4240.2 REV CHG 4

APPENDIX 15

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

PLAN I GRADUATED PAYMENT MORTGAGE (SECTION 245)

WITH INCREASING PAYMENTS FOR 5 YEARS AT 2.50 PERCENT EACH YEAR

MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS

PREMIUM FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 15.25 15.50 15.75 16.00 16.25

1 .4187 .4188 .4188 .4189 .4189

2 .4230 .4231 .4233 .4234 .4235

3 .4263 .4266 .4268 .4270 .4272

4 .4286 .4289 .4292 .4295 .4299

5 .4295 .4299 .4303 .4307 .4311

6 .4288 .4293 .4298 .4303 .4308

7 .4271 .4276 .4282 .4288 .4293

8 .4250 .4257 .4263 .4270 .4276

9 .4227 .4234 .4242 .4249 .4256

10 .4199 .4208 .4216 .4224 .4232

11 .4167 .4177 .4186 .4195 .4204

12 .4130 .4141 .4151 .4161 .4171

13 .4086 .4098 .4110 .4121 .4132

14 .4036 .4049 .4062 .4075 .4087

15 .3977 .3992 .4006 .4020 .4034

16 .3909 .3925 .3941 .3956 .3971

17 .3830 .3847 .3864 .3881 .3897

18 .3737 .3756 .3775 .3793 .3811

19 .3630 .3650 .3670 .3690 .3709

20 .3504 .3526 .3548 .3569 .3589

21 .3359 .3382 .3405 .3427 .3449

22 .3189 .3213 .3237 .3261 .3284

23 .2992 .3017 .3042 .3066 .3090

24 .2762 .2788 .2813 .2838 .2862

25 .2495 .2520 .2545 .2570 .2594

26 .2184 .2208 .2232 .2256 .2279

27 .1823 .1845 .1866 .1888 .1909

28 .1402 .1420 .1438 .1457 .1475

29 .0912 .0925 .0938 .0951 .0964

30 .0342 .0348 .0353 .0358 .0363

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

1 (1 of 2) 5/81

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

4240.2 REV CHG 4

APPENDIX 15

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

PLAN I GRADUATED PAYMENT MORTGAGE (SECTION 245)

WITH INCREASING PAYMENTS FOR 5 YEARS AT 2.50 PERCENT EACH YEAR

MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS

PREMIUM FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 16.50 16.75 17.00 17.25 17.50

1 .4189 .4190 .4190 .4190 .4191

2 .4236 .4238 .4239 .4240 .4241

3 .4275 .4277 .4279 .4281 .4283

4 .4302 .4305 .4308 .4310 .4313

5 .4315 .4319 .4323 .4326 .4330

6 .4312 .4317 .4321 .4325 .4329

7 .4298 .4303 .4308 .4313 .4318

8 .4282 .4287 .4293 .4298 .4304

9 .4262 .4269 .4275 .4281 .4287

10 .4239 .4247 .4254 .4261 .4267

11 .4212 .4221 .4228 .4236 .4244

12 .4180 .4190 .4199 .4207 .4216

13 .4143 .4153 .4163 .4173 .4182

14 .4099 .4110 .4121 .4132 .4143

15 .4047 .4059 .4072 .4084 .4096

16 .3985 .4000 .4013 .4027 .4040

17 .3913 .3929 .3944 .3959 .3973

18 .3828 .3845 .3862 .3878 .3894

19 .3728 .3746 .3764 .3782 .3799

20 .3610 .3630 .3649 .3668 .3687

21 .3471 .3492 .3513 .3533 .3553

22 .3307 .3329 .3351 .3373 .3394

23 .3114 .3137 .3160 .3183 .3205

24 .2886 .2910 .2934 .2957 .2980

25 .2618 .2642 .2666 .2689 .2712

26 .2303 .2326 .2349 .2371 .2394

27 .1931 .1952 .1973 .1994 .2015

28 .1493 .1511 .1528 .1546 .1564

29 .0977 .0989 .1002 .1015 .1028

30 .0369 .0374 .0379 .0384 .0389

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

1 (2 of 2) 5/81

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

4240.2 REV CHG 4

APPENDIX 15

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

PLAN II GRADUATED PAYMENT MORTGAGE (SECTION 245)

