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HOME LOANS. INTEREST FORECAST BASED ON VARIABLE INTEREST RATES.

9,529,976
1

1
YEAR 1 ( 2005 )
FTP Rate (forecast)

9.75%

13.10%

GBP

45,458,481
1

YEAR 3 ( 2007)
13.50%

GBP

YEAR 5 ( 2009)

13.70%

GBP

GBP

6,500,000.00

12,448,915.00

13,487,359.00

15,206,170.00

812,500.00

541,666.67

1,037,409.58

1,123,946.58

1,267,180.83

3,315,682.00

3,368,089.00

9,529,975.54

21,045,825.91

32,812,320.88

-285,705.81

-1,235,283.33

-3,040,260.04

-5,373,161.57

-7,836,665.47

4.75%

4.75%

4.75%

4.75%

Yearly repayment
Margin
Average Term (years)
Interest rate
Outstanding Balance

4.75%

15.00

15.00

15.00

15.00

14.50%

16.85%

17.85%

18.25%

18.45%

9,529,976

9,529,976

21,045,826

32,812,321

45,458,481

Loans disbursed

Interest Charged

Monthly Repayments

Ending Balance

Interest

Loans disbursed

Monthly rpt

Ending Balance

Interest

Loans disbursed

Monthly Rpt

3,368,089.00

Ending Balance

###

YEAR 4 ( 2008 )

6,500,000.00

Loan Disbursed(Monthly)
Outstanding Loan (Beginning)

32,812,321
1

YEAR 2 ( 2006 )

12.10%

GBP
Loan Disbursed(Annually)

21,045,826
1

YEAR 1 ( 2005 )

Interest

15.00

Loans disbursed

Monthly Rpt

9,529,975.54

Ending Balance

Interest

Loans disbursed

Monthly Rpt

21,045,825.91

Ending Balance
32,812,320.88

MONTH 1

0.00

0.00

0.00

0.00

3,802.95

3,909,755.67

-59,756.16

3,853,802.46

7,283.48

10,567,385.12

-169,040.18

10,405,628.43

7,891.04

22,169,772.49

-361,021.52

21,816,642.01

8,896.67

34,079,501.71

-559,892.72

33,528,505.66

MONTH 2

0.00

0.00

0.00

0.00

49,839.35

4,395,469.13

-67,179.73

4,378,128.75

132,002.36

11,443,038.01

-183,047.47

11,391,992.89

270,408.27

22,940,588.60

-373,573.80

22,837,423.07

412,791.99

34,795,686.49

-571,658.93

34,636,819.56

MONTH 3

0.00

0.00

0.00

0.00

56,174.96

4,919,795.41

-75,193.46

4,900,776.91

143,920.93

12,429,402.48

-198,825.76

12,374,497.65

282,742.71

23,961,369.65

-390,196.61

23,853,915.75

426,184.12

35,904,000.39

-589,867.44

35,740,317.08

MONTH 4

0.00

0.00

0.00

0.00

62,490.29

5,442,443.58

-83,181.54

5,421,752.33

155,792.86

13,411,907.23

-214,542.30

13,353,157.79

295,025.33

24,977,862.33

-406,749.59

24,866,138.07

439,518.05

37,007,497.91

-607,996.82

36,839,019.14

MONTH 5

9,817.71

812,500.00

-11,094.69

811,223.01

68,785.41

5,963,418.99

-91,144.06

5,941,060.35

167,618.34

14,390,567.37

-230,197.35

14,327,988.37

307,256.35

25,990,084.66

-423,233.02

25,874,107.98

452,794.03

38,106,199.98

-626,047.41

37,932,946.60

MONTH 6

9,809.99

1,623,723.01

-22,171.95

1,611,361.06

75,060.38

6,482,727.01

-99,081.09

6,458,706.31

179,397.54

15,365,397.95

-245,791.13

15,299,004.36

319,435.98

26,998,054.56

-439,647.21

26,877,843.34

466,012.32

39,200,127.43

-644,019.56

39,022,120.19

MONTH 7

24,379.47

2,423,861.06

-33,097.84

2,415,142.68

81,315.27

7,000,372.97

-106,992.72

6,974,695.53

191,130.65

16,336,413.94

-261,323.90

16,266,220.69

331,564.45

28,001,789.92

-455,992.44

27,877,361.93

479,173.17

40,289,301.02

-661,913.62

40,106,560.58

MONTH 8

34,091.83

3,227,642.68

-44,073.49

3,217,661.02

87,550.14

7,516,362.19

-114,879.02

7,489,033.31

202,817.85

17,303,630.28

-276,795.88

17,229,652.24

343,641.97

29,001,308.51

-472,269.01

28,872,681.47

492,276.82

41,373,741.41

-679,729.91

41,186,288.33

MONTH 9

43,788.92

4,030,161.02

-55,031.88

4,018,918.06

93,765.06

8,030,699.98

-122,740.09

8,001,724.95

214,459.31

18,267,061.83

-292,207.32

18,189,313.82

355,668.75

29,996,628.06

-488,477.19

29,863,819.61

505,323.53

42,453,469.16

-697,468.77

42,261,323.93

MONTH 10

53,470.78

4,831,418.06

-65,973.06

4,818,915.79

99,960.08

8,543,391.61

-130,576.00

8,512,775.70

226,055.22

19,226,723.40

-307,558.46

19,145,220.17

367,645.00

30,987,766.20

-504,617.28

30,850,793.91

518,313.55

43,528,504.76

-715,130.55

43,331,687.76

MONTH 11

63,137.42

5,631,415.79

-76,897.03

5,617,656.17

106,135.28

9,054,442.36

-138,386.82

9,022,190.81

237,605.76

20,182,629.75

-322,849.53

20,097,385.98

379,570.94

31,974,740.49

-520,689.57

31,833,621.86

531,247.11

44,598,868.59

-732,715.57

44,397,400.13

MONTH 12

72,788.87

6,430,156.17

-87,803.84

6,415,141.20

112,290.71

9,563,857.48

-146,172.65

9,529,975.54

249,111.10

21,134,795.57

-338,080.76

21,045,825.91

391,446.77

32,957,568.44

-536,694.34

32,812,320.88

544,124.47

45,664,580.96

-750,224.18

45,458,481.25

-285,705.81

6,415,141.20

-1,235,283.33

9,529,975.54

-3,040,260.04

21,045,825.91

-5,373,161.57

32,812,320.88

-7,836,665.47

45,458,481.25

Closing Balance
Yr 1 Net Interest on Y1 Loan

114,834.72

Yr 1 Net Interest on Y2 Loan

319,923.33

Yr 1 Net Interest on Y3 Loan

752,316.69

Yr 1 Net Interest on Y4 Loan

1,306,081.91

Yr 1 Net Interest on Y5 Loan


Average Loan
No of loans per yr

1,888,130.86
3,500,000.00

3,500,000.00

3,500,000.00

3,500,000.00

3,500,000.00

See the assumptions


Interest income ov 5Year 1
Interest Income
Year 1 Loans
Year 2 Loans
Year 3 Loans
Year 4 Loans
Year 5 Loans
Total Interest

Exchange rate
Sterling Equivalent
Year 1 Loans
Year 2 Loans
Year 3 Loans
Year 4 Loans
Year 5 Loans
Total Interest

1,276,511
1,640,953
2,720,169
2,853,134
1,888,131

10,378,898

Year 2

114,835
114,835

301,464
319,923
621,387

145
Interest income ov 5Year 1
8,804
11,317
18,760
19,677
13,022
71,579

Year 3
294,815
448,824
752,317
###
###
1,495,955

150
Year 2

792
0
0
0
0
792

Year 4
287,134
440,829
991,977
1,306,082
3,026,022

160
Year 3

2,010
2,133
0
0
0
4,143

Year 5

170
Year 4

1,843
2,805
4,702
0
0
9,350

278,263
431,377
975,875
1,547,052
1,888,131
5,120,699

180
Year 5

1,689
2,593
5,835
7,683
0
17,800

1,546
2,397
5,422
8,595
10,490
28,448

15

Loan Calculator

9,529,976

Enter Values
Loan Amount
Annual Interest Rate
Loan Period in Years
Number of Payments Per Year
Start Date of Loan
Optional Extra Payments

21,045,826

32,812,321

45,458,481

Loan Summary
Scheduled Payment
Scheduled Number of Payments
Actual Number of Payments
Total Early Payments
Total Interest

KES 6,415,141.20
14.50 %
15
12
1/1/2005

Lender Name:

Pmt
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53

Payment
Date
2/1/2005 $
3/1/2005
4/1/2005
5/1/2005
6/1/2005
7/1/2005
8/1/2005
9/1/2005
10/1/2005
11/1/2005
12/1/2005
1/1/2006
2/1/2006
3/1/2006
4/1/2006
5/1/2006
6/1/2006
7/1/2006
8/1/2006
9/1/2006
10/1/2006
11/1/2006
12/1/2006
1/1/2007
2/1/2007
3/1/2007
4/1/2007
5/1/2007
6/1/2007
7/1/2007
8/1/2007
9/1/2007
10/1/2007
11/1/2007
12/1/2007
1/1/2008
2/1/2008
3/1/2008
4/1/2008
5/1/2008
6/1/2008
7/1/2008
8/1/2008
9/1/2008
10/1/2008
11/1/2008
12/1/2008
1/1/2009
2/1/2009
3/1/2009
4/1/2009
5/1/2009
6/1/2009

Beginning
Balance
6,415,141.20
6,405,058.68
6,394,854.33
6,384,526.68
6,374,074.24
6,363,495.49
6,352,788.92
6,341,952.98
6,330,986.10
6,319,886.71
6,308,653.20
6,297,283.95
6,285,777.32
6,274,131.66
6,262,345.27
6,250,416.47
6,238,343.53
6,226,124.70
6,213,758.24
6,201,242.34
6,188,575.21
6,175,755.02
6,162,779.92
6,149,648.03
6,136,357.47
6,122,906.32
6,109,292.63
6,095,514.44
6,081,569.76
6,067,456.59
6,053,172.88
6,038,716.58
6,024,085.59
6,009,277.82
5,994,291.12
5,979,123.33
5,963,772.26
5,948,235.70
5,932,511.40
5,916,597.11
5,900,490.52
5,884,189.30
5,867,691.11
5,850,993.57
5,834,094.27
5,816,990.77
5,799,680.60
5,782,161.26
5,764,430.24
5,746,484.96
5,728,322.85
5,709,941.27
5,691,337.59

Scheduled
Payment
$

87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81

Extra
Payment
$

Total
Payment
$

87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81

Principal
$

10,082.52
10,204.35
10,327.65
10,452.44
10,578.74
10,706.57
10,835.94
10,966.88
11,099.39
11,233.51
11,369.25
11,506.63
11,645.67
11,786.38
11,928.80
12,072.94
12,218.82
12,366.47
12,515.90
12,667.13
12,820.19
12,975.10
13,131.88
13,290.56
13,451.16
13,613.69
13,778.19
13,944.68
14,113.17
14,283.71
14,456.30
14,630.98
14,807.77
14,986.70
15,167.79
15,351.07
15,536.56
15,724.29
15,914.30
16,106.59
16,301.21
16,498.19
16,697.54
16,899.30
17,103.50
17,310.17
17,519.33
17,731.03
17,945.28
18,162.12
18,381.57
18,603.68
18,828.48

Pmt
No.
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120

Payment
Date
7/1/2009
8/1/2009
9/1/2009
10/1/2009
11/1/2009
12/1/2009
1/1/2010
2/1/2010
3/1/2010
4/1/2010
5/1/2010
6/1/2010
7/1/2010
8/1/2010
9/1/2010
10/1/2010
11/1/2010
12/1/2010
1/1/2011
2/1/2011
3/1/2011
4/1/2011
5/1/2011
6/1/2011
7/1/2011
8/1/2011
9/1/2011
10/1/2011
11/1/2011
12/1/2011
1/1/2012
2/1/2012
3/1/2012
4/1/2012
5/1/2012
6/1/2012
7/1/2012
8/1/2012
9/1/2012
10/1/2012
11/1/2012
12/1/2012
1/1/2013
2/1/2013
3/1/2013
4/1/2013
5/1/2013
6/1/2013
7/1/2013
8/1/2013
9/1/2013
10/1/2013
11/1/2013
12/1/2013
1/1/2014
2/1/2014
3/1/2014
4/1/2014
5/1/2014
6/1/2014
7/1/2014
8/1/2014
9/1/2014
10/1/2014
11/1/2014
12/1/2014
1/1/2015

Beginning
Balance
5,672,509.11
5,653,453.12
5,634,166.87
5,614,647.58
5,594,892.43
5,574,898.57
5,554,663.12
5,534,183.15
5,513,455.73
5,492,477.84
5,471,246.47
5,449,758.56
5,428,011.00
5,406,000.66
5,383,724.36
5,361,178.89
5,338,360.99
5,315,267.38
5,291,894.72
5,268,239.63
5,244,298.72
5,220,068.52
5,195,545.54
5,170,726.24
5,145,607.04
5,120,184.32
5,094,454.41
5,068,413.59
5,042,058.11
5,015,384.17
4,988,387.92
4,961,065.47
4,933,412.87
4,905,426.13
4,877,101.22
4,848,434.05
4,819,420.49
4,790,056.34
4,760,337.38
4,730,259.32
4,699,817.81
4,669,008.47
4,637,826.85
4,606,268.44
4,574,328.71
4,542,003.04
4,509,286.77
4,476,175.18
4,442,663.49
4,408,746.86
4,374,420.41
4,339,679.18
4,304,518.17
4,268,932.28
4,232,916.41
4,196,465.34
4,159,573.82
4,122,236.53
4,084,448.08
4,046,203.02
4,007,495.83
3,968,320.93
3,928,672.67
3,888,545.32
3,847,933.10
3,806,830.15
3,765,230.54

Scheduled
Payment
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81

Extra
Payment
-

Total
Payment
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81

Principal
19,055.99
19,286.25
19,519.29
19,755.15
19,993.86
20,235.45
20,479.96
20,727.43
20,977.88
21,231.37
21,487.91
21,747.56
22,010.34
22,276.30
22,545.47
22,817.90
23,093.61
23,372.66
23,655.08
23,940.91
24,230.20
24,522.98
24,819.30
25,119.20
25,422.72
25,729.91
26,040.82
26,355.48
26,673.94
26,996.25
27,322.45
27,652.60
27,986.74
28,324.91
28,667.17
29,013.56
29,364.14
29,718.96
30,078.06
30,441.51
30,809.34
31,181.62
31,558.40
31,939.73
32,325.67
32,716.27
33,111.59
33,511.69
33,916.62
34,326.45
34,741.23
35,161.02
35,585.88
36,015.88
36,451.07
36,891.52
37,337.29
37,788.45
38,245.06
38,707.19
39,174.90
39,648.26
40,127.35
40,612.22
41,102.95
41,599.61
42,102.27

Pmt
No.
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187

Payment
Date
2/1/2015
3/1/2015
4/1/2015
5/1/2015
6/1/2015
7/1/2015
8/1/2015
9/1/2015
10/1/2015
11/1/2015
12/1/2015
1/1/2016
2/1/2016
3/1/2016
4/1/2016
5/1/2016
6/1/2016
7/1/2016
8/1/2016
9/1/2016
10/1/2016
11/1/2016
12/1/2016
1/1/2017
2/1/2017
3/1/2017
4/1/2017
5/1/2017
6/1/2017
7/1/2017
8/1/2017
9/1/2017
10/1/2017
11/1/2017
12/1/2017
1/1/2018
2/1/2018
3/1/2018
4/1/2018
5/1/2018
6/1/2018
7/1/2018
8/1/2018
9/1/2018
10/1/2018
11/1/2018
12/1/2018
1/1/2019
2/1/2019
3/1/2019
4/1/2019
5/1/2019
6/1/2019
7/1/2019
8/1/2019
9/1/2019
10/1/2019
11/1/2019
12/1/2019
1/1/2020
2/1/2020
3/1/2020
4/1/2020
5/1/2020
6/1/2020
7/1/2020
8/1/2020

Beginning
Balance
3,723,128.27
3,680,517.26
3,637,391.37
3,593,744.37
3,549,569.97
3,504,861.80
3,459,613.41
3,413,818.26
3,367,469.76
3,320,561.21
3,273,085.85
3,225,036.83
3,176,407.21
3,127,189.99
3,077,378.06
3,026,964.24
2,975,941.25
2,924,301.73
2,872,038.23
2,819,143.22
2,765,609.06
2,711,428.03
2,656,592.31
2,601,093.99
2,544,925.07
2,488,077.44
2,430,542.90
2,372,313.15
2,313,379.79
2,253,734.32
2,193,368.14
2,132,272.53
2,070,438.68
2,007,857.67
1,944,520.48
1,880,417.96
1,815,540.87
1,749,879.84
1,683,425.42
1,616,168.00
1,548,097.89
1,479,205.26
1,409,480.18
1,338,912.59
1,267,492.31
1,195,209.04
1,122,052.34
1,048,011.66
973,076.33
897,235.52
820,478.31
742,793.62
664,170.23
584,596.81
504,061.88
422,553.82
340,060.87
256,571.13
172,072.56
86,552.96
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Scheduled
Payment
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81

