $0.00                   $0.00             237        $0.00       $0.00      $0.00                   $0.00
   238            -          -          -                 $0.00                 238           -          -          -                 $0.00
   239         $0.00       $0.00      $0.00                   $0.00             239        $0.00       $0.00      $0.00                   $0.00
   240            -          -          -                 $0.00                 240           -          -          -                 $0.00
 Year-20          -          -          -                 $0.00               Year-20         -          -          -                 $0.00




                                                                      Page 46 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization

         Amortization Schedule - Deferred Developer Fee                                   Amortization Schedule - OWHLF Loan
Interest Rate:          0.00%                Amount Financed                Interest Rate:          0.00%              Amount Financed
Amortization Period:          0 years             $0.00                     Amortization Period:          0 years            $0.00
Loan Type:                 1     0           Monthly Payment:               Loan Type:                 1    0          Monthly Payment:
                                                  $0.00                                                                      $0.00
  Month     Interest   Principal   Payment     Loan Balance                    Month    Interest   Principal   Payment     Loan Balance
   241         $0.00       Beginning Balance
                           $0.00       $0.00              $0.00
                                                           $0.00                241        $0.00       Beginning Balance
                                                                                                       $0.00       $0.00              $0.00
                                                                                                                                       $0.00
   242            -          -          -                 $0.00                 242           -          -          -                 $0.00
   243         $0.00       $0.00      $0.00                   $0.00             243        $0.00       $0.00      $0.00                   $0.00
   244            -          -          -                 $0.00                 244           -          -          -                 $0.00
   245         $0.00       $0.00      $0.00                   $0.00             245        $0.00       $0.00      $0.00                   $0.00
   246            -          -          -                 $0.00                 246           -          -          -                 $0.00
   247         $0.00       $0.00      $0.00                   $0.00             247        $0.00       $0.00      $0.00                   $0.00
   248            -          -          -                 $0.00                 248           -          -          -                 $0.00
   249         $0.00       $0.00      $0.00                   $0.00             249        $0.00       $0.00      $0.00                   $0.00
   250            -          -          -                 $0.00                 250           -          -          -                 $0.00
   251         $0.00       $0.00      $0.00                   $0.00             251        $0.00       $0.00      $0.00                   $0.00
   252            -          -          -                 $0.00                 252           -          -          -                 $0.00
 Year-21          -          -          -                 $0.00               Year-21         -          -          -                 $0.00
   253         $0.00       $0.00      $0.00                   $0.00             253        $0.00       $0.00      $0.00                   $0.00
   254            -          -          -                 $0.00                 254           -          -          -                 $0.00
   255         $0.00       $0.00      $0.00                   $0.00             255        $0.00       $0.00      $0.00                   $0.00
   256            -          -          -                 $0.00                 256           -          -          -                 $0.00
   257         $0.00       $0.00      $0.00                   $0.00             257        $0.00       $0.00      $0.00                   $0.00
   258            -          -          -                 $0.00                 258           -          -          -                 $0.00
   259         $0.00       $0.00      $0.00                   $0.00             259        $0.00       $0.00      $0.00                   $0.00
   260            -          -          -                 $0.00                 260           -          -          -                 $0.00
   261         $0.00       $0.00      $0.00                   $0.00             261        $0.00       $0.00      $0.00                   $0.00
   262            -          -          -                 $0.00                 262           -          -          -                 $0.00
   263         $0.00       $0.00      $0.00                   $0.00             263        $0.00       $0.00      $0.00                   $0.00
   264            -          -          -                 $0.00                 264           -          -          -                 $0.00
 Year-22          -          -          -                 $0.00               Year-22         -          -          -                 $0.00
   265         $0.00       $0.00      $0.00                   $0.00             265        $0.00       $0.00      $0.00                   $0.00
   266            -          -          -                 $0.00                 266           -          -          -                 $0.00
   267         $0.00       $0.00      $0.00                   $0.00             267        $0.00       $0.00      $0.00                   $0.00
   268            -          -          -                 $0.00                 268           -          -          -                 $0.00
   269         $0.00       $0.00      $0.00                   $0.00             269        $0.00       $0.00      $0.00                   $0.00
   270            -          -          -                 $0.00                 270           -          -          -                 $0.00
   271         $0.00       $0.00      $0.00                   $0.00             271        $0.00       $0.00      $0.00                   $0.00
   272            -          -          -                 $0.00                 272           -          -          -                 $0.00
   273         $0.00       $0.00      $0.00                   $0.00             273        $0.00       $0.00      $0.00                   $0.00
   274            -          -          -                 $0.00                 274           -          -          -                 $0.00
   275         $0.00       $0.00      $0.00                   $0.00             275        $0.00       $0.00      $0.00                   $0.00
   276            -          -          -                 $0.00                 276           -          -          -                 $0.00
 Year-23          -          -          -                 $0.00               Year-23         -          -          -                 $0.00
   277         $0.00       $0.00      $0.00                   $0.00             277        $0.00       $0.00      $0.00                   $0.00
   278            -          -          -                 $0.00                 278           -          -          -                 $0.00
   279         $0.00       $0.00      $0.00                   $0.00             279        $0.00       $0.00      $0.00                   $0.00
   280            -          -          -                 $0.00                 280           -          -          -                 $0.00
   281         $0.00       $0.00      $0.00                   $0.00             281        $0.00       $0.00      $0.00                   $0.00
   282            -          -          -                 $0.00                 282           -          -          -                 $0.00
   283         $0.00       $0.00      $0.00                   $0.00             283        $0.00       $0.00      $0.00                   $0.00
   284            -          -          -                 $0.00                 284           -          -          -                 $0.00
   285         $0.00       $0.00      $0.00                   $0.00             285        $0.00       $0.00      $0.00                   $0.00
   286            -          -          -                 $0.00                 286           -          -          -                 $0.00
   287         $0.00       $0.00      $0.00                   $0.00             287        $0.00       $0.00      $0.00                   $0.00
   288            -          -          -                 $0.00                 288           -          -          -                 $0.00
 Year-24          -          -          -                 $0.00               Year-24         -          -          -                 $0.00
   289         $0.00       $0.00      $0.00                   $0.00             289        $0.00       $0.00      $0.00                   $0.00
   290            -          -          -                 $0.00                 290           -          -          -                 $0.00
   291         $0.00       $0.00      $0.00                   $0.00             291        $0.00       $0.00      $0.00                   $0.00
   292            -          -          -                 $0.00                 292           -          -          -                 $0.00
   293         $0.00       $0.00      $0.00                   $0.00             293        $0.00       $0.00      $0.00                   $0.00
   294            -          -          -                 $0.00                 294           -          -          -                 $0.00
   295         $0.00       $0.00      $0.00                   $0.00             295        $0.00       $0.00      $0.00                   $0.00
   296            -          -          -                 $0.00                 296           -          -          -                 $0.00
   297         $0.00       $0.00      $0.00                   $0.00             297        $0.00       $0.00      $0.00                   $0.00
   298            -          -          -                 $0.00                 298           -          -          -                 $0.00
   299         $0.00       $0.00      $0.00                   $0.00             299        $0.00       $0.00      $0.00                   $0.00
   300            -          -          -                 $0.00                 300           -          -          -                 $0.00
 Year-25          -          -          -                 $0.00               Year-25         -          -          -                 $0.00