WITH INCREASING PAYMENTS FOR 5 YEARS AT 5.00 PERCENT EACH YEAR

MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS

PREMIUM FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 15.25 15.50 15.75 16.00 16.25

1 .4209 .4210 .4211 .4211 .4212

2 .4299 .4301 .4303 .4305 .4308

3 .4373 .4377 .4381 .4384 .4388

4 .4428 .4433 .4439 .4444 .4449

5 .4459 .4466 .4472 .4478 .4484

6 .4461 .4468 .4475 .4482 .4490

7 .4442 .4451 .4459 .4467 .4474

8 .4421 .4430 .4439 .4448 .4456

9 .4397 .4407 .4416 .4426 .4435

10 .4368 .4379 .4390 .4400 .4410

11 .4335 .4347 .4359 .4370 .4381

12 .4296 .4309 .4322 .4335 .4347

13 .4251 .4265 .4280 .4293 .4307

14 .4198 .4214 .4230 .4245 .4259

15 .4137 .4155 .4171 .4188 .4204

16 .4066 .4085 .4103 .4121 .4139

17 .3984 .4004 .4024 .4043 .4062

18 .3888 .3909 .3930 .3951 .3972

19 .3776 .3799 .3821 .3844 .3866

20 .3645 .3670 .3694 .3718 .3741

21 .3494 .3520 .3545 .3570 .3595

22 .3317 .3344 .3371 .3397 .3423

23 .3112 .3140 .3167 .3194 .3220

24 .2873 .2901 .2929 .2956 .2983

25 .2596 .2623 .2650 .2677 .2704

26 .2272 .2298 .2324 .2350 .2376

27 .1896 .1920 .1943 .1967 .1990

28 .1458 .1478 .1498 .1517 .1537

29 .0949 .0963 .0977 .0991 .1004

30 .0356 .0362 .0367 .0373 .0379

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

5/81 2 (1 of 2)

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

4240.2 REV CHG 4

APPENDIX 15

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

PLAN II GRADUATED PAYMENT MORTGAGE (SECTION 245)

WITH INCREASING PAYMENTS FOR 5 YEARS AT 5.00 PERCENT EACH YEAR

MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS

PREMIUM FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 16.50 16.75 17.00 17.25 17.50

1 .4213 .4213 .4214 .4214 .4215

2 .4310 .4312 .4314 .4316 .4318

3 .4391 .4395 .4398 .4402 .4405

4 .4453 .4458 .4463 .4467 .4472

5 .4491 .4496 .4502 .4508 .4514

6 .4496 .4503 .4510 .4516 .4523

7 .4482 .4489 .4496 .4503 .4510

8 .4465 .4473 .4480 .4488 .4496

9 .4444 .4453 .4462 .4470 .4478

10 .4420 .4430 .4439 .4449 .4458

11 .4392 .4403 .4413 .4423 .4433

12 .4359 .4371 .4382 .4393 .4404

13 .4320 .4333 .4345 .4357 .4369

14 .4274 .4288 .4301 .4315 .4328

15 .4220 .4235 .4250 .4264 .4279

16 .4156 .4172 .4189 .4204 .4220

17 .4080 .4098 .4116 .4133 .4150

18 .3992 .4011 .4030 .4049 .4067

19 .3887 .3908 .3929 .3949 .3969

20 .3764 .3786 .3809 .3830 .3852

21 .3619 .3643 .3666 .3689 .3712

22 .3448 .3473 .3498 .3522 .3546

23 .3247 .3273 .3298 .3323 .3348

24 .3009 .3036 .3062 .3088 .3113

25 .2730 .2756 .2782 .2808 .2833

26 .2401 .2426 .2451 .2476 .2501

27 .2013 .2036 .2059 .2082 .2105

28 .1556 .1576 .1595 .1615 .1634

29 .1018 .1032 .1046 .1060 .1073

30 .0384 .0390 .0396 .0401 .0407

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

5/81 2 (2 of 2)