Extra
Payment
-

Total
Payment
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
86,552.96
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Principal
42,611.01
43,125.89
43,647.00
44,174.40
44,708.17
45,248.39
45,795.15
46,348.50
46,908.55
47,475.36
48,049.02
48,629.61
49,217.22
49,811.93
50,413.82
51,022.99
51,639.52
52,263.50
52,895.01
53,534.16
54,181.03
54,835.72
55,498.32
56,168.92
56,847.63
57,534.54
58,229.75
58,933.36
59,645.47
60,366.19
61,095.61
61,833.85
62,581.01
63,337.19
64,102.52
64,877.09
65,661.02
66,454.43
67,257.42
68,070.11
68,892.63
69,725.08
70,567.59
71,420.28
72,283.28
73,156.70
74,040.68
74,935.33
75,840.80
76,757.21
77,684.70
78,623.39
79,573.42
80,534.93
81,508.06
82,492.95
83,489.74
84,498.57
85,519.60
85,507.11
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Pmt
No.
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254

Payment
Date
9/1/2020
10/1/2020
11/1/2020
12/1/2020
1/1/2021
2/1/2021
3/1/2021
4/1/2021
5/1/2021
6/1/2021
7/1/2021
8/1/2021
9/1/2021
10/1/2021
11/1/2021
12/1/2021
1/1/2022
2/1/2022
3/1/2022
4/1/2022
5/1/2022
6/1/2022
7/1/2022
8/1/2022
9/1/2022
10/1/2022
11/1/2022
12/1/2022
1/1/2023
2/1/2023
3/1/2023
4/1/2023
5/1/2023
6/1/2023
7/1/2023
8/1/2023
9/1/2023
10/1/2023
11/1/2023
12/1/2023
1/1/2024
2/1/2024
3/1/2024
4/1/2024
5/1/2024
6/1/2024
7/1/2024
8/1/2024
9/1/2024
10/1/2024
11/1/2024
12/1/2024
1/1/2025
2/1/2025
3/1/2025
4/1/2025
5/1/2025
6/1/2025
7/1/2025
8/1/2025
9/1/2025
10/1/2025
11/1/2025
12/1/2025
1/1/2026
2/1/2026
3/1/2026

Beginning
Balance

Scheduled
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81

Extra
Payment
-

Total
Payment

Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Pmt
No.
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321

Payment
Date
4/1/2026
5/1/2026
6/1/2026
7/1/2026
8/1/2026
9/1/2026
10/1/2026
11/1/2026
12/1/2026
1/1/2027
2/1/2027
3/1/2027
4/1/2027
5/1/2027
6/1/2027
7/1/2027
8/1/2027
9/1/2027
10/1/2027
11/1/2027
12/1/2027
1/1/2028
2/1/2028
3/1/2028
4/1/2028
5/1/2028
6/1/2028
7/1/2028
8/1/2028
9/1/2028
10/1/2028
11/1/2028
12/1/2028
1/1/2029
2/1/2029
3/1/2029
4/1/2029
5/1/2029
6/1/2029
7/1/2029
8/1/2029
9/1/2029
10/1/2029
11/1/2029
12/1/2029
1/1/2030
2/1/2030
3/1/2030
4/1/2030
5/1/2030
6/1/2030
7/1/2030
8/1/2030
9/1/2030
10/1/2030
11/1/2030
12/1/2030
1/1/2031
2/1/2031
3/1/2031
4/1/2031
5/1/2031
6/1/2031
7/1/2031
8/1/2031
9/1/2031
10/1/2031

Beginning
Balance

Scheduled
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81

Extra
Payment
-

Total
Payment

Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Pmt
No.
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360

Payment
Date
11/1/2031
12/1/2031
1/1/2032
2/1/2032
3/1/2032
4/1/2032
5/1/2032
6/1/2032
7/1/2032
8/1/2032
9/1/2032
10/1/2032
11/1/2032
12/1/2032
1/1/2033
2/1/2033
3/1/2033
4/1/2033
5/1/2033
6/1/2033
7/1/2033
8/1/2033
9/1/2033
10/1/2033
11/1/2033
12/1/2033
1/1/2034
2/1/2034
3/1/2034
4/1/2034
5/1/2034
6/1/2034
7/1/2034
8/1/2034
9/1/2034
10/1/2034
11/1/2034
12/1/2034
1/1/2035

Beginning
Balance

Scheduled
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81
87,598.81

Extra
Payment
-

Total
Payment

Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

59,249,393

Loan Summary
$

$
$

87,598.81
180
180
9,352,644.30

Ending
Balance

Interest
$

77,516.29
77,394.46
77,271.16
77,146.36
77,020.06
76,892.24
76,762.87
76,631.93
76,499.42
76,365.30
76,229.56
76,092.18
75,953.14
75,812.42
75,670.01
75,525.87
75,379.98
75,232.34
75,082.91
74,931.68
74,778.62
74,623.71
74,466.92
74,308.25
74,147.65
73,985.12
73,820.62
73,654.13
73,485.63
73,315.10
73,142.51
72,967.83
72,791.03
72,612.11
72,431.02
72,247.74
72,062.25
71,874.51
71,684.51
71,492.22
71,297.59
71,100.62
70,901.27
70,699.51
70,495.31
70,288.64
70,079.47
69,867.78
69,653.53
69,436.69
69,217.23
68,995.12
68,770.33

6,405,058.68
6,394,854.33
6,384,526.68
6,374,074.24
6,363,495.49
6,352,788.92
6,341,952.98
6,330,986.10
6,319,886.71
6,308,653.20
6,297,283.95
6,285,777.32
6,274,131.66
6,262,345.27
6,250,416.47
6,238,343.53
6,226,124.70
6,213,758.24
6,201,242.34
6,188,575.21
6,175,755.02
6,162,779.92
6,149,648.03
6,136,357.47
6,122,906.32
6,109,292.63
6,095,514.44
6,081,569.76
6,067,456.59
6,053,172.88
6,038,716.58
6,024,085.59
6,009,277.82
5,994,291.12
5,979,123.33
5,963,772.26
5,948,235.70
5,932,511.40
5,916,597.11
5,900,490.52
5,884,189.30
5,867,691.11
5,850,993.57
5,834,094.27
5,816,990.77
5,799,680.60
5,782,161.26
5,764,430.24
5,746,484.96
5,728,322.85
5,709,941.27
5,691,337.59
5,672,509.11

Margin
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%

NII

Payment No
25,353.36
25,312.97
25,272.08
25,230.71
25,188.84
25,146.46
25,103.56
25,060.15
25,016.22
24,971.75
24,926.75
24,881.20
24,835.10
24,788.45
24,741.23
24,693.44
24,645.08
24,596.13
24,546.58
24,496.44
24,445.70
24,394.34
24,342.36
24,289.75
24,236.50
24,182.62
24,128.08
24,072.88
24,017.02
23,960.48
23,903.25
23,845.34
23,786.72
23,727.40
23,667.36
23,606.60
23,545.10
23,482.86
23,419.86
23,356.11
23,291.58
23,226.28
23,160.18
23,093.29
23,025.59
22,957.07
22,887.72
22,817.54
22,746.50
22,674.61
22,601.85
22,528.21
22,453.68

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53

Interest
68,542.82
68,312.56
68,079.52
67,843.66
67,604.95
67,363.36
67,118.85
66,871.38
66,620.92
66,367.44
66,110.89
65,851.25
65,588.47
65,322.51
65,053.34
64,780.91
64,505.20
64,226.15
63,943.73
63,657.90
63,368.61
63,075.83
62,779.51
62,479.61
62,176.09
61,868.89
61,557.99
61,243.33
60,924.87
60,602.56
60,276.35
59,946.21
59,612.07
59,273.90
58,931.64
58,585.24
58,234.66
57,879.85
57,520.74
57,157.30
56,789.47
56,417.19
56,040.41
55,659.08
55,273.14
54,882.54
54,487.22
54,087.12
53,682.18
53,272.36
52,857.58
52,437.79
52,012.93
51,582.93
51,147.74
50,707.29
50,261.52
49,810.36
49,353.75
48,891.62
48,423.91
47,950.54
47,471.46
46,986.59
46,495.86
45,999.20
45,496.54

Ending
Balance
5,653,453.12
5,634,166.87
5,614,647.58
5,594,892.43
5,574,898.57
5,554,663.12
5,534,183.15
5,513,455.73
5,492,477.84
5,471,246.47
5,449,758.56
5,428,011.00
5,406,000.66
5,383,724.36
5,361,178.89
5,338,360.99
5,315,267.38
5,291,894.72
5,268,239.63
5,244,298.72
5,220,068.52
5,195,545.54
5,170,726.24
5,145,607.04
5,120,184.32
5,094,454.41
5,068,413.59
5,042,058.11
5,015,384.17
4,988,387.92
4,961,065.47
4,933,412.87
4,905,426.13
4,877,101.22
4,848,434.05
4,819,420.49
4,790,056.34
4,760,337.38
4,730,259.32
4,699,817.81
4,669,008.47
4,637,826.85
4,606,268.44
4,574,328.71
4,542,003.04
4,509,286.77
4,476,175.18
4,442,663.49
4,408,746.86
4,374,420.41
4,339,679.18
4,304,518.17
4,268,932.28
4,232,916.41
4,196,465.34
4,159,573.82
4,122,236.53
4,084,448.08
4,046,203.02
4,007,495.83
3,968,320.93
3,928,672.67
3,888,545.32
3,847,933.10
3,806,830.15
3,765,230.54
3,723,128.27

Margin
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%

NII
22,378.25
22,301.91
22,224.65
22,146.45
22,067.31
21,987.21
21,906.14
21,824.10
21,741.06
21,657.02
21,571.96
21,485.88
21,398.75
21,310.58
21,221.33
21,131.01
21,039.60
20,947.08
20,853.45
20,758.68
20,662.77
20,565.70
20,467.46
20,368.03
20,267.40
20,165.55
20,062.47
19,958.15
19,852.56
19,745.70
19,637.55
19,528.09
19,417.31
19,305.19
19,191.72
19,076.87
18,960.64
18,843.00
18,723.94
18,603.45
18,481.49
18,358.06
18,233.15
18,106.72
17,978.76
17,849.26
17,718.19
17,585.54
17,451.29
17,315.41
17,177.90
17,038.72
16,897.86
16,755.29
16,611.01
2,363,595.56

Payment No
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108

Interest
44,987.80
44,472.92
43,951.81
43,424.41
42,890.64
42,350.41
41,803.66
41,250.30
40,690.26
40,123.45
39,549.79
38,969.19
38,381.59
37,786.88
37,184.98
36,575.82
35,959.29
35,335.31
34,703.80
34,064.65
33,417.78
32,763.09
32,100.49
31,429.89
30,751.18
30,064.27
29,369.06
28,665.45
27,953.34
27,232.62
26,503.20
25,764.96
25,017.80
24,261.61
23,496.29
22,721.72
21,937.79
21,144.38
20,341.39
19,528.70
18,706.18
17,873.73
17,031.22
16,178.53
15,315.53
14,442.11
13,558.13
12,663.47
11,758.01
10,841.60
9,914.11
8,975.42
8,025.39
7,063.88
6,090.75
5,105.86
4,109.07
3,100.23
2,079.21
1,045.85
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Ending
Balance
3,680,517.26
3,637,391.37
3,593,744.37
3,549,569.97
3,504,861.80
3,459,613.41
3,413,818.26
3,367,469.76
3,320,561.21
3,273,085.85
3,225,036.83
3,176,407.21
3,127,189.99
3,077,378.06
3,026,964.24
2,975,941.25
2,924,301.73
2,872,038.23
2,819,143.22
2,765,609.06
2,711,428.03
2,656,592.31
2,601,093.99
2,544,925.07
2,488,077.44
2,430,542.90
2,372,313.15
2,313,379.79
2,253,734.32
2,193,368.14
2,132,272.53
2,070,438.68
2,007,857.67
1,944,520.48
1,880,417.96
1,815,540.87
1,749,879.84
1,683,425.42
1,616,168.00
1,548,097.89
1,479,205.26
1,409,480.18
1,338,912.59
1,267,492.31
1,195,209.04
1,122,052.34
1,048,011.66
973,076.33
897,235.52
820,478.31
742,793.62
664,170.23
584,596.81
504,061.88
422,553.82
340,060.87
256,571.13
172,072.56
86,552.96
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Margin

NII

Payment No

Ending
Balance

Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Margin
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

NII

Payment No

Ending
Balance

Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Margin
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

NII

Payment No

Ending
Balance

Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Margin
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

NII

Payment No

Loan Calculator
Enter Values
Loan Amount
Annual Interest Rate
Loan Period in Years
Number of Payments Per Year
Start Date of Loan
Optional Extra Payments

Loan Summary
Scheduled Payment
Scheduled Number of Payments
Actual Number of Payments
Total Early Payments
Total Interest

KES 9,529,975.54
16.85 %
15
12
1/1/2006

Lender Name:

Pmt
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53

Payment
Date
2/1/2006 $
3/1/2006
4/1/2006
5/1/2006
6/1/2006
7/1/2006
8/1/2006
9/1/2006
10/1/2006
11/1/2006
12/1/2006
1/1/2007
2/1/2007
3/1/2007
4/1/2007
5/1/2007
6/1/2007
7/1/2007
8/1/2007
9/1/2007
10/1/2007
11/1/2007
12/1/2007
1/1/2008
2/1/2008
3/1/2008
4/1/2008
5/1/2008
6/1/2008
7/1/2008
8/1/2008
9/1/2008
10/1/2008
11/1/2008
12/1/2008
1/1/2009
2/1/2009
3/1/2009
4/1/2009
5/1/2009
6/1/2009
7/1/2009
8/1/2009
9/1/2009
10/1/2009
11/1/2009
12/1/2009
1/1/2010
2/1/2010
3/1/2010
4/1/2010
5/1/2010
6/1/2010

Beginning
Balance
9,529,975.54
9,518,137.47
9,506,133.18
9,493,960.33
9,481,616.55
9,469,099.44
9,456,406.57
9,443,535.48
9,430,483.65
9,417,248.55
9,403,827.61
9,390,218.22
9,376,417.73
9,362,423.45
9,348,232.68
9,333,842.64
9,319,250.54
9,304,453.54
9,289,448.77
9,274,233.31
9,258,804.20
9,243,158.44
9,227,292.98
9,211,204.75
9,194,890.61
9,178,347.39
9,161,571.88
9,144,560.81
9,127,310.88
9,109,818.73
9,092,080.97
9,074,094.13
9,055,854.73
9,037,359.22
9,018,604.00
8,999,585.42
8,980,299.80
8,960,743.37
8,940,912.33
8,920,802.84
8,900,410.97
8,879,732.77
8,858,764.21
8,837,501.22
8,815,939.66
8,794,075.34
8,771,904.01
8,749,421.36
8,726,623.01
8,703,504.54
8,680,061.44
8,656,289.17
8,632,183.09

Scheduled
Payment
$

145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81

Extra
Payment
$

Total
Payment
$

145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81

Principal
$

11,838.07
12,004.29
12,172.85
12,343.78
12,517.11
12,692.87
12,871.10
13,051.83
13,235.10
13,420.94
13,609.39
13,800.49
13,994.27
14,190.78
14,390.04
14,592.10
14,797.00
15,004.77
15,215.46
15,429.11
15,645.76
15,865.46
16,088.23
16,314.14
16,543.22
16,775.51
17,011.07
17,249.93
17,492.15
17,737.77
17,986.84
18,239.40
18,495.51
18,755.22
19,018.57
19,285.63
19,556.43
19,831.03
20,109.49
20,391.87
20,678.20
20,968.56
21,262.99
21,561.56
21,864.32
22,171.33
22,482.65
22,798.35
23,118.47
23,443.10
23,772.28
24,106.08
24,444.57

Pmt
No.
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120

Payment
Date
7/1/2010
8/1/2010
9/1/2010
10/1/2010
11/1/2010
12/1/2010
1/1/2011
2/1/2011
3/1/2011
4/1/2011
5/1/2011
6/1/2011
7/1/2011
8/1/2011
9/1/2011
10/1/2011
11/1/2011
12/1/2011
1/1/2012
2/1/2012
3/1/2012
4/1/2012
5/1/2012
6/1/2012
7/1/2012
8/1/2012
9/1/2012
10/1/2012
11/1/2012
12/1/2012
1/1/2013
2/1/2013
3/1/2013
4/1/2013
5/1/2013
6/1/2013
7/1/2013
8/1/2013
9/1/2013
10/1/2013
11/1/2013
12/1/2013
1/1/2014
2/1/2014
3/1/2014
4/1/2014
5/1/2014
6/1/2014
7/1/2014
8/1/2014
9/1/2014
10/1/2014
11/1/2014
12/1/2014
1/1/2015
2/1/2015
3/1/2015
4/1/2015
5/1/2015
6/1/2015
7/1/2015
8/1/2015
9/1/2015
10/1/2015
11/1/2015
12/1/2015
1/1/2016

Beginning
Balance
8,607,738.52
8,582,950.71
8,557,814.84
8,532,326.01
8,506,479.29
8,480,269.63
8,453,691.94
8,426,741.06
8,399,411.74
8,371,698.68
8,343,596.47
8,315,099.67
8,286,202.72
8,256,900.01
8,227,185.84
8,197,054.44
8,166,499.94
8,135,516.40
8,104,097.81
8,072,238.04
8,039,930.91
8,007,170.14
7,973,949.35
7,940,262.08
7,906,101.79
7,871,461.83
7,836,335.47
7,800,715.87
7,764,596.12
7,727,969.18
7,690,827.94
7,653,165.18
7,614,973.57
7,576,245.68
7,536,973.99
7,497,150.87
7,456,768.55
7,415,819.21
7,374,294.86
7,332,187.45
7,289,488.77
7,246,190.54
7,202,284.33
7,157,761.60
7,112,613.69
7,066,831.84
7,020,407.13
6,973,330.54
6,925,592.92
6,877,184.98
6,828,097.31
6,778,320.37
6,727,844.48
6,676,659.83
6,624,756.45
6,572,124.27
6,518,753.04
6,464,632.39
6,409,751.80
6,354,100.60
6,297,667.95
6,240,442.90
6,182,414.31
6,123,570.91
6,063,901.25
6,003,393.72
5,942,036.57