                                                                      Page 47 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization

         Amortization Schedule - Deferred Developer Fee                                   Amortization Schedule - OWHLF Loan
Interest Rate:          0.00%                Amount Financed                Interest Rate:          0.00%              Amount Financed
Amortization Period:          0 years             $0.00                     Amortization Period:          0 years            $0.00
Loan Type:                 1     0           Monthly Payment:               Loan Type:                 1    0          Monthly Payment:
                                                  $0.00                                                                      $0.00
  Month     Interest   Principal   Payment     Loan Balance                    Month    Interest   Principal   Payment     Loan Balance
   301         $0.00       Beginning Balance
                           $0.00       $0.00              $0.00
                                                           $0.00                301        $0.00       Beginning Balance
                                                                                                       $0.00       $0.00              $0.00
                                                                                                                                       $0.00
   302            -          -          -                 $0.00                 302           -          -          -                 $0.00
   303         $0.00       $0.00      $0.00                   $0.00             303        $0.00       $0.00      $0.00                   $0.00
   304            -          -          -                 $0.00                 304           -          -          -                 $0.00
   305         $0.00       $0.00      $0.00                   $0.00             305        $0.00       $0.00      $0.00                   $0.00
   306            -          -          -                 $0.00                 306           -          -          -                 $0.00
   307         $0.00       $0.00      $0.00                   $0.00             307        $0.00       $0.00      $0.00                   $0.00
   308            -          -          -                 $0.00                 308           -          -          -                 $0.00
   309         $0.00       $0.00      $0.00                   $0.00             309        $0.00       $0.00      $0.00                   $0.00
   310            -          -          -                 $0.00                 310           -          -          -                 $0.00
   311         $0.00       $0.00      $0.00                   $0.00             311        $0.00       $0.00      $0.00                   $0.00
   312            -          -          -                 $0.00                 312           -          -          -                 $0.00
 Year-26          -          -          -                 $0.00               Year-26         -          -          -                 $0.00
   313         $0.00       $0.00      $0.00                   $0.00             313        $0.00       $0.00      $0.00                   $0.00
   314            -          -          -                 $0.00                 314           -          -          -                 $0.00
   315         $0.00       $0.00      $0.00                   $0.00             315        $0.00       $0.00      $0.00                   $0.00
   316            -          -          -                 $0.00                 316           -          -          -                 $0.00
   317         $0.00       $0.00      $0.00                   $0.00             317        $0.00       $0.00      $0.00                   $0.00
   318            -          -          -                 $0.00                 318           -          -          -                 $0.00
   319         $0.00       $0.00      $0.00                   $0.00             319        $0.00       $0.00      $0.00                   $0.00
   320            -          -          -                 $0.00                 320           -          -          -                 $0.00
   321         $0.00       $0.00      $0.00                   $0.00             321        $0.00       $0.00      $0.00                   $0.00
   322            -          -          -                 $0.00                 322           -          -          -                 $0.00
   323         $0.00       $0.00      $0.00                   $0.00             323        $0.00       $0.00      $0.00                   $0.00
   324            -          -          -                 $0.00                 324           -          -          -                 $0.00
 Year-27          -          -          -                 $0.00               Year-27         -          -          -                 $0.00
   325         $0.00       $0.00      $0.00                   $0.00             325        $0.00       $0.00      $0.00                   $0.00
   326            -          -          -                 $0.00                 326           -          -          -                 $0.00
   327         $0.00       $0.00      $0.00                   $0.00             327        $0.00       $0.00      $0.00                   $0.00
   328            -          -          -                 $0.00                 328           -          -          -                 $0.00
   329         $0.00       $0.00      $0.00                   $0.00             329        $0.00       $0.00      $0.00                   $0.00
   330            -          -          -                 $0.00                 330           -          -          -                 $0.00
   331         $0.00       $0.00      $0.00                   $0.00             331        $0.00       $0.00      $0.00                   $0.00
   332            -          -          -                 $0.00                 332           -          -          -                 $0.00
   333         $0.00       $0.00      $0.00                   $0.00             333        $0.00       $0.00      $0.00                   $0.00
   334            -          -          -                 $0.00                 334           -          -          -                 $0.00
   335         $0.00       $0.00      $0.00                   $0.00             335        $0.00       $0.00      $0.00                   $0.00
   336            -          -          -                 $0.00                 336           -          -          -                 $0.00
 Year-28          -          -          -                 $0.00               Year-28         -          -          -                 $0.00
   337         $0.00       $0.00      $0.00                   $0.00             337        $0.00       $0.00      $0.00                   $0.00
   338            -          -          -                 $0.00                 338           -          -          -                 $0.00
   339         $0.00       $0.00      $0.00                   $0.00             339        $0.00       $0.00      $0.00                   $0.00
   340            -          -          -                 $0.00                 340           -          -          -                 $0.00
   341         $0.00       $0.00      $0.00                   $0.00             341        $0.00       $0.00      $0.00                   $0.00
   342            -          -          -                 $0.00                 342           -          -          -                 $0.00
   343         $0.00       $0.00      $0.00                   $0.00             343        $0.00       $0.00      $0.00                   $0.00
   344            -          -          -                 $0.00                 344           -          -          -                 $0.00
   345         $0.00       $0.00      $0.00                   $0.00             345        $0.00       $0.00      $0.00                   $0.00
   346            -          -          -                 $0.00                 346           -          -          -                 $0.00
   347         $0.00       $0.00      $0.00                   $0.00             347        $0.00       $0.00      $0.00                   $0.00
   348            -          -          -                 $0.00                 348           -          -          -                 $0.00
 Year-29          -          -          -                 $0.00               Year-29         -          -          -                 $0.00
   349         $0.00       $0.00      $0.00                   $0.00             349        $0.00       $0.00      $0.00                   $0.00
   350            -          -          -                 $0.00                 350           -          -          -                 $0.00
   351         $0.00       $0.00      $0.00                   $0.00             351        $0.00       $0.00      $0.00                   $0.00
   352            -          -          -                 $0.00                 352           -          -          -                 $0.00
   353         $0.00       $0.00      $0.00                   $0.00             353        $0.00       $0.00      $0.00                   $0.00
   354            -          -          -                 $0.00                 354           -          -          -                 $0.00
   355         $0.00       $0.00      $0.00                   $0.00             355        $0.00       $0.00      $0.00                   $0.00
   356            -          -          -                 $0.00                 356           -          -          -                 $0.00
   357         $0.00       $0.00      $0.00                   $0.00             357        $0.00       $0.00      $0.00                   $0.00
   358            -          -          -                 $0.00                 358           -          -          -                 $0.00
   359         $0.00       $0.00      $0.00                   $0.00             359        $0.00       $0.00      $0.00                   $0.00
   360            -          -          -                 $0.00                 360           -          -          -                 $0.00
 Year-30          -          -          -                 $0.00               Year-30         -          -          -                 $0.00




