www.hudclips.org 

U. S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT
WASHINGTON, D. C. 20410-8000

March 1, 1985
OFFICE OF THE ASSISTANT SECRETARY FOR
HOUSING-FEDERAL HOUSING COMMISSIONER
Mortgagee Letter 85-3
TO:  ALL APPROVED MORTGAGEES
SUBJECT:  Growing Equity Mortgages (GEMs)
 
     Because of the vagaries of the financial climate, alternatives to the
level payment, fixed-rate mortgage are gaining in prominence.  One such
alternative, the Growing Equity Mortgage (GEM), combines features that are
favorable to borrowers, as well as attractive to lenders.
 
     GEMs have fixed interest rates but provide for scheduled increases in
monthly payments with the additional payment increments being applied to
reduce the outstanding principal balance.  This faster repayment of
principal will considerably shorten the term of the mortgage, making GEMs
more attractive to lenders and investors than other fixed-rate investments.
Because payment increases are predetermined and may be factored into the
underwriting analysis, the risk of default should be less than that on
variable rate mortgages subject to unpredictable increases.
 
     These same features, predetermined payment increases and accelerated
equity build-up from the GEM's faster repayment of principal, also benefit
homebuyers.  The shorter term and lower default probability, should
increase the yield and the safety of the investment, enabling lenders to
offer GEMs at rates below those on level payment, fixed-rate mortgages.
 
     The Department has offered a GEM program since June 1982, which
provided, under the regulations governing graduated payment mortgages
(GPM), for annual payment increases for ten years.  A final rule designed
specifically for GEMs was published in the Federal Register on May 8, 1984
(49 FR 19451) and became effective June 18, 1984.  Based upon these new
regulations, five GEM plans are being introduced, each providing annual
increases in the monthly payment over the life of the loan.  The ten year
plans devised under the GPM program are being dropped; but, outstanding
firm commitments will be honored.
 
     MAJOR FEATURES OF THE GEM PROGRAM
 
     (1)  GEMs are eligible for insurance under Sections 203(b),
          203(k) (rehabilitation), 203(n) (cooperatives), and 234(c)
          (condominiums) pursuant to Section 245(a) of the National Housing
          Act.  GEMS insured under 203(b) and 234(c) may be processed
          under the Direct Endorsement Program.  GEMs must meet all of the
          requirements of the relevant Section under which they are being
          insured except as provided below.
 
_____________________________________________________________________
                                                                      2
 
     (2)  Five specific plans are authorized.  Each provides for the
          monthly payments to be increased by a fixed percentage each year
          of the loan.  For the initial year, the monthly payments to
          principal and interest are based on a 30-year level payment
          amortization schedule.  Thereafter, the amount of the monthly
          payments due for the next 12 months will increase annually by
          one of the following fixed percentages:
 
               1 percent each year (designated as plan L)
               2 percent each year (designated as plan M)
               3 percent each year (designated as plan N)
               4 percent each year (designated as plan O)
               5 percent each year (designated as plan P)
 
          The two percent and three percent plans are not identical to our
          former GEM plans which limited monthly payment increases to ten
          years.  Therefore, only the above plan designations should be
          used for these new plans.
 
     (3)  The GEM program is available both to owner occupants and
          non-occupant mortgagors.  One- to four-family dwellings are
          eligible.
 
     (4)  The minimum cash investment is the same as under Section 203(b)
          since there is no interest deferral or negative amortization
          associated with a GEM.
 
     (5)  The maximum insurable mortgage amount is the same as under
          Section 203(b).
 
     (6)  Mortgage Insurance Premium (MIP).
 
          A GEM insured under Section 203(b) or 203(n) is subject to
          one-time MIP, using the MIP factor for the actual mortgage term.
          The actual term of the mortgage will not be more than 22 years
          and will be less depending on GEM plan and interest rate (see
          Attachment 1).
 
          A GEM insured under Section 203(k) or 234(c) is subject to
          monthly MIP using the factors contained in Attachment 2.
 
     (7)  The interest rate and any discount points are freely negotiable.
          Any increase in points to the buyer or an increase of more than
          one percent above the interest rate approved by HUD in the firm
          commitment or by the Direct Endorsement lender requires
          reprocessing.
 
     (8)  Refinancing an existing mortgage to a GEM is permissible.
 
     (9)  Assumptions are permitted under this program as in all other
          programs.
 
_____________________________________________________________________
                                                                      3
 
     COMPLIANCE WITH STATE AND LOCAL LAWS
 
     Prior to the origination of any mortgage under the GEM program, each
     mortgagee is responsible for ascertaining whether the mortgage
     provisions outlined herein are permissible under local and State laws.
 
     APPLICATION FOR MORTGAGOR APPROVAL
 
     (1)  Factors for computing each year's monthly installments under
          each of the five GEM programs are shown in Attachment 1.
          Outstanding principal balance factors are shown in Attachment 3.
 
     (2)  A completed GEM certification, see Attachment 4, must be given
          to the prospective mortgagor no later than the time a loan
          application is offered.  The certification is to be prepared in
          duplicate.  The original, signed by the borrowers, must be
          attached to the Form HUD-92900 when submitted to HUD for firm
          commitment processing.  The duplicate must be given to the
          borrower.
 
     (3)  Underwriting will be based on the first year payment to principal
          and interest as with GPM mortgages.  However, based on the type
          of employment or employment history of the applicant, there
          should be a reasonable expectation of sufficient income to pay
          the increased mortgage payments specified under the plan
          selected.  General underwriting instructions can be found in HUD
          Handbook 4155.1.
 
     NOTE AND MORTGAGE INSTRUMENT
 
     Instructions for modifying HUD's note and mortgage documents for
     GEMs, as well as examples of the modifications, are included as
     Attachment 5.  As stated in HUD Handbook 4240.3 , no specific mortgage
     form is required to be used under 203(n).  However, loan documents
     for 203(n) GEMs should include the modifications shown in Attachment
     5, adapted as required for the documents actually used.
 
     CODE IDENTIFICATION
 
     For identification and tracking, GEMs will be identified with program
     ID 00 and the following Section of the Act codes:
 
                       HUD                                     Direct
                    Processed           Coinsurance         Endorsement
 
     203(b)/245(a)     241                  243                 741
     234(c)/245(a)     242                  245                 742
     203(k)/245(a)     254                  N/A                 N/A
     203(n)/245(a)     247                  N/A                 N/A
 
_____________________________________________________________________
                                                                      4
 
     GEM plans are designated L, M, N, O, or P, according to the annual
percentage increase in monthly payments.
 
     A sample Form HUD-59100 is attached as Attachment 6.
 
     All field offices are authorized to insure GEMs under the five plans
described in this letter.
 
                              Sincerely,
 
                              Shirley McVay Wiseman
                              General Deputy Assistant Secretary for
                                Housing-Federal Housing Commissioner
 
Attachments
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     10.00         10.25         10.50         10.75         11.00
 
 1     8.775716      8.961013      9.147393      9.334814      9.523234
 2     8.863473      9.050623      9.238867      9.428162      9.618466
 3     8.952108      9.141129      9.331256      9.522443      9.714651
 4     9.041629      9.232541      9.424568      9.617668      9.811797
 5     9.132045      9.324866      9.518814      9.713844      9.909915
 
 6     9.223365      9.418115      9.614002      9.810983     10.009015
 7     9.315599      9.512296      9.710142      9.909093     10.109105
 8     9.408755      9.607419      9.807243     10.008184     10.210196
 9     9.502843      9.703493      9.905316     10.108266     10.312298
10     9.597871      9.800528     10.004369     10.209348     10.415421
 
11     9.693850      9.898533     10.104413     10.311442     10.519575
12     9.790788      9.997519     10.205457     10.414556     10.624771
13     9.888696     10.097494     10.307511     10.518702     10.731018
14     9.987583     10.198469     10.410586     10.623889     10.838329
15    10.087459     10.300453     10.514692     10.730128     10.946712
 
16    10.188333     10.403458     10.619839     10.837429     11.056179
17    10.290217     10.507492     10.726038     10.945803     11.166741
18    10.393119     10.612567     10.833298     11.055261     11.278408
19    10.497050     10.718693     10.941631     11.165814     11.391192
20    10.602021     10.825880     11.051047     11.277472     11.505104
 
21    10.708041     10.934139     11.161558     11.390247     11.620155
22    10.815121     11.043480     11.273173     11.504149     11.736357
 
TERM IN MONTHS
          263           261           259           257           255
 
                                                                 Page 1(a)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     11.25         11.50         11.75         12.00         12.25
 
 1     9.712614      9.902914     10.094097     10.286126     10.478964
 2     9.809740     10.001943     10.195038     10.388987     10.583754
 3     9.907837     10.101963     10.296989     10.492877     10.689592
 4    10.006916     10.202983     10.399959     10.597806     10.796487
 5    10.106985     10.305012     10.503958     10.703784     10.904452
 
 6    10.208055     10.408062     10.608998     10.810822     11.013497
 7    10.310135     10.512143     10.715088     10.918930     11.123632
 8    10.413237     10.617265     10.822239     11.028119     11.234868
 9    10.517369     10.723437     10.930461     11.138400     11.347217
10    10.622543     10.830672     11.039766     11.249784     11.460689
 
11    10.728768     10.938978     11.150163     11.362282     11.575296
12    10.836056     11.048368     11.261665     11.475905     11.691049
13    10.944416     11.158852     11.374282     11.590664     11.807959
14    11.053861     11.270440     11.488024     11.706571     11.926039
15    11.164399     11.383145     11.602905     11.823637     12.045299
 
16    11.276043     11.496976     11.718934     11.941873     12.165752
17    11.388804     11.611946     11.836123     12.061292     12.287410
18    11.502692     11.728065     11.954484     12.181905     12.410284
19    11.617719     11.845346     12.074029     12.303724     12.534387
20    11.733896     11.963799     12.194769     12.426761     12.659731
 
21    11.851235     12.083437     12.316717     12.551028     12.786328
22    11.969747
 
TERM IN MONTHS
          254           252           250           248           246
 
                                                                 Page 1(b)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     12.50         12.75         13.00         13.25         13.50
 
 1    10.672578     10.866932     11.061995     11.257735     11.454122
 2    10.779303     10.975601     11.172615     11.370313     11.568663
 3    10.887096     11.085357     11.284341     11.484016     11.684350
 4    10.995967     11.196211     11.397185     11.598856     11.801193
 5    11.105927     11.308173     11.511157     11.714844     11.919205
 
 6    11.216986     11.421255     11.626268     11.831993     12.038397
 7    11.329156     11.535467     11.742531     11.950313     12.158781
 8    11.442448     11.650822     11.859956     12.069816     12.280369
 9    11.556872     11.767330     11.978556     12.190514     12.403173
10    11.672441     11.885004     12.098341     12.312419     12.527204
 
11    11.789165     12.003854     12.219325     12.435543     12.652476
12    11.907057     12.123892     12.341518     12.559899     12.779001
13    12.026128     12.245131     12.464933     12.685498     12.906791
14    12.146389     12.367582     12.589582     12.812353     13.035859
15    12.267853     12.491258     12.715478     12.940476     13.166218
 
16    12.390531     12.616171     12.842633     13.069881     13.297880
17    12.514437     12.742333     12.971059     13.200580     13.430859
18    12.639581     12.869756     13.100770     13.332586     13.565167
19    12.765977     12.998453     13.231778     13.465912     13.700819
20    12.893637     13.128438     13.364095     13.600571     13.837827
 
21    13.022573     13.259722     13.497736
 
TERM IN MONTHS
          244           243           241           239           237
 
                                                                Page 2(a)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     13.75         14.00         14.25         14.50         14.75
 
 1    11.651125     11.848718     12.046871     12.245559     12.444757
 2    11.767637     11.967205     12.167340     12.368015     12.569205
 3    11.885313     12.086877     12.289013     12.491695     12.694897
 4    12.004166     12.207746     12.411903     12.616612     12.821846
 5    12.124208     12.329823     12.536022     12.742778     12.950064
 
 6    12.245450     12.453121     12.661382     12.870206     13.079565
 7    12.367904     12.577652     12.787996     12.998908     13.210360
 8    12.491583     12.703429     12.915876     13.128897     13.342464
 9    12.616499     12.830463     13.045035     13.260186     13.475889
10    12.742664     12.958768     13.175485     13.392788     13.610648
 
11    12.870091     13.088356     13.307240     13.526716     13.746754
12    12.998792     13.219239     13.440313     13.661983     13.884222
13    13.128780     13.351431     13.574716     13.798603     14.023064
14    13.260067     13.484946     13.710463     13.936589     14.163295
15    13.392668     13.619795     13.847568     14.075955     14.304927
 
16    13.526595     13.755993     13.986043     14.216714     14.447977
17    13.661861     13.893553     14.125904     14.358881     14.592456
18    13.798479     14.032489     14.267163     14.502470     14.738381
19    13.936464     14.172814     14.409834     14.647495     14.885765
20    14.075829     14.314542     14.553933     14.793970
 
21
 
TERM IN MONTHS
          235           234           232           230           228
 
                                                                Page 2(b)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     15.00         15.25         15.50         15.75         16.00
 
 1    12.644440     12.844585     13.045169     13.246171     13.447570
 2    12.770885     12.973031     13.175621     13.378633     13.582046
 3    12.898593     13.102761     13.307377     13.512419     13.717866
 4    13.027579     13.233789     13.440451     13.647543     13.855045
 5    13.157855     13.366127     13.574855     13.784019     13.993595
 
 6    13.289434     13.499788     13.710604     13.921859     14.133531
 7    13.422328     13.634786     13.847710     14.061077     14.274867
 8    13.556551     13.771134     13.986187     14.201686     14.417615
 9    13.692117     13.908845     14.126049     14.343705     14.561791
10    13.829038     14.047933     14.267309     14.487142     14.707409
 
11    13.967328     14.188413     14.409982     14.632014     14.85448i
12    14.107002     14.330297     14.554082     14.778334     15.003028
13    14.248072     14.473600     14.699623     14.926117     15.153058
14    14.390552     14.618336     14.846619     15.075378     15.304589
15    14.534458     14.764519     14.995086     15.226132     15.457635
 
16    14.679803     14.912164     15.145036     15.378393     15.612211
17    14.826601     15.061286     15.296487     15.532177     15.768333
18    14.974867     15.211899     15.449452     15.687499     15.926017
19    15.124615     15.364018     15.603946     15.844374     16.085277
 
TERM IN MONTHS
          226           225           223           221           219
 
                                                                Page 3(a)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     16.25         16.50         16.75         17.00         17.25
 
 1    13.649346     13.851481     14.053956     14.256753     14.459858
 2    13.785840     13.989996     14.194495     14.399321     14.604456
 3    13.923698     14.129896     14.336440     14.543314     14.750501
 4    14.062935     14.271195     14.479805     14.688747     14.898006
 5    14.203564     14.413906     14.624603     14.835635     15.046986
 
 6    14.345600     14.558046     14.770849     14.983991     15.197456
 7    14.489056     14.703626     14.918557     15.133831     15.349430
 8    14.633947     14.850662     15.067743     15.285169     15.502924
 9    14.780286     14.999169     15.218420     15.438021     15.657954
10    14.928089     15.149161     15.370604     15.592401     15.814533
 
11    15.077370     15.300652     15.524310     15.748325     15.972679
12    15.228144     15.453659     15.679553     15.905809     16.132405
13    15.380425     15.608195     15.836349     16.064867     16.293729
14    15.534229     15.764277     15.994713     16.225515     16.456667
15    15.689572     15.921920     16.154660     16.387770     16.621233
 
16    15.846467     16.081139     16.316206     16.551648     16.787446
17    16.004932     16.241951     16.479368     16.717165     16.955320
18    16.164981     16.404370     16.644162     16.884336     17.124873
19    16.326631
 
TERM IN MONTHS
          218           216           214           213           211
 
                                                                Page 3(b)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     10.00         10.25         10.50         10.75         11.00
 
 1     8.775716      8.961013      9.147393      9.334814      9.523234
 2     8.951230      9.140233      9.330341      9.521510      9.713699
 3     9.130255      9.323038      9.516948      9.711940      9.907973
 4     9.312860      9.509499      9.707287      9.906179     10.106132
 5     9.499117      9.699689      9.901432     10.104302     10.308255
 
 6     9.689099      9.893682     10.099461     10.306389     10.514420
 7     9.882881     10.091556     10.301450     10.512516     10.724708
 8    10.080539     10.293387     10.507479     10.722767     10.939202
 9    10.282150     10.499255     10.717629     10.937222     11.157986
10    10.487793     10.709240     10.931981     11.155966     11.381146
 
11    10.697548     10.923425     11.150621     11.379086     11.608769
12    10.911499     11.141893     11.373633     11.606667     11.840944
13    11.129729     11.364731     11.601106     11.838801     12.077763
14    11.352324     11.592026     11.833128     12.075577     12.319319
15    11.579371     11.823866     12.069791     12.317088     12.565705
 
16    11.810958     12.060344     12.311187     12.563430     12.817019
17    12.047177     12.301551     12.557410     12.814699     13.073359
18    12.288121     12.547582     12.808558     13.070993     13.334827
19    12.533883     12.798533     13.064730
 
TERM IN MONTHS
          220           219           217           215           213
 
                                                                Page 4(a)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     11.25         11.50         11.75         12.00         12.25
 
 1     9.712614      9.902914     10.094097     10.286126     10.478964
 2     9.906866     10.100973     10.295979     10.491848     10.688544
 3    10.105003     10.302992     10.501899     10.701685     10.902314
 4    10.307104     10.509052     10.711937     10.915719     11.120361
 5    10.513246     10.719233     10.926176     11.134034     11.342768
 
 6    10.723511     10.933618     11.144699     11.356714     11.569623
 7    10.937981     11.152290     11.367593     11.583849     11.801016
 8    11.156740     11.375336     11.594945     11.815525     12.037036
 9    11.379875     11.602842     11.826844     12.051836     12.277777
10    11.607473     11.834899     12.063381     12.292873     12.523332
 
11    11.839622     12.071597     12.304648     12.538730     12.773799
12    12.076415     12.313029     12.550741     12.789505     13.029275
13    12.317943     12.559290     12.801756     13.045295     13.289861
14    12.564302     12.810476     13.057791     13.306201     13.555658
15    12.815588     13.066685     13.318947     13.572325     13.826771
 
16    13.071899     13.328019     13.585326     13.843771     14.103306
17    13.333337     13.594579     13.857033     14.120647     14.385372
18    13.600004     13.866471     14.134173     14.403060     14.673080
19
 
TERM IN MONTHS
          212           210           208           206           205
 
                                                                Page 4(b)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     12.50         12.75         13.00         13.25         13.50
 
 1    10.672578     10.866932     11.061995     11.257735     11.454122
 2    10.886029     11.084271     11.283235     11.482890     11.683204
 3    11.103750     11.305956     11.508900     11.712548     11.916868
 4    11.325825     11.532075     11.739078     11.946799     12.155206
 5    11.552341     11.762717     11.973859     12.185735     12.398310
 
 6    11.783388     11.997971     12.213337     12.429449     12.646276
 7    12.019056     12.237931     12.457603     12.678038     12.899201
 8    12.259437     12.482689     12.706755     12.931599     13.157186
 9    12.504626     12.732343     12.960890     13.190231     13.420329
10    12.754718     12.986990     13.220108     13.454036     13.688736
 
11    13.009813     13.246730     13.484510     13.723116     13.962511
12    13.270009     13.511664     13.754201     13.997579     14.241761
13    13.535409     13.781898     14.029285     14.277530     14.526596
14    13.806117     14.057535     14.309870     14.563081     14.817128
15    14.082240     14.338686     14.596068     14.854343     15.113470
 
16    14.363884     14.625460     14.887989     15.151429     15.415740
17    14.651162     14.917969     15.185749     15.454458     15.724055
 
TERM IN MONTHS
          203           201           200           198           196
 
                                                                Page 5(a)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     13.75         14.00         14.25         14.50         14.75
 
 1    11.651125     11.848718     12.046871     12.245559     12.444757
 2    11.884148     12.085692     12.287808     12.490470     12.693652
 3    12.121831     12.327406     12.533565     12.740280     12.947525
 4    12.364267     12.573954     12.784236     12.995085     13.206476
 5    12.611553     12.825433     13.039921     13.254987     13.470605
 
 6    12.863784     13.081942     13.300719     13.520087     13.740017
 7    13.121059     13.343580     13.566733     13.790489     14.014818
 8    13.383481     13.610452     13.838068     14.066298     14.295114
 9    13.651150     13.882661     14.114829     14.347624     14.581016
10    13.924173     14.160314     14.397126     14.634577     14.872637
 
11    14.202657     14.443521     14.685068     14.927268     15.170090
12    14.486710     14.732391     14.978770     15.225814     15.473491
13    14.776444     15.027039     15.278345     15.530330     15.782961
14    15.071973     15.327580     15.583912     15.840937     16.098620
15    15.373412     15.634131     15.895590     16.157755     16.420593
 
16    15.680881     15.946814     16.213502     16.480911     16.749005
17    15.994498     16.265750
 
TERM IN MONTHS
          195           193           191           190           188
 
                                                                Page 5(b)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     15.00         15.25         15.50         15.75         16.00
 
 1    12.644440     12.844585     13.045169     13.246171     13.447570
 2    12.897329     13.101477     13.306073     13.511094     13.716521
 3    13.155276     13.363506     13.572194     13.781316     13.990852
 4    13.418381     13.630776     13.843638     14.056943     14.270669
 5    13.686749     13.903392     14.120511     14.338082     14.556082
 
 6    13.960484     14.181460     14.402921     14.624843     14.847204
 7    14.239693     14.465089     14.690979     14.917340     15.144148
 8    14.524487     14.754391     14.984799     15.215687     15.447031
 9    14.814977     15.049479     15.284495     15.520001     15.755972
10    15.111277     15.350468     15.590185     15.830401     16.071091
 
11    15.413502     15.657477     15.901988     16.147009     16.392513
12    15.721772     15.970627     16.220028     16.469949     16.720363
13    16.036208     16.290040     16.544429     16.799348     17.054770
14    16.356932     16.615840     16.875317     17.135335     17.395866
15    16.684070     16.948157     17.212824     17.478041     17.743783
 
16    17.017752     17.287120     17.557080     17.827602     18.098659
 
TERM IN MONTHS
          187           185           184           182           181
 
                                                                Page 6(a)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     16.25         16.50         16.75         17.00         17.25
 
 1    13.649346     13.851481     14.053956     14.256753     14.459858
 2    13.922333     14.128510     14.335035     14.541889     14.749055
 3    14.200780     14.411081     14.621735     14.832726     15.044036
 4    14.484795     14.699302     14.914170     15.129381     15.344917
 5    14.774491     14.993288     15.212454     15.431968     15.651815
 
 6    15.069981     15.293154     15.516703     15.740608     15.964851
 7    15.371381     15.599017     15.827037     16.055420     16.284148
 8    15.678808     15.910998     16.143577     16.376528     16.609831
 9    15.992385     16.229217     16.466449     16.704059     16.942028
10    16.312232     16.553802     16.795778     17.038140     17.280868
 
11    16.638477     16.884878     17.131694     17.378903     17.626486
12    16.971246     17.222575     17.474327     17.726481     17.979015
13    17.310671     17.567027     17.823814     18.081011     18.338596
14    17.656885     17.918367     18.180290     18.442631     18.705368
15    18.010022     18.276735     18.543896     18.811483     19.079475
 
16
 
TERM IN MONTHS
          179           178           176           175           174
 
                                                                Page 6(b)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     10.00         10.25         10.50         10.75         11.00
 
 1     8.775716      8.961013      9.147393      9.334814      9.523234
 2     9.038987      9.229843      9.421815      9.614858      9.808931
 3     9.310157      9.506739      9.704469      9.903304     10.103199
 4     9.589461      9.791941      9.995603     10.200403     10.406295
 5     9.877145     10.085699     10.295471     10.506415     10.718484
 
 6    10.173460     10.388270     10.604335     10.821607     11.040038
 7    10.478663     10.699918     10.922466     11.146256     11.371239
 8    10.793023     11.020916     11.250140     11.480643     11.712377
 9    11.116814     11.351543     11.587644     11.825063     12.063748
10    11.450319     11.692089     11.935273     12.179815     12.425660
 
11    11.793828     12.042852     12.293331     12.545209     12.798430
12    12.147643     12.404138     12.662131     12.921565     13.182383
13    12.512072     12.776262     13.041995     13.309212     13.577854
14    12.887434     13.159550     13.433255     13.708489     13.985190
15    13.274057     13.554336     13.836253     14.119743     14.404746
 
16    13.672279     13.960966     14.251340     14.543335     14.836888
17    14.082447     14.379795
 
TERM IN MONTHS
          194           193           191           189           188
 
                                                                Page 7(a)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     11.25         11.50         11.75         12.00         12.25
 
 1     9.712614      9.902914     10.094097     10.286126     10.478964
 2    10.003992     10.200002     10.396920     10.594710     10.793333
 3    10.304112     10.506002     10.708828     10.912551     11.117133
 4    10.613235     10.821182     11.030093     11.239928     11.450647
 5    10.931632     11.145817     11.360995     11.577125     11.794167
 
 6    11.259581     11.480192     11.701825     11.924439     12.147992
 7    11.597369     11.824598     12.052880     12.282172     12.512431
 8    11.945290     12.179336     12.414467     12.650638     12.887804
 9    12.303649     12.544716     12.786901     13.030157     13.274438
10    12.672758     12.921057     13.170508     13.421061     13.672672
 
11    13.052941     13.308689     13.565623     13.823693     14.082852
12    13.444529     13.707949     13.972591     14.238404     14.505337
13    13.847865     14.119188     14.391769     14.665556     14.940497
14    14.263301     14.542764     14.823522     15.105523     15.388712
15    14.691200     14.979046     15.268228     15.558688     15.850374
 
16    15.131936     15.428418     15.726275     16.025449
17
 
TERM IN MONTHS
          186           185           183           182           180
 
                                                                Page 7(b)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     12.50         12.75         13.00         13.25         13.50
 
 1    10.672578     10.866932     11.061995     11.257735     11.454122
 2    10.992755     11.192940     11.393855     11.595467     11.797745
 3    11.322538     11.528728     11.735671     11.943331     12.151678
 4    11.662214     11.874590     12.087741     12.301631     12.516228
 5    12.012080     12.230828     12.450373     12.670680     12.891715
 
 6    12.372443     12.597753     12.823884     13.050801     13.278466
 7    12.743616     12.975685     13.208601     13.442325     13.676820
 8    13.125924     13.364956     13.604859     13.845594     14.087125
 9    13.519702     13.765904     14.013005     14.260962     14.509739
10    13.925293     14.178882     14.433395     14.688791     14.945031
 
11    14.343052     14.604248     14.866397     15.129455     15.393382
12    14.773343     15.042376     15.312388     15.583338     15.855183
13    15.216544     15.493647     15.771760     16.050839     16.330839
14    15.673040     15.958456     16.244913     16.532364     16.820764
15    16.143231     16.437210     16.732260     17.028335     17.325387
 
TERM IN MONTHS
          178           177           175           174           173
 
                                                                Page 8(a)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     13.75         14.00         14.25         14.50         14.75
 
 1    11.651125     11.848718     12.046871     12.245559     12.444757
 2    12.000659     12.204179     12.408277     12.612926     12.818100
 3    12.360679     12.570304     12.780525     12.991314     13.202643
 4    12.731499     12.947414     13.163941     13.381053     13.598722
 5    13.113444     13.335836     13.558859     13.782485     14.006684
 
 6    13.506848     13.735911     13.965625     14.195959     14.426884
 7    13.912053     14.147988     14.384594     14.621838     14.859691
 8    14.329415     14.572428     14.816132     15.060493     15.305482
 9    14.759297     15.009601     15.260616     15.512308     15.764646
10    15.202076     15.459889     15.718434     15.977677     16.237585
 
11    15.658138     15.923686     16.189987     16.457008     16.724713
12    16.127882     16.401396     16.675687     16.950718     17.226454
13    16.611719     16.893438     17.175957     17.459239     17.743248
14    17.110070     17.400241     17.691236     17.983017     18.275545
15    17.623372     17.922248
 
TERM IN MONTHS
          171           170           168           167           165
 
                                                                Page 8(b)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     15.00         15.25         15.50         15.75         16.00
 
 1    12.644440     12.844585     13.045169     13.246171     13.447570
 2    13.023773     13.229923     13.436524     13.643556     13.850997
 3    13.414487     13.626820     13.839620     14.052863     14.266527
 4    13.816921     14.035625     14.254809     14.474449     14.694523
 5    14.231429     14.456694     14.682453     14.908682     15.135358
 
 6    14.658372     14.890394     15.122926     15.355943     15.589419
 7    15.098123     15.337106     15.576614     15.816621     16.057102
 8    15.551067     15.797219     16.043913     16.291120     16.538815
 9    16.017599     16.271136     16.525230     16.779853     17.034979
10    16.498127     16.759270     17.020987     17.283249     17.546029
 
11    16.993070     17.262048     17.531617     17.801746     18.072410
12    17.502862     17.779910     18.057565     18.335799     18.614582
13    18.027948     18.313307     18.599292     18.885873     19.173019
14    18.568787     18.862706     19.157271     19.452449     19.748210
 
TERM IN MONTHS
          164           163           161           160           159
 
                                                                Page 9(a)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     16.25         16.50         16.75         17.00         17.25
 
 1    13.649346     13.851481     14.053956     14.256753     14.459858
 2    14.058827     14.267025     14.475574     14.684456     14.893653
 3    14.480591     14.695036     14.909842     15.124990     15.340463
 4    14.915009     15.135887     15.357137     15.578739     15.800677
 5    15.362459     15.589964     15.817851     16.046102     16.274697
 
 6    15.823333     16.057663     16.292386     16.527485     16.762938
 7    16.298033     16.539392     16.781158     17.023309     17.265826
 8    16.786974     17.035574     17.284593     17.534008     17.783801
 9    17.290583     17.546642     17.803131     18.060029     18.317315
10    17.809301     18.073041     18.337224     18.601830     18.866834
 
11    18.343580     18.615232     18.887341     19.159884     19.432839
12    18.893887     19.173689     19.453961     19.734681     20.015825
13    19.460704     19.748900     20.037580     20.326721     20.616299
14    20.044525
 
TERM IN MONTHS
          158           156           155           154           153
 
                                                                Page 9(b)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     10.00         10.25         10.50         10.75         11.00
 
 1     8.775716      8.961013      9.147393      9.334814      9.523234
 2     9.126744      9.319453      9.513289      9.708206      9.904163
 3     9.491814      9.692232      9.893820     10.096534     10.300330
 4     9.871487     10.079921     10.289573     10.500396     10.712343
 5    10.266346     10.483118     10.701156     10.920412     11.140837
 
 6    10.677000     10.902442     11.129202     11.357228     11.586470
 7    11.104080     11.338540     11.574370     11.811517     12.049929
 8    11.548243     11.792082     12.037345     12.283978     12.531926
 9    12.010173     12.263765     12.518839     12.775337     13.033203
10    12.490580     12.754316     13.019592     13.286351     13.554531
 
11    12.990203     13.264488     13.540376     13.817805     14.096713
12    13.509811     13.795068     14.081991     14.370517     14.660581
13    14.050204     14.346870     14.645271     14.945337     15.247004
14    14.612212     14.920745     15.231082     15.543151     15.856885
15    15.196700     15.517575     15.840325     16.164877     16.491160
 
TERM IN MONTHS
          176           175           173           172           170
 
                                                                Page 10(a)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     11.25         11.50         11.75         12.00         12.25
 
 1     9.712614      9.902914     10.094097     10.286126     10.478964
 2    10.101118     10.299031     10.497861     10.697571     10.898123
 3    10.505163     10.710992     10.917776     11.125474     11.334048
 4    10.925370     11.139432     11.354487     11.570493     11.787410
 5    11.362384     11.585009     11.808666     12.033313     12.258906
 
 6    11.816880     12.048409     12.281013     12.514645     12.749262
 7    12.289555     12.530346     12.772253     13.015231     13.259233
 8    12.781137     13.031560     13.283143     13.535840     13.789602
 9    13.292383     13.552822     13.814469     14.077274     14.341186
10    13.824078     14.094935     14.367048     14.640365     14.914834
 
11    14.377041     14.658732     14.941730     15.225979     15.511427
12    14.952123     15.245082     15.539399     15.835018     16.131884
13    15.550208     15.854885     16.160975     16.468419     16.777160
14    16.172216     16.489080     16.807414     17.127156     17.448246
15    16.819105
 
TERM IN MONTHS
          169           167           166           164           163
 
                                                                Page 10(b)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     12.50         12.75         13.00         13.25         13.50
 
 1    10.672578     10.866932     11.061995     11.257735     11.454122
 2    11.099481     11.301609     11.504475     11.708045     11.912287
 3    11.543460     11.753674     11.964654     12.176366     12.388778
 4    12.005198     12.223821     12.443240     12.663421     12.884329
 5    12.485406     12.712774     12.940970     13.169958     13.399702
 
 6    12.984823     13.221285     13.458609     13.696756     13.935691
 7    13.504215     13.750136     13.996953     14.244627     14.493118
 8    14.044384     14.300141     14.556831     14.814412     15.072843
 9    14.606159     14.872147     15.139104     15.406988     15.675757
10    15.190406     15.467033     15.744668     16.023268     16.302787
 
11    15.798022     16.085714     16.374455     16.664198     16.954898
12    16.429943     16.729143     17.029433     17.330766     17.633094
13    17.087141     17.398308     17.710611     18.023997     18.338418
14    17.770626     18.094241     18.419035     18.744957
 
TERM IN MONTHS
          162           160           159           158           156
 
                                                                Page 11(a)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     13.75         14.00         14.25         14.50         14.75
 
 1    11.651125     11.848718     12.046871     12.245559     12.444757
 2    12.117170     12.322666     12.528746     12.735382     12.942547
 3    12.601857     12.815573     13.029896     13.244797     13.460249
 4    13.105931     13.328196     13.551091     13.774589     13.998659
 5    13.630169     13.861324     14.093135     14.325572     14.558606
 
 6    14.175375     14.415777     14.656861     14.898595     15.140950
 7    14.742390     14.992408     15.243135     15.494539     15.746588
 8    15.332086     15.592104     15.852860     16.114321     16.376451
 9    15.945370     16.215788     16.486975     16.758893     17.031509
10    16.583184     16.864420     17.146454     17.429249     17.712770
 
11    17.246512     17.538996     17.832312     18.126419     18.421281
12    17.936372     18.240556     18.545604     18.851476     19.158132
13    18.653827     18.970178     19.287429     19.605535     19.924457
14
 
TERM IN MONTHS
          155           154           152           151           150
 
                                                                Page 11(b)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     15.00         15.25         15.50         15.75         16.00
 
 1    12.644440     12.844585     13.045169     13.246171     13.447570
 2    13.150218     13.358368     13.566976     13.776018     13.985473
 3    13.676227     13.892703     14.109655     14.327059     14.544892
 4    14.223276     14.448411     14.674041     14.900141     15.126687
 5    14.792207     15.026348     15.261003     15.496147     15.731755
 
 6    15.383895     15.627402     15.871443     16.115992     16.361025
 7    15.999251     16.252498     16.506301     16.760632     17.015466
 8    16.639221     16.902598     17.166553     17.431057     17.696085
 9    17.304790     17.578702     17.853215     18.128300     18.403928
10    17.996981     18.281850     18.567343     18.853432     19.140085
 
11    18.716860     19.013124     19.310037     19.607569     19.905689
12    19.465535     19.773649     20.082439     20.391872     20.701916
13    20.244156     20.564594     20.885736     21.207547
 
TERM IN MONTHS
          149           148           146           145           144
 
                                                                Page 12(a)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     16.25         16.50         16.75         17.00         17.25
 
 1   13.649346   13.851481   14.053956   14.256753   14.459858
 2   14.195320   14.405540   14.616114   14.827024   15.038252
 3   14.763133   14.981762   15.200758   15.420105   15.639782
 4   15.353658   15.581032   15.808789   16.036909   16.265373
 5   15.967805   16.204273   16.441140   16.678385   16.915988
 
 6   16.606517   16.852444   17.098786   17.345520   17.592628
 7   17.270777   17.526542   17.782737   18.039341   18.296333
 8   17.961608   18.227604   18.494047   18.760915   19.028186
 9   18.680073   18.956708   19.233809   19.511352   19.789314
10   19.427276   19.714976   20.003161   20.291806   20.580886
 
11   20.204367   20.503575   20.803288   21.103478   21.404122
12   21.012541   21.323718   21.635419   21.947617   22.260286
13
 
TERM IN MONTHS
          143           142           141           140           139
 
                                                                Page 12(b)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     10.00         10.25         10.50         10.75         11.00
 
 1     8.775716      8.961013      9.147393      9.334814      9.523234
 2     9.214501      9.409064      9.604763      9.801554      9.999396
 3     9.675227      9.879517     10.085001     10.291632     10.499365
 4    10.158988     10.373493     10.589251     10.806214     11.024334
 5    10.666937     10.892167     11.118713     11.346524     11.575550
 
 6    11.200284     11.436776     11.674649     11.913851     12.154328
 7    11.760298     12.008614     12.258381     12.509543     12.762044
 8    12.348313     12.609045     12.871300     13.135020     13.400147
 9    12.965729     13.239497     13.514865     13.791771     14.070154
10    13.614015     13.901472     14.190609     14.481360     14.773662
 
11    14.294716     14.596546     14.900139     15.205428     15.512345
12    15.009452     15.326373     15.645146     15.965699     16.287962
13    15.759925     16.092692     16.427403     16.763984     17.102360
14    16.547921     16.897326     17.248774     17.602183     17.957478
 
TERM IN MONTHS
          162           161           160           158           157
 
                                                                Page 13(a)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     11.25         11.50         11.75         12.00         12.25
 
 1     9.712614      9.902914     10.094097     10.286126     10.478964
 2    10.198245     10.398060     10.598802     10.800432     11.002913
 3    10.708157     10.917963     11.128742     11.340454     11.553058
 4    11.243565     11.463861     11.685179     11.907477     12.130711
 5    11.805743     12.037054     12.269438     12.502850     12.737247
 
 6    12.396030     12.638907     12.882910     13.127993     13.374109
 7    13.015831     13.270852     13.527056     13.784393     14.042814
 8    13.666623     13.934395     14.203409     14.473612     14.744955
 9    14.349954     14.631115     14.913579     15.197293     15.482203
10    15.067452     15.362670     15.659258     15.957157     16.256313
 
11    15.820825     16.130804     16.442221     16.755015     17.069129
12    16.611866     16.937344     17.264332     17.592766     17.922585
13    17.442459     17.784211     18.127549     18.472404     18.818714
14
 
TERM IN MONTHS
          155           154           153           151           150
 
                                                                Page 13(b)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     12.50         12.75         13.00         13.25         13.50
 
 1    10.672578     10.866932     11.061995     11.257735     11.454122
 2    11.206207     11.410279     11.615095     11.820622     12.026828
 3    11.766517     11.980793     12.195850     12.411653     12.628169
 4    12.354843     12.579832     12.805642     13.032236     13.259578
 5    12.972585     13.208824     13.445924     13.683848     13.922557
 
 6    13.621214     13.869265     14.118220     14.368040     14.618684
 7    14.302275     14.562728     14.824132     15.086442     15.349619
 8    15.017388     15.290865     15.565338     15.840764     16.117100
 9    15.768258     16.055408     16.343605     16.632802     16.922955
10    16.556671     16.858178     17.160785     17.464442     17.769102
 
11    17.384504     17.701087     18.018824     18.337664     18.657557
12    18.253730     18.586142     18.919766     19.254548     19.590435
13    19.166416     19.515449     19.865754     20.217275
 
TERM IN MONTHS
          149           148           146           145           144
 
                                                                Page 14(a)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     13.75         14.00         14.25         14.50         14.75
 
 1    11.651125     11.848718     12.046871     12.245559     12.444757
 2    12.233682     12.441153     12.649214     12.857837     13.066995
 3    12.845366     13.063211     13.281675     13.500729     13.720345
 4    13.487634     13.716372     13.945759     14.175766     14.406362
 5    14.162016     14.402190     14.643047     14.884554     15.126680
 
 6    14.870116     15.122300     15.375199     15.628782     15.883014
 7    15.613622     15.878415     16.143959     16.410221     16.677165
 8    16.394303     16.672335     16.951157     17.230732     17.511023
 9    17.214019     17.505952     17.798715     18.092268     18.386574
10    18.074719     18.381250     18.688651     18.996882     19.305903
 
11    18.978455     19.300312     19.623083     19.946726     20.271198
12    19.927378     20.265328     20.604237     20.944062     21.284758
13
 
TERM IN MONTHS
          143           142           141           139           138
 
                                                                Page 14(b)
 
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     15.00         15.25         15.50         15.75         16.00
 
 1    12.644440     12.844585     13.045169     13.246171     13.447570
 2    13.276662     13.486814     13.697428     13.908480     14.119948
 3    13.940495     14.161155     14.382299     14.603904     14.825946
 4    14.637520     14.869213     15.101414     15.334099     15.567243
 5    15.369396     15.612673     15.856485     16.100804     16.345605
 
 6    16.137866     16.393307     16.649309     16.905944     17.162886
 7    16.944759     17.212972     17.481774     17.751136     18.021030
 8    17.791997     18.073621     18.355863     19.638693     18.922081
 9    18.681597     18.977302     19.273656     19.570627     19.868185
10    19.615677     19.926167     20.237339     20.549159     20.861595
 
11    20.596461     20.922476     21.249206     21.576617     21.904674
12    21.626284     21.968599     22.311666     22.655448     22.999908
 
TERM IN MONTHS
          137           136           135           134           133
 
                                                                 Page 15(a)
_____________________________________________________________________
                                                               Attachment 1
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
   MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS
 
                MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
YEAR     16.25         16.50         16.75         17.00         17.25
 