Scheduled
Payment
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81

Extra
Payment
-

Total
Payment
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81

Principal
24,787.81
25,135.87
25,488.82
25,846.73
26,209.66
26,577.69
26,950.88
27,329.32
27,713.07
28,102.20
28,496.81
28,896.95
29,302.71
29,714.17
30,131.40
30,554.50
30,983.54
31,418.60
31,859.77
32,307.13
32,760.78
33,220.79
33,687.27
34,160.29
34,639.96
35,126.36
35,619.60
36,119.75
36,626.94
37,141.24
37,662.76
38,191.61
38,727.89
39,271.69
39,823.13
40,382.31
40,949.35
41,524.34
42,107.42
42,698.67
43,298.23
43,906.21
44,522.73
45,147.90
45,781.85
46,424.71
47,076.59
47,737.62
48,407.94
49,087.67
49,776.94
50,475.89
51,184.66
51,903.37
52,632.18
53,371.23
54,120.65
54,880.59
55,651.21
56,432.64
57,225.05
58,028.59
58,843.40
59,669.66
60,507.53
61,357.15
62,218.71

Pmt
No.
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187

Payment
Date
2/1/2016
3/1/2016
4/1/2016
5/1/2016
6/1/2016
7/1/2016
8/1/2016
9/1/2016
10/1/2016
11/1/2016
12/1/2016
1/1/2017
2/1/2017
3/1/2017
4/1/2017
5/1/2017
6/1/2017
7/1/2017
8/1/2017
9/1/2017
10/1/2017
11/1/2017
12/1/2017
1/1/2018
2/1/2018
3/1/2018
4/1/2018
5/1/2018
6/1/2018
7/1/2018
8/1/2018
9/1/2018
10/1/2018
11/1/2018
12/1/2018
1/1/2019
2/1/2019
3/1/2019
4/1/2019
5/1/2019
6/1/2019
7/1/2019
8/1/2019
9/1/2019
10/1/2019
11/1/2019
12/1/2019
1/1/2020
2/1/2020
3/1/2020
4/1/2020
5/1/2020
6/1/2020
7/1/2020
8/1/2020
9/1/2020
10/1/2020
11/1/2020
12/1/2020
1/1/2021
2/1/2021
3/1/2021
4/1/2021
5/1/2021
6/1/2021
7/1/2021
8/1/2021

Beginning
Balance
5,879,817.86
5,816,725.50
5,752,747.21
5,687,870.56
5,622,082.94
5,555,371.55
5,487,723.42
5,419,125.40
5,349,564.14
5,279,026.14
5,207,497.66
5,134,964.80
5,061,413.45
4,986,829.33
4,911,197.92
4,834,504.52
4,756,734.21
4,677,871.88
4,597,902.20
4,516,809.60
4,434,578.33
4,351,192.39
4,266,635.58
4,180,891.45
4,093,943.33
4,005,774.31
3,916,367.25
3,825,704.77
3,733,769.24
3,640,542.78
3,546,007.26
3,450,144.30
3,352,935.27
3,254,361.27
3,154,403.12
3,053,041.39
2,950,256.37
2,846,028.09
2,740,336.26
2,633,160.34
2,524,479.49
2,414,272.59
2,302,518.19
2,189,194.58
2,074,279.72
1,957,751.26
1,839,586.54
1,719,762.60
1,598,256.12
1,475,043.50
1,350,100.76
1,223,403.62
1,094,927.44
964,647.24
832,537.69
698,573.10
562,727.43
424,974.25
285,286.79
143,637.89
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Scheduled
Payment
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81

Extra
Payment
-

Total
Payment
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
143,637.89
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Principal
63,092.36
63,978.29
64,876.65
65,787.62
66,711.39
67,648.13
68,598.02
69,561.25
70,538.01
71,528.48
72,532.86
73,551.34
74,584.12
75,631.41
76,693.40
77,770.30
78,862.33
79,969.69
81,092.60
82,231.27
83,385.93
84,556.81
85,744.13
86,948.12
88,169.02
89,407.06
90,662.48
91,935.53
93,226.46
94,535.52
95,862.95
97,209.03
98,574.01
99,958.15
101,361.73
102,785.02
104,228.29
105,691.83
107,175.92
108,680.85
110,206.91
111,754.39
113,323.61
114,914.86
116,528.46
118,164.72
119,823.94
121,506.47
123,212.63
124,942.74
126,697.14
128,476.18
130,280.20
132,109.55
133,964.59
135,845.67
137,753.17
139,687.46
141,648.90
141,620.97
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Pmt
No.
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254

Payment
Date
9/1/2021
10/1/2021
11/1/2021
12/1/2021
1/1/2022
2/1/2022
3/1/2022
4/1/2022
5/1/2022
6/1/2022
7/1/2022
8/1/2022
9/1/2022
10/1/2022
11/1/2022
12/1/2022
1/1/2023
2/1/2023
3/1/2023
4/1/2023
5/1/2023
6/1/2023
7/1/2023
8/1/2023
9/1/2023
10/1/2023
11/1/2023
12/1/2023
1/1/2024
2/1/2024
3/1/2024
4/1/2024
5/1/2024
6/1/2024
7/1/2024
8/1/2024
9/1/2024
10/1/2024
11/1/2024
12/1/2024
1/1/2025
2/1/2025
3/1/2025
4/1/2025
5/1/2025
6/1/2025
7/1/2025
8/1/2025
9/1/2025
10/1/2025
11/1/2025
12/1/2025
1/1/2026
2/1/2026
3/1/2026
4/1/2026
5/1/2026
6/1/2026
7/1/2026
8/1/2026
9/1/2026
10/1/2026
11/1/2026
12/1/2026
1/1/2027
2/1/2027
3/1/2027

Beginning
Balance

Scheduled
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81

Extra
Payment
-

Total
Payment

Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Pmt
No.
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321

Payment
Date
4/1/2027
5/1/2027
6/1/2027
7/1/2027
8/1/2027
9/1/2027
10/1/2027
11/1/2027
12/1/2027
1/1/2028
2/1/2028
3/1/2028
4/1/2028
5/1/2028
6/1/2028
7/1/2028
8/1/2028
9/1/2028
10/1/2028
11/1/2028
12/1/2028
1/1/2029
2/1/2029
3/1/2029
4/1/2029
5/1/2029
6/1/2029
7/1/2029
8/1/2029
9/1/2029
10/1/2029
11/1/2029
12/1/2029
1/1/2030
2/1/2030
3/1/2030
4/1/2030
5/1/2030
6/1/2030
7/1/2030
8/1/2030
9/1/2030
10/1/2030
11/1/2030
12/1/2030
1/1/2031
2/1/2031
3/1/2031
4/1/2031
5/1/2031
6/1/2031
7/1/2031
8/1/2031
9/1/2031
10/1/2031
11/1/2031
12/1/2031
1/1/2032
2/1/2032
3/1/2032
4/1/2032
5/1/2032
6/1/2032
7/1/2032
8/1/2032
9/1/2032
10/1/2032

Beginning
Balance

Scheduled
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81

Extra
Payment
-

Total
Payment

Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Pmt
No.
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360

Payment
Date
11/1/2032
12/1/2032
1/1/2033
2/1/2033
3/1/2033
4/1/2033
5/1/2033
6/1/2033
7/1/2033
8/1/2033
9/1/2033
10/1/2033
11/1/2033
12/1/2033
1/1/2034
2/1/2034
3/1/2034
4/1/2034
5/1/2034
6/1/2034
7/1/2034
8/1/2034
9/1/2034
10/1/2034
11/1/2034
12/1/2034
1/1/2035
2/1/2035
3/1/2035
4/1/2035
5/1/2035
6/1/2035
7/1/2035
8/1/2035
9/1/2035
10/1/2035
11/1/2035
12/1/2035
1/1/2036

Beginning
Balance

Scheduled
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81
145,654.81

Extra
Payment
-

Total
Payment

Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Loan Summary
$

$
$

145,654.81
180
180
16,687,889.46

Interest
$

133,816.74
133,650.51
133,481.95
133,311.03
133,137.70
132,961.94
132,783.71
132,602.98
132,419.71
132,233.87
132,045.41
131,854.31
131,660.53
131,464.03
131,264.77
131,062.71
130,857.81
130,650.04
130,439.34
130,225.69
130,009.04
129,789.35
129,566.57
129,340.67
129,111.59
128,879.29
128,643.74
128,404.87
128,162.66
127,917.04
127,667.97
127,415.41
127,159.29
126,899.59
126,636.23
126,369.18
126,098.38
125,823.77
125,545.31
125,262.94
124,976.60
124,686.25
124,391.81
124,093.25
123,790.49
123,483.47
123,172.15
122,856.46
122,536.33
122,211.71
121,882.53
121,548.73
121,210.24

Ending Balance Margin NII


$

9,518,137.47
9,506,133.18
9,493,960.33
9,481,616.55
9,469,099.44
9,456,406.57
9,443,535.48
9,430,483.65
9,417,248.55
9,403,827.61
9,390,218.22
9,376,417.73
9,362,423.45
9,348,232.68
9,333,842.64
9,319,250.54
9,304,453.54
9,289,448.77
9,274,233.31
9,258,804.20
9,243,158.44
9,227,292.98
9,211,204.75
9,194,890.61
9,178,347.39
9,161,571.88
9,144,560.81
9,127,310.88
9,109,818.73
9,092,080.97
9,074,094.13
9,055,854.73
9,037,359.22
9,018,604.00
8,999,585.42
8,980,299.80
8,960,743.37
8,940,912.33
8,920,802.84
8,900,410.97
8,879,732.77
8,858,764.21
8,837,501.22
8,815,939.66
8,794,075.34
8,771,904.01
8,749,421.36
8,726,623.01
8,703,504.54
8,680,061.44
8,656,289.17
8,632,183.09
8,607,738.52

4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%

Payment No
37,675.96
37,628.44
37,580.26
37,531.40
37,481.85
37,431.61
37,380.66
37,329.00
37,276.61
37,223.48
37,169.61
37,114.99
37,059.59
37,003.42
36,946.46
36,888.70
36,830.13
36,770.73
36,710.51
36,649.43
36,587.50
36,524.70
36,461.02
36,396.44
36,330.96
36,264.56
36,197.22
36,128.94
36,059.70
35,989.49
35,918.29
35,846.09
35,772.88
35,698.64
35,623.36
35,547.02
35,469.61
35,391.11
35,311.51
35,230.79
35,148.94
35,065.94
34,981.78
34,896.43
34,809.88
34,722.12
34,633.13
34,542.88
34,451.37
34,358.58
34,264.48
34,169.06
34,072.30

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53

Interest
120,867.00
120,518.93
120,165.98
119,808.08
119,445.15
119,077.12
118,703.92
118,325.49
117,941.74
117,552.60
117,158.00
116,757.86
116,352.10
115,940.64
115,523.40
115,100.31
114,671.27
114,236.21
113,795.04
113,347.68
112,894.03
112,434.01
111,967.54
111,494.51
111,014.85
110,528.44
110,035.21
109,535.05
109,027.87
108,513.57
107,992.04
107,463.19
106,926.92
106,383.12
105,831.68
105,272.49
104,705.46
104,130.46
103,547.39
102,956.13
102,356.57
101,748.59
101,132.08
100,506.90
99,872.95
99,230.10
98,578.22
97,917.18
97,246.87
96,567.14
95,877.87
95,178.92
94,470.15
93,751.43
93,022.62
92,283.58
91,534.16
90,774.21
90,003.60
89,222.16
88,429.75
87,626.22
86,811.40
85,985.14
85,147.28
84,297.65
83,436.10

Ending Balance Margin NII


8,582,950.71
8,557,814.84
8,532,326.01
8,506,479.29
8,480,269.63
8,453,691.94
8,426,741.06
8,399,411.74
8,371,698.68
8,343,596.47
8,315,099.67
8,286,202.72
8,256,900.01
8,227,185.84
8,197,054.44
8,166,499.94
8,135,516.40
8,104,097.81
8,072,238.04
8,039,930.91
8,007,170.14
7,973,949.35
7,940,262.08
7,906,101.79
7,871,461.83
7,836,335.47
7,800,715.87
7,764,596.12
7,727,969.18
7,690,827.94
7,653,165.18
7,614,973.57
7,576,245.68
7,536,973.99
7,497,150.87
7,456,768.55
7,415,819.21
7,374,294.86
7,332,187.45
7,289,488.77
7,246,190.54
7,202,284.33
7,157,761.60
7,112,613.69
7,066,831.84
7,020,407.13
6,973,330.54
6,925,592.92
6,877,184.98
6,828,097.31
6,778,320.37
6,727,844.48
6,676,659.83
6,624,756.45
6,572,124.27
6,518,753.04
6,464,632.39
6,409,751.80
6,354,100.60
6,297,667.95
6,240,442.90
6,182,414.31
6,123,570.91
6,063,901.25
6,003,393.72
5,942,036.57
5,879,817.86

4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%

Payment No
33,974.18
33,874.68
33,773.79
33,671.48
33,567.73
33,462.53
33,355.85
33,247.67
33,137.97
33,026.74
32,913.94
32,799.55
32,683.56
32,565.94
32,446.67
32,325.73
32,203.09
32,078.72
31,952.61
31,824.73
31,695.05
31,563.55
31,430.20
31,294.99
31,157.87
31,018.83
30,877.83
30,734.86
30,589.88
30,442.86
30,293.78
30,142.60
29,989.31
29,833.86
29,676.22
29,516.38
29,354.28
29,189.92
29,023.24
28,854.23
28,682.84
28,509.04
28,332.81
28,154.10
27,972.88
27,789.11
27,602.77
27,413.81
27,222.19
27,027.89
26,830.85
26,631.05
26,428.45
26,222.99
26,014.66

54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108

Interest
82,562.44
81,676.52
80,778.16
79,867.18
78,943.41
78,006.68
77,056.78
76,093.55
75,116.80
74,126.33
73,121.95
72,103.46
71,070.68
70,023.40
68,961.40
67,884.50
66,792.48
65,685.12
64,562.21
63,423.53
62,268.87
61,097.99
59,910.67
58,706.68
57,485.79
56,247.75
54,992.32
53,719.27
52,428.34
51,119.29
49,791.85
48,445.78
47,080.80
45,696.66
44,293.08
42,869.79
41,426.52
39,962.98
38,478.89
36,973.96
35,447.90
33,900.41
32,331.19
30,739.94
29,126.34
27,490.09
25,830.86
24,148.33
22,442.18
20,712.07
18,957.66
17,178.63
15,374.61
13,545.26
11,690.22
9,809.13
7,901.63
5,967.35
4,005.90
2,016.92
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Ending Balance Margin NII


5,816,725.50
5,752,747.21
5,687,870.56
5,622,082.94
5,555,371.55
5,487,723.42
5,419,125.40
5,349,564.14
5,279,026.14
5,207,497.66
5,134,964.80
5,061,413.45
4,986,829.33
4,911,197.92
4,834,504.52
4,756,734.21
4,677,871.88
4,597,902.20
4,516,809.60
4,434,578.33
4,351,192.39
4,266,635.58
4,180,891.45
4,093,943.33
4,005,774.31
3,916,367.25
3,825,704.77
3,733,769.24
3,640,542.78
3,546,007.26
3,450,144.30
3,352,935.27
3,254,361.27
3,154,403.12
3,053,041.39
2,950,256.37
2,846,028.09
2,740,336.26
2,633,160.34
2,524,479.49
2,414,272.59
2,302,518.19
2,189,194.58
2,074,279.72
1,957,751.26
1,839,586.54
1,719,762.60
1,598,256.12
1,475,043.50
1,350,100.76
1,223,403.62
1,094,927.44
964,647.24
832,537.69
698,573.10
562,727.43
424,974.25
285,286.79
143,637.89
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Payment No

Interest

Ending Balance Margin NII


0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Payment No

Interest

Ending Balance Margin NII


0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Payment No

Interest

Ending Balance Margin NII


0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Payment No

Loan Calculator
Enter Values
Loan Amount
Annual Interest Rate
Loan Period in Years
Number of Payments Per Year
Start Date of Loan
Optional Extra Payments

Loan Summary
Scheduled Payment $
Scheduled Number of Payments
Actual Number of Payments
Total Early Payments $
Total Interest $

KES 21,045,825.91
17.85 %
15
12
1/1/2007

336,657.56
180
180
39,552,535.09

Lender Name:

Pmt
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53

Payment
Date
2/1/2007 $
3/1/2007
4/1/2007
5/1/2007
6/1/2007
7/1/2007
8/1/2007
9/1/2007
10/1/2007
11/1/2007
12/1/2007
1/1/2008
2/1/2008
3/1/2008
4/1/2008
5/1/2008
6/1/2008
7/1/2008
8/1/2008
9/1/2008
10/1/2008
11/1/2008
12/1/2008
1/1/2009
2/1/2009
3/1/2009
4/1/2009
5/1/2009
6/1/2009
7/1/2009
8/1/2009
9/1/2009
10/1/2009
11/1/2009
12/1/2009
1/1/2010
2/1/2010
3/1/2010
4/1/2010
5/1/2010
6/1/2010
7/1/2010
8/1/2010
9/1/2010
10/1/2010
11/1/2010
12/1/2010
1/1/2011
2/1/2011
3/1/2011
4/1/2011
5/1/2011
6/1/2011