                                                                      Page 48 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization

         Amortization Schedule - Deferred Developer Fee                                   Amortization Schedule - OWHLF Loan
Interest Rate:          0.00%                Amount Financed                Interest Rate:          0.00%              Amount Financed
Amortization Period:          0 years             $0.00                     Amortization Period:          0 years            $0.00
Loan Type:                 1     0           Monthly Payment:               Loan Type:                 1    0          Monthly Payment:
                                                  $0.00                                                                      $0.00
  Month     Interest   Principal   Payment     Loan Balance                    Month    Interest   Principal   Payment     Loan Balance
   361         $0.00       Beginning Balance
                           $0.00       $0.00              $0.00
                                                           $0.00                361        $0.00       Beginning Balance
                                                                                                       $0.00       $0.00              $0.00
                                                                                                                                       $0.00
   362            -          -          -                 $0.00                 362           -          -          -                 $0.00
   363         $0.00       $0.00      $0.00                   $0.00             363        $0.00       $0.00      $0.00                   $0.00
   364            -          -          -                 $0.00                 364           -          -          -                 $0.00
   365         $0.00       $0.00      $0.00                   $0.00             365        $0.00       $0.00      $0.00                   $0.00
   366            -          -          -                 $0.00                 366           -          -          -                 $0.00
   367         $0.00       $0.00      $0.00                   $0.00             367        $0.00       $0.00      $0.00                   $0.00
   368            -          -          -                 $0.00                 368           -          -          -                 $0.00
   369         $0.00       $0.00      $0.00                   $0.00             369        $0.00       $0.00      $0.00                   $0.00
   370            -          -          -                 $0.00                 370           -          -          -                 $0.00
   371         $0.00       $0.00      $0.00                   $0.00             371        $0.00       $0.00      $0.00                   $0.00
   372            -          -          -                 $0.00                 372           -          -          -                 $0.00
 Year-31          -          -          -                 $0.00               Year-31         -          -          -                 $0.00
   373         $0.00       $0.00      $0.00                   $0.00             373        $0.00       $0.00      $0.00                   $0.00
   374            -          -          -                 $0.00                 374           -          -          -                 $0.00
   375         $0.00       $0.00      $0.00                   $0.00             375        $0.00       $0.00      $0.00                   $0.00
   376            -          -          -                 $0.00                 376           -          -          -                 $0.00
   377         $0.00       $0.00      $0.00                   $0.00             377        $0.00       $0.00      $0.00                   $0.00
   378            -          -          -                 $0.00                 378           -          -          -                 $0.00
   379         $0.00       $0.00      $0.00                   $0.00             379        $0.00       $0.00      $0.00                   $0.00
   380            -          -          -                 $0.00                 380           -          -          -                 $0.00
   381         $0.00       $0.00      $0.00                   $0.00             381        $0.00       $0.00      $0.00                   $0.00
   382            -          -          -                 $0.00                 382           -          -          -                 $0.00
   383         $0.00       $0.00      $0.00                   $0.00             383        $0.00       $0.00      $0.00                   $0.00
   384            -          -          -                 $0.00                 384           -          -          -                 $0.00
 Year-32          -          -          -                 $0.00               Year-32         -          -          -                 $0.00
   385         $0.00       $0.00      $0.00                   $0.00             385        $0.00       $0.00      $0.00                   $0.00
   386            -          -          -                 $0.00                 386           -          -          -                 $0.00
   387         $0.00       $0.00      $0.00                   $0.00             387        $0.00       $0.00      $0.00                   $0.00
   388            -          -          -                 $0.00                 388           -          -          -                 $0.00
   389         $0.00       $0.00      $0.00                   $0.00             389        $0.00       $0.00      $0.00                   $0.00
   390            -          -          -                 $0.00                 390           -          -          -                 $0.00
   391         $0.00       $0.00      $0.00                   $0.00             391        $0.00       $0.00      $0.00                   $0.00
   392            -          -          -                 $0.00                 392           -          -          -                 $0.00
   393         $0.00       $0.00      $0.00                   $0.00             393        $0.00       $0.00      $0.00                   $0.00
   394            -          -          -                 $0.00                 394           -          -          -                 $0.00
   395         $0.00       $0.00      $0.00                   $0.00             395        $0.00       $0.00      $0.00                   $0.00
   396            -          -          -                 $0.00                 396           -          -          -                 $0.00
 Year-33          -          -          -                 $0.00               Year-33         -          -          -                 $0.00
   397         $0.00       $0.00      $0.00                   $0.00             397        $0.00       $0.00      $0.00                   $0.00
   398            -          -          -                 $0.00                 398           -          -          -                 $0.00
   399         $0.00       $0.00      $0.00                   $0.00             399        $0.00       $0.00      $0.00                   $0.00
   400            -          -          -                 $0.00                 400           -          -          -                 $0.00
   401         $0.00       $0.00      $0.00                   $0.00             401        $0.00       $0.00      $0.00                   $0.00
   402            -          -          -                 $0.00                 402           -          -          -                 $0.00
   403         $0.00       $0.00      $0.00                   $0.00             403        $0.00       $0.00      $0.00                   $0.00
   404            -          -          -                 $0.00                 404           -          -          -                 $0.00
   405         $0.00       $0.00      $0.00                   $0.00             405        $0.00       $0.00      $0.00                   $0.00
   406            -          -          -                 $0.00                 406           -          -          -                 $0.00
   407         $0.00       $0.00      $0.00                   $0.00             407        $0.00       $0.00      $0.00                   $0.00
   408            -          -          -                 $0.00                 408           -          -          -                 $0.00
 Year-34          -          -          -                 $0.00               Year-34         -          -          -                 $0.00
   409         $0.00       $0.00      $0.00                   $0.00             409        $0.00       $0.00      $0.00                   $0.00
   410            -          -          -                 $0.00                 410           -          -          -                 $0.00
   411         $0.00       $0.00      $0.00                   $0.00             411        $0.00       $0.00      $0.00                   $0.00
   412            -          -          -                 $0.00                 412           -          -          -                 $0.00
   413         $0.00       $0.00      $0.00                   $0.00             413        $0.00       $0.00      $0.00                   $0.00
   414            -          -          -                 $0.00                 414           -          -          -                 $0.00
   415         $0.00       $0.00      $0.00                   $0.00             415        $0.00       $0.00      $0.00                   $0.00
   416            -          -          -                 $0.00                 416           -          -          -                 $0.00
   417         $0.00       $0.00      $0.00                   $0.00             417        $0.00       $0.00      $0.00                   $0.00
   418            -          -          -                 $0.00                 418           -          -          -                 $0.00
   419         $0.00       $0.00      $0.00                   $0.00             419        $0.00       $0.00      $0.00                   $0.00
   420            -          -          -                 $0.00                 420           -          -          -                 $0.00
 Year-35          -          -          -                 $0.00               Year-35         -          -          -                 $0.00




                                                                      Page 49 of 59
                                    edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization

         Amortization Schedule - Deferred Developer Fee                                   Amortization Schedule - OWHLF Loan
Interest Rate:          0.00%                Amount Financed                Interest Rate:          0.00%              Amount Financed
Amortization Period:          0 years             $0.00                     Amortization Period:          0 years            $0.00
Loan Type:                 1     0           Monthly Payment:               Loan Type:                 1    0          Monthly Payment:
                                                  $0.00                                                                      $0.00
  Month     Interest   Principal   Payment     Loan Balance                    Month    Interest   Principal   Payment     Loan Balance
   421         $0.00       Beginning Balance
                           $0.00       $0.00              $0.00
                                                           $0.00                421        $0.00       Beginning Balance
                                                                                                       $0.00       $0.00              $0.00
                                                                                                                                       $0.00
   422            -          -          -                 $0.00                 422           -          -          -                 $0.00
   423         $0.00       $0.00      $0.00                   $0.00             423        $0.00       $0.00      $0.00                   $0.00
   424            -          -          -                 $0.00                 424           -          -          -                 $0.00
   425         $0.00       $0.00      $0.00                   $0.00             425        $0.00       $0.00      $0.00                   $0.00
   426            -          -          -                 $0.00                 426           -          -          -                 $0.00
   427         $0.00       $0.00      $0.00                   $0.00             427        $0.00       $0.00      $0.00                   $0.00
   428            -          -          -                 $0.00                 428           -          -          -                 $0.00
   429         $0.00       $0.00      $0.00                   $0.00             429        $0.00       $0.00      $0.00                   $0.00
   430            -          -          -                 $0.00                 430           -          -          -                 $0.00
   431         $0.00       $0.00      $0.00                   $0.00             431        $0.00       $0.00      $0.00                   $0.00
   432            -          -          -                 $0.00                 432           -          -          -                 $0.00
 Year-36          -          -          -                 $0.00               Year-36         -          -          -                 $0.00
   433         $0.00       $0.00      $0.00                   $0.00             433        $0.00       $0.00      $0.00                   $0.00
   434            -          -          -                 $0.00                 434           -          -          -                 $0.00
   435         $0.00       $0.00      $0.00                   $0.00             435        $0.00       $0.00      $0.00                   $0.00
   436            -          -          -                 $0.00                 436           -          -          -                 $0.00
   437         $0.00       $0.00      $0.00                   $0.00             437        $0.00       $0.00      $0.00                   $0.00
   438            -          -          -                 $0.00                 438           -          -          -                 $0.00
   439         $0.00       $0.00      $0.00                   $0.00             439        $0.00       $0.00      $0.00                   $0.00
   440            -          -          -                 $0.00                 440           -          -          -                 $0.00
   441         $0.00       $0.00      $0.00                   $0.00             441        $0.00       $0.00      $0.00                   $0.00
   442            -          -          -                 $0.00                 442           -          -          -                 $0.00
   443         $0.00       $0.00      $0.00                   $0.00             443        $0.00       $0.00      $0.00                   $0.00
   444            -          -          -                 $0.00                 444           -          -          -                 $0.00
 Year-37          -          -          -                 $0.00               Year-37         -          -          -                 $0.00
   445         $0.00       $0.00      $0.00                   $0.00             445        $0.00       $0.00      $0.00                   $0.00
   446            -          -          -                 $0.00                 446           -          -          -                 $0.00
   447         $0.00       $0.00      $0.00                   $0.00             447        $0.00       $0.00      $0.00                   $0.00
   448            -          -          -                 $0.00                 448           -          -          -                 $0.00
   449         $0.00       $0.00      $0.00                   $0.00             449        $0.00       $0.00      $0.00                   $0.00
   450            -          -          -                 $0.00                 450           -          -          -                 $0.00
   451         $0.00       $0.00      $0.00                   $0.00             451        $0.00       $0.00      $0.00                   $0.00
   452            -          -          -                 $0.00                 452           -          -          -                 $0.00
   453         $0.00       $0.00      $0.00                   $0.00             453        $0.00       $0.00      $0.00                   $0.00
   454            -          -          -                 $0.00                 454           -          -          -                 $0.00
   455         $0.00       $0.00      $0.00                   $0.00             455        $0.00       $0.00      $0.00                   $0.00
   456            -          -          -                 $0.00                 456           -          -          -                 $0.00
 Year-38          -          -          -                 $0.00               Year-38         -          -          -                 $0.00
   457         $0.00       $0.00      $0.00                   $0.00             457        $0.00       $0.00      $0.00                   $0.00
   458            -          -          -                 $0.00                 458           -          -          -                 $0.00
   459         $0.00       $0.00      $0.00                   $0.00             459        $0.00       $0.00      $0.00                   $0.00
   460            -          -          -                 $0.00                 460           -          -          -                 $0.00
   461         $0.00       $0.00      $0.00                   $0.00             461        $0.00       $0.00      $0.00                   $0.00
   462            -          -          -                 $0.00                 462           -          -          -                 $0.00
   463         $0.00       $0.00      $0.00                   $0.00             463        $0.00       $0.00      $0.00                   $0.00
   464            -          -          -                 $0.00                 464           -          -          -                 $0.00
   465         $0.00       $0.00      $0.00                   $0.00             465        $0.00       $0.00      $0.00                   $0.00
   466            -          -          -                 $0.00                 466           -          -          -                 $0.00
   467         $0.00       $0.00      $0.00                   $0.00             467        $0.00       $0.00      $0.00                   $0.00
   468            -          -          -                 $0.00                 468           -          -          -                 $0.00
 Year-39          -          -          -                 $0.00               Year-39         -          -          -                 $0.00
   469         $0.00       $0.00      $0.00                   $0.00             469        $0.00       $0.00      $0.00                   $0.00
   470            -          -          -                 $0.00                 470           -          -          -                 $0.00
   471         $0.00       $0.00      $0.00                   $0.00             471        $0.00       $0.00      $0.00                   $0.00
   472            -          -          -                 $0.00                 472           -          -          -                 $0.00
   473         $0.00       $0.00      $0.00                   $0.00             473        $0.00       $0.00      $0.00                   $0.00
   474            -          -          -                 $0.00                 474           -          -          -                 $0.00
   475         $0.00       $0.00      $0.00                   $0.00             475        $0.00       $0.00      $0.00                   $0.00
   476            -          -          -                 $0.00                 476           -          -          -                 $0.00
   477         $0.00       $0.00      $0.00                   $0.00             477        $0.00       $0.00      $0.00                   $0.00
   478            -          -          -                 $0.00                 478           -          -          -                 $0.00
   479         $0.00       $0.00      $0.00                   $0.00             479        $0.00       $0.00      $0.00                   $0.00
   480            -          -          -                 $0.00                 480           -          -          -                 $0.00
 Year-40          -          -          -                 $0.00               Year-40         -          -          -                 $0.00