 1    13.649346     13.851481     14.053956     14.256753     14.459858
 2    14.331814     14.544055     14.756653     14.969591     15.182850
 3    15.048404     15.271258     15.494486     15.718071     15.941993
 4    15.800824     16.034820     16.269210     16.503974     16.739093
 5    16.590866     16.836562     17.082671     17.329173     17.576047
 
 6    17.420409     17.678390     17.936804     18.195632     18.454850
 7    18.291429     18.562309     18.833645     19.105413     19.377592
 8    19.206001     19.490425     19.775327     20.060684     20.346472
 9    20.166301     20.464946     20.764093     21.063718     21.363795
10    21.174616     21.488193     21.802298     22.116904     22.431985
 
11    22.233347     22.562603     22.892413     23.222749     23.553584
12
 
TERM IN MONTHS
          132           131           130           129           128
 
                                                                 Page 15(b)
 
_____________________________________________________________________
                                                               Attachment 2
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
        WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                MONTHLY MORTGAGE INSURANCE PREMIUM FACTORS
             (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
PREMIUM           MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
 YEAR  10.00  10.25  10.50  10.75  11.00  11.25  11.50  11.75  12.00  12.25
 
  1    .4156  .4157  .4157  .4158  .4158  .4159  .4159  .4160  .4160  .4160
  2    .4130  .4132  .4133  .4135  .4136  .4138  .4139  .4140  .4141  .4143
  3    .4096  .4099  .4102  .4104  .4107  .4109  .4111  .4113  .4115  .4117
  4    .4054  .4058  .4062  .4065  .4069  .4072  .4075  .4078  .4080  .4083
  5    .4003  .4008  .4013  .4017  .4021  .4025  .4029  .4032  .4035  .4038
 
  6    .3942  .3948  .3953  .3958  .3963  .3967  .3971  .3975  .3979  .3982
  7    .3870  .3876  .3882  .3887  .3892  .3897  .3902  .3906  .3909  .3913
  8    .3785  .3792  .3798  .3804  .3809  .3814  .3818  .3822  .3826  .3829
  9    .3687  .3693  .3700  .3705  .3710  .3715  .3719  .3722  .3726  .3728
 10    .3573  .3579  .3585  .3590  .3595  .3598  .3602  .3605  .3607  .3608
 
 11    .3443  .3448  .3453  .3457  .3460  .3463  .3465  .3466  .3467  .3467
 12    .3293  .3297  .3301  .3303  .3305  .3306  .3306  .3305  .3304  .3301
 13    .3123  .3125  .3126  .3127  .3126  .3124  .3122  .3118  .3114  .3108
 14    .2930  .2929  .2928  .2925  .2921  .2915  .2909  .2902  .2893  .2883
 15    .2712  .2707  .2701  .2694  .2686  .2676  .2665  .2653  .2639  .2623
 
 16    .2465  .2456  .2445  .2432  .2418  .2403  .2385  .2366  .2346  .2323
 17    .2187  .2172  .2155  .2135  .2114  .2091  .2066  .2039  .2009  .1978
 18    .1875  .1852  .1827  .1799  .1769  .1736  .1701  .1664  .1624  .1581
 19    .1525  .1492  .1457  .1419  .1377  .1333  .1287  .1236  .1183  .1127
 20    .1133  .1088  .1041  .0989  .0935  .0877  .0815  .0750  .0680  .0607
 
 21    .0694  .0635  .0573  .0506  .0435  .0360  .0280  .0246  .0209  .0171
 22    .0225  .0195  .0164  .0130  .0094  .0031
 
                                                                    Page 1
 
_____________________________________________________________________
                                                               Attachment 2
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
        WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                MONTHLY MORTGAGE INSURANCE PREMIUM FACTORS
             (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
PREMIUM           MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
 YEAR  12.50  12.75  13.00  13.25  13.50  13.75  14.00  14.25  14.50  14.75
 
  1    .4161  .4161  .4161  .4162  .4162  .4162  .4162  .4163  .4163  .4163
  2    .4144  .4145  .4146  .4147  .4148  .4148  .4149  .4150  .4151  .4151
  3    .4119  .4121  .4122  .4124  .4125  .4126  .4128  .4129  .4130  .4131
  4    .4085  .4087  .4089  .4091  .4093  .4095  .4097  .4098  .4099  .4101
  5    .4041  .4044  .4046  .4048  .4050  .4052  .4054  .4056  .4057  .4059
 
  6    .3985  .3988  .3991  .3993  .3995  .3997  .3999  .4001  .4002  .4004
  7    .3916  .3919  .3922  .3924  .3926  .3928  .3929  .3931  .3932  .3932
  8    .3832  .3834  .3837  .3839  .3840  .3841  .3842  .3843  .3843  .3843
  9    .3731  .3732  .3734  .3735  .3735  .3736  .3735  .3735  .3734  .3733
 10    .3610  .3610  .3610  .3610  .3609  .3608  .3606  .3604  .3601  .3598
 
 11    .3467  .3465  .3464  .3461  .3458  .3454  .3450  .3445  .3440  .3434
 12    .3298  .3295  .3290  .3285  .3279  .3272  .3264  .3256  .3247  .3237
 13    .3102  .3094  .3086  .3077  .3067  .3056  .3043  .3030  .3017  .3002
 14    .2873  .2861  .2847  .2833  .2817  .2801  .2783  .2764  .2743  .2722
 15    .2607  .2589  .2569  .2548  .2525  .2501  .2476  .2449  .2420  .2390
 
 16    .2299  .2273  .2245  .2216  .2184  .2151  .2116  .2079  .2039  .1998
 17    .1944  .1909  .1871  .1830  .1788  .1742  .1695  .1645  .1592  .1537
 18    .1536  .1488  .1437  .1383  .1326  .1267  .1204  .1138  .1068  .0995
 19    .1067  .1004  .0937  .0866  .0792  .0714  .0632  .0545  .0455  .0360
 20    .0529  .0447  .0360  .0297  .0257  .0217  .0146  .0101  .0056
 
 21    .0131  .0062  .0017
 
                                                                    Page 2
 
_____________________________________________________________________
                                                               Attachment 2
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
        WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                MONTHLY MORTGAGE INSURANCE PREMIUM FACTORS
             (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
PREMIUM           MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
 YEAR  15.00  15.25  15.50  15.75  16.00  16.25  16.50  16.75  17.00  17.25
 
  1    .4163  .4163  .4164  .4164  .4164  .416A  .4164  .4164  .4165  .4165
  2    .4152  .4152  .4153  .4154  .4154  .4155  .4155  .4155  .4156  .4156
  3    .4132  .4133  .4134  .4135  .4135  .4136  .4137  .4137  .4138  .4138
  4    .4102  .4103  .4104  .4105  .4106  .4107  .4107  .4108  .4109  .4109
  5    .4060  .4061  .4062  .4063  .4064  .4065  .4065  .4066  .4066  .4066
 
  6    .4005  .4006  .4006  .4007  .4007  .4008  .4008  .4008  .4008  .4008
  7    .3933  .3934  .3934  .3934  .3934  .3933  .3933  .3932  .3931  .3930
  8    .3843  .3842  .3842  .3841  .3839  .3838  .3836  .3834  .3832  .3829
  9    .3731  .3729  .3727  .3724  .3721  .3718  .3714  .3710  .3706  .3701
 10    .3594  .3590  .3585  .3580  .3575  .3569  .3562  .3556  .3549  .3541
 
 11    .3427  .3420  .3412  .3404  .3395  .3386  .3376  .3365  .3354  .3342
 12    .3226  .3215  .3203  .3190  .3177  .3162  .3147  .3132  .3115  .3098
 13    .2986  .2969  .2951  .2932  .2913  .2892  .2870  .2848  .2824  .2799
 14    .2699  .2675  .2650  .2623  .2595  .2566  .2536  .2504  .2471  .2436
 15    .2358  .2325  .2290  .2253  .2215  .2174  .2133  .2089  .2044  .1996
 
 16    .1955  .1910  .1862  .1812  .1760  .1706  .1649  .1590  .1529  .1465
 17    .1479  .1418  .1355  .1289  .1219  .1147  .1071  .0993  .0911  .0826
 18    .0919  .0839  .0755  .0668  .0577  .0481  .0382  .0345  .0273  .0234
 19    .0321  .0250  .0208  .0165  .0121  .0043
 
                                                                    Page 3
 
_____________________________________________________________________
                                                               Attachment 2
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
        WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                MONTHLY MORTGAGE INSURANCE PREMIUM FACTORS
             (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
PREMIUM           MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
 YEAR  15.00  15.25  15.50  15.75  16.00  16.25  16.50  16.75  17.00  17.25
 
  1    .4163  .4163  .4164  .4164  .4164  .4164  .4164  .4164  .4165  .4165
  2    .4149  .4149  .4150  .4150  .4151  .4151  .4152  .4152  .4152  .4153
  3    .4119  .4119  .4120  .4120  .4121  .4121  .4122  .4122  .4122  .4123
  4    .4069  .4070  .4070  .4071  .4071  .4071  .4071  .4071  .4071  .4071
  5    .3998  .3998  .3998  .3998  .3997  .3997  .3996  .3995  .3994  .3993
 
  6    .3901  .3900  .3898  .3897  .3895  .3893  .3891  .3889  .3887  .3884
  7    .3773  .3770  .3767  .3764  .3760  .3756  .3752  .3747  .3743  .3738
  8    .3610  .3604  .3598  .3592  .3585  .3578  .3570  .3563  .3555  .3546
  9    .3405  .3395  .3385  .3375  .3364  .3352  .3340  .3328  .3315  .3301
 10    .3152  .3136  .3121  .3104  .3087  .3070  .3051  .3032  .3013  .2993
 
 11    .2841  .2819  .2795  .2771  .2746  .2720  .2693  .2666  .2637  .2608
 12    .2465  .2433  .2399  .2365  .2329  .2292  .2254  .2214  .2174  .2132
 13    .2011  .1966  .1920  .1872  .1822  .1771  .1718  .1663  .1606  .1548
 14    .1467  .1406  .1343  .1277  .1209  .1139  .1067  .0992  .0915  .0835
 15    .0819  .0737  .0652  .0564  .0473  .0414  .0355  .0331  .0270  .0208
 
 16    .0224  .0192  .0125  .0092  .0023
 
                                                                    Page 4
 
_____________________________________________________________________
                                                               Attachment 2
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
        WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                MONTHLY MORTGAGE INSURANCE PREMIUM FACTORS
             (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
PREMIUM           MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
 YEAR  12.50  12.75  13.00  13.25  13.50  13.75  14.00  14.25  14.50  14.75
 
  1    .4161  .4161  .4161  .4162  .4162  .4162  .4162  .4163  .4163  .4163
  2    .4141  .4142  .4143  .4144  .4145  .4146  .4146  .4147  .4148  .4148
  3    .4108  .4109  .4111  .4112  .4113  .4114  .4115  .4116  .4117  .4118
  4    .4058  .4060  .4062  .4063  .4064  .4065  .4066  .4067  .4068  .4069
  5    .3990  .3992  .3993  .3995  .3996  .3996  .3997  .3998  .3998  .3998
 
  6    .3901  .3902  .3903  .3904  .3904  .3904  .3904  .3903  .3903  .3902
  7    .3788  .3788  .3788  .3787  .3786  .3784  .3783  .3781  .3779  .3776
  8    .3648  .3646  .3643  .3640  .3637  .3634  .3630  .3625  .3621  .3615
  9    .3476  .3471  .3466  .3460  .3453  .3447  .3439  .3431  .3423  .3414
 10    .3267  .3259  .3250  .3240  .3229  .3218  .3206  .3193  .3180  .3166
 
 11    .3019  .3005  .2990  .2974  .2958  .2941  .2923  .2904  .2884  .2863
 12    .2723  .2702  .2680  .2658  .2633  .2608  .2582  .2554  .2526  .2496
 13    .2374  .2345  .2314  .2281  .2247  .2212  .2175  .2136  .2096  .2054
 14    .1965  .1924  .1882  .1837  .1790  .1741  .1691  .1638  .1583  .1526
 15    .1488  .1433  .1375  .1315  .1252  .1186  .1118  .1048  .0974  .0898
 
 16    .0932  .0859  .0783  .0703  .0620  .0534  .0444  .0383  .0320  .0289
 17    .0318  .0283  .0218  .0182  .0145  .0076  .0037
 
                                                                    Page 5
 
_____________________________________________________________________
                                                               Attachment 2
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
        WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                MONTHLY MORTGAGE INSURANCE PREMIUM FACTORS
             (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
PREMIUM           MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
 YEAR  10.00  10.25  10.50  10.75  11.00  11.25  11.50  11.75  12.00  12.25
 
  1    .4156  .4157  .4157  .4158  .4158  .4159  .4159  .4160  .4160  .4160
  2    .4128  .4130  .4131  .4133  .4134  .4135  .4137  .4138  .4139  .4140
  3    .4087  .4090  .4092  .4095  .4097  .4099  .4101  .4103  .4105  .4106
  4    .4033  .4036  .4039  .4042  .4045  .4048  .4050  .4052  .4055  .4056
  5    .3963  .3967  .3971  .3974  .3977  .3980  .3982  .3985  .3987  .3989
 
  6    .3876  .3880  .3894  .3887  .3890  .3893  .3895  .3897  .3899  .3900
  7    .3770  .3774  .3777  .3780  .3782  .3784  .3786  .3787  .3788  .3788
  8    .3643  .3646  .3648  .3649  .3651  .3651  .3651  .3651  .3650  .3649
  9    .3492  .3493  .3493  .3493  .3492  .3491  .3489  .3487  .3483  .3480
 10    .3315  .3313  .3311  .3308  .3304  .3300  .3295  .3289  .3283  .3275
 
 11    .3108  .3103  .3097  .3090  .3083  .3074  .3065  .3055  .3043  .3031
 12    .2868  .2858  .2848  .2836  .2823  .2809  .2794  .2778  .2761  .2743
 13    .2592  .2576  .2559  .2541  .2522  .2501  .2478  .2454  .2429  .2403
 14    .2275  .2252  .2227  .2201  .2173  .2142  .2111  .2077  .2042  .2005
 15    .1914  .1881  .1846  .1809  .1770  .1729  .1685  .1639  .1591  .1541
 
 16    .1502  .1458  .1411  .1361  .1308  .1253  .1194  .1133  .1069  .1002
 17    .1036  .0977  .0914  .0848  .0779  .0707  .0630  .0550  .0467  .0379
 18    .0508  .0431  .0350  .0291  .0257  .0194  .0157  .0118  .0079  .0008
 19    .0122  .0058  .0018
 
                                                                    Page 6
 
_____________________________________________________________________
                                                               Attachment 2
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
        WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                MONTHLY MORTGAGE INSURANCE PREMIUM FACTORS
             (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
PREMIUM           MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
 YEAR  10.00  10.25  10.50  10.75  11.00  11.25  11.50  11.75  12.00  12.25
 
  1    .4156  .4157  .4157  .4158  .4158  .4159  .4159  .4160  .4160  .4160
  2    .4126  .4127  .4129  .4130  .4132  .4133  .4134  .4135  .4137  .4138
  3    .4078  .4081  .4083  .4085  .4087  .4089  .4091  .4092  .4094  .4095
  4    .4011  .4014  .4017  .4019  .4021  .4023  .4025  .4027  .4029  .4030
  5    .3922  .3925  .3928  .3930  .3932  .3934  .3935  .3937  .3938  .3938
 
  6    .3809  .3811  .3813  .3814  .3816  .3816  .3817  .3817  .3817  .3817
  7    .3668  .3669  .3669  .3669  .3669  .3668  .3666  .3665  .3662  .3660
  8    .3496  .3495  .3493  .3490  .3487  .3483  .3479  .3474  .3469  .3463
  9    .3289  .3285  .3279  .3273  .3266  .3258  .3250  .3241  .3232  .3221
 10    .3044  .3035  .3024  .3013  .3001  .2988  .2974  .2959  .2944  .2927
 
 11    .2755  .2739  .2723  .2705  .2686  .2666  .2644  .2622  .2598  .2573
 12    .2418  .2394  .2369  .2342  .2314  .2285  .2254  .2221  .2187  .2152
 13    .2026  .1992  .1957  .1919  .1879  .1838  .1795  .1749  .1702  .1653
 14    .1575  .1528  .1478  .1427  .1373  .1317  .1258  .1197  .1133  .1066
 15    .1056  .0993  .0927  .0858  .0786  .0711  .0633  .0552  .0467  .0380
 
 16    .0462  .0379  .0322  .0292  .0231  .0200  .0136  .0103  .0036
 17    .0082  .0017
 
                                                                    Page 7
 
_____________________________________________________________________
                                                               Attachment 2
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
        WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                MONTHLY MORTGAGE INSURANCE PREMIUM FACTORS
             (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
PREMIUM           MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
 YEAR  12.50  12.75  13.00  13.25  13.50  13.75  14.00  14.25  14.50  14.75
 
  1    .4161  .4161  .4161  .4162  .4162  .4162  .4162  .4163  .4163  .4163
  2    .4139  .4140  .4140  .4141  .4142  .4143  .4143  .4144  .4145  .4145
  3    .4097  .4098  .4099  .4100  .4101  .4102  .4103  .4103  .4104  .4105
  4    .4031  .4032  .4033  .4034  .4035  .4035  .4036  .4036  .4036  .4037
  5    .3939  .3939  .3940  .3940  .3940  .3939  .3939  .3938  .3937  .3936
 
  6    .3816  .3815  .3814  .3812  .3810  .3808  .3806  .3804  .3801  .3798
  7    .3657  .3654  .3650  .3646  .3642  .3637  .3632  .3627  .3621  .3615
  8    .3457  .3450  .3443  .3436  .3428  .3419  .3410  .3400  .3391  .3380
  9    .3210  .3199  .3187  .3174  .3160  .3146  .3131  .3116  .3100  .3084
 10    .2910  .2892  .2873  .2853  .2832  .2810  .2788  .2765  .2741  .2716
 
 11    .2548  .2521  .2493  .2463  .2433  .2401  .2369  .2335  .2300  .2264
 12    .2115  .2077  .2037  .1995  .1952  .1908  .1862  .1814  .1765  .1714
 13    .1602  .1549  .1494  .1437  .1378  .1316  .1253  .1188  .1120  .1050
 14    .0997  .0926  .0852  .0775  .0695  .0612  .0527  .0439  .0384  .0364
 15    .0353  .0294  .0267  .0205  .0142  .0114  .0050
 
                                                                    Page 8
 
_____________________________________________________________________
                                                               Attachment 2
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
        WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                MONTHLY MORTGAGE INSURANCE PREMIUM FACTORS
             (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
PREMIUM           MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
 YEAR   15.00 15.25  15.50  15.75  16.00  16.25  16.50  16.75  17.00  17.25
 
  1    .4163  .4163  .4164  .4164  .4164  .4164  .4164  .4164  .4165  .4165
  2    .4146  .4146  .4147  .4147  .4148  .4148  .4148  .4149  .4149  .4149
  3    .4105  .4106  .4106  .4106  .4107  .4107  .4107  .4107  .4107  .4107
  4    .4037  .4037  .4036  .4036  .4036  .4035  .4035  .4034  .4033  .4033
  5    .3935  .3934  .3933  .3931  .3929  .3927  .3926  .3923  .3921  .3919
 
  6    .3795  .3792  .3788  .3784  .3780  .3776  .3772  .3768  .3763  .3758
  7    .3609  .3603  .3596  .3589  .3581  .3574  .3566  .3558  .3549  .3540
  8    .3369  .3358  .3347  .3335  .3322  .3309  .3296  .3283  .3269  .3254
  9    .3067  .3049  .3031  .3012  .2992  .2972  .2952  .2931  .2909  .2887
 10    .2690  .2663  .2636  .2608  .2579  .2549  .2518  .2486  .2454  .2421
 
 11    .2226  .2188  .2148  .2107  .2066  .2022  .1978  .1933  .1886  .1838
 12    .1661  .1607  .1552  .1494  .1435  .1375  .1312  .1248  .1182  .1115
 13    .0978  .0904  .0827  .0748  .0667  .0584  .0498  .0449  .0399  .0350
 14    .0307  .0250  .0231  .0173  .0115  .0055
 
                                                                    Page 9
 
_____________________________________________________________________
                                                               Attachment 2
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
        WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                MONTHLY MORTGAGE INSURANCE PREMIUM FACTORS
             (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
PREMIUM           MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
 YEAR  10.00  10.25  10.50  10.75  11.00  11.25  11.50  11.75  12.00  12.25
 
  1    .4156  .4157  .4157  .4158  .4158  .4159  .4159  .4160  .4160  .4160
  2    .4124  .4125  .4127  .4128  .4130  .4131  .4132  .4133  .4134  .4135
  3    .4069  .4071  .4073  .4075  .4077  .4079  .4080  .4082  .4083  .4084
  4    .3989  .3992  .3994  .3996  .3997  .3999  .4000  .4001  .4002  .4003
  5    .3881  .3883  .3884  .3885  .3886  .3887  .3887  .3888  .3888  .3887
 
  6    .3740  .3740  .3740  .3740  .3739  .3738  .3737  .3735  .3733  .3731
  7    .3563  .3561  .3558  .3555  .3552  .3548  .3544  .3539  .3534  .3528
  8    .3344  .3338  .3332  .3325  .3318  .3310  .3301  .3292  .3282  .3271
  9    .3078  .3068  .3056  .3044  .3031  .3017  .3002  .2986  .2970  .2953
 10    .2761  .2743  .2724  .2704  .2683  .2661  .2638  .2614  .2589  .2563
 
 11    .2384  .2357  .2329  .2299  .2268  .2236  .2202  .2167  .2130  .2092
 12    .1941  .1903  .1862  .1820  .1776  .1730  .1682  .1633  .1581  .1528
 13    .1424  .1371  .1315  .1257  .1196  .1133  .1068  .1000  .0930  .0857
 14    .0825  .0753  .0678  .0599  .0518  .0434  .0380  .0324  .0302  .0245
 15    .0257  .0198  .0170  .0108  .0079  .0015
 
                                                                    Page 10
 
_____________________________________________________________________
                                                               Attachment 2
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
        WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                MONTHLY MORTGAGE INSURANCE PREMIUM FACTORS
             (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
PREMIUM           MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
 YEAR  12.50  12.75  13.00  13.25  13.50  13.75  14.00  14.25  14.50  14.75
 
  1    .4161  .4161  .4161  .4162  .4162  .4162  .4162  .4163  .4163  .4163
  2    .4136  .4137  .4138  .4139  .4139  .4140  .4141  .4141  .4142  .4142
  3    .4085  .4086  .4087  .4088  .4089  .4089  .4090  .4091  .4091  .4091
  4    .4004  .4004  .4005  .4005  .4005  .4005  .4005  .4005  .4004  .4004
  5    .3887  .3886  .3885  .3884  .3883  .3881  .3880  .3878  .3876  .3874
 
  6    .3728  .3725  .3722  .3719  .3715  .3711  .3707  .3702  .3697  .3692
  7    .3522  .3516  .3509  .3501  .3494  .3486  .3477  .3469  .3460  .3450
  8    .3260  .3249  .3237  .3224  .3211  .3197  .3183  .3168  .3153  .3137
  9    .2935  .2916  .2897  .2877  .2856  .2834  .2812  .2789  .2765  .2740
 10    .2536  .2508  .2478  .2448  .2417  .2385  .2351  .2317  .2281  .2245
 
 11    .2053  .2012  .1970  .1926  .1881  .1835  .1787  .1738  .1687  .1635
 12    .1473  .1416  .1357  .1296  .1233  .1168  .1101  .1033  .0962  .0889
 13    .0782  .0704  .0624  .0541  .0455  .0404  .0352  .0339  .0286  .0234
 14    .0186  .0164  .0104  .0044
 
                                                                    Page 11
 
_____________________________________________________________________
                                                               Attachment 2
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
        WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                MONTHLY MORTGAGE INSURANCE PREMIUM FACTORS
             (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
PREMIUM           MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
 YEAR  15.00  15.25  15.50  15.75  16.00  16.25  16.50  16.75  17.00  17.25
 
  1    .4163  .4163  .4164  .4164  .4164  .4164  .4164  .4164  .4165  .4165
  2    .4143  .4143  .4144  .4144  .4144  .4145  .4145  .4145  .4146  .4146
  3    .4092  .4092  .4092  .4092  .4092  .4092  .4092  .4092  .4092  .4091
  4    .4003  .4003  .4002  .4001  .4000  .3999  .3998  .3997  .3995  .3994
  5    .3871  .3869  .3866  .3863  .3860  .3857  .3854  .3851  .3847  .3844
 
  6    .3687  .3681  .3675  .3670  .3663  .3657  .3650  .3644  .3637  .3629
  7    .3440  .3430  .3420  .3409  .3398  .3387  .3375  .3363  .3350  .3338
  8    .3121  .3104  .3087  .3069  .3051  .3032  .3013  .2994  .2974  .2953
  9    .2715  .2689  .2662  .2635  .2607  .2578  .2549  .2518  .2488  .2456
 10    .2208  .2169  .2130  .2089  .2048  .2005  .1961  .1917  .1871  .1824
 
 11    .1581  .1526  .1469  .1411  .1352  .1291  .1228  .1164  .1098  .1031
 12    .0814  .0737  .0658  .0577  .0494  .0450  .0406  .0362  .0318  .0273
 13    .0181  .0127  .0116  .0062
 
                                                                    Page 12
 
_____________________________________________________________________
                                                               Attachment 2
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
        WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                MONTHLY MORTGAGE INSURANCE PREMIUM FACTORS
             (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
PREMIUM           MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
 YEAR  10.00  10.25  10.50  10.75  11.00  11.25  11.50  11.75  12.00  12.25
 
  1    .4156  .415?  .4157  .4158  .4158  .4159  .4159  .4160  .4160  .4160
  2    .4122  .4123  .4125  .4126  .4127  .4128  .4130  .4131  .4132  .4133
  3    .4060  .4062  .4064  .4065  .4067  .4069  .4070  .4071  .4072  .4073
  4    .3967  .3969  .3970  .3972  .3973  .3974  .3975  .3975  .3976  .3976
  5    .3839  .3839  .3840  .3840  .3840  .3840  .3839  .3838  .3837  .3835
 
  6    .3670  .3668  .3666  .3664  .3662  .3659  .3656  .3652  .3648  .3644
  7    .3454  .3449  .3444  .3438  .3432  .3425  .3418  .3410  .3401  .3392
  8    .3186  .3176  .3166  .3155  .3143  .3130  .3117  .3103  .3088  .3073
  9    .2859  .2842  .2824  .2805  .2786  .2765  .2743  .2721  .2698  .2673
 10    .2464  .2438  .2410  .2381  .2351  .2320  .2287  .2254  .2219  .2182
 
 11    .1993  .1955  .1914  .1872  .1829  .1783  .1737  .1688  .1638  .1586
 12    .1437  .1382  .1326  .1267  .1206  .1143  .1078  .1010  .0940  .0868
 13    .0784  .0709  .0632  .0552  .0470  .0419  .0367  .0314  .0298  .0245
 14    .0228  .0170  .0111  .0088  .0027
 
                                                                    Page 13
 
_____________________________________________________________________
                                                               Attachment 2
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
        WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                MONTHLY MORTGAGE INSURANCE PREMIUM FACTORS
             (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
PREMIUM           MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
 YEAR  12.50  12.75  13.00  13.25  13.50  13.75  14.00  14.25  14.50  14.75
 
  1    .4161  .4161  .4161  .4162  .4162  .4162  .4162  .4163  .4163  .4163
  2    .4134  .4134  .4135  .4136  .4137  .4137  .4138  .4138  .4139  .4139
  3    .4074  .4075  .4076  .4076  .4077  .4077  .4077  .4078  .4078  .4078
  4    .3976  .3976  .3976  .3976  .3975  .3975  .3974  .3973  .3972  .3971
  5    .3834  .3832  .3830  .3828  .3825  .3822  .3820  .3817  .3813  .3810
 
  6    .3639  .3634  .3629  .3623  .3617  .3611  .3605  .3598  .3591  .3584
  7    .3383  .3374  .3363  .3353  .3342  .3330  .3318  .3306  .3294  .3280
  8    .3057  .3040  .3023  .3005  .2987  .2968  .2948  .2928  .2907  .2886
  9    .2648  .2622  .2595  .2568  .2539  .2510  .2479  .2448  .2416  .2383
 10    .2145  .2106  .2067  .2026  .1983  .1940  .1895  .1849  .1802  .1754
 
 11    .1532  .1477  .1420  .1362  .1302  .1240  .1176  .1110  .1043  .0974
 12    .0794  .0717  .0638  .0557  .0473  .0427  .0381  .0334  .0329  .0283
 13    .0191  .0136  .0121  .0066
 
                                                                    Page 14
 
_____________________________________________________________________
                                                               Attachment 2
 
                  SECTION 245(a) GROWING EQUITY MORTGAGE
        WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                MONTHLY MORTGAGE INSURANCE PREMIUM FACTORS
             (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
PREMIUM           MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
 YEAR  15.00  15.25  15.50  15.75  16.00  16.25  16.50  16.75  17.00  17.25
 
  1    .4163  .4163  .4164  .4164  .4164  .4164  .4164  .4164  .4165  .4165
  2    .4140  .4140  .4141  .4141  .4141  .4141  .4142  .4142  .4142  .4142
  3    .4078  .4078  .4078  .4078  .4078  .4077  .4077  .4077  .4076  .4076
  4    .3970  .3969  .3967  .3966  .3964  .3962  .3961  .3959  .3957  .3955
  5    .3806  .3802  .3799  .3794  .3790  .3786  .3781  .3777  .3772  .3767
 
  6    .3576  .3568  .3560  .3552  .3544  .3535  .3526  .3517  .3507  .3498
  7    .3267  .3253  .3239  .3225  .3210  .3194  .3179  .3163  .3146  .3130
  8    .2864  .2842  .2819  .2795  .2771  .2746  .2721  .2695  .2669  .2642
  9    .2350  .2315  .2280  .2244  .2207  .2169  .2130  .2091  .2050  .2009
 10    .1704  .1653  .1601  .1548  .1493  .1438  .1381  .1322  .1263  .1202
 
 11    .0904  .0831  .0757  .0681  .0603  .0523  .0480  .0449  .0413  .0376
 12    .0236  .0189  .0142  .0095  .0049
 
                                                                    Page 15
 
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
    1       999.5576     999.5807     999.6026     999.6235     999.6434
    2       999.1115     999.1577     999.2017     999.2437     999.2836
    3       998.6618     998.7312     998.7974     998.8604     998.9205
    4       998.2082     998.3010     998.3894     998.4737     998.5540
    5       997.7509     997.8671     997.9780     998.0836     998.1842
    6       997.2898     997.4296     997.5629     997.6899     997.8110
    7       996.8248     996.9883     997.1442     997.2927     997.4343
    8       996.3560     996.5432     996.7218     996.8920     997.0542
    9       995.8832     996.0943     996.2957     996.4877     996.6707
   10       995.4065     995.6416     995.8659     996.0797     996.2836
   11       994.9259     995.1850     995.4323     995.6681     995.8930
   12       994.4412     994.7246     994.9950     995.2529     995.4987
 
   13       993.8648     994.1706     994.4623     994.7405     995.0057
   14       993.2835     993.6118     993.9250     994.2236     994.5081
   15       992.6974     993.0483     993.3830     993.7020     994.0060
   16       992.1064     992.4800     992.8362     993.1757     993.4992
   17       991.5105     991.9068     992.2846     992.6448     992.9878
   18       990.9096     991.3287     991.7283     992.1091     992.4717
   19       990.3037     990.7457     991.1670     991.5685     991.9509
   20       989.6927     990.1576     990.6009     991.0232     991.4254
   21       989.0767     989.5646     990.0298     990.4729     990.8950
   22       988.4555     988.9665     989.4536     989.9178     990.3597
   23       987.8292     988.3633     988.8725     989.3576     989.8195
   24       987.1976     987.7550     988.2863     988.7924     989.2744
 
   25       986.4722     987.0509     987.6025     988.1279     988.6281
   26       985.7407     986.3408     986.9128     987.4575     987.9759
   27       985.0031     985.6247     986.2170     986.7810     987.3177
   28       984.2593     984.9025     985.5152     986.0985     986.6534
   29       983.5094     984.1740     984.8072     985.4098     985.9831
   30       982.7532     983.4394     984.0930     984.7150     985.3066
   31       981.9907     982.6985     983.3725     984.0140     984.6240
   32       981.2218     981.9512     982.6458     983.3066     983.9350
   33       980.4466     981.1976     981.9127     982.5930     983.2398
   34       979.6648     980.4375     981.1732     981.8729     982.5382
   35       978.8766     979.6710     980.4272     981.1464     981.8301
   36       978.0818     978.8979     979.6746     980.4134     981.1156
 
   37       977.1909     978.0268     978.8222     979.5786     980.2973
   38       976.2925     977.1482     977.9624     978.7364     979.4716
   39       975.3866     976.2621     977.0950     977.8865     978.6383
   40       974.4732     975.3685     976.2200     977.0291     977.7973
   41       973.5522     974.4672     975.3373     976.1640     976.9487
   42       972.6235     973.5583     974.4470     975.2911     976.0922
   43       971.6871     972.6415     973.5488     974.4104     975.2280
   44       970.7428     971.7170     972.6428     973.5219     974.3557
   45       969.7907     970.7845     971.7288     972.6253     973.4755
   46       968.8307     969.8441     970.8069     971.7208     972.5873
   47       967.8627     968.8956     969.8769     970.8081     971.6909
   48       966.8866     967.9391     968.9388     969.8873     970.7862
 
                                                                Page 1(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
    1       999.6624     999.6804     999.6976     999.7139     999.7294
    2       999.3216     999.3578     999.3922     999.4249     999.4560
    3       998.9776     999.0320     999.0838     999.1330     999.1798
    4       998.6304     998.7032     998.7724     998.8382     998.9008
    5       998.2800     998.3712     998.4579     998.5405     998.6189
    6       997.9262     998.0360     998.1404     998.2397     998.3342
    7       997.5692     997.6976     997.8198     997.9360     998.0466
    8       997.2088     997.3559     997.4960     997.6293     997.7560
    9       996.8450     997.0110     997.1690     997.3194     997.4625
   10       996.4778     996.6628     996.8389     997.0065     997.1659
   11       996.1072     996.3112     996.5055     996.6904     996.8664
   12       995.7331     995.9563     996.1689     996.3712     996.5637
 
   13       995.2583     995.4989     995.7280     995.9459     996.1532
   14       994.7791     995.0372     995.2828     995.5164     995.7386
   15       994.2954     994.5710     994.8332     995.0826     995.3196
   16       993.8072     994.1004     994.3793     994.6444     994.8964
   17       993.3144     993.6252     993.9208     994.2019     994.4689
   18       992.8170     993.1455     993.4579     993.7549     994.0370
   19       992.3149     992.6612     992.9905     993.3035     993.6007
   20       991.8081     992.1723     992.5185     992.8475     993.1600
   21       991.2966     991.6787     992.0419     992.3870     992.7147
   22       990.7803     991.1803     991.5606     991.9219     992.2649
   23       990.2591     990.6772     991.0746     991.4521     991.8106
   24       989.7330     990.1692     990.5838     990.9777     991.3515
 
   25       989.1039     989.5564     989.9863     990.3946     990.7820
   26       988.4690     988.9377     989.3829     989.8056     990.2066
   27       987.8280     988.3130     988.7736     989.2108     989.6254
   28       987.1811     987.6824     988.1584     988.6100     989.0382
   29       986.5281     987.0457     987.5371     988.0033     988.4451
   30       985.8689     986.4029     986.9098     987.3904     987.8459
   31       985.2036     985.7540     986.2763     986.7714     987.2405
   32       984.5320     985.0989     985.6366     986.1463     986.6290
   33       983.8542     984.4374     984.9906     985.5149     986.0113
   34       983.1700     983.7697     984.3383     984.8771     985.3872
   35       982.4794     983.0955     983.6796     984.2330     984.7568
   36       981.7823     982.4149     983.0145     983.5825     984.1199
 
   37       980.9796     981.6267     982.2399     982.8205     983.3697
   38       980.1693     980.8310     981.4577     982.0509     982.6117
   39       979.3515     980.0276     980.6679     981.2736     981.8461
   40       978.5260     979.2165     979.8703     980.4885     981.0726
   41       977.6928     978.3977     979.0649     979.6956     980.2912
   42       976.8517     977.5711     978.2516     978.8948     979.5019
   43       976.0028     976.7365     977.4304     978.0859     978.7045
   44       975.1459     975.8939     976.6011     977.2690     977.8989
   45       974.2810     975.0432     975.7637     976.4438     977.0852
   46       973.4080     974.1844     974.9181     975.6105     976.2631
   47       972.5267     973.3173     974.0642     974.7688     975.4326
   48       971.6373     972.4420     973.2019     973.9187     974.5937
 
                                                                Page 1(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
   49       965.8119     966.8820     967.8982     968.8620     969.7752
   50       964.7283     965.8159     966.8484     967.8275     968.7549
   51       963.6356     964.7407     965.7896     966.7838     967.7252
   52       962.5339     963.6564     964.7214     965.7307     966.6861
   53       961.4230     962.5627     963.6439     964.6682     965.6375
   54       960.3028     961.4598     962.5570     963.5962     964.5792
   55       959.1733     960.3474     961.4605     962.5146     963.5113
   56       958.0343     959.2255     960.3545     961.4233     962.4336
   57       956.8859     958.0940     959.2388     960.3222     961.3460
   58       955.7279     956.9528     958.1133     959.2112     960.2484
   59       954.5603     955.8019     956.9780     958.0903     959.1408
   60       953.3829     954.6412     955.8327     956.9593     958.0230
 
   61       952.1044     953.3773     954.5823     955.7211     956.7958
   62       950.8152     952.1027     953.3209     954.4718     955.5574
   63       949.5153     950.8171     952.0484     953.2113     954.3077
   64       948.2046     949.5205     950.7648     951.9395     953.0465
   65       946.8829     948.2129     949.4700     950.6563     951.7738
   66       945.5502     946.8941     948.1639     949.3616     950.4893
   67       944.2065     945.5640     946.8463     948.0553     949.1931
   68       942.8515     944.2226     945.5172     946.7374     947.8851
   69       941.4852     942.8697     944.1765     945.4076     946.5650
   70       940.1075     941.5053     942.8240     944.0659     945.2328
   71       938.7184     940.1292     941.4598     942.7121     943.8884
   72       937.3177     938.7414     940.0835     941.3463     942.5317
 
   73       935.8131     937.2475     938.5991     939.8701     941.0625
   74       934.2959     935.7409     937.1017     938.3806     939.5798
   75       932.7661     934.2213     935.5912     936.8779     938.0835
   76       931.2236     932.6889     934.0675     935.3617     936.5735
   77       929.6682     931.1433     932.5304     933.8318     935.0497
   78       928.0998     929.5845     930.9799     932.2883     933.5118
   79       926.5184     928.0124     929.4159     930.7310     931.9599
   80       924.9238     926.4269     927.8381     929.1597     930.3938
   81       923.3159     924.8278     926.2466     927.5743     928.8133
   82       921.6946     923.2151     924.6411     925.9747     927.2183
   83       920.0598     921.5886     923.0215     924.3608     925.6087
   84       918.4113     919.9482     921.3878     922.7325     923.9844
 
   85       916.6560     918.1987     919.6427     920.9904     922.2440
   86       914.8860     916.4342     917.8824     919.2328     920.4877
   87       913.1013     914.6546     916.1066     917.4594     918.7153
   88       911.3018     912.8599     914.3153     915.6701     916.9267
   89       909.4872     911.0498     912.5083     913.8648     915.1217
   90       907.6575     909.2243     910.6855     912.0434     913.3001
   91       905.8125     907.3832     908.8468     910.2056     911.4618
   92       903.9522     905.5263     906.9919     908.3513     909.6067
   93       902.0764     903.6536     905.1209     906.4804     907.7345
   94       900.1850     901.7649     903.2334     904.5928     905.8452
   95       898.2777     899.8600     901.3295     902.6883     903.9386
   96       896.3546     897.9389     899.4089     900.7667     902.0145
 
                                                                Page 2(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
   49       970.6394     971.4562     972.2272     972.9541     973.6382
   50       969.6321     970.4610     971.2430     971.9798     972.6730
   51       968.6155     969.4562     970.2491     970.9958     971.6979
   52       967.5892     968.4418     969.2455     970.0020     970.7128
   53       966.5534     967.4177     968.2321     968.9982     969.7178
   54       965.5079     966.3838     967.2087     967.9844     968.7125
   55       964.4525     965.3400     966.1754     966.9605     967.6970
   56       963.3873     964.2861     965.1319     965.9263     966.6711
   57       962.3120     963.2222     964.0782     964.8818     965.6348
   58       961.2267     962.1480     963.0141     963.8268     964.5878
   59       960.1312     961.0636     961.9397     962.7613     963.5302
   60       959.0255     959.9688     960.8547     961.6851     962.4618
 
   61       957.8083     958.7604     959.6541     960.4912     961.2734
   62       956.5797     957.5405     958.4417     959.2853     960.0729
   63       955.3396     956.3089     957.2175     958.0673     958.8602
   64       954.0878     955.0654     955.9812     956.8371     957.6350
   65       952.8243     953.8101     954.7329     955.5947     956.3974
   66       951.5490     952.5427     953.4723     954.3398     955.1471
   67       950.2617     951.2632     952.1994     953.0724     953.8841
   68       948.9624     949.9714     950.9140     951.7923     952.6082
   69       947.6509     948.6672     949.6160     950.4994     951.3192
   70       946.3270     947.3505     948.3054     949.1936     950.0171
   71       944.9908     946.0212     946.9819     947.8747     948.7017
   72       943.6420     944.6792     945.6454     946.5426     947.3729
 
   73       942.1785     943.2203     944.1898     945.0891     945.9203
   74       940.7013     941.7473     942.7199     943.6211     944.4530
   75       939.2103     940.2602     941.2356     942.1383     942.9706
   76       937.7052     938.7589     939.7367     940.6408     941.4732
   77       936.1861     937.2432     938.2233     939.1283     939.9604
   78       934.6527     935.7130     936.6949     937.6006     938.4322
   79       933.1049     934.1681     935.1516     936.0577     936.8884
   80       931.5426     932.6084     933.5933     934.4994     935.3288
   81       929.9657     931.0338     932.0196     932.9254     933.7533
   82       928.3740     929.4440     930.4305     931.3357     932.1618
   83       926.7674     927.8390     928.8259     929.7302     930.5540
   84       925.1457     926.2187     927.2056     928.1085     928.9297
 
   85       923.4057     924.4777     925.4622     926.3615     927.1777
   86       921.6494     922.7200     923.7018     924.5970     925.4078
   87       919.8766     920.9455     921.9242     922.8149     923.6198
   88       918.0872     919.1539     920.1291     921.0149     921.8135
   89       916.2810     917.3452     918.3164     919.1969     919.9888
   90       914.4579     915.5192     916.4861     917.3608     918.1455
   91       912.6178     913.6757     914.6377     915.5062     916.2834
   92       910.7603     911.8144     912.7713     913.6332     914.4022
   93       908.8854     909.9354     910.8866     911.7414     912.5019
   94       906.9930     908.0384     908.9835     909.8307     910.5821
   95       905.0828     906.1231     907.0617     907.9009     908.6428
   96       903.1547     904.1895     905.1211     905.9518     906.6837
 
                                                                Page 2(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
   97       894.3214     895.9053     897.3734     898.7278     899.9707
   98       892.2712     893.8544     895.3201     896.6706     897.9081
   99       890.2040     891.7859     893.2488     894.5950     895.8267
  100       888.1195     889.6997     891.1594     892.5008     893.7261
  101       886.0177     887.5957     889.0518     890.3879     891.6063
  102       883.8983     885.4738     886.9256     888.2560     889.4671
  103       881.7613     883.3337     884.7809     886.1050     887.3082
  104       879.6065     881.1754     882.6174     883.9348     885.1296
  105       877.4337     878.9986     880.4350     881.7451     882.9310
  106       875.2428     876.8032     878.2335     879.5358     880.7122
  107       873.0336     874.5891     876.0127     877.3067     878.4731
  108       870.8061     872.3560     873.7725     875.0577     876.2135
 
  109       868.4649     870.0069     871.4137     872.6874     873.8300
  110       866.1042     867.6377     869.0342     870.2958     871.4247
  111       863.7239     865.2482     866.6339     867.8829     868.9973
  112       861.3237     862.8383     864.2125     865.4483     866.5477
  113       858.9036     860.4079     861.7700     862.9920     864.0757
  114       856.4632     857.9567     859.3062     860.5136     861.5809
  115       854.0025     855.4845     856.8207     858.0130     859.0633
  116       851.5214     852.9913     854.3135     855.4900     856.5227
  117       849.0195     850.4767     851.7844     852.9444     853.9587
  118       846.4968     847.9407     849.2331     850.3760     851.3712
  119       843.9531     845.3830     846.6596     847.7846     848.7600
  120       841.3881     842.8034     844.0635     845.1700     846.1249
 
  121       838.7058     840.1038     841.3446     842.4299     843.3615
  122       836.0012     837.3812     838.6020     839.6652     840.5727
  123       833.2740     834.6353     835.8353     836.8758     837.7584
  124       830.5241     831.8659     833.0445     834.0614     834.9183
  125       827.7513     829.0729     830.2292     831.2217     832.0521
  126       824.9554     826.2560     827.3893     828.3566     829.1597
  127       822.1362     823.4151     824.5245     825.4659     826.2408
  128       819.2935     820.5499     821.6347     822.5493     823.2951
  129       816.4271     817.6603     818.7196     819.6065     820.3223
  130       813.5368     814.7459     815.7790     816.6373     817.3224
  131       810.6224     811.8066     812.8126     813.6416     814.2950
  132       807.6837     808.8423     809.8203     810.6190     811.2397
 
  133       804.6236     805.7536     806.7008     807.4663     808.0513
  134       801.5380     802.6386     803.5540     804.2853     804.8337
  135       798.4267     799.4970     800.3796     801.0758     801.5866
  136       795.2895     796.3285     797.1775     797.8375     798.3097
  137       792.1261     793.1329     793.9473     794.5703     795.0027
  138       788.9364     789.9101     790.6889     791.2737     791.6655
  139       785.7201     786.6597     787.4020     787.9477     788.2977
  140       782.4770     783.3816     784.0863     784.5918     784.8990
  141       779.2068     780.0755     780.7416     781.2059     781.4691
  142       775.9094     776.7411     777.3676     777.7896     778.0078
  143       772.5845     773.3782     773.9641     774.3428     774.5148
  144       769.2320     769.9866     770.5309     770.8650     770.9897
 
                                                                Page 3(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
   97       901.1045     902.1313     903.0533     903.8729     904.5922
   98       899.0349     900.0532     900.9653     901.7732     902.4793
   99       896.9460     897.9553     898.8567     899.6526     900.3449
  100       894.8375     895.8373     896.7276     897.5107     898.1887
  101       892.7093     893.6989     894.5776     895.3474     896.0105
  102       890.5610     891.5401     892.4065     893.1625     893.8101
  103       888.3927     889.3606     890.2142     890.9557     891.5872
  104       886.2040     887.1602     888.0004     888.7268     889.3416
  105       883.9948     884.9387     885.7650     886.4757     887.0731
  106       881.7649     882.6960     883.5076     884.2021     884.7814
  107       879.5140     880.4317     881.2282     881.9057     882.4663
  108       877.2421     878.1457     878.9264     879.5863     880.1276
 
  109       874.8437     875.7306     876.4928     877.1324     877.6515
  110       872.4228     873.2924     874.0354     874.6540     875.1502
  111       869.9793     870.8307     871.5539     872.1507     872.6234
  112       867.5128     868.3455     869.0481     869.6224     870.0707
  113       865.0232     865.8365     866.5177     867.0689     867.4920
  114       862.5102     863.3034     863.9626     864.4898     864.8869
  115       859.9737     860.7461     861.3825     861.8849     862.2553
  116       857.4134     858.1642     858.7771     859.2540     859.5968
  117       854.8291     855.5576     856.1462     856.5967     856.9112
  118       852.2206     852.9261     853.4895     853.9129     854.1981
  119       849.5876     850.2693     850.8068     851.2022     851.4574
  120       846.9300     847.5870     848.0979     848.4645     848.6886
 
  121       844.1412     844.7707     845.2520     845.5868     845.7770
  122       841.3262     841.9275     842.3783     842.6804     842.8357
  123       838.4849     839.0570     839.4764     839.7450     839.8644
  124       835.6169     836.1590     836.5461     836.7801     836.8627
  125       832.7221     833.2332     833.5871     833.7856     833.8304
  126       829.8001     830.2793     830.5992     830.7612     830.7671
  127       826.8507     827.2972     827.5820     827.7065     827.6725
  128       823.8736     824.2865     824.5352     824.6213     824.5464
  129       820.8687     821.2469     821.4586     821.5053     821.3883
  130       817.8355     818.1782     818.3519     818.3580     818.1980
  131       814.7740     815.0801     815.2148     815.1793     814.9752
  132       811.6837     811.9523     812.0469     811.9688     811.7194
 
  133       808.4572     808.6852     808.7365     808.6126     808.3147
  134       805.2004     805.3867     805.3938     805.2228     804.8752
  135       801.9131     802.0566     802.0182     801.7992     801.4006
  136       798.5950     798.6946     798.6097     798.3412     797.8905
  137       795.2458     795.3004     795.1677     794.8488     794.3446
  138       791.8652     791.8737     791.6921     791.3213     790.7625
  139       788.4528     788.4141     788.1824     787.7586     787.1438
  140       785.0085     784.9214     784.6383     784.1603     783.4882
  141       781.5319     781.3952     781.0596     780.5260     779.7952
  142       778.0227     777.8352     777.4458     776.8554     776.0646
  143       774.4806     774.2411     773.7966     773.1480     772.2959
  144       770.9053     770.6125     770.1117     769.4036     768.4886
 
                                                                Page 3(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
  145       765.7535     766.4661     766.9655     767.2520     767.3261
  146       762.2461     762.9155     763.3689     763.6066     763.6289
  147       758.7095     759.3346     759.7409     759.9286     759.8978
  148       755.1433     755.7231     756.0811     756.2175     756.1325
  149       751.5475     752.0807     752.3893     752.4733     752.3327
  150       747.9217     748.4073     748.6652     748.6955     748.4981
  151       744.2657     744.7024     744.9085     744.8839     744.6283
  152       740.5792     740.9659     741.1190     741.0381     740.7230
  153       736.8620     737.1975     737.2962     737.1578     736.7820
  154       733.1138     733.3969     733.4401     733.2428     732.8048
  155       729.3344     729.5638     729.5502     729.2928     728.7911
  156       725.5235     725.6980     725.6262     725.3073     724.7407
 
  157       721.5820     721.6982     721.5649     721.1810     720.5458
  158       717.6076     717.6643     717.4680     717.0177     716.3125
  159       713.6000     713.5959     713.3352     712.8171     712.0404
  160       709.5591     709.4927     709.1663     708.5788     707.7291
  161       705.4845     705.3545     704.9609     704.3026     703.3783
  162       701.3760     701.1809     700.7188     699.9881     698.9876
  163       697.2332     696.9717     696.4395     695.6349     694.5566
  164       693.0559     692.7265     692.1227     691.2428     690.0851
  165       688.8438     688.4451     687.7682     686.8113     685.5725
  166       684.5966     684.1271     683.3756     682.3401     681.0186
  167       680.3139     679.7722     678.9445     677.8288     676.4230
  168       675.9957     675.3801     674.4747     673.2771     671.7852
 
  169       671.5415     670.8486     669.8617     668.5785     666.9965
  170       667.0502     666.2783     665.2083     663.8377     662.1639
  171       662.5215     661.6689     660.5142     659.0544     657.2871
  172       657.9550     657.0202     655.7790     654.2283     652.3655
  173       653.3505     652.3318     651.0023     649.3590     647.3988
  174       648.7077     647.6034     646.1839     644.4460     642.3866
  175       644.0261     642.8345     641.3233     639.4891     637.3284
  176       639.3055     638.0249     636.4202     634.4877     632.2238
  177       634.5456     633.1743     631.4742     629.4415     627.0725
  178       629.7460     628.2822     626.4849     624.3502     621.8740
  179       624.9065     623.3483     621.4520     619.2132     616.6278
  180       620.0266     618.3723     616.3750     614.0302     611.3335
 
  181       615.0051     613.2508     611.1484     608.6934     605.8812
  182       609.9418     608.0855     605.8761     603.3089     600.3789
  183       604.8363     602.8761     600.5577     597.8761     594.8262
  184       599.6883     597.6222     595.1927     592.3946     589.2226
  185       594.4974     592.3235     589.7808     586.8641     583.5676
  186       589.2632     586.9794     584.3216     581.2840     577.8608
  187       583.9854     581.5898     578.8146     575.6539     572.1017
  188       578.6636     576.1541     573.2593     569.9733     566.2898
  189       573.2975     570.6719     567.6555     564.2419     560.4246
  190       567.8866     565.1429     562.0027     558.4592     554.5057
  191       562.4307     559.5667     556.3004     552.6246     548.5324
  192       556.9293     553.9429     550.5481     546.7378     542.5045
 
                                                                Page 4(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
  145       767.1882     766.8387     766.2781     765.5070     764.5257
  146       763.4361     763.0287     762.4070     761.5714     760.5223
  147       759.6489     759.1822     758.4979     757.5964     756.4780
  148       755.8262     755.2988     754.5506     753.5817     752.3924
  149       751.9677     751.3783     750.5646     749.5269     748.2651
  150       748.0730     747.4201     746.5396     745.4315     744.0957
  151       744.1417     743.4241     742.4752     741.2951     739.8837
  152       740.1736     739.3897     738.3710     737.1174     735.6287
  153       736.1683     735.3167     734.2266     732.8979     731.3303
  154       732.1255     731.2046     730.0416     728.6363     726.9880
  155       728.0448     727.0531     725.8157     724.3319     722.6014
  156       723.9258     722.8619     721.5483     719.9846     718.1700
 
  157       719.6587     718.5188     717.1255     715.4779     713.5752
  158       715.3517     714.1342     712.6593     710.9261     708.9336
  159       711.0042     709.7076     708.1494     706.3288     704.2446
  160       706.6160     705.2385     703.5953     701.6855     699.5078
  161       702.1867     700.7266     698.9967     696.9958     694.7225
  162       697.7158     696.1714     694.3530     692.2592     689.8884
  163       693.2030     691.5726     689.6639     687.4752     685.0050
  164       688.6480     686.9298     684.9288     682.6434     680.0717
  165       684.0502     682.2424     680.1474     677.7632     675.0881
  166       679.4093     677.5101     675.3191     672.8343     670.0536
  167       674.7249     672.7325     670.4436     667.8561     664.9677
  168       669.9966     667.9091     665.5203     662.8281     659.8298
 
  169       665.1134     662.9267     660.4340     657.6327     654.5203
  170       660.1844     657.8966     655.2978     652.3854     649.1566
  171       655.2093     652.8183     650.1114     647.0856     643.7381
  172       650.1875     647.6913     644.8741     641.7328     638.2643
  173       645.1186     642.5152     639.5856     636.3265     632.7346
  174       640.0021     637.2895     634.2453     630.8661     627.1485
  175       634.8378     632.0137     628.8528     625.3512     621.5053
  176       629.6250     626.6874     623.4074     619.7810     615.8045
  177       624.3633     621.3100     617.9087     614.1552     610.0456
  178       619.0523     615.8811     612.3561     608.4731     604.2278
  179       613.6915     610.4001     606.7492     602.7342     598.3507
  180       608.2805     604.8667     601.0874     596.9379     592.4135
 
  181       602.7071     599.1663     595.2541     590.9654     586.2953
  182       597.0814     593.4114     589.3637     584.9332     580.1147
  183       591.4030     587.6012     583.4156     578.8407     573.8709
  184       585.6714     581.7354     577.4093     572.6872     567.5635
  185       579.8860     575.8134     571.3441     566.4722     561.1916
  186       574.0464     569.8347     565.2196     560.1951     554.7547
  187       568.1520     563.7986     559.0351     553.8551     548.2520
  188       562.2024     557.7047     552.7901     547.4518     541.6830
  189       556.1970     551.5524     546.4839     540.9845     535.0469
  190       550.1353     545.3411     540.1159     534.4524     528.3431
  191       544.0168     539.0703     533.6856     527.8551     521.5709
  192       537.8409     532.7394     527.1924     521.1918     514.7295
 
                                                                Page 4(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
  193       551.2801     548.1670     544.6394     540.6898     536.3107
  194       545.5839     542.3418     538.6790     534.5877     530.0601
  195       539.8402     536.4668     532.6664     528.4309     523.7523
  196       534.0487     530.5416     526.6012     522.2190     517.3866
  197       528.2089     524.5658     520.4829     515.9514     510.9626
  198       522.3204     518.5390     514.3111     509.6276     504.4797
  199       516.3828     512.4607     508.0853     503.2472     497.9373
  200       510.3958     506.3305     501.8050     496.8097     491.3350
  201       504.3589     500.1479     495.4697     490.3145     484.6722
  202       498.2717     493.9125     489.0790     483.7611     477.9483
  203       492.1337     487.6239     482.6324     477.1490     471.1627
  204       485.9446     481.2815     476.1294     470.4776     464.3150
 
  205       479.6010     474.7799     469.4623     463.6371     457.2928
  206       473.2046     468.2227     462.7368     456.7352     450.2062
  207       466.7548     461.6095     455.9524     449.7715     443.0547
  208       460.2513     454.9399     449.1087     442.7455     435.8376
  209       453.6936     448.2133     442.2051     435.6565     428.5544
  210       447.0813     441.4292     435.2411     428.5040     421.2044
  211       440.4139     434.5872     428.2162     421.2874     413.7870
  212       433.6909     427.6867     421.1298     414.0062     406.3017
  213       426.9118     420.7273     413.9813     406.6597     398.7477
  214       420.0763     413.7084     406.7704     399.2474     391.1245
  215       413.1838     406.6296     399.4963     391.7688     383.4314
  216       406.2339     399.4903     392.1586     384.2231     375.6677
 
  217       399.1221     392.1840     384.6484     376.4993     367.7202
  218       391.9511     384.8152     377.0724     368.7063     359.6998
  219       384.7203     377.3834     369.4302     360.8435     351.6058
  220       377.4293     369.8882     361.7211     352.9102     343.4377
  221       370.0775     362.3290     353.9445     344.9059     335.1947
  222       362.6644     354.7052     346.0999     336.8298     326.8761
  223       355.1895     347.0163     338.1866     328.6815     318.4813
  224       347.6524     339.2617     330.2041     320.4601     310.0095
  225       340.0525     331.4409     322.1518     312.1651     301.4601
  226       332.3892     323.5532     314.0290     303.7957     292.8323
  227       324.6620     315.5982     305.8351     295.3514     284.1254
  228       316.8705     307.5753     297.5695     286.8314     275.3386
 
  229       308.9091     299.3766     289.1222     278.1235     266.3574
  230       300.8813     291.1079     280.6010     269.3376     257.2940
  231       292.7866     282.7685     272.0052     260.4729     248.1474
  232       284.6245     274.3580     263.3342     251.5288     238.9170
  233       276.3943     265.8756     254.5873     242.5047     229.6019
  234       268.0956     257.3207     245.7639     233.3996     220.2015
  235       259.7277     248.6928     236.8633     224.2130     210.7149
  236       251.2901     239.9912     227.8848     214.9441     201.1414
  237       242.7822     231.2152     218.8277     205.5922     191.4801
  238       234.2033     222.3643     209.6914     196.1565     181.7302
  239       225.5530     213.4378     200.4752     186.6362     171.8909
  240       216.8306     204.4350     191.1783     177.0307     161.9615
 
                                                                Page 5(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
  193       531.4944     526.2329     520.5183     514.3424     507.6966
  194       525.0883     519.6640     513.7790     507.4245     500.5919
  195       518.6222     513.0322     506.9736     500.4375     493.4147
  196       512.0955     506.3368     500.1016     493.3806     486.1643
  197       505.5076     499.5773     493.1623     486.2531     478.8398
  198       498.8579     492.7529     486.1551     479.0543     471.4405
  199       492.1459     485.8632     479.0792     471.7836     463.9657
  200       485.3710     478.9075     471.9341     464.4401     456.4147
  201       478.5325     471.8850     464.7190     457.0232     448.7865
  202       471.6300     464.7953     457.4332     449.5322     441.0804
  203       464.6627     457.6377     450.0761     441.9662     433.2957
  204       457.6301     450.4114     442.6470     434.3246     425.4315
 
  205       450.4177     442.9998     435.0268     426.4859     417.3642
  206       443.1377     435.5171     427.3319     418.5689     409.2145
  207       435.7894     427.9628     419.5617     410.5726     400.9816
  208       428.3722     420.3360     411.7154     402.4965     392.6647
  209       420.8855     412.6362     403.7923     394.3395     384.2629
  210       413.3286     404.8625     395.7917     386.1010     375.7753
  211       405.7009     397.0144     387.7126     377.7801     367.2010
  212       398.0016     389.0911     379.5545     369.3760     358.5392
  213       390.2302     381.0918     371.3165     360.8879     349.7890
  214       382.3859     373.0159     362.9978     352.3148     340.9495
  215       374.4681     364.8625     354.5977     343.6561     332.0198
  216       366.4761     356.6311     346.1153     334.9107     322.9988
 
  217       358.2940     348.2034     337.4303     325.9561     313.7617
  218       350.0353     339.6950     328.6603     316.9120     304.4303
  219       341.6992     331.1051     319.8044     307.7774     295.0037
  220       333.2849     322.4328     310.8618     298.5514     285.4808
  221       324.7917     313.6775     301.8316     289.2332     275.8607
  222       316.2189     304.8382     292.7130     279.8218     266.1424
  223       307.5658     295.9142     283.5051     270.3163     256.3249
  224       298.8315     286.9047     274.2071     260.7157     246.4071
  225       290.0153     277.8089     264.8180     251.0192     236.3881
  226       281.1165     268.6259     255.3370     241.2257     226.2669
  227       272.1342     259.3549     245.7631     231.3342     216.0423
  228       263.0678     249.9950     236.0955     221.3438     205.7133
 
  229       253.8001     240.4270     226.2125     211.1305     195.1536
  230       244.4456     230.7673     216.2328     200.8150     184.4861
  231       235.0034     221.0150     206.1553     190.3964     173.7096
  232       225.4727     211.1693     195.9791     179.8736     162.8232
  233       215.8526     201.2292     185.7033     169.2456     151.8256
  234       206.1423     191.1938     175.3269     158.5113     140.7158
  235       196.3410     181.0623     164.8488     147.6696     129.4925
  236       186.4478     170.8337     154.2682     136.7196     118.1547
  237       176.4618     160.5070     143.5840     125.6600     106.7011
  238       166.3823     150.0814     132.7951     114.4898      95.1306
  239       156.2082     139.5559     121.9007     103.2080      83.4420
  240       145.9388     128.9295     110.8995      91.8133      71.6341
 
                                                                Page 5(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
  241       207.9295     195.2471     181.6895     167.2264     151.8260
  242       198.9542     185.9807     172.1178     157.3342     141.5976
  243       189.9041     176.6351     162.4622     147.3534     131.2754
  244       180.7786     167.2097     152.7222     137.2832     120.8586
  245       171.5770     157.7038     142.8970     127.1228     110.3463
  246       162.2988     148.1168     132.9858     116.8713      99.7377
  247       152.9432     138.4478     122.9879     106.5281      89.0318
  248       143.5097     128.6962     112.9024      96.0921      78.2277
  249       133.9976     118.8614     102.7288      85.5627      67.3247
  250       124.4062     108.9425      92.4661      74.9390      56.3217
  251       114.7349      98.9389      82.1136      64.2200      45.2178
  252       104.9830      88.8499      71.6705      53.4051      34.0121
 
  253        95.0427      78.5653      61.0245      42.3794      22.5876
  254        85.0196      68.1929      50.2853      31.2549      11.0583
  255        74.9130      57.7319      39.4521      20.0307       0.0000
  256        64.7221      47.1816      28.5241       8.7060
  257        54.4464      36.5411      17.5005       0.0000
  258        44.0850      25.8097       6.3805
  259        33.6372      14.9867       0.0000
  260        23.1024       4.0712
  261        12.4798       0.0000
  262         1.7687
  263         0.0000
 
                                                                Page 6(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
  241       135.4557     118.0816      99.6687      80.1804      59.5790
  242       124.8744     107.1298      88.3279      68.4312      47.4009
  243       114.1938      96.0730      76.8760      56.5645      35.0985
  244       103.4132      84.9103      65.3121      44.5791      22.6704
  245        92.5314      73.6406      53.6349      32.4738      10.1155
  246        81.5477      62.2629      41.8433      20.2476       0.0000
  247        70.4609      50.7761      29.9363       7.8990
  248        59.2703      39.1793      17.9127       0.0000
  249        47.9747      27.4713       5.7714
  250        36.5732      15.6511       0.0000
  251        25.0649       3.7177
  252        13.4486       0.0000
 
  253         1.6050
  254         0.0000
  255
  256
  257
  258
  259
  260
  261
  262
  263
 
                                                                Page 6(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
    1       999.7441     999.7581     999.7713     999.7839     999.7959
    2       999.4855     999.5136     999.5402     999.5655     999.5895
    3       999.2242     999.2665     999.3066     999.3446     999.3807
    4       998.9603     999.0167     999.0704     999.1213     999.1696
    5       998.6935     998.7644     998.8316     998.8955     998.9562
    6       998.4240     998.5093     998.5903     998.6673     998.7403
    7       998.1517     998.2515     998.3464     998.4365     998.5220
    8       997.8765     997.9910     998.0998     998.2032     998.3013
    9       997.5985     997.7277     997.8506     997.9672     998.0780
   10       997.3175     997.4617     997.5986     997.7287     997.8523
   11       997.0337     997.1928     997.3439     997.4876     997.6240
   12       996.7469     996.9210     997.0865     997.2438     997.3931
 
   13       996.3504     996.5377     996.7157     996.8847     997.0452
   14       995.9497     996.1503     996.3408     996.5217     996.6933
   15       995.5449     995.7588     995.9619     996.1546     996.3374
   16       995.1358     995.3631     995.5789     995.7835     995.9775
   17       994.7225     994.9633     995.1917     995.4083     995.6136
   18       994.3049     994.5591     994.8003     995.0289     995.2456
   19       993.8829     994.1507     994.4047     994.6454     994.8734
   20       993.4566     993.7380     994.0048     994.2576     994.4971
   21       993.0258     993.3209     993.6006     993.8656     994.1165
   22       992.5905     992.8993     993.1920     993.4692     993.7317
   23       992.1507     992.4732     992.7789     993.0685     993.3425
   24       991.7063     992.0427     992.3614     992.6633     992.9489
 
   25       991.1495     991.4978     991.8277     992.1399     992.4353
   26       990.5868     990.9471     991.2881     991.6108     991.9158
   27       990.0184     990.3905     990.7427     991.0758     991.3905
   28       989.4440     989.8281     990.1914     990.5349     990.8593
   29       988.8636     989.2596     989.6342     989.9880     990.3221
   30       988.2771     988.6852     989.0709     989.4351     989.7789
   31       987.6846     988.1046     988.5015     988.8761     989.2296
   32       987.0859     987.5178     987.9259     988.3110     988.6741
   33       986.4809     986.9249     987.3441     987.7396     988.1123
   34       985.8697     986.3256     986.7560     987.1618     987.5442
   35       985.2521     985.7199     986.1615     986.5777     986.9697
   36       984.6280     985.1078     985.5605     985.9872     986.3888
 
   37       983.8886     984.3784     984.8403     985.2753     985.6845
   38       983.1414     983.6412     984.1122     984.5555     984.9722
   39       982.3865     982.8962     983.3762     983.8278     984.2520
   40       981.6238     982.1432     982.6323     983.0920     983.5236
   41       980.8530     981.3823     981.8803     982.3481     982.7871
   42       980.0743     980.6133     981.1201     981.5960     982.0422
   43       979.2874     979.8361     980.3517     980.8356     981.2890
   44       978.4924     979.0506     979.5750     980.0668     980.5273
   45       977.6890     978.2568     978.7899     979.2895     979.7570
   46       976.8773     977.4546     977.9963     978.5037     978.9781
   47       976.0572     976.6438     977.1941     977.7091     978.1904
   48       975.2285     975.8245     976.3831     976.9058     977.3939
 
                                                                Page 7(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
    1       999.8072     999.8179     999.8281     999.8378     999.8469
    2       999.6122     999.6338     999.6542     999.6736     999.6919
    3       999.4150     999.4475     999.4782     999.5074     999.5351
    4       999.2155     999.2590     999.3002     999.3392     999.3763
    5       999.0137     999.0683     999.1200     999.1690     999.2155
    6       998.8096     998.8753     998.9377     998.9968     999.0528
    7       998.6032     998.6802     998.7532     998.8224     998.8880
    8       998.3944     998.4827     998.5665     998.6460     998.7213
    9       998.1832     998.2830     998.3776     998.4674     998.5525
   10       997.9696     998.0809     998.1865     998.2866     998.3816
   11       997.7535     997.8764     997.9931     998.1037     998.2086
   12       997.5350     997.6696     997.7974     997.9186     998.0335
 
   13       997.1974     997.3419     997.4789     997.6087     997.7318
   14       996.8560     997.0103     997.1566     997.2951     997.4264
   15       996.5107     996.6749     996.8305     996.9778     997.1172
   16       996.1614     996.3356     996.5005     996.6566     996.8042
   17       995.8081     995.9923     996.1666     996.3315     996.4874
   18       995.4508     995.6450     995.8288     996.0025     996.1667
   19       995.0894     995.2937     995.4869     995.6695     995.8420
   20       994.7238     994.9382     995.1409     995.3325     995.5134
   21       994.3540     994.5786     994.7909     994.9914     995.1807
   22       993.9800     994.2148     994.4367     994.6462     994.8439
   23       993.6017     993.8468     994.0783     994.2968     994.5030
   24       993.2191     993.4745     993.7156     993.9433     994.1579
 
   25       992.7144     992.9781     993.2270     993.4617     993.6829
   26       992.2040     992.4760     992.7326     992.9743     993.2020
   27       991.6877     991.9680     992.2322     992.4811     992.7152
   28       991.1655     991.4541     991.7260     991.9819     992.2224
   29       990.6372     990.9342     991.2137     991.4766     991.7236
   30       990.1030     990.4082     990.6954     990.9653     991.2186
   31       989.5626     989.8761     990.1709     990.4477     990.7075
   32       989.0160     989.3378     989.6401     989.9239     990.1900
   33       988.4632     988.7932     989.1031     989.3938     989.6662
   34       987.9040     988.2422     988.5597     988.8573     989.1359
   35       987.3384     987.6848     988.0098     988.3143     988.5992
   36       986.7664     987.1209     987.4534     987.7648     988.0558
 
   37       986.0689     986.4296     986.7675     987.0836     987.3788
   38       985.3635     985.7302     986.0735     986.3943     986.6935
   39       984.6499     985.0226     985.3712     985.6966     985.9998
   40       983.9282     984.3068     984.6606     984.9905     985.2975
   41       983.1982     983.5827     983.9415     984.2758     984.5866
   42       982.4598     982.8501     983.2139     983.5526     983.8670
   43       981.7130     982.1089     982.4777     982.8205     983.1385
   44       980.9577     981.3591     981.7327     982.0797     982.4011
   45       980.1936     980.6005     980.9789     981.3299     981.6546
   46       979.4209     979.8331     980.2161     980.5710     980.8989
   47       978.6392     979.0568     979.4443     979.8029     980.1339
   48       977.8486     978.2713     978.6633     979.0256     979.3595
 
                                                                Page 7(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
   49       974.2812     974.8844     975.4495     975.9776     976.4704
   50       973.3240     973.9344     974.5057     975.0392     975.5364
   51       972.3569     972.9743     973.5517     974.0904     974.5920
   52       971.3797     972.0040     972.5873     973.1312     973.6370
   53       970.3923     971.0233     971.6125     972.1613     972.6712
   54       969.3946     970.0323     970.6272     971.1808     971.6945
   55       968.3865     969.0307     969.6311     970.1894     970.7069
   56       967.3680     968.0185     968.6243     969.1870     969.7081
   57       966.3388     966.9955     967.6066     968.1736     968.6981
   58       965.2989     965.9617     966.5778     967.1490     967.6768
   59       964.2482     964.9168     965.5379     966.1131     966.6440
   60       963.1865     963.8609     964.4868     965.0658     965.5995
 
   61       962.0027     962.6807     963.3091     963.8897     964.4241
   62       960.8066     961.4879     962.1187     962.7007     963.2355
   63       959.5980     960.2825     960.9154     961.4985     962.0335
   64       958.3768     959.0642     959.6990     960.2831     960.8180
   65       957.1429     957.8330     958.4695     959.0542     959.5888
   66       955.8962     956.5887     957.2267     957.8117     958.3457
   67       954.6364     955.3312     955.9703     956.5556     957.0887
   68       953.3636     954.0604     954.7004     955.2856     955.8176
   69       952.0774     952.7760     953.4167     954.0015     954.5321
   70       950.7779     951.4780     952.1192     952.7033     953.2322
   71       949.4649     950.1662     950.8075     951.3907     951.9177
   72       948.1382     948.8404     949.4817     950.0637     950.5884
 
   73       946.6854     947.3864     948.0252     948.6037     949.1237
   74       945.2176     945.9169     946.5529     947.1275     947.6426
   75       943.7345     944.4318     945.0647     945.6351     946.1448
   76       942.2359     942.9309     943.5604     944.1261     944.6301
   77       940.7217     941.4141     942.0398     942.6005     943.0984
   78       939.1917     939.8812     940.5027     941.0581     941.5495
   79       937.6458     938.3319     938.9489     939.4987     939.9831
   80       936.0838     936.7663     937.3783     937.9220     938.3992
   81       934.5055     935.1839     935.7907     936.3279     936.7974
   82       932.9108     933.5848     934.1859     934.7162     935.1776
   83       931.2994     931.9687     932.5637     933.0867     933.5395
   84       929.6713     930.3354     930.9240     931.4392     931.8831
 
   85       927.9129     928.5694     929.1490     929.6540     930.0864
   86       926.1362     926.7846     927.3549     927.8492     928.2695
   87       924.3410     924.9808     925.5413     926.0243     926.4321
   88       922.5272     923.1579     923.7080     924.1794     924.5741
   89       920.6944     921.3157     921.8549     922.3140     922.6952
   90       918.8425     919.4538     919.9817     920.4281     920.7952
   91       916.9713     917.5722     918.0882     918.5214     918.8738
   92       915.0806     915.6706     916.1742     916.5935     916.9307
   93       913.1703     913.7488     914.2395     914.6444     914.9658
   94       911.2400     911.8065     912.2838     912.6738     912.9788
   95       909.2897     909.8436     910.3069     910.6815     910.9695
   96       907.3190     907.8599     908.3086     908.6671     908.9375
 
                                                                Page 8(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
   49       976.9289     977.3547     977.7489     978.1127     978.4474
   50       975.9987     976.4273     976.8236     977.1888     977.5241
   51       975.0578     975.4892     975.8874     976.2537     976.5895
   52       974.1061     974.5400     974.9400     975.3074     975.6433
   53       973.1436     973.5799     973.9814     974.3495     974.6855
   54       972.1700     972.6085     973.0114     973.3802     973.7160
   55       971.1852     971.6257     972.0299     972.3991     972.7345
   56       970.1892     970.6316     971.0367     971.4061     971.7410
   57       969.1817     969.6258     970.0318     970.4011     970.7352
   58       968.1627     968.6082     969.0149     969.3840     969.7171
   59       967.1320     967.5789     967.9859     968.3547     968.6865
   60       966.0895     966.5374     966.9447     967.3128     967.6432
 
   61       964.9139     965.3606     965.7658     966.1310     966.4576
   62       963.7247     964.1700     964.5729     964.9349     965.2574
   63       962.5220     962.9655     963.3658     963.7243     964.0424
   64       961.3054     961.7470     962.1444     962.4991     962.8126
   65       960.0749     960.5143     960.9085     961.2591     961.5676
   66       958.8303     959.2672     959.6579     960.0041     960.3073
   67       957.5715     958.0055     958.3924     958.7339     959.0315
   68       956.2982     956.7291     957.1120     957.4484     957.7400
   69       955.0103     955.4378     955.8163     956.1474     956.4327
   70       953.7077     954.1315     954.5052     954.8306     955.1093
   71       952.3901     952.8099     953.1786     953.4980     953.7696
   72       951.0575     951.4729     951.8362     952.1492     952.4134
 
   73       949.5871     949.9957     950.3513     950.6554     950.9098
   74       948.0999     948.5014     948.8487     949.1436     949.3877
   75       946.5957     946.9896     947.3283     947.6135     947.8469
   76       945.0742     945.4601     945.7898     946.0649     946.2872
   77       943.5352     943.9128     944.2331     944.4976     944.7083
   78       941.9787     942.3475     942.6578     942.9114     943.1100
   79       940.4043     940.7639     941.0639     941.3060     941.4920
   80       938.8118     939.1618     939.4510     939.6812     939.8541
   81       937.2011     937.5411     937.8190     938.0368     938.1961
   82       935.5720     935.9014     936.1676     936.3725     936.5178
   83       933.9242     934.2426     934.4966     934.6881     934.8188
   84       932.2575     932.5644     932.8058     932.9833     933.0989
 
   85       930.4480     930.7409     930.9670     931.1280     931.2258
   86       928.6178     928.8961     929.1063     929.2502     929.3296
   87       926.7667     927.0298     927.2236     927.3498     927.4102
   88       924.8943     925.1418     925.3185     925.4263     925.4671
   89       923.0004     923.2317     923.3908     923.4797     923.5002
   90       921.0849     921.2993     921.4402     921.5095     921.5091
   91       919.1474     919.3443     919.4664     919.5155     919.4935
   92       917.1877     917.3666     917.4692     917.4974     917.4532
   93       915.2056     915.3658     915.4482     915.4549     915.3877
   94       913.2007     913.3416     913.4033     913.3878     913.2969
   95       911.1729     911.2938     911.3341     911.2957     911.1804
   96       909.1219     909.2222     909.2403     909.1783     909.0378
 
                                                                Page 8(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
   97       905.2134     905.7386     906.1700     906.5098     906.7599
   98       903.0858     903.5947     904.0083     904.3286     904.5578
   99       900.9361     901.4281     901.8232     902.1234     902.3309
  100       898.7639     899.2384     899.6144     899.8938     900.0789
  101       896.5692     897.0255     897.3816     897.6397     897.8016
  102       894.3516     894.7891     895.1247     895.3606     895.4987
  103       892.1109     892.5289     892.8434     893.0563     893.1699
  104       889.8468     890.2447     890.5373     890.7267     890.8149
  105       887.5592     887.9362     888.2062     888.3713     888.4334
  106       885.2477     885.6032     885.8499     885.9898     886.0251
  107       882.9122     883.2454     883.4680     883.5821     883.5897
  108       880.5523     880.8625     881.0604     881.1478     881.1269
 
  109       878.0523     878.3367     878.5069     878.5648     878.5124
  110       875.5262     875.7840     875.9257     875.9531     875.8684
  111       872.9738     873.2042     873.3165     873.3127     873.1948
  112       870.3949     870.5970     870.6791     870.6431     870.4910
  113       867.7891     867.9621     868.0131     867.9441     867.7568
  114       865.1561     865.2992     865.3183     865.2152     864.9919
  115       862.4957     862.6080     862.5942     862.4562     862.1958
  116       859.8076     859.8882     859.8406     859.6667     859.3683
  117       857.0915     857.1395     857.0572     856.8465     856.5090
  118       854.3471     854.3616     854.2437     853.9950     853.6175
  119       851.5741     851.5542     851.3996     851.1121     850.6935
  120       848.7722     848.7170     848.5248     848.1974     847.7366
 
  121       845.8244     845.7307     845.4978     845.1274     844.6212
  122       842.8459     842.7128     842.4381     842.0235     841.4707
  123       839.8364     839.6627     839.3452     838.8853     838.2848
  124       836.7955     836.5803     836.2187     835.7124     835.0630
  125       833.7230     833.4651     833.0584     832.5045     831.8050
  126       830.6184     830.3168     829.8639     829.2612     828.5103
  127       827.4815     827.1351     826.6348     825.9821     825.1786
  128       824.3120     823.9196     823.3707     822.6668     821.8094
  129       821.1094     820.6698     820.0712     819.3149     818.4022
  130       817.8734     817.3856     816.7360     815.9259     814.9568
  131       814.6038     814.0665     813.3646     812.4995     811.4726
  132       811.3001     810.7121     809.9568     809.0354     807.9492
 
  133       807.8441     807.2020     806.3898     805.4086     804.2596
  134       804.3521     803.6546     802.7841     801.7417     800.5285
  135       800.8237     800.0696     799.1394     798.0344     796.7555
  136       797.2585     796.4464     795.4553     794.2861     792.9400
  137       793.6562     792.7848     791.7312     790.4965     789.0815
  138       790.0164     789.0842     787.9668     786.6650     785.1797
  139       786.3387     785.3443     784.1615     782.7912     781.2340
  140       782.6227     781.5647     780.3151     778.8746     777.2438
  141       778.8679     777.7450     776.4270     774.9147     773.2088
  142       775.0741     773.8846     772.4968     770.9112     769.1284
  143       771.2407     769.9832     768.5240     766.8634     765.0021
  144       767.3674     766.0404     764.5081     762.7710     760.8294
 
                                                                Page 9(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
   97       906.9224     906.9993     906.9925     906.9040     906.7355
   98       904.6977     904.7505     904.7180     904.6022     904.4049
   99       902.4475     902.4754     902.4165     902.2726     902.0457
  100       900.1716     900.1739     900.0877     899.9149     899.6574
  101       897.8695     897.8454     897.7312     897.5287     897.2398
  102       895.5411     895.4898     895.3467     895.1137     894.7925
  103       893.1860     893.1067     892.9339     892.6694     892.3151
  104       890.8040     890.6958     890.4925     890.1957     889.8073
  105       888.3946     888.2568     888.0220     887.6920     887.2686
  106       885.9576     885.7894     885.5222     885.1581     884.6987
  107       883.4927     883.2931     882.9928     882.5936     882.0973
  108       880.9996     880.7677     880.4333     879.9981     879.4638
 
  109       878.3517     878.0846     877.7130     877.2386     876.6633
  110       875.6735     875.3701     874.9603     874.4458     873.8283
  111       872.9646     872.6240     872.1750     871.6192     870.9584
  112       870.2246     869.8459     869.3566     868.7585     868.0533
  113       867.4533     867.0353     866.5047     865.8632     865.1125
  114       864.6502     864.1920     863.6189     862.9329     862.1355
  115       861.8150     861.3154     860.6989     859.9672     859.1219
  116       858.9473     858.4053     857.7443     856.9657     856.0713
  117       856.0467     855.4613     854.7545     853.9279     852.9832
  118       853.1129     852.4829     851.7292     850.8534     849.8572
  119       850.1455     849.4698     848.6680     847.7418     846.6927
  120       847.1441     846.4215     845.5705     844.5925     843.4893
 
  121       843.9809     843.2081     842.3044     841.2713     840.1104
  122       840.7814     839.9571     838.9995     837.9100     836.6900
  123       837.5452     836.6683     835.6554     834.5080     833.2276
  124       834.2720     833.3410     832.2715     831.0649     829.7226
  125       830.9613     829.9750     828.8475     827.5802     826.1745
  126       827.6126     826.5697     825.3828     824.0534     822.5828
  127       824.2256     823.1246     821.8770     820.4840     818.9470
  128       820.7998     819.6394     818.3296     816.8715     815.2664
  129       817.3347     816.1135     814.7400     813.2153     811.5407
  130       813.8299     812.5465     811.1078     809.5150     807.7691
  131       810.2849     808.9378     807.4325     805.7699     803.9512
  132       806.6994     805.2871     803.7135     801.9796     800.0863
 
  133       802.9440     801.4629     799.8173     798.0082     796.0365
  134       799.1456     797.5940     795.8748     793.9888     791.9369
  135       795.3037     793.6801     791.8855     789.9208     787.7869
  136       791.4178     789.7204     787.8488     785.8037     783.5859
  137       787.4873     785.7146     783.7642     781.6369     779.3332
  138       783.5118     781.6620     779.6311     777.4197     775.0283
  139       779.4907     777.5622     775.4489     773.1515     770.6705
  140       775.4236     773.4145     771.2170     768.8318     766.2591
  141       771.3099     769.2184     766.9349     764.4598     761.7935
  142       767.1490     764.9734     762.6020     760.0351     757.2730
  143       762.9405     760.6789     758.2175     755.5568     752.6969
  144       758.6837     756.3342     753.7811     751.0245     748.0646
 
                                                                Page 9(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
  145       763.3347     761.9345     760.3254     758.5078     756.4819
  146       759.2600     757.7849     756.0973     754.1975     752.0856
  147       755.1428     753.5912     751.8234     749.8396     747.6397
  148       750.9828     749.3530     747.5032     745.4335     743.1439
  149       746.7794     745.0698     743.1363     740.9789     738.5975
  150       742.5322     740.7410     738.7220     736.4750     733.9999
  151       738.2408     736.3662     734.2598     731.9214     729.3506
  152       733.9047     731.9450     729.7494     727.3176     724.6490
  153       729.5234     727.4768     725.1901     722.6629     719.8945
  154       725.0964     722.9611     720.5814     717.9568     715.0866
  155       720.6234     718.3974     715.9228     713.1987     710.2245
  156       716.1038     713.7853     711.2136     708.3881     705.3077
 
  157       711.4168     709.0016     706.3289     703.3975     700.2066
  158       706.6810     704.1672     701.3912     698.3519     695.0480
  159       701.8959     699.2814     696.4000     693.2505     689.8315
  160       697.0609     694.3437     691.3548     688.0928     684.5562
  161       692.1756     689.3535     686.2549     682.8781     679.2216
  162       687.2393     684.3103     681.0997     677.6059     673.8270
  163       682.2517     679.2135     675.8887     672.2754     668.3717
  164       677.2121     674.0626     670.6212     666.8861     662.8550
  165       672.1200     668.8569     665.2967     661.4373     657.2763
  166       666.9749     663.5959     659.9145     655.9283     651.6348
  167       661.7761     658.2791     654.4740     650.3585     645.9298
  168       656.5232     652.9057     648.9746     644.7272     640.1607
 
  169       651.0942     647.3515     643.2897     638.9056     634.1962
  170       645.6085     641.7384     637.5431     633.0197     628.1647
  171       640.0658     636.0656     631.7344     627.0688     622.0654
  172       634.4653     630.3326     625.8627     621.0522     615.8974
  173       628.8064     624.5386     619.9274     614.9692     609.6600
  174       623.0886     618.6830     613.9278     608.8190     603.3525
  175       617.3113     612.7653     607.8632     602.6009     596.9740
  176       611.4738     606.7847     601.7329     596.3141     590.5237
  177       605.5754     600.7405     595.5362     589.9579     584.0009
  178       599.6157     594.6321     589.2724     583.5316     577.4047
  179       593.5938     588.4588     582.9407     577.0343     570.7343
  180       587.5092     582.2199     576.5404     570.4652     563.9888
 
  181       581.2386     575.7898     569.9436     563.6942     557.0358
  182       574.9026     569.2914     563.2754     556.8485     550.0046
  183       568.5007     562.7240     556.5349     549.9271     542.8942
  184       562.0320     556.0868     549.7214     542.9293     535.7039
  185       555.4960     549.3790     542.8341     535.8543     528.4327
  186       548.8919     542.6000     535.8721     528.7012     521.0797
  187       542.2190     535.7489     528.8348     521.4690     513.6440
  188       535.4765     528.8251     521.7212     514.1570     506.1246
  189       528.6639     521.8277     514.5305     506.7643     498.5206
  190       521.7803     514.7560     507.2620     499.2899     490.8311
  191       514.8249     507.6091     499.9147     491.7330     483.0551
  192       507.7972     500.3862     492.4878     484.0927     475.1915
 
                                                                Page 10(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
  145       754.2482     751.8067     749.1575     746.3008     743.2365
  146       749.7618     747.2263     744.4790     741.5200     738.3490
  147       745.2241     742.5925     739.7450     736.6814     733.4015
  148       740.6343     737.9047     734.9548     731.7844     728.3932
  149       735.9920     733.1621     730.1076     726.8282     723.3233
  150       731.2964     728.3642     725.2029     721.8121     718.1910
  151       726.5471     723.5104     720.2400     716.7354     712.9957
  152       721.7433     718.5999     715.2182     711.5973     707.7366
  153       716.8845     713.6321     710.1367     706.3972     702.4128
  154       711.9700     708.6064     704.9948     701.1342     697.0235
  155       706.9993     703.5221     699.7919     695.8076     691.5681
  156       701.9715     698.3784     694.5272     690.4167     686.0455
 
  157       696.7549     693.0412     689.0643     684.8227     680.3149
  158       691.4784     687.6417     683.5364     679.1610     674.5138
  159       686.1416     682.1793     677.9430     673.4310     668.6414
  160       680.7435     676.6531     672.2831     667.6317     662.6968
  161       675.2837     671.0624     666.5560     661.7623     656.6792
  162       669.7612     665.4065     660.7609     655.8220     650.5876
  163       664.1755     659.6847     654.8969     649.8099     644.4211
  164       658.5258     653.8960     648.9634     643.7252     638.1788
  165       652.8113     648.0399     642.9594     637.5670     631.8598
  166       647.0314     642.1154     636.8840     631.3343     625.4631
  167       641.1852     636.1218     630.7366     625.0263     618.9878
  168       635.2721     630.0583     624.5161     618.6422     612.4329
 
  169       629.1585     623.7892     618.0847     612.0415     605.6558
  170       622.9750     617.4469     611.5769     605.3610     598.7953
  171       616.7206     611.0307     604.9918     598.5998     591.8506
  172       610.3945     604.5396     598.3285     591.7570     584.8205
  173       603.9959     597.9727     591.5861     584.8314     577.7040
  174       597.5240     591.3293     584.7636     577.8222     570.5000
  175       590.9780     584.6083     577.8601     570.7282     563.2075
  176       584.3570     577.8090     570.8746     563.5486     555.8253
  177       577.6601     570.9303     563.8062     556.2822     548.3524
  178       570.8864     563.9713     556.6538     548.9279     540.7877
  179       564.0351     556.9312     549.4165     541.4849     533.1299
  180       557.1054     549.8090     542.0932     533.9519     525.3780
 
  181       549.9623     542.4674     534.5446     526.1871     517.3878
  182       542.7373     535.0402     526.9062     518.3284     509.2994
  183       535.4296     527.5263     519.1772     510.3749     501.1116
  184       528.0381     519.9248     511.3564     502.3252     492.8231
  185       520.5620     512.2346     503.4427     494.1782     484.4327
  186       513.0002     504.4547     495.4350     485.9328     475.9392
  187       505.3517     496.5840     487.3323     477.5878     467.3414
  188       497.6156     488.6215     479.1333     469.1419     458.6378
  189       489.7908     480.5661     470.8370     460.5940     449.8272
  190       481.8764     472.4167     462.4421     451.9428     440.9084
  191       473.8713     464.1722     453.9476     443.1871     431.8799
  192       465.7745     455.8316     445.3522     434.3255     422.7404
 
                                                                Page 10(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
  193       500.5723     492.9605     484.8520     476.2373     467.1066
  194       493.2722     485.4559     477.1335     468.2952     458.9307
  195       485.8960     477.8715     469.3314     460.2654     450.6628
  196       478.4430     470.2066     461.4448     452.1469     442.3019
  197       470.9123     462.4602     453.4727     443.9388     433.8469
  198       463.3032     454.6315     445.4143     435.6400     425.2968
  199       455.6148     446.7196     437.2685     427.2496     416.6506
  200       447.8464     438.7237     429.0345     418.7666     407.9070
  201       439.9970     430.6428     420.7114     410.1899     399.0651
  202       432.0659     422.4760     412.2980     401.5185     390.1238
  203       424.0521     414.2225     403.7935     392.7513     381.0818
  204       415.9549     405.8813     395.1969     383.8874     371.9381
 
  205       407.6482     397.3240     386.3774     374.7936     362.5572
  206       399.2549     388.6758     377.4624     365.5993     353.0708
  207       390.7743     379.9358     368.4508     356.3036     343.4777
  208       382.2052     371.1028     359.3416     346.9052     333.7767
  209       373.5470     362.1760     350.1337     337.4030     323.9665
  210       364.7985     353.1544     340.8260     327.7959     314.0460
  211       355.9589     344.0369     331.4175     318.0827     304.0138
  212       347.0272     334.8225     321.9071     308.2623     293.8688
  213       338.0025     325.5103     312.2937     298.3335     283.6097
  214       328.8838     316.0991     302.5761     288.2950     273.2351
  215       319.6701     306.5879     292.7532     278.1456     262.7438
  216       310.3604     296.9756     282.8240     267.8842     252.1345
 
  217       300.8273     287.1325     272.6561     257.3762     241.2702
  218       291.1950     277.1848     262.3781     246.7522     230.2837
  219       281.4623     267.1315     251.9887     236.0108     219.1736
  220       271.6282     256.9713     241.4868     225.1509     207.9384
  221       261.6917     246.7032     230.8712     214.1710     196.5769
  222       251.6517     236.3259     220.1405     203.0699     185.0876
  223       241.5071     225.8384     209.2936     191.8462     173.4690
  224       231.2568     215.2395     198.3292     180.4986     161.7197
  225       220.8997     204.5280     187.2459     169.0257     149.8383
  226       210.4348     193.7026     176.0427     157.4261     137.8231
  227       199.8609     182.7623     164.7180     145.6984     125.6728
  228       189.1767     171.7057     153.2707     133.8413     113.3858
 
  229       178.2537     160.4016     141.5670     121.7185     100.8236
  230       167.2169     148.9774     129.7366     109.4619      88.1200
  231       156.0651     137.4319     117.7779      97.0700      75.2735
  232       144.7971     125.7637     105.6898      84.5412      62.2825
  233       133.4118     113.9715      93.4707      71.8742      49.1454
  234       121.9079     102.0540      81.1192      59.0672      35.8604
  235       110.2841      90.0099      68.6339      46.1188      22.4260
  236        98.5393      77.8378      56.0133      33.0275       8.8405
  237        86.6721      65.5364      43.2560      19.7916       0.0000
  238        74.6813      53.1043      30.3605       6.4095
  239        62.5656      40.5400      17.3253       0.0000
  240        50.3237      27.8423       4.1489
 
                                                                Page 11(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
  193       457.4497     447.2560     436.5148     425.2148     413.3442
  194       449.0294     438.5805     427.5725     415.9939     403.8324
  195       440.5127     429.8037     418.5241     406.6616     394.2037
  196       431.8984     420.9245     409.3681     397.2166     384.4567
  197       423.1853     411.9417     400.1035     387.6574     374.5898
  198       414.3725     402.8542     390.7288     377.9827     364.6017
  199       405.4586     393.6606     381.2428     368.1911     354.4908
  200       396.4427     384.3597     371.6441     358.2812     344.2557
  201       387.3234     374.9504     361.9315     348.2515     333.8947
  202       378.0996     365.4313     352.1035     338.1007     323.4063
  203       368.7701     355.8011     342.1589     327.8272     312.7891
  204       359.3337     346.0585     332.0961     317.4296     302.0413
 
  205       349.6526     336.0634     321.7726     306.7627     291.0155
  206       339.8606     325.9516     311.3265     295.9669     279.8542
  207       329.9563     315.7219     300.7563     285.0407     268.5557
  208       319.9386     305.3728     290.0606     273.9825     257.1183
  209       309.8061     294.9030     279.2379     262.7907     245.5404
  210       299.5575     284.3111     268.2867     251.4636     233.8201
  211       289.1914     273.5956     257.2055     239.9996     221.9557
  212       278.7066     262.7550     245.9926     228.3972     209.9456
  213       268.1016     251.7880     234.6466     216.6545     197.7878
  214       257.3752     240.6930     223.1659     204.7699     185.4805
  215       246.5258     229.4686     211.5488     192.7418     173.0220
  216       235.5521     218.1133     199.7938     180.5682     160.4104
 
  217       224.3146     206.4851     187.7565     168.1026     147.4963
  218       212.9484     194.7213     175.5763     155.4864     134.4235
  219       201.4520     182.8202     163.2514     142.7177     121.1900
  220       189.8238     170.7803     150.7802     129.7947     107.7939
  221       178.0624     158.6000     138.1609     116.7155      94.2331
  222       166.1663     146.2775     125.3917     103.4783      80.5056
  223       154.1338     133.8112     112.4709      90.0812      66.6094
  224       141.9635     121.1996      99.3967      76.5222      52.5424
  225       129.6537     108.4407      86.1672      62.7994      38.3025
  226       117.2028      95.5331      72.7806      48.9107      23.8875
  227       104.6093      82.4748      59.2350      34.8542       9.2953
  228        91.8715      69.2642      45.5286      20.6279       0.0000
 
  229        78.8483      55.7577      31.5153       6.0831
  230        65.6760      42.0937      17.3356       0.0000
  231        52.3527      28.2703       2.9875
  232        38.8767      14.2855       0.0000
  233        25.2464       0.1377
  234        11.4598       0.0000
  235         0.0000
  236
  237
  238
  239
  240
 
                                                                Page 11(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
  241        37.8253      14.8785       0.0000
  242        25.1967       1.7768
  243        12.4366       0.0000
  244         0.0000
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
  241
  242
  243
  244
 
                                                                Page 12
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     15.00        15.25        15.50        15.75        16.00
 
    1       999.8556     999.8637     999.8715     999.8788     999.8858
    2       999.7093     999.7258     999.7413     999.7561     999.7700
    3       999.5612     999.5860     999.6095     999.6317     999.6527
    4       999.4113     999.4445     999.4759     999.5057     999.5338
    5       999.2595     999.3012     999.3407     999.3780     999.4134
    6       999.1058     999.1561     999.2037     999.2487     999.2913
    7       998.9502     999.0091     999.0649     999.1177     999.1676
    8       998.7926     998.8603     998.9243     998.9849     999.0423
    9       998.6331     998.7095     998.7819     998.8504     998.9153
   10       998.4716     998.5569     998.6377     998.7142     998.7866
   11       998.3080     998.4023     998.4916     998.5761     998.6562
   12       998.1424     998.2457     998.3436     998.4363     998.5240
 
   13       997.8483     997.9587     998.0632     998.1621     998.2556
   14       997.5506     997.6681     997.7792     997.8843     997.9837
   15       997.2491     997.3738     997.4916     997.6029     997.7081
   16       996.9438     997.0757     997.2003     997.3178     997.4288
   17       996.6347     996.7738     996.9051     997.0290     997.1458
   18       996.3218     996.4681     996.6062     996.7364     996.8590
   19       996.0049     996.1585     996.3034     996.4399     996.5684
   20       995.6841     995.8450     995.9967     996.1396     996.2740
   21       995.3592     995.5275     995.6860     995.8353     995.9756
   22       995.0303     995.2060     995.3714     995.5270     995.6732
   23       994.6973     994.8804     995.0526     995.2146     995.3668
   24       994.3602     994.5506     994.7298     994.8982     995.0563
 
   25       993.8911     994.0869     994.2710     994.4438     994.6059
   26       993.4161     993.6174     993.8063     993.9835     994.1494
   27       992.9352     993.1418     993.3356     993.5171     993.6869
   28       992.4483     992.6602     992.8588     993.0446     993.2182
   29       991.9553     992.1725     992.3758     992.5658     992.7432
   30       991.4562     991.6786     991.8866     992.0809     992.2619
   31       990.9508     991.1784     991.3911     991.5895     991.7742
   32       990.4391     990.6719     990.8892     991.0917     991.2800
   33       989.9210     990.1589     990.3808     990.5874     990.7792
   34       989.3964     989.6394     989.8659     990.0764     990.2717
   35       988.8653     989.1134     989.3443     989.5587     989.7575
   36       988.3275     988.5806     988.8159     989.0343     989.2364
 
   37       987.6540     987.9100     988.1477     988.3678     988.5712
   38       986.9721     987.2309     987.4708     987.6926     987.8971
   39       986.2817     986.5432     986.7852     987.0085     987.2140
   40       985.5826     985.8467     986.0907     986.3154     986.5218
   41       984.8748     985.1414     985.3872     985.6133     985.8204
   42       984.1582     984.4271     984.6747     984.9019     985.1096
   43       983.4326     983.7037     983.9530     984.1812     984.3893
   44       982.6979     982.9712     983.2219     983.4511     983.6595
   45       981.9540     982.2293     982.4814     982.7113     982.9199
   46       981.2009     981.4780     981.7314     981.9618     982.1705
   47       980.4383     980.7172     980.9716     981.2026     981.4110
   48       979.6662     979.9467     980.2020     980.4333     980.6415
 
                                                                Page 13(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     16.25        16.50        16.75        17.00        17.25
 
    1       999.8923     999.8985     999.9044     999.9099     999.9151
    2       999.7832     999.7956     999.8074     999.8186     999.8291
    3       999.6726     999.6914     999.7091     999.7259     999.7418
    4       999.5605     999.5856     999.6094     999.6319     999.6532
    5       999.4468     999.4784     999.5084     999.5366     999.5633
    6       999.3317     999.3698     999.4059     999.4400     999.4722
    7       999.2149     999.2597     999.3020     999.3419     999.3798
    8       999.0966     999.1480     999.1966     999.2425     999.2860
    9       998.9767     999.0348     999.0898     999.1417     999.1909
   10       998.8552     998.9200     998.9814     999.0395     999.0944
   11       998.7320     998.8037     998.8716     998.9358     998.9965
   12       998.6071     998.6858     998.7602     998.8306     998.8972
 
   13       998.3441     998.4277     998.5067     998.5814     998.6519
   14       998.0775     998.1661     998.2497     998.3286     998.4031
   15       997.8073     997.9009     997.9891     998.0723     998.1507
   16       997.5334     997.6320     997.7249     997.8124     997.8946
   17       997.2558     997.3595     997.4570     997.5487     997.6349
   18       996.9745     997.0832     997.1853     997.2813     997.3714
   19       996.6894     996.8031     996.9099     997.0102     997.1042
   20       996.4004     996.5191     996.6306     996.7351     996.8331
   21       996.1074     996.2313     996.3474     996.4562     996.5581
   22       995.8106     995.9394     996.0603     996.1734     996.2792
   23       995.5097     995.6436     995.7691     995.8865     995.9963
   24       995.2047     995.3437     995.4739     995.5956     995.7093
 
   25       994.7577     994.8998     995.0326     995.1565     995.2721
   26       994.3047     994.4498     994.5852     994.7113     994.8286
   27       993.8455     993.9936     994.1315     994.2597     994.3788
   28       993.3802     993.5311     993.6714     993.8017     993.9225
   29       992.9085     993.0622     993.2050     993.3373     993.4596
   30       992.4304     992.5869     992.7320     992.8663     992.9901
   31       991.9459     992.1051     992.2525     992.3885     992.5138
   32       991.4548     991.6167     991.7662     991.9041     992.0307
   33       990.9570     991.1215     991.2732     991.4127     991.5406
   34       990.4526     990.6195     990.7733     990.9144     991.0435
   35       989.9412     990.1107     990.2664     990.4091     990.5393
   36       989.4230     989.5948     989.7524     989.8965     990.0278
 
   37       988.7585     988.9305     989.0879     989.2313     989.3614
   38       988.0850     988.2571     988.4141     988.5567     988.6855
   39       987.4024     987.5745     987.7309     987.8725     987.9998
   40       986.7105     986.8824     987.0382     987.1786     987.3043
   41       986.0093     986.1808     986.3358     986.4749     986.5988
   42       985.2986     985.4696     985.6236     985.7612     985.8832
   43       984.5782     984.7487     984.9015     985.0374     985.1572
   44       983.8481     984.0178     984.1692     984.3034     984.4209
   45       983.1081     983.2768     983.4268     983.5589     983.6739
   46       982.3581     982.5257     982.6740     982.8039     982.9162
   47       981.5979     981.7642     981.9107     982.0382     982.1476
   48       980.8275     980.9923     981.1367     981.2617     981.3680
 
                                                                Page 13(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     15.00        15.25        15.50        15.75        16.00
 
   49       978.7542     979.0340     979.2881     979.5175     979.7231
   50       977.8307     978.1098     978.3624     978.5896     978.7925
   51       976.8958     977.1738     977.4247     977.6496     977.8494
   52       975.9491     976.2259     976.4749     976.6972     976.8938
   53       974.9906     975.2660     975.5129     975.7323     975.9255
   54       974.0202     974.2939     974.5384     974.7548     974.9442
   55       973.0376     973.3094     973.5513     973.7645     973.9499
   56       972.0427     972.3124     972.5515     972.7611     972.9423
   57       971.0353     971.3028     971.5388     971.7446     971.9213
   58       970.0154     970.2803     970.5130     970.7147     970.8866
   59       968.9828     969.2448     969.4739     969.6713     969.8382
   60       967.9372     968.1962     968.4214     968.6142     968.7758
 
   61       966.7470     967.0006     967.2196     967.4054     967.5592
   62       965.5419     965.7897     966.0023     966.1808     966.3265
   63       964.3217     964.5635     964.7692     964.9400     965.0773
   64       963.0863     963.3217     963.5202     963.6830     963.8115
   65       961.8355     962.0641     962.2550     962.4095     962.5288
   66       960.5690     960.7906     960.9736     961.1192     961.2290
   67       959.2866     959.5009     959.6755     959.8121     959.9118
   68       957.9883     958.1947     958.3607     958.4878     958.5771
   69       956.6737     956.8720     957.0290     957.1460     957.2246
   70       955.3427     955.5325     955.6800     955.7867     955.8541
   71       953.9951     954.1759     954.3136     954.4096     954.4653
   72       952.6306     952.8021     952.9295     953.0143     953.0579
 
   73       951.1161     951.2758     951.3905     951.4616     951.4905
   74       949.5827     949.7302     949.8316     949.8884     949.9022
   75       948.0302     948.1649     948.2525     948.2946     948.2927
   76       946.4582     946.5797     946.6531     946.6799     946.6617
   77       944.8666     944.9743     945.0330     945.0440     945.0090
   78       943.2551     943.3486     943.3919     943.3867     943.3342
   79       941.6235     941.7022     941.7297     941.7075     941.6372
   80       939.9715     940.0349     940.0460     940.0064     939.9175
   81       938.2988     938.3464     938.3406     938.2829     938.1748
   82       936.6052     936.6364     936.6131     936.5367     936.4090
   83       934.8904     934.9047     934.8633     934.7677     934.6195
   84       933.1542     933.1510     933.0909     932.9755     932.8063
 
   85       931.2621     931.2387     931.1571     931.0191     930.8261
   86       929.3463     929.3020     929.1984     929.0370     928.8195
   87       927.4066     927.3408     927.2143     927.0289     926.7861
   88       925.4426     925.3546     925.2047     924.9945     924.7257
   89       923.4541     923.3432     923.1691     922.9334     922.6377
   90       921.4407     921.3062     921.1071     920.8452     920.5219
   91       919.4022     919.2433     919.0186     918.7296     918.3779
   92       917.3382     917.1542     916.9030     916.5862     916.2054
   93       915.2484     915.0386     914.7602     914.4147     914.0038
   94       913.1324     912.8961     912.5897     912.2147     911.7729
   95       910.9900     910.7264     910.3911     909.9859     909.5123
   96       908.8208     908.5290     908.1641     907.7277     907.2215
 
                                                                Page 14(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     16.25        16.50        16.75        17.00        17.25
 
   49       979.9059     980.0670     980.2071     980.3273     980.4282
   50       978.9719     979.1290     979.2646     979.3796     979.4749
   51       978.0253     978.1781     978.3089     978.4185     978.5078
   52       977.0658     977.2142     977.3399     977.4438     977.5269
   53       976.0933     976.2370     976.3573     976.4553     976.5318
   54       975.1077     975.2463     975.3610     975.4528     975.5225
   55       974.1087     974.2420     974.3508     974.4360     974.4987
   56       973.0962     973.2240     973.3265     973.4049     973.4601
   57       972.0700     972.1919     972.2879     972.3592     972.4066
   58       971.0299     971.1456     971.2349     971.2986     971.3380
   59       969.9757     970.0850     970.1671     970.2231     970.2539
   60       968.9072     969.0097     969.0844     969.1323     969.1544
 
   61       967.6822     967.7756     967.8403     967.8776     967.8885
   62       966.4407     966.5244     966.5789     966.6053     966.6044
   63       965.1823     965.2561     965.2999     965.3148     965.3019
   64       963.9069     963.9703     964.0030     964.0061     963.9807
   65       962.6142     962.6669     962.6881     962.6789     962.6405
   66       961.3040     961.3455     961.3547     961.3329     961.2810
   67       959.9760     960.0060     960.0028     959.9678     959.9019
   68       958.6301     958.6480     958.6320     958.5833     958.5030
   69       957.2659     957.2714     957.2421     957.1792     957.0841
   70       955.8833     955.8758     955.8327     955.7553     955.6447
   71       954.4820     954.4610     954.4037     954.3112     954.1846
   72       953.0616     953.0268     952.9547     952.8466     952.7036
 
   73       951.4786     951.4273     951.3378     951.2114     951.0493
   74       949.8742     949.8058     949.6984     949.5531     949.3712
   75       948.2480     948.1620     948.0360     947.8713     947.6690
   76       946.5998     946.4956     946.3505     946.1656     945.9423
   77       944.9293     944.8063     944.6414     944.4358     944.1908
   78       943.2362     943.0938     942.9084     942.6815     942.4141
   79       941.5201     941.3577     941.1513     940.9023     940.6118
   80       939.7808     939.5977     939.3697     939.0979     938.7837
   81       938.0179     937.8136     937.5631     937.2680     936.9293
   82       936.2312     936.0049     935.7314     935.4121     935.0482
   83       934.4203     934.1713     933.8741     933.5299     933.1401
   84       932.5848     932.3126     931.9909     931.6211     931.2046
 
   85       930.5796     930.2812     929.9322     929.5339     929.0877
   86       928.5473     928.2219     927.8447     927.4171     926.9404
   87       926.4874     926.1343     925.7281     925.2704     924.7623
   88       924.3997     924.0180     923.5820     923.0932     922.5528
   89       922.2836     921.8726     921.4059     920.8852     920.3116
   90       920.1389     919.6976     919.1995     918.6459     918.0381
   91       917.9652     917.4928     916.9622     916.3749     915.7320
   92       915.7620     915.2577     914.6938     914.0717     913.3927
   93       913.5290     912.9918     912.3936     911.7358     911.0198
   94       911.2658     910.6948     910.0614     909.3669     908.6128
   95       908.9719     908.3662     907.6966     906.9645     906.1712
   96       906.6469     906.0055     905.2988     904.5280     903.6945
 
                                                                Page 14(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     15.00        15.25        15.50        15.75        16.00
 
   97       906.4890     906.1661     905.7685     905.2980     904.7560
   98       904.1280     903.7731     903.3420     902.8363     902.2576
   99       901.7375     901.3497     900.8841     900.3423     899.7259
  100       899.3171     898.8955     898.3945     897.8156     897.1605
  101       896.8664     896.4101     895.8727     895.2557     894.5608
  102       894.3851     893.8932     893.3183     892.6623     891.9265
  103       891.8728     891.3442     890.7310     890.0347     889.2571
  104       889.3291     888.7629     888.1102     887.3727     886.5521
  105       886.7536     886.1487     885.4556     884.6758     883.8110
  106       884.1459     883.5013     882.7667     881.9435     881.0333
  107       881.5056     880.8203     880.0430     879.1753     878.2186
  108       878.8323     878.1052     877.2842     876.3707     875.3664
 
  109       875.9887     875.2166     874.3485     873.3860     872.3306
  110       873.1095     872.2912     871.3748     870.3620     869.2542
  111       870.1943     869.3286     868.3628     867.2984     866.1369
  112       867.2427     866.3284     865.3118     864.1945     862.9780
  113       864.2542     863.2900     862.2214     861.0499     859.7769
  114       861.2284     860.2131     859.0912     857.8641     856.5332
  115       858.1647     857.0970     855.9205     854.6364     853.2462
  116       855.0627     853.9414     852.7088     851.3664     849.9154
  117       851.9220     850.7456     849.4556     848.0534     846.5402
  118       848.7419     847.5092     846.1605     844.6970     843.1200
  119       845.5222     844.2317     842.8227     841.2965     839.6542
  120       842.2622     840.9126     839.4419     837.8513     836.1422
 
  121       838.8231     837.4108     835.8747     834.2161     832.4363
  122       835.3411     833.8644     832.2614     830.5332     828.6810
  123       831.8155     830.2731     828.6015     826.8019     824.8755
  124       828.2459     826.6360     824.8943     823.0217     821.0194
  125       824.6316     822.9528     821.1392     819.1918     817.1118
  126       820.9722     819.2227     817.3356     815.3117     813.1522
  127       817.2670     815.4453     813.4828     811.3807     809.1397
  128       813.5155     811.6198     809.5803     807.3980     805.0738
  129       809.7171     807.7457     805.6274     803.3631     800.9536
  130       805.8713     803.8224     801.6235     799.2752     796.7785
  131       801.9773     799.8492     797.5678     795.1337     792.5478
  132       798.0347     795.8256     793.4597     790.9378     788.2606
 
  133       793.9032     791.6089     789.1545     786.5406     783.7677
  134       789.7199     787.3386     784.7937     782.0856     779.2149
  135       785.4844     783.0141     780.3765     777.5721     774.6014
  136       781.1960     778.6346     775.9023     772.9994     769.9264
  137       776.8539     774.1995     771.3703     768.3667     765.1890
  138       772.4576     769.7079     766.7797     763.6732     760.3885
  139       768.0063     765.1594     762.1299     758.9180     755.5240
  140       763.4994     760.5530     757.4200     754.1005     750.5946
  141       758.9361     755.8880     752.6492     749.2197     745.5995
  142       754.3158     751.1638     747.8168     744.2749     740.5378
  143       749.6378     746.3795     742.9221     739.2652     735.4086
  144       744.9013     741.5345     737.9641     734.1897     730.2111
 
                                                                Page 15(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     16.25        16.50        16.75        17.00        17.25
 
   97       904.1442     903.4640     902.7168     901.9041     901.0271
   98       901.6075     900.8874     900.0988     899.2430     898.3214
   99       899.0365     898.2755     897.4443     896.5443     895.5768
  100       896.4306     895.6276     894.7527     893.8073     892.7928
  101       893.7895     892.9433     892.0235     891.0316     889.9688
  102       891.1126     890.2221     889.2562     888.2165     887.1041
  103       888.3995     887.4635     886.4504     885.3615     884.1983
  104       885.6496     884.6669     883.6053     882.4661     881.2507
  105       882.8625     881.8319     880.7205     879.5297     878.2607
  106       880.0377     878.9579     877.7955     876.5517     875.2277
  107       877.1745     876.0444     874.8297     873.5315     872.1512
  108       874.2727     873.0909     871.8224     870.4685     869.0304
 
  109       871.1837     869.9467     868.6210     867.2077     865.7082
  110       868.0529     866.7593     865.3749     863.9008     862.3382
  111       864.8797     863.5281     862.0835     860.5470     858.9198
  112       861.6635     860.2525     858.7461     857.1457     855.4522
  113       858.4038     856.9318     855.3622     853.6962     851.9348
  114       855.0999     853.5654     851.9310     850.1978     848.3668
  115       851.7513     850.1528     848.4519     846.6498     844.7476
  116       848.3573     846.6932     844.9243     843.0517     841.0763
  117       844.9174     843.1861     841.3474     839.4025     837.3522
  118       841.4309     839.6307     837.7206     835.7016     833.5746
  119       837.8972     836.0265     834.0432     831.9483     829.7427
  120       834.3156     832.3727     830.3145     828.1419     825.8558
 
  121       830.5363     828.5172     826.3800     824.1255     821.7548
  122       826.7058     824.6086     822.3905     820.0523     817.5948
  123       822.8234     820.6464     818.3454     815.9214     813.3750
  124       818.8884     816.6296     814.2439     811.7320     809.0946
  125       814.9001     812.5576     810.0850     807.4832     804.7527
  126       810.8579     808.4296     805.8682     803.1742     800.3483
  127       806.7609     804.2449     801.5924     798.8042     795.8807
  128       802.6084     800.0026     797.2570     794.3722     791.3488
  129       798.3997     795.7020     792.8611     789.8775     786.7517
  130       794.1340     791.3422     788.4038     785.3191     782.0886
  131       789.8105     786.9225     783.8843     780.6962     777.3584
  132       785.4285     782.4421     779.3017     776.0077     772.5603
 
  133       780.8363     777.7470     774.4999     771.0953     767.5334
  134       776.1820     772.9873     769.6311     766.1134     762.4343
  135       771.4647     768.1623     764.6943     761.0608     757.2619
  136       766.6835     763.2708     759.6886     755.9367     752.0152
  137       761.8375     758.3121     754.6130     750.7400     746.6930
  138       756.9259     753.2853     749.4666     745.4697     741.2943
  139       751.9478     748.1893     744.2484     740.1247     735.8180
  140       746.9023     743.0232     738.9573     734.7040     730.2630
  141       741.7884     737.7861     733.5923     729.2065     724.6281
  142       736.6053     732.4771     728.1525     723.6311     718.9122
  143       731.3521     727.0949     722.6367     717.9767     713.1142
  144       726.0276     721.6388     717.0440     712.2423     707.2328
 
                                                                Page 15(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     15.00        15.25        15.50        15.75        16.00
 
  145       739.9645     736.4846     732.7965     728.8998     724.7942
  146       734.9659     731.3704     727.5621     723.5405     719.3050
  147       729.9049     726.1913     722.2602     718.1109     713.7427
  148       724.7807     720.9464     716.8898     712.6100     708.1062
  149       719.5924     715.6349     711.4500     707.0369     702.3946
  150       714.3392     710.2558     705.9399     701.3906     696.6068
  151       709.0204     704.8083     700.3587     695.6702     690.7418
  152       703.6351     699.2917     694.7054     689.8748     684.7986
  153       698.1824     693.7049     688.9790     684.0033     678.7762
  154       692.6616     688.0472     683.1787     678.0547     672.6735
  155       687.0718     682.3175     677.3035     672.0281     666.4894
  156       681.4122     676.5150     671.3523     665.9223     660.2229
 
  157       675.5393     670.4940     665.1774     659.5872     653.7213
  158       669.5929     664.3966     658.9226     653.1689     647.1330
  159       663.5723     658.2216     652.5871     646.6663     640.4568
  160       657.4764     651.9682     646.1697     640.0784     633.6917
  161       651.3043     645.6353     639.6695     633.4041     626.8363
  162       645.0551     639.2219     633.0852     626.6421     619.8895
  163       638.7277     632.7270     626.4160     619.7914     612.8501
  164       632.3212     626.1496     619.6605     612.8508     605.7169
  165       625.8347     619.4885     612.8179     605.8191     598.4885
  166       619.2671     612.7429     605.8868     598.6951     591.1638
  167       612.6174     605.9115     598.8662     591.4776     583.7414
  168       605.8845     598.9933     591.7550     584.1654     576.2200
 
  169       598.9236     591.8410     584.4034     576.6064     568.4453
  170       591.8757     584.5977     576.9569     568.9482     560.5669
  171       584.7397     577.2625     569.4141     561.1896     552.5835
  172       577.5145     569.8340     561.7740     553.3290     544.4937
  173       570.1990     562.3111     554.0351     545.3654     536.2959
  174       562.7920     554.6927     546.1963     537.2971     527.9889
  175       555.2924     546.9774     538.2563     529.1230     519.5711
  176       547.6991     539.1640     530.2137     520.8416     511.0411
  177       540.0109     531.2514     522.0672     512.4516     502.3974
  178       532.2266     523.2382     513.8155     503.9514     493.6384
  179       524.3450     515.1231     505.4572     495.3396     484.7626
  180       516.3648     506.9050     496.9909     486.6148     475.7684
 
  181       508.1396     498.4347     488.2653     477.6232     466.4998
  182       499.8115     489.8568     479.4271     468.5136     457.1076
  183       491.3794     481.1699     470.4746     459.2845     447.5901
  184       482.8418     472.3726     461.4065     449.9342     437.9458
  185       474.1975     463.4635     452.2213     440.4612     428.1729
  186       465.4452     454.4412     442.9175     430.8638     418.2696
  187       456.5835     445.3042     433.4935     421.1405     408.2343
  188       447.6109     436.0512     423.9477     411.2896     398.0653
  189       438.5263     426.6805     414.2787     401.3094     387.7606
  190       429.3281     417.1907     404.4848     391.1982     377.3185
  191       420.0149     407.5803     394.5643     380.9543     366.7372
  192       410.5852     397.8478     384.5157     370.5759     356.0148
 
                                                                Page 16(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     16.25        16.50        16.75        17.00        17.25
 
  145       720.4788     715.9532     711.2164     706.2675     701.1055
  146       714.8549     710.1894     705.3074     700.2081     694.8902
  147       709.1548     704.3463     699.3160     694.0628     688.5855
  148       703.3775     698.4228     693.2409     687.8305     682.1902
  149       697.5220     692.4179     687.0811     681.5099     675.7029
  150       691.5872     686.3305     680.8352     675.0998     669.1224
  151       685.5720     680.1594     674.5022     668.5988     662.4473
  152       679.4754     673.9033     668.0808     662.0058     655.6763
  153       673.2962     667.5613     661.5697     655.3193     648.8079
  154       667.0333     661.1321     654.9678     648.5382     641.8408
  155       660.6856     654.6145     648.2737     641.6609     634.7735
  156       654.2520     648.0072     641.4862     634.6862     627.6047
 
  157       647.5774     641.1530     634.4455     627.4521     620.1698
  158       640.8125     634.2046     627.3066     620.1155     612.6281
  159       633.9559     627.1606     620.0681     612.6750     604.9779
  160       627.0065     620.0198     612.7285     605.1290     597.2178
  161       619.9630     612.7808     605.2864     597.4762     589.3462
  162       612.8241     605.4423     597.7405     589.7149     581.3614
  163       605.5885     598.0028     590.0893     581.8437     573.2618
  164       598.2550     590.4611     582.3312     573.8609     565.0457
  165       590.8221     582.8157     574.4649     565.7651     556.7116
  166       583.2886     575.0651     566.4887     557.5546     548.2577
  167       575.6531     567.2080     558.4013     549.2278     539.6822
  168       567.9141     559.2428     550.2009     540.7830     530.9835
 
  169       559.9151     551.0105     541.7261     532.0563     521.9951
  170       551.8077     542.6649     533.1331     523.2060     512.8776
  171       543.5905     534.2047     524.4200     514.2303     503.6289
  172       535.2620     525.6280     515.5854     505.1275     494.2474
  173       526.8208     516.9335     506.6275     495.8957     484.7310
  174       518.2653     508.1194     497.5445     486.5331     475.0777
  175       509.5939     499.1842     488.3347     477.0379     465.2857
  176       500.8051     490.1260     478.9964     467.4082     455.3530
  177       491.8972     480.9433     469.5277     457.6420     445.2775
  178       482.8688     471.6344     459.9269     447.7375     435.0571
  179       473.7180     462.1974     450.1920     437.6927     424.6898
  180       464.4434     452.6307     440.3213     427.5055     414.1735
 
  181       454.8863     442.7733     430.1513     417.0102     403.3398
  182       445.1997     432.7803     419.8392     406.3662     392.3503
  183       435.3820     422.6498     409.3833     395.5714     381.2029
  184       425.4313     412.3801     398.7814     384.6237     369.8953
  185       415.3459     401.9692     388.0315     373.5209     358.4251
  186       405.1239     391.4152     377.1316     362.2608     346.7900
  187       394.7635     380.7160     366.0795     350.8412     334.9876
  188       384.2628     369.8697     354.8732     339.2598     323.0156
  189       373.6199     358.8743     343.5104     327.5143     310.8716
  190       362.8328     347.7276     331.9890     315.6024     298.5529
  191       351.8997     336.4278     320.3068     303.5218     286.0571
  192       340.8186     324.9725     308.4616     291.2701     273.3818
 
                                                                Page 16(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     15.00        15.25        15.50        15.75        16.00
 
  193       400.8910     387.8425     374.1859     359.9075     344.9934
  194       391.0755     377.7101     363.7227     349.0991     333.8249
  195       381.1373     367.4489     353.1242     338.1489     322.5076
  196       371.0750     357.0572     342.3890     327.0549     311.0394
  197       360.8868     346.5336     331.5150     315.8153     299.4182
  198       350.5713     335.8761     320.5006     304.4282     287.6421
  199       340.1268     325.0833     309.3439     292.8917     275.7090
  200       329.5518     314.1533     298.0431     281.2037     263.6168
  201       318.8446     303.0843     286.5963     269.3623     251.3634
  202       308.0036     291.8747     275.0017     257.3655     238.9466
  203       297.0270     280.5227     263.2573     245.2113     226.3642
  204       285.9132     269.0264     251.3612     232.8975     213.6140
 