Beginning
Balance
21,045,825.91
21,022,225.01
20,998,273.04
20,973,964.79
20,949,294.96
20,924,258.16
20,898,848.94
20,873,061.76
20,846,890.99
20,820,330.93
20,793,375.79
20,766,019.70
20,738,256.68
20,710,080.68
20,681,485.57
20,652,465.11
20,623,012.97
20,593,122.72
20,562,787.86
20,532,001.77
20,500,757.74
20,469,048.95
20,436,868.49
20,404,209.35
20,371,064.40
20,337,426.42
20,303,288.08
20,268,641.93
20,233,480.42
20,197,795.88
20,161,580.53
20,124,826.48
20,087,525.71
20,049,670.09
20,011,251.38
19,972,261.18
19,932,691.00
19,892,532.22
19,851,776.08
19,810,413.68
19,768,436.03
19,725,833.95
19,682,598.17
19,638,719.26
19,594,187.64
19,548,993.62
19,503,127.34
19,456,578.80
19,409,337.85
19,361,394.19
19,312,737.37
19,263,356.77
19,213,241.64

Scheduled
Payment
$

336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56

Extra
Payment
$

Total
Payment
$ 336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56

Principal
$

23,600.90
23,951.96
24,308.25
24,669.83
25,036.80
25,409.22
25,787.18
26,170.77
26,560.06
26,955.14
27,356.10
27,763.02
28,175.99
28,595.11
29,020.46
29,452.14
29,890.24
30,334.86
30,786.09
31,244.03
31,708.79
32,180.46
32,659.14
33,144.95
33,637.98
34,138.34
34,646.15
35,161.51
35,684.54
36,215.35
36,754.05
37,300.77
37,855.62
38,418.72
38,990.20
39,570.18
40,158.78
40,756.14
41,362.39
41,977.66
42,602.08
43,235.78
43,878.91
44,531.61
45,194.02
45,866.28
46,548.54
47,240.95
47,943.66
48,656.82
49,380.59
50,115.13
50,860.59

Interest
$

313,056.66
312,705.60
312,349.31
311,987.73
311,620.76
311,248.34
310,870.38
310,486.79
310,097.50
309,702.42
309,301.46
308,894.54
308,481.57
308,062.45
307,637.10
307,205.42
306,767.32
306,322.70
305,871.47
305,413.53
304,948.77
304,477.10
303,998.42
303,512.61
303,019.58
302,519.22
302,011.41
301,496.05
300,973.02
300,442.21
299,903.51
299,356.79
298,801.94
298,238.84
297,667.36
297,087.39
296,498.78
295,901.42
295,295.17
294,679.90
294,055.49
293,421.78
292,778.65
292,125.95
291,463.54
290,791.28
290,109.02
289,416.61
288,713.90
288,000.74
287,276.97
286,542.43
285,796.97

Pmt
No.
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120

Payment
Date
7/1/2011
8/1/2011
9/1/2011
10/1/2011
11/1/2011
12/1/2011
1/1/2012
2/1/2012
3/1/2012
4/1/2012
5/1/2012
6/1/2012
7/1/2012
8/1/2012
9/1/2012
10/1/2012
11/1/2012
12/1/2012
1/1/2013
2/1/2013
3/1/2013
4/1/2013
5/1/2013
6/1/2013
7/1/2013
8/1/2013
9/1/2013
10/1/2013
11/1/2013
12/1/2013
1/1/2014
2/1/2014
3/1/2014
4/1/2014
5/1/2014
6/1/2014
7/1/2014
8/1/2014
9/1/2014
10/1/2014
11/1/2014
12/1/2014
1/1/2015
2/1/2015
3/1/2015
4/1/2015
5/1/2015
6/1/2015
7/1/2015
8/1/2015
9/1/2015
10/1/2015
11/1/2015
12/1/2015
1/1/2016
2/1/2016
3/1/2016
4/1/2016
5/1/2016
6/1/2016
7/1/2016
8/1/2016
9/1/2016
10/1/2016
11/1/2016
12/1/2016
1/1/2017

Beginning
Balance
19,162,381.05
19,110,763.91
19,058,378.96
19,005,214.79
18,951,259.80
18,896,502.23
18,840,930.13
18,784,531.41
18,727,293.75
18,669,204.69
18,610,251.54
18,550,421.48
18,489,701.43
18,428,078.18
18,365,538.28
18,302,068.10
18,237,653.81
18,172,281.35
18,105,936.47
18,038,604.71
17,970,271.40
17,900,921.62
17,830,540.27
17,759,112.00
17,686,621.23
17,613,052.16
17,538,388.75
17,462,614.72
17,385,713.55
17,307,668.48
17,228,462.49
17,148,078.30
17,066,498.41
16,983,705.01
16,899,680.06
16,814,405.24
16,727,861.96
16,640,031.34
16,550,894.25
16,460,431.24
16,368,622.59
16,275,448.29
16,180,888.02
16,084,921.17
15,987,526.81
15,888,683.71
15,788,370.32
15,686,564.77
15,583,244.86
15,478,388.07
15,371,971.53
15,263,972.04
15,154,366.07
15,043,129.70
14,930,238.69
14,815,668.43
14,699,393.94
14,581,389.86
14,461,630.48
14,340,089.67
14,216,740.94
14,091,557.40
13,964,511.76
13,835,576.31
13,704,722.95
13,571,923.14
13,437,147.93

Scheduled
Payment
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56

Extra
Payment
-

Total
Payment

Principal

336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56

51,617.14
52,384.95
53,164.17
53,954.99
54,757.57
55,572.09
56,398.73
57,237.66
58,089.07
58,953.14
59,830.07
60,720.04
61,623.25
62,539.90
63,470.18
64,414.30
65,372.46
66,344.88
67,331.76
68,333.32
69,349.77
70,381.35
71,428.27
72,490.77
73,569.07
74,663.41
75,774.03
76,901.17
78,045.07
79,205.99
80,384.18
81,579.90
82,793.40
84,024.95
85,274.82
86,543.28
87,830.61
89,137.09
90,463.01
91,808.65
93,174.30
94,560.27
95,966.85
97,394.36
98,843.10
100,313.39
101,805.55
103,319.91
104,856.79
106,416.54
107,999.48
109,605.98
111,236.37
112,891.01
114,570.26
116,274.49
118,004.08
119,759.39
121,540.81
123,348.73
125,183.54
127,045.64
128,935.45
130,853.36
132,799.81
134,775.20
136,779.99

Interest
285,040.42
284,272.61
283,493.39
282,702.57
281,899.99
281,085.47
280,258.84
279,419.90
278,568.49
277,704.42
276,827.49
275,937.52
275,034.31
274,117.66
273,187.38
272,243.26
271,285.10
270,312.69
269,325.80
268,324.25
267,307.79
266,276.21
265,229.29
264,166.79
263,088.49
261,994.15
260,883.53
259,756.39
258,612.49
257,451.57
256,273.38
255,077.66
253,864.16
252,632.61
251,382.74
250,114.28
248,826.95
247,520.47
246,194.55
244,848.91
243,483.26
242,097.29
240,690.71
239,263.20
237,814.46
236,344.17
234,852.01
233,337.65
231,800.77
230,241.02
228,658.08
227,051.58
225,421.20
223,766.55
222,087.30
220,383.07
218,653.48
216,898.17
215,116.75
213,308.83
211,474.02
209,611.92
207,722.11
205,804.20
203,857.75
201,882.36
199,877.58

Pmt
No.
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187

Payment
Date
2/1/2017
3/1/2017
4/1/2017
5/1/2017
6/1/2017
7/1/2017
8/1/2017
9/1/2017
10/1/2017
11/1/2017
12/1/2017
1/1/2018
2/1/2018
3/1/2018
4/1/2018
5/1/2018
6/1/2018
7/1/2018
8/1/2018
9/1/2018
10/1/2018
11/1/2018
12/1/2018
1/1/2019
2/1/2019
3/1/2019
4/1/2019
5/1/2019
6/1/2019
7/1/2019
8/1/2019
9/1/2019
10/1/2019
11/1/2019
12/1/2019
1/1/2020
2/1/2020
3/1/2020
4/1/2020
5/1/2020
6/1/2020
7/1/2020
8/1/2020
9/1/2020
10/1/2020
11/1/2020
12/1/2020
1/1/2021
2/1/2021
3/1/2021
4/1/2021
5/1/2021
6/1/2021
7/1/2021
8/1/2021
9/1/2021
10/1/2021
11/1/2021
12/1/2021
1/1/2022
2/1/2022
3/1/2022
4/1/2022
5/1/2022
6/1/2022
7/1/2022
8/1/2022

Beginning
Balance
13,300,367.95
13,161,553.36
13,020,673.91
12,877,698.87
12,732,597.08
12,585,336.90
12,435,886.22
12,284,212.47
12,130,282.57
11,974,062.96
11,815,519.59
11,654,617.88
11,491,322.76
11,325,598.63
11,157,409.34
10,986,718.25
10,813,488.12
10,637,681.19
10,459,259.14
10,278,183.06
10,094,413.47
9,907,910.31
9,718,632.91
9,526,540.02
9,331,589.74
9,133,739.58
8,932,946.39
8,729,166.41
8,522,355.20
8,312,467.67
8,099,458.06
7,883,279.94
7,663,886.17
7,441,228.92
7,215,259.64
6,985,929.06
6,753,187.19
6,516,983.29
6,277,265.86
6,033,982.63
5,787,080.56
5,536,505.82
5,282,203.78
5,024,119.00
4,762,195.21
4,496,375.30
4,226,601.33
3,952,814.46
3,674,955.01
3,392,962.41
3,106,775.16
2,816,330.88
2,521,566.24
2,222,416.98
1,918,817.87
1,610,702.73
1,298,004.37
980,654.62
658,584.30
331,723.18
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Scheduled
Payment
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56

Extra
Payment
-

Total
Payment

Principal

336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
331,723.18
0.00
0.00
0.00
0.00
0.00
0.00
0.00

138,814.59
140,879.45
142,975.04
145,101.79
147,260.18
149,450.67
151,673.75
153,929.90
156,219.61
158,543.37
160,901.71
163,295.12
165,724.14
168,189.28
170,691.10
173,230.13
175,806.93
178,422.05
181,076.08
183,769.59
186,503.16
189,277.40
192,092.90
194,950.28
197,850.16
200,793.18
203,779.98
206,811.21
209,887.53
213,009.60
216,178.12
219,393.77
222,657.25
225,969.28
229,330.57
232,741.87
236,203.90
239,717.43
243,283.23
246,902.07
250,574.74
254,302.04
258,084.78
261,923.79
265,819.91
269,773.98
273,786.87
277,859.45
281,992.61
286,187.25
290,444.28
294,764.64
299,149.26
303,599.11
308,115.15
312,698.36
317,349.75
322,070.32
326,861.12
326,788.80
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Interest
197,842.97
195,778.11
193,682.52
191,555.77
189,397.38
187,206.89
184,983.81
182,727.66
180,437.95
178,114.19
175,755.85
173,362.44
170,933.43
168,468.28
165,966.46
163,427.43
160,850.64
158,235.51
155,581.48
152,887.97
150,154.40
147,380.17
144,564.66
141,707.28
138,807.40
135,864.38
132,877.58
129,846.35
126,770.03
123,647.96
120,479.44
117,263.79
114,000.31
110,688.28
107,326.99
103,915.69
100,453.66
96,940.13
93,374.33
89,755.49
86,082.82
82,355.52
78,572.78
74,733.77
70,837.65
66,883.58
62,870.69
58,798.12
54,664.96
50,470.32
46,213.28
41,892.92
37,508.30
33,058.45
28,542.42
23,959.20
19,307.81
14,587.24
9,796.44
4,934.38
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Pmt
No.
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254

Payment
Date
9/1/2022
10/1/2022
11/1/2022
12/1/2022
1/1/2023
2/1/2023
3/1/2023
4/1/2023
5/1/2023
6/1/2023
7/1/2023
8/1/2023
9/1/2023
10/1/2023
11/1/2023
12/1/2023
1/1/2024
2/1/2024
3/1/2024
4/1/2024
5/1/2024
6/1/2024
7/1/2024
8/1/2024
9/1/2024
10/1/2024
11/1/2024
12/1/2024
1/1/2025
2/1/2025
3/1/2025
4/1/2025
5/1/2025
6/1/2025
7/1/2025
8/1/2025
9/1/2025
10/1/2025
11/1/2025
12/1/2025
1/1/2026
2/1/2026
3/1/2026
4/1/2026
5/1/2026
6/1/2026
7/1/2026
8/1/2026
9/1/2026
10/1/2026
11/1/2026
12/1/2026
1/1/2027
2/1/2027
3/1/2027
4/1/2027
5/1/2027
6/1/2027
7/1/2027
8/1/2027
9/1/2027
10/1/2027
11/1/2027
12/1/2027
1/1/2028
2/1/2028
3/1/2028

Beginning
Balance

Scheduled
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56

Extra
Payment
-

Total
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Pmt
No.
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321

Payment
Date
4/1/2028
5/1/2028
6/1/2028
7/1/2028
8/1/2028
9/1/2028
10/1/2028
11/1/2028
12/1/2028
1/1/2029
2/1/2029
3/1/2029
4/1/2029
5/1/2029
6/1/2029
7/1/2029
8/1/2029
9/1/2029
10/1/2029
11/1/2029
12/1/2029
1/1/2030
2/1/2030
3/1/2030
4/1/2030
5/1/2030
6/1/2030
7/1/2030
8/1/2030
9/1/2030
10/1/2030
11/1/2030
12/1/2030
1/1/2031
2/1/2031
3/1/2031
4/1/2031
5/1/2031
6/1/2031
7/1/2031
8/1/2031
9/1/2031
10/1/2031
11/1/2031
12/1/2031
1/1/2032
2/1/2032
3/1/2032
4/1/2032
5/1/2032
6/1/2032
7/1/2032
8/1/2032
9/1/2032
10/1/2032
11/1/2032
12/1/2032
1/1/2033
2/1/2033
3/1/2033
4/1/2033
5/1/2033
6/1/2033
7/1/2033
8/1/2033
9/1/2033
10/1/2033

Beginning
Balance

Scheduled
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56

Extra
Payment
-

Total
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Pmt
No.
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360

Payment
Date
11/1/2033
12/1/2033
1/1/2034
2/1/2034
3/1/2034
4/1/2034
5/1/2034
6/1/2034
7/1/2034
8/1/2034
9/1/2034
10/1/2034
11/1/2034
12/1/2034
1/1/2035
2/1/2035
3/1/2035
4/1/2035
5/1/2035
6/1/2035
7/1/2035
8/1/2035
9/1/2035
10/1/2035
11/1/2035
12/1/2035
1/1/2036
2/1/2036
3/1/2036
4/1/2036
5/1/2036
6/1/2036
7/1/2036
8/1/2036
9/1/2036
10/1/2036
11/1/2036
12/1/2036
1/1/2037

Beginning
Balance

Scheduled
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56
336,657.56

Extra
Payment
-

Total
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Ending
Balance
$ 21,022,225.01
20,998,273.04
20,973,964.79
20,949,294.96
20,924,258.16
20,898,848.94
20,873,061.76
20,846,890.99
20,820,330.93
20,793,375.79
20,766,019.70
20,738,256.68
20,710,080.68
20,681,485.57
20,652,465.11
20,623,012.97
20,593,122.72
20,562,787.86
20,532,001.77
20,500,757.74
20,469,048.95
20,436,868.49
20,404,209.35
20,371,064.40
20,337,426.42
20,303,288.08
20,268,641.93
20,233,480.42
20,197,795.88
20,161,580.53
20,124,826.48
20,087,525.71
20,049,670.09
20,011,251.38
19,972,261.18
19,932,691.00
19,892,532.22
19,851,776.08
19,810,413.68
19,768,436.03
19,725,833.95
19,682,598.17
19,638,719.26
19,594,187.64
19,548,993.62
19,503,127.34
19,456,578.80
19,409,337.85
19,361,394.19
19,312,737.37
19,263,356.77
19,213,241.64
19,162,381.05

Margin NII
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%

Payment No
83,212.97
83,118.16
83,021.94
82,924.29
82,825.19
82,724.61
82,622.54
82,518.94
82,413.81
82,307.11
82,198.83
82,088.93
81,977.40
81,864.21
81,749.34
81,632.76
81,514.44
81,394.37
81,272.51
81,148.83
81,023.32
80,895.94
80,766.66
80,635.46
80,502.31
80,367.18
80,230.04
80,090.86
79,949.61
79,806.26
79,660.77
79,513.12
79,363.28
79,211.20
79,056.87
78,900.24
78,741.27
78,579.95
78,416.22
78,250.06
78,081.43
77,910.28
77,736.60
77,560.33
77,381.43
77,199.88
77,015.62
76,828.63
76,638.85
76,446.25
76,250.79
76,052.41
75,851.09

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53

Ending
Balance
19,110,763.91
19,058,378.96
19,005,214.79
18,951,259.80
18,896,502.23
18,840,930.13
18,784,531.41
18,727,293.75
18,669,204.69
18,610,251.54
18,550,421.48
18,489,701.43
18,428,078.18
18,365,538.28
18,302,068.10
18,237,653.81
18,172,281.35
18,105,936.47
18,038,604.71
17,970,271.40
17,900,921.62
17,830,540.27
17,759,112.00
17,686,621.23
17,613,052.16
17,538,388.75
17,462,614.72
17,385,713.55
17,307,668.48
17,228,462.49
17,148,078.30
17,066,498.41
16,983,705.01
16,899,680.06
16,814,405.24
16,727,861.96
16,640,031.34
16,550,894.25
16,460,431.24
16,368,622.59
16,275,448.29
16,180,888.02
16,084,921.17
15,987,526.81
15,888,683.71
15,788,370.32
15,686,564.77
15,583,244.86
15,478,388.07
15,371,971.53
15,263,972.04
15,154,366.07
15,043,129.70
14,930,238.69
14,815,668.43
14,699,393.94
14,581,389.86
14,461,630.48
14,340,089.67
14,216,740.94
14,091,557.40
13,964,511.76
13,835,576.31
13,704,722.95
13,571,923.14
13,437,147.93
13,300,367.95