                                                                      Page 50 of 59
edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
               Amortization Schedule - Other City HOME Loan
                                     0
      Interest Rate:         0.00%                 Amount Financed
      Amortization Period:          0 years             $0.00
      Loan Type:                1     0            Monthly Payment:
                                                        $0.00
        Month     Interest   Principal   Payment     Loan Balance
                                 Beginning Balance              $0.00
          1          $0.00       $0.00      $0.00                   $0.00
          2             -          -           -                $0.00
          3          $0.00       $0.00      $0.00                   $0.00
          4             -          -           -                $0.00
          5          $0.00       $0.00      $0.00                   $0.00
          6             -          -           -                $0.00
          7          $0.00       $0.00      $0.00                   $0.00
          8             -          -           -                $0.00
          9          $0.00       $0.00      $0.00                   $0.00
          10            -          -           -                $0.00
          11         $0.00       $0.00      $0.00                   $0.00
          12            -          -           -                $0.00
        Year-1          -          -           -                $0.00
          13         $0.00       $0.00      $0.00                   $0.00
          14            -          -           -                $0.00
          15         $0.00       $0.00      $0.00                   $0.00
          16            -          -           -                $0.00
          17         $0.00       $0.00      $0.00                   $0.00
          18            -          -           -                $0.00
          19         $0.00       $0.00      $0.00                   $0.00
          20            -          -           -                $0.00
          21         $0.00       $0.00      $0.00                   $0.00
          22            -          -           -                $0.00
          23         $0.00       $0.00      $0.00                   $0.00
          24            -          -           -                $0.00
        Year-2          -          -           -                $0.00
          25         $0.00       $0.00      $0.00                   $0.00
          26            -          -           -                $0.00
          27         $0.00       $0.00      $0.00                   $0.00
          28            -          -           -                $0.00
          29         $0.00       $0.00      $0.00                   $0.00
          30            -          -           -                $0.00
          31         $0.00       $0.00      $0.00                   $0.00
          32            -          -           -                $0.00
          33         $0.00       $0.00      $0.00                   $0.00
          34            -          -           -                $0.00
          35         $0.00       $0.00      $0.00                   $0.00
          36            -          -           -                $0.00
        Year-3          -          -           -                $0.00
          37         $0.00       $0.00      $0.00                   $0.00
          38            -          -           -                $0.00
          39         $0.00       $0.00      $0.00                   $0.00
          40            -          -           -                $0.00
          41         $0.00       $0.00      $0.00                   $0.00
          42            -          -           -                $0.00
          43         $0.00       $0.00      $0.00                   $0.00
          44            -          -           -                $0.00
          45         $0.00       $0.00      $0.00                   $0.00
          46            -          -           -                $0.00
          47         $0.00       $0.00      $0.00                   $0.00
          48            -          -           -                $0.00
        Year-4          -          -           -                $0.00
          49         $0.00       $0.00      $0.00                   $0.00
          50            -          -           -                $0.00
          51         $0.00       $0.00      $0.00                   $0.00
          52            -          -           -                $0.00
          53         $0.00       $0.00      $0.00                   $0.00
          54            -          -           -                $0.00
          55         $0.00       $0.00      $0.00                   $0.00
          56            -          -           -                $0.00
          57         $0.00       $0.00      $0.00                   $0.00
          58            -          -           -                $0.00
          59         $0.00       $0.00      $0.00                   $0.00
          60            -          -           -                $0.00
        Year-5          -          -           -                $0.00




                               Page 51 of 59
edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
               Amortization Schedule - Other City HOME Loan
                                     0
      Interest Rate:         0.00%                 Amount Financed
      Amortization Period:          0 years             $0.00
      Loan Type:                1     0            Monthly Payment:
                                                        $0.00
        Month     Interest   Principal   Payment     Loan Balance
          61         $0.00       Beginning Balance
                                 $0.00       $0.00              $0.00
                                                                 $0.00
          62            -          -           -                $0.00
          63         $0.00       $0.00      $0.00                   $0.00
          64            -          -           -                $0.00
          65         $0.00       $0.00      $0.00                   $0.00
          66            -          -           -                $0.00
          67         $0.00       $0.00      $0.00                   $0.00
          68            -          -           -                $0.00
          69         $0.00       $0.00      $0.00                   $0.00
          70            -          -           -                $0.00
          71         $0.00       $0.00      $0.00                   $0.00
          72            -          -           -                $0.00
        Year-6          -          -           -                $0.00
          73         $0.00       $0.00      $0.00                   $0.00
          74            -          -           -                $0.00
          75         $0.00       $0.00      $0.00                   $0.00
          76            -          -           -                $0.00
          77         $0.00       $0.00      $0.00                   $0.00
          78            -          -           -                $0.00
          79         $0.00       $0.00      $0.00                   $0.00
          80            -          -           -                $0.00
          81         $0.00       $0.00      $0.00                   $0.00
          82            -          -           -                $0.00
          83         $0.00       $0.00      $0.00                   $0.00
          84            -          -           -                $0.00
        Year-7          -          -           -                $0.00
          85         $0.00       $0.00      $0.00                   $0.00
          86            -          -           -                $0.00
          87         $0.00       $0.00      $0.00                   $0.00
          88            -          -           -                $0.00
          89         $0.00       $0.00      $0.00                   $0.00
          90            -          -           -                $0.00
          91         $0.00       $0.00      $0.00                   $0.00
          92            -          -           -                $0.00
          93         $0.00       $0.00      $0.00                   $0.00
          94            -          -           -                $0.00
          95         $0.00       $0.00      $0.00                   $0.00
          96            -          -           -                $0.00
        Year-8          -          -           -                $0.00
          97         $0.00       $0.00      $0.00                   $0.00
          98            -          -           -                $0.00
          99         $0.00       $0.00      $0.00                   $0.00
         100            -          -           -                $0.00
         101         $0.00       $0.00      $0.00                   $0.00
         102            -          -           -                $0.00
         103         $0.00       $0.00      $0.00                   $0.00
         104            -          -           -                $0.00
         105         $0.00       $0.00      $0.00                   $0.00
         106            -          -           -                $0.00
         107         $0.00       $0.00      $0.00                   $0.00
         108            -          -           -                $0.00
        Year-9          -          -           -                $0.00
         109         $0.00       $0.00      $0.00                   $0.00
         110            -          -           -                $0.00
         111         $0.00       $0.00      $0.00                   $0.00
         112            -          -           -                $0.00
         113         $0.00       $0.00      $0.00                   $0.00
         114            -          -           -                $0.00
         115         $0.00       $0.00      $0.00                   $0.00
         116            -          -           -                $0.00
         117         $0.00       $0.00      $0.00                   $0.00
         118            -          -           -                $0.00
         119         $0.00       $0.00      $0.00                   $0.00
         120            -          -           -                $0.00
       Year-10          -          -           -                $0.00




                               Page 52 of 59
edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
               Amortization Schedule - Other City HOME Loan
                                     0
      Interest Rate:         0.00%                 Amount Financed
      Amortization Period:          0 years             $0.00
      Loan Type:                1     0            Monthly Payment:
                                                        $0.00
        Month     Interest   Principal   Payment     Loan Balance
         121         $0.00       Beginning Balance
                                 $0.00       $0.00              $0.00
                                                                 $0.00
         122            -          -           -                $0.00
         123         $0.00       $0.00      $0.00                   $0.00
         124            -          -           -                $0.00
         125         $0.00       $0.00      $0.00                   $0.00
         126            -          -           -                $0.00
         127         $0.00       $0.00      $0.00                   $0.00
         128            -          -           -                $0.00
         129         $0.00       $0.00      $0.00                   $0.00
         130            -          -           -                $0.00
         131         $0.00       $0.00      $0.00                   $0.00
         132            -          -           -                $0.00
       Year-11          -          -           -                $0.00
         133         $0.00       $0.00      $0.00                   $0.00
         134            -          -           -                $0.00
         135         $0.00       $0.00      $0.00                   $0.00
         136            -          -           -                $0.00
         137         $0.00       $0.00      $0.00                   $0.00
         138            -          -           -                $0.00
         139         $0.00       $0.00      $0.00                   $0.00
         140            -          -           -                $0.00
         141         $0.00       $0.00      $0.00                   $0.00
         142            -          -           -                $0.00
         143         $0.00       $0.00      $0.00                   $0.00
         144            -          -           -                $0.00
       Year-12          -          -           -                $0.00
         145         $0.00       $0.00      $0.00                   $0.00
         146            -          -           -                $0.00
         147         $0.00       $0.00      $0.00                   $0.00
         148            -          -           -                $0.00
         149         $0.00       $0.00      $0.00                   $0.00
         150            -          -           -                $0.00
         151         $0.00       $0.00      $0.00                   $0.00
         152            -          -           -                $0.00
         153         $0.00       $0.00      $0.00                   $0.00
         154            -          -           -                $0.00
         155         $0.00       $0.00      $0.00                   $0.00
         156            -          -           -                $0.00
       Year-13          -          -           -                $0.00
         157         $0.00       $0.00      $0.00                   $0.00
         158            -          -           -                $0.00
         159         $0.00       $0.00      $0.00                   $0.00
         160            -          -           -                $0.00
         161         $0.00       $0.00      $0.00                   $0.00
         162            -          -           -                $0.00
         163         $0.00       $0.00      $0.00                   $0.00
         164            -          -           -                $0.00
         165         $0.00       $0.00      $0.00                   $0.00
         166            -          -           -                $0.00
         167         $0.00       $0.00      $0.00                   $0.00
         168            -          -           -                $0.00
       Year-14          -          -           -                $0.00
         169         $0.00       $0.00      $0.00                   $0.00
         170            -          -           -                $0.00
         171         $0.00       $0.00      $0.00                   $0.00
         172            -          -           -                $0.00
         173         $0.00       $0.00      $0.00                   $0.00
         174            -          -           -                $0.00
         175         $0.00       $0.00      $0.00                   $0.00
         176            -          -           -                $0.00
         177         $0.00       $0.00      $0.00                   $0.00
         178            -          -           -                $0.00
         179         $0.00       $0.00      $0.00                   $0.00
         180            -          -           -                $0.00
       Year-15          -          -           -                $0.00