  205       274.5123     257.2334     239.1585     220.2668     200.5362
  206       262.9688     245.2905     226.7982     207.4703     187.2840
  207       251.2811     233.1958     214.2782     194.5058     173.8551
  208       239.4472     220.9474     201.5966     181.3712     160.2472
  209       227.4654     208.5434     188.7511     168.0642     146.4578
  210       215.3339     195.9818     175.7396     154.5825     132.4845
  211       203.0507     183.2605     162.5602     140.9239     118.3250
  212       190.6140     170.3775     149.2104     127.0861     103.9766
  213       178.0218     157.3308     135.6883     113.0666      89.4370
  214       165.2722     144.1183     121.9915      98.8631      74.7034
  215       152.3632     130.7379     108.1178      84.4732      59.7735
  216       139.2929     117.1875      94.0648      69.8944      44.6444
 
  217       125.9094     103.3127      79.6759      54.9674      29.1544
  218       112.3587      89.2616      65.1011      39.8444      13.4579
  219        98.6385      75.0320      50.3380      24.5230       0.0000
  220        84.7469      60.6215      35.3843       9.0005
  221        70.6816      46.0279      20.2374       0.0000
  222        56.4405      31.2488       4.8948
  223        42.0214      16.2819       0.0000
  224        27.4221       1.1248
  225        12.6402       0.0000
  226         0.0000
 
                                                                Page 17(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 1.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     16.25        16.50        16.75        17.00        17.25
 
  193       329.4289     313.1989     296.2878     278.6792     260.3563
  194       317.8850     301.2635     283.9441     265.9100     247.1436
  195       306.1847     289.1639     271.4281     252.9599     233.7410
  196       294.3260     276.8979     258.7375     239.8264     220.1457
  197       282.3068     264.4633     245.8696     226.5067     206.3550
  198       270.1247     251.8577     232.8222     212.9984     192.3660
  199       257.7778     239.0788     219.5926     199.2987     178.1759
  200       245.2636     226.1242     206.1784     185.4050     163.7819
  201       232.5799     212.9915     192.5770     171.3144     149.1809
  202       219.7245     199.6782     178.7856     157.0242     134.3701
  203       206.6950     186.1818     164.8018     142.5315     119.3463
  204       193.4891     172.4998     150.6228     127.8335     104.1066
 
  205       179.9442     158.4673     136.0811     112.7602      88.4783
  206       166.2160     144.2419     121.3364      97.4733      72.6253
  207       152.3019     129.8208     106.3859      81.9698      56.5444
  208       138.1993     115.2015      91.2267      66.2467      40.2324
  209       123.9058     100.3812      75.8559      50.3009      23.6858
  210       109.4187      85.3570      60.2706      34.1291       6.9014
  211        94.7354      70.1263      44.4677      17.7283       0.0000
  212        79.8533      54.6862      28.4442       1.0951
  213        64.7697      39.0338      12.1971       0.0000
  214        49.4818      23.1661       0.0000
  215        33.9869       7.0803
  216        18.2821       0.0000
 
  217         2.2031
  218         0.0000
  219
  220
  221
  222
  223
  224
  225
  226
 
                                                                Page 17(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
    1       999.5576     999.5807     999.6026     999.6235     999.6434
    2       999.1115     999.1577     999.2017     999.2437     999.2836
    3       998.6618     998.7312     998.7974     998.8604     998.9205
    4       998.2082     998.3010     998.3894     998.4737     998.5540
    5       997.7509     997.8671     997.9780     998.0836     998.1842
    6       997.2898     997.4296     997.5629     997.6899     997.8110
    7       996.8248     996.9883     997.1442     997.2927     997.4343
    8       996.3560     996.5432     996.7218     996.8920     997.0542
    9       995.8832     996.0943     996.2957     996.4877     996.6707
   10       995.4065     995.6416     995.8659     996.0797     996.2836
   11       994.9259     995.1850     995.4323     995.6681     995.8930
   12       994.4412     994.7246     994.9950     995.2529     995.4987
 
   13       993.7770     994.0809     994.3708     994.6472     994.9104
   14       993.1072     993.4318     993.7412     994.0360     994.3168
   15       992.4319     992.7772     993.1061     993.4194     993.7176
   16       991.7509     992.1169     992.4655     992.7973     993.1130
   17       991.0643     991.4510     991.8192     992.1696     992.5028
   18       990.3719     990.7794     991.1673     991.5363     991.8871
   19       989.6738     990.1021     990.5096     990.8973     991.2657
   20       988.9699     989.4190     989.8463     990.2526     990.6386
   21       988.2600     988.7300     989.1771     989.6021     990.0058
   22       987.5443     988.0352     988.5020     988.9457     989.3671
   23       986.8226     987.3344     987.8211     988.2835     988.7226
   24       986.0949     986.6277     987.1342     987.6154     988.0722
 
   25       985.1821     985.7321     986.2547     986.7508     987.2216
   26       984.2617     984.8288     985.3674     985.8785     986.3631
   27       983.3336     983.9179     984.4725     984.9984     985.4968
   28       982.3978     982.9991     983.5696     984.1104     984.6225
   29       981.4542     982.0725     982.6589     983.2145     983.7403
   30       980.5028     981.1380     981.7402     982.3105     982.8499
   31       979.5434     980.1956     980.8135     981.3984     981.9514
   32       978.5760     979.2450     979.8787     980.4782     981.0447
   33       977.6005     978.2864     978.9357     979.5497     980.1296
   34       976.6169     977.3195     977.9844     978.6129     979.2061
   35       975.6251     976.3444     977.0248     977.6677     978.2742
   36       974.6251     975.3610     976.0569     976.7140     977.3338
 
   37       973.4341     974.1827     974.8901     975.5576     976.1865
   38       972.2332     972.9944     973.7131     974.3908     975.0288
   39       971.0223     971.7959     972.5258     973.2135     973.8604
   40       969.8013     970.5871     971.3281     972.0257     972.6813
   41       968.5701     969.3680     970.1199     970.8272     971.4914
   42       967.3287     968.1386     968.9012     969.6181     970.2907
   43       966.0769     966.8986     967.6718     968.3980     969.0789
   44       964.8147     965.6480     966.4316     967.1671     967.8559
   45       963.5419     964.3868     965.1806     965.9251     966.6218
   46       962.2586     963.1147     963.9187     964.6720     965.3764
   47       960.9645     961.8318     962.6457     963.4077     964.1195
   48       959.6597     960.5380     961.3615     962.1320     962.8512
 
                                                                Page 18(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
    1       999.6624     999.6804     999.6976     999.7139     999.7294
    2       999.3216     999.3578     999.3922     999.4249     999.4560
    3       998.9776     999.0320     999.0838     999.1330     999.1798
    4       998.6304     998.7032     998.7724     998.8382     998.9008
    5       998.2800     998.3712     998.4579     998.5405     998.6189
    6       997.9262     998.0360     998.1404     998.2397     998.3342
    7       997.5692     997.6976     997.8198     997.9360     998.0466
    8       997.2088     997.3559     997.4960     997.6293     997.7560
    9       996.8450     997.0110     997.1690     997.3194     997.4625
   10       996.4778     996.6628     996.8389     997.0065     997.1659
   11       996.1072     996.3112     996.5055     996.6904     996.8664
   12       995.7331     995.9563     996.1689     996.3712     996.5637
 
   13       995.1612     995.3999     995.6270     995.8431     996.0485
   14       994.5840     994.8382     995.0799     995.3097     995.5279
   15       994.0013     994.2711     994.5274     994.7709     995.0020
   16       993.4132     993.6985     993.9695     994.2268     994.4708
   17       992.8196     993.1205     993.4062     993.6772     993.9342
   18       992.2204     992.5369     992.8373     993.1221     993.3920
   19       991.6156     991.9478     992.2628     992.5615     992.8444
   20       991.0052     991.3530     991.6828     991.9952     992.2911
   21       990.3890     990.7525     991.0970     991.4233     991.7322
   22       989.7670     990.1462     990.5055     990.8457     991.1676
   23       989.1392     989.5341     989.9082     990.2623     990.5972
   24       988.5055     988.9162     989.3051     989.6731     990.0210
 
   25       987.6677     988.0903     988.4902     988.8682     989.2252
   26       986.8221     987.2565     987.6672     988.0552     988.4212
   27       985.9686     986.4147     986.8362     987.2340     987.6090
   28       985.1070     985.5649     985.9971     986.4047     986.7885
   29       984.2374     984.7069     985.1498     985.5670     985.9597
   30       983.3596     983.8407     984.2941     984.7210     985.1224
   31       982.4736     982.9662     983.4301     983.8665     984.2765
   32       981.5793     982.0833     982.5576     983.0035     983.4220
   33       980.6766     981.1919     981.6766     982.1319     982.5588
   34       979.7654     980.2920     980.7870     981.2515     981.6868
   35       978.8457     979.3835     979.8886     980.3623     980.8059
   36       977.9174     978.4662     978.9814     979.4643     979.9159
 
   37       976.7783     977.3341     977.8554     978.3432     978.7989
   38       975.6285     976.1912     976.7183     977.2109     977.6704
   39       974.4679     975.0373     975.5700     976.0673     976.5305
   40       973.2964     973.8724     974.4105     974.9123     975.3788
   41       972.1140     972.6963     973.2397     973.7457     974.2155
   42       970.9204     971.5089     972.0574     972.5674     973.0402
   43       969.7157     970.3101     970.8635     971.3774     971.8530
   44       968.4997     969.0999     969.6580     970.1754     970.6536
   45       967.2723     967.8780     968.4406     968.9614     969.4420
   46       966.0334     966.6445     967.2113     967.7353     968.2180
   47       964.7828     965.3991     965.9700     966.4970     966.9816
   48       963.5206     964.1418     964.7165     965.2462     965.7325
 
                                                                Page 18(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
   49       958.1578     959.0429     959.8720     960.6468     961.3691
   50       956.6433     957.5350     958.3695     959.1483     959.8733
   51       955.1162     956.0143     956.8538     957.6364     958.3639
   52       953.5764     954.4805     955.3248     956.1109     956.8407
   53       952.0237     952.9337     953.7825     954.5718     955.3035
   54       950.4582     951.3737     952.2266     953.0189     953.7522
   55       948.8795     949.8003     950.6572     951.4520     952.1866
   56       947.2877     948.2135     949.0740     949.8711     950.6068
   57       945.6827     946.6131     947.4770     948.2761     949.0124
   58       944.0643     944.9991     945.8659     946.6668     947.4034
   59       942.4323     943.3713     944.2408     945.0430     945.7797
   60       940.7868     941.7295     942.6015     943.4047     944.1411
 
   61       938.9376     939.8798     940.7498     941.5497     942.2813
   62       937.0730     938.0143     938.8819     939.6780     940.4045
   63       935.1928     936.1328     936.9977     937.7896     938.5104
   64       933.2970     934.2352     935.0969     935.8842     936.5990
   65       931.3854     932.3215     933.1796     933.9618     934.6701
   66       929.4578     930.3914     931.2454     932.0221     932.7235
   67       927.5142     928.4448     929.2944     930.0651     930.7590
   68       925.5544     926.4816     927.3262     928.0905     928.7765
   69       923.5783     924.5016     925.3409     926.0983     926.7759
   70       921.5856     922.5047     923.3382     924.0882     924.7569
   71       919.5764     920.4907     921.3179     922.0601     922.7195
   72       917.5505     918.4596     919.2800     920.0138     920.6633
 
   73       915.3138     916.2132     917.0222     917.7431     918.3780
   74       913.0586     913.9476     914.7447     915.4521     916.0718
   75       910.7845     911.6627     912.4473     913.1405     913.7444
   76       908.4915     909.3583     910.1298     910.8082     911.3957
   77       906.1794     907.0341     907.7919     908.4550     909.0254
   78       903.8480     904.6902     905.4337     906.0807     906.6334
   79       901.4972     902.3262     903.0548     903.6852     904.2195
   80       899.1268     899.9420     900.6550     901.2681     901.7835
   81       896.7366     897.5374     898.2343     898.8295     899.3251
   82       894.3265     895.1123     895.7924     896.3690     896.8443
   83       891.8964     892.6665     893.3292     893.8864     894.3406
   84       889.4460     890.1998     890.8443     891.3817     891.8140
 
   85       886.7775     887.5102     888.1317     888.6442     889.0498
   86       884.0868     884.7977     885.3954     885.8822     886.2602
   87       881.3736     882.0619     882.6351     883.0955     883.4451
   88       878.6378     879.3028     879.8507     880.2838     880.6041
   89       875.8793     876.5201     877.0419     877.4469     877.7371
   90       873.0977     873.7137     874.2086     874.5846     874.8438
   91       870.2930     870.8833     871.3504     871.6966     871.9240
   92       867.4649     868.0287     868.4673     868.7828     868.9775
   93       864.6133     865.1497     865.5589     865.8429     866.0039
   94       861.7378     862.2462     862.6250     862.8766     863.0031
   95       858.8384     859.3178     859.6655     859.8838     859.9747
   96       855.9149     856.3644     856.6801     856.8641     856.9186
 
                                                                Page 19(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
   49       962.0403     962.6623     963.2365     963.7647     964.2482
   50       960.5462     961.1685     961.7420     962.2683     962.7488
   51       959.0381     959.6605     960.2329     960.7569     961.2341
   52       957.5158     958.1380     958.7090     959.2305     959.7040
   53       955.9793     956.6009     957.1702     957.6887     958.1582
   54       954.4283     955.0491     955.6163     956.1316     956.5966
   55       952.8629     953.4825     954.0472     954.5589     955.0191
   56       951.2827     951.9008     952.4628     952.9704     953.4255
   57       949.6877     950.3039     950.8628     951.3661     951.8156
   58       948.0778     948.6918     949.2471     949.7457     950.1893
   59       946.4528     947.0642     947.6157     948.1091     948.5464
   60       944.8125     945.4210     945.9682     946.4562     946.8867
 
   61       942.9466     943.5476     944.0861     944.5640     944.9832
   62       941.0633     941.6563     942.1856     942.6530     943.0603
   63       939.1622     939.7469     940.2665     940.7228     941.1177
   64       937.2434     937.8192     938.3286     938.7733     939.1553
   65       935.3065     935.8730     936.3717     936.8043     937.1729
   66       933.3515     933.9082     934.3956     934.8156     935.1703
   67       931.3781     931.9245     932.4002     932.8071     933.1472
   68       929.3863     929.9219     930.3852     930.7784     931.1034
   69       927.3758     927.9000     928.3506     928.7295     929.0388
   70       925.3464     925.8588     926.2960     926.6601     926.9531
   71       923.2980     923.7979     924.2212     924.5700     924.8461
   72       921.2304     921.7174     922.1262     922.4590     922.7177
 
   73       918.9290     919.3982     919.7878     920.0997     920.3361
   74       916.6060     917.0568     917.4264     917.7169     917.9301
   75       914.2612     914.6930     915.0420     915.3102     915.4997
   76       911.8944     912.3065     912.6342     912.8794     913.0444
   77       909.5054     909.8972     910.2028     910.4244     910.5640
   78       907.0941     907.4647     907.7476     907.9448     908.0583
   79       904.6601     905.0090     905.2684     905.4404     905.5271
   80       902.2033     902.5297     902.7649     902.9109     902.9700
   81       899.7235     900.0266     900.2368     900.3562     900.3868
   82       897.2204     897.4996     897.6841     897.7759     897.7772
   83       894.6939     894.9484     895.1063     895.1698     895.1410
   84       892.1436     892.3727     892.5033     892.5377     892.4779
 
   85       889.3507     889.5492     889.6474     889.6475     889.5516
   86       886.5317     886.6987     886.7636     886.7285     886.5954
   87       883.6862     883.8209     883.8516     883.7802     883.6090
   88       880.8140     880.9155     880.9110     880.8025     880.5921
   89       877.9149     877.9823     877.9416     877.7950     877.5445
   90       874.9886     875.0210     874.9432     874.7574     874.4657
   91       872.0349     872.0313     871.9154     871.6895     871.3555
   92       869.0534     869.0129     868.8580     868.5908     868.2136
   93       866.0441     865.9656     865.7706     865.4612     865.0395
   94       863.0065     862.8891     862.6530     862.3003     861.8331
   95       859.9404     859.7831     859.5049     859.1078     858.5940
   96       856.8456     856.6474     856.3259     855.8833     855.3217
 
                                                                Page 19(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
   97       852.7654     853.1799     853.4584     853.6030     853.6157
   98       849.5896     849.9683     850.2086     850.3126     850.2825
   99       846.3873     846.7291     846.9303     846.9928     846.9188
  100       843.1584     843.4624     843.6233     843.6432     843.5242
  101       839.9026     840.1677     840.2874     840.2636     840.0986
  102       836.6196     836.8449     836.9222     836.8538     836.6415
  103       833.3093     833.4937     833.5277     833.4134     833.1527
  104       829.9714     830.1138     830.1034     829.9421     829.6320
  105       826.6057     826.7051     826.6492     826.4398     826.0789
  106       823.2119     823.2673     823.1647     822.9061     822.4933
  107       819.7899     819.8001     819.6498     819.3408     818.8749
  108       816.3393     816.3033     816.1041     815.7435     815.2232
 
  109       812.6543     812.5667     812.3130     811.8952     811.3150
  110       808.9387     808.7981     808.4888     808.0125     807.3709
  111       805.1920     804.9974     804.6311     804.0949     803.3906
  112       801.4142     801.1641     800.7396     800.1423     799.3739
  113       797.6048     797.2982     796.8141     796.1543     795.3203
  114       793.7637     793.3992     792.8543     792.1306     791.2296
  115       789.8907     789.4669     788.8598     788.0708     787.1014
  116       785.9853     785.5010     784.8303     783.9746     782.9354
  117       782.0474     781.5013     780.7656     779.8417     778.7311
  118       778.0766     777.4674     776.6653     775.6718     774.4884
  119       774.0728     773.3990     772.5292     771.4646     770.2067
  120       770.0356     769.2959     768.3568     767.2197     765.8858
 
  121       765.7550     764.9435     763.9293     762.7136     761.2976
  122       761.4388     760.5540     759.4631     758.1672     756.6674
  123       757.0866     756.1269     754.9577     753.5800     751.9948
  124       752.6981     751.6621     750.4130     748.9517     747.2793
  125       748.2730     747.1591     745.8285     744.2820     742.5206
  126       743.8111     742.6177     741.2039     739.5704     737.7182
  127       739.3119     738.0375     736.5388     734.8167     732.8719
  128       734.7753     733.4181     731.8329     730.0203     727.9811
  129       730.2009     728.7593     727.0858     725.1810     723.0455
  130       725.5884     724.0607     722.2972     720.2983     718.0646
  131       720.9374     719.3220     717.4667     715.3719     713.0381
  132       716.2476     714.5427     712.5939     710.4014     707.9656
 
  133       711.3049     709.5042     707.4554     705.1587     702.6143
  134       706.3209     704.4227     702.2720     699.8691     697.2140
  135       701.2954     699.2977     697.0433     694.5321     691.7642
  136       696.2281     694.1290     691.7688     689.1473     686.2644
  137       691.1185     688.9161     686.4481     683.7142     680.7142
  138       685.9663     683.6587     681.0809     678.2325     675.1131
  139       680.7712     678.3564     675.6667     672.7016     669.4607
  140       675.5328     673.0088     670.2052     667.1213     663.7565
  141       670.2507     667.6155     664.6958     661.4909     658.0000
  142       664.9246     662.1762     659.1383     655.8101     652.1907
  143       659.5542     656.6904     653.5321     650.0784     646.3282
  144       654.1389     651.1577     647.8769     644.2953     640.4119
 
                                                                Page 20(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
   97       853.4987     853.2541     852.8839     852.3903     851.7754
   98       850.1204     849.8282     849.4082     848.8624     848.1928
   99       846.7104     846.3696     845.8985     845.2992     844.5737
  100       843.2684     842.8778     842.3544     841.7003     840.9176
  101       839.7942     839.3525     838.7756     838.0655     837.2242
  102       836.2874     835.7935     835.1618     834.3943     833.4931
  103       832.7477     832.2003     831.5126     830.6864     829.7239
  104       829.1748     828.5727     827.8276     826.9415     825.9162
  105       825.5685     824.9104     824.1066     823.1590     822.0696
  106       821.9283     821.2129     820.3491     819.3388     818.1838
  107       818.2540     817.4800     816.5549     815.4804     814.2583
  108       814.5453     813.7114     812.7235     811.5833     810.2928
 
  109       810.5741     809.6745     808.6180     807.4063     806.0412
  110       806.5658     805.5990     804.4723     803.1875     801.7462
  111       802.5199     801.4845     800.2861     798.9265     797.4073
  112       798.4360     797.3304     796.0588     794.6229     793.0242
  113       794.3139     793.1366     791.7902     790.2762     788.5963
  114       790.1531     788.9026     787.4798     785.8861     784.1233
  115       785.9533     784.6280     783.1271     781.4521     779.6045
  116       781.7142     780.3125     778.7319     776.9737     775.0396
  117       777.4353     775.9556     774.2936     772.4506     770.4282
  118       773.1163     771.5569     769.8118     767.8822     765.7696
  119       768.7567     767.1161     765.2862     763.2682     761.0635
  120       764.3564     762.6327     760.7162     758.6080     756.3094
 
  121       759.6826     757.8697     755.8602     753.6554     751.2562
  122       754.9650     753.0610     750.9567     748.6532     746.1515
  123       750.2032     748.2063     746.0052     743.6010     740.9947
  124       745.3967     743.3050     741.0052     738.4983     735.7852
  125       740.5452     738.3567     735.9562     733.3445     730.5226
  126       735.6482     733.3611     730.8578     728.1392     725.2062
  127       730.7052     728.3175     725.7095     722.8819     719.8355
  128       725.7160     723.2256     720.5107     717.5720     714.4100
  129       720.6799     718.0849     715.2611     712.2090     708.9292
  130       715.5967     712.8950     709.9600     706.7923     703.3924
  131       710.4658     707.6553     704.6071     701.3215     697.7990
  132       705.2868     702.3654     699.2017     695.7960     692.1486
 
  133       699.8224     696.7834     693.4973     689.9645     686.1850
  134       694.3069     691.1478     687.7371     684.0746     680.1605
  135       688.7396     685.4583     681.9204     678.1258     674.0746
  136       683.1201     679.7143     676.0468     672.1176     667.9265
  137       677.4479     673.9152     670.1157     666.0493     661.7156
  138       671.7226     668.0605     664.1265     659.9203     655.4413
  139       665.9436     662.1497     658.0787     653.7299     649.1030
  140       660.1104     656.1823     651.9716     647.4777     642.7000
  141       654.2225     650.1576     645.8047     641.1630     636.2316
  142       648.2794     644.0753     639.5775     634.7851     629.6972
  143       642.2806     637.9347     633.2893     628.3435     623.0961
  144       636.2256     631.7352     626.9395     621.8374     616.4276
 
                                                                Page 20(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
  145       648.4604     645.3550     641.9447     638.2283     634.2046
  146       642.7345     639.5027     635.9606     632.1070     627.9404
  147       636.9609     633.6003     629.9242     625.9308     621.6187
  148       631.1392     627.6476     623.8349     619.6993     615.2391
  149       625.2689     621.6440     617.6924     613.4120     608.8011
  150       619.3498     615.5892     611.4961     607.0683     602.3040
  151       613.3813     609.4826     605.2455     600.6679     595.7473
  152       607.3631     603.3239     598.9403     594.2100     589.1306
  153       601.2947     597.1125     592.5800     587.6944     582.4532
  154       595.1757     590.8481     586.1639     581.1203     575.7146
  155       589.0058     584.5302     579.6917     574.4874     568.9142
  156       582.7845     578.1584     573.1629     567.7950     562.0515
 
  157       576.2887     571.5048     566.3450     560.8060     554.8843
  158       569.7388     564.7944     559.4674     553.7543     547.6514
  159       563.1343     558.0266     552.5296     546.6394     540.3523
  160       556.4747     551.2011     545.5311     539.4608     532.9862
  161       549.7597     544.3172     538.4714     532.2179     525.5526
  162       542.9887     537.3746     531.3499     524.9101     518.0508
  163       536.1613     530.3726     524.1661     517.5369     510.4803
  164       529.2770     523.3109     516.9194     510.0976     502.8404
  165       522.3353     516.1888     509.6093     502.5916     495.1304
  166       515.3358     509.0059     502.2352     495.0184     487.3498
  167       508.2779     501.7616     494.7967     487.3774     479.4978
  168       501.1612     494.4555     487.2930     479.6679     471.5739
 
  169       493.7582     486.8551     479.4870     471.6478     463.3310
  170       486.2935     479.1897     471.6128     463.5559     455.0125
  171       478.7665     471.4590     463.6696     455.3915     446.6177
  172       471.1769     463.6621     455.6569     447.1540     438.1460
  173       463.5240     455.7987     447.5741     438.8426     429.5966
  174       455.8073     447.8681     439.4206     430.4568     420.9689
  175       448.0264     439.8698     431.1957     421.9959     412.2621
  176       440.1805     431.8032     422.8989     413.4592     403.4754
  177       432.2693     423.6676     414.5295     404.8460     394.6083
  178       424.2922     415.4626     406.0868     396.1557     385.6598
  179       416.2486     407.1875     397.5703     387.3875     376.6293
  180       408.1380     398.8416     388.9792     378.5408     367.5160
 
  181       399.7282     390.1881     380.0716     369.3684     358.0679
  182       391.2483     381.4606     371.0861     360.1139     348.5332
  183       382.6977     372.6586     362.0219     350.7765     338.9111
  184       374.0759     363.7813     352.8784     341.3555     329.2007
  185       365.3823     354.8283     343.6549     331.8500     319.4014
  186       356.6162     345.7988     334.3507     322.2594     309.5122
  187       347.7770     336.6921     324.9651     312.5829     299.5324
  188       338.8642     327.5077     315.4973     302.8197     289.4611
  189       329.8771     318.2448     305.9467     292.9690     279.2975
  190       320.8151     308.9028     296.3126     283.0301     269.0407
  191       311.6776     299.4810     286.5941     273.0021     258.6898
  192       302.4640     289.9787     276.7906     262.8843     248.2442
 
                                                                Page 21(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
  145       629.8723     625.2300     620.2765     615.0105     609.4304
  146       623.4594     618.6625     613.5483     608.1153     602.3619
  147       616.9864     612.0321     606.7542     601.1512     595.2211
  148       610.4527     605.3381     599.8936     594.1174     588.0075
  149       603.8577     598.5799     592.9658     587.0133     580.7202
  150       597.2009     591.7570     585.9702     579.8381     573.3585
  151       590.4817     584.8688     578.9060     572.5912     565.9217
  152       583.6996     577.9145     571.7727     565.2718     558.4089
  153       576.8538     570.8935     564.5696     557.8792     550.8195
  154       569.9439     563.8053     557.2959     550.4127     543.1526
  155       562.9692     556.6491     549.9510     542.8716     535.4074
  156       555.9290     549.4244     542.5342     535.2550     527.5832
 
  157       548.5766     541.8792     534.7887     527.3013     519.4133
  158       541.1552     534.2618     526.9674     519.2681     511.1599
  159       533.6642     526.5713     519.0695     511.1546     502.8224
  160       526.1030     518.8071     511.0943     502.9600     494.3997
  161       518.4709     510.9686     503.0409     494.6834     485.8910
  162       510.7673     503.0549     494.9088     486.3240     477.2955
  163       502.9914     495.0653     486.6970     477.8810     468.6122
  164       495.1427     486.9992     478.4047     469.3536     459.8403
  165       487.2203     478.8558     470.0313     460.7410     450.9789
  166       479.2237     470.6344     461.5759     452.0422     442.0270
  167       471.1521     462.3342     453.0377     443.2564     432.9837
  168       463.0049     453.9544     444.4159     434.3828     423.8481
 
  169       454.5300     445.2381     435.4486     425.1543     414.3481
  170       445.9756     436.4383     426.3934     415.8335     404.7511
  171       437.3410     427.5541     417.2495     406.4195     395.0562
  172       428.6255     418.5849     408.0162     396.9114     385.2623
  173       419.8283     409.5296     398.6924     387.3082     375.3684
  174       410.9486     400.3876     389.2773     377.6089     365.3735
  175       401.9856     391.1579     379.7700     367.8127     355.2766
  176       392.9387     381.8399     370.1696     357.9185     345.0766
  177       383.8069     372.4325     360.4753     347.9253     334.7725
  178       374.5895     362.9349     350.6860     337.8323     324.3632
  179       365.2857     353.3464     340.8008     327.6383     313.8476
  180       355.8947     343.6659     330.8189     317.3423     303.2247
 
  181       346.1593     333.6314     320.4728     306.6720     292.2168
  182       336.3326     323.5006     310.0255     295.8949     281.0965
  183       326.4138     313.2728     299.4758     285.0101     269.8628
  184       316.4021     302.9470     288.8229     274.0164     258.5143
  185       306.2964     292.5222     278.0656     262.9128     247.0500
  186       296.0961     281.9976     267.2030     251.6982     235.4687
  187       285.8001     271.3720     256.2340     240.3714     223.7691
  188       275.4075     260.6447     245.1577     228.9313     211.9501
  189       264.9176     249.8145     233.9728     217.3769     200.0105
  190       254.3293     238.8805     222.6785     205.7069     187.9489
  191       243.6417     227.8418     211.2736     193.9202     175.7643
  192       232.8540     216.6972     199.7569     182.0156     163.4552
 
                                                                Page 21(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
  193       292.9373     280.1541     266.6551     252.4246     237.4464
  194       283.3313     270.2455     256.4310     241.8713     226.5496
  195       273.6452     260.2523     246.1173     231.2233     215.5529
  196       263.8784     250.1738     235.7134     220.4800     204.4555
  197       254.0302     240.0091     225.2185     209.6404     193.2563
  198       244.1000     229.7576     214.6318     198.7038     181.9545
  199       234.0869     219.4186     203.9524     187.6691     170.5490
  200       223.9905     208.9912     193.1796     176.5356     159.0390
  201       213.8099     198.4748     182.3125     165.3024     147.4235
  202       203.5445     187.8685     171.3503     153.9685     135.7015
  203       193.1935     177.1717     160.2922     142.5331     123.8721
  204       182.7563     166.3835     149.1374     130.9953     111.9342
 
  205       171.9911     155.2571     137.6337     119.0978      99.6255
  206       161.1363     144.0357     126.0295     107.0937      87.2039
  207       150.1909     132.7184     114.3237      94.9821      74.6684
  208       139.1544     121.3045     102.5155      82.7620      62.0181
  209       128.0259     109.7931      90.6039      70.4324      49.2517
  210       116.8047      98.1833      78.5881      57.9924      36.3684
  211       105.4899      86.4744      66.4672      45.4409      23.3669
  212        94.0809      74.6654      54.2403      32.7770      10.2463
  213        82.5768      62.7556      41.9063      19.9996       0.0000
  214        70.9768      50.7441      29.4644       7.1078
  215        59.2801      38.6299      16.9137       0.0000
  216        47.4860      26.4123       4.2531
 
  217        35.3479      13.8394       0.0000
  218        23.1085       1.1590
  219        10.7672       0.0000
  220         0.0000
 
                                                                Page 22(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
  193       221.7036     205.1793     187.8559     169.7151     150.7384
  194       210.4488     193.5511     175.8383     157.2916     137.8919
  195       199.0884     181.8113     163.7030     144.7439     124.9141
  196       187.6215     169.9591     151.4489     132.0707     111.8039
  197       176.0471     157.9933     139.0748     119.2707      98.5599
  198       164.3642     145.9128     126.5795     106.3428      85.1806
  199       152.5718     133.7166     113.9619      93.2856      71.6648
  200       140.6688     121.4035     101.2207      80.0978      58.0110
  201       128.6543     108.9723      88.3548      66.7781      44.2179
  202       116.5271      96.4221      75.3629      53.3253      30.2839
  203       104.2862      83.7515      62.2438      39.7379      16.2076
  204        91.9305      70.9596      48.9963      26.0146       1.9877
 
  205        79.1923      57.7731      35.3419      11.8717       0.0000
  206        66.3348      44.4603      21.5537       0.0000
  207        53.3567      31.0199       7.6306
  208        40.2569      17.4507       0.0000
  209        27.0343       3.7515
  210        13.6877       0.0000
  211         0.2160
  212         0.0000
  213
  214
  215
  216
 
  217
  218
  219
  220
 
                                                                Page 22(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
    1       999.7441     999.7581     999.7713     999.7839     999.7959
    2       999.4855     999.5136     999.5402     999.5655     999.5895
    3       999.2242     999.2665     999.3066     999.3446     999.3807
    4       998.9603     999.0167     999.0704     999.1213     999.1696
    5       998.6935     998.7644     998.8316     998.8955     998.9562
    6       998.4240     998.5093     998.5903     998.6673     998.7403
    7       998.1517     998.2515     998.3464     998.4365     998.5220
    8       997.8765     997.9910     998.0998     998.2032     998.3013
    9       997.5985     997.7277     997.8506     997.9672     998.0780
   10       997.3175     997.4617     997.5986     997.7287     997.8523
   11       997.0337     997.1928     997.3439     997.4876     997.6240
   12       996.7469     996.9210     997.0865     997.2438     997.3931
 
   13       996.2436     996.4290     996.6050     996.7721     996.9306
   14       995.7351     995.9318     996.1184     996.2953     996.4629
   15       995.2213     995.4293     995.6264     995.8131     995.9899
   16       994.7022     994.9215     995.1291     995.3257     995.5116
   17       994.1777     994.4082     994.6265     994.8328     995.0279
   18       993.6476     993.8896     994.1183     994.3346     994.5387
   19       993.1121     993.3654     993.6047     993.8308     994.0441
   20       992.5710     992.8356     993.0855     993.3214     993.5439
   21       992.0243     992.3002     992.5607     992.8065     993.0380
   22       991.4718     991.7591     992.0302     992.2858     992.5265
   23       990.9136     991.2123     991.4940     991.7594     992.0092
   24       990.3496     990.6597     990.9520     991.2272     991.4861
 
   25       989.5620     989.8795     990.1784     990.4595     990.7235
   26       988.7662     989.0910     989.3964     989.6832     989.9523
   27       987.9621     988.2941     988.6060     988.8984     989.1723
   28       987.1496     987.4888     987.8070     988.1050     988.3837
   29       986.3287     986.6749     986.9993     987.3028     987.5861
   30       985.4992     985.8524     986.1829     986.4917     986.7796
   31       984.6610     985.0211     985.3576     985.6716     985.9640
   32       983.8142     984.1810     984.5234     984.8426     985.1392
   33       982.9585     983.3319     983.6802     984.0043     984.3052
   34       982.0939     982.4739     982.8279     983.1568     983.4617
   35       981.2203     981.6067     981.9663     982.2999     982.6088
   36       980.3376     980.7303     981.0953     981.4336     981.7463
 
   37       979.2236     979.6185     979.9848     980.3235     980.6357
   38       978.0980     978.4949     978.8622     979.2011     979.5127
   39       976.9607     977.3593     977.7275     978.0663     978.3770
   40       975.8116     976.2117     976.5804     976.9190     977.2285
   41       974.6504     975.0519     975.4210     975.7590     976.0671
   42       973.4772     973.8797     974.2490     974.5862     974.8927
   43       972.2918     972.6951     973.0642     973.4005     973.7050
   44       971.0940     971.4979     971.8667     972.2016     972.5040
   45       969.8837     970.2880     970.6562     970.9896     971.2895
   46       968.6609     969.0652     969.4325     969.7641     970.0613
   47       967.4253     967.8295     968.1957     968.5251     968.8193
   48       966.1768     966.5806     966.9454     967.2725     967.5633
 
                                                                Page 23(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
    1       999.8072     999.8179     999.8281     999.8378     999.8469
    2       999.6122     999.6338     999.6542     999.6736     999.6919
    3       999.4150     999.4475     999.4782     999.5074     999.5351
    4       999.2155     999.2590     999.3002     999.3392     999.3763
    5       999.0137     999.0683     999.1200     999.1690     999.2155
    6       998.8096     998.8753     998.9377     998.9968     999.0528
    7       998.6032     998.6802     998.7532     998.8224     998.8880
    8       998.3944     998.4827     998.5665     998.6460     998.7213
    9       998.1832     998.2830     998.3776     998.4674     998.5525
   10       997.9696     998.0809     998.1865     998.2866     998.3816
   11       997.7535     997.8764     997.9931     998.1037     998.2086
   12       997.5350     997.6696     997.7974     997.9186     998.0335
 
   13       997.0809     997.2234     997.3584     997.4863     997.6073
   14       996.6217     996.7720     996.9142     997.0488     997.1759
   15       996.1571     996.3153     996.4648     996.6060     996.7392
   16       995.6873     995.8533     996.0100     996.1578     996.2972
   17       995.2121     995.3859     995.5498     995.7042     995.8497
   18       994.7314     994.9130     995.0841     995.2452     995.3967
   19       994.2452     994.4346     994.6130     994.7806     994.9381
   20       993.7534     993.9507     994.1362     994.3104     994.4739
   21       993.2561     993.4611     993.6537     993.8345     994.0040
   22       992.7530     992.9658     993.1656     993.3529     993.5283
   23       992.2441     992.4647     992.6716     992.8654     993.0468
   24       991.7294     991.9578     992.1718     992.3721     992.5593
 
   25       990.9712     991.2032     991.4202     991.6230     991.8120
   26       990.2042     990.4398     990.6598     990.8648     991.0555
   27       989.4285     989.6675     989.8903     990.0975     990.2897
   28       988.6438     988.8863     989.1117     989.3209     989.5145
   29       987.8502     988.0959     988.3238     988.5349     988.7297
   30       987.0475     987.2962     987.5266     987.7394     987.9353
   31       986.2356     986.4873     986.7199     986.9343     987.1312
   32       985.4144     985.6689     985.9037     986.1195     986.3172
   33       984.5838     984.8410     985.0777     985.2948     985.4931
   34       983.7436     984.0034     984.2419     984.4602     984.6589
   35       982.8938     983.1560     983.3962     983.6155     983.8145
   36       982.0343     982.2988     982.5405     982.7605     982.9597
 
   37       980.9225     981.1850     981.4239     981.6405     981.8354
   38       979.7980     980.0582     980.2941     980.5069     980.6974
   39       978.6606     978.9182     979.1509     979.3596     979.5453
   40       977.5102     977.7650     977.9941     978.1984     978.3791
   41       976.3465     976.5983     976.8235     977.0232     977.1985
   42       975.1696     975.4180     975.6390     975.8338     976.0034
   43       973.9791     974.2239     974.4405     974.6301     974.7936
   44       972.7750     973.0159     973.2278     973.4118     973.5690
   45       971.5571     971.7938     972.0006     972.1787     972.3293
   46       970.3253     970.5574     970.7589     970.9308     971.0744
   47       969.0793     969.3066     969.5024     969.6678     969.8040
   48       967.8191     968.0413     968.2310     968.3896     968.5181
 
                                                                Page 23(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
   49       964.6888     965.0878     965.4467     965.7670     966.0500
   50       963.1853     963.5791     963.9319     964.2450     964.5198
   51       961.6661     962.0545     962.4006     962.7061     962.9723
   52       960.1311     960.5136     960.8528     961.1502     961.4075
   53       958.5802     958.9563     959.2882     959.5772     959.8250
   54       957.0130     957.3825     957.7066     957.9868     958.2247
   55       955.4296     955.7920     956.1079     956.3788     956.6064
   56       953.8296     954.1845     954.4919     954.7531     954.9699
   57       952.2130     952.5600     952.8583     953.1095     953.3150
   58       950.5796     950.9183     951.2071     951.4476     951.6415
   59       948.9291     949.2591     949.5380     949.7675     949.9492
   60       947.2614     947.5822     947.8508     948.0688     948.2378
 
   61       945.3453     945.6523     945.9058     946.1076     946.2592
   62       943.4093     943.7019     943.9398     944.1247     944.2583
   63       941.4531     941.7308     941.9525     942.1200     942.2350
   64       939.4765     939.7387     939.9436     940.0931     940.1888
   65       937.4793     937.7254     937.9130     938.0439     938.1197
   66       935.4614     935.6908     935.8604     935.9720     936.0273
   67       933.4224     933.6345     933.7856     933.8772     933.9113
   68       931.3621     931.5564     931.6882     931.7593     931.7715
   69       929.2804     929.4563     929.5682     929.6181     929.6077
   70       927.1770     927.3338     927.4252     927.4531     927.4195
   71       925.0517     925.1887     925.2589     925.2643     925.2067
   72       922.9043     923.0209     923.0692     923.0513     922.9690
 
   73       920.4988     920.5900     920.6116     920.5653     920.4532
   74       918.0683     918.1334     918.1272     918.0518     917.9091
   75       915.6125     915.6506     915.6160     915.5106     915.3363
   76       913.1310     913.1415     913.0776     912.9414     912.7347
   77       910.6238     910.6057     910.5117     910.3437     910.1037
   78       908.0904     908.0429     907.9179     907.7174     907.4432
   79       905.5306     905.4529     905.2961     905.0621     904.7527
   80       902.9442     902.8354     902.6459     902.3774     902.0320
   81       900.3308     900.1901     899.9669     899.6631     899.2807
   82       897.6902     897.5167     897.2590     896.9189     896.4984
   83       895.0220     894.8149     894.5217     894.1443     893.6848
   84       892.3261     892.0844     891.7547     891.3391     890.8395
 
   85       889.3618     889.0801     888.7086     888.2494     887.7043
   86       886.3665     886.0439     885.6296     885.1255     884.5338
   87       883.3401     882.9754     882.5171     881.9672     881.3276
   88       880.2821     879.8743     879.3710     878.7740     878.0853
   89       877.1922     876.7403     876.1907     875.5455     874.8066
   90       874.0702     873.5730     872.9761     872.2814     871.4910
   91       870.9157     870.3720     869.7265     868.9812     868.1381
   92       867.7283     867.1370     866.4418     865.6446     864.7475
   93       864.5077     863.8677     863.1215     862.2712     861.3187
   94       861.2535     860.5636     859.7652     858.8605     857.8513
   95       857.9655     857.2244     856.3726     855.4122     854.3450
   96       854.6432     853.8497     852.9432     851.9258     850.7992
 