Margin NII
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%

75,646.77
75,439.42
75,228.98
75,015.40
74,798.65
74,578.68
74,355.44
74,128.87
73,898.94
73,665.58
73,428.75
73,188.40
72,944.48
72,696.92
72,445.69
72,190.71
71,931.95
71,669.33
71,402.81
71,132.32
70,857.81
70,579.22
70,296.48
70,009.54
69,718.33
69,422.79
69,122.85
68,818.45
68,509.52
68,196.00
67,877.81
67,554.89
67,227.17
66,894.57
66,557.02
66,214.45
65,866.79
65,513.96
65,155.87
64,792.46
64,423.65
64,049.35
63,669.48
63,283.96
62,892.71
62,495.63
62,092.65
61,683.68
61,268.62
60,847.39
60,419.89
59,986.03
59,545.72
59,098.86
58,645.35
7,992,822.48

Payment No
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108

Ending
Balance
13,161,553.36
13,020,673.91
12,877,698.87
12,732,597.08
12,585,336.90
12,435,886.22
12,284,212.47
12,130,282.57
11,974,062.96
11,815,519.59
11,654,617.88
11,491,322.76
11,325,598.63
11,157,409.34
10,986,718.25
10,813,488.12
10,637,681.19
10,459,259.14
10,278,183.06
10,094,413.47
9,907,910.31
9,718,632.91
9,526,540.02
9,331,589.74
9,133,739.58
8,932,946.39
8,729,166.41
8,522,355.20
8,312,467.67
8,099,458.06
7,883,279.94
7,663,886.17
7,441,228.92
7,215,259.64
6,985,929.06
6,753,187.19
6,516,983.29
6,277,265.86
6,033,982.63
5,787,080.56
5,536,505.82
5,282,203.78
5,024,119.00
4,762,195.21
4,496,375.30
4,226,601.33
3,952,814.46
3,674,955.01
3,392,962.41
3,106,775.16
2,816,330.88
2,521,566.24
2,222,416.98
1,918,817.87
1,610,702.73
1,298,004.37
980,654.62
658,584.30
331,723.18
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Margin NII

Payment No

Ending
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Margin NII

Payment No

Ending
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Margin NII

Payment No

Ending
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Margin NII

Payment No

Loan Calculator
Enter Values
Loan Amount
Annual Interest Rate
Loan Period in Years
Number of Payments Per Year
Start Date of Loan
Optional Extra Payments

Loan Summary
Scheduled Payment $
Scheduled Number of Payments
Actual Number of Payments
Total Early Payments $
Total Interest $

KES 32,812,320.88
18.25 %
15
12
1/1/2008

534,329.07
180
180
63,366,911.36

Lender Name:

Pmt
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53

Payment
Date

Beginning
Balance

2/1/2008 $ 32,812,320.88
3/1/2008
32,777,012.52
4/1/2008
32,741,167.19
5/1/2008
32,704,776.71
6/1/2008
32,667,832.78
7/1/2008
32,630,327.01
8/1/2008
32,592,250.83
9/1/2008
32,553,595.57
10/1/2008
32,514,352.44
11/1/2008
32,474,512.48
12/1/2008
32,434,066.62
1/1/2009
32,393,005.65
2/1/2009
32,351,320.21
3/1/2009
32,309,000.80
4/1/2009
32,266,037.79
5/1/2009
32,222,421.38
6/1/2009
32,178,141.64
7/1/2009
32,133,188.47
8/1/2009
32,087,551.65
9/1/2009
32,041,220.76
10/1/2009
31,994,185.26
11/1/2009
31,946,434.42
12/1/2009
31,897,957.38
1/1/2010
31,848,743.08
2/1/2010
31,798,780.31
3/1/2010
31,748,057.70
4/1/2010
31,696,563.67
5/1/2010
31,644,286.51
6/1/2010
31,591,214.30
7/1/2010
31,537,334.95
8/1/2010
31,482,636.18
9/1/2010
31,427,105.54
10/1/2010
31,370,730.37
11/1/2010
31,313,497.83
12/1/2010
31,255,394.87
1/1/2011
31,196,408.27
2/1/2011
31,136,524.57
3/1/2011
31,075,730.15
4/1/2011
31,014,011.15
5/1/2011
30,951,353.50
6/1/2011
30,887,742.93
7/1/2011
30,823,164.95
8/1/2011
30,757,604.85
9/1/2011
30,691,047.69
10/1/2011
30,623,478.31
11/1/2011
30,554,881.30
12/1/2011
30,485,241.06
1/1/2012
30,414,541.70
2/1/2012
30,342,767.12
3/1/2012
30,269,900.96
4/1/2012
30,195,926.64
5/1/2012
30,120,827.29
6/1/2012
30,044,585.80

Scheduled
Payment
$

534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07

Extra
Payment
$

Total
Payment
$ 534,329.07 $
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07

Principal
35,308.35
35,845.34
36,390.48
36,943.92
37,505.78
38,076.18
38,655.25
39,243.14
39,839.96
40,445.86
41,060.97
41,685.44
42,319.41
42,963.01
43,616.41
44,279.74
44,953.16
45,636.83
46,330.89
47,035.50
47,750.83
48,477.04
49,214.30
49,962.77
50,722.62
51,494.02
52,277.16
53,072.21
53,879.35
54,698.77
55,530.64
56,375.17
57,232.54
58,102.96
58,986.60
59,883.69
60,794.42
61,719.01
62,657.65
63,610.57
64,577.98
65,560.10
66,557.16
67,569.38
68,597.00
69,640.25
70,699.36
71,774.58
72,866.15
73,974.32
75,099.35
76,241.49
77,400.99

Interest
$

499,020.71
498,483.73
497,938.58
497,385.15
496,823.29
496,252.89
495,673.81
495,085.93
494,489.11
493,883.21
493,268.10
492,643.63
492,009.66
491,366.05
490,712.66
490,049.33
489,375.90
488,692.24
487,998.18
487,293.57
486,578.23
485,852.02
485,114.77
484,366.30
483,606.45
482,835.04
482,051.91
481,256.86
480,449.72
479,630.30
478,798.43
477,953.90
477,096.52
476,226.11
475,342.46
474,445.38
473,534.64
472,610.06
471,671.42
470,718.50
469,751.09
468,768.97
467,771.91
466,759.68
465,732.07
464,688.82
463,629.71
462,554.49
461,462.92
460,354.74
459,229.72
458,087.58
456,928.08

Pmt
No.
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120

Payment
Date
7/1/2012
8/1/2012
9/1/2012
10/1/2012
11/1/2012
12/1/2012
1/1/2013
2/1/2013
3/1/2013
4/1/2013
5/1/2013
6/1/2013
7/1/2013
8/1/2013
9/1/2013
10/1/2013
11/1/2013
12/1/2013
1/1/2014
2/1/2014
3/1/2014
4/1/2014
5/1/2014
6/1/2014
7/1/2014
8/1/2014
9/1/2014
10/1/2014
11/1/2014
12/1/2014
1/1/2015
2/1/2015
3/1/2015
4/1/2015
5/1/2015
6/1/2015
7/1/2015
8/1/2015
9/1/2015
10/1/2015
11/1/2015
12/1/2015
1/1/2016
2/1/2016
3/1/2016
4/1/2016
5/1/2016
6/1/2016
7/1/2016
8/1/2016
9/1/2016
10/1/2016
11/1/2016
12/1/2016
1/1/2017
2/1/2017
3/1/2017
4/1/2017
5/1/2017
6/1/2017
7/1/2017
8/1/2017
9/1/2017
10/1/2017
11/1/2017
12/1/2017
1/1/2018

Beginning
Balance
29,967,184.81
29,888,606.68
29,808,833.50
29,727,847.11
29,645,629.05
29,562,160.59
29,477,422.72
29,391,396.12
29,304,061.20
29,215,398.06
29,125,386.51
29,034,006.03
28,941,235.80
28,847,054.69
28,751,441.25
28,654,373.68
28,555,829.88
28,455,787.39
28,354,223.43
28,251,114.84
28,146,438.14
28,040,169.49
27,932,284.66
27,822,759.09
27,711,567.82
27,598,685.51
27,484,086.45
27,367,744.53
27,249,633.25
27,129,725.68
27,007,994.53
26,884,412.04
26,758,950.07
26,631,580.04
26,502,272.92
26,370,999.25
26,237,729.13
26,102,432.19
25,965,077.61
25,825,634.10
25,684,069.88
25,540,352.71
25,394,449.84
25,246,328.03
25,095,953.53
24,943,292.09
24,788,308.93
24,630,968.72
24,471,235.64
24,309,073.28
24,144,444.70
23,977,312.39
23,807,638.29
23,635,383.72
23,460,509.44
23,282,975.62
23,102,741.81
22,919,766.94
22,734,009.33
22,545,426.65
22,353,975.95
22,159,613.60
21,962,295.32
21,761,976.16
21,558,610.48
21,352,151.94
21,142,553.52

Scheduled
Payment
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07

Extra
Payment
-

Total
Payment

Principal

534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07

78,578.13
79,773.17
80,986.39
82,218.06
83,468.46
84,737.88
86,026.60
87,334.92
88,663.14
90,011.56
91,380.48
92,770.23
94,181.11
95,613.44
97,067.57
98,543.80
100,042.49
101,563.97
103,108.59
104,676.70
106,268.65
107,884.82
109,525.57
111,191.27
112,882.31
114,599.06
116,341.92
118,111.29
119,907.56
121,731.16
123,582.48
125,461.97
127,370.04
129,307.12
131,273.67
133,270.12
135,296.94
137,354.58
139,443.51
141,564.22
143,717.17
145,902.87
148,121.81
150,374.50
152,661.44
154,983.17
157,340.20
159,733.09
162,162.36
164,628.58
167,132.30
169,674.11
172,254.57
174,874.27
177,533.82
180,233.81
182,974.87
185,757.61
188,582.68
191,450.70
194,362.35
197,318.28
200,319.16
203,365.68
206,458.53
209,598.42
212,786.07

Interest
455,750.94
454,555.89
453,342.68
452,111.01
450,860.61
449,591.19
448,302.47
446,994.15
445,665.93
444,317.51
442,948.59
441,558.84
440,147.96
438,715.62
437,261.50
435,785.27
434,286.58
432,765.10
431,220.48
429,652.37
428,060.41
426,444.24
424,803.50
423,137.79
421,446.76
419,730.01
417,987.15
416,217.78
414,421.51
412,597.91
410,746.58
408,867.10
406,959.03
405,021.95
403,055.40
401,058.95
399,032.13
396,974.49
394,885.56
392,764.85
390,611.90
388,426.20
386,207.26
383,954.57
381,667.63
379,345.90
376,988.86
374,595.98
372,166.71
369,700.49
367,196.76
364,654.96
362,074.50
359,454.79
356,795.25
354,095.25
351,354.20
348,571.46
345,746.39
342,878.36
339,966.72
337,010.79
334,009.91
330,963.39
327,870.53
324,730.64
321,543.00

Pmt
No.
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187

Payment
Date
2/1/2018
3/1/2018
4/1/2018
5/1/2018
6/1/2018
7/1/2018
8/1/2018
9/1/2018
10/1/2018
11/1/2018
12/1/2018
1/1/2019
2/1/2019
3/1/2019
4/1/2019
5/1/2019
6/1/2019
7/1/2019
8/1/2019
9/1/2019
10/1/2019
11/1/2019
12/1/2019
1/1/2020
2/1/2020
3/1/2020
4/1/2020
5/1/2020
6/1/2020
7/1/2020
8/1/2020
9/1/2020
10/1/2020
11/1/2020
12/1/2020
1/1/2021
2/1/2021
3/1/2021
4/1/2021
5/1/2021
6/1/2021
7/1/2021
8/1/2021
9/1/2021
10/1/2021
11/1/2021
12/1/2021
1/1/2022
2/1/2022
3/1/2022
4/1/2022
5/1/2022
6/1/2022
7/1/2022
8/1/2022
9/1/2022
10/1/2022
11/1/2022
12/1/2022
1/1/2023
2/1/2023
3/1/2023
4/1/2023
5/1/2023
6/1/2023
7/1/2023
8/1/2023

Beginning
Balance
20,929,767.45
20,713,745.27
20,494,437.74
20,271,794.91
20,045,766.06
19,816,299.68
19,583,343.51
19,346,844.45
19,106,748.65
18,863,001.38
18,615,547.12
18,364,329.50
18,109,291.28
17,850,374.35
17,587,519.72
17,320,667.52
17,049,756.94
16,774,726.25
16,495,512.81
16,212,053.00
15,924,282.24
15,632,134.97
15,335,544.62
15,034,443.62
14,728,763.39
14,418,434.26
14,103,385.55
13,783,545.47
13,458,841.15
13,129,198.63
12,794,542.79
12,454,797.39
12,109,885.04
11,759,727.14
11,404,243.92
11,043,354.39
10,676,976.34
10,305,026.29
9,927,419.49
9,544,069.93
9,154,890.26
8,759,791.82
8,358,684.58
7,951,477.17
7,538,076.82
7,118,389.34
6,692,319.11
6,259,769.06
5,820,640.65
5,374,833.82
4,922,247.02
4,462,777.12
3,996,319.46
3,522,767.75
3,042,014.11
2,553,949.00
2,058,461.24
1,555,437.94
1,044,764.49
526,324.55
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Scheduled
Payment
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07

Extra
Payment
-

Total
Payment

Principal

534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
526,324.55
0.00
0.00
0.00
0.00
0.00
0.00
0.00

216,022.19
219,307.53
222,642.83
226,028.85
229,466.38
232,956.18
236,499.05
240,095.81
243,747.27
247,454.26
251,217.62
255,038.22
258,916.93
262,854.62
266,852.21
270,910.58
275,030.68
279,213.44
283,459.81
287,770.76
292,147.28
296,590.35
301,100.99
305,680.24
310,329.12
315,048.71
319,840.08
324,704.31
329,642.53
334,655.84
339,745.40
344,912.36
350,157.90
355,483.22
360,889.53
366,378.05
371,950.05
377,606.79
383,349.56
389,179.67
395,098.45
401,107.23
407,207.41
413,400.35
419,687.48
426,070.23
432,550.05
439,128.41
445,806.82
452,586.80
459,469.89
466,457.67
473,551.71
480,753.64
488,065.10
495,487.76
503,023.30
510,673.45
518,439.94
518,320.03
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Interest
318,306.88
315,021.54
311,686.24
308,300.21
304,862.69
301,372.89
297,830.02
294,233.26
290,581.80
286,874.81
283,111.45
279,290.84
275,412.14
271,474.44
267,476.86
263,418.49
259,298.39
255,115.63
250,869.26
246,558.31
242,181.79
237,738.72
233,228.07
228,648.83
223,999.94
219,280.35
214,488.99
209,624.75
204,686.54
199,673.23
194,583.67
189,416.71
184,171.17
178,845.85
173,439.54
167,951.01
162,379.02
156,722.27
150,979.50
145,149.40
139,230.62
133,221.83
127,121.66
120,928.72
114,641.58
108,258.84
101,779.02
95,200.65
88,522.24
81,742.26
74,859.17
67,871.40
60,777.36
53,575.43
46,263.96
38,841.31
31,305.76
23,655.62
15,889.13
8,004.52
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Pmt
No.
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254

Payment
Date
9/1/2023
10/1/2023
11/1/2023
12/1/2023
1/1/2024
2/1/2024
3/1/2024
4/1/2024
5/1/2024
6/1/2024
7/1/2024
8/1/2024
9/1/2024
10/1/2024
11/1/2024
12/1/2024
1/1/2025
2/1/2025
3/1/2025
4/1/2025
5/1/2025
6/1/2025
7/1/2025
8/1/2025
9/1/2025
10/1/2025
11/1/2025
12/1/2025
1/1/2026
2/1/2026
3/1/2026
4/1/2026
5/1/2026
6/1/2026
7/1/2026
8/1/2026
9/1/2026
10/1/2026
11/1/2026
12/1/2026
1/1/2027
2/1/2027
3/1/2027
4/1/2027
5/1/2027
6/1/2027
7/1/2027
8/1/2027
9/1/2027
10/1/2027
11/1/2027
12/1/2027
1/1/2028
2/1/2028
3/1/2028
4/1/2028
5/1/2028
6/1/2028
7/1/2028
8/1/2028
9/1/2028
10/1/2028
11/1/2028
12/1/2028
1/1/2029
2/1/2029
3/1/2029

Beginning
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Scheduled
Payment
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07

Extra
Payment
-

Total
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Pmt
No.
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321

Payment
Date
4/1/2029
5/1/2029
6/1/2029
7/1/2029
8/1/2029
9/1/2029
10/1/2029
11/1/2029
12/1/2029
1/1/2030
2/1/2030
3/1/2030
4/1/2030
5/1/2030
6/1/2030
7/1/2030
8/1/2030
9/1/2030
10/1/2030
11/1/2030
12/1/2030
1/1/2031
2/1/2031
3/1/2031
4/1/2031
5/1/2031
6/1/2031
7/1/2031
8/1/2031
9/1/2031
10/1/2031
11/1/2031
12/1/2031
1/1/2032
2/1/2032
3/1/2032
4/1/2032
5/1/2032
6/1/2032
7/1/2032
8/1/2032
9/1/2032
10/1/2032
11/1/2032
12/1/2032
1/1/2033
2/1/2033
3/1/2033
4/1/2033
5/1/2033
6/1/2033
7/1/2033
8/1/2033
9/1/2033
10/1/2033
11/1/2033
12/1/2033
1/1/2034
2/1/2034
3/1/2034
4/1/2034
5/1/2034
6/1/2034
7/1/2034
8/1/2034
9/1/2034
10/1/2034