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

4240.2 REV CHG 4

APPENDIX 15

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

PLAN III GRADUATED PAYMENT MORTGAGE (SECTION 245)

WITH INCREASING PAYMENTS FOR 5 YEARS AT 7.50 PERCENT EACH YEAR

MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS

PREMIUM FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 15.25 15.50 15.75 16.00 16.25

1 .4230 .4231 .4231 .4232 .4233

2 .4363 .4366 .4369 .4372 .4375

3 .4477 .4482 .4487 .4492 .4497

4 .4564 .4571 .4578 .4585 .4592

5 .4617 .4626 .4634 .4643 .4651

6 .4626 .4636 .4646 .4656 .4665

7 .4608 .4618 .4629 .4639 .4649

8 .4586 .4597 .4609 .4620 .4630

9 .4560 .4573 .4585 .4597 .4609

10 .4531 .4544 .4557 .4570 .4583

11 .4496 .4511 .4525 .4539 .4553

12 .4456 .4472 .4487 .4502 .4517

13 .4409 .4426 .4443 .4459 .4475

14 .4355 .4373 .4391 .4409 .4426

15 .4291 .4311 .4331 .4350 .4368

16 .4218 .4239 .4260 .4280 .4300

17 .4132 .4155 .4177 .4199 .4221

18 .4032 .4056 .4080 .4104 .4127

19 .3916 .3942 .3967 .3992 .4017

20 .3781 .3808 .3835 .3861 .3887

21 .3624 .3652 .3680 .3708 .3735

22 .3441 .3470 .3499 .3528 .3556

23 .3228 .3258 .3288 .3317 .3346

24 .2980 .3011 .3040 .3070 .3099

25 .2692 .2722 .2751 .2780 .2809

26 .2357 .2385 .2413 .2441 .2468

27 .1967 .1992 .2017 .2043 .2068

28 .1513 .1534 .1555 .1576 .1597

29 .0984 .0999 .1014 .1029 .1044

30 .0370 .0375 .0381 .0387 .0393

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

3 (1 of 2) 5/81

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

4240.2 REV CHG 4

APPENDIX 15

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

PLAN III GRADUATED PAYMENT MORTGAGE (SECTION 245)

WITH INCREASING PAYMENTS FOR 5 YEARS AT 7.50 PERCENT EACH YEAR

MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS

PREMIUM FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 16.50 16.75 17.00 17.25 17.50

1 .4234 .4235 .4236 .4237 .4237

2 .4378 .4381 .4384 .4386 .4389

3 .4502 .4507 .4511 .4516 .4520

4 .4598 .4605 .4611 .4618 .4624

5 .4659 .4667 .4675 .4683 .4691

6 .4674 .4683 .4692 .4701 .4710

7 .4659 .4669 .4678 .4688 .4697

8 .4641 .4652 .4662 .4672 .4682

9 .4620 .4631 .4642 .4653 .4664

10 .4595 .4607 .4619 .4631 .4642

11 .4566 .4579 .4592 .4604 .4617

12 .4531 .4546 .4559 .4573 .4586

13 .4491 .4506 .4521 .4536 .4550

14 .4443 .4459 .4476 .4491 .4507

15 .4386 .4404 .4422 .4439 .4456

16 .4320 .4339 .4358 .4377 .4395

17 .4242 .4262 .4283 .4303 .4322

18 .4149 .4172 .4193 .4215 .4236

19 .4041 .4065 .4088 .4111 .4133

20 .3913 .3938 .3963 .3987 .4011

21 .3762 .3789 .3815 .3840 .3866

22 .3584 .3612 .3639 .3666 .3693

23 .3375 .3404 .3432 .3459 .3487

24 .3129 .3157 .3186 .3214 .3242

25 .2838 .2867 .2895 .2923 .2951

26 .2496 .2523 .2550 .2577 .2604

27 .2093 .2118 .2143 .2167 .2192

28 .1618 .1639 .1660 .1681 .1702

29 .1059 .1073 .1088 .1103 .1118

30 .0399 .0405 .0412 .0418 .0424

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

3 (2 of 2) 5/81

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

4240.2 REV CHG 4

APPENDIX 15

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

PLAN IV GRADUATED PAYMENT MORTGAGE (SECTION 245)

WITH INCREASING PAYMENTS FOR 10 YEARS AT 2.00 PERCENT EACH YEAR

MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS

PREMIUM FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 15.25 15.50 15.75 16.00 16.25

1 .4192 .4192 .4192 .4193 .4193

2 .4246 .4247 .4248 .4249 .4251

3 .4296 .4298 .4301 .4303 .4305

4 .4342 .4345 .4349 .4352 .4355

5 .4382 .4387 .4391 .4395 .4399

6 .4416 .4421 .4427 .4432 .4437

7 .4441 .4448 .4454 .4461 .4467

8 .4456 .4464 .4472 .4480 .4488

9 .4460 .4469 .4479 .4488 .4496

10 .4449 .4460 .4471 .4481 .4491

11 .4422 .4434 .4446 .4458 .4469

12 .4383 .4396 .4409 .4422 .4434

13 .4337 .4351 .4366 .4379 .4393

14 .4283 .4299 .4315 .4330 .4345

15 .4221 .4238 .4255 .4272 .4288

16 .4149 .4167 .4186 .4204 .4221

17 .4064 .4085 .4105 .4124 .4143

18 .3966 .3988 .4009 .4031 .4051

19 .3852 .3875 .3898 .3921 .3943

20 .3719 .3744 .3768 .3792 .3816

21 .3564 .3591 .3616 .3642 .3667

22 .3385 .3412 .3439 .3465 .3491

23 .3175 .3203 .3231 .3258 .3285

24 .2932 .2960 .2988 .3015 .3043

25 .2648 .2676 .2703 .2731 .2758

26 .2318 .2345 .2371 .2397 .2423

27 .1934 .1958 .1982 .2006 .2030

28 .1488 .1508 .1528 .1548 .1568

29 .0968 .0982 .0996 .1010 .1024

30 .0363 .0369 .0375 .0381 .0386

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

5/81 4 (1 of 2)

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

4240.2 REV CHG 4

APPENDIX 15

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

PLAN IV GRADUATED PAYMENT MORTGAGE (SECTION 245)

WITH INCREASING PAYMENTS FOR 10 YEARS AT 2.00 PERCENT EACH YEAR

MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS

PREMIUM FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 16.50 16.75 17.00 17.25 17.50

1 .4193 .4194 .4194 .4194 .4194

2 .4252 .4253 .4254 .4255 .4256

3 .4307 .4309 .4311 .4312 .4314

4 .4358 .4361 .4363 .4366 .4368

5 .4403 .4407 .4411 .4414 .4418

6 .4442 .4447 .4452 .4457 .4461

7 .4474 .4480 .4485 .4491 .4497

8 .4495 .4502 .4509 .4516 .4523

9 .4505 .4513 .4521 .4529 .4537

10 .4501 .4510 .4520 .4528 .4537

11 .4480 .4490 .4501 .4511 .4520

12 .4446 .4458 .4469 .4480 .4490

13 .4406 .4419 .4431 .4443 .4455

14 .4359 .4373 .4387 .4400 .4413

15 .4304 .4319 .4334 .4348 .4363

16 .4239 .4255 .4272 .4287 .4303

17 .4162 .4180 .4198 .4215 .4232

18 .4071 .4091 .4110 .4129 .4147

19 .3965 .3986 .4007 .4027 .4047

20 .3839 .3862 .3884 .3906 .3927

21 .3691 .3715 .3739 .3762 .3785

22 .3517 .3542 .3567 .3591 .3616

23 .3311 .3338 .3363 .3389 .3414

24 .3070 .3096 .3123 .3149 .3174

25 .2785 .2811 .2837 .2863 .2889

26 .2449 .2474 .2500 .2525 .2550

27 .2053 .2077 .2100 .2123 .2146

28 .1587 .1607 .1627 .1646 .1666

29 .1039 .1053 .1067 .1081 .1095

30 .0392 .0398 .0403 .0409 .0415

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

5/81 4 (2 of 2)

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

4240.2 REV CHG 4

APPENDIX 15

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

PLAN V GRADUATED PAYMENT MORTGAGE (SECTION 245)

WITH INCREASING PAYMENTS FOR 10 YEARS AT 3.00 PERCENT EACH YEAR

MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS

PREMIUM FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 15.25 15.50 15.75 16.00 16.25

1 .4205 .4205 .4206 .4206 .4207

2 .4289 .4291 .4292 .4294 .4295

3 .4369 .4372 .4374 .4377 .4380

4 .4443 .4447 .4451 .4455 .4459

5 .4510 .4516 .4521 .4527 .4532

6 .4568 .4575 .4582 .4589 .4596

7 .4615 .4624 .4633 .4641 .4650

8 .4649 .4660 .4670 .4680 .4690

9 .4667 .4679 .4691 .4703 .4714

10 .4666 .4680 .4693 .4706 .4718

11 .4641 .4656 .4671 .4685 .4699

12 .4600 .4616 .4632 .4647 .4662

13 .4552 .4569 .4586 .4603 .4619

14 .4495 .4514 .4533 .4551 .4568

15 .4430 .4450 .4470 .4490 .4509

16 .4354 .4376 .4397 .4418 .4439

17 .4266 .4289 .4312 .4334 .4356

18 .4163 .4188 .4212 .4236 .4260

19 .4043 .4069 .4095 .4121 .4146

20 .3903 .3931 .3959 .3986 .4012

21 .3741 .3770 .3799 .3827 .3855

22 .3552 .3582 .3612 .3642 .3671

23 .3332 .3363 .3394 .3424 .3454

24 .3077 .3108 .3139 .3169 .3199

25 .2779 .2810 .2840 .2870 .2900

26 .2433 .2462 .2491 .2519 .2548

27 .2030 .2056 .2083 .2108 .2134

28 .1562 .1583 .1605 .1627 .1648

29 .1016 .1031 .1047 .1062 .1077

30 .0381 .0388 .0394 .0400 .0406

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

5 (1 of 2) 5/81

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4240.2 REV CHG 4

APPENDIX 15

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PLAN V GRADUATED PAYMENT MORTGAGE (SECTION 245)

WITH INCREASING PAYMENTS FOR 10 YEARS AT 3.00 PERCENT EACH YEAR

MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS

PREMIUM FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 16.50 16.75 17.00 17.25 17.50

1 .4207 .4208 .4208 .4208 .4209

2 .4297 .4298 .4300 .4301 .4302

3 .4382 .4385 .4387 .4390 .4392

4 .4463 .4467 .4470 .4474 .4477

5 .4537 .4542 .4547 .4552 .4556

6 .4603 .4609 .4615 .4621 .4627

7 .4658 .4665 .4673 .4680 .4688

8 .4699 .4709 .4718 .4726 .4735

9 .4725 .4736 .4746 .4756 .4766

10 .4731 .4743 .4755 .4766 .4777

11 .4713 .4726 .4739 .4751 .4763

12 .4677 .4691 .4705 .4719 .4732

13 .4635 .4650 .4666 .4680 .4695

14 .4586 .4602 .4619 .4635 .4650

15 .4527 .4545 .4563 .4580 .4597

16 .4459 .4478 .4497 .4516 .4534

17 .4378 .4399 .4420 .4440 .4460

18 .4283 .4305 .4328 .4349 .4371

19 .4171 .4195 .4218 .4242 .4265

20 .4038 .4064 .4089 .4114 .4138

21 .3883 .3910 .3937 .3963 .3989

22 .3699 .3728 .3756 .3783 .3810

23 .3483 .3513 .3541 .3570 .3598

24 .3229 .3259 .3288 .3317 .3345

25 .2929 .2958 .2987 .3016 .3045

26 .2576 .2604 .2632 .2660 .2687

27 .2160 .2186 .2211 .2236 .2262

28 .1670 .1691 .1713 .1734 .1756

29 .1092 .1108 .1123 .1138 .1153

30 .0412 .0418 .0425 .0431 .0437

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5 (2 of 2) 5/81