                                                                Page 24(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
   49       966.2971     966.5096     966.6888     966.8359     966.9522
   50       964.7577     964.9602     965.1283     965.2636     965.3670
   51       963.2007     963.3926     963.5493     963.6722     963.7624
   52       961.6258     961.8067     961.9515     962.0616     962.1380
   53       960.0329     960.2024     960.3348     960.4315     960.4937
   54       958.4217     958.5793     958.6989     958.7817     958.8292
   55       956.7921     956.9373     957.0435     957.1120     957.1442
   56       955.1438     955.2761     955.3685     955.4221     955.4385
   57       953.4766     953.5956     953.6735     953.7118     953.7118
   58       951.7903     951.8955     951.9585     951.9808     951.9639
   59       950.0847     950.1755     950.2231     950.2289     950.1945
   60       948.3595     948.4354     948.4671     948.4559     948.4034
 
   61       946.3623     946.4185     946.4294     946.3963     946.3208
   62       944.3423     944.3782     944.3675     944.3119     944.2127
   63       942.2991     942.3140     942.2812     942.2022     942.0786
   64       940.2325     940.2257     940.1700     940.0671     939.9183
   65       938.1422     938.1130     938.0338     937.9061     937.7314
   66       936.0280     935.9758     935.8723     935.7191     935.5177
   67       933.8895     933.8135     933.6850     933.5056     933.2767
   68       931.7265     931.6261     931.4718     931.2653     931.0083
   69       929.5388     929.4131     929.2323     928.9981     928.7119
   70       927.3260     927.1743     926.9662     926.7034     926.3873
   71       925.0878     924.9094     924.6732     924.3809     924.0341
   72       922.8240     922.6181     922.3530     922.0305     921.6520
 
   73       920.2769     920.0384     919.7392     919.3812     918.9658
   74       917.7007     917.4286     917.0944     916.6999     916.2466
   75       915.0950     914.7883     914.4182     913.9862     913.4940
   76       912.4594     912.1173     911.7101     911.2397     910.7076
   77       909.7936     909.4151     908.9700     908.4600     907.8869
   78       907.0972     906.6813     906.1973     905.6467     905.0315
   79       904.3700     903.9157     903.3916     902.7995     902.1410
   80       901.6115     901.1178     900.5527     899.9178     899.2150
   81       898.8214     898.2873     897.6800     897.0013     896.2530
   82       895.9994     895.4237     894.7732     894.0496     893.2547
   83       893.1450     892.5267     891.8319     891.0622     890.2194
   84       890.2578     889.5960     888.8557     888.0387     887.1469
 
   85       887.0752     886.3641     885.5728     884.7029     883.7563
   86       883.8562     883.0946     882.2509     881.3268     880.3240
   87       880.6002     879.7869     878.8895     877.9098     876.8496
   88       877.3069     876.4406     875.4883     874.4516     873.3324
   89       873.9759     873.0553     872.0466     870.9516     869.7720
   90       870.6068     869.6305     868.5641     867.4093     866.1678
   91       867.1990     866.1658     865.0402     863.8242     862.5193
   92       863.7521     862.6606     861.4745     860.1958     858.8260
   93       860.2658     859.1145     857.8665     856.5235     855.0873
   94       856.7396     855.5270     854.2156     852.8069     851.3027
   95       853.1729     851.8977     850.5213     849.0453     847.4715
   96       849.5653     848.2261     846.7832     845.2383     843.5932
 
                                                                Page 24(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
   97       851.0411     850.1895     849.2226     848.1422     846.9503
   98       847.4015     846.4904     845.4616     844.3169     843.0582
   99       843.7240     842.7520     841.6599     840.4493     839.1223
  100       840.0081     838.9739     837.8169     836.5390     835.1421
  101       836.2536     835.1557     833.9324     832.5856     831.1171
  102       832.4599     831.2969     830.0058     828.5885     827.0468
  103       828.6268     827.3971     826.0366     824.5473     822.9308
  104       824.7537     823.4558     822.0245     820.4614     818.7684
  105       820.8402     819.4727     817.9688     816.3304     814.5592
  106       816.8860     815.4473     813.8693     812.1539     810.3027
  107       812.8906     811.3790     809.7253     807.9312     805.9983
  108       808.8536     807.2676     805.5364     803.6618     801.6454
 
  109       804.5245     802.8578     801.0430     799.0816     796.9752
  110       800.1502     798.4012     796.5008     794.4507     792.2524
  111       795.7304     793.8972     791.9095     789.7687     787.4765
  112       791.2645     789.3454     787.2684     785.0351     782.6469
  113       786.7521     784.7452     782.5770     780.2491     777.7629
  114       782.1928     780.0961     777.8348     775.4103     772.8240
  115       777.5859     775.3976     773.0413     770.5181     767.8296
  116       772.9310     770.6493     768.1958     765.5719     762.7789
  117       768.2277     765.8504     763.2978     760.5711     757.6714
  118       763.4753     761.0006     758.3467     755.5150     752.5065
  119       758.6735     756.0992     753.3421     750.4031     747.2835
  120       753.8216     751.1458     748.2831     745.2348     742.0017
 
  121       748.6641     745.8800     742.9050     739.7403     736.3867
  122       743.4529     740.5582     737.4687     734.1851     730.7085
  123       738.1873     735.1799     731.9734     728.5686     724.9665
  124       732.8670     729.7445     726.4186     722.8901     719.1599
  125       727.4912     724.2513     720.8036     717.1489     713.2879
  126       722.0594     718.6997     715.1278     711.3443     707.3499
  127       716.5711     713.0892     709.3905     705.4756     701.3451
  128       711.0255     707.4190     703.5911     699.5422     695.2727
  129       705.4222     701.6886     697.7288     693.5431     689.1320
  130       699.7606     695.8973     691.8030     687.4779     682.9222
  131       694.0399     690.0445     685.8131     681.3457     676.6426
  132       688.2597     684.1295     679.7582     675.1458     670.2923
 
  133       682.1591     677.8867     673.3680     668.6029     663.5913
  134       675.9949     671.5776     666.9086     661.9878     656.8150
  135       669.7665     665.2015     660.3793     655.2997     649.9624
  136       663.4732     658.7576     653.7792     648.5377     643.0327
  137       657.1144     652.2452     647.1076     641.7011     636.0250
  138       650.6893     645.6636     640.3637     634.7890     628.9386
  139       644.1973     639.0121     633.5468     627.8005     621.7724
  140       637.6377     632.2900     626.6560     620.7349     614.5255
  141       631.0097     625.4964     619.6906     613.5913     607.1972
  142       624.3128     618.6306     612.6497     606.3687     599.7864
  143       617.5460     611.6919     605.5326     599.0665     592.2922
  144       610.7088     604.6795     598.3383     591.6836     584.7138
 
                                                                Page 25(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
   97       845.6488     844.2394     842.7239     841.1040     839.3813
   98       841.6874     840.2062     838.6164     836.9197     835.1177
   99       837.6806     836.1259     834.4602     832.6849     830.8017
  100       833.6278     831.9981     830.2545     828.3989     826.4326
  101       829.5287     827.8221     825.9990     824.0611     822.0098
  102       825.3825     823.5973     821.6929     819.6708     817.5327
  103       821.1889     819.3233     817.3357     815.2276     813.0005
  104       816.9472     814.9994     812.9267     810.7306     808.4126
  105       812.6569     810.6251     808.4654     806.1793     803.7683
  106       808.3174     806.1997     803.9511     801.5730     799.0670
  107       803.9283     801.7227     799.3832     796.9111     794.3078
  108       799.4888     797.1935     794.7610     792.1928     789.4902
 
  109       794.7254     792.3338     789.8017     787.1305     784.3217
  110       789.9075     787.4173     784.7834     782.0071     779.0897
  111       785.0343     782.4436     779.7056     776.8218     773.7933
  112       780.1053     777.4118     774.5675     771.5738     768.4319
  113       775.1199     772.3213     769.3684     766.2624     763.0046
  114       770.0773     767.1714     764.1075     760.8869     757.5106
  115       764.9769     761.9614     758.7841     755.4463     751.9490
  116       759.8181     756.6906     753.3976     749.9401     746.3191
  117       754.6002     751.3584     747.9470     744.3673     740.6199
  118       749.3225     745.9639     742.4318     738.7271     734.8507
  119       743.9843     740.5065     736.8510     733.0188     729.0106
  120       738.5849     734.9854     731.2040     727.2416     723.0988
 
  121       732.8452     729.1167     725.2020     721.1018     716.8168
  122       727.0397     723.1796     719.1287     714.8878     710.4575
  123       721.1678     717.1731     712.9833     708.5988     704.0202
  124       715.2285     711.0966     706.7649     702.2338     697.5037
  125       709.2211     704.9492     700.4727     695.7918     690.9070
  126       703.1450     698.7301     694.1057     689.2720     684.2294
  127       696.9992     692.4385     687.6631     682.6735     677.4696
  128       690.7830     686.0734     681.1441     675.9952     670.6267
  129       684.4956     679.6341     674.5476     669.2362     663.6998
  130       678.1361     673.1196     667.8728     662.3955     656.6876
  131       671.7037     666.5291     661.1187     655.4722     649.5893
  132       665.1977     659.8618     654.2844     648.4652     642.4038
 
  133       658.3330     652.8278     647.0753     641.0750     634.8265
  134       651.3897     645.7117     639.7805     633.5955     627.1561
  135       644.3668     638.5126     632.3991     626.0257     619.3914
  136       637.2635     631.2296     624.9301     618.3643     611.5313
  137       630.0788     623.8615     617.3724     610.6104     603.5745
  138       622.8117     616.4075     609.7249     602.7628     595.5199
  139       615.4614     608.8665     601.9866     594.8204     587.3664
  140       608.0268     601.2376     594.1565     586.7820     579.1126
  141       600.5071     593.5196     586.2333     578.6464     570.7574
  142       592.9012     585.7116     578.2160     570.4126     562.2995
  143       585.2081     577.8126     570.1036     562.0793     553.7376
  144       577.4270     569.8213     561.8948     553.6453     545.0704
 
                                                                Page 25(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
  145       603.5349     597.3223     590.7910     583.9392     576.7652
  146       596.2863     589.8870     583.1620     576.1094     568.7272
  147       588.9622     582.3726     575.4503     568.1931     560.5988
  148       581.5618     574.7784     567.6550     560.1893     552.3789
  149       574.0844     567.1036     559.7753     552.0972     544.0666
  150       566.5290     559.3471     551.8103     543.9158     535.6607
  151       558.8949     551.5083     543.7589     535.6440     527.1603
  152       551.1814     543.5862     535.6204     527.2808     518.5643
  153       543.3874     535.5799     527.3936     518.8254     509.8715
  154       535.5123     527.4885     519.0778     510.2765     501.0810
  155       527.5551     519.3112     510.6719     501.6333     492.1916
  156       519.5151     511.0470     502.1748     492.8946     483.2021
 
  157       511.1206     502.4193     493.3052     483.7739     473.8210
  158       502.6386     493.7000     484.3395     474.5525     464.3344
  159       494.0684     484.8880     475.2766     465.2293     454.7410
  160       485.4088     475.9824     466.1156     455.8031     445.0397
  161       476.6590     466.9822     456.8553     446.2729     435.2293
  162       467.8181     457.8863     447.4947     436.6374     425.3085
  163       458.8851     448.6938     438.0327     426.8955     415.2761
  164       449.8590     439.4037     428.4682     417.0461     405.1308
  165       440.7389     430.0148     418.8000     407.0879     394.8714
  166       431.5238     420.5262     409.0272     397.0197     384.4966
  167       422.2128     410.9367     399.1484     386.8404     374.0050
  168       412.8047     401.2454     389.1626     376.5487     363.3955
 
  169       403.0225     391.1699     378.7825     365.8521     352.3702
  170       393.1384     380.9874     368.2899     355.0373     341.2209
  171       383.1514     370.6967     357.6837     344.1032     329.9462
  172       373.0603     360.2967     346.9625     333.0483     318.5446
  173       362.8641     349.7862     336.1252     321.8714     307.0147
  174       352.5617     339.1640     325.1705     310.5711     295.3552
  175       342.1520     328.4289     314.0971     299.1459     283.5645
  176       331.6338     317.5798     302.9037     287.5947     271.6411
  177       321.0061     306.6154     291.5891     275.9158     259.5836
  178       310.2677     295.5345     280.1519     264.1081     247.3904
  179       299.4174     284.3358     268.5909     252.1699     235.0601
  180       288.4541     273.0182     256.9045     240.1000     222.5911
 
  181       277.0949     261.2936     244.7997     227.5996     209.6795
  182       265.6174     249.4444     232.5637     214.9613     196.6226
  183       254.0204     237.4693     220.1951     202.1834     183.4189
  184       242.3026     225.3669     207.6926     189.2644     170.0666
  185       230.4627     213.1360     195.0546     176.2028     156.5641
  186       218.4994     200.7751     182.2797     162.9969     142.9097
  187       206.4116     188.2828     169.3664     149.6452     129.1017
  188       194.1978     175.6579     156.3132     136.1461     115.1384
  189       181.8568     162.8988     143.1186     122.4980     101.0179
  190       169.3873     150.0041     129.7811     108.6991      86.7386
  191       156.7879     136.9725     116.2991      94.7479      72.2987
  192       144.0572     123.8023     102.6710      80.6427      57.6963
 
                                                                Page 26(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
  145       569.2669     561.4422     553.2890     544.8048     535.9873
  146       561.0133     552.9653     544.5809     535.8575     526.7925
  147       552.6651     544.3895     535.7695     526.8022     517.4847
  148       544.2213     535.7137     526.8534     517.6374     508.0625
  149       535.6807     526.9367     517.8314     508.3618     498.5245
  150       527.0423     518.0572     508.7023     498.9742     488.8692
  151       518.3048     509.0742     499.4648     489.4731     479.0952
  152       509.4673     499.9863     490.1176     479.8573     469.2012
  153       500.5285     490.7925     480.6594     470.1252     459.1855
  154       491.4873     481.4913     471.0889     460.2756     449.0467
  155       482.3425     472.0817     461.4047     450.3069     438.7832
  156       473.0929     462.5623     451.6056     440.2178     428.3936
 
  157       463.4418     452.6313     441.3845     429.6961     417.5607
  158       453.6800     442.5844     431.0420     419.0474     406.5946
  159       443.8065     432.4203     420.5767     408.2699     395.4937
  160       433.8198     422.1376     409.9872     397.3622     384.2564
  161       423.7187     411.7350     399.2718     386.3228     372.8809
  162       413.5018     401.2110     388.4293     375.1499     361.3656
  163       403.1679     390.5642     377.4580     363.8420     349.7088
  164       392.7155     379.7932     366.3564     352.3975     337.9086
  165       382.1434     368.8965     355.1229     340.8147     325.9635
  166       371.4502     357.8727     343.7561     329.0919     313.8715
  167       360.6344     346.7203     332.2543     317.2275     301.6309
  168       349.6947     335.4378     320.6159     305.2198     289.2398
 
  169       338.3282     323.7171     308.5276     292.7501     276.3745
  170       326.8315     311.8597     296.2958     280.1297     263.3510
  171       315.2030     299.8639     283.9187     267.3569     250.1674
  172       303.4413     287.7282     271.3947     254.4297     236.8218
  173       291.5448     275.4509     258.7219     241.3463     223.3121
  174       279.5120     263.0304     245.8986     228.1048     209.6364
  175       267.3414     250.4649     232.9231     214.7033     195.7926
  176       255.0312     237.7529     219.7935     201.1399     181.7786
  177       242.5801     224.8926     206.5079     187.4126     167.5924
  178       229.9862     211.8822     193.0646     173.5194     153.2318
  179       217.2481     198.7200     179.4617     159.4583     138.6947
  180       204.3639     185.4043     165.6972     145.2273     123.9789
 
  181       191.0247     171.6205     151.4513     130.5013     108.7538
  182       177.5327     157.6759     137.0363     115.5972      93.3415
  183       163.8860     143.5687     122.4501     100.5131      77.7398
  184       150.0830     129.2968     107.6907      85.2467      61.9464
  185       136.1218     114.8585      92.7560      69.7959      45.9588
  186       122.0007     100.2517      77.6440      54.1584      29.7747
  187       107.7177      85.4745      62.3525      38.3319      13.3917
  188        93.2711      70.5248      46.8795      22.3141       0.0000
  189        78.6590      55.4008      31.2227       6.1028
  190        63.8794      40.1004      15.3799       0.0000
  191        48.9304      24.6214       0.0000
  192        33.8102       8.9618
 
                                                                Page 26(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
  193       130.9066     110.1998      88.5975      66.0786      42.6214
  194       117.6191      96.4527      74.3716      51.3538      27.3768
  195       104.1931      82.5595      59.9915      36.4664      11.9607
  196        90.6273      68.5187      45.4557      21.4146       0.0000
  197        76.9202      54.3288      30.7623       6.1966
  198        63.0702      39.9881      15.9099       0.0000
  199        49.0761      25.4950       0.8965
  200        34.9361      10.8479       0.0000
  201        20.6489       0.0000
  202         6.2128
  203         0.0000
 
                                                                Page 27(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
  193        18.2031       0.0000
  194         2.4172
  195         0.0000
  196
  197
  198
  199
  200
  201
  202
  203
 
                                                                Page 27(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     15.00        15.25        15.50        15.75        16.00
 
    1       999.8556     999.8637     999.8715     999.8788     999.8858
    2       999.7093     999.7258     999.7413     999.7561     999.7700
    3       999.5612     999.5860     999.6095     999.6317     999.6527
    4       999.4113     999.4445     999.4759     999.5057     999.5338
    5       999.2595     999.3012     999.3407     999.3780     999.4134
    6       999.1058     999.1561     999.2037     999.2487     999.2913
    7       998.9502     999.0091     999.0649     999.1177     999.1676
    8       998.7926     998.8603     998.9243     998.9849     999.0423
    9       998.6331     998.7095     998.7819     998.8504     998.9153
   10       998.4716     998.5569     998.6377     998.7142     998.7866
   11       998.3080     998.4023     998.4916     998.5761     998.6562
   12       998.1424     998.2457     998.3436     998.4363     998.5240
 
   13       997.7219     997.8303     997.9328     998.0296     998.1212
   14       997.2961     997.4096     997.5167     997.6177     997.7129
   15       996.8650     996.9835     997.0952     997.2003     997.2992
   16       996.4284     996.5520     996.6682     996.7775     996.8800
   17       995.9865     996.1151     996.2358     996.3491     996.4553
   18       995.5390     995.6725     995.7978     995.9151     996.0248
   19       995.0859     995.2244     995.3541     995.4754     995.5886
   20       994.6271     994.7706     994.9047     995.0299     995.1466
   21       994.1626     994.3110     994.4495     994.5786     994.6987
   22       993.6923     993.8455     993.9884     994.1213     994.2448
   23       993.2162     993.3742     993.5213     993.6581     993.7849
   24       992.7340     992.8968     993.0482     993.1887     993.3189
 
   25       991.9879     992.1514     992.3029     992.4430     992.5723
   26       991.2325     991.3965     991.5479     991.6875     991.8157
   27       990.4676     990.6320     990.7832     990.9221     991.0491
   28       989.6932     989.8577     990.0087     990.1466     990.2722
   29       988.9091     989.0737     989.2241     989.3610     989.4850
   30       988.1152     988.2796     988.4294     988.5650     988.6872
   31       987.3114     987.4755     987.6244     987.7586     987.8789
   32       986.4975     986.6612     986.8090     986.9416     987.0598
   33       985.6734     985.8365     985.9831     986.1139     986.2297
   34       984.8391     985.0013     985.1465     985.2754     985.3886
   35       983.9943     984.1556     984.2991     984.4258     984.5362
   36       983.1389     983.2990     983.4408     983.5651     983.6725
 
   37       982.0098     982.1643     982.2999     982.4174     982.5175
   38       980.8665     981.0152     981.1443     981.2547     981.3471
   39       979.7090     979.8515     979.9738     980.0767     980.1610
   40       978.5370     978.6730     978.7882     978.8833     978.9592
   41       977.3503     977.4796     977.5872     977.6742     977.7413
   42       976.1488     976.2709     976.3708     976.4492     976.5072
   43       974.9323     975.0469     975.1386     975.2082     975.2566
   44       973.7005     973.8074     973.8905     973.9508     973.9894
   45       972.4534     972.5520     972.6263     972.6770     972.7052
   46       971.1907     971.2808     971.3457     971.3864     971.4039
   47       969.9122     969.9934     970.0486     970.0789     970.0853
   48       968.6177     968.6896     968.7348     968.7543     968.7491
 
                                                                Page 28(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     16.25        16.50        16.75        17.00        17.25
 
    1       999.8923     999.8985     999.9044     999.9099     999.9151
    2       999.7832     999.7956     999.8074     999.8186     999.8291
    3       999.6726     999.6914     999.7091     999.7259     999.7418
    4       999.5605     999.5856     999.6094     999.6319     999.6532
    5       999.4468     999.4784     999.5084     999.5366     999.5633
    6       999.3317     999.3698     999.4059     999.4400     999.4722
    7       999.2149     999.2597     999.3020     999.3419     999.3798
    8       999.0966     999.1480     999.1966     999.2425     999.2860
    9       998.9767     999.0348     999.0898     999.1417     999.1909
   10       998.8552     998.9200     998.9814     999.0395     999.0944
   11       998.7320     998.8037     998.8716     998.9358     998.9965
   12       998.6071     998.6858     998.7602     998.8306     998.8972
 
   13       998.2076     998.2892     998.3662     998.4388     998.5073
   14       997.8027     997.8872     997.9667     998.0415     998.1118
   15       997.3922     997.4796     997.5616     997.6385     997.7106
   16       996.9763     997.0664     997.1509     997.2299     997.3036
   17       996.5546     996.6476     996.7344     996.8154     996.8908
   18       996.1273     996.2230     996.3121     996.3950     996.4721
   19       995.6942     995.7925     995.8839     995.9688     996.0473
   20       995.2552     995.3562     995.4498     995.5364     995.6164
   21       994.8103     994.9138     995.0096     995.0980     995.1794
   22       994.3594     994.4654     994.5632     994.6533     994.7360
   23       993.9023     994.0108     994.1106     994.2023     994.2863
   24       993.4391     993.5499     993.6517     993.7450     993.8301
 
   25       992.6911     992.8001     992.8997     992.9903     993.0724
   26       991.9330     992.0400     992.1372     992.2249     992.3037
   27       991.1647     991.2695     991.3640     991.4487     991.5241
   28       990.3859     990.4884     990.5801     990.6615     990.7332
   29       989.5966     989.6965     989.7852     989.8632     989.9309
   30       988.7966     988.8938     988.9792     989.0535     989.1172
   31       987.9858     988.0800     988.1620     988.2324     988.2917
   32       987.1640     987.2550     987.3333     987.3996     987.4543
   33       986.3311     986.4187     986.4931     986.5550     986.6050
   34       985.4869     985.5709     985.6412     985.6985     985.7434
   35       984.6312     984.7114     984.7774     984.8299     984.8694
   36       983.7640     983.8401     983.9015     983.9489     983.9829
 
   37       982.6010     982.6686     982.7209     982.7588     982.7827
   38       981.4222     981.4810     981.5239     981.5518     981.5653
   39       980.2275     980.2770     980.3102     980.3278     980.3304
   40       979.0167     979.0565     979.0795     979.0863     979.0777
   41       977.7894     977.8193     977.8317     977.8274     977.8070
   42       976.5455     976.5650     976.5664     976.5505     976.5181
   43       975.2847     975.2934     975.2835     975.2556     975.2106
   44       974.0069     974.0044     973.9826     973.9424     973.8844
   45       972.7118     972.6977     972.6636     972.6105     972.5390
   46       971.3992     971.3730     971.3262     971.2598     971.1744
   47       970.0687     970.0300     969.9701     969.8899     969.7901
   48       968.7203     968.6687     968.5951     968.5006     968.3859
 
                                                                Page 28(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     15.00        15.25        15.50        15.75        16.00
 
   49       967.0387     967.0966     967.1271     967.1311     967.1097
   50       965.4399     965.4834     965.4986     965.4866     965.4484
   51       963.8212     963.8497     963.8492     963.8205     963.7650
   52       962.1822     962.1953     962.1784     962.1326     962.0591
   53       960.5227     960.5198     960.4860     960.4225     960.3305
   54       958.8425     958.8230     958.7717     958.6900     958.5788
   55       957.1413     957.1046     957.0354     956.9347     956.8038
   56       955.4188     955.3644     955.2766     955.1564     955.0051
   57       953.6748     953.6021     953.4950     953.3547     953.1824
   58       951.9090     951.8174     951.6905     951.5294     951.3354
   59       950.1211     950.0101     949.8627     949.6802     949.4638
   60       948.3109     948.1797     948.0112     947.8067     947.5672
 
   61       946.2043     946.0480     945.8534     945.6218     945.3543
   62       944.0713     943.8893     943.6678     943.4082     943.1118
   63       941.9117     941.7031     941.4539     941.1656     940.8394
   64       939.7251     939.4891     939.2114     938.8936     938.5367
   65       937.5112     937.2470     936.9400     936.5917     936.2033
   66       935.2696     934.9763     934.6392     934.2596     933.8388
   67       933.0000     932.6769     932.3087     931.8969     931.4428
   68       930.7020     930.3482     929.9481     929.5032     929.0149
   69       928.3753     927.9899     927.5570     927.0781     926.5545
   70       926.0195     925.6016     925.1351     924.6212     924.0614
   71       923.6343     923.1830     922.6818     922.1320     921.5350
   72       921.2192     920.7337     920.1969     919.6101     918.9749
 
   73       918.4948     917.9696     917.3918     916.7627     916.0838
   74       915.7363     915.1704     914.5504     913.8778     913.1541
   75       912.9433     912.3356     911.6724     910.9552     910.1853
   76       910.1154     909.4648     908.7572     907.9941     907.1770
   77       907.2521     906.5574     905.8043     904.9942     904.1285
   78       904.3531     903.6132     902.8133     901.9549     901.0394
   79       901.4178     900.6315     899.7837     898.8757     897.9091
   80       898.4458     897.6120     896.7149     895.7561     894.7371
   81       895.4367     894.5540     893.6065     892.5956     891.5228
   82       892.3900     891.4572     890.4579     889.3935     888.2656
   83       889.3052     888.3211     887.2687     886.1495     884.9650
   84       886.1818     885.1451     884.0382     882.8629     881.6204
 
   85       882.7346     881.6394     880.4723     879.2348     877.9283
   86       879.2443     878.0892     876.8602     875.5590     874.1870
   87       875.7103     874.4938     873.2016     871.8351     870.3958
   88       872.1322     870.8528     869.4956     868.0622     866.5540
   89       868.5094     867.1655     865.7418     864.2398     862.6610
   90       864.8413     863.4313     861.9395     860.3673     858.7161
   91       861.1273     859.6497     858.0881     856.4439     854.7187
   92       857.3669     855.8200     854.1869     852.4691     850.6679
   93       853.5595     851.9417     850.2354     848.4420     846.5631
   94       849.7045     848.0141     846.2328     844.3621     842.4036
   95       845.8013     844.0365     842.1785     840.2287     838.1886
   96       841.8494     840.0084     838.0718     836.0410     833.9174
 
                                                                Page 29(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     16.25        16.50        16.75        17.00        17.25
 
   49       967.0639     966.9946     966.9027     966.7891     966.6546
   50       965.3850     965.2974     965.1866     965.0533     964.8985
   51       963.6835     963.5770     963.4465     963.2929     963.1171
   52       961.9589     961.8329     961.6822     961.5076     961.3101
   53       960.2109     960.0648     959.8932     959.6970     959.4771
   54       958.4393     958.2724     958.0792     957.8607     957.6178
   55       956.6436     956.4554     956.2400     955.9984     955.7317
   56       954.8237     954.6133     954.3750     954.1098     953.8185
   57       952.9791     952.7460     952.4841     952.1944     951.8778
   58       951.1095     950.8529     950.5667     950.2518     949.9093
   59       949.2147     948.9339     948.6226     948.2818     947.9124
   60       947.2941     946.9884     946.6513     946.2838     945.8868
 
   61       945.0521     944.7164     944.3483     943.9489     943.5191
   62       942.7797     942.4131     942.0131     941.5809     941.1173
   63       940.4765     940.0781     939.6453     939.1793     938.6811
   64       938.1421     937.7110     937.2445     936.7437     936.2097
   65       935.7762     935.3114     934.8102     934.2737     933.7029
   66       933.3782     932.8788     932.3419     931.7686     931.1600
   67       930.9477     930.4127     929.8391     929.2281     928.5806
   68       928.4843     927.9127     927.3014     926.6515     925.9641
   69       925.9875     925.3784     924.7283     924.0385     923.3100
   70       923.4569     922.8092     922.1193     921.3884     920.6177
   71       920.8921     920.2046     919.4738     918.7008     917.8867
   72       918.2925     917.5643     916.7914     915.9751     915.1165
 
   73       915.3564     914.5818     913.7613     912.8960     911.9872
   74       912.3804     911.5583     910.6888     909.7733     908.8128
   75       909.3642     908.4932     907.5735     906.6063     905.5929
   76       906.3071     905.3859     904.4147     903.3945     902.3266
   77       903.2087     902.2360     901.2117     900.1372     899.0134
   78       900.0682     899.0427     897.9641     896.8337     895.6526
   79       896.8853     895.8055     894.6712     893.4834     892.2434
   80       893.6592     892.5238     891.3322     890.0857     888.7853
   81       890.3895     889.1970     887.9467     886.6398     885.2774
   82       887.0755     885.8245     884.5139     883.1451     881.7192
   83       883.7166     882.4055     881.0332     879.6009     878.1097
   84       880.3122     878.9396     877.5040     876.0065     874.4484
 
   85       876.5543     875.1140     873.6089     872.0401     870.4088
   86       872.7455     871.2358     869.6594     868.0174     866.3111
   87       868.8851     867.3043     865.6548     863.9378     862.1544
   88       864.9724     863.3188     861.5944     859.8004     857.9381
   89       861.0068     859.2784     857.4772     855.6044     853.6611
   90       856.9874     855.1825     853.3026     851.3489     849.3227
   91       852.9137     851.0303     849.0697     847.0332     844.9218
   92       848.7847     846.8209     844.7777     842.6563     840.4578
   93       844.5999     842.5537     840.4258     838.2174     835.9295
   94       840.3584     838.2278     836.0132     833.7156     831.3362
   95       836.0594     833.8425     831.5390     829.1500     826.6768
   96       831.7022     829.3968     827.0023     824.5198     821.9504
 
                                                                Page 29(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     15.00        15.25        15.50        15.75        16.00
 
   97       837.5575     835.6340     833.6124     831.4941     829.2803
   98       833.2120     831.2041     829.0954     826.8874     824.5814
   99       828.8122     826.7178     824.5201     822.2203     819.8199
  100       824.3573     822.1746     819.8856     817.4920     814.9948
  101       819.8468     817.5735     815.1913     812.7015     810.1055
  102       815.2799     812.9141     810.4364     807.8483     805.1509
  103       810.6560     808.1954     805.6200     802.9313     800.1303
  104       805.9742     803.4167     800.7415     797.9497     795.0427
  105       801.2339     798.5773     795.7999     792.9028     789.8873
  106       796.4343     793.6764     790.7945     787.7897     784.6632
  107       791.5748     788.7132     785.7244     782.6094     779.3694
  108       786.6545     783.6870     780.5888     777.3612     774.0050
 
  109       781.3764     778.2959     775.0813     771.7336     768.2540
  110       776.0323     772.8363     769.5025     766.0322     762.4262
  111       770.6215     767.3073     763.8518     760.2560     756.5208
  112       765.1430     761.7080     758.1280     754.4040     750.5367
  113       759.5960     756.0376     752.3303     748.4751     744.4728
  114       753.9796     750.2951     746.4577     742.4684     738.3280
  115       748.2931     744.4796     740.5093     736.3829     732.1013
  116       742.5355     738.5902     734.4840     730.2176     725.7915
  117       736.7059     732.6260     728.3809     723.9713     719.3976
  118       730.8035     726.5860     722.1990     717.6430     712.9185
  119       724.8272     720.4692     715.9372     711.2317     706.3530
  120       718.7763     714.2747     709.5945     704.7362     699.7000
 
  121       712.3475     707.6945     702.8581     697.8388     692.6368
  122       705.8383     701.0306     696.0347     690.8510     685.4794
  123       699.2478     694.2821     689.1232     683.7714     678.2266
  124       692.5749     687.4478     682.1224     676.5989     670.8771
  125       685.8186     680.5266     675.0311     669.3322     663.4297
  126       678.9778     673.5175     667.8483     661.9702     655.8829
  127       672.0515     666.4193     660.5727     654.5115     648.2355
  128       665.0387     659.2309     653.2031     646.9550     640.4861
  129       657.9382     651.9511     645.7383     639.2993     632.6334
  130       650.7489     644.5789     638.1771     631.5431     624.6760
  131       643.4697     637.1129     630.5183     623.6851     616.6125
  132       636.0996     629.5521     622.7605     615.7239     608.4415
 
  133       628.3291     621.5820     614.5844     607.3353     599.8337
  134       620.4614     613.5107     606.3028     598.8367     591.1111
  135       612.4954     605.3367     597.9142     590.2264     582.2722
  136       604.4298     597.0589     589.4172     581.5032     573.3155
  137       596.2634     588.6759     580.8105     572.6655     564.2393
  138       587.9950     580.1864     572.0926     563.7118     555.0421
  139       579.6231     571.5890     563.2621     554.6406     545.7223
  140       571.1466     562.8823     554.3175     545.4503     536.2783
  141       562.5642     554.0649     545.2574     536.1394     526.7083
  142       553.8745     545.1356     536.0803     526.7062     517.0107
  143       545.0762     536.0927     526.7846     517.1493     507.1838
  144       536.1678     526.9349     517.3689     507.4669     497.2259
 
                                                                Page 30(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     16.25        16.50        16.75        17.00        17.25
 
   97       826.9725     824.5718     822.0794     819.4964     816.8239
   98       822.1787     819.6804     817.0878     814.4019     811.6238
   99       817.3200     814.7218     812.0265     809.2352     806.3488
  100       812.3955     809.6950     806.8946     803.9953     800.9981
  101       807.4043     804.5991     801.6911     798.6812     795.5704
  102       802.3455     799.4331     796.4149     793.2918     790.0647
  103       797.2182     794.1961     791.0651     787.8260     784.4798
  104       792.0215     788.8871     785.6406     782.2828     778.8147
  105       786.7544     783.5051     780.1404     776.6611     773.0681
  106       781.4160     778.0490     774.5634     770.9598     767.2390
  107       776.0052     772.5180     768.9086     765.1776     761.3260
  108       770.5213     766.9109     763.1748     759.3136     755.3280
 
  109       764.6432     760.9021     757.0317     753.0324     748.9050
  110       758.6855     754.8108     750.8028     746.6622     742.3896
  111       752.6471     748.6356     744.4870     740.2018     735.7806
  112       746.5270     742.3755     738.0830     733.6498     729.0766
  113       740.3240     736.0294     731.5896     727.0051     722.2762
  114       734.0370     729.5960     725.0056     720.2662     715.3781
  115       727.6648     723.0741     718.3297     713.4318     708.3808
  116       721.2064     716.4626     711.5606     706.5006     701.2829
  117       714.6605     709.7602     704.6970     699.4712     694.0829
  118       708.0259     702.9656     697.7376     692.3423     686.7795
  119       701.3016     696.0775     690.6811     685.1123     679.3711
  120       694.4861     689.0948     683.5261     677.7799     671.8562
 
  121       687.2521     681.6850     675.9353     670.0029     663.8876
  122       679.9202     674.1733     668.2385     662.1157     655.8045
  123       672.4890     666.5583     660.4343     654.1168     647.6052
  124       664.9571     658.8386     652.5212     646.0045     639.2881
  125       657.3233     651.0127     644.4976     637.7774     630.8514
  126       649.5860     643.0793     636.3620     629.4336     622.2934
  127       641.7440     635.0367     628.1129     620.9717     613.6123
  128       633.7959     626.8836     619.7486     612.3899     604.8065
  129       625.7400     618.6184     611.2676     603.6865     595.8741
  130       617.5751     610.2395     602.6681     594.8598     586.8133
  131       609.2996     601.7454     593.9487     585.9081     577.6223
  132       600.9121     593.1345     585.1075     576.8296     568.2991
 
  133       592.0782     584.0676     575.8003     567.2749     558.4894
  134       583.1247     574.8759     566.3632     557.5848     548.5387
  135       574.0499     565.5579     556.7944     547.7574     538.4449
  136       564.8523     556.1117     547.0920     537.7908     528.2060
  137       555.5301     546.5357     537.2541     527.6830     517.8200
  138       546.0816     536.8280     527.2790     517.4321     507.2846
  139       536.5052     526.9868     517.1646     507.0359     496.5978
  140       526.7991     517.0103     506.9090     496.4924     485.7574
  141       516.9616     506.8966     496.5103     485.7996     474.7612
  142       506.9909     496.6439     485.9664     474.9553     463.6068
  143       496.8852     486.2501     475.2754     463.9573     452.2922
  144       486.6426     475.7135     464.4351     452.8036     440.8149
 
                                                                Page 30(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     15.00        15.25        15.50        15.75        16.00
 
  145       526.8337     517.3413     507.5072     497.3281     486.8008
  146       517.3829     507.6258     497.5180     487.0562     476.2367
  147       507.8140     497.7869     487.3999     476.6494     465.5318
  148       498.1255     487.8229     477.1510     466.1061     454.6841
  149       488.3158     477.7323     466.7698     455.4244     443.6918
  150       478.3836     467.5134     456.2545     444.6025     432.5529
  151       468.3272     457.1647     445.6034     433.6386     421.2655
  152       458.1451     446.6844     434.8146     422.5307     409.8276
  153       447.8357     436.0710     423.8866     411.2771     398.2372
  154       437.3974     425.3227     412.8173     399.8758     386.4923
  155       426.8287     414.4378     401.6051     388.3248     374.5907
  156       416.1278     403.4146     390.2481     376.6222     362.5305
 
  157       404.9725     391.9255     378.4135     364.4300     349.9684
  158       393.6777     380.2904     366.4260     352.0778     337.2388
  159       382.2417     368.5074     354.2837     339.5635     324.3394
  160       370.6628     356.5746     341.9845     326.8850     311.2681
  161       358.9392     344.4903     329.5265     314.0400     298.0224
  162       347.0690     332.2523     316.9076     301.0264     284.6002
  163       335.0504     319.8589     304.1257     287.8421     270.9990
  164       322.8816     307.3079     291.1786     274.4847     257.2165
  165       310.5607     294.5974     278.0644     260.9519     243.2501
  166       298.0858     281.7254     264.7807     247.2416     229.0976
  167       285.4549     268.6898     251.3255     233.3513     214.7564
  168       272.6662     255.4886     237.6965     219.2787     200.2239
 
  169       259.3904     241.7873     223.5539     204.6787     185.1498
  170       245.9487     227.9118     209.2286     189.8871     169.8747
  171       232.3390     213.8601     194.7183     174.9013     154.3959
  172       218.5592     199.6297     180.0206     159.7188     138.7107
  173       204.6071     185.2185     165.1331     144.3371     122.8164
  174       190.4806     170.6242     150.0532     128.7535     106.7102
  175       176.1776     155.8444     134.7786     112.9653      90.3892
  176       161.6957     140.8767     119.3066      96.9700      73.8506
  177       147.0329     125.7189     103.6349      80.7647      57.0915
  178       132.1867     110.3684      87.7607      64.3467      40.1090
  179       117.1550      94.8228      71.6814      47.7132      22.9000
  180       101.9353      79.0797      55.3945      30.8614       5.4615
 
  181        86.1918      62.7976      38.5529      13.4388       0.0000
  182        70.2514      46.3085      21.4938       0.0000
  183        54.1118      29.6099       4.2144
  184        37.7704      12.6991       0.0000
  185        21.2248       0.0000
  186         4.4724
  187         0.0000
 
                                                                Page 31(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 2.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     16.25        16.50        16.75        17.00        17.25
 
  145       475.9219     464.6875     453.0940     441.1373     428.8130
  146       465.0560     453.5100     441.5947     429.3057     416.6386
  147       454.0429     442.1787     429.9348     417.3065     404.2892
  148       442.8807     430.6916     418.1121     405.1373     391.7622
  149       431.5674     419.0466     406.1245     392.7958     379.0552
  150       420.1009     407.2415     393.9695     380.2794     366.1655
  151       408.4791     395.2740     381.6448     367.5857     353.0906
  152       396.6999     383.1420     369.1481     354.7121     339.8276
  153       384.7612     370.8432     356.4770     341.6562     326.3741
  154       372.6608     358.3753     343.6290     328.4153     312.7271
  155       360.3966     345.7359     330.6017     314.9868     298.8840
  156       347.9663     332.9227     317.3925     301.3681     284.8418
 
  157       335.0215     319.5821     303.6425     287.1949     270.2310
  158       321.9013     306.0579     289.7006     272.8209     255.4103
  159       308.6035     292.3479     275.5640     258.2432     240.3764
  160       295.1257     278.4493     261.2301     243.4590     225.1265
  161       281.4653     264.3596     246.6962     228.4654     209.6573
  162       267.6199     250.0762     231.9593     213.2593     193.9657
  163       253.5870     235.5964     217.0168     197.8379     178.0486
  164       239.3641     220.9174     201.8657     182.1980     161.9027
  165       224.9486     206.0367     186.5031     166.3365     145.5247
  166       210.3379     190.9513     170.9261     150.2503     128.9112
  167       195.5294     175.6585     155.1317     133.9362     112.0590
  168       180.5203     160.1555     139.1168     117.3910      94.9644
 