Beginning
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Scheduled
Payment
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07

Extra
Payment
-

Total
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Pmt
No.
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360

Payment
Date
11/1/2034
12/1/2034
1/1/2035
2/1/2035
3/1/2035
4/1/2035
5/1/2035
6/1/2035
7/1/2035
8/1/2035
9/1/2035
10/1/2035
11/1/2035
12/1/2035
1/1/2036
2/1/2036
3/1/2036
4/1/2036
5/1/2036
6/1/2036
7/1/2036
8/1/2036
9/1/2036
10/1/2036
11/1/2036
12/1/2036
1/1/2037
2/1/2037
3/1/2037
4/1/2037
5/1/2037
6/1/2037
7/1/2037
8/1/2037
9/1/2037
10/1/2037
11/1/2037
12/1/2037
1/1/2038

Beginning
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Scheduled
Payment
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07
534,329.07

Extra
Payment
-

Total
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Ending
Balance
$ 32,777,012.52
32,741,167.19
32,704,776.71
32,667,832.78
32,630,327.01
32,592,250.83
32,553,595.57
32,514,352.44
32,474,512.48
32,434,066.62
32,393,005.65
32,351,320.21
32,309,000.80
32,266,037.79
32,222,421.38
32,178,141.64
32,133,188.47
32,087,551.65
32,041,220.76
31,994,185.26
31,946,434.42
31,897,957.38
31,848,743.08
31,798,780.31
31,748,057.70
31,696,563.67
31,644,286.51
31,591,214.30
31,537,334.95
31,482,636.18
31,427,105.54
31,370,730.37
31,313,497.83
31,255,394.87
31,196,408.27
31,136,524.57
31,075,730.15
31,014,011.15
30,951,353.50
30,887,742.93
30,823,164.95
30,757,604.85
30,691,047.69
30,623,478.31
30,554,881.30
30,485,241.06
30,414,541.70
30,342,767.12
30,269,900.96
30,195,926.64
30,120,827.29
30,044,585.80
29,967,184.81

Margin NII
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%

Payment No
129,742.34
129,600.45
129,456.41
129,310.17
129,161.71
129,010.99
128,857.98
128,702.65
128,544.95
128,384.85
128,222.31
128,057.31
127,889.79
127,719.73
127,547.08
127,371.81
127,193.87
127,013.23
126,829.83
126,643.65
126,454.64
126,262.75
126,067.94
125,870.17
125,669.40
125,465.56
125,258.63
125,048.56
124,835.28
124,618.77
124,398.96
124,175.81
123,949.26
123,719.27
123,485.78
123,248.74
123,008.10
122,763.79
122,515.77
122,263.98
122,008.36
121,748.85
121,485.40
121,217.93
120,946.41
120,670.75
120,390.89
120,106.79
119,818.36
119,525.54
119,228.27
118,926.49
118,620.11

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53

Ending
Balance
29,888,606.68
29,808,833.50
29,727,847.11
29,645,629.05
29,562,160.59
29,477,422.72
29,391,396.12
29,304,061.20
29,215,398.06
29,125,386.51
29,034,006.03
28,941,235.80
28,847,054.69
28,751,441.25
28,654,373.68
28,555,829.88
28,455,787.39
28,354,223.43
28,251,114.84
28,146,438.14
28,040,169.49
27,932,284.66
27,822,759.09
27,711,567.82
27,598,685.51
27,484,086.45
27,367,744.53
27,249,633.25
27,129,725.68
27,007,994.53
26,884,412.04
26,758,950.07
26,631,580.04
26,502,272.92
26,370,999.25
26,237,729.13
26,102,432.19
25,965,077.61
25,825,634.10
25,684,069.88
25,540,352.71
25,394,449.84
25,246,328.03
25,095,953.53
24,943,292.09
24,788,308.93
24,630,968.72
24,471,235.64
24,309,073.28
24,144,444.70
23,977,312.39
23,807,638.29
23,635,383.72
23,460,509.44
23,282,975.62
23,102,741.81
22,919,766.94
22,734,009.33
22,545,426.65
22,353,975.95
22,159,613.60
21,962,295.32
21,761,976.16
21,558,610.48
21,352,151.94
21,142,553.52
20,929,767.45

Margin NII
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%

118,309.07
117,993.30
117,672.73
117,347.28
117,016.89
116,681.46
116,340.94
115,995.24
115,644.28
115,287.99
114,926.27
114,559.06
114,186.26
113,807.79
113,423.56
113,033.49
112,637.49
112,235.47
111,827.33
111,412.98
110,992.34
110,565.29
110,131.75
109,691.62
109,244.80
108,791.18
108,330.66
107,863.13
107,388.50
106,906.64
106,417.46
105,920.84
105,416.67
104,904.83
104,385.21
103,857.68
103,322.13
102,778.43
102,226.47
101,666.11
101,097.23
100,519.70
99,933.38
99,338.15
98,733.86
98,120.39
97,497.58
96,865.31
96,223.42
95,571.76
94,910.19
94,238.57
93,556.73
92,864.52
92,161.78
12,501,809.64

Payment No
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108

Ending
Balance
20,713,745.27
20,494,437.74
20,271,794.91
20,045,766.06
19,816,299.68
19,583,343.51
19,346,844.45
19,106,748.65
18,863,001.38
18,615,547.12
18,364,329.50
18,109,291.28
17,850,374.35
17,587,519.72
17,320,667.52
17,049,756.94
16,774,726.25
16,495,512.81
16,212,053.00
15,924,282.24
15,632,134.97
15,335,544.62
15,034,443.62
14,728,763.39
14,418,434.26
14,103,385.55
13,783,545.47
13,458,841.15
13,129,198.63
12,794,542.79
12,454,797.39
12,109,885.04
11,759,727.14
11,404,243.92
11,043,354.39
10,676,976.34
10,305,026.29
9,927,419.49
9,544,069.93
9,154,890.26
8,759,791.82
8,358,684.58
7,951,477.17
7,538,076.82
7,118,389.34
6,692,319.11
6,259,769.06
5,820,640.65
5,374,833.82
4,922,247.02
4,462,777.12
3,996,319.46
3,522,767.75
3,042,014.11
2,553,949.00
2,058,461.24
1,555,437.94
1,044,764.49
526,324.55
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Margin NII

Payment No

Ending
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Margin NII

Payment No

Ending
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Margin NII

Payment No

Ending
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Margin NII

Payment No

Loan Calculator
Enter Values
Loan Amount
Annual Interest Rate
Loan Period in Years
Number of Payments Per Year
Start Date of Loan
Optional Extra Payments

Loan Summary
Scheduled Payment $
Scheduled Number of Payments
Actual Number of Payments
Total Early Payments $
Total Interest $

KES 45,458,481.25
18.45 %
15
12
1/1/2009

746,838.17
180
180
88,972,388.62

Lender Name:

Pmt
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53

Payment
Date
2/1/2009
3/1/2009
4/1/2009
5/1/2009
6/1/2009
7/1/2009
8/1/2009
9/1/2009
10/1/2009
11/1/2009
12/1/2009
1/1/2010
2/1/2010
3/1/2010
4/1/2010
5/1/2010
6/1/2010
7/1/2010
8/1/2010
9/1/2010
10/1/2010
11/1/2010
12/1/2010
1/1/2011
2/1/2011
3/1/2011
4/1/2011
5/1/2011
6/1/2011
7/1/2011
8/1/2011
9/1/2011
10/1/2011
11/1/2011
12/1/2011
1/1/2012
2/1/2012
3/1/2012
4/1/2012
5/1/2012
6/1/2012
7/1/2012
8/1/2012
9/1/2012
10/1/2012
11/1/2012
12/1/2012
1/1/2013
2/1/2013
3/1/2013
4/1/2013
5/1/2013
6/1/2013

Beginning
Balance
45,458,481.25
45,410,567.23
45,361,916.54
45,312,517.84
45,262,359.64
45,211,430.25
45,159,717.82
45,107,210.32
45,053,895.51
44,999,760.99
44,944,794.15
44,888,982.19
44,832,312.13
44,774,770.76
44,716,344.70
44,657,020.33
44,596,783.85
44,535,621.24
44,473,518.25
44,410,460.42
44,346,433.09
44,281,421.33
44,215,410.02
44,148,383.78
44,080,327.01
44,011,223.88
43,941,058.28
43,869,813.88
43,797,474.11
43,724,022.10
43,649,440.78
43,573,712.76
43,496,820.43
43,418,745.88
43,339,470.93
43,258,977.13
43,177,245.74
43,094,257.73
43,009,993.77
42,924,434.26
42,837,559.27
42,749,348.58
42,659,781.65
42,568,837.62
42,476,495.34
42,382,733.29
42,287,529.65
42,190,862.25
42,092,708.59
41,993,045.82
41,891,850.73
41,789,099.77
41,684,769.01

Scheduled
Payment
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17

Extra
Payment
-

Total
Payment

Principal

746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17

47,914.02
48,650.69
49,398.70
50,158.20
50,929.39
51,712.43
52,507.50
53,314.81
54,134.52
54,966.84
55,811.96
56,670.06
57,541.37
58,426.07
59,324.37
60,236.48
61,162.61
62,102.99
63,057.82
64,027.34
65,011.76
66,011.31
67,026.24
68,056.77
69,103.14
70,165.60
71,244.39
72,339.78
73,452.00
74,581.33
75,728.01
76,892.33
78,074.55
79,274.95
80,493.80
81,731.39
82,988.01
84,263.95
85,559.51
86,874.99
88,210.69
89,566.93
90,944.02
92,342.29
93,762.05
95,203.64
96,667.40
98,153.66
99,662.77
101,195.09
102,750.96
104,330.76
105,934.84

Interest
698,924.15
698,187.47
697,439.47
696,679.96
695,908.78
695,125.74
694,330.66
693,523.36
692,703.64
691,871.33
691,026.21
690,168.10
689,296.80
688,412.10
687,513.80
686,601.69
685,675.55
684,735.18
683,780.34
682,810.83
681,826.41
680,826.85
679,811.93
678,781.40
677,735.03
676,672.57
675,593.77
674,498.39
673,386.16
672,256.84
671,110.15
669,945.83
668,763.61
667,563.22
666,344.37
665,106.77
663,850.15
662,574.21
661,278.65
659,963.18
658,627.47
657,271.23
655,894.14
654,495.88
653,076.12
651,634.52
650,170.77
648,684.51
647,175.39
645,643.08
644,087.20
642,507.41
640,903.32

Pmt
No.
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120

Payment
Date
7/1/2013
8/1/2013
9/1/2013
10/1/2013
11/1/2013
12/1/2013
1/1/2014
2/1/2014
3/1/2014
4/1/2014
5/1/2014
6/1/2014
7/1/2014
8/1/2014
9/1/2014
10/1/2014
11/1/2014
12/1/2014
1/1/2015
2/1/2015
3/1/2015
4/1/2015
5/1/2015
6/1/2015
7/1/2015
8/1/2015
9/1/2015
10/1/2015
11/1/2015
12/1/2015
1/1/2016
2/1/2016
3/1/2016
4/1/2016
5/1/2016
6/1/2016
7/1/2016
8/1/2016
9/1/2016
10/1/2016
11/1/2016
12/1/2016
1/1/2017
2/1/2017
3/1/2017
4/1/2017
5/1/2017
6/1/2017
7/1/2017
8/1/2017
9/1/2017
10/1/2017
11/1/2017
12/1/2017
1/1/2018
2/1/2018
3/1/2018
4/1/2018
5/1/2018
6/1/2018
7/1/2018
8/1/2018
9/1/2018
10/1/2018
11/1/2018
12/1/2018
1/1/2019

Beginning
Balance
41,578,834.17
41,471,270.58
41,362,053.20
41,251,156.60
41,138,554.97
41,024,222.08
40,908,131.33
40,790,255.69
40,670,567.70
40,549,039.51
40,425,642.83
40,300,348.92
40,173,128.62
40,043,952.31
39,912,789.91
39,779,610.89
39,644,384.24
39,507,078.48
39,367,661.65
39,226,101.28
39,082,364.42
38,936,417.61
38,788,226.86
38,637,757.68
38,484,975.04
38,329,843.37
38,172,326.54
38,012,387.90
37,849,990.20
37,685,095.63
37,517,665.81
37,347,661.75
37,175,043.89
36,999,772.02
36,821,805.35
36,641,102.44
36,457,621.23
36,271,318.99
36,082,152.35
35,890,077.28
35,695,049.05
35,497,022.26
35,295,950.81
35,091,787.89
34,884,485.96
34,673,996.77
34,460,271.30
34,243,259.81
34,022,911.76
33,799,175.87
33,572,000.03
33,341,331.36
33,107,116.17
32,869,299.91
32,627,827.23
32,382,641.91
32,133,686.86
31,880,904.13
31,624,234.87
31,363,619.31
31,098,996.79
30,830,305.70
30,557,483.49
30,280,466.63
29,999,190.64
29,713,590.03
29,423,598.31

Scheduled
Payment
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17

Extra
Payment
-

Total
Payment

Principal

746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17

107,563.59
109,217.38
110,896.60
112,601.63
114,332.88
116,090.75
117,875.65
119,687.98
121,528.19
123,396.68
125,293.91
127,220.30
129,176.31
131,162.40
133,179.02
135,226.65
137,305.76
139,416.83
141,560.37
143,736.86
145,946.81
148,190.75
150,469.18
152,782.64
155,131.67
157,516.82
159,938.65
162,397.70
164,894.57
167,429.82
170,004.05
172,617.87
175,271.87
177,966.67
180,702.91
183,481.22
186,302.24
189,166.64
192,075.07
195,028.23
198,026.79
201,071.45
204,162.92
207,301.93
210,489.19
213,725.47
217,011.49
220,348.05
223,735.90
227,175.84
230,668.67
234,215.20
237,816.25
241,472.68
245,185.32
248,955.05
252,782.73
256,669.26
260,615.55
264,622.52
268,691.09
272,822.22
277,016.86
281,275.99
285,600.61
289,991.72
294,450.34

Interest
639,274.58
637,620.79
635,941.57
634,236.53
632,505.28
630,747.41
628,962.52
627,150.18
625,309.98
623,441.48
621,544.26
619,617.86
617,661.85
615,675.77
613,659.14
611,611.52
609,532.41
607,421.33
605,277.80
603,101.31
600,891.35
598,647.42
596,368.99
594,055.52
591,706.49
589,321.34
586,899.52
584,440.46
581,943.60
579,408.35
576,834.11
574,220.30
571,566.30
568,871.49
566,135.26
563,356.95
560,535.93
557,671.53
554,763.09
551,809.94
548,811.38
545,766.72
542,675.24
539,536.24
536,348.97
533,112.70
529,826.67
526,490.12
523,102.27
519,662.33
516,169.50
512,622.97
509,021.91
505,365.49
501,652.84
497,883.12
494,055.44
490,168.90
486,222.61
482,215.65
478,147.08
474,015.95
469,821.31
465,562.17
461,237.56
456,846.45
452,387.82

Pmt
No.
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187

Payment
Date
2/1/2019
3/1/2019
4/1/2019
5/1/2019
6/1/2019
7/1/2019
8/1/2019
9/1/2019
10/1/2019
11/1/2019
12/1/2019
1/1/2020
2/1/2020
3/1/2020
4/1/2020
5/1/2020
6/1/2020
7/1/2020
8/1/2020
9/1/2020
10/1/2020
11/1/2020
12/1/2020
1/1/2021
2/1/2021
3/1/2021
4/1/2021
5/1/2021
6/1/2021
7/1/2021
8/1/2021
9/1/2021
10/1/2021
11/1/2021
12/1/2021
1/1/2022
2/1/2022
3/1/2022
4/1/2022
5/1/2022
6/1/2022
7/1/2022
8/1/2022
9/1/2022
10/1/2022
11/1/2022
12/1/2022
1/1/2023
2/1/2023
3/1/2023
4/1/2023
5/1/2023
6/1/2023
7/1/2023
8/1/2023
9/1/2023
10/1/2023
11/1/2023
12/1/2023
1/1/2024
2/1/2024
3/1/2024
4/1/2024
5/1/2024
6/1/2024
7/1/2024
8/1/2024

Beginning
Balance
29,129,147.97
28,830,170.45
28,526,596.16
28,218,354.41
27,905,373.44
27,587,580.39
27,264,901.27
26,937,260.96
26,604,583.19
26,266,790.49
25,923,804.22
25,575,544.55
25,221,930.38
24,862,879.39
24,498,308.00
24,128,131.32
23,752,263.17
23,370,616.05
22,983,101.11
22,589,628.12
22,190,105.49
21,784,440.19
21,372,537.80
20,954,302.40
20,529,636.63
20,098,441.63
19,660,617.00
19,216,060.82
18,764,669.59
18,306,338.22
17,840,960.01
17,368,426.60
16,888,627.99
16,401,452.48
15,906,786.65
15,404,515.33
14,894,521.58
14,376,686.69
13,850,890.08
13,317,009.35
12,774,920.20
12,224,496.43
11,665,609.90
11,098,130.49
10,521,926.08
9,936,862.52
9,342,803.62
8,739,611.06
8,127,144.41
7,505,261.09
6,873,816.32
6,232,663.08
5,581,652.10
4,920,631.84
4,249,448.39
3,567,945.49
2,875,964.49
2,173,344.28
1,459,921.28
735,529.40
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Scheduled
Payment
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17

