4240.2 REV CHG 4

APPENDIX 19

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 15.25 15.50 15.75 16.00 16.25

1 1002.6129 1002.6400 1002.6662 1002.6916 1002.7162

2 1005.2590 1005.3141 1005.3675 1005.4191 1005.4691

3 1007.9388 1008.0228 1008.1042 1008.1830 1008.2594

4 1010.6526 1010.7664 1010.8768 1010.9837 1011.0874

5 1013.4009 1013.5455 1013.6858 1013.8218 1013.9537

6 1016.1841 1016.3605 1016.5317 1016.6977 1016.8588

7 1019.0027 1019.2119 1019.4149 1019.6120 1019.8033

8 1021.8571 1022.1000 1022.3360 1022.5651 1022.7877

9 1024.7478 1025.0255 1025.2954 1025.5576 1025.8124

10 1027.6752 1027.9888 1028.2936 1028.5900 1028.8781

11 1030.6399 1030.9903 1031.3312 1031.6628 1031.9854

12 1033.6422 1034.0306 1034.4087 1034.7766 1035.1347

13 1036.1879 1036.6066 1037.0140 1037.4105 1037.7962

14 1038.7661 1039.2159 1039.6536 1040.0794 1040.4937

15 1041.3770 1041.8589 1042.3278 1042.7840 1043.2278

16 1044.0210 1044.5361 1045.0372 1045.5246 1045.9989

17 1046.6987 1047.2478 1047.7820 1048.3018 1048.8075

18 1049.4104 1049.9946 1050.5629 1051.1160 1051.6542

19 1052.1566 1052.7768 1053.3804 1053.9678 1054.5394

20 1054.9377 1055.5949 1056.2347 1056.8575 1057.4637

21 1057.7541 1058.4495 1059.1266 1059.7858 1060.4276

22 1060.6063 1061.3409 1062.0564 1062.7531 1063.4316

23 1063.4947 1064.2697 1065.0246 1065.7600 1066.4763

24 1066.4199 1067.2363 1068.0319 1068.8070 1069.5622

25 1068.8633 1069.7130 1070.5409 1071.3476 1072.1335

26 1071.3378 1072.2217 1073.0830 1073.9221 1074.7396

27 1073.8437 1074.7628 1075.6584 1076.5309 1077.3810

28 1076.3814 1077.3368 1078.2676 1079.1745 1080.0581

29 1078.9514 1079.9439 1080.9110 1081.8533 1082.7715

30 1081.5541 1082.5848 1083.5891 1084.5679 1085.5217

31 1084.1899 1085.2597 1086.3024 1087.3186 1088.3091

32 1086.8591 1087.9692 1089.0513 1090.1061 1091.1342

33 1089.5623 1090.7137 1091.8363 1092.9307 1093.9976

34 1092.2998 1093.4937 1094.6578 1095.7929 1096.8998

35 1095.0721 1096.3095 1097.5164 1098.6933 1099.8412

36 1097.8796 1099.1618 1100.4124 1101.6324 1102.8225

37 1100.1785 1101.4967 1102.7826 1104.0369 1105.2605

38 1102.5066 1103.8618 1105.1839 1106.4735 1107.7315

39 1104.8643 1106.2575 1107.6166 1108.9425 1110.2359

40 1107.2519 1108.6841 1110.0814 1111.4445 1112.7743

41 1109.6699 1111.1421 1112.5784 1113.9798 1115.3470

42 1112.1186 1113.6318 1115.1082 1116.5489 1117.9546

43 1114.5984 1116.1537 1117.6713 1119.1523 1120.5975

44 1117.1098 1118.7081 1120.2680 1121.7903 1123.2761

45 1119.6530 1121.2955 1122.8987 1124.4636 1125.9911

46 1122.2286 1123.9164 1125.5640 1127.1725 1128.7428

47 1124.8369 1126.5711 1128.2643 1129.9175 1131.5317

48 1127.4784 1129.2601 1131.0000 1132.6991 1134.3585

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 16.50 16.75 17.00 17.25 17.50

1 1002.7399 1002.7629 1002.7851 1002.8066 1002.8274

2 1005.5175 1005.5644 1005.6097 1005.6536 1005.6960

3 1008.3333 1008.4049 1008.4743 1008.5414 1008.6064

4 1011.1878 1011.2852 1011.3795 1011.4708 1011.5593

5 1014.0816 1014.2056 1014.3258 1014.4423 1014.5553

6 1017.0151 1017.1668 1017.3139 1017.4565 1017.5949

7 1019.9890 1020.1693 1020.3443 1020.5141 1020.6789

8 1023.0038 1023.2137 1023.4176 1023.6156 1023.8078

9 1026.0600 1026.3006 1026.5345 1026.7617 1026.9824

10 1029.1583 1029.4307 1029.6955 1029.9530 1030.2033

11 1032.2991 1032.6044 1032.9013 1033.1901 1033.4711

12 1035.4832 1035.8224 1036.1525 1036.4739 1036.7866

13 1038.1715 1038.5367 1038.8921 1039.2379 1039.5744

14 1040.8968 1041.2889 1041.6705 1042.0417 1042.4029

15 1043.6596 1044.0796 1044.4882 1044.8858 1045.2726

16 1046.4603 1046.9092 1047.3459 1047.7708 1048.1842

17 1049.2996 1049.7783 1050.2441 1050.6973 1051.1382

18 1052.1779 1052.6874 1053.1833 1053.6658 1054.1353

19 1055.0958 1055.6372 1056.1642 1056.6770 1057.1761

20 1058.0538 1058.6281 1059.1872 1059.7315 1060.2613

21 1061.0524 1061.6608 1062.2531 1062.8299 1063.3914

22 1064.0923 1064.7358 1065.3625 1065.9728 1066.5672

23 1067.1740 1067.8537 1068.5159 1069.1609 1069.7893

24 1070.2981 1071.0152 1071.7139 1072.3949 1073.0584

25 1072.8992 1073.6453 1074.3723 1075.0807 1075.7709

26 1075.5361 1076.3122 1077.0683 1077.8051 1078.5230

27 1078.2092 1079.0162 1079.8025 1080.5687 1081.3152

28 1080.9191 1081.7580 1082.5754 1083.3720 1084.1481

29 1083.6662 1084.5381 1085.3877 1086.2156 1087.0223

30 1086.4512 1087.3570 1088.2397 1089.1000 1089.9385

31 1089.2744 1090.2152 1091.1322 1092.0260 1092.8972

32 1092.1364 1093.1133 1094.0656 1094.9940 1095.8990

33 1095.0378 1096.0519 1097.0406 1098.0046 1098.9446

34 1097.9790 1099.0315 1100.0578 1101.0586 1102.0346

35 1100.9608 1102.0527 1103.1177 1104.1564 1105.1697

36 1103.9835 1105.1160 1106.2209 1107.2988 1108.3505

37 1106.4541 1107.6185 1108.7544 1109.8626 1110.9438

38 1108.9587 1110.1559 1111.3238 1112.4632 1113.5749

39 1111.4977 1112.7287 1113.9296 1115.1013 1116.2444

40 1114.0716 1115.3374 1116.5723 1117.7772 1118.9528

41 1116.6810 1117.9825 1119.2525 1120.4916 1121.7007

42 1119.3262 1120.6646 1121.9706 1123.2450 1124.4887

43 1122.0078 1123.3841 1124.7272 1126.0380 1127.3174

44 1124.7262 1126.1415 1127.5229 1128.8712 1130.1873

45 1127.4821 1128.9375 1130.3582 1131.7451 1133.0990

46 1130.2758 1131.7724 1133.2336 1134.6603 1136.0532

47 1133.1079 1134.6470 1136.1498 1137.6174 1139.0506

48 1135.9790 1137.5616 1139.1073 1140.6170 1142.0916

Page 1 5/81

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

4240.2 REV CHG 4

APPENDIX 19

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 15.25 15.50 15.75 16.00 16.25

