EFTA00593133.pdf

4/28/2017 11:16 AM Page 1 Scenario #4 Gifting Element Rate Period: Nominal Annual Rate: CASH FLOW DATA Monthly 1.840% Event Date Amount Number Period End Date 1 Loan 9/1/2014 516,000.00 1 2 Payment 10/1/2014 Interest Only 1 3 Payment 10/2/2014 14,000.00 1 Principal First Allocation 4 Payment 11/1/2014 Interest Only 3 Monthly 1/1/2015 5 Payment 1/2/2015 14,000.00 1 Principal First Allocation 6 Payment 2/1/2015 Interest Only 12 Monthly 1/1/2016 7 Payment 1/2/2016 14,000.00 1 Principal First Allocation 8 Payment 2/1/2016 Interest Only 12 Monthly 1/1/2017 9 Payment 1/2/2017 14,000.00 1 Principal First Allocation 10 Payment 2/1/2017 Interest Only 3 Monthly 4/1/2017 11 Payment 4/26/2017 Interest Only 1 12 Payment 5/1/2017 11,646.79 9 Monthly 1/1/2018 13 Payment 1/2/2018 14,000.00 1 Principal First Allocation 14 Payment 2/1/2018 11,646.79 12 Monthly 1/1/2019 15 Payment 1/2/2019 14,000.00 1 Principal First Allocation 16 Payment 2/1/2019 11,646.79 12 Monthly 1/1/2020 17 Payment 1/2/2020 14,000.00 1 Principal First Allocation 18 Payment 2/1/2020 11,646.79 3 Monthly 4/1/2020 19 Payment 4/1/2020 11,769.01 1 AMORTIZATION SCHEDULE - U.S. Rule (no compounding) Date Payment Interest Accrued Interest Paid Principal Paid Interest Balance Due Principal Total Loan 9/1/2014 0.00 0.00 0.00 0.00 516,000.00 516,000.00 1 10/1/2014 791.20 791.20 791.20 0.00 0.00 516,000.00 516,000.00 2 10/2/2014 14,000.00 26.01 0.00 14,000.00 26.01 502,000.00 502,026.01 3 11/1/2014 785.20 759.19 785.20 0.00 0.00 502,000.00 502,000.00 4 12/1/2014 769.73 769.73 769.73 0.00 0.00 502,000.00 502,000.00 2014 Totals 16,346.13 2,346.13 2,346.13 14,000.00 EFTA00593133 Date Payment Interest Accrued Interest Paid Principal Paid 4/28/2017 11:16 AM Page 2 Balance Due Interest Principal Total 5 1/1/2015 769.73 769.73 769.73 0.00 0.00 502,000.00 502,000.00 6 1/2/2015 14,000.00 25.31 0.00 14,000.00 25.31 488,000.00 488,025.31 7 2/1/2015 763.33 738.02 763.33 0.00 0.00 488,000.00 488,000.00 8 3/1/2015 748.27 748.27 748.27 0.00 0.00 488,000.00 488,000.00 9 4/1/2015 748.27 748.27 748.27 0.00 0.00 488,000.00 488,000.00 10 5/1/2015 748.27 748.27 748.27 0.00 0.00 488,000.00 488,000.00 11 6/1/2015 748.27 748.27 748.27 0.00 0.00 488,000.00 488,000.00 12 7/1/2015 748.27 748.27 748.27 0.00 0.00 488,000.00 488,000.00 13 8/1/2015 748.27 748.27 748.27 0.00 0.00 488,000.00 488,000.00 14 9/1/2015 748.27 748.27 748.27 0.00 0.00 488,000.00 488,000.00 15 10/1/2015 748.27 748.27 748.27 0.00 0.00 488,000.00 488,000.00 16 11/1/2015 748.27 748.27 748.27 0.00 0.00 488,000.00 488,000.00 17 12/1/2015 748.27 748.27 748.27 0.00 0.00 488,000.00 488,000.00 2015 Totals 23,015.76 9,015.76 9,015.76 14,000.00 18 1/1/2016 748.27 748.27 748.27 0.00 0.00 488,000.00 488,000.00 19 1/2/2016 14,000.00 24.60 0.00 14,000.00 24.60 474,000.00 474,024.60 20 2/1/2016 741.44 716.84 741.44 0.00 0.00 474,000.00 474,000.00 21 3/1/2016 726.80 726.80 726.80 0.00 0.00 474,000.00 474,000.00 22 4/1/2016 726.80 726.80 726.80 0.00 0.00 474,000.00 474,000.00 23 5/1/2016 726.80 726.80 726.80 0.00 0.00 474,000.00 474,000.00 24 6/1/2016 726.80 726.80 726.80 0.00 0.00 474,000.00 474,000.00 25 7/1/2016 726.80 726.80 726.80 0.00 0.00 474,000.00 474,000.00 26 8/1/2016 726.80 726.80 726.80 0.00 0.00 474,000.00 474,000.00 27 9/1/2016 726.80 726.80 726.80 0.00 0.00 474,000.00 474,000.00 28 10/1/2016 726.80 726.80 726.80 0.00 0.00 474,000.00 474,000.00 29 11/1/2016 726.80 726.80 726.80 0.00 0.00 474,000.00 474,000.00 30 12/1/2016 726.80 726.80 726.80 0.00 0.00 474,000.00 474,000.00 2016 Totals 22,757.71 8,757.71 8,757.71 14,000.00 31 1/1/2017 726.80 726.80 726.80 0.00 0.00 474,000.00 474,000.00 32 1/2/2017 14,000.00 