                               Page 53 of 59
edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
               Amortization Schedule - Other City HOME Loan
                                     0
      Interest Rate:         0.00%                 Amount Financed
      Amortization Period:          0 years             $0.00
      Loan Type:                1     0            Monthly Payment:
                                                        $0.00
        Month     Interest   Principal   Payment     Loan Balance
         181         $0.00       Beginning Balance
                                 $0.00       $0.00              $0.00
                                                                 $0.00
         182            -          -           -                $0.00
         183         $0.00       $0.00      $0.00                   $0.00
         184            -          -           -                $0.00
         185         $0.00       $0.00      $0.00                   $0.00
         186            -          -           -                $0.00
         187         $0.00       $0.00      $0.00                   $0.00
         188            -          -           -                $0.00
         189         $0.00       $0.00      $0.00                   $0.00
         190            -          -           -                $0.00
         191         $0.00       $0.00      $0.00                   $0.00
         192            -          -           -                $0.00
       Year-16          -          -           -                $0.00
         193         $0.00       $0.00      $0.00                   $0.00
         194            -          -           -                $0.00
         195         $0.00       $0.00      $0.00                   $0.00
         196            -          -           -                $0.00
         197         $0.00       $0.00      $0.00                   $0.00
         198            -          -           -                $0.00
         199         $0.00       $0.00      $0.00                   $0.00
         200            -          -           -                $0.00
         201         $0.00       $0.00      $0.00                   $0.00
         202            -          -           -                $0.00
         203         $0.00       $0.00      $0.00                   $0.00
         204            -          -           -                $0.00
       Year-17          -          -           -                $0.00
         205         $0.00       $0.00      $0.00                   $0.00
         206            -          -           -                $0.00
         207         $0.00       $0.00      $0.00                   $0.00
         208            -          -           -                $0.00
         209         $0.00       $0.00      $0.00                   $0.00
         210            -          -           -                $0.00
         211         $0.00       $0.00      $0.00                   $0.00
         212            -          -           -                $0.00
         213         $0.00       $0.00      $0.00                   $0.00
         214            -          -           -                $0.00
         215         $0.00       $0.00      $0.00                   $0.00
         216            -          -           -                $0.00
       Year-18          -          -           -                $0.00
         217         $0.00       $0.00      $0.00                   $0.00
         218            -          -           -                $0.00
         219         $0.00       $0.00      $0.00                   $0.00
         220            -          -           -                $0.00
         221         $0.00       $0.00      $0.00                   $0.00
         222            -          -           -                $0.00
         223         $0.00       $0.00      $0.00                   $0.00
         224            -          -           -                $0.00
         225         $0.00       $0.00      $0.00                   $0.00
         226            -          -           -                $0.00
         227         $0.00       $0.00      $0.00                   $0.00
         228            -          -           -                $0.00
       Year-19          -          -           -                $0.00
         229         $0.00       $0.00      $0.00                   $0.00
         230            -          -           -                $0.00
         231         $0.00       $0.00      $0.00                   $0.00
         232            -          -           -                $0.00
         233         $0.00       $0.00      $0.00                   $0.00
         234            -          -           -                $0.00
         235         $0.00       $0.00      $0.00                   $0.00
         236            -          -           -                $0.00
         237         $0.00       $0.00      $0.00                   $0.00
         238            -          -           -                $0.00
         239         $0.00       $0.00      $0.00                   $0.00
         240            -          -           -                $0.00
       Year-20          -          -           -                $0.00




                               Page 54 of 59
edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
               Amortization Schedule - Other City HOME Loan
                                     0
      Interest Rate:         0.00%                 Amount Financed
      Amortization Period:          0 years             $0.00
      Loan Type:                1     0            Monthly Payment:
                                                        $0.00
        Month     Interest   Principal   Payment     Loan Balance
         241         $0.00       Beginning Balance
                                 $0.00       $0.00              $0.00
                                                                 $0.00
         242            -          -           -                $0.00
         243         $0.00       $0.00      $0.00                   $0.00
         244            -          -           -                $0.00
         245         $0.00       $0.00      $0.00                   $0.00
         246            -          -           -                $0.00
         247         $0.00       $0.00      $0.00                   $0.00
         248            -          -           -                $0.00
         249         $0.00       $0.00      $0.00                   $0.00
         250            -          -           -                $0.00
         251         $0.00       $0.00      $0.00                   $0.00
         252            -          -           -                $0.00
       Year-21          -          -           -                $0.00
         253         $0.00       $0.00      $0.00                   $0.00
         254            -          -           -                $0.00
         255         $0.00       $0.00      $0.00                   $0.00
         256            -          -           -                $0.00
         257         $0.00       $0.00      $0.00                   $0.00
         258            -          -           -                $0.00
         259         $0.00       $0.00      $0.00                   $0.00
         260            -          -           -                $0.00
         261         $0.00       $0.00      $0.00                   $0.00
         262            -          -           -                $0.00
         263         $0.00       $0.00      $0.00                   $0.00
         264            -          -           -                $0.00
       Year-22          -          -           -                $0.00
         265         $0.00       $0.00      $0.00                   $0.00
         266            -          -           -                $0.00
         267         $0.00       $0.00      $0.00                   $0.00
         268            -          -           -                $0.00
         269         $0.00       $0.00      $0.00                   $0.00
         270            -          -           -                $0.00
         271         $0.00       $0.00      $0.00                   $0.00
         272            -          -           -                $0.00
         273         $0.00       $0.00      $0.00                   $0.00
         274            -          -           -                $0.00
         275         $0.00       $0.00      $0.00                   $0.00
         276            -          -           -                $0.00
       Year-23          -          -           -                $0.00
         277         $0.00       $0.00      $0.00                   $0.00
         278            -          -           -                $0.00
         279         $0.00       $0.00      $0.00                   $0.00
         280            -          -           -                $0.00
         281         $0.00       $0.00      $0.00                   $0.00
         282            -          -           -                $0.00
         283         $0.00       $0.00      $0.00                   $0.00
         284            -          -           -                $0.00
         285         $0.00       $0.00      $0.00                   $0.00
         286            -          -           -                $0.00
         287         $0.00       $0.00      $0.00                   $0.00
         288            -          -           -                $0.00
       Year-24          -          -           -                $0.00
         289         $0.00       $0.00      $0.00                   $0.00
         290            -          -           -                $0.00
         291         $0.00       $0.00      $0.00                   $0.00
         292            -          -           -                $0.00
         293         $0.00       $0.00      $0.00                   $0.00
         294            -          -           -                $0.00
         295         $0.00       $0.00      $0.00                   $0.00
         296            -          -           -                $0.00
         297         $0.00       $0.00      $0.00                   $0.00
         298            -          -           -                $0.00
         299         $0.00       $0.00      $0.00                   $0.00
         300            -          -           -                $0.00
       Year-25          -          -           -                $0.00




                               Page 55 of 59
edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
               Amortization Schedule - Other City HOME Loan
                                     0
      Interest Rate:         0.00%                 Amount Financed
      Amortization Period:          0 years             $0.00
      Loan Type:                1     0            Monthly Payment:
                                                        $0.00
        Month     Interest   Principal   Payment     Loan Balance
         301         $0.00       Beginning Balance
                                 $0.00       $0.00              $0.00
                                                                 $0.00
         302            -          -           -                $0.00
         303         $0.00       $0.00      $0.00                   $0.00
         304            -          -           -                $0.00
         305         $0.00       $0.00      $0.00                   $0.00
         306            -          -           -                $0.00
         307         $0.00       $0.00      $0.00                   $0.00
         308            -          -           -                $0.00
         309         $0.00       $0.00      $0.00                   $0.00
         310            -          -           -                $0.00
         311         $0.00       $0.00      $0.00                   $0.00
         312            -          -           -                $0.00
       Year-26          -          -           -                $0.00
         313         $0.00       $0.00      $0.00                   $0.00
         314            -          -           -                $0.00
         315         $0.00       $0.00      $0.00                   $0.00
         316            -          -           -                $0.00
         317         $0.00       $0.00      $0.00                   $0.00
         318            -          -           -                $0.00
         319         $0.00       $0.00      $0.00                   $0.00
         320            -          -           -                $0.00
         321         $0.00       $0.00      $0.00                   $0.00
         322            -          -           -                $0.00
         323         $0.00       $0.00      $0.00                   $0.00
         324            -          -           -                $0.00
       Year-27          -          -           -                $0.00
         325         $0.00       $0.00      $0.00                   $0.00
         326            -          -           -                $0.00
         327         $0.00       $0.00      $0.00                   $0.00
         328            -          -           -                $0.00
         329         $0.00       $0.00      $0.00                   $0.00
         330            -          -           -                $0.00
         331         $0.00       $0.00      $0.00                   $0.00
         332            -          -           -                $0.00
         333         $0.00       $0.00      $0.00                   $0.00
         334            -          -           -                $0.00
         335         $0.00       $0.00      $0.00                   $0.00
         336            -          -           -                $0.00
       Year-28          -          -           -                $0.00
         337         $0.00       $0.00      $0.00                   $0.00
         338            -          -           -                $0.00
         339         $0.00       $0.00      $0.00                   $0.00
         340            -          -           -                $0.00
         341         $0.00       $0.00      $0.00                   $0.00
         342            -          -           -                $0.00
         343         $0.00       $0.00      $0.00                   $0.00
         344            -          -           -                $0.00
         345         $0.00       $0.00      $0.00                   $0.00
         346            -          -           -                $0.00
         347         $0.00       $0.00      $0.00                   $0.00
         348            -          -           -                $0.00
       Year-29          -          -           -                $0.00
         349         $0.00       $0.00      $0.00                   $0.00
         350            -          -           -                $0.00
         351         $0.00       $0.00      $0.00                   $0.00
         352            -          -           -                $0.00
         353         $0.00       $0.00      $0.00                   $0.00
         354            -          -           -                $0.00
         355         $0.00       $0.00      $0.00                   $0.00
         356            -          -           -                $0.00
         357         $0.00       $0.00      $0.00                   $0.00
         358            -          -           -                $0.00
         359         $0.00       $0.00      $0.00                   $0.00
         360            -          -           -                $0.00
       Year-30          -          -           -                $0.00




                               Page 56 of 59
edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
               Amortization Schedule - Other City HOME Loan
                                     0
      Interest Rate:         0.00%                 Amount Financed
      Amortization Period:          0 years             $0.00
      Loan Type:                1     0            Monthly Payment:
                                                        $0.00
        Month     Interest   Principal   Payment     Loan Balance
         361         $0.00       Beginning Balance
                                 $0.00       $0.00              $0.00
                                                                 $0.00
         362            -          -           -                $0.00
         363         $0.00       $0.00      $0.00                   $0.00
         364            -          -           -                $0.00
         365         $0.00       $0.00      $0.00                   $0.00
         366            -          -           -                $0.00
         367         $0.00       $0.00      $0.00                   $0.00
         368            -          -           -                $0.00
         369         $0.00       $0.00      $0.00                   $0.00
         370            -          -           -                $0.00
         371         $0.00       $0.00      $0.00                   $0.00
         372            -          -           -                $0.00
       Year-31          -          -           -                $0.00
         373         $0.00       $0.00      $0.00                   $0.00
         374            -          -           -                $0.00
         375         $0.00       $0.00      $0.00                   $0.00
         376            -          -           -                $0.00
         377         $0.00       $0.00      $0.00                   $0.00
         378            -          -           -                $0.00
         379         $0.00       $0.00      $0.00                   $0.00
         380            -          -           -                $0.00
         381         $0.00       $0.00      $0.00                   $0.00
         382            -          -           -                $0.00
         383         $0.00       $0.00      $0.00                   $0.00
         384            -          -           -                $0.00
       Year-32          -          -           -                $0.00
         385         $0.00       $0.00      $0.00                   $0.00
         386            -          -           -                $0.00
         387         $0.00       $0.00      $0.00                   $0.00
         388            -          -           -                $0.00
         389         $0.00       $0.00      $0.00                   $0.00
         390            -          -           -                $0.00
         391         $0.00       $0.00      $0.00                   $0.00
         392            -          -           -                $0.00
         393         $0.00       $0.00      $0.00                   $0.00
         394            -          -           -                $0.00
         395         $0.00       $0.00      $0.00                   $0.00
         396            -          -           -                $0.00
       Year-33          -          -           -                $0.00
         397         $0.00       $0.00      $0.00                   $0.00
         398            -          -           -                $0.00
         399         $0.00       $0.00      $0.00                   $0.00
         400            -          -           -                $0.00
         401         $0.00       $0.00      $0.00                   $0.00
         402            -          -           -                $0.00
         403         $0.00       $0.00      $0.00                   $0.00
         404            -          -           -                $0.00
         405         $0.00       $0.00      $0.00                   $0.00
         406            -          -           -                $0.00
         407         $0.00       $0.00      $0.00                   $0.00
         408            -          -           -                $0.00
       Year-34          -          -           -                $0.00
         409         $0.00       $0.00      $0.00                   $0.00
         410            -          -           -                $0.00
         411         $0.00       $0.00      $0.00                   $0.00
         412            -          -           -                $0.00
         413         $0.00       $0.00      $0.00                   $0.00
         414            -          -           -                $0.00
         415         $0.00       $0.00      $0.00                   $0.00
         416            -          -           -                $0.00
         417         $0.00       $0.00      $0.00                   $0.00
         418            -          -           -                $0.00
         419         $0.00       $0.00      $0.00                   $0.00
         420            -          -           -                $0.00
       Year-35          -          -           -                $0.00




                               Page 57 of 59
edd61b30-3b94-4161-84c9-b42f74597af6.xls - Loan Amortization
               Amortization Schedule - Other City HOME Loan
                                     0
      Interest Rate:         0.00%                 Amount Financed
      Amortization Period:          0 years             $0.00
      Loan Type:                1     0            Monthly Payment:
                                                        $0.00
        Month     Interest   Principal   Payment     Loan Balance
         421         $0.00       Beginning Balance
                                 $0.00       $0.00              $0.00
                                                                 $0.00
         422            -          -           -                $0.00
         423         $0.00       $0.00      $0.00                   $0.00
         424            -          -           -                $0.00
         425         $0.00       $0.00      $0.00                   $0.00
         426            -          -           -                $0.00
         427         $0.00       $0.00      $0.00                   $0.00
         428            -          -           -                $0.00
         429         $0.00       $0.00      $0.00                   $0.00
         430            -          -           -                $0.00
         431         $0.00       $0.00      $0.00                   $0.00
         432            -          -           -                $0.00
       Year-36          -          -           -                $0.00
         433         $0.00       $0.00      $0.00                   $0.00
         434            -          -           -                $0.00
         435         $0.00       $0.00      $0.00                   $0.00
         436            -          -           -                $0.00
         437         $0.00       $0.00      $0.00                   $0.00
         438            -          -           -                $0.00
         439         $0.00       $0.00      $0.00                   $0.00
         440            -          -           -                $0.00
         441         $0.00       $0.00      $0.00                   $0.00
         442            -          -           -                $0.00
         443         $0.00       $0.00      $0.00                   $0.00
         444            -          -           -                $0.00
       Year-37          -          -           -                $0.00
         445         $0.00       $0.00      $0.00                   $0.00
         446            -          -           -                $0.00
         447         $0.00       $0.00      $0.00                   $0.00
         448            -          -           -                $0.00
         449         $0.00       $0.00      $0.00                   $0.00
         450            -          -           -                $0.00
         451         $0.00       $0.00      $0.00                   $0.00
         452            -          -           -                $0.00
         453         $0.00       $0.00      $0.00                   $0.00
         454            -          -           -                $0.00
         455         $0.00       $0.00      $0.00                   $0.00
         456            -          -           -                $0.00
       Year-38          -          -           -                $0.00
         457         $0.00       $0.00      $0.00                   $0.00
         458            -          -           -                $0.00
         459         $0.00       $0.00      $0.00                   $0.00
         460            -          -           -                $0.00
         461         $0.00       $0.00      $0.00                   $0.00
         462            -          -           -                $0.00
         463         $0.00       $0.00      $0.00                   $0.00
         464            -          -           -                $0.00
         465         $0.00       $0.00      $0.00                   $0.00
         466            -          -           -                $0.00
         467         $0.00       $0.00      $0.00                   $0.00
         468            -          -           -                $0.00
       Year-39          -          -           -                $0.00
         469         $0.00       $0.00      $0.00                   $0.00
         470            -          -           -                $0.00
         471         $0.00       $0.00      $0.00                   $0.00
         472            -          -           -                $0.00
         473         $0.00       $0.00      $0.00                   $0.00
         474            -          -           -                $0.00
         475         $0.00       $0.00      $0.00                   $0.00
         476            -          -           -                $0.00
         477         $0.00       $0.00      $0.00                   $0.00
         478            -          -           -                $0.00
         479         $0.00       $0.00      $0.00                   $0.00
         480            -          -           -                $0.00
       Year-40          -          -           -                $0.00




                               Page 58 of 59
                                                                                                           State Of Utah - Department of Community and Culture
                                                                                                             Division of Housing and Community Development
                                                                                                                     Olene Walker Housing Loan Fund

                                                                                                                        2009-2010 APPLICATION FORM

                                                                              15-YEAR CASH FLOW PROFORMA - OPERATING ASSUMPTIONS AS OUTLINED IN APPLICATION
                                                                                                                   0
                                                   (First full year)
    INCOME:          Annual Increase:    3.00%        Year-1           Year-2      Year-3      Year-4       Year-5      Year-6      Year-7      Year-8      Year-9        Year-10     Year-11     Year-12     Year-13     Year-14     Year-15     TOTAL
    Gross Rental Income       # Units:      0               $0               $0          $0          $0           $0          $0          $0          $0          $0            $0          $0          $0          $0          $0          $0            $0
    Other Income                                            $0               $0          $0          $0           $0          $0          $0          $0          $0            $0          $0          $0          $0          $0          $0            $0
    Less Vacancy/Collection Loss          0%                $0               $0          $0          $0           $0          $0          $0          $0          $0            $0          $0          $0          $0          $0          $0            $0
    Adjusted Gross Income                                   $0               $0          $0          $0           $0          $0          $0          $0          $0            $0          $0          $0          $0          $0          $0            $0

    EXPENSES:           Annual Increase: 3.00%
    Total Maintenance Expense                                     $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Total Utility & Trash Expense                                 $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Total Administrative Expense                                  $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Total Other Operating Expense                                 $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Total Taxes and Insurance Expense                             $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Total Operating Expenses                                      $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0

    Reserve for Replacement                                       $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    NET OPERATING INCOME                                          $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    DCR on first mortgage only                                -           -           -           -            -           -           -           -             -           -           -           -           -           -           -
    DCR on all loans                                          -           -           -           -            -           -           -           -             -           -           -           -           -           -           -

    DEBT SERVICE     (Lender Name/Type of Funds)    (Loan Type)
    First Mortgage             None                       0
    Interest Paid                                                 $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Principal Paid                                                $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Interest accrued                                              $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Total Paid                                                    $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Second Mortgage            None                       0
    Interest Paid                                                 $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Principal Paid                                                $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Interest accrued                                              $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Total Paid                                                    $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Third Mortgage             None                       0
    Interest Paid                                                 $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Principal Paid                                                $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Interest accrued                                              $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Total Paid                                                    $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Fourth Mortgage            None                       0
    Interest Paid                                                 $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Principal Paid                                                $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Interest accrued                                              $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Total Paid                                                    $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Deferred Dev Fee           None                       0
    Interest Paid                                                 $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Principal Paid                                                $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Interest accrued                                              $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Total Paid                                                    $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    OWHLF Loan                                            0
    Interest Paid                                                 $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Principal Paid                                                $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Interest accrued                                              $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Total Paid                                                    $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Other HOME Loan            None                       0
    Interest Paid                                                 $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Principal Paid                                                $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Interest accrued                                              $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    Total Paid                                                    $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0
    TOTAL DEBT SERVICE                                            $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0

    OPERATING CASH FLOW (Before Taxes)                            $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0           $0

    OPERATING DEFICIT RESERVE   0.00%                             $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0
    ADD: RESERVE FOR REPLACEMENT                                  $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0
    CUMULATIVE RESERVE                                            $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0
    CUMULATIVE ACCRUED INTEREST                                   $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0
    Interest on Reserve                                           $0          $0          $0          $0           $0          $0          $0          $0            $0          $0          $0          $0          $0          $0          $0




Last Updated September 3, 2009

								
To top