  169       164.9548     144.0809     122.5147     100.2425      77.2501
  170       149.1785     127.7853     105.6809      82.8512      59.2811
  171       133.1887     111.2656      88.6121      65.2134      41.0538
  172       116.9822      94.5187      71.3051      47.3258      22.5644
  173       100.5563      77.5416      53.7565      29.1847       3.8093
  174        83.9080      60.3311      35.9630      10.7867       0.0000
  175        67.0342      42.8839      17.9211       0.0000
  176        49.9320      25.1968       0.0000
  177        32.5981       7.2665
  178        15.0295       0.0000
  179         0.0000
  180
 
  181
  182
  183
  184
  185
  186
  187
 
                                                                Page 31(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
    1       999.5576     999.5807     999.6026     999.6235     999.6434
    2       999.1115     999.1577     999.2017     999.2437     999.2836
    3       998.6618     998.7312     998.7974     998.8604     998.9205
    4       998.2082     998.3010     998.3894     998.4737     998.5540
    5       997.7509     997.8671     997.9780     998.0836     998.1842
    6       997.2898     997.4296     997.5629     997.6899     997.8110
    7       996.8248     996.9883     997.1442     997.2927     997.4343
    8       996.3560     996.5432     996.7218     996.8920     997.0542
    9       995.8832     996.0943     996.2957     996.4877     996.6707
   10       995.4065     995.6416     995.8659     996.0797     996.2836
   11       994.9259     995.1850     995.4323     995.6681     995.8930
   12       994.4412     994.7246     994.9950     995.2529     995.4987
 
   13       993.6892     993.9913     994.2794     994.5538     994.8152
   14       992.9310     993.2518     993.5575     993.8485     994.1254
   15       992.1664     992.5060     992.8293     993.1369     993.4293
   16       991.3955     991.7538     992.0947     992.4189     992.7268
   17       990.6181     990.9952     991.3538     991.6944     992.0179
   18       989.8343     990.2301     990.6063     990.9635     991.3024
   19       989.0439     989.4585     989.8523     990.2260     990.5805
   20       988.2470     988.6803     989.0917     989.4819     989.8518
   21       987.4434     987.8954     988.3244     988.7312     989.1166
   22       986.6331     987.1038     987.5504     987.9737     988.3745
   23       985.8160     986.3055     986.7697     987.2094     987.6257
   24       984.9922     985.5004     985.9821     986.4383     986.8700
 
   25       983.8903     984.4114     984.9050     985.3719     985.8131
   26       982.7792     983.3132     983.8184     984.2959     984.7465
   27       981.6589     982.2056     982.7224     983.2102     983.6702
   28       980.5292     981.0885     981.6167     982.1148     982.5839
   29       979.3902     979.9619     980.5014     981.0096     981.4878
   30       978.2416     978.8257     979.3763     979.8945     980.3815
   31       977.0834     977.6798     978.2414     978.7695     979.2652
   32       975.9157     976.5240     977.0965     977.6343     978.1386
   33       974.7381     975.3585     975.9417     976.4890     977.0016
   34       973.5508     974.1829     974.7767     975.3334     975.8543
   35       972.3536     972.9973     973.6015     974.1674     974.6964
   36       971.1463     971.8016     972.4160     972.9911     973.5279
 
   37       969.6498     970.3105     970.9291     971.5070     972.0457
   38       968.1407     968.8066     969.4291     970.0097     970.5498
   39       966.6191     967.2899     967.9160     968.4990     969.0402
   40       965.0848     965.7602     966.3897     966.9747     967.5168
   41       963.5377     964.2174     964.8500     965.4368     965.9794
   42       961.9777     962.6615     963.2968     963.8851     964.4279
   43       960.4047     961.0923     961.7301     962.3195     962.8622
   44       958.8187     959.5097     960.1496     960.7399     961.2821
   45       957.2193     957.9136     958.5553     959.1461     959.6876
   46       955.6067     956.3038     956.9471     957.5380     958.0784
   47       953.9806     954.6803     955.3247     955.9156     956.4545
   48       952.3410     953.0429     953.6882     954.2786     954.8157
 
                                                                Page 32(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
    1       999.6624     999.6804     999.6976     999.7139     999.7294
    2       999.3216     999.3578     999.3922     999.4249     999.4560
    3       998.9776     999.0320     999.0838     999.1330     999.1798
    4       998.6304     998.7032     998.7724     998.8382     998.9008
    5       998.2800     998.3712     998.4579     998.5405     998.6189
    6       997.9262     998.0360     998.1404     998.2397     998.3342
    7       997.5692     997.6976     997.8198     997.9360     998.0466
    8       997.2088     997.3559     997.4960     997.6293     997.7560
    9       996.8450     997.0110     997.1690     997.3194     997.4625
   10       996.4778     996.6628     996.8389     997.0065     997.1659
   11       996.1072     996.3112     996.5055     996.6904     996.8664
   12       995.7331     995.9563     996.1689     996.3712     996.5637
 
   13       995.0641     995.3009     995.5261     995.7402     995.9437
   14       994.3888     994.6392     994.8770     995.1029     995.3173
   15       993.7072     993.9711     994.2216     994.4592     994.6845
   16       993.0192     993.2967     993.5598     993.8091     994.0452
   17       992.3248     992.6158     992.8915     993.1525     993.3994
   18       991.6238     991.9283     992.2166     992.4893     992.7470
   19       990.9163     991.2343     991.5351     991.8195     992.0880
   20       990.2022     990.5336     990.8470     991.1430     991.4222
   21       989.4813     989.8263     990.1521     990.4597     990.7496
   22       988.7537     989.1121     989.4505     989.7696     990.0702
   23       988.0193     988.3911     988.7419     989.0726     989.3838
   24       987.2780     987.6632     988.0264     988.3686     988.6905
 
   25       986.2296     986.6223     986.9920     987.3397     987.6662
   26       985.1714     985.5714     985.9475     986.3006     986.6315
   27       984.1033     984.5105     984.8927     985.2510     985.5862
   28       983.0251     983.4393     983.8276     984.1910     984.5303
   29       981.9369     982.3580     982.7521     983.1203     983.4636
   30       980.8384     981.2662     981.6661     982.0390     982.3860
   31       979.7297     980.1640     980.5694     980.9468     981.2974
   32       978.6105     979.0513     979.4620     979.8437     980.1976
   33       977.4809     977.9278     978.3437     978.7296     979.0867
   34       976.3406     976.7936     977.2145     977.6044     977.9644
   35       975.1897     975.6486     976.0742     976.4679     976.8307
   36       974.0280     974.4925     974.9228     975.3200     975.6853
 
   37       972.5463     973.0102     973.4388     973.8333     974.1948
   38       971.0507     971.5137     971.9403     972.3317     972.6891
   39       969.5410     970.0029     970.4271     970.8151     971.1680
   40       968.0173     968.4776     968.8991     969.2833     969.6313
   41       966.4792     966.9376     967.3562     967.7362     968.0790
   42       964.9267     965.3830     965.7981     966.1736     966.5108
   43       963.3596     963.8134     964.2248     964.5954     964.9266
   44       961.7779     962.2287     962.6361     963.0015     963.3263
   45       960.1813     960.6289     961.0318     961.3915     961.7096
   46       958.5698     959.0137     959.4118     959.7655     960.0764
   47       956.9432     957.3831     957.7760     958.1233     958.4265
   48       955.3013     955.7368     956.1241     956.4646     956.7598
 
                                                                Page 32(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
   49       950.4001     951.0978     951.7375     952.3209     952.8497
   50       948.4429     949.1361     949.7698     950.3457     950.8657
   51       946.4695     947.1576     947.7848     948.3528     948.8635
   52       944.4796     945.1622     945.7824     946.3421     946.8429
   53       942.4731     943.1497     943.7625     944.3133     944.8038
   54       940.4499     941.1201     941.7250     942.2664     942.7460
   55       938.4098     939.0731     939.6696     940.2011     940.6694
   56       936.3527     937.0087     937.5963     938.1173     938.5737
   57       934.2785     934.9266     935.5047     936.0148     936.4588
   58       932.1870     932.8267     933.3949     933.8936     934.3245
   59       930.0781     930.7089     931.2667     931.7533     932.1707
   60       927.9516     928.5731     929.1198     929.5938     929.9971
 
   61       925.5111     926.1163     926.6453     927.0998     927.4820
   62       923.0502     923.6386     924.1491     924.5835     924.9439
   63       920.5689     921.1398     921.6310     922.0446     922.3825
   64       918.0668     918.6196     919.0910     919.4830     919.7977
   65       915.5439     916.0779     916.5287     916.8984     917.1891
   66       913.0000     913.5144     913.9440     914.2907     914.5566
   67       910.4348     910.9291     911.3366     911.6596     911.9000
   68       907.8483     908.3217     908.7065     909.0049     909.2191
   69       905.2403     905.6920     906.0533     906.3265     906.5136
   70       902.6105     903.0398     903.3770     903.6241     903.7832
   71       899.9588     900.3650     900.6772     900.8974     901.0279
   72       897.2850     897.6674     897.9538     898.1464     898.2472
 
   73       894.2837     894.6350     894.8884     895.0460     895.1099
   74       891.2574     891.5768     891.7962     891.9179     891.9439
   75       888.2059     888.4924     888.6770     888.7617     888.7488
   76       885.1289     885.3817     885.5304     885.5773     885.5244
   77       882.0263     882.2444     882.3564     882.3643     882.2705
   78       878.8979     879.0803     879.1545     879.1226     878.9867
   79       875.7434     875.8892     875.9246     875.8518     875.6729
   80       872.5626     872.6709     872.6665     872.5517     872.3286
   81       869.3553     869.4250     869.3799     869.2221     868.9537
   82       866.1212     866.1514     866.0645     865.8626     865.5479
   83       862.8603     862.8499     862.7201     862.4730     862.1108
   84       859.5721     859.5202     859.3464     859.0531     858.6423
 
   85       855.9422     855.8410     855.6156     855.2681     854.8008
   86       852.2820     852.1304     851.8521     851.4493     850.9241
   87       848.5913     848.3881     848.0556     847.5962     847.0119
   88       844.8699     844.6138     844.2260     843.7086     843.0638
   89       841.1175     840.8073     840.3628     839.7862     839.0795
   90       837.3337     836.9683     836.4659     835.8286     835.0587
   91       833.5185     833.0965     832.5348     831.8356     831.0010
   92       829.6715     829.1916     828.5693     827.8068     826.9061
   93       825.7924     825.2533     824.5692     823.7419     822.7737
   94       821.8809     821.2815     820.5340     819.6406     818.6034
   95       817.9369     817.2757     816.4635     815.5026     814.3949
   96       813.9601     813.2356     812.3575     811.3275     810.1478
 
                                                                Page 33(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
   49       953.3256     953.7502     954.1251     954.4521     954.7326
   50       951.3314     951.7445     952.1066     952.4195     952.6846
   51       949.3185     949.7195     950.0683     950.3665     950.6158
   52       947.2867     947.6752     948.0101     948.2931     948.5258
   53       945.2359     945.6113     945.9317     946.1989     946.4145
   54       943.1658     943.5276     943.8329     944.0838     944.2817
   55       941.0764     941.4239     941.7137     941.9475     942.1270
   56       938.9673     939.3000     939.5736     939.7898     939.9504
   57       936.8385     937.1558     937.4126     937.6106     937.7516
   58       934.6898     934.9911     935.2304     935.4096     935.5303
   59       932.5208     932.8056     933.0269     933.1865     933.2863
   60       930.3316     930.5992     930.8018     930.9413     931.0195
 
   61       927.7939     928.0372     928.2141     928.3263     928.3756
   62       925.2324     925.4507     925.6010     925.6851     925.7048
   63       922.6468     922.8394     922.9624     923.0175     923.0067
   64       920.0371     920.2031     920.2979     920.3232     920.2811
   65       917.4028     917.5416     917.6073     917.6020     917.5276
   66       914.7439     914.8545     914.8904     914.8536     914.7461
   67       912.0600     912.1416     912.1469     912.0777     911.9361
   68       909.3510     909.4028     909.3765     909.2740     909.0975
   69       906.6166     906.6377     906.5790     906.4423     906.2299
   70       903.8565     903.8461     903.7540     903.5823     903.3330
   71       901.0706     901.0278     900.9015     900.6937     900.4065
   72       898.2586     898.1825     898.0210     897.7762     897.4501
 
   73       895.0824     894.9654     894.7612     894.4718     894.0992
   74       891.8764     891.7176     891.4695     891.1343     890.7140
   75       888.6404     888.4386     888.1456     887.7635     887.2943
   76       885.3740     885.1282     884.7892     884.3590     883.8397
   77       882.0770     881.7861     881.3999     880.9204     880.3498
   78       878.7491     878.4120     877.9774     877.4474     876.8242
   79       875.3900     875.0055     874.5213     873.9397     873.2627
   80       871.9995     871.5664     871.0315     870.3969     869.6648
   81       868.5771     868.0943     867.5075     866.8187     866.0302
   82       865.1226     864.5889     863.9489     863.2048     862.3585
   83       861.6358     861.0500     860.3555     859.5546     858.6493
   84       858.1162     857.4771     856.7270     855.8680     854.9023
 
   85       854.2158     853.5152     852.7013     851.7760     850.7416
   86       850.2788     849.5154     848.6362     847.6432     846.5385
   87       846.3048     845.4773     844.5313     843.4690     842.2924
   88       842.2937     841.4004     840.3862     839.2530     838.0030
   89       838.2449     837.2845     836.2005     834.9949     833.6698
   90       834.1581     833.1292     831.9738     830.6942     829.2924
   91       830.0331     828.9340     827.7058     826.3505     824.8703
   92       825.8693     824.6986     823.3959     821.9634     820.4030
   93       821.6666     820.4226     819.0439     817.5324     815.8902
   94       817.4244     816.1057     814.6492     813.0571     811.3312
   95       813.1425     811.7473     810.2115     808.5370     806.7258
   96       808.8204     807.3473     805.7304     803.9717     802.0733
 
                                                                Page 33(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
   97       809.6262     808.8305     807.8779     806.7706     805.5104
   98       805.2563     804.3877     803.3592     802.1729     800.8305
   99       800.8500     799.9070     798.8010     797.5339     796.1077
  100       796.4069     795.3880     794.2028     792.8534     791.3416
  101       791.9268     790.8304     789.5645     788.1310     786.5318
  102       787.4094     786.2338     784.8855     783.3663     781.6780
  103       782.8543     781.5980     780.1656     778.5589     776.7796
  104       778.2613     776.9226     775.4044     773.7084     771.8363
  105       773.6300     772.2073     770.6016     768.8145     766.8478
  106       768.9601     767.4517     765.7567     763.8767     761.8135
  107       764.2513     762.6555     760.8694     758.8947     756.7330
  108       759.5032     757.8183     755.9394     753.8681     751.6060
 
  109       754.3821     752.5992     750.6186     748.4417     746.0700
  110       749.2183     747.3356     745.2512     742.9667     740.4833
  111       744.0115     742.0270     739.8369     737.4426     734.8454
  112       738.7612     736.6731     734.3752     731.8690     729.1559
  113       733.4673     731.2734     728.8657     726.2455     723.4141
  114       728.1292     725.8276     723.3080     720.5717     717.6198
  115       722.7466     720.3353     717.7017     714.8470     711.7723
  116       717.3192     714.7960     712.0463     709.0710     705.8712
  117       711.8465     709.2095     706.3414     703.2433     699.9160
  118       706.3282     703.5752     700.5866     697.3634     693.9063
  119       700.7640     697.8929     694.7815     691.4308     687.8414
  120       695.1534     692.1619     688.9256     685.4450     681.7210
 
  121       689.1525     686.0313     682.6603     679.0402     675.1717
  122       683.1016     679.8483     676.3403     672.5781     668.5623
  123       677.0003     673.6125     669.9649     666.0581     661.8924
  124       670.8481     667.3234     663.5338     659.4796     655.1613
  125       664.6447     660.9806     657.0464     652.8423     648.3685
  126       658.3896     654.5836     650.5022     646.1454     641.5134
  127       652.0823     648.1320     643.9008     639.3886     634.5955
  128       645.7225     641.6253     637.2416     632.5713     627.6142
  129       639.3097     635.0630     630.5241     625.6928     620.5689
  130       632.8435     628.4446     623.7479     618.7528     613.4591
  131       626.3233     621.7698     616.9123     611.7506     606.2840
  132       619.7489     615.0379     610.0170     604.6856     599.0432
 
  133       612.7658     607.8872     602.6925     597.1810     591.3520
  134       605.7245     600.6754     595.3039     589.6092     583.5904
  135       598.6246     593.4020     587.8507     581.9696     575.7576
  136       591.4655     586.0665     580.3323     574.2615     567.8530
  137       584.2467     578.6684     572.7480     566.4843     559.8759
  138       576.9678     571.2070     565.0975     558.6375     551.8257
  139       569.6282     563.6820     557.3799     550.7204     543.7017
  140       562.2275     556.0926     549.5949     542.7324     535.5033
  141       554.7651     548.4384     541.7417     534.6728     527.2297
  142       547.2405     540.7189     533.8198     526.5410     518.8802
  143       539.6532     532.9334     525.8286     518.3364     510.4542
  144       532.0026     525.0814     517.7675     510.0583     501.9510
 
                                                                Page 34(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
   97       804.0994     802.5396     800.8329     798.9813     796.9867
   98       799.3342     797.6859     795.8875     793.9410     791.8481
   99       794.5243     792.7857     790.8937     788.8502     786.6572
  100       789.6694     787.8385     785.8509     783.7086     781.4132
  101       784.7689     782.8439     780.7588     778.5155     776.1157
  102       779.8224     777.8014     775.6169     773.2705     770.7641
  103       774.8296     772.7107     770.4245     767.9730     765.3579
  104       769.7900     767.5711     765.1814     762.6226     759.8964
  105       764.7031     762.3823     759.8869     757.2187     754.3793
  106       759.5686     757.1437     754.5405     751.7607     748.8058
  107       754.3859     751.8549     749.1419     746.2482     743.1754
  108       749.1546     746.5155     743.6903     740.6805     737.4876
 
  109       743.5051     740.7486     737.8018     734.6662     731.3434
  110       737.8027     734.9263     731.8556     728.5918     725.1365
  111       732.0469     729.0483     725.8511     722.4567     718.8663
  112       726.2371     723.1140     719.7879     716.2602     712.5321
  113       720.3728     717.1228     713.6653     710.0017     706.1331
  114       714.4535     711.0741     707.4828     703.6807     699.6689
  115       708.4788     704.9675     701.2397     697.2964     693.1387
  116       702.4480     698.8024     694.9355     690.8483     686.5418
  117       696.3607     692.5782     688.5696     684.3358     679.8776
  118       690.2163     686.2944     682.1413     677.7581     673.1453
  119       684.0143     679.9503     675.6501     671.1146     666.3444
  120       677.7542     673.5454     669.0954     664.4047     659.4740
 
  121       671.0552     666.6916     662.0813     657.2250     652.1233
  122       664.2934     659.7720     654.9986     649.9736     644.6975
  123       657.4682     652.7861     647.8465     642.6496     637.1959
  124       650.5791     645.7333     640.6243     635.2524     629.6178
  125       643.6253     638.6129     633.3315     627.7812     621.9623
  126       636.6063     631.4242     625.9672     620.2354     614.2286
  127       629.5216     624.1667     618.5309     612.6140     606.4160
  128       622.3704     616.8396     611.0217     604.9165     598.5237
  129       615.1522     609.4423     603.4390     597.1419     590.5507
  130       607.8663     601.9741     595.7821     589.2897     582.4964
  131       600.5121     594.4343     588.0501     581.3589     574.3599
  132       593.0890     586.8223     580.2425     573.3488     566.1403
 
  133       585.2046     578.7381     571.9514     564.8439     557.4143
  134       577.2464     570.5764     563.5792     556.2539     548.5992
  135       569.2136     562.3364     555.1250     547.5780     539.6942
  136       561.1054     554.0175     546.5880     538.8154     530.6982
  137       552.9212     545.6189     537.9674     529.9651     521.6104
  138       544.6603     537.1398     529.2624     521.0264     512.4299
  139       536.3220     528.5795     520.4722     511.9983     503.1556
  140       527.9055     519.9371     511.5959     502.8798     493.7866
  141       519.4101     511.2119     502.6327     493.6702     484.3220
  142       510.8350     502.4030     493.5817     484.3685     474.7608
  143       502.1796     493.5098     484.4421     474.9738     465.1020
  144       493.4430     484.5313     475.2130     465.4851     455.3446
 
                                                                Page 34(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
  145       523.9239     516.7902     509.2559     501.3183     492.9744
  146       515.7779     508.4282     500.6699     492.5001     483.9155
  147       507.5640     499.9947     492.0088     483.6029     474.7735
  148       499.2816     491.4892     483.2719     474.6259     465.5477
  149       490.9302     482.9111     474.4585     465.5686     456.2374
  150       482.5092     474.2597     465.5680     456.4301     446.8417
  151       474.0180     465.5344     456.5998     447.2097     437.3599
  152       465.4561     456.7346     447.5530     437.9067     427.7912
  153       456.8229     447.8596     438.4271     428.5204     418.1348
  154       448.1176     438.9088     429.2213     419.0501     408.3898
  155       439.3399     429.8816     419.9350     409.4948     398.5555
  156       430.4890     420.7772     410.5675     399.8540     388.6311
 
  157       421.1889     411.2118     400.7267     389.7276     378.2084
  158       411.8114     401.5647     390.7998     379.5104     367.6901
  159       402.3558     391.8352     380.7860     369.2017     357.0754
  160       392.8213     382.0226     370.6846     358.8006     346.3634
  161       383.2074     372.1261     360.4949     348.3064     335.5532
  162       373.5133     362.1451     350.2160     337.7181     324.6439
  163       363.7385     352.0789     339.8471     327.0350     313.6346
  164       353.8822     341.9267     329.3875     316.2562     302.5244
  165       343.9438     331.6878     318.8364     305.3809     291.3124
  166       333.9226     321.3614     308.1930     294.4081     279.9975
  167       323.8178     310.9468     297.4564     283.3370     268.5790
  168       313.6289     300.4433     286.6259     272.1668     257.0558
 
  169       302.9684     289.4552     275.2976     260.4852     245.0074
  170       292.2191     278.3733     263.8702     248.6989     232.8485
  171       281.3802     267.1967     252.3428     236.8071     220.5782
  172       270.4509     255.9247     240.7146     224.8088     208.1954
  173       259.4306     244.5564     228.9846     212.7029     195.6992
  174       248.3185     233.0910     217.1519     200.4887     183.0883
  175       237.1138     221.5276     205.2157     188.1650     170.3619
  176       225.8157     209.8655     193.1751     175.7309     157.5188
  177       214.4234     198.1038     181.0292     163.1854     144.5580
  178       202.9362     186.2416     168.7769     150.5275     131.4783
  179       191.3533     174.2781     156.4175     137.7562     118.2788
  180       179.6738     162.2123     143.9499     124.8706     104.9583
 
  181       167.4988     149.6369     130.9581     111.4459      91.0835
  182       155.2224     136.9541     117.8526      97.9009      77.0816
  183       142.8436     124.1630     104.6325      84.2346      62.9513
  184       130.3617     111.2626      91.2967      70.4459      48.6914
  185       117.7758      98.2520      77.8442      56.5336      34.3009
  186       105.0850      85.1302      64.2740      42.4967      19.7784
  187        92.2884      71.8964      50.5850      28.3341       5.1228
  188        79.3852      58.5496      36.7763      14.0446       0.0000
  189        66.3744      45.0887      22.8468       0.0000
  190        53.2553      31.5129       8.7953
  191        40.0268      17.8211       0.0000
  192        26.6881       4.0124
 
                                                                Page 35(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
  145       484.2211     475.0555     465.4744     455.4744     445.0524
  146       474.9129     465.4889     455.6404     445.3636     434.6551
  147       465.5173     455.8307     445.7101     435.1517     424.1517
  148       456.0337     446.0799     435.6826     424.8377     413.5411
  149       446.4611     436.2356     425.5568     414.4205     402.8222
  150       436.7988     426.2970     415.3320     403.8991     391.9938
  151       427.0459     416.2632     405.0070     393.2726     381.0549
  152       417.2016     406.1332     394.5809     382.5397     370.0044
  153       407.2650     395.9061     384.0528     371.6996     358.8410
  154       397.2353     385.5810     373.4215     360.7510     347.5637
  155       387.1115     375.1570     362.6862     349.6930     336.1712
  156       376.8928     364.6331     351.8457     338.5243     324.6625
 
  157       366.1629     353.5847     340.4673     326.8041     312.5880
  158       355.3323     342.4305     328.9776     314.9666     300.3903
  159       344.4003     331.1693     317.3753     303.0107     288.0681
  160       333.3657     319.8003     305.6594     290.9353     275.6201
  161       322.2277     308.3222     293.8288     278.7391     263.0450
  162       310.9853     296.7342     281.8823     266.4210     250.3415
  163       299.6375     285.0352     269.8189     253.9797     237.5084
  164       288.1833     273.2240     257.6374     241.4140     224.5442
  165       276.6217     261.2996     245.3365     228.7226     211.4477
  166       264.9517     249.2610     232.9153     215.9043     198.2176
  167       253.1724     237.1070     220.3724     202.9578     184.8523
  168       241.2826     224.8365     207.7067     189.8819     171.3506
 
  169       228.8534     212.0121     194.4722     176.2220     157.2495
  170       216.3077     199.0649     181.1082     162.4255     143.0043
  171       203.6444     185.9935     167.6133     148.4911     128.6138
  172       190.8623     172.7969     153.9863     134.4173     114.0764
  173       177.9605     159.4738     140.2259     120.2028      99.3905
  174       164.9377     146.0231     126.3307     105.8461      84.5548
  175       151.7927     132.4434     112.2994      91.3459      69.5675
  176       138.5246     118.7336      98.1308      76.7007      54.4273
  177       125.1321     104.8925      83.8234      61.9090      39.1326
  178       111.6140      90.9186      69.3760      46.9694      23.6817
  179        97.9692      76.8109      54.7871      31.8804       8.0731
  180        84.1964      62.5679      40.0553      16.6405       0.0000
 
  181        69.8538      47.7391      24.7212       0.7815
  182        55.3768      32.7682       9.2370       0.0000
  183        40.7640      17.6538       0.0000
  184        26.0142       2.3946
  185        11.1262       0.0000
  186         0.0000
  187
  188
  189
  190
  191
  192
 
                                                                Page 35(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
  193        12.8280       0.0000
  194         0.0000
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
  193
  194
 
                                                                Page 36
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
    1       999.7441     999.7581     999.7713     999.7839     999.7959
    2       999.4855     999.5136     999.5402     999.5655     999.5895
    3       999.2242     999.2665     999.3066     999.3446     999.3807
    4       998.9603     999.0167     999.0704     999.1213     999.1696
    5       998.6935     998.7644     998.8316     998.8955     998.9562
    6       998.4240     998.5093     998.5903     998.6673     998.7403
    7       998.1517     998.2515     998.3464     998.4365     998.5220
    8       997.8765     997.9910     998.0998     998.2032     998.3013
    9       997.5985     997.7277     997.8506     997.9672     998.0780
   10       997.3175     997.4617     997.5986     997.7287     997.8523
   11       997.0337     997.1928     997.3439     997.4876     997.6240
   12       996.7469     996.9210     997.0865     997.2438     997.3931
 
   13       996.1369     996.3204     996.4944     996.6595     996.8161
   14       995.5206     995.7133     995.8959     996.0689     996.2325
   15       994.8978     995.0998     995.2909     995.4716     995.6424
   16       994.2686     994.4798     994.6794     994.8678     995.0456
   17       993.6328     993.8532     994.0613     994.2574     994.4421
   18       992.9904     993.2200     993.4364     993.6402     993.8319
   19       992.3413     992.5800     992.8048     993.0161     993.2147
   20       991.6854     991.9332     992.1663     992.3852     992.5906
   21       991.0227     991.2796     991.5209     991.7474     991.9595
   22       990.3531     990.6190     990.8685     991.1024     991.3213
   23       989.6765     989.9514     990.2091     990.4504     990.6760
   24       988.9929     989.2767     989.5425     989.7911     990.0233
 
   25       987.9724     988.2590     988.5269     988.7768     989.0094
   26       986.9412     987.2305     987.5002     987.7512     987.9841
   27       985.8993     986.1911     986.4625     986.7143     986.9472
   28       984.8466     985.1407     985.4135     985.6659     985.8987
   29       983.7829     984.0791     984.3531     984.6060     984.8384
   30       982.7081     983.0062     983.2813     983.5343     983.7661
   31       981.6221     981.9219     982.1978     982.4508     982.6818
   32       980.5247     980.8261     981.1026     981.3554     981.5853
   33       979.4160     979.7186     979.9956     980.2479     980.4765
   34       978.2957     978.5994     978.8765     979.1281     979.3552
   35       977.1638     977.4683     977.7454     977.9960     978.2212
   36       976.0200     976.3252     976.6019     976.8514     977.0745
 
   37       974.5247     974.8240     975.0940     975.3358     975.5504
   38       973.0138     973.3070     973.5698     973.8035     974.0091
   39       971.4871     971.7737     972.0291     972.2543     972.4505
   40       969.9446     970.2243     970.4717     970.6880     970.8743
   41       968.3859     968.6583     968.8974     969.1043     969.2804
   42       966.8111     967.0757     967.3060     967.5032     967.6686
   43       965.2198     965.4763     965.6974     965.8845     966.0387
   44       963.6120     963.8599     964.0714     964.2478     964.3904
   45       961.9874     962.2263     962.4278     962.5931     962.7235
   46       960.3459     960.5754     960.7663     960.9201     961.0379
   47       958.6872     958.9069     959.0869     959.2286     959.3334
   48       957.0114     957.2207     957.3892     957.5184     957.6097
 
                                                                Page 37(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
    1       999.8072     999.8179     999.8281     999.8378     999.8469
    2       999.6122     999.6338     999.6542     999.6736     999.6919
    3       999.4150     999.4475     999.4782     999.5074     999.5351
    4       999.2155     999.2590     999.3002     999.3392     999.3763
    5       999.0137     999.0683     999.1200     999.1690     999.2155
    6       998.8096     998.8753     998.9377     998.9968     999.0528
    7       998.6032     998.6802     998.7532     998.8224     998.8880
    8       998.3944     998.4827     998.5665     998.6460     998.7213
    9       998.1832     998.2830     998.3776     998.4674     998.5525
   10       997.9696     998.0809     998.1865     998.2866     998.3816
   11       997.7535     997.8764     997.9931     998.1037     998.2086
   12       997.5350     997.6696     997.7974     997.9186     998.0335
 
   13       996.9644     997.1049     997.2379     997.3638     997.4829
   14       996.3873     996.5336     996.6719     996.8024     996.9255
   15       995.8036     995.9557     996.0991     996.2341     996.3613
   16       995.2132     995.3710     995.5195     995.6590     995.7901
   17       994.6160     994.7795     994.9330     995.0770     995.2119
   18       994.0120     994.1810     994.3395     994.4879     994.6267
   19       993.4010     993.5756     993.7390     993.8917     994.0342
   20       992.7831     992.9632     993.1314     993.2883     993.4344
   21       992.1581     992.3436     992.5166     992.6776     992.8273
   22       991.5259     991.7167     991.8944     992.0596     992.2127
   23       990.8865     991.0826     991.2649     991.4340     991.5905
   24       990.2397     990.4410     990.6279     990.8009     990.9607
 
   25       989.2255     989.4259     989.6111     989.7818     989.9386
   26       988.1997     988.3989     988.5822     988.7503     988.9040
   27       987.1622     987.3599     987.5411     987.7064     987.8566
   28       986.1127     986.3088     986.4876     986.6499     986.7964
   29       985.0513     985.2454     985.4216     985.5806     985.7231
   30       983.9776     984.1696     984.3430     984.4984     984.6367
   31       982.8917     983.0813     983.2515     983.4031     983.5368
   32       981.7933     981.9803     982.1471     982.2946     982.4235
   33       980.6824     980.8664     981.0296     981.1726     981.2965
   34       979.5587     979.7396     979.8988     980.0372     980.1556
   35       978.4221     978.5995     978.7545     978.8880     979.0007
   36       977.2725     977.4462     977.5967     977.7249     977.8316
 
   37       975.7389     975.9024     976.0417     976.1580     976.2521
   38       974.1878     974.3405     974.4683     974.5722     974.6531
   39       972.6188     972.7604     972.8762     972.9672     973.0345
   40       971.0319     971.1618     971.2651     971.3429     971.3960
   41       969.4268     969.5446     969.6350     969.6989     969.7374
   42       967.8033     967.9086     967.9854     968.0350     968.0583
   43       966.1613     966.2534     966.3163     966.3510     966.3587
   44       964.5004     964.5790     964.6274     964.6467     964.6381
   45       962.8204     962.8850     962.9184     962.9218     962.8964
   46       961.1212     961.1712     961.1891     961.1761     961.1333
   47       959.4026     959.4375     959.4393     959.4092     959.3485
   48       957.6642     957.6835     957.6687     957.6210     957.5417
 
                                                                Page 37(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
   49       954.9681     955.1603     955.3106     955.4204     955.4911
   50       952.9037     953.0781     953.2094     953.2991     953.3486
   51       950.8177     950.9737     951.0855     951.1544     951.1821
   52       948.7099     948.8470     948.9385     948.9861     948.9912
   53       946.5802     946.6976     946.7683     946.7938     946.7756
   54       944.4284     944.5255     944.5746     944.5773     944.5351
   55       942.2541     942.3302     942.3571     942.3363     942.2694
   56       940.0571     940.1117     940.1156     940.0706     939.9782
   57       937.8373     937.8695     937.8498     937.7799     937.6613
   58       935.5944     935.6036     935.5595     935.4639     935.3182
   59       933.3281     933.3135     933.2444     933.1223     932.9489
   60       931.0382     930.9992     930.9041     930.7548     930.5528
 
   61       928.3640     928.2933     928.1650     927.9811     927.7431
   62       925.6621     925.5586     925.3963     925.1767     924.9017
   63       922.9319     922.7949     922.5975     922.3414     922.0284
   64       920.1734     920.0019     919.7684     919.4748     919.1227
   65       917.3861     917.1791     916.9087     916.5766     916.1844
   66       914.5697     914.3264     914.0180     913.6463     913.2130
   67       911.7240     911.4434     911.0960     910.6837     910.2082
   68       908.8487     908.5297     908.1423     907.6883     907.1696
   69       905.9435     905.5851     905.1566     904.6599     904.0968
   70       903.0079     902.6092     902.1386     901.5981     900.9894
   71       900.0418     899.6017     899.0879     898.5024     897.8470
   72       897.0448     896.5622     896.0041     895.3726     894.6694
 
   73       893.6454     893.1125     892.5022     891.8167     891.0576
   74       890.2106     889.6261     888.9624     888.2215     887.4051
   75       886.7400     886.1027     885.3842     884.5866     883.7116
   76       883.2333     882.5418     881.7673     880.9116     879.9766
   77       879.6900     878.9432     878.1112     877.1960     876.1995
   78       876.1098     875.3062     874.4155     873.4394     872.3799
   79       872.4924     871.6307     870.6797     869.6413     868.5174
   80       868.8372     867.9161     866.9034     865.8012     864.6114
   81       865.1440     864.1620     863.0863     861.9188     860.6614
   82       861.4123     860.3680     859.2278     857.9935     856.6670
   83       857.6417     856.5338     855.3275     854.0249     852.6277
   84       853.8319     852.6588     851.3849     850.0124     848.5430
 
   85       849.6000     848.3533     847.0034     845.5523     844.0019
   86       845.3241     844.0021     842.5744     841.0431     839.4098
   87       841.0036     839.6047     838.0975     836.4840     834.7661
   88       836.6382     835.1605     833.5720     831.8746     830.0701
   89       832.2272     830.6691     828.9975     827.2143     825.3212
   90       827.7703     826.1300     824.3735     822.5025     820.5190
   91       823.2670     821.5427     819.6993     817.7387     815.6627
   92       818.7168     816.9066     814.9745     812.9223     810.7518
   93       814.1192     812.2213     810.1986     808.0527     805.7856
   94       809.4736     807.4862     805.3708     803.1294     800.7636
   95       804.7797     802.7008     800.4908     798.1517     795.6850
   96       800.0369     797.8645     795.5580     793.1190     790.5494
 
                                                                Page 38(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
   49       955.5240     955.5206     955.4821     955.4098     955.3048
   50       953.3593     953.3325     953.2696     953.1719     953.0404
   51       951.1698     951.1189     951.0309     950.9069     950.7482
   52       948.9551     948.8795     948.7655     948.6145     948.4278
   53       946.7151     946.6139     946.4732     946.2944     946.0789
   54       944.4495     944.3219     944.1537     943.9463     943.7011
   55       942.1579     942.0031     941.8067     941.5699     941.2941
   56       939.8400     939.6573     939.4318     939.1647     938.8575
   57       937.4955     937.2842     937.0287     936.7305     936.3909
   58       935.1242     934.8833     934.5970     934.2668     933.8940
   59       932.7257     932.4545     932.1365     931.7734     931.3664
   60       930.2998     929.9973     929.6468     929.2498     928.8078
 
   61       927.4526     927.1113     926.7207     926.2823     925.7975
   62       924.5728     924.1917     923.7599     923.2789     922.7502
   63       921.6600     921.2380     920.7639     920.2392     919.6655
   64       918.7139     918.2499     917.7324     917.1628     916.5428
   65       915.7340     915.2269     914.6648     914.0493     913.3818
   66       912.7199     912.1686     911.5608     910.8981     910.1819
   67       909.6713     909.0747     908.4200     907.7088     906.9426
   68       906.5878     905.9446     905.2418     904.4810     903.6636
   69       903.4689     902.7781     902.0260     901.2142     900.3442
   70       900.3143     899.5746     898.7719     897.9079     896.9841
   71       897.1236     896.3337     895.4792     894.5616     893.5826
   72       893.8963     893.0550     892.1474     891.1750     890.1394
 
   73       890.2268     889.3260     888.3570     887.3215     886.2210
   74       886.5152     885.5535     884.5217     883.4214     882.2544
   75       882.7612     881.7370     880.6408     879.4743     878.2391
   76       878.9641     877.8759     876.7138     875.4794     874.1744
   77       875.1235     873.9698     872.7402     871.4363     870.0598
   78       871.2389     870.0181     868.7194     867.3443     865.8946
   79       867.3098     866.0204     864.6508     863.2029     861.6782
   80       863.3357     861.9759     860.5340     859.0114     857.4100
   81       859.3160     857.8843     856.3682     854.7693     853.0893
   82       855.2503     853.7450     852.1530     850.4759     848.7155
   83       851.1380     849.5574     847.8877     846.1307     844.2879
   84       846.9785     845.3209     843.5718     841.7329     839.8059
 
   85       842.3541     840.6105     838.7731     836.8434     834.8231
   86       837.6766     835.8452     833.9174     831.8947     829.7789
   87       832.9456     831.0243     829.0040     826.8863     824.6728
   88       828.1604     826.1472     824.0323     821.8173     819.5040
   89       823.3203     821.2131     819.0015     816.6871     814.2715
   90       818.4247     816.2215     813.9111     811.4949     808.9748
   91       813.4731     811.1717     808.7601     806.2400     803.6130
   92       808.4647     806.0629     803.5480     800.9216     798.1852
   93       803.3990     800.8946     798.2740     795.5389     792.6908
   94       798.2752     795.6659     792.9374     790.0912     787.1288
   95       793.0927     790.3763     787.5374     784.5776     781.4984
   96       787.8508     785.0249     782.0733     778.9974     775.7989
 
                                                                Page 38(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
   97       794.8509     792.5759     790.1635     787.6154     784.9333
   98       789.6109     787.2312     784.7106     782.0510     779.2541
   99       784.3164     781.8296     779.1986     776.4252     773.5109
  100       778.9666     776.3706     773.6269     770.7373     767.7032
  101       773.5611     770.8537     767.9949     764.9865     761.8301
  102       768.0994     765.2781     762.3018     759.1723     755.8910
  103       762.5807     759.6432     756.5471     753.2938     749.8850
  104       757.0046     753.9486     750.7300     747.3505     743.8115
  105       751.3703     748.1934     744.8499     741.3415     737.6696
  106       745.6774     742.3770     738.9061     735.2662     731.4587
  107       739.9252     736.4989     732.8979     729.1238     725.1778
  108       734.1130     730.5583     726.8247     722.9136     718.8263
 
  109       727.8347     724.1415     720.2652     716.2070     711.9681
  110       721.4910     717.6567     713.6347     709.4263     705.0327
  111       715.0813     711.1029     706.9323     702.5708     698.0193
  112       708.6048     704.4795     700.1574     695.6395     690.9270
  113       702.0608     697.7857     693.3090     688.6318     683.7549
  114       695.4486     691.0208     686.3865     681.5466     676.5021
  115       688.7676     684.1840     679.3889     674.3832     669.1677
  116       682.0169     677.2746     672.3156     667.1408     661.7508
  117       675.1960     670.2917     665.1656     659.8183     654.2505
  118       668.3040     663.2347     657.9382     652.4150     646.6658
  119       661.3402     656.1027     650.6324     644.9300     638.9957
  120       654.3039     648.8949     643.2476     637.3623     631.2394
 