23.89 0.00 14,000.00 23.89 460,000.00 460,023.89 33 2/1/2017 719.56 695.67 719.56 0.00 0.00 460,000.00 460,000.00 34 3/1/2017 705.33 705.33 705.33 0.00 0.00 460,000.00 460,000.00 35 4/1/2017 705.33 705.33 705.33 0.00 0.00 460,000.00 460,000.00 36 4/26/2017 579.73 579.73 579.73 0.00 0.00 460,000.00 460,000.00 3,436.75 3,436.75 14,000.00 Total Thru 4.26.17 23,556.35 23,556.35 56,000.00 37 5/1/2017 11,646.79 115.95 115.95 11,530.84 0.00 448,469.16 448,469.16 38 6/1/2017 11,646.79 687.65 687.65 10,959.14 0.00 437,510.02 437,510.02 39 7/1/2017 11,646.79 670.85 670.85 10,975.94 0.00 426,534.08 426,534.08 40 8/1/2017 11,646.79 654.02 654.02 10,992.77 0.00 415,541.31 415,541.31 41 9/1/2017 11,646.79 637.16 637.16 11,009.63 0.00 404,531.68 404,531.68 EFTA00593134 Date Payment Interest Accrued Interest Paid Principal Paid 4/28/2017 11:16 AM Page 3 Balance Due Interest Principal Total 42 10/1/2017 11,646.79 620.28 620.28 11,026.51 0.00 393,505.17 393,505.17 43 11/1/2017 11,646.79 603.37 603.37 11,043.42 0.00 382,461.75 382,461.75 44 12/1/2017 11,646.79 586.44 586.44 11,060.35 0.00 371,401.40 371,401.40 2017 Totals 110,611.07 8,012.47 8,012.47 102,598.60 45 1/1/2018 11,646.79 569.48 569.48 11,077.31 0.00 360,324.09 360,324.09 46 1/2/2018 14,000.00 18.16 0.00 14,000.00 18.16 346,324.09 346,342.25 47 2/1/2018 11,646.79 523.76 541.92 11,104.87 0.00 335,219.22 335,219.22 48 3/1/2018 11,646.79 514.00 514.00 11,132.79 0.00 324,086.43 324,086.43 49 4/1/2018 11,646.79 496.93 496.93 11,149.86 0.00 312,936.57 312,936.57 50 5/1/2018 11,646.79 479.84 479.84 11,166.95 0.00 301,769.62 301,769.62 51 6/1/2018 11,646.79 462.71 462.71 11,184.08 0.00 290,585.54 290,585.54 52 7/1/2018 11,646.79 445.56 445.56 11,201.23 0.00 279,384.31 279,384.31 53 8/1/2018 11,646.79 428.39 428.39 11,218.40 0.00 268,165.91 268,165.91 54 9/1/2018 11,646.79 411.19 411.19 11,235.60 0.00 256,930.31 256,930.31 55 10/1/2018 11,646.79 393.96 393.96 11,252.83 0.00 245,677.48 245,677.48 56 11/1/2018 11,646.79 376.71 376.71 11,270.08 0.00 234,407.40 234,407.40 57 12/1/2018 11,646.79 359.42 359.42 11,287.37 0.00 223,120.03 223,120.03 2018 Totals 153,761.48 5,480.11 5,480.11 148,281.37 58 1/1/2019 11,646.79 342.12 342.12 11,304.67 0.00 211,815.36 211,815.36 59 1/2/2019 14,000.00 10.68 0.00 14,000.00 10.68 197,815.36 197,826.04 60 2/1/2019 11,646.79 299.16 309.84 11,336.95 0.00 186,478.41 186,478.41 61 3/1/2019 11,646.79 285.93 285.93 11,360.86 0.00 175,117.55 175,117.55 62 4/1/2019 11,646.79 268.51 268.51 11,378.28 0.00 163,739.27 163,739.27 63 5/1/2019 11,646.79 251.07 251.07 11,395.72 0.00 152,343.55 152,343.55 64 6/1/2019 11,646.79 233.59 233.59 11,413.20 0.00 140,930.35 140,930.35 65 7/1/2019 11,646.79 216.09 216.09 11,430.70 0.00 129,499.65 129,499.65 66 8/1/2019 11,646.79 198.57 198.57 11,448.22 0.00 118,051.43 118,051.43 67 9/1/2019 11,646.79 181.01 181.01 11,465.78 0.00 106,585.65 106,585.65 68 10/1/2019 11,646.79 163.43 163.43 11,483.36 0.00 95,102.29 95,102.29 69 11/1/2019 11,646.79 145.82 145.82 11,500.97 0.00 83,601.32 83,601.32 70 12/1/2019 11,646.79 128.19 128.19 11,518.60 0.00 72,082.72 72,082.72 2019 Totals 153,761.48 2,724.17 2,724.17 151,037.31 71 1/1/2020 11,646.79 110.53 110.53 11,536.26 0.00 60,546.46 60,546.46 72 1/2/2020 14,000.00 3.05 0.00 14,000.00 3.05 46,546.46 46,549.51 73 2/1/2020 11,646.79 70.39 73.44 11,573.35 0.00 34,973.11 34,973.11 74 3/1/2020 11,646.79 53.63 53.63 11,593.16 0.00 23,379.95 23,379.95 75 4/1/2020 11,646.79 35.85 35.85 11,610.94 0.00 11,769.01 11,769.01 76 4/1/2020 11,769.01 0.00 0.00 11,769.01 0.00 0.00 0.00 2020 Totals 72,356.17 273.45 273.45 72,082.72 Grand Totals 552,609.80 36,609.80 36,609.80 516,000.00 EFTA00593135