49 1129.5824 1131.4025 1133.1800 1134.9159 1136.6112

50 1131.7131 1133.5727 1135.3887 1137.1623 1138.8944

51 1133.8710 1135.7708 1137.6264 1139.4386 1141.2085

52 1136.0562 1137.9974 1139.8934 1141.7452 1143.5540

53 1138.2692 1140.2527 1142.1902 1144.0826 1145.9312

54 1140.5104 1142.5372 1144.5171 1146.4512 1148.3406

55 1142.7800 1144.8511 1146.8746 1148.8514 1150.7827

56 1145.0785 1147.1950 1149.2630 1151.2835 1153.2578

57 1147.4062 1149.5691 1151.6827 1153.7481 1155.7665

58 1149.7634 1151.9739 1154.1342 1156.2456 1158.3091

59 1152.1506 1154.4098 1156.6179 1158.7763 1160.8861

60 1154.5682 1156.8771 1159.1342 1161.3408 1163.4980

61 1156.4175 1158.7665 1161.0630 1163.3081 1165.5030

62 1158.2903 1160.6804 1163.0171 1165.3016 1167.5352

63 1160.1869 1162.6189 1164.9968 1167.3217 1169.5948

64 1162.1075 1164.5825 1167.0025 1169.3687 1171.6824

65 1164.0526 1166.5715 1169.0345 1171.4430 1173.7982

66 1166.0225 1168.5861 1171.0932 1173.5450 1175.9427

67 1168.0173 1170.6268 1173.1790 1175.6750 1178.1162

68 1170.0375 1172.6939 1175.2921 1177.8334 1180.3192

69 1172.0834 1174.7876 1177.4329 1180.0206 1182.5519

70 1174.1553 1176.9084 1179.6018 1182.2369 1184.8150

71 1176.2535 1179.0566 1181.7992 1184.4828 1187.1086

72 1178.3783 1181.2325 1184.0255 1186.7586 1189.4333

73 1179.9019 1182.7969 1185.6300 1188.4025 1191.1158

74 1181.4447 1184.3815 1187.2555 1190.0682 1192.8210

75 1183.0072 1185.9866 1188.9024 1191.7562 1194.5492

76 1184.5896 1187.6124 1190.5709 1193.4667 1196.3009

77 1186.1921 1189.2592 1192.2613 1195.1999 1198.0764

78 1187.8149 1190.9273 1193.9739 1196.9563 1199.8758

79 1189.4583 1192.6169 1195.7090 1198.7361 1201.6996

80 1191.1227 1194.3283 1197.4669 1200.5397 1203.5482

81 1192.8082 1196.0619 1199.2478 1202.3672 1205.4217

82 1194.5151 1197.8179 1201.0521 1204.2192 1207.3206

83 1196.2437 1199.5965 1202.8801 1206.0958 1209.2453

84 1197.9942 1201.3981 1204.7320 1207.9975 1211.1960

85 1199.1079 1202.5520 1205.9254 1209.2297 1212.4663

86 1200.2357 1203.7208 1207.1345 1210.4784 1213.7538

87 1201.3779 1204.9047 1208.3595 1211.7437 1215.0588

88 1202.5346 1206.1039 1209.6005 1213.0258 1216.3814

89 1203.7060 1207.3186 1210.8578 1214.3251 1217.7220

90 1204.8922 1208.5490 1212.1316 1215.6417 1219.0806

91 1206.0936 1209.7953 1213.4222 1216.9758 1220.4577

92 1207.3102 1211.0577 1214.7297 1218.3277 1221.8535

93 1208.5423 1212.3363 1216.0543 1219.6977 1223.2681

94 1209.7900 1213.6315 1217.3963 1221.0859 1224.7019

95 1211.0536 1214.9435 1218.7560 1222.4927 1226.1551

96 1212.3332 1216.2723 1220.1334 1223.9181 1227.6280

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 16.50 16.75 17.00 17.25 17.50