Extra
Payment
-

Total
Payment

Principal

746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
735,529.40
0.00
0.00
0.00
0.00
0.00
0.00
0.00

298,977.52
303,574.30
308,241.75
312,980.97
317,793.05
322,679.12
327,640.31
332,677.78
337,792.70
342,986.26
348,259.68
353,614.17
359,050.99
364,571.40
370,176.68
375,868.15
381,647.12
387,514.94
393,472.99
399,522.63
405,665.29
411,902.40
418,235.40
424,665.77
431,195.00
437,824.63
444,556.18
451,391.23
458,331.37
465,378.22
472,533.41
479,798.61
487,175.51
494,665.83
502,271.32
509,993.74
517,834.90
525,796.61
533,880.73
542,089.15
550,423.77
558,886.53
567,479.41
576,204.41
585,063.55
594,058.90
603,192.56
612,466.65
621,883.32
631,444.78
641,153.24
651,010.97
661,020.26
671,183.45
681,502.90
691,981.00
702,620.21
713,423.00
724,391.88
724,220.64
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Interest
447,860.65
443,263.87
438,596.42
433,857.20
429,045.12
424,159.05
419,197.86
414,160.39
409,045.47
403,851.90
398,578.49
393,224.00
387,787.18
382,266.77
376,661.49
370,970.02
365,191.05
359,323.22
353,365.18
347,315.53
341,172.87
334,935.77
328,602.77
322,172.40
315,643.16
309,013.54
302,281.99
295,446.94
288,506.79
281,459.95
274,304.76
267,039.56
259,662.66
252,172.33
244,566.84
236,844.42
229,003.27
221,041.56
212,957.43
204,749.02
196,414.40
187,951.63
179,358.75
170,633.76
161,774.61
152,779.26
143,645.61
134,371.52
124,954.85
115,393.39
105,684.93
95,827.19
85,817.90
75,654.71
65,335.27
54,857.16
44,217.95
33,415.17
22,446.29
11,308.76
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Pmt
No.
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254

Payment
Date
9/1/2024
10/1/2024
11/1/2024
12/1/2024
1/1/2025
2/1/2025
3/1/2025
4/1/2025
5/1/2025
6/1/2025
7/1/2025
8/1/2025
9/1/2025
10/1/2025
11/1/2025
12/1/2025
1/1/2026
2/1/2026
3/1/2026
4/1/2026
5/1/2026
6/1/2026
7/1/2026
8/1/2026
9/1/2026
10/1/2026
11/1/2026
12/1/2026
1/1/2027
2/1/2027
3/1/2027
4/1/2027
5/1/2027
6/1/2027
7/1/2027
8/1/2027
9/1/2027
10/1/2027
11/1/2027
12/1/2027
1/1/2028
2/1/2028
3/1/2028
4/1/2028
5/1/2028
6/1/2028
7/1/2028
8/1/2028
9/1/2028
10/1/2028
11/1/2028
12/1/2028
1/1/2029
2/1/2029
3/1/2029
4/1/2029
5/1/2029
6/1/2029
7/1/2029
8/1/2029
9/1/2029
10/1/2029
11/1/2029
12/1/2029
1/1/2030
2/1/2030
3/1/2030

Beginning
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Scheduled
Payment
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17

Extra
Payment
-

Total
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Pmt
No.
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321

Payment
Date
4/1/2030
5/1/2030
6/1/2030
7/1/2030
8/1/2030
9/1/2030
10/1/2030
11/1/2030
12/1/2030
1/1/2031
2/1/2031
3/1/2031
4/1/2031
5/1/2031
6/1/2031
7/1/2031
8/1/2031
9/1/2031
10/1/2031
11/1/2031
12/1/2031
1/1/2032
2/1/2032
3/1/2032
4/1/2032
5/1/2032
6/1/2032
7/1/2032
8/1/2032
9/1/2032
10/1/2032
11/1/2032
12/1/2032
1/1/2033
2/1/2033
3/1/2033
4/1/2033
5/1/2033
6/1/2033
7/1/2033
8/1/2033
9/1/2033
10/1/2033
11/1/2033
12/1/2033
1/1/2034
2/1/2034
3/1/2034
4/1/2034
5/1/2034
6/1/2034
7/1/2034
8/1/2034
9/1/2034
10/1/2034
11/1/2034
12/1/2034
1/1/2035
2/1/2035
3/1/2035
4/1/2035
5/1/2035
6/1/2035
7/1/2035
8/1/2035
9/1/2035
10/1/2035

Beginning
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Scheduled
Payment
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17

Extra
Payment
-

Total
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Pmt
No.
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360

Payment
Date
11/1/2035
12/1/2035
1/1/2036
2/1/2036
3/1/2036
4/1/2036
5/1/2036
6/1/2036
7/1/2036
8/1/2036
9/1/2036
10/1/2036
11/1/2036
12/1/2036
1/1/2037
2/1/2037
3/1/2037
4/1/2037
5/1/2037
6/1/2037
7/1/2037
8/1/2037
9/1/2037
10/1/2037
11/1/2037
12/1/2037
1/1/2038
2/1/2038
3/1/2038
4/1/2038
5/1/2038
6/1/2038
7/1/2038
8/1/2038
9/1/2038
10/1/2038
11/1/2038
12/1/2038
1/1/2039

Beginning
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Scheduled
Payment
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17
746,838.17

Extra
Payment
-

Total
Payment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Principal
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Ending
Balance
45,410,567.23
45,361,916.54
45,312,517.84
45,262,359.64
45,211,430.25
45,159,717.82
45,107,210.32
45,053,895.51
44,999,760.99
44,944,794.15
44,888,982.19
44,832,312.13
44,774,770.76
44,716,344.70
44,657,020.33
44,596,783.85
44,535,621.24
44,473,518.25
44,410,460.42
44,346,433.09
44,281,421.33
44,215,410.02
44,148,383.78
44,080,327.01
44,011,223.88
43,941,058.28
43,869,813.88
43,797,474.11
43,724,022.10
43,649,440.78
43,573,712.76
43,496,820.43
43,418,745.88
43,339,470.93
43,258,977.13
43,177,245.74
43,094,257.73
43,009,993.77
42,924,434.26
42,837,559.27
42,749,348.58
42,659,781.65
42,568,837.62
42,476,495.34
42,382,733.29
42,287,529.65
42,190,862.25
42,092,708.59
41,993,045.82
41,891,850.73
41,789,099.77
41,684,769.01
41,578,834.17

Margin NII
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%

Payment No
179,750.16
179,557.59
179,362.05
179,163.51
178,961.91
178,757.22
178,549.37
178,338.34
178,124.05
177,906.48
177,685.55
177,461.24
177,233.47
177,002.20
176,767.37
176,528.94
176,286.83
176,041.01
175,791.41
175,537.96
175,280.63
175,019.33
174,754.02
174,484.63
174,211.09
173,933.36
173,651.35
173,365.00
173,074.25
172,779.04
172,479.28
172,174.91
171,865.87
171,552.07
171,233.45
170,909.93
170,581.44
170,247.89
169,909.22
169,565.34
169,216.17
168,861.64
168,501.65
168,136.13
167,764.99
167,388.14
167,005.50
166,616.97
166,222.47
165,821.91
165,415.19
165,002.21
164,582.89

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53

Ending
Balance
41,471,270.58
41,362,053.20
41,251,156.60
41,138,554.97
41,024,222.08
40,908,131.33
40,790,255.69
40,670,567.70
40,549,039.51
40,425,642.83
40,300,348.92
40,173,128.62
40,043,952.31
39,912,789.91
39,779,610.89
39,644,384.24
39,507,078.48
39,367,661.65
39,226,101.28
39,082,364.42
38,936,417.61
38,788,226.86
38,637,757.68
38,484,975.04
38,329,843.37
38,172,326.54
38,012,387.90
37,849,990.20
37,685,095.63
37,517,665.81
37,347,661.75
37,175,043.89
36,999,772.02
36,821,805.35
36,641,102.44
36,457,621.23
36,271,318.99
36,082,152.35
35,890,077.28
35,695,049.05
35,497,022.26
35,295,950.81
35,091,787.89
34,884,485.96
34,673,996.77
34,460,271.30
34,243,259.81
34,022,911.76
33,799,175.87
33,572,000.03
33,341,331.36
33,107,116.17
32,869,299.91
32,627,827.23
32,382,641.91
32,133,686.86
31,880,904.13
31,624,234.87
31,363,619.31
31,098,996.79
30,830,305.70
30,557,483.49
30,280,466.63
29,999,190.64
29,713,590.03
29,423,598.31
29,129,147.97

Margin NII
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%
4.75%

164,157.11
163,724.79
163,285.83
162,840.11
162,387.55
161,928.02
161,461.43
160,987.66
160,506.61
160,018.17
159,522.21
159,018.63
158,507.31
157,988.13
157,460.96
156,925.69
156,382.19
155,830.33
155,269.98
154,701.03
154,123.32
153,536.73
152,941.12
152,336.36
151,722.30
151,098.79
150,465.70
149,822.88
149,170.17
148,507.43
147,834.49
147,151.22
146,457.43
145,752.98
145,037.70
144,311.42
143,573.97
142,825.19
142,064.89
141,292.90
140,509.05
139,713.14
138,904.99
138,084.42
137,251.24
136,405.24
135,546.24
134,674.03
133,788.40
132,889.17
131,976.10
131,049.00
130,107.65
129,151.82
128,181.29
17,347,577.09

Payment No
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108

Ending
Balance
28,830,170.45
28,526,596.16
28,218,354.41
27,905,373.44
27,587,580.39
27,264,901.27
26,937,260.96
26,604,583.19
26,266,790.49
25,923,804.22
25,575,544.55
25,221,930.38
24,862,879.39
24,498,308.00
24,128,131.32
23,752,263.17
23,370,616.05
22,983,101.11
22,589,628.12
22,190,105.49
21,784,440.19
21,372,537.80
20,954,302.40
20,529,636.63
20,098,441.63
19,660,617.00
19,216,060.82
18,764,669.59
18,306,338.22
17,840,960.01
17,368,426.60
16,888,627.99
16,401,452.48
15,906,786.65
15,404,515.33
14,894,521.58
14,376,686.69
13,850,890.08
13,317,009.35
12,774,920.20
12,224,496.43
11,665,609.90
11,098,130.49
10,521,926.08
9,936,862.52
9,342,803.62
8,739,611.06
8,127,144.41
7,505,261.09
6,873,816.32
6,232,663.08
5,581,652.10
4,920,631.84
4,249,448.39
3,567,945.49
2,875,964.49
2,173,344.28
1,459,921.28
735,529.40
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Margin NII

Payment No

Ending
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Margin NII

Payment No

Ending
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Margin NII

Payment No

Ending
Balance
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Margin NII

Payment No

COST BENEFIT ANALYSIS


PROFIT OF BARAF FROM NEW PRODUCT ( KENYA )
YEAR 1
New Loans p.a
New Loan Book (end of yr)
Outstanding Book (end of yr)
Total Yearly Net Interest Incom
Negotiation Fee (1% of loan)
Total Income
Costs
Provisions @
-1.00%
Development Costs
Telephones
Total
Implementation
Training
Project Management
Total Implementation Costs
Operating Costs
B3 Sales costs
B5 Team Leader costs
Stationery
Documentation Staff
Support Staff (LPC / RRU)
Medical
Entertainment
Legal Costs
Travelling
Consultancy
UK recharges
Brochures & Packs
Direct Mail /Postage/temporary
costs

Advertising Costs
Depreciation
Rent (RRU , Qway, LPC)
Telephone / Faxes/ Email
MREC CHARGES

Total
Contigency (10% opex)
Total costs of Product to
BARAF
Profit/ Loss to BARAF
Capital Expenditure
Pc's
HP printer
Copier / Fax
Chairs / Units
Total Capex Costs
Depreciation @20% (avg)

YEAR 2

YEAR 3
YEAR 4
YEAR 5
Total
12,448,915
13,487,359
15,206,170
21,045,826
32,812,321
45,458,481
36,558,601
68,709,240
112,925,596
1,495,955
3,026,022
5,120,699
124,489
134,874
152,062
1,620,444
3,160,896
5,272,760

6,500,000
6,415,141
6,415,141
114,835
65,000
179,835

6,500,000
9,529,976
15,815,753
621,387
65,000
686,387

-64,151

-158,158

-365,586

-687,092

-1,129,256

0
0

0
0

0
0

0
0

0
0

150,000
1,500,000
1,650,000

150,000
0
150,000

150,000
0
150,000

150,000
0
150,000

4,504,500
1,680,000
0
0
0
0
0
0
0
0
0
500,000

7,507,500
2,310,000
0
0
0
0
0
0
0
0
0
150,000

150,000
0
150,000
0
8,258,250
2,541,000
0
0
0
0
0
0
30,000
0
0
150,000

9,084,075
2,795,100
0
0
0
0
0
0
0
0
0
150,000

9,992,483
3,074,610
0
0
0
0
0
0
30,000
0
0
150,000

150,000
1,500,000
0
0
0
1.47%
94,303

157,500
1,500,000
0
0

165,375
1,500,000
0
0
0
1.71%
625,152

173,644
1,500,000
0
0
0
1.71%
1,174,928

182,326
1,500,000
0
0
0
1.71%
1,931,028

1.71%
270,449

54,142,444
115,261,745
240,424,331
10,378,898
541,424
10,920,322
0
-2,404,243
0
0
0
0
750,000
1,500,000
2,250,000
0
39,346,808
12,400,710
0
0
0
0
0
0
60,000
0
0
1,100,000
828,845
7,500,000
0
0
0
4,095,860

10,078,803
1,007,880

12,045,449
1,204,545

13,419,777
1,341,978

15,027,747
1,502,775

17,010,446
1,701,045

67,582,222
6,758,222

11,086,683

13,249,994

14,761,755

16,530,521

18,711,491

74,340,444

-10,906,848

-12,563,607

-13,141,310

-13,369,626

-13,438,730

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0
0
0
0

0
0
0

0
0

-63,420,122
0
0
0
0
0
0
0

Attached see the Interest Income Forecasts, Financial Summary indicating the Net Present Value

ASSUMPTIONS.
1. Customer Interest Rate is fixed for 5 years, loan term 15 years. After 5 years the rate reverts to variable or an alternative fixed rate if available at the tim
2. Customer interest rates: Year 1 = 16%, Year 2 = 18%,Year 3 = 19%, Year 4 = 19.5%, Year 5 = 20%.
3a. Cost of funds is as per forecast given by Kihara: Year 1 = 11%, Year 2 = 12.1%,Year 3 = 13.1%, Year 4 = 13.5%, Year 5 =13.7%
3b. Cost of funds does not include MREC charges
3c. Cost of funds is on this model desinged to change with scenarios based around the forecasts being out by 1.5% and 3.0% both ways.
3d. Cost of funds in year 1 is average 9.75% (currently it is 8.5% compared to year end forecast of 11%). This figure does not change with different scenario
4. MREC charges are as percentages (Kihara) and mutlplied by yr end balance to establish cost: Year 1 = 1.47%, Year 2 to Year 5 = 1.71%
5. Negotiation fee taken at 1% in line with existing Home Loan
6. Specific Provision calculated at 1% of the loan book as from Year 1 on each end year balance position
7. New Balance per growth yr on yr assumed to be 20% from KES 600bn in yr 1 to KES 1,244bn in yr 5.
8. Average loan size is estimated at KES 3.5m which amounts to 171 new home loans in yr 1 to 355 new home loans in yr 5.
9. Capex Expenditure is minimal since the existing infrastructure in place will be used.
10a. Staff costs grow by 10% pa
10b. Staff costs pro-rated in year 1 by 66%. All staff costs assume 70% useage, as it is expected 70% of home loan sales will be fixed rate, the rest variable
10c. Staff costs as follows: 10 x B3 sales staff (KES 750,000 pa each), 3 x credit and OPC staff (KES 750,000 pa each) and 1 team leader B5 at KES 3m pa.

