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PROPOSED AMORTIZATION SCHEDULE

Proposed Amount 80,000,000.00


Interest 6.00% ASSUMED RATE - FIXED FOR 5 YEARS, REPRICING EVERY 5 YEARS
Term 10 years
Mode of Payment
Principal In 32 equal quarterly amortization to start at the end of the 9th quarter from initial release of

loan (with a maximum of two (2) years grace period on principal and interest payment)
Interest Quarterly in arrears to start at the end of the 9th quarter from date of initial release

Capitalized
Year Interest Principal Interest Total
Year 1
Quarter 1 grace period grace period grace period
Quarter 2 grace period grace period grace period
Quarter 3 grace period grace period grace period
Quarter 4 grace period grace period grace period
Sub-Total - -

Year 2
Quarter 1 grace period grace period grace period
Quarter 2 grace period grace period grace period
Quarter 3 grace period grace period grace period
Quarter 4 grace period grace period grace period
Sub-Total - -

Year 3
Quarter 1 1,183,561.64 2,500,000.00 169,828.77 3,853,390.41
Quarter 2 1,196,712.33 2,500,000.00 169,828.77 3,866,541.10
Quarter 3 1,134,246.58 2,500,000.00 169,828.77 3,804,075.34
Quarter 4 1,096,438.36 2,500,000.00 169,828.77 3,766,267.12
Sub-Total 4,610,958.90 10,000,000.00 679,315.07 15,290,273.97

Year 4
Quarter 1 1,035,616.44 2,500,000.00 169,828.77 3,705,445.21
Quarter 2 1,009,726.03 2,500,000.00 169,828.77 3,509,726.03
Quarter 3 983,013.70 2,500,000.00 169,828.77 3,483,013.70
Quarter 4 945,205.48 2,500,000.00 169,828.77 3,445,205.48
Sub-Total 3,973,561.64 10,000,000.00 679,315.07 14,143,390.41

Year 5
Quarter 1 887,671.23 2,500,000.00 169,828.77 3,557,500.00
Quarter 2 860,136.99 2,500,000.00 169,828.77 3,360,136.99
Quarter 3 831,780.82 2,500,000.00 169,828.77 3,331,780.82
Quarter 4 793,972.60 2,500,000.00 169,828.77 3,293,972.60
Sub-Total 3,373,561.64 10,000,000.00 679,315.07 13,543,390.41

Year 6
Quarter 1 739,726.03 2,500,000.00 169,828.77 3,409,554.79
Quarter 2 710,547.95 2,500,000.00 169,828.77 3,210,547.95
Quarter 3 680,547.95 2,500,000.00 169,828.77 3,180,547.95
Quarter 4 642,739.73 2,500,000.00 169,828.77 3,142,739.73
Sub-Total 2,773,561.64 10,000,000.00 679,315.07 12,943,390.41

Year 7
Quarter 1 591,780.82 2,500,000.00 169,828.77 3,261,609.59
Quarter 2 560,958.90 2,500,000.00 169,828.77 3,060,958.90
Quarter 3 529,315.07 2,500,000.00 169,828.77 3,029,315.07
Quarter 4 491,506.85 2,500,000.00 169,828.77 2,991,506.85
Sub-Total 2,173,561.64 10,000,000.00 679,315.07 12,343,390.41

Year 8
Quarter 1 443,835.62 2,500,000.00 169,828.77 3,113,664.38
Quarter 2 411,369.86 2,500,000.00 169,828.77 2,911,369.86
Quarter 3 378,082.19 2,500,000.00 169,828.77 2,878,082.19
Quarter 4 340,273.97 2,500,000.00 169,828.77 2,840,273.97
Sub-Total 1,573,561.64 10,000,000.00 679,315.07 11,743,390.41

Year 9
Quarter 1 295,890.41 2,500,000.00 169,828.77 2,965,719.18
Quarter 2 261,780.82 2,500,000.00 169,828.77 2,761,780.82
Quarter 3 226,849.32 2,500,000.00 169,828.77 2,726,849.32
Quarter 4 189,041.10 2,500,000.00 169,828.77 2,689,041.10
Sub-Total 973,561.64 10,000,000.00 679,315.07 11,143,390.41

Year 10
Quarter 1 147,945.21 2,500,000.00 169,828.77 2,817,773.97
Quarter 2 112,191.78 2,500,000.00 169,828.77 2,612,191.78
Quarter 3 75,616.44 2,500,000.00 169,828.77 2,575,616.44
Quarter 4 37,808.22 2,500,000.00 169,828.77 2,537,808.22
Sub-Total 373,561.64 10,000,000.00 679,315.07 10,543,390.41

GRAND TOTAL 19,825,890.41 80,000,000.00 5,434,520.55 101,694,006.85


ICING EVERY 5 YEARS

h quarter from initial release of

l and interest payment)


date of initial release

O/S Balance
12,000,000.00
20,000,000.00 177,534.25
30,000,000.00 302,465.75
40,000,000.00 453,698.63
50,000,000.00 598,356.16

60,000,000.00 739,726.03
70,000,000.00 907,397.26
80,000,000.00 1,058,630.14
80,000,000.00 1,196,712.33 5,434,520.55

77,500,000.00
75,000,000.00
72,500,000.00
70,000,000.00

67,500,000.00
65,000,000.00
62,500,000.00
60,000,000.00

57,500,000.00
55,000,000.00
52,500,000.00
50,000,000.00

47,500,000.00
45,000,000.00
42,500,000.00
40,000,000.00

37,500,000.00
35,000,000.00
32,500,000.00
30,000,000.00

27,500,000.00
25,000,000.00
22,500,000.00
20,000,000.00

17,500,000.00
15,000,000.00
12,500,000.00
10,000,000.00

7,500,000.00
5,000,000.00
2,500,000.00
-

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