49 1138.2668 1139.8837 1141.4630 1143.0054 1144.5120

50 1140.5861 1142.2383 1143.8520 1145.4282 1146.9677

51 1142.9372 1144.6257 1146.2748 1147.8857 1149.4592

52 1145.3207 1147.0464 1148.7320 1150.3786 1151.9871

53 1147.7370 1149.5009 1151.2240 1152.9073 1154.5519

54 1150.1864 1151.9897 1153.7513 1155.4724 1157.1540

55 1152.6696 1154.5132 1156.3144 1158.0744 1159.7941

56 1155.1869 1157.0719 1158.9138 1160.7137 1162.4727

57 1157.7388 1159.6663 1161.5500 1163.3910 1165.1903

58 1160.3258 1162.2970 1164.2236 1166.1068 1167.9476

59 1162.9484 1164.9644 1166.9351 1168.8616 1170.7451

60 1165.6070 1167.6690 1169.6849 1171.6560 1173.5834

61 1167.6490 1169.7471 1171.7985 1173.8042 1175.7655

62 1169.7190 1171.8542 1173.9419 1175.9833 1177.9795

63 1171.8175 1173.9907 1176.1157 1178.1937 1180.2258

64 1173.9448 1176.1570 1178.3204 1180.4359 1182.5048

65 1176.1013 1178.3536 1180.5562 1182.7103 1184.8171

66 1178.2876 1180.5809 1182.8238 1185.0174 1187.1631

67 1180.5039 1182.8392 1185.1234 1187.3577 1189.5433

68 1182.7506 1185.1290 1187.4556 1189.7316 1191.9582

69 1185.0283 1187.4509 1189.8209 1192.1397 1194.4083

70 1187.3373 1189.8051 1192.2197 1194.5823 1196.8942

71 1189.6780 1192.1922 1194.6524 1197.0601 1199.4163

72 1192.0509 1194.6126 1197.1197 1199.5735 1201.9752

73 1193.7711 1196.3699 1198.9135 1201.4029 1203.8397

74 1195.5151 1198.1518 1200.7326 1203.2587 1205.7314

75 1197.2829 1199.9586 1202.5776 1205.1412 1207.6507

76 1199.0751 1201.7906 1204.4487 1207.0507 1209.5979

77 1200.8920 1203.6482 1206.3463 1208.9877 1211.5736

78 1202.7338 1205.5317 1208.2708 1210.9525 1213.5781

79 1204.6010 1207.4415 1210.2226 1212.9456 1215.6118

80 1206.4938 1209.3779 1212.2020 1214.9673 1217.6752

81 1208.4126 1211.3414 1214.2094 1217.0181 1219.7687

82 1210.3579 1213.3323 1216.2453 1219.0983 1221.8927

83 1212.3299 1215.3510 1218.3101 1221.2085 1224.0477

84 1214.3290 1217.3978 1220.4040 1223.3490 1226.2341

85 1215.6367 1218.7423 1221.7846 1224.7649 1227.6848

86 1216.9624 1220.1055 1223.1847 1226.2013 1229.1567

87 1218.3063 1221.4878 1224.6046 1227.6582 1230.6500

88 1219.6688 1222.8894 1226.0447 1229.1361 1232.1652

89 1221.0499 1224.3105 1227.5051 1230.6353 1233.7024

90 1222.4501 1225.7514 1228.9862 1232.1560 1235.2621

91 1223.8695 1227.2125 1230.4884 1233.6985 1236.8445

92 1225.3084 1228.6940 1232.0118 1235.2633 1238.4499

93 1226.7671 1230.1961 1233.5568 1236.8505 1240.0788

94 1228.2458 1231.7192 1235.1236 1238.4605 1241.7314

95 1229.7449 1233.2636 1236.7127 1240.0937 1243.4082

96 1231.2646 1234.8295 1238.3243 1241.7504 1245.1094

5/81 Page 2

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

4240.2 REV CHG 4

APPENDIX 19

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 15.25 15.50 15.75 16.00 16.25

97 1212.9377 1216.9145 1220.8127 1224.6338 1228.3794

98 1213.5498 1217.5650 1221.5009 1225.3590 1229.1410

99 1214.1698 1218.2239 1222.1981 1226.0938 1229.9129

100 1214.7976 1218.8913 1222.9044 1226.8385 1230.6952

101 1215.4334 1219.5673 1223.6200 1227.5931 1231.4882

102 1216.0773 1220.2521 1224.3450 1228.3577 1232.2918

103 1216.7293 1220.9457 1225.0795 1229.1326 1233.1064

104 1217.3897 1221.6482 1225.8237 1229.9177 1233.9320

105 1218.0584 1222.3599 1226.5776 1230.7134 1234.7688

106 1218.7356 1223.0807 1227.3415 1231.5196 1235.6169

107 1219.4215 1223.8108 1228.1153 1232.3366 1236.4764

108 1220.1160 1224.5504 1228.8993 1233.1645 1237.3477

109 1220.0941 1224.5612 1228.9422 1233.2389 1237.4529

110 1220.0719 1224.5721 1228.9857 1233.3143 1237.5596

111 1220.0494 1224.5832 1229.0297 1233.3906 1237.6677

112 1220.0266 1224.5944 1229.0743 1233.4680 1237.7773

113 1220.0035 1224.6057 1229.1195 1233.5465 1237.8884

114 1219.9802 1224.6172 1229.1652 1233.6259 1238.0010

115 1219.9565 1224.6289 1229.2116 1233.7064 1238.1151

116 1219.9326 1224.6407 1229.2586 1233.7880 1238.2308

117 1219.9083 1224.6526 1229.3062 1233.8707 1238.3480

118 1219.8837 1224.6647 1229.3544 1233.9545 1238.4668

119 1219.8588 1224.6770 1229.4033 1234.0394 1238.5872

120 1219.8336 1224.6894 1229.4528 1234.1255 1238.7092

121 1219.0473 1223.9275 1228.7147 1233.4106 1238.0171

122 1218.2509 1223.1557 1227.9669 1232.6863 1237.3155

123 1217.4444 1222.3740 1227.2093 1231.9522 1236.6045

124 1216.6277 1221.5821 1226.4418 1231.2084 1235.8838

125 1215.8006 1220.7801 1225.6642 1230.4547 1235.1533

126 1214.9630 1219.9676 1224.8764 1229.6909 1234.4130

127 1214.1147 1219.1447 1224.0782 1228.9169 1233.6627

128 1213.2556 1218.3112 1223.2696 1228.1327 1232.9022

129 1212.3857 1217.4669 1222.4504 1227.3379 1232.1313

130 1211.5047 1216.6116 1221.6204 1226.5326 1231.3501

131 1210.6124 1215.7454 1220.7795 1225.7165 1230.5583

132 1209.7089 1214.8679 1219.9275 1224.8895 1229.7557

133 1208.7938 1213.9791 1219.0644 1224.0516 1228.9423

134 1207.8672 1213.0789 1218.1900 1223.2024 1228.1178

135 1206.9287 1212.1670 1217.3041 1222.3419 1227.2822

136 1205.9784 1211.2433 1216.4066 1221.4700 1226.4353

137 1205.0159 1210.3077 1215.4972 1220.5864 1225.5769

138 1204.0412 1209.3600 1214.5760 1219.6910 1224.7069

139 1203.0542 1208.4001 1213.6426 1218.7837 1223.8251

140 1202.0546 1207.4277 1212.6971 1217.8643 1222.9314

141 1201.0422 1206.4428 1211.7390 1216.9327 1222.0256

142 1200.0171 1205.4452 1210.7685 1215.9886 1221.1075

143 1198.9789 1204.4347 1209.7852 1215.0320 1220.1769

144 1197.9275 1203.4112 1208.7889 1214.0625 1219.2338

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 16.50 16.75 17.00 17.25 17.50