COST BENEFIT ANALYSI

9,529,976

21,045,826

32,812,321

PROFIT OF BARAF FROM NEW PRODUC


Exchange Rate

145

YEAR 1
New Loans p.a
New Loan Book (end of yr)
Outstanding Book (end of yr)
Total Yearly Net Interest Inco
Negotiation Fee (1% of loan)
Total Income
Costs
Provisions @
-3.00%
Development Costs
Telephones
Total
Implementation
Training
Project Management
Total Implementation Costs
Operating Costs
B3 Sales, Risk and Ops costs
B5 Team Leader costs
Stationery
Documentation Staff
Support Staff (LPC / RRU)
Medical
Entertainment
Legal Costs
Travelling
Consultancy
UK recharges
Brochures & Packs
Direct Mail /Postage/temporary
costs

Advertising Costs
Depreciation
Rent (RRU , Qway, LPC)
Telephone / Faxes/ Email
MREC CHARGES

Total
Contigency (10% opex)
Total costs of Product to
BARAF
Profit/ Loss to BARAF
Capital Expenditure
Pc's (2)
HP printer
Copier / Fax
Chairs / Units

150
YEAR 2

160
YEAR 3

44,828
44,242
44,242
792
448
1,240

43,333
63,533
105,438
4,143
433
4,576

77,806
131,536
228,491
9,350
778
10,128

-442

-1,054

-2,285

0
0
0
1,034
10,345
11,379

0
0
0
1,000
0
1,000

0
0
0
938
0
938

31,066
11,586
0
0
0
0
0
0
0
0
0
3,448

50,050
15,400
0
0
0
0
0
0
0
0
0
1,000

51,614
15,881
0
0
0
0
0
0
188
0
0
938

1,034
10,345
0
0
0
1.47%
650

1,050
10,000
0
0
0
1.46%
1,539

69,509
6,951

80,303
8,030

76,460
0
75,220 0
0
0
0
0

88,333
0
83,757 0
0
0
0
0

1,034
9,375
0
0
0
1.44%
3,290
83,874
8,387
92,261
0
82,133
0
0
0
0
0

Total Capex Costs


Depreciation @20% (avg)

0
0

0
0

0
0

Attached see the Interest Income Forecasts, Financial Summary indicating the Net Present Valu

ASSUMPTIONS.
1. Customer Interest Rate is fixed for 5 years, loan term 15 years. After 5 years the rate revert
2. Customer interest rates: Year 1 = 16%, Year 2 = 18%,Year 3 = 19%, Year 4 = 19.5%, Year 5 =
3a. Cost of funds is as per forecast given by Kihara: Year 1 = 11%, Year 2 = 12.1%,Year 3 = 13.1
3b. Cost of funds does not include MREC charges
3c. Cost of funds is on this model desinged to change with scenarios based around the forecas
3d. Cost of funds in year 1 is average 9.75% (currently it is 8.5% compared to year end forecas
4. MREC charges are as percentages (Kihara) and mutlplied by yr end balance to establish cost
5. Negotiation fee taken at 1% in line with existing Home Loan
6. Specific Provision calculated at 1% of the loan book as from Year 1 on each end year balance
7. New Balance per growth yr on yr assumed to be 20% from KES 600bn in yr 1 to KES 1,244bn
8. Average loan size is estimated at KES 3.5m which amounts to 171 new home loans in yr 1 to
9. Capex Expenditure is minimal since the existing infrastructure in place will be used.
10a. Staff costs grow by 10% pa
10b. Staff costs pro-rated in year 1 by 66%. All staff costs assume 70% useage, as it is expecte
10c. Staff costs as follows: 10 x B3 sales staff (KES 750,000 pa each), 3 x credit and OPC staff (

45,458,481

59,249,393

FROM NEW PRODUCT ( KENYA )


170
YEAR 4

180
YEAR 5
84,479
252,547
627,364
28,448
845
29,293

329,783
684,873
1,409,708
60,533
3,298
63,831

-4,042

-6,274

-14,097

0
0
0
882
0
882

0
0
0
833
0
833

0
0
0
4,688
10,345
15,032

53,436
16,442
0
0
0
0
0
0
0
0
0
882

55,514
17,081
0
0
0
0
0
0
167
0
0
833

241,679
76,390
0
0
0
0
0
0
354
0
0
7,101

1,021
8,824
0
0
0
1.30%
5,254
88,399
8,840

Total

79,337
193,014
404,172
17,800
793
18,594

97,238
0
78,645 0
0
0
0
0

1,013
8,333
0
0
0
1.71%
10,728

5,152
46,877
0
0
0
21,462

94,502
9,450

416,587
41,659

103,953
0
74,660
0
0
0
0
0

458,245
-394,415
0
0
0
0
0

0
0

0
0

0
0

ng the Net Present Value (NPV) .

r 5 years the rate reverts to variable or an alternative fixed rate if available at the time.
Year 4 = 19.5%, Year 5 = 20%.
2 = 12.1%,Year 3 = 13.1%, Year 4 = 13.5%, Year 5 =13.7%

ased around the forecasts being out by 1.5% and 3.0% both ways.
ared to year end forecast of 11%). This figure does not change with different scenarios
alance to establish cost: Year 1 = 1.47%, Year 2 to Year 5 = 1.71%

n each end year balance position


n in yr 1 to KES 1,244bn in yr 5.
w home loans in yr 1 to 355 new home loans in yr 5.
ce will be used.

useage, as it is expected 70% of home loan sales will be fixed rate, the rest variable.
x credit and OPC staff (KES 750,000 pa each) and 1 team leader B5 at KES 3m pa.

the time.

BARCLAYS AFRICA - CAPITAL AND INVESTMENT EXPENDITURE PROPOSAL


FOR PROJECTS OUTSIDE BUSINESS DISCRETION
Page 1/4

Project Name :

Kenya Variable Rate Home Loans Retail

Project Proposal - Financial Summary

error

2 February 2005
Current Conversion rate 1 =

Currency :
Units / Thousands / Millions :
A

2005

Total Benefits

2006

11,379 64,489 75,868 1,240


-

1,000 87,074 88,074 4,576


-

938 91,958 92,895 10,128


-

2008

2009

882 97,719 98,602 18,594


-

833 108,380 109,213 29,293


-

1,240

4,576

10,128

18,594

29,293

74,628 -

83,498 -

82,768 -

80,008 -

79,920 -

Cumulative Cash Flow

74,628 -

158,126 -

240,893 -

320,901

15,032
449,620
464,652
63,831
63,831
400,822

400,822

0.0%
10.0%

Local required rate of return

Internal Rate of Return :


"ERR" indicates no calculable return

10.0%

NPV :

-333,636

Year in which payback achieveAfter 5 years

#REF!

Change in Staff Numbers :

PROFIT & LOSS RECONCILIATION

P&L

2005

2006

2008

2009

Net Cash Flow


Add Back - Capital Expenditure
Less Depreciation (negative required
Other timing differences 1.
Other timing differences 2.

74,627.6 -

83,498.2 -

2007
82,767.6 -

80,008.0 -

79,920.3 -

- 74,627.6 - 83,498.2 -

82,767.6 -

80,008.0 -

79,920.3 -

Other timing differences 3.


P&L Impact (UK Accounting)

Total

UK required return (9.5%)

2007

Net Cash Flow

Average local inflation rate (O.xy

FTP is 3% below forecast from yr 2


FTP is 1.5% below forecast from yr 2

FTP is 3% above forecast from yr 2

COST/BENEFIT CASHFLOW ANALYSIS

Capital Expenditure
Development Costs
Implementation Costs
Increased Operating Costs
Total Costs
Additional income
Displaced Costs: Staff
Displaced Costs: Other

FTP is 1.5% above forecast from yr 2

GBP
Units

Financial Summary
Project Dev. Costs & Cap.Ex.

FTP as per forecast

COMMENTARY
Please comment on any unusual items in the Cost/Benefit Analysis and Profit & Loss Reconciliation.

700000000
248000000

145
4,827,586
1,710,345

Total
400,821.7
400,821.7
801,643.4

BARCLAYS AFRICA - CAPITAL AND INVESTMENT EXPENDITURE PROPOSAL


FOR PROJECTS OUTSIDE BUSINESS DISCRETION
Page 2/4

Project Name :

Kenya Variable Rate Home Loans Retail

Project Proposal - Financial Analysis (Financial Business Case)


A

1
2 February 2005

Please show separate costs and benefits by type

Enter costs as negative


Capital Expenditure
Item
Item
Item
Item
Item
Item

Enter first
year only in
this cell eg
"2002"

2005

2006

2007

2008

2009

Total

1:
2:
3:
4:
5:
6:

0.0
0.0
0.0
0.0
0.0
0.0

Total Cash Flow

Development Costs

0.0

2005

CENTRAL
UK Change Mandays
Item 1:
Item 2:
sub total
Other UK Barclays Afrida Mandays
Item 3:
Item 4:
sub total
External Costs
Item 5:
Item 6:
sub total
LOCAL
Local Mandays
Item 7:
Item 8:
sub total
Local External Costs
Item 9:
Item 10:
sub total

CENTRAL
Change Mandays
Item 1:
Item 2:
sub total
Other UK Barclays Africa Mandays
Item 3:
Item 4:
sub total
External Costs
Item 5:
Item 6:
sub total
Restructuring Costs
Item 7:
Item 8:
sub total
LOCAL
Local Mandays
Item 9:Proj. mgmt. & training
Item 10:
sub total
Local External Costs

2006

0.0

0.0

2007

0.0

0.0

2008

2009

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

Total Cash Flow

Implementation Costs

0.0

0.0

0.0

0.0

0.0

Total

0.0

0.0
0.0
0.0

0.0

0.0
0.0
0.0

0.0

0.0
0.0
0.0

0.0

0.0
0.0
0.0

0.0

0.0

0.0

0.0

0.0

0.0
0.0
0.0

0.0

0.0

0.0

0.0

0.0

0.0

2005

2006

0.0

0.0

0.0

2007

0.0

0.0

0.0

2008

0.0

0.0

0.0

2009

0.0

0.0

0.0

Total

0.0

0.0
0.0
0.0

0.0

0.0
0.0
0.0

0.0

0.0
0.0
0.0
0.0
0.0
0.0

0.0

0.0

0.0

0.0

0.0

-11,379.3

-1,000.0

-937.5

-882.4

-833.3

-11,379.3

-1,000.0

-937.5

-882.4

-833.3

-15,032.5
0.0
-15,032.5

Item 11Project manager - contractor


Item 12:
sub total

0.0

0.0

0.0

0.0

0.0

0.0
0.0
0.0

Total Cash Flow

-11,379.3

-1,000.0

-937.5

-882.4

-833.3

-15032.5

Operating Costs

2005

Item
Item
Item
Item
Item
Item

1:Staff Costs
2:Provisions
3:Marketing
4:Other
5:Contingency
6:MREC charges

2006

2007

2008

2009

Total

-42,651.7
-442.4
-13,793.1
0.0
-6,950.9
-650.4

-65,450.0
-1,054.4
-11,000.0
0.0
-8,030.3
-1,539.4

-67,495.3
-2,284.9
-10,312.5
-187.5
-8,387.4
-3,290.3

-69,877.5
-4,041.7
-9,705.9
0.0
-8,839.9
-5,254.2

-72,595.0
-6,273.6
-9,166.7
-166.7
-9,450.2
-10,727.9

-318,069.5
-14,097.1
-53,978.2
-354.2
-41,658.7
-21,462.2

Total Cash Flow

-64,488.5

-87,074.1

-91,957.9

-97,719.2

-108,380.1

-449,619.8

Benefits

2005

2006

2007

2008

Increased Income
Item 1:Net Interest Income
Item 2:Non Interest Income
Item 3:
sub total
Costs Avoided/Displaced: Staff
Item 4:
Item 5:
Item 6:
sub total
Costs Avoided/Displaced: Other
Item 7:
Item 8:
Item 9:
sub total
Total Cash Flow (Benefits)

Headcount Impact

Year end FTE


BAU Staff Increases (+ve)
BAU Staff Decreases (-ve)
Net BAU Impact

2009

Total

792.0
448.3

4,142.6
433.3

9,349.7
778.1

17,800.1
793.4

28,448.3
844.8

1,240.2

4,575.9

10,127.8

18,593.5

29,293.1

60532.7
3297.8
0.0
63830.5

0.0

0.0
0.0
0.0
0.0

0
29,293

0
0
0
0
63,831

0.0

0
1,240

2005

0.0

0
4,576

2006

0.0

0.0

0
10,128

2007

0.0

0.0

0
18,594

2008

0.0

Total

2009

0.0

0.0

0.0
0.0
0.0

BARCLAYS AFRICA - CAPITAL AND INVESTMENT EXPENDITURE PROPOSAL


FOR PROJECTS OUTSIDE BUSINESS DISCRETION
Page 2/4

Project Name :

Kenya Variable Rate Home Loans Retail

Project Proposal - Financial Analysis (Financial Business Case)


A

1
2 February 2005

Please show separate costs and benefits by type

Enter costs as negative


Capital Expenditure
Item
Item
Item
Item
Item

Enter first
year only in
this cell eg
"2002"

2005

2006

2007

2008

2009

Total

1:
2:
3:
4:
5:

0.0
0.0
0.0
0.0
0.0

Item 6:

0.0

Total Cash Flow

Development Costs

0.0

2005

CENTRAL
UK Change Mandays
Item 1:
Item 2:
sub total
Other UK Barclays Afrida Mandays
Item 3:
Item 4:
sub total
External Costs
Item 5:
Item 6:

0.0

2006

0.0

0.0

2007

0.0

0.0

0.0

2008

0.0

0.0

0.0

2009

0.0

0.0

0.0

0.0

Total

0.0

0.0
0.0
0.0

0.0

0.0
0.0
0.0
0.0
0.0

sub total

0.0

LOCAL
Local Mandays
Item 7:
Item 8:
sub total
Local External Costs
Item 9:
Item 10:

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0
0.0
0.0
0.0
0.0

sub total

0.0

0.0

0.0

0.0

0.0

0.0

Total Cash Flow

0.0

0.0

0.0

0.0

0.0

0.0

Implementation Costs
CENTRAL
Change Mandays
Item 1:
Item 2:
sub total
Other UK Barclays Africa Mandays
Item 3:
Item 4:
sub total
External Costs
Item 5:
Item 6:
sub total
Restructuring Costs
Item 7:
Item 8:
sub total
LOCAL
Local Mandays
Item 9: Proj. mgmt. & training
Item 10:
sub total
Local External Costs
Item 11Project manager - contractor

2005

2006

0.0

0.0

0.0

2007

0.0

0.0

0.0

2008

0.0

0.0

0.0

2009

0.0

0.0

0.0

Total

0.0

0.0
0.0
0.0

0.0

0.0
0.0
0.0

0.0

0.0
0.0
0.0
0.0
0.0

0.0

0.0

0.0

0.0

0.0

0.0

-11,379.3

-1,000.0

-937.5

-882.4

-833.3

-11,379.3

-1,000.0

-937.5

-882.4

-833.3

-15,032.5
0.0
-15,032.5
0.0

Item 12:

0.0

sub total

0.0

0.0

0.0

0.0

0.0

0.0

Total Cash Flow

-11,379.3

-1,000.0

-937.5

-882.4

-833.3

-15032.5

Operating Costs

2005

Item
Item
Item
Item
Item

1: Staff Costs
2: Provisions
3: Marketing
4: Other
5: Contingency

Item 6: MREC charges

2006

-42,651.7
-442.4
-13,793.1
0.0
-6,950.9

2007

-65,450.0
-1,054.4
-11,000.0
0.0
-8,030.3

2008

-67,495.3
-2,284.9
-10,312.5
-187.5
-8,387.4

2009

-69,877.5
-4,041.7
-9,705.9
0.0
-8,839.9

Total

-72,595.0
-6,273.6
-9,166.7
-166.7
-9,450.2

-318,069.5
-14,097.1
-53,978.2
-354.2
-41,658.7

-650.4

-1,539.4

-3,290.3

-5,254.2

-10,727.9

-21,462.2

Total Cash Flow

-64,488.5

-87,074.1

-91,957.9

-97,719.2

-108,380.1

-449,619.8

Benefits

2005

2006

2007

2008

Increased Income
Item 1: Net Interest Income
Item 2: Non Interest Income
Item 3:
sub total
Costs Avoided/Displaced: Staff
Item 4:
Item 5:
Item 6:
sub total
Costs Avoided/Displaced: Other
Item 7:
Item 8:
Item 9:

Headcount Impact
Year end FTE
BAU Staff Increases (+ve)
BAU Staff Decreases (-ve)
Net BAU Impact

Total

792.0
448.3

4,142.6
433.3

9,349.7
778.1

17,800.1
793.4

28,448.3
844.8

1,240.2

4,575.9

10,127.8

18,593.5

29,293.1

60532.7
3297.8
0.0
63830.5

0.0

0.0
0.0
0.0
0.0

0.0

0.0

0.0

0.0

0
0
0

sub total
Total Cash Flow (Benefits)

2009

1,240

4,576

10,128

18,594

29,293

63,831

2005

2006

2007

2008

Total

2009

0.0
0.0
0.0

0.0

0.0

0.0

0.0

0.0

BARCLAYS AFRICA - CAPITAL AND INVESTMENT EXPENDITURE PROPOSAL


FOR PROJECTS OUTSIDE BUSINESS DISCRETION
Page 3/4

Project Name :

Kenya Variable Rate Home Loans Retail

Project Proposal - Commentary


Please explain all major items noted on the Financial Analysis page

1
2 February 2005

General Notes
Overall, the FTP rate tends to increase by over 100% in the next five years. This showns concern. We however will continue to maintain a margin of over 8% of the period.

Capital Expenditure
Item
Item
Item
Item
Item
Item

1:
2:
3:
4:
5:
6:

Development Costs
CENTRAL
UK SD Mandays
Item 1:
Item 2:
Other UK Barclays Afrida Mandays (non-SD)
Item 3:
Item 4:
External Costs
Item 5:
Item 6:
LOCAL
Local Mandays
Item 7:
Item 8:
Local External Costs
Item 9:
Item 10:

Implementation Costs
CENTRAL
UK SD Mandays
Item 1:
Item 2:
Other UK Barclays Afrida Mandays (non-SD)
Item 3:
Item 4:
External Costs
Item 5:
Item 6:
Restructuring Costs
Item 7:
Item 8:
LOCAL
Local Mandays
Item 9:
Consists of project manager mandays from an internal project manager resource.
Item 10:
Local External Costs
Item 11:
Consists of project manager mandays on a contractor basis.
Item 12:

Operating Costs
Item
Item
Item
Item
Item
Item

1:
2:
3:
4:
5:
6:

Benefits
Increased Income
Increased income in the form of interest turn on funds advanced to GenFin (shown net of cost of funds from Treasury, and does not
Item 1:
include interest turn accruing to Treasury)
Item 2:
Item 3:
Costs Avoided/Displaced: Staff
Item 4:
Item 5:
Item 6:
Costs Avoided/Displaced: Other
Item 7:
Item 8:
Item 9: