4240.2 REV

APPENDIX 1

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

PLAN I GRADUATED PAYMENT MORTGAGE (SECTION 245)

WITH INCREASING PAYMENTS FOR 5 YEARS AT 2.50 PERCENT EACH YEAR

FACTORS FOR COMPUTING MONTHLY INSTALLMEMT TO PRINCIPAL AND INTEREST

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 7.75 8.00 8.25 8.50 8.75

1 6.5039 6.6651 6.8277 6.9918 7.1574

2 6.6665 6.8317 6.9984 7.1666 7.3364

3 6.8332 7.0025 7.1733 7.3458 7.5198

4 7.0040 7.1775 7.3527 7.5294 7.7078

5 7.1791 7.3750 7.5365 7.7177 7.9005

REMAINING

PNTS 7.5386 7.5409 7.7249 7.9106 8.0980

YEAR 9.00 9.25 9.50 9.75 10.00

1 7.3244 7.4928 7.6625 7.8335 8.0057

2 7.5075 7.6801 7.8541 8.0293 8.2058

3 7.6952 7.8721 8.0504 8.2300 8.4110

4 7.8876 8.0689 8.2517 8.4358 8.6213

5 8.0848 8.2706 8.4580 8.6467 8.8368

REMAINING

PNTS 8.2869 8.4774 8.6694 8.8629 9.0577

NOTE: BECAUSE OF ROUNDING, UTILIZATION OF THESE FACTORS CAN RESULT IN

SMALL DIFFERENCES IN THE ACTUAL OUTSTANDING BALANCES AND MORTGAGE

INSURANCE PREMIUMS FROM THOSE DERIVED BY USING THE FACTORS

SHOWN IN APPENDICES 2 AND 3.

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

Page 1 6/78

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4240.2 REV

APPENDIX 1

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

PLAN II GRADUATED PAYMENT MORTGAGE (SECTION 245)

WITH INCREASING PAYMENTS FOR 5 YEARS AT 5.00 PERCENT EACH YEAR

FACTORS FOR COMPUTING MONTHLY INSTALLMEMT TO PRINCIPAL AND INTEREST

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 7.75 8.00 8.25 8.50 8.75

1 5.9085 6.0579 6.2089 6.3613 6.5153

2 6.2040 6.3608 6.5193 6.6794 6.8410

3 6.5162 6.6789 6.8453 7.0134 7.1831

4 6.8399 7.0128 7.1875 7.3640 7.5422

5 7.1819 7.3634 7.5469 7.7322 7.9193

REMAINING

PNTS 7.5410 7.7316 7.9243 8.1188 8.3153

YEAR 9.00 9.25 9.50 9.75 10.00

1 6.6706 6.8274 6.9856 7.1451 7.3059

2 7.0042 7.1688 7.3349 7.5023 7.6712

3 7.3544 7.5272 7.7016 7.8775 8.0547

4 7.7221 7.9036 8.0867 8.2713 8.4575

5 8.1082 8.2988 8.4910 8.6849 8.8804

REMAINING

PNTS 8.5136 8.7137 9.9156 9.1192 9.3244

NOTE: BECAUSE OF ROUNDING, UTILIZATION OF THESE FACTORS CAN RESULT IN

SMALL DIFFERENCES IN THE ACTUAL OUTSTANDING BALANCES AND MORTGAGE

INSURANCE PREMIUMS FROM THOSE DERIVED BY USING THE FACTORS

SHOWN IN APPENDICES 2 AND 3.

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

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4240.2 REV

APPENDIX 1

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

PLAN III GRADUATED PAYMENT MORTGAGE (SECTION 245)

WITH INCREASING PAYMENTS FOR 5 YEARS AT 7.50 PERCENT EACH YEAR

FACTORS FOR COMPUTING MONTHLY INSTALLMEMT TO PRINCIPAL AND INTEREST

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 7.75 8.00 8.25 8.50 8.75

1 5.3711 5.5101 5.6500 5.7915 5.9344

2 5.7746 5.9233 6.0738 6.2258 6.3795

3 6.2077 6.3676 6.5293 6.6928 6.8580

4 6.6732 6.8452 7.0190 7.1947 7.3723

5 7.1737 7.3585 7.5454 7.7343 7.9252

REMAINING

PNTS 7.7110 7.9104 8.1113 8.3114 8.5196

YEAR 9.00 9.25 9.50 9.75 10.00

1 6.0788 6.2246 6.3719 6.5204 6.6704

2 6.5347 6.6915 6.8498 7.0095 7.1706

3 7.0248 7.1934 7.3635 7.5352 7.7084

4 7.5517 7.7329 7.9158 8.1003 8.2866

5 8.1181 8.3128 8.5094 8.7079 8.9081

REMAINING

PNTS 8.7269 8.9363 9.1476 9.3609 9.5762

NOTE: BECAUSE OF ROUNDING, UTILIZATION OF THESE FACTORS CAN RESULT IN

SMALL DIFFERENCES IN THE ACTUAL OUTSTANDING BALANCES AND MORTGAGE

INSURANCE PREMIUMS FROM THOSE DERIVED BY USING THE FACTORS

SHOWN IN APPENDICES 2 AND 3.

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

Page 3 6/78

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4240.2 REV

APPENDIX 1

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

PLAN IV GRADUATED PAYMENT MORTGAGE (SECTION 245)

WITH INCREASING PAYMENTS FOR10 YEARS AT 2.00 PERCENT EACH YEAR

FACTORS FOR COMPUTING MONTHLY INSTALLMEMT TO PRINCIPAL AND INTEREST

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 7.75 8.00 8.25 8.50 8.75

1 6.3019 6.4622 6.6241 6.7876 6.9527

2 6.4280 6.5914 6.7565 6.9233 7.0917

3 6.5565 6.7232 6.8917 7.0618 7.2336

4 6.6876 6.8577 7.0295 7.2030 7.3782

5 6.8214 6.9948 7.1701 7.3471 7.5258

6 6.9578 7.1347 7.3135 7.6940 7.6763

7 7.0970 7.2774 7.4598 7.6439 7.8298

8 7.2389 7.4230 7.6090 7.7968 7.9864

9 7.3837 7.5714 7.7611 7.9527 8.1462

10 7.5314 7.7229 7.9164 8.1118 8.3091

REMAINING

PNTS 7.6820 7.8773 8.0747 8.2740 8.4753

NOTE: BECAUSE OF ROUNDING, UTILIZATION OF THESE FACTORS CAN RESULT IN

SMALL DIFFERENCES IN THE ACTUAL OUTSTANDING BALANCES AND MORTGAGE

INSURANCE PREMIUMS FROM THOSE DERIVED BY USING THE FACTORS

SHOWN IN APPENDICES 2 AND 3.

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

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4240.2 REV

APPENDIX 1

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

PLAN IV GRADUATED PAYMENT MORTGAGE (SECTION 245)

WITH INCREASING PAYMENTS FOR10 YEARS AT 2.00 PERCENT EACH YEAR

FACTORS FOR COMPUTING MONTHLY INSTALLMEMT TO PRINCIPAL AND INTEREST

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 9.00 9.25 9.50 9.75 10.00

1 7.1193 7.2874 7.4570 7.6280 7.8003

2 7.2617 7.4332 7.6061 7.7805 7.9564

3 7.4069 7.5818 7.7583 7.9362 8.1155

4 7.5551 7.7335 7.9134 8.0949 8.2778

5 7.7062 7.8881 8.0717 8.2568 8.4433

6 7.8603 8.0459 8.2331 8.4219 8.6122

7 8.0175 8.2068 8.3978 8.5904 8.7845

8 8.1778 8.3710 8.5657 8.7622 8.9601

9 8.3414 8.5384 8.8371 8.9374 9.1393

10 8.5082 8.7091 8.9118 9.1162 9.3221

REMAINING

PNTS 8.6784 8.8833 9.0900 9.2985 9.5086

NOTE: BECAUSE OF ROUNDING, UTILIZATION OF THESE FACTORS CAN RESULT IN

SMALL DIFFERENCES IN THE ACTUAL OUTSTANDING BALANCES AND MORTGAGE

INSURANCE PREMIUMS FROM THOSE DERIVED BY USING THE FACTORS

SHOWN IN APPENDICES 2 AND 3.

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

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4240.2 REV

APPENDIX 1

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

PLAN V GRADUATED PAYMENT MORTGAGE (SECTION 245)

WITH INCREASING PAYMENTS FOR10 YEARS AT 3.00 PERCENT EACH YEAR

FACTORS FOR COMPUTING MONTHLY INSTALLMEMT TO PRINCIPAL AND INTEREST

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 7.75 8.00 8.25 8.50 8.75

1 5.9047 6.0582 6.2135 6.3705 6.5292

2 6.0818 6.2400 6.3999 6.5616 6.7250

3 6.2642 6.4272 6.5919 6.7585 6.9268

4 6.4522 6.6200 6.7897 6.9612 7.1346

5 6.6457 6.8186 6.9934 7.1701 7.3486

6 6.8451 7.0232 7.2032 7.3852 7.5691

7 7.0505 7.2338 7.4193 7.6067 7.7962

8 7.2620 7.4509 7.6419 7.8349 8.0301

9 7.4798 7.6744 7.8711 8.0700 8.2710

10 7.7042 7.9046 6.1073 8.3121 8.5191

REMAINING

PMTS 7.9354 8.1418 8.3505 8.5615 8.7147

NOTE: BECAUSE OF ROUNDING, UTILIZATION OF THESE FACTORS CAN RESULT IN

SMALL DIFFERENCES IN THE ACTUAL OUTSTANDING BALANCES AND MORTGAGE

INSURANCE PREMIUMS FROM THOSE DERIVED BY USING THE FACTORS

SHOWN IN APPENDICES 2 AND 3.

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

Page 5 (1 of 2) 6/78

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4240.2 REV

APPENDIX 1

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

PLAN V GRADUATED PAYMENT MORTGAGE (SECTION 245)

WITH INCREASING PAYMENTS FOR10 YEARS AT 3.00 PERCENT EACH YEAR

FACTORS FOR COMPUTING MONTHLY INSTALLMEMT TO PRINCIPAL AND INTEREST

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 9.00 9.25 9.50 9.75 10.00

1 6.6894 6.8512 7.0146 7.1794 7.3457

2 6.8901 7.0568 7.2250 7.3948 7.5661

3 7.0968 7.2685 7.4418 7.6167 7.7931

4 7.3097 7.4865 7.6650 7.8452 8.0269

5 7.5290 7.7111 7.8950 8.0805 8.2677

6 7.7549 7.9425 8.1318 8.3229 8.5157

7 7.9875 8.1807 8.3758 8.5726 8.7712

8 8.2271 8.4262 8.6271 8.8298 9.0343

9 8.4770 8.6789 8.8869 9.0947 9.3053

10 8.7282 8.9393 9.1525 9.3675 9.5845

REMAINING

PMTS 8.9900 9.2075 9.4270 9.6486 9.8720

NOTE: BECAUSE OF ROUNDING, UTILIZATION OF THESE FACTORS CAN RESULT IN

SMALL DIFFERENCES IN THE ACTUAL OUTSTANDING BALANCES AND MORTGAGE

INSURANCE PREMIUMS FROM THOSE DERIVED BY USING THE FACTORS

SHOWN IN APPENDICES 2 AND 3.

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

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