97 1232.0511 1235.6505 1239.1792 1242.6386 1246.0302

98 1232.8485 1236.4830 1240.0462 1243.5395 1246.9645

99 1233.6568 1237.3271 1240.9255 1244.4534 1247.9124

100 1234.4762 1238.1830 1241.8172 1245.3804 1248.8741

101 1235.3069 1239.0508 1242.7216 1246.3207 1249.8498

102 1236.1490 1239.9308 1243.6388 1247.2746 1250.8398

103 1237.0027 1240.8230 1244.5689 1248.2422 1251.8442

104 1237.8681 1241.7276 1245.5123 1249.2237 1252.8633

105 1238.7454 1242.6449 1246.4690 1250.2193 1253.8972

106 1239.6348 1243.5751 1247.4393 1251.2292 1254.9462

107 1240.5364 1244.5181 1248.4233 1252.2536 1256.0105

108 1241.4504 1245.4744 1249.4213 1253.2927 1257.0903

109 1241.5860 1245.6397 1249.6157 1253.5157 1257.3413

110 1241.7234 1245.8072 1249.8128 1253.7418 1257.5959

111 1241.8627 1245.9771 1250.0128 1253.9712 1257.8542

112 1242.0039 1246.1494 1250.2155 1254.2039 1258.1163

113 1242.1471 1246.3241 1250.4212 1254.4400 1258.3822

114 1242.2922 1246.5012 1250.6297 1254.6794 1258.6520

115 1242.4393 1246.6808 1250.8412 1254.9223 1258.9257

116 1242.5885 1246.8629 1251.0557 1255.1687 1259.2034

117 1242.7397 1247.0475 1251.2733 1255.4186 1259.4852

118 1242.8929 1247.2347 1251.4939 1255.6721 1259.7711

119 1243.0483 1247.4246 1251.7176 1255.9292 1260.0611

120 1243.2059 1247.6170 1251.9445 1256.1901 1260.3554

121 1242.5358 1246.9685 1251.3169 1255.5828 1259.7679

122 1241.8564 1246.3108 1250.6804 1254.9668 1259.1719

123 1241.1678 1245.6440 1250.0348 1254.3420 1258.5673

124 1240.4697 1244.9679 1249.3801 1253.7081 1257.9537

125 1239.7620 1244.2823 1248.7161 1253.0652 1257.3313

126 1239.0445 1243.5872 1248.0427 1252.4130 1256.6998

127 1238.3172 1242.8823 1247.3598 1251.7515 1256.0590

128 1237.5799 1242.1676 1246.6672 1251.0804 1255.4089

129 1236.8324 1241.4430 1245.9648 1250.3997 1254.7493

130 1236.0747 1240.7082 1245.2524 1249.7092 1254.0802

131 1235.3066 1239.9632 1244.5300 1249.0087 1253.4012

132 1234.5278 1239.2078 1243.7973 1248.2982 1252.7124

133 1233.7384 1238.4418 1243.0542 1247.5775 1252.0135

134 1232.9381 1237.6651 1242.3006 1246.8465 1251.3044

135 1232.1269 1236.8776 1241.5364 1246.1049 1250.5850

136 1231.3044 1236.0791 1240.7613 1245.3526 1249.8550

137 1230.4707 1235.2695 1239.9752 1244.5896 1249.1145

138 1229.6255 1234.4486 1239.1780 1243.8156 1248.3631

139 1228.7687 1233.6162 1238.3695 1243.0304 1247.6008

140 1227.9001 1232.7722 1237.5495 1242.2340 1246.8273

141 1227.0195 1231.9164 1236.7179 1241.4261 1246.0426

142 1226.1269 1231.0486 1235.8746 1240.6066 1245.2465

143 1225.2219 1230.1688 1235.0193 1239.7753 1244.4387

144 1224.3045 1229.2766 1234.1518 1238.9321 1243.6191

Page 3 5/81

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

4240.2 REV CHG 4

APPENDIX 19

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 15.25 15.50 15.75 16.00 16.25

145 1196.8627 1202.3744 1207.7796 1213.0802 1218.2779

146 1195.7844 1201.3242 1206.7571 1212.0847 1217.3090

147 1194.6924 1200.2605 1205.7211 1211.0760 1216.3271

148 1193.5865 1199.1830 1204.6716 1210.0539 1215.3318

149 1192.4666 1198.0917 1203.6082 1209.0181 1214.3231

150 1191.3325 1196.9862 1202.5309 1207.9685 1213.3006

151 1190.1839 1195.8664 1201.4395 1206.9049 1212.2644

152 1189.0207 1194.7322 1200.3337 1205.8271 1211.2141

153 1187.8428 1193.5833 1199.2134 1204.7350 1210.1496

154 1186.6498 1192.4196 1198.0785 1203.6282 1209.0707

155 1185.4418 1191.2408 1196.9286 1202.5068 1207.9772

156 1184.2183 1190.0469 1195.7636 1201.3704 1206.8688

157 1182.9793 1188.8375 1194.5834 1200.2188 1205.7455

158 1181.7246 1187.6125 1193.3876 1199.0519 1204.6069

159 1180.4539 1186.3716 1192.1762 1197.8694 1203.4529

160 1179.1671 1185.1148 1190.9488 1196.6711 1202.2833

161 1177.8640 1183.8417 1189.7054 1195.4569 1201.0979

162 1176.5442 1182.5521 1188.4456 1194.2265 1199.8964

163 1175.2077 1181.2459 1187.1693 1192.9796 1198.6786

164 1173.8542 1179.9228 1185.8763 1191.7162 1197.4444

165 1172.4835 1178.5827 1184.5662 1190.4359 1196.1934

166 1171.0954 1177.2252 1183.2390 1189.1385 1194.9255

167 1169.6897 1175.8502 1181.8944 1187.8239 1193.6404

168 1168.2660 1174.4574 1180.5321 1186.4917 1192.3379

169 1166.8243 1173.0467 1179.1519 1185.1417 1191.0178

170 1165.3643 1171.6177 1177.7536 1183.7738 1189.6798

171 1163.8857 1170.1702 1176.3370 1182.3876 1188.3237

172 1162.3884 1168.7041 1174.9018 1180.9829 1186.9492

173 1160.8719 1167.2190 1173.4477 1179.5595 1185.5561

174 1159.3363 1165.7148 1171.9745 1178.1171 1184.1441

175 1157.7811 1164.1911 1170.4820 1176.6555 1182.7131

176 1156.2061 1162.6477 1168.9700 1175.1744 1181.2626

177 1154.6112 1161.0844 1167.4380 1173.6735 1179.7925

178 1152.9959 1159.5009 1165.8860 1172.1527 1178.3025

179 1151.3602 1157.8970 1164.3136 1170.6115 1176.7923

180 1149.7036 1156.2723 1162.7206 1169.0498 1175.2617

181 1148.0260 1154.6267 1161.1066 1167.4673 1173.7103

182 1146.3271 1152.9598 1159.4715 1165.8637 1172.1379

183 1144.6066 1151.2713 1157.8149 1164.2387 1170.5443

184 1142.8642 1149.5611 1156.1366 1162.5921 1168.9290

185 1141.0996 1147.8288 1154.4362 1160.9235 1167.2919

186 1139.3127 1146.0740 1152.7135 1159.2326 1165.6326

187 1137.5030 1144.2967 1150.9682 1157.5192 1163.9509

188 1135.6704 1142.4963 1149.2001 1155.7829 1162.2463

189 1133.8144 1140.6727 1147.4087 1154.0235 1160.5187

190 1131.9349 1138.8256 1145.5937 1152.2407 1158.7677

191 1130.0315 1136.9546 1143.7550 1150.4340 1156.9930

192 1128.1039 1135.0594 1141.8921 1148.6033 1155.1943

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 16.50 16.75 17.00 17.25 17.50

145 1223.3746 1228.3720 1233.2721 1238.0767 1242.7876

146 1222.4318 1227.4548 1232.3800 1237.2091 1241.9440

147 1221.4760 1226.5248 1231.4751 1236.3290 1241.0881

148 1220.5072 1225.5818 1230.5575 1235.4362 1240.2197

149 1219.5250 1224.6256 1229.6269 1234.5306 1239.3386

150 1218.5292 1223.6561 1228.6831 1233.6120 1238.4447

151 1217.5198 1222.6731 1227.7259 1232.6801 1237.5377

152 1216.4966 1221.6763 1226.7551 1231.7349 1236.6175

153 1215.4592 1220.6656 1225.7706 1230.7761 1235.6839

154 1214.4076 1219.6408 1224.7722 1229.8035 1234.7367

155 1213.3415 1218.6017 1223.7596 1228.8169 1233.7756

156 1212.2608 1217.5481 1222.7327 1227.8162 1232.8006

157 1211.1652 1216.4798 1221.6912 1226.8010 1231.8113

158 1210.0546 1215.3966 1220.6349 1225.7713 1230.8076

159 1208.9286 1214.2983 1219.5637 1224.7268 1229.7892

160 1207.7872 1213.1846 1218.4774 1223.6672 1228.7561

161 1206.6301 1212.0554 1217.3756 1222.5924 1227.7078

162 1205.4571 1210.9105 1216.2582 1221.5022 1226.6442

163 1204.2680 1209.7495 1215.1250 1220.3963 1225.5652

164 1203.0625 1208.5724 1213.9758 1219.2745 1224.4704

165 1201.8404 1207.3788 1212.8102 1218.1366 1223.3596

166 1200.6015 1206.1685 1211.6282 1216.9823 1222.2327

167 1199.3456 1204.9414 1210.4294 1215.8114 1221.0893

168 1198.0725 1203.6971 1209.2136 1214.6237 1219.9292

169 1196.7818 1202.4355 1207.9806 1213.4189 1218.7523

170 1195.4734 1201.1562 1206.7301 1212.1968 1217.5581

171 1194.1469 1199.8591 1205.4619 1210.9571 1216.3465

172 1192.8023 1198.5439 1204.1758 1209.6997 1215.1173

173 1191.4391 1197.2103 1202.8714 1208.4241 1213.8702

174 1190.0573 1195.8582 1201.5486 1207.1302 1212.6048

175 1188.6564 1194.4871 1200.2070 1205.8177 1211.3210

176 1187.2362 1193.0969 1198.8464 1204.4863 1210.0185

177 1185.7965 1191.6873 1197.4665 1203.1358 1208.6970

178 1184.3371 1190.2580 1196.0671 1201.7659 1207.3562

179 1182.8575 1188.8088 1194.6478 1200.3763 1205.9959

180 1181.3576 1187.3393 1193.2085 1198.9667 1204.6157

181 1179.8371 1185.8494 1191.7487 1197.5368 1203.2154

182 1178.2957 1184.3386 1190.2683 1196.0864 1201.7947

183 1176.7331 1182.8068 1188.7669 1194.6152 1200.3532

184 1175.1490 1181.2535 1187.2442 1193.1228 1198.8908

185 1173.5431 1179.6786 1185.7000 1191.6089 1197.4070

186 1171.9152 1178.0817 1184.1339 1190.0733 1195.9015

187 1170.2648 1176.4625 1182.5456 1188.5156 1194.3741

188 1168.5918 1174.8208 1180.9348 1186.9355 1192.8245

189 1166.8957 1173.1560 1179.3012 1185.3327 1191.2522

190 1165.1764 1171.4681 1177.6444 1183.7069 1189.6570

191 1163.4334 1169.7566 1175.9642 1182.0576 1188.0386

192 1161.6664 1168.0212 1174.2601 1180.3847 1186.3965

5/81 Page 4

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

4240.2 REV CHG 4

APPENDIX 19

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 15.25 15.50 15.75 16.00 16.25

193 1126.1518 1133.1398 1140.0048 1146.7482 1153.3712

194 1124.1749 1131.1953 1138.0927 1144.8683 1151.5234

195 1122.1728 1129.2258 1136.1555 1142.9634 1149.6505

196 1120.1454 1127.2308 1134.1929 1141.0330 1147.7524

197 1118.0921 1125.2100 1132.2045 1139.0770 1145.8285

198 1116.0128 1123.1631 1130.1901 1137.0948 1143.8785

199 1113.9070 1121.0898 1128.1492 1135.0862 1141.9022

200 1111.7745 1118.9897 1126.0815 1133.0509 1139.8991

201 1109.6149 1116.8625 1123.9866 1130.9884 1137.8689

202 1107.4278 1114.7078 1121.8643 1128.8984 1135.8111

203 1105.2130 1112.5253 1119.7141 1126.7805 1133.7255

204 1102.9700 1110.3146 1117.5357 1124.6344 1131.6117

205 1100.6984 1108.0753 1115.3287 1122.4597 1129.4693

206 1098.3981 1105.8071 1113.0928 1120.2560 1127.2978

207 1096.0684 1103.5096 1110.8274 1118.0229 1125.0969

208 1093.7092 1101.1825 1108.5324 1115.7600 1122.8662

209 1091.3200 1098.8252 1106.2072 1113.4670 1120.6054

210 1088.9005 1096.4376 1103.8516 1111.1433 1118.3139

211 1086.4502 1094.0190 1101.4649 1108.7887 1115.9913

212 1083.9687 1091.5693 1099.0470 1106.4027 1113.6373

213 1081.4557 1089.0879 1096.5974 1103.9849 1111.2515

214 1078.9108 1086.5744 1094.1155 1101.5349 1108.8333

215 1076.3335 1084.0285 1091.6012 1099.0522 1106.3824

216 1073.7235 1081.4497 1089.0538 1096.5364 1103.8983

217 1071.0803 1078.8376 1086.4729 1093.9870 1101.3806

218 1068.4035 1076.1918 1083.8583 1091.4037 1098.8287

219 1065.6928 1073.5118 1081.2092 1088.7859 1096.2423

220 1062.9475 1070.7971 1078.5255 1086.1332 1093.6209

221 1060.1674 1068.0474 1075.8064 1083.4451 1090.9640

222 1057.3519 1065.2622 1073.0518 1080.7212 1088.2711

223 1054.5007 1062.4410 1070.2609 1077.9610 1085.5418

224 1051.6132 1059.5834 1067.4334 1075.1639 1082.7754

225 1048.6890 1056.6888 1064.5688 1072.3296 1079.9717

226 1045.7277 1053.7569 1061.6666 1069.4575 1077.1299

227 1042.7287 1050.7871 1058.7264 1066.5471 1074.2497

228 1039.6916 1047.7789 1055.7475 1063.5979 1071.3304

229 1036.6160 1044.7319 1052.7295 1060.6093 1068.3717

230 1033.5012 1041.6455 1049.6720 1057.5809 1065.3729

231 1030.3469 1038.5192 1046.5742 1054.5122 1062.3334

232 1027.1524 1035.3526 1043.4359 1051.4025 1059.2528

233 1023.9174 1032.1451 1040.2563 1048.2513 1056.1305

234 1020.6413 1028.8961 1037.0350 1045.0582 1052.9659

235 1017.3235 1025.6052 1033.7715 1041.8224 1049.7585

236 1013.9636 1022.2718 1030.4651 1038.5436 1046.5076

237 1010.5609 1018.8953 1027.1153 1035.2210 1043.2127

238 1007.1150 1015.4752 1023.7215 1031.8541 1039.8731

239 1003.6254 1012.0109 1020.2832 1028.4423 1036.4884

240 1000.0914 1008.5019 1016.7997 1024.9850 1033.0578

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 16.50 16.75 17.00 17.25 17.50

193 1159.8752 1166.2616 1172.5320 1178.6878 1184.7305

194 1158.0593 1164.4774 1170.7793 1176.9664 1183.0402

195 1156.2184 1162.6683 1169.0018 1175.2203 1181.3253

196 1154.3522 1160.8340 1167.1991 1173.4491 1179.5853

197 1152.4604 1158.9741 1165.3709 1171.6524 1177.8200

198 1150.5425 1157.0882 1163.5168 1169.8299 1176.0289

199 1148.5983 1155.1760 1161.6365 1167.9812 1174.2117

200 1146.6274 1153.2370 1159.7294 1166.1060 1172.3680

201 1144.6293 1151.2711 1157.7954 1164.2037 1170.4974

202 1142.6038 1149.2777 1155.8340 1162.2742 1168.5996

203 1140.5504 1147.2564 1153.8448 1160.3169 1166.6740

204 1138.4688 1145.2070 1151.8274 1158.3314 1164.7204

205 1136.3586 1143.1289 1149.7814 1156.3174 1162.7383

206 1134.2194 1141.0218 1147.7064 1154.2745 1160.7273

207 1132.0507 1138.8853 1145.6021 1152.2022 1158.6870

208 1129.8522 1136.7190 1143.4679 1150.1001 1156.6169

209 1127.6235 1134.5225 1141.3035 1147.9678 1154.5166

210 1125.3642 1132.2953 1139.1085 1145.8048 1152.3857

211 1123.0737 1130.0370 1136.8823 1143.6108 1150.2237

212 1120.7518 1127.7472 1134.6246 1141.3852 1148.0301

213 1118.3980 1125.4254 1132.3349 1139.1276 1145.8046

214 1116.0118 1123.0712 1130.0128 1136.8375 1143.5467

215 1113.5928 1120.6842 1127.6578 1134.5146 1141.2558

216 1111.1405 1118.2638 1125.2694 1132.1582 1138.9315

217 1108.6545 1115.8097 1122.8472 1129.7680 1136.5733

218 1106.1343 1113.3213 1120.3907 1127.3434 1134.1807

219 1103.5795 1110.7982 1117.8993 1124.8840 1131.7532

220 1100.9895 1108.2398 1115.3727 1122.3892 1129.2903

221 1098.3640 1105.6458 1112.8103 1119.8585 1126.7915

222 1095.7023 1103.0155 1110.2116 1117.2915 1124.2563

223 1093.0040 1100.3485 1107.5760 1114.6876 1121.6841

224 1090.2686 1097.6443 1104.9032 1112.0462 1119.0743

225 1087.4957 1094.9023 1102.1924 1109.3669 1116.4266

226 1084.6846 1092.1221 1099.4433 1106.6490 1113.7402

227 1081.8348 1089.3031 1096.6552 1103.8921 1111.0146

228 1078.9458 1086.4447 1093.8276 1101.0956 1108.2493

229 1076.0172 1083.5464 1090.9600 1098.2588 1105.4436

230 1073.0482 1080.6076 1088.0517 1095.3813 1102.5971

231 1070.0385 1077.6279 1085.1023 1092.4624 1099.7090

232 1066.9873 1074.6065 1082.1110 1089.5015 1096.7788

233 1063.8942 1071.5430 1079.0774 1086.4981 1093.8059

234 1060.7586 1068.4367 1076.0008 1083.4515 1090.7896

235 1057.5798 1065.2871 1072.8806 1080.3612 1087.7293

236 1054.3574 1062.0934 1069.7162 1077.2263 1084.6244

237 1051.0906 1058.8553 1066.5070 1074.0465 1081.4742

238 1047.7789 1055.5719 1063.2523 1070.8209 1078.2781

239 1044.4217 1052.2426 1059.9516 1067.5490 1075.0354

240 1041.0183 1048.8670 1056.6040 1064.2300 1071.7454

Page 5 5/81

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

4240.2 REV CHG 4

APPENDIX 19

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 15.25 15.50 15.75 16.00 16.25

241 996.5124 1004.9475 1013.2706 1021.4816 1029.5808

242 992.8880 1001.3473 1009.6951 1017.9315 1026.0566

243 989.2176 997.7005 1006.0727 1014.3341 1022.4848

244 985.5004 994.0066 1002.4028 1010.6887 1018.8646

245 981.7361 990.2650 998.6846 1006.9947 1015.1953

246 977.9239 986.4751 994.9177 1003.2515 1011.4764

247 974.0632 982.6363 991.1014 999.4583 1007.7071

248 970.1535 978.7478 987.2349 995.6146 1003.8868

249 966.1942 974.8092 983.3177 991.7196 1000.0147

250 962.1845 970.8196 979.3491 987.7727 996.0902

251 958.1238 966.7785 975.3284 983.7732 992.1126

252 954.0115 962.6852 971.2549 979.7203 988.0811

253 949.8470 958.5391 967.1280 975.6134 983.9950

254 945.6295 954.3394 962.9469 971.4517 979.8535

255 941.3585 950.0854 958.7109 967.2346 975.6560

256 937.0332 945.7765 954.4194 962.9612 971.4017

257 932.6529 941.4120 950.0715 958.6308 967.0897

258 928.2169 936.9911 945.6665 954.2427 962.7194

259 923.7246 932.5130 941.2037 949.7961 958.2898

260 919.1752 927.9772 936.6824 945.2902 953.8003

261 914.5679 923.3827 932.1017 940.7242 949.2500

262 909.9021 918.7289 927.4608 936.0974 944.6380

263 905.1771 914.0150 922.7591 931.4088 939.9636

264 900.3919 909.2402 917.9957 926.6578 935.2260

265 895.5460 904.4037 913.1697 921.8434 930.4241

266 890.6385 899.5047 908.2804 916.9648 925.5572

267 885.6686 894.5425 903.3269 912.0211 920.6245

268 880.6355 889.5162 898.3084 907.0116 915.6249

269 875.5385 884.4249 893.2241 901.9352 910.5576

270 870.3767 879.2679 888.0730 896.7912 905.4217

271 865.1493 874.0443 882.8543 891.5785 900.2163

272 859.8555 868.7532 877.5671 886.2964 894.9403

273 854.4944 863.3938 872.2105 880.9439 889.5930

274 849.0652 857.9651 866.7836 875.5199 884.1732

275 843.5670 852.4663 861.2855 870.0237 878.6800

276 837.9989 846.8965 855.7152 864.4542 873.1124

277 832.3600 841.2547 850.0718 858.8104 867.4694

278 826.6495 835.5401 844.3544 853.0913 861.7501

279 820.8664 829.7517 838.5619 847.2960 855.9532

280 815.0099 823.8885 832.6934 841.4235 850.0779

281 809.0789 817.9495 826.7478 835.4726 844.1230

282 803.0725 811.9339 820.7242 829.4424 838.0875

283 796.9898 805.8405 814.6216 823.3318 831.9702

284 790.8298 799.6685 808.4388 817.1397 825.7701

285 784.5915 793.4167 802.1749 810.8651 819.4860

286 778.2739 787.0841 795.8288 804.5067 813.1169

287 771.8760 780.6698 789.3994 798.0637 806.6615

288 765.3969 774.1726 782.8856 791.5347 800.1187

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 16.50 16.75 17.00 17.25 17.50

241 1037.5682 1045.4441 1053.2090 1060.8633 1068.4074

242 1034.0706 1041.9736 1049.7660 1057.4482 1065.0207

243 1030.5249 1038.4545 1046.2741 1053.9840 1061.5846

244 1026.9304 1034.8864 1042.7328 1050.4700 1058.0985

245 1023.2865 1031.2684 1039.1413 1046.9055 1054.5614

246 1019.5925 1027.6000 1035.4990 1043.2898 1050.9728

247 1015.8477 1023.8803 1031.8050 1039.6221 1047.3319

248 1012.0515 1020.1087 1028.0587 1035.9017 1043.6379

249 1008.2030 1016.2845 1024.2593 1032.1278 1039.8900

250 1004.3016 1012.4069 1020.4062 1028.2996 1036.0874

251 1000.3466 1008.4752 1016.4984 1024.4164 1032.2294

252 996.3372 1004.4886 1012.5352 1020.4774 1028.3152

253 992.2726 1000.4463 1008.5160 1016.4817 1024.3438

254 988.1522 996.3476 1004.4397 1012.4287 1020.3145

255 983.9751 992.1917 1000.3058 1008.3173 1016.2265

256 979.7406 987.9778 996.1132 1004.1469 1012.0789

257 975.4479 983.7051 991.8613 999.9165 1007.8707

258 971.0961 979.3727 987.5492 995.6253 1003.6012

259 966.6845 974.9799 983.1759 991.2724 999.2695

260 962.2122 970.5258 978.7407 986.8570 994.8745

261 957.6785 966.0094 974.2427 982.3780 990.4155

262 953.0824 961.4301 969.6809 977.8347 985.8914

263 948.4231 956.7868 965.0545 973.2261 981.3014

264 943.6997 952.0787 960.3626 968.5512 976.6444

265 938.9114 947.3049 955.6042 963.8092 971.9195

266 934.0573 942.4644 950.7784 958.9989 967.1258

267 929.1364 937.5564 945.8842 954.1195 962.2621

268 924.1478 932.5799 940.9207 949.1700 957.3274

269 919.0907 927.5339 935.8869 944.1493 952.3208

270 913.9640 922.4175 930.7818 939.0565 947.2412

271 908.7668 917.2297 925.6043 933.8904 942.0876

272 903.4982 911.9694 920.3535 928.6501 936.8587

273 898.1571 906.6358 915.0283 923.3344 931.5536

274 892.7426 901.2276 909.6277 917.9424 926.1712

275 887.2537 895.7440 904.1506 912.4728 920.7102

276 881.6892 890.1839 898.5959 906.9246 915.1696

277 876.0483 884.5461 892.9624 901.2966 909.5482

278 870.3297 878.8297 887.2492 895.5878 903.8448

279 864.5326 873.0334 881.4550 889.7968 898.0583

280 858.6558 867.1563 875.5788 883.9227 892.1874

281 852.6981 861.1971 869.6193 877.9641 886.2308

282 846.6585 855.1547 863.5754 871.9198 880.1874

283 840.5359 849.0280 857.4458 865.7886 874.0558

284 834.3291 842.8158 851.2294 859.5694 867.8349

285 828.0369 836.5168 844.9250 853.2607 861.5232

286 821.6583 830.1300 838.5312 846.8613 855.1195

287 815.1919 823.6540 832.0469 840.3699 848.6223

288 808.6366 817.0876 825.4707 833.7852 842.0305

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4240.2 REV CHG 4

APPENDIX 19

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 15.25 15.50 15.75 16.00 16.25

289 758.8354 767.5915 776.2863 784.9186 793.4872

290 752.1905 760.9254 769.6005 778.2144 786.7660

291 745.4611 754.1732 762.8268 771.4207 779.9538

292 738.6463 747.3338 755.9643 764.5365 773.0493

293 731.7448 740.4060 749.0116 757.5604 766.0513

294 724.7557 733.3888 741.9678 750.4914 758.9585

295 717.6777 726.2809 734.8314 743.3281 751.7697

296 710.5097 719.0812 727.6014 736.0693 744.4836

297 703.2507 711.7884 720.2765 728.7137 737.0988

298 695.8994 704.4016 712.8555 721.2601 729.6140

299 688.4547 696.9192 705.3371 713.7070 722.0278

300 680.9154 689.3403 697.7200 706.0533 714.3389

301 673.2803 681.6634 690.0029 698.2975 706.5459

302 665.5481 673.8874 682.1845 690.4383 698.6473

303 657.7177 666.0110 674.2636 682.4743 690.6418

304 649.7878 658.0328 666.2386 674.4041 682.5279

305 641.7571 649.9515 658.1084 666.2263 674.3041

306 633.6243 641.7659 649.8714 657.9395 665.9689

307 625.3882 633.4745 641.5263 649.5421 657.5209

308 617.0475 625.0761 633.0717 641.0329 648.9584

309 608.6007 616.5691 624.5061 632.4101 640.2800

310 600.0466 607.9523 615.8281 623.6724 631.4841

311 591.3837 599.2242 607.0361 614.8182 622.5691

312 582.6108 590.3834 598.1288 605.8459 613.5334

313 573.7264 581.4283 589.1046 596.7540 604.3753

314 564.7291 572.3576 579.9620 587.5409 595.0932

315 555.6174 563.1697 570.6993 578.2049 585.6854

316 546.3900 553.8632 561.3151 568.7445 576.1501

317 537.0452 544.4364 551.8077 559.1579 566.4858

318 527.5818 534.8879 542.1755 549.4435 556.6906

319 517.9980 525.2160 532.4169 539.5996 546.7628

320 508.2925 515.4192 522.5302 529.6244 536.7005

321 498.4636 505.4959 512.5138 519.5162 526.5019

322 488.5099 495.4444 502.3659 509.2733 516.1653

323 478.4296 485.2630 492.0848 498.8937 505.6887

324 468.2212 474.9502 481.6687 488.3758 495.0702

325 457.8831 464.5041 471.1160 477.7176 484.3079

326 447.4136 453.9231 460.4247 466.9174 473.3998

327 436.8111 443.2054 449.5932 455.9731 462.3441

328 426.0738 432.3493 438.6194 444.8829 451.1387

329 415.2000 421.3530 427.5016 433.6448 439.7815

330 404.1881 410.2147 416.2379 422.2569 428.2705

331 393.0362 398.9324 404.8264 410.7171 416.6036

332 381.7427 387.5045 393.2651 399.0235 404.7787

333 370.3056 375.9289 381.5521 387.1740 392.7938

334 358.7231 364.2038 369.6853 375.1665 380.6465

335 346.9934 352.3273 357.6627 362.9988 368.3347

336 335.1147 340.2974 345.4824 350.6690 355.8562

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 16.50 16.75 17.00 17.25 17.50

289 801.9912 810.4295 818.8013 827.1059 835.3424

290 795.2544 803.6785 812.0375 820.3305 828.5569

291 788.4250 796.8333 805.1778 813.4578 821.6724

292 781.5016 789.8925 798.2210 806.4863 814.6875

293 774.4831 782.8548 791.1656 799.4145 807.6008

294 767.3681 775.7189 784.0102 792.2411 800.4107

295 760.1552 768.4834 776.7535 784.9646 793.1157

296 752.8431 761.1469 769.3940 777.5834 785.7143

297 745.4306 753.7080 761.9302 770.0962 778.2051

298 737.9161 746.1653 754.3607 762.5013 770.5863

299 730.2982 738.5173 746.6839 754.7973 762.8564

300 722.5757 730.7625 738.8984 746.9825 755.0137

301 714.7469 722.8995 731.0026 739.0554 747.0567

302 706.8105 714.9267 722.9950 731.0143 738.9837

303 698.7650 706.8427 714.8739 722.8576 730.7929

304 690.6088 698.6458 706.6377 714.5837 722.4827

305 682.3405 690.3345 698.2849 706.1908 714.0513

306 673.9585 681.9071 689.8137 697.6773 705.4969

307 665.4612 673.3622 681.2226 689.0414 696.8178

308 656.8472 664.6979 672.5097 680.2814 688.0121

309 648.1146 655.9128 663.6734 671.3955 679.0780

310 639.2620 647.0050 654.7119 662.3818 670.0136

311 630.2877 637.9728 645.6235 653.2385 660.8170

312 621.1900 628.8146 636.4063 643.9638 651.4863

313 611.9672 619.5286 627.0585 634.5558 642.0196

314 602.6176 610.1129 617.5783 625.0125 632.4147

315 593.1394 600.5659 607.9638 615.3321 622.6698

316 583.5309 590.8855 598.2131 605.5125 612.7828

317 573.7902 581.0701 588.3242 595.5517 602.7516

318 563.9157 571.1176 578.2953 585.4478 592.5741

319 553.9053 561.0262 568.1243 575.1986 582.2482

320 543.7574 550.7939 557.8092 564.8021 571.7717

321 533.4698 540.4189 547.3479 554.2561 561.1424

322 523.0409 529.8990 536.7385 543.5586 550.3582

323 512.4685 519.2322 525.9788 532.7072 539.4166

324 501.7508 508.4166 515.0666 521.6999 528.3155

325 490.8857 497.4500 503.9999 510.5343 517.0525

326 479.8712 486.3303 492.7763 499.2082 505.6252

327 468.7052 475.0554 481.3938 487.7194 494.0313

328 457.3857 463.6232 469.8500 476.0653 482.2683

329 445.9106 452.0313 458.1427 464.2438 470.3337

330 434.2777 440.2777 446.2695 452.2523 458.2252

331 422.4849 428.3600 434.2281 440.0884 445.9400

332 410.5299 416.2760 422.0162 427.7497 433.4757

333 398.4105 404.0232 409.6312 415.2336 420.8296

334 386.1244 391.5995 397.0708 402.5376 407.9990

335 373.6695 379.0023 384.3324 389.6590 394.9814

336 361.0432 366.2293 371.4136 376.5954 381.7739

Page 7 5/81

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

4240.2 REV CHG 4

APPENDIX 19

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 15.25 15.50 15.75 16.00 16.25

337 323.0851 328.1120 333.1422 338.1747 343.2087

338 310.9025 315.7693 320.6400 325.5139 330.3900

339 298.5651 303.2672 307.9738 312.6842 317.3976

340 286.0710 290.6035 295.1413 299.6835 304.2294

341 273.4180 277.7763 282.1404 286.5094 290.8828

342 260.6043 264.7834 268.9688 273.1597 277.3555

343 247.6277 251.6227 255.6244 259.6320 263.6449

344 234.4862 238.2920 242.1048 245.9239 249.7488

345 221.1778 224.7891 228.4078 232.0331 235.6644

346 207.7001 211.1118 214.5310 217.9570 221.3893

347 194.0512 197.2579 200.4720 203.6932 206.9210

348 180.2289 183.2249 186.2286 189.2393 192.2567

349 166.2309 169.0108 171.7982 174.5927 177.3938

350 152.0550 154.6130 157.1784 159.7507 162.3296

351 137.6989 140.0292 142.3667 144.7109 147.0615

352 123.1604 125.2571 127.3606 129.4705 131.5866

353 108.4371 110.2942 112.1575 114.0269 115.9021

354 93.5268 95.1380 96.7549 98.3775 100.0052

355 78.4269 79.7860 81.1502 82.5193 83.8931

356 63.1352 64.2357 65.3406 66.4497 67.5628

357 47.6491 48.4846 49.3236 50.1659 51.0113

358 31.9662 32.5300 33.0963 33.6649 34.2358

359 16.0840 16.3694 16.6560 16.9439 17.2330

360 -0.0000 -0.0000 -0.0000 -0.0000 -0.0000

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 16.50 16.75 17.00 17.25 17.50

337 348.2434 353.2780 358.3118 363.3440 368.3739

338 335.2676 340.1459 345.0243 349.9020 354.7784

339 322.1133 326.8306 331.5486 336.2669 340.9846

340 308.7782 313.3293 317.8820 322.4357 326.9897

341 295.2597 299.6396 304.0218 308.4057 312.7907

342 281.5554 285.7589 289.9653 294.1741 298.3846

343 267.6626 271.6843 275.7096 279.7378 283.7684

344 253.5788 257.4134 261.2520 265.0940 268.9391

345 239.3013 242.9432 246.5895 250.2398 253.8935

346 224.8275 228.2710 231.7193 235.1720 238.6285

347 210.1547 213.3941 216.6385 219.8876 223.1409

348 195.2802 198.3094 201.3440 204.3835 207.4274

349 180.2011 183.0143 185.8328 188.6565 191.4847

350 164.9147 167.5056 170.1019 172.7034 175.3096

351 149.4181 151.7804 154.1482 156.5210 158.8986

352 133.7084 135.8358 137.9684 140.1060 142.2483

353 117.7827 119.6686 121.5594 123.4550 125.3551

354 101.6381 103.2757 104.9180 106.5647 108.2156

355 85.2714 86.6540 88.0408 89.4316 90.8261

356 68.6797 69.8003 70.9245 72.0522 73.1830

357 51.8599 52.7114 53.5658 54.4229 55.2827

358 34.8088 35.3839 35.9611 36.5402 37.1213

359 17.5232 17.8146 18.1070 18.4005 18.6950

360 -0.0000 -0.0000 -0.0000 -0.0000 -0.0000

5/81 Page 8

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