  121       646.7765     641.1852     635.3497     629.2704     622.9475
  122       639.1707     633.3935     627.3662     621.0891     614.5622
  123       631.4856     625.5191     619.2963     612.8175     606.0827
  124       623.7206     617.5610     611.1390     604.4546     597.5077
  125       615.8746     609.5183     602.8932     595.9993     588.8363
  126       607.9469     601.3902     594.5582     587.4507     580.0673
  127       599.9366     593.1757     586.1328     578.8077     571.1997
  128       591.8429     584.8739     577.6162     570.0692     562.2323
  129       583.6649     576.4840     569.0073     561.2343     553.1641
  130       575.4017     568.0049     560.3052     552.3018     543.9938
  131       567.0524     559.4357     551.5087     543.2707     534.7203
  132       558.6162     550.7754     542.6170     534.1398     525.3425
 
  133       549.6617     541.5850     533.1830     524.4543     515.3975
  134       540.6140     532.2970     523.6468     514.6618     505.3405
  135       531.4721     522.9103     514.0072     504.7612     495.1704
  136       522.2349     513.4238     504.2632     494.7512     484.8859
  137       512.9015     503.8366     494.4137     484.6308     474.4857
  138       503.4709     494.1475     484.4574     474.3986     463.9684
  139       493.9420     484.3554     474.3933     464.0534     453.3329
  140       484.3139     474.4593     464.2202     453.5940     442.5777
  141       474.5855     464.4581     453.9369     443.0191     431.7015
  142       464.7558     454.3506     443.5421     432.3274     420.7030
  143       454.8236     444.1357     433.0348     421.5177     409.5807
  144       444.7880     433.8122     422.4136     410.5886     398.3333
 
                                                                Page 39(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
   97       782.1189     779.1739     776.0998     772.8980     769.5701
   98       776.3214     773.2547     770.0553     766.7249     763.2647
   99       770.4575     767.2664     763.9391     760.4772     756.8819
  100       764.5263     761.2082     757.7503     754.1540     750.4206
  101       758.5272     755.0794     751.4880     747.7543     743.8799
  102       752.4594     748.8790     745.1513     741.2774     737.2587
  103       746.3220     742.6064     738.7393     734.7222     730.5562
  104       740.1143     736.2605     732.2512     728.0878     723.7713
  105       733.8355     729.8406     725.6861     721.3732     716.9030
  106       727.4848     723.3458     719.0430     714.5775     709.9503
  107       721.0612     716.7752     712.3210     707.6997     702.9122
  108       714.5641     710.1280     705.5192     700.7387     695.7875
 
  109       707.5497     702.9530     698.1788     693.2283     688.1023
  110       700.4550     695.6942     690.7513     685.6271     680.3226
  111       693.2790     688.3507     683.2355     677.9341     672.4473
  112       686.0207     680.9216     675.6305     670.1481     664.4752
  113       678.6793     673.4058     667.9352     662.2681     656.4052
  114       671.2537     665.8023     660.1485     654.2928     648.2359
  115       663.7431     658.1101     652.2693     646.2212     639.9662
  116       656.1464     650.3282     644.2966     638.0520     631.5949
  117       648.4627     642.4554     636.2291     629.7841     623.1206
  118       640.6909     634.4909     628.0659     621.4163     614.5422
  119       632.8301     626.4334     619.8058     612.9474     605.8584
  120       624.8792     618.2819     611.4475     604.3762     597.0678
 
  121       616.3811     609.5715     602.5185     595.2221     587.6821
  122       607.7857     600.7595     593.4834     585.9573     578.1810
  123       599.0918     591.8446     584.3410     576.5807     568.5631
  124       590.2982     582.8258     575.0901     567.0907     558.8269
  125       581.4039     573.7017     565.7293     557.4860     548.9711
  126       572.4077     564.4713     556.2574     547.7653     538.9942
  127       563.3084     555.1331     546.6729     537.9271     528.8946
  128       554.1048     545.6859     536.9747     527.9701     518.6709
  129       544.7958     536.1286     527.1613     517.8927     508.3215
  130       535.3801     526.4597     517.2313     507.6935     497.8449
  131       525.8566     516.6781     507.1835     497.3712     487.2395
  132       516.2239     506.7823     497.0163     486.9241     476.5038
 
  133       506.0110     496.2934     486.2427     475.8570     465.1344
  134       495.6812     485.6821     475.3411     464.6562     453.6252
  135       485.2330     474.9469     464.3101     453.3201     441.9746
  136       474.6651     464.0866     453.1481     441.8470     430.1807
  137       463.9761     453.0995     441.8535     430.2353     418.2419
  138       453.1646     441.9843     430.4248     418.4832     406.1563
  139       442.2292     430.7394     418.8605     406.5892     393.9222
  140       431.1685     419.3633     407.1587     394.5514     381.5377
  141       419.9811     407.8545     395.3181     382.3682     369.0010
  142       408.6655     396.2114     383.3368     370.0378     356.3102
  143       397.2203     384.4324     371.2132     357.5583     343.4634
  144       385.6439     372.5161     358.9457     344.9281     330.4587
 
                                                                Page 39(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
  145       434.2047     422.9278     411.2180     399.0713     386.4837
  146       423.5111     411.9278     399.9011     387.4269     374.5008
  147       412.7062     400.8109     388.4616     375.6539     362.3831
  148       401.7886     389.5759     376.8982     363.7509     350.1291
  149       390.7574     378.2214     365.2095     351.7165     337.7372
  150       379.6112     366.7464     353.3942     339.5492     325.2059
  151       368.3490     355.1494     341.4508     327.2475     312.5336
  152       356.9694     343.4293     329.3781     314.8101     299.7188
  153       345.4713     331.5845     317.1746     302.2352     286.7598
  154       333.8534     319.6140     304.8389     289.5216     273.6550
  155       322.1145     307.5162     292.3696     276.6675     260.4028
  156       310.2533     295.2899     279.7652     263.6716     247.0015
 
  157       297.8121     282.4689     266.5510     250.0506     232.9595
  158       285.2413     269.5117     253.1938     236.2792     218.7595
  159       272.5395     256.4168     239.6918     222.3558     204.3998
  160       259.7054     243.1828     226.0435     208.2786     189.8785
  161       246.7376     229.8082     212.2474     194.0459     175.1939
  162       233.6348     216.2914     198.3019     179.6562     160.3441
  163       220.3954     202.6311     184.2052     165.1075     145.3272
  164       207.0182     188.8256     169.9559     150.3982     130.1413
  165       193.5016     174.8734     155.5521     135.5265     114.7847
  166       179.8442     160.7729     140.9924     120.4906      99.2552
  167       166.0445     146.5227     126.2749     105.2886      83.5511
  168       152.1011     132.1211     111.3979      89.9188      67.6703
 
  169       137.5422     117.0876      95.8725      73.8833      51.1062
  170       122.8317     101.8945      80.1789      57.6708      34.3557
  171       107.9680      86.5399      64.3152      41.2792      17.4169
  172        92.9494      71.0222      48.2797      24.7067       0.2874
  173        77.7744      55.3396      32.0705       7.9512       0.0000
  174        62.4414      39.4903      15.6856       0.0000
  175        46.9486      23.4727       0.0000
  176        31.2944       7.2849
  177        15.4771       0.0000
  178         0.0000
 
                                                                Page 40(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
  145       373.4510     359.9687     346.0322     331.6368     316.7773
  146       361.1184     347.2749     332.9654     318.1848     302.9278
  147       348.6445     334.4330     319.7434     304.5703     288.9080
  148       336.0277     321.4413     306.3644     290.7913     274.7159
  149       323.2663     308.2980     292.8265     276.8458     260.3494
  150       310.3586     295.0013     279.1279     262.7317     245.8063
  151       297.3031     281.5496     265.2665     248.4472     231.0844
  152       284.0980     267.9409     251.2406     233.9900     216.1816
  153       270.7416     254.1734     237.0482     219.3581     201.0956
  154       257.2321     240.2454     222.6871     204.5495     185.8241
  155       243.5678     226.1548     208.1556     189.5619     170.3649
  156       229.7470     211.8998     193.4515     174.3932     154.7158
 
  157       215.2694     196.9717     178.0575     158.5174     138.3419
  158       200.6260     181.8695     162.4807     142.4498     121.7668
  159       185.8147     166.5911     146.7189     126.1881     104.9880
  160       170.8338     151.1344     130.7700     109.7298      88.0029
  161       155.6812     135.4974     114.6316      93.0727      70.8091
  162       140.3550     119.6779      98.3016      76.2143      53.4039
  163       124.8531     103.6739      81.7777      59.1522      35.7848
  164       109.1737      87.4832      65.0576      41.8840      17.9491
  165        93.3146      71.1036      48.1389      24.4071       0.0000
  166        77.2737      54.5329      31.0193       6.7190
  167        61.0491      37.7689      13.6965       0.0000
  168        44.6385      20.8093       0.0000
 
  169        27.5266       3.1298
  170        10.2187       0.0000
  171         0.0000
  172
  173
  174
  175
  176
  177
  178
 
                                                                Page 40(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     15.00        15.25        15.50        15.75        16.00
 
    1       999.8556     999.8637     999.8715     999.8788     999.8858
    2       999.7093     999.7258     999.7413     999.7561     999.7700
    3       999.5612     999.5860     999.6095     999.6317     999.6527
    4       999.4113     999.4445     999.4759     999.5057     999.5338
    5       999.2595     999.3012     999.3407     999.3780     999.4134
    6       999.1058     999.1561     999.2037     999.2487     999.2913
    7       998.9502     999.0091     999.0649     999.1177     999.1676
    8       998.7926     998.8603     998.9243     998.9849     999.0423
    9       998.6331     998.7095     998.7819     998.8504     998.9153
   10       998.4716     998.5569     998.6377     998.7142     998.7866
   11       998.3080     998.4023     998.4916     998.5761     998.6562
   12       998.1424     998.2457     998.3436     998.4363     998.5240
 
   13       997.5955     997.7018     997.8023     997.8972     997.9867
   14       997.0416     997.1510     997.2541     997.3510     997.4422
   15       996.4809     996.5932     996.6987     996.7977     996.8904
   16       995.9131     996.0284     996.1362     996.2371     996.3313
   17       995.3382     995.4563     995.5665     995.6692     995.7647
   18       994.7562     994.8770     994.9894     995.0938     995.1906
   19       994.1669     994.2903     994.4048     994.5108     994.6088
   20       993.5702     993.6961     993.8126     993.9202     994.0192
   21       992.9660     993.0944     993.2129     993.3219     993.4218
   22       992.3544     992.4851     992.6053     992.7157     992.8165
   23       991.7350     991.8680     991.9900     992.1015     992.2030
   24       991.1079     991.2430     991.3667     991.4793     991.5814
 
   25       990.0823     990.2133     990.3322     990.4396     990.5359
   26       989.0438     989.1704     989.2844     989.3862     989.4766
   27       987.9924     988.1143     988.2230     988.3191     988.4031
   28       986.9278     987.0448     987.1479     987.2379     987.3152
   29       985.8499     985.9616     986.0590     986.1425     986.2129
   30       984.7586     984.8647     984.9559     985.0328     985.0959
   31       983.6535     983.7539     983.8387     983.9085     983.9640
   32       982.5347     982.6290     982.7070     982.7694     982.8170
   33       981.4019     981.4897     981.5606     981.6154     981.6547
   34       980.2550     980.3360     980.3995     980.4462     980.4769
   35       979.0937     979.1676     979.2234     979.2617     979.2834
   36       977.9179     977.9844     978.0321     978.0617     978.0740
 
   37       976.3249     976.3773     976.4102     976.4243     976.4204
   38       974.7120     974.7498     974.7673     974.7654     974.7448
   39       973.0790     973.1016     973.1033     973.0847     973.0469
   40       971.4256     971.4325     971.4177     971.3820     971.3263
   41       969.7515     969.7422     969.7104     969.6570     969.5828
   42       968.0565     968.0304     967.9810     967.9093     967.8161
   43       966.3402     966.2968     966.2293     966.1386     966.0258
   44       964.6026     964.5412     964.4549     964.3448     964.2116
   45       962.8432     962.7633     962.6577     962.5273     962.3732
   46       961.0618     960.9628     960.8372     960.6860     960.5103
   47       959.2582     959.1394     958.9932     958.8206     958.6226
   48       957.4320     957.2928     957.1254     956.9307     956.7097
 
                                                                Page 41(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     16.25        16.50        16.75        17.00        17.25
 
    1       999.8923     999.8985     999.9044     999.9099     999.9151
    2       999.7832     999.7956     999.8074     999.8186     999.8291
    3       999.6726     999.6914     999.7091     999.7259     999.7418
    4       999.5605     999.5856     999.6094     999.6319     999.6532
    5       999.4468     999.4784     999.5084     999.5366     999.5633
    6       999.3317     999.3698     999.4059     999.4400     999.4722
    7       999.2149     999.2597     999.3020     999.3419     999.3798
    8       999.0966     999.1480     999.1966     999.2425     999.2860
    9       998.9767     999.0348     999.0898     999.1417     999.1909
   10       998.8552     998.9200     998.9814     999.0395     999.0944
   11       998.7320     998.8037     998.8716     998.9358     998.9965
   12       998.6071     998.6858     998.7602     998.8306     998.8972
 
   13       998.0711     998.1507     998.2257     998.2963     998.3627
   14       997.5278     997.6082     997.6837     997.7543     997.8205
   15       996.9772     997.0583     997.1341     997.2047     997.2705
   16       996.4191     996.5008     996.5768     996.6473     996.7126
   17       995.8534     995.9357     996.0118     996.0821     996.1467
   18       995.2801     995.3628     995.4389     995.5088     995.5727
   19       994.6991     994.7820     994.8580     994.9274     994.9904
   20       994.1101     994.1932     994.2690     994.3377     994.3997
   21       993.5132     993.5964     993.6717     993.7397     993.8006
   22       992.9082     992.9913     993.0662     993.1332     993.1928
   23       992.2950     992.3779     992.4521     992.5182     992.5763
   24       991.6735     991.7561     991.8296     991.8944     991.9509
 
   25       990.6218     990.6977     990.7640     990.8212     990.8698
   26       989.5559     989.6247     989.6836     989.7329     989.7731
   27       988.4755     988.5370     988.5881     988.6291     988.6606
   28       987.3806     987.4344     987.4773     987.5097     987.5321
   29       986.2707     986.3166     986.3510     986.3744     986.3874
   30       985.1459     985.1834     985.2089     985.2231     985.2263
   31       984.0058     984.0346     984.0510     984.0554     984.0484
   32       982.8503     982.8701     982.8768     982.8712     982.8537
   33       981.6792     981.6895     981.6863     981.6702     981.6417
   34       980.4921     980.4927     980.4792     980.4522     980.4124
   35       979.2890     979.2794     979.2552     979.2170     979.1653
   36       978.0697     978.0495     978.0141     977.9642     977.9004
 
   37       976.3993     976.3618     976.3084     976.2400     976.1570
   38       974.7064     974.6509     974.5789     974.4913     974.3886
   39       972.9905     972.9164     972.8253     972.7178     972.5948
   40       971.2515     971.1581     971.0472     970.9193     970.7751
   41       969.4888     969.3757     969.2442     969.0952     968.9293
   42       967.7023     967.5687     967.4161     967.2453     967.0570
   43       965.8916     965.7369     965.5625     965.3692     965.1578
   44       964.0564     963.8799     963.6830     963.4666     963.2313
   45       962.1963     961.9974     961.7773     961.5369     961.2770
   46       960.3110     960.0889     959.8450     959.5800     959.2947
   47       958.4002     958.1543     957.8857     957.5953     957.2839
   48       956.4635     956.1930     955.8990     955.5825     955.2442
 
                                                                Page 41(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     15.00        15.25        15.50        15.75        16.00
 
   49       955.1684     955.0017     954.8058     954.5817     954.3305
   50       952.8766     952.6815     952.4562     952.2019     951.9196
   51       950.5561     950.3318     950.0763     949.7909     949.4765
   52       948.2067     947.9522     947.6657     947.3482     947.0008
   53       945.8278     945.5424     945.2239     944.8735     944.4921
   54       943.4192     943.1020     942.7506     942.3662     941.9500
   55       940.9805     940.6306     940.2454     939.8261     939.3740
   56       938.5114     938.1277     937.7078     937.2527     936.7636
   57       936.0113     935.5931     935.1374     934.6454     934.1184
   58       933.4800     933.0262     932.5338     932.0040     931.4380
   59       930.9171     930.4267     929.8965     929.3278     928.7218
   60       928.3222     927.7942     927.2253     926.6166     925.9694
 
   61       925.2678     924.6945     924.0790     923.4225     922.7262
   62       922.1753     921.5555     920.8921     920.1865     919.4398
   63       919.0441     918.3765     917.6640     916.9080     916.1096
   64       915.8738     915.1571     914.3942     913.5864     912.7350
   65       912.6638     911.8969     911.0822     910.2213     909.3153
   66       909.4138     908.5952     907.7275     906.8120     905.8501
   67       906.1231     905.2515     904.3294     903.3580     902.3387
   68       902.7912     901.8653     900.8873     899.8586     898.7805
   69       899.4177     898.4361     897.4009     896.3133     895.1748
   70       896.0021     894.9634     893.8694     892.7215     891.5210
   71       892.5438     891.4465     890.2923     889.0825     887.8186
   72       889.0422     887.8849     886.6690     885.3958     884.0667
 
   73       885.0571     883.8313     882.5451     881.2000     879.7972
   74       881.0222     879.7262     878.3681     876.9491     875.4707
   75       876.9368     875.5690     874.1370     872.6424     871.0866
   76       872.8004     871.3589     869.8514     868.2793     866.6439
   77       868.6123     867.0953     865.5103     863.8588     862.1421
   78       864.3718     862.7775     861.1132     859.3803     857.5802
   79       860.0784     858.4049     856.6593     854.8431     852.9575
   80       855.7312     853.9767     852.1479     850.2463     848.2732
   81       851.3297     849.4922     847.5782     845.5891     843.5264
   82       846.8732     844.9507     842.9495     840.8709     838.7163
   83       842.3610     840.3515     838.2609     836.0907     833.8421
   84       837.7924     835.6939     833.5119     831.2477     828.9029
 
   85       832.7137     830.5170     828.2341     825.8667     823.4161
   86       827.5716     825.2742     822.8883     820.4151     817.8562
   87       822.3652     819.9649     817.4733     814.8920     812.2221
   88       817.0937     814.5880     811.9884     809.2963     806.5129
   89       811.7563     809.1429     806.4327     803.6272     800.7276
   90       806.3522     803.6285     800.8052     797.8837     794.8652
   91       800.8805     798.0441     795.1050     792.0648     788.9245
   92       795.3404     792.3887     789.3312     786.1695     782.9047
   93       789.7311     786.6614     783.4829     780.1969     776.8046
   94       784.0517     780.8613     777.5589     774.1458     770.6232
   95       778.3013     774.9875     771.5585     768.0154     764.3594
   96       772.4790     769.0391     765.4805     761.8045     758.0120
 
                                                                Page 42(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     16.25        16.50        16.75        17.00        17.25
 
   49       954.0532     953.7507     953.4239     953.0738     952.7011
   50       951.6102     951.2748     950.9143     950.5296     950.1215
   51       949.1341     948.7649     948.3696     947.9493     947.5048
   52       946.6245     946.2204     945.7894     945.3325     944.8505
   53       944.0809     943.6410     943.1732     942.6786     942.1580
   54       941.5029     941.0261     940.5205     939.9871     939.4268
   55       938.8900     938.3752     937.8307     937.2575     936.6564
   56       936.2416     935.6879     935.1034     934.4892     933.8461
   57       933.5575     932.9637     932.3381     931.6817     930.9955
   58       930.8369     930.2020     929.5341     928.8344     928.1038
   59       928.0795     927.4023     926.6910     925.9468     925.1706
   60       925.2848     924.5641     923.8082     923.0183     922.1953
 
   61       921.9914     921.2192     920.4106     919.5669     918.6889
   62       918.6534     917.8283     916.9657     916.0666     915.1321
   63       915.2701     914.3908     913.4726     912.5167     911.5242
   64       911.8411     910.9060     909.9308     908.9166     907.8644
   65       908.3656     907.3733     906.3395     905.2654     904.1520
   66       904.8430     903.7920     902.6981     901.5625     900.3863
   67       901.2728     900.1615     899.0059     897.8071     896.5664
   68       897.6542     896.4810     895.2621     893.9986     892.6916
   69       893.9866     892.7500     891.4661     890.1361     888.7611
   70       890.2693     888.9676     887.6171     886.2189     884.7741
   71       886.5017     885.1333     883.7143     882.2461     880.7298
   72       882.6831     881.2462     879.7571     878.2172     876.6273
 
   73       878.3381     876.8239     875.2559     873.6353     871.9630
   74       873.9342     872.3409     870.6919     868.9884     867.2317
   75       869.4707     867.7961     866.0641     864.2758     862.4323
   76       864.9467     863.1890     861.3718     859.4964     857.5639
   77       860.3615     858.5184     856.6139     854.6493     852.6256
   78       855.7142     853.7836     851.7897     849.7335     847.6163
   79       851.0040     848.9838     846.8981     844.7481     842.5349
   80       846.2300     844.1179     841.9382     839.6921     837.3805
   81       841.3913     839.1851     836.9091     834.5644     832.1520
   82       836.4871     834.1845     831.8098     829.3641     826.8484
   83       831.5165     829.1152     826.6393     824.0901     821.4685
   84       826.4786     823.9761     821.3967     818.7414     816.0113
 
   85       820.8835     818.2702     815.5774     812.8062     809.9577
   86       815.2127     812.4859     809.6769     806.7870     803.8170
   87       809.4650     806.6220     803.6941     800.6824     797.5881
   88       803.6396     800.6775     797.6277     794.4914     791.2696
   89       797.7352     794.6512     791.4767     788.2127     784.8603
   90       791.7509     788.5421     785.2398     781.8450     778.3589
   91       785.6856     782.3490     778.9158     775.3872     771.7640
   92       779.5381     776.0707     772.5036     768.8378     765.0743
   93       773.3073     769.7061     766.0019     762.1957     758.2884
   94       766.9922     763.2540     759.4094     755.4594     751.4050
   95       760.5916     756.7131     752.7249     748.6278     744.4227
   96       754.1043     750.0824     745.9471     741.6993     737.3399
 
                                                                Page 42(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     15.00        15.25        15.50        15.75        16.00
 
   97       766.1174     762.5412     758.8428     755.0233     751.0839
   98       759.6762     755.9607     752.1193     748.1531     744.0633
   99       753.1546     749.2965     745.3089     741.1928     736.9492
  100       746.5514     742.5477     738.4106     734.1411     729.7402
  101       739.8657     735.7131     731.4231     726.9968     722.4351
  102       733.0965     728.7917     724.3455     719.7588     715.0326
  103       726.2426     721.7823     717.1764     712.4258     707.5314
  104       719.3030     714.6838     709.9147     704.9965     699.9302
  105       712.2767     707.4951     702.5592     697.4697     692.2276
  106       705.1625     700.2150     695.1087     689.8442     684.4223
  107       697.9595     692.8425     687.5619     682.1185     676.5130
  108       690.6664     685.3762     679.9177     674.2915     668.4982
 
  109       682.8016     677.3269     671.6790     665.8583     659.8654
  110       674.8385     669.1753     663.3338     657.3145     651.1176
  111       666.7758     660.9202     654.8809     648.6585     642.2532
  112       658.6124     652.5601     646.3188     639.8889     633.2705
  113       650.3469     644.0938     637.6461     631.0041     624.1681
  114       641.9781     635.5199     628.8614     622.0028     614.9443
  115       633.5047     626.8370     619.9632     612.8834     605.5975
  116       624.9254     618.0438     610.9501     603.6442     596.1261
  117       616.2388     609.1388     601.8205     594.2838     586.5284
  118       607.4437     600.1207     592.5730     584.8005     576.8028
  119       598.5386     590.9879     583.2061     575.1928     566.9475
  120       589.5222     581.7392     573.7182     565.4589     556.9607
 
  121       579.8982     571.8700     563.5971     555.0788     546.3145
  122       570.1539     561.8755     553.3453     544.5625     535.5263
  123       560.2877     551.7539     542.9611     533.9081     524.5942
  124       550.2982     541.5038     532.4427     523.1139     513.5164
  125       540.1839     531.1233     521.7885     512.1781     502.2908
  126       529.9431     520.6110     510.9966     501.0986     490.9157
  127       519.5743     509.9650     500.0654     489.8738     479.3888
  128       509.0759     499.1838     488.9929     478.5017     467.7082
  129       498.4463     488.2655     477.7775     466.9803     455.8719
  130       487.6838     477.2085     466.4171     455.3076     443.8778
  131       476.7868     466.0110     454.9101     443.4818     431.7238
  132       465.7536     454.6712     443.2544     431.5007     419.4077
 
  133       454.0726     442.6694     430.9222     418.8284     406.3852
  134       442.2457     430.5151     418.4307     405.9897     393.1891
  135       430.2709     418.2063     405.7779     392.9825     379.8170
  136       418.1464     405.7411     392.9616     379.8046     366.2667
  137       405.8704     393.1175     379.9798     366.4538     352.5356
  138       393.4409     380.3334     366.8303     352.9277     338.6215
  139       380.8560     367.3869     353.5110     339.2241     324.5219
  140       368.1139     354.2759     340.0196     325.3406     310.2343
  141       355.2124     340.9982     326.3539     311.2749     295.7562
  142       342.1497     327.5518     312.5118     297.0245     281.0850
  143       328.9237     313.9346     298.4908     282.5872     266.2182
  144       315.5324     300.1442     284.2888     267.9604     251.1532
 
                                                                Page 43(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     16.25        16.50        16.75        17.00        17.25
 
   97       747.0256     742.8493     738.5561     734.1467     729.6219
   98       739.8510     735.5169     731.0620     726.4871     721.7929
   99       732.5792     728.0836     723.4633     718.7190     713.8514
  100       725.2089     720.5481     715.7585     710.8408     705.7956
  101       717.7389     712.9090     707.9461     702.8510     697.6241
  102       710.1677     705.1649     700.0248     694.7480     689.3352
  103       702.4940     697.3142     691.9928     686.5303     680.9271
  104       694.7163     689.3557     683.8487     678.1961     672.3981
  105       686.8334     681.2877     675.5910     669.7438     663.7465
  106       678.8436     673.1087     667.2180     661.1718     654.9705
  107       670.7457     664.8173     658.7281     652.4784     646.0684
  108       662.5382     656.4119     650.1197     643.6618     637.0383
 
  109       653.7007     647.3646     640.8571     634.1785     627.3289
  110       644.7436     638.1928     631.4652     624.5609     617.4799
  111       635.6652     628.8949     621.9422     614.8070     607.4894
  112       626.4639     619.4691     612.2862     604.9150     597.3552
  113       617.1380     609.9138     602.4955     594.8828     587.0753
  114       607.6857     600.2271     592.5681     584.7084     576.6477
  115       598.1055     590.4072     582.5021     574.3900     566.0702
  116       588.3956     580.4522     572.2957     563.9253     555.3406
  117       578.5541     570.3604     561.9467     553.3124     544.4568
  118       568.5794     560.1298     551.4533     542.5492     533.4165
  119       558.4696     549.7586     540.8135     531.6335     522.2176
  120       548.2229     539.2447     530.0251     520.5631     510.8576
 
  121       537.3032     528.0441     518.5360     508.7779     498.7683
  122       526.2356     516.6895     506.8866     496.8257     486.5053
  123       515.0181     505.1787     495.0745     484.7042     474.0660
  124       503.6488     493.5097     483.0976     472.4109     461.4478
  125       492.1254     481.6802     470.9535     459.9435     448.6483
  126       480.4460     469.6881     458.6399     447.2995     435.6648
  127       468.6085     457.5311     446.1544     434.4764     422.4946
  128       456.6107     445.2069     433.4946     421.4716     409.1351
  129       444.4503     432.7132     420.6582     408.2825     395.5836
  130       432.1254     420.0478     407.6425     394.9067     381.8373
  131       419.6335     407.2082     394.4452     381.3413     367.8934
  132       406.9724     394.1921     381.0636     367.5837     353.7490
 
  133       393.5896     380.4386     366.9287     353.0565     338.8183
  134       380.0256     366.4959     352.5964     338.3234     323.6730
  135       366.2779     352.3615     338.0641     323.3817     308.3100
  136       352.3440     338.0328     323.3290     308.2282     292.7261
  137       338.2215     323.5071     308.3882     292.8601     276.9182
  138       323.9077     308.7816     293.2388     277.2743     260.8831
  139       309.4000     293.8537     277.8779     261.4677     244.6175
  140       294.6959     278.7205     262.3027     245.4371     228.1180
  141       279.7927     263.3792     246.5100     229.1795     211.3814
  142       264.6877     247.8270     230.4969     212.6915     194.4042
  143       249.3781     232.0609     214.2603     195.9699     177.1829
  144       233.8612     216.0780     197.7971     179.0115     159.7141
 
                                                                Page 43(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     15.00        15.25        15.50        15.75        16.00
 
  145       301.4486     285.6453     269.3615     252.5915     235.3289
  146       287.1888     270.9620     254.2415     237.0209     219.2936
  147       272.7507     256.0922     238.9261     221.2459     203.0445
  148       258.1321     241.0334     223.4130     205.2639     186.5787
  149       243.3308     225.7832     207.6994     189.0721     169.8934
  150       228.3445     210.3393     191.7829     172.6678     152.9857
  151       213.1709     194.6990     175.6608     156.0482     135.8524
  152       197.8076     178.8600     159.3305     139.2104     118.4908
  153       182.2522     162.8197     142.7892     122.1517     100.8976
  154       166.5024     146.5756     126.0343     104.8691      83.0699
  155       150.5558     130.1250     109.0630      87.3596      65.0045
  156       134.4098     113.4654      91.8724      69.6203      46.6982
 
  157       117.5211      96.0446      73.9018      51.0816      27.5727
  158       100.4213      78.4025      55.6991      32.2996       8.1921
  159        83.1078      60.5361      37.2613      13.2711       0.0000
  160        65.5779      42.4427      18.5853       0.0000
  161        47.8288      24.1194       0.0000
  162        29.8579       5.5632
  163        11.6623       0.0000
  164         0.0000
 
                                                                Page 44(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 3.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     16.25        16.50        16.75        17.00        17.25
 
  145       217.5674     199.3003     180.5204     161.2208     141.3937
  146       201.0529     182.2917     163.0026     143.1780     122.8099
  147       184.3148     165.0493     145.2403     124.8796     103.9590
  148       167.3500     147.5698     127.2300     106.3220      84.8371
  149       150.1555     129.8500     108.9684      87.5016      65.4404
  150       132.7282     111.8866      90.4518      68.4144      45.7648
  151       115.0648      93.6761      71.6768      49.0569      25.8063
  152        97.1623      75.2153      52.6397      29.4252       5.5610
  153        79.0173      56.5006      33.3369       9.5153       0.0000
  154        60.6266      37.5285      13.7646       0.0000
  155        41.9869      18.2957       0.0000
  156        23.0948       0.0000
 
  157         3.3630
  158         0.0000
  159
  160
  161
  162
  163
  164
 
                                                                Page 44(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
    1       999.5576     999.5807     999.6026     999.6235     999.6434
    2       999.1115     999.1577     999.2017     999.2437     999.2836
    3       998.6618     998.7312     998.7974     998.8604     998.9205
    4       998.2082     998.3010     998.3894     998.4737     998.5540
    5       997.7509     997.8671     997.9780     998.0836     998.1842
    6       997.2898     997.4296     997.5629     997.6899     997.8110
    7       996.8248     996.9883     997.1442     997.2927     997.4343
    8       996.3560     996.5432     996.7218     996.8920     997.0542
    9       995.8832     996.0943     996.2957     996.4877     996.6707
   10       995.4065     995.6416     995.8659     996.0797     996.2836
   11       994.9259     995.1850     995.4323     995.6681     995.8930
   12       994.4412     994.7246     994.9950     995.2529     995.4987
 
   13       993.6015     993.9017     994.1879     994.4605     994.7200
   14       992.7547     993.0719     993.3737     993.6610     993.9341
   15       991.9010     992.2349     992.5525     992.8543     993.1410
   16       991.0401     991.3908     991.7240     992.0404     992.3406
   17       990.1720     990.5394     990.8883     991.2192     991.5329
   18       989.2967     989.6809     990.0453     990.3907     990.7178
   19       988.4141     988.8149     989.1949     989.5547     989.8952
   20       987.5241     987.9416     988.3371     988.7113     989.0651
   21       986.6267     987.0608     987.4717     987.8603     988.2274
   22       985.7219     986.1725     986.5988     987.0017     987.3819
   23       984.8095     985.2766     985.7183     986.1354     986.5288
   24       983.8895     984.3731     984.8300     985.2613     985.6678
 
   25       982.5967     983.0890     983.5535     983.9911     984.4028
   26       981.2932     981.7940     982.2657     982.7094     983.1261
   27       979.9789     980.4879     980.9667     981.4163     981.8378
   28       978.6535     979.1707     979.6564     980.1117     980.5376
   29       977.3172     977.8422     978.3345     978.7953     979.2256
   30       975.9697     976.5024     977.0012     977.4671     977.9015
   31       974.6109     975.1511     975.6561     976.1271     976.5652
   32       973.2409     973.7883     974.2993     974.7750     975.2167
   33       971.8594     972.4138     972.9306     973.4108     973.8559
   34       970.4664     971.0276     971.5499     972.0344     972.4826
   35       969.0618     969.6296     970.1571     970.6457     971.0967
   36       967.6455     968.2196     968.7522     969.2445     969.6981
 
   37       965.8378     966.4099     966.9392     967.4270     967.8746
   38       964.0149     964.5847     965.1103     965.5931     966.0345
   39       962.1769     962.7440     963.2655     963.7428     964.1774
   40       960.3235     960.8875     961.4045     961.8760     962.3034
   41       958.4547     959.0152     959.5272     959.9924     960.4122
   42       956.5704     957.1268     957.6335     958.0919     958.5036
   43       954.6703     955.2224     955.7232     956.1744     956.5775
   44       952.7544     953.3016     953.7962     954.2397     954.6338
   45       950.8225     951.3645     951.8523     952.2877     952.6723
   46       948.8746     949.4108     949.8914     950.3183     950.6928
   47       946.9104     947.4404     947.9135     948.3311     948.6951
   48       944.9298     945.4532     945.9181     946.3262     946.6791
 
                                                                Page 45(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
    1       999.6624     999.6804     999.6976     999.7139     999.7294
    2       999.3216     999.3578     999.3922     999.4249     999.4560
    3       998.9776     999.0320     999.0838     999.1330     999.1798
    4       998.6304     998.7032     998.7724     998.8382     998.9008
    5       998.2800     998.3712     998.4579     998.5405     998.6189
    6       997.9262     998.0360     998.1404     998.2397     998.3342
    7       997.5692     997.6976     997.8198     997.9360     998.0466
    8       997.2088     997.3559     997.4960     997.6293     997.7560
    9       996.8450     997.0110     997.1690     997.3194     997.4625
   10       996.4778     996.6628     996.8389     997.0065     997.1659
   11       996.1072     996.3112     996.5055     996.6904     996.8664
   12       995.7331     995.9563     996.1689     996.3712     996.5637
 
   13       994.9669     995.2018     995.4252     995.6373     995.8389
   14       994.1936     994.4402     994.6742     994.8962     995.1066
   15       993.4131     993.6712     993.9158     994.1475     994.3669
   16       992.6252     992.8948     993.1501     993.3914     993.6196
   17       991.8300     992.1110     992.3768     992.6278     992.8646
   18       991.0272     991.3197     991.5959     991.8565     992.1020
   19       990.2170     990.5209     990.8075     991.0775     991.3316
   20       989.3992     989.7143     990.0113     990.2907     990.5533
   21       988.5737     988.9001     989.2073     989.4960     989.7671
   22       987.7404     988.0780     988.3954     988.6934     988.9728
   23       986.8994     987.2480     987.5756     987.8828     988.1705
   24       986.0504     986.4101     986.7477     987.0640     987.3599
 
   25       984.7895     985.1522     985.4918     985.8092     986.1052
   26       983.5167     983.8823     984.2237     984.5418     984.8376
   27       982.2321     982.6002     982.9431     983.2618     983.5571
   28       980.9353     981.3058     981.6500     981.9689     982.2636
   29       979.6264     979.9989     980.3442     980.6631     980.9568
   30       978.3053     978.6796     979.0256     979.3443     979.6367
   31       976.9717     977.3476     977.6941     978.0123     978.3031
   32       975.6256     976.0029     976.3496     976.6669     976.9559
   33       974.2670     974.6453     974.9919     975.3081     975.5949
   34       972.8956     973.2746     973.6209     973.9357     974.2201
   35       971.5113     971.8908     972.2365     972.5496     972.8312
   36       970.1141     970.4938     970.8386     971.1496     971.4281
 
   37       968.2835     968.6549     968.9902     969.2906     969.5574
   38       966.4358     966.7984     967.1238     967.4130     967.6675
   39       964.5708     964.9242     965.2390     965.5167     965.7584
   40       962.6882     963.0319     963.3358     963.6013     963.8298
   41       960.7881     961.1215     961.4140     961.6669     961.8815
   42       958.8701     959.1929     959.4734     959.7130     959.9133
   43       956.9341     957.2457     957.5137     957.7397     957.9250
   44       954.9800     955.2799     955.5349     955.7466     955.9164
   45       953.0076     953.2952     953.5367     953.7335     953.8873
   46       951.0167     951.2915     951.5189     951.7004     951.8375
   47       949.0071     949.2686     949.4814     949.6469     949.7667
   48       946.9786     947.2264     947.4239     947.5729     947.6749
 
                                                                Page 45(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
   49       942.5379     943.0459     943.4938     943.8833     944.2162
   50       940.1260     940.6179     941.0482     941.4185     941.7307
   51       937.6941     938.1693     938.5812     938.9316     939.2224
   52       935.2418     935.6997     936.0926     936.4225     936.6911
   53       932.7692     933.2090     933.5823     933.8909     934.1366
   54       930.2759     930.6970     931.0500     931.3366     931.5586
   55       927.7619     928.1636     928.4955     928.7594     928.9571
   56       925.2269     925.6086     925.9187     926.1591     926.3317
   57       922.6707     923.0317     923.3193     923.5355     923.6822
   58       920.0933     920.4328     920.6972     920.8884     921.0085
   59       917.4944     917.8117     918.0521     918.2177     918.3102
   60       914.8738     915.1682     915.3839     915.5229     915.5872
 
   61       911.8208     912.0829     912.2643     912.3673     912.3937
   62       908.7423     908.9711     909.1174     909.1833     909.1708
   63       905.6382     905.8328     905.9430     905.9709     905.9184
   64       902.5081     902.6677     902.7408     902.7296     902.6362
   65       899.3520     899.4755     899.5106     899.4594     899.3239
   66       896.1696     896.2561     896.2521     896.1598     895.9812
   67       892.9607     893.0092     892.9651     892.8307     892.6079
   68       889.7251     889.7345     889.6494     889.4717     889.2037
   69       886.4624     886.4319     886.3046     886.0827     885.7682
   70       883.1726     883.1011     882.9306     882.6633     882.3013
   71       879.8554     879.7418     879.5270     879.2132     878.8026
   72       876.5105     876.3538     876.0937     875.7323     875.2718
 
   73       872.7107     872.5008     872.1851     871.7659     871.2452
   74       868.8792     868.6149     868.2424     867.7639     867.1817
   75       865.0158     864.6957     864.2651     863.7261     863.0809
   76       861.1202     860.7431     860.2531     859.6521     858.9426
   77       857.1921     856.7568     856.2059     855.5417     854.7663
   78       853.2313     852.7364     852.1233     851.3944     850.5517
   79       849.2375     848.6816     848.0050     847.2099     846.2985
   80       845.2104     844.5922     843.8507     842.9880     842.0063
   81       841.1497     840.4679     839.6600     838.7283     837.6748
   82       837.0552     836.3084     835.4327     834.4304     833.3035
   83       832.9266     832.1133     831.1684     830.0939     828.8922
   84       828.7636     827.8824     826.8667     825.7187     824.4405
 
   85       824.1217     823.1618     822.0645     820.8318     819.4659
   86       819.4411     818.4009     817.2202     815.9011     814.4458
   87       814.7215     813.5993     812.3335     810.9262     809.3796
   88       809.9626     808.7567     807.4041     805.9068     804.2670
   89       805.1641     803.8728     802.4315     800.8424     799.1075
   90       800.3256     798.9471     797.4155     795.7326     793.9007
   91       795.4467     793.9794     792.3555     790.5771     788.6462
   92       790.5272     788.9692     787.2513     785.3754     783.3435
   93       785.5667     783.9162     782.1024     780.1270     777.9922
   94       780.5648     778.8201     776.9084     774.8317     772.5919
   95       775.5213     773.6804     771.6690     769.4889     767.1421
   96       770.4357     768.4969     766.3838     764.0983     761.6423
 
                                                                Page 46(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
   49       944.4942     944.7189     944.8921     945.0153     945.0901
   50       941.9864     942.1875     942.3355     942.4321     942.4790
   51       939.4552     939.6318     939.7539     939.8231     939.8413
   52       936.9002     937.0516     937.1470     937.1881     937.1766
   53       934.3212     934.4466     934.5145     934.5266     934.4847
   54       931.7181     931.8167     931.8563     931.8386     931.7653
   55       929.0906     929.1616     929.1721     929.1237     929.0182
   56       926.4384     926.4811     926.4615     926.3816     926.2430
   57       923.7614     923.7749     923.7245     923.6121     923.4395
   58       921.0593     921.0427     920.9606     920.8149     920.6073
   59       918.3318     918.2843     918.1697     917.9897     917.7463
   60       915.5788     915.4996     915.3514     915.1363     914.8561
 
   61       912.3455     912.2247     912.0332     911.7730     911.4459
   62       909.0818     908.9184     908.6826     908.3761     908.0010
   63       905.7876     905.5805     905.2991     904.9452     904.5209
   64       902.4625     902.2106     901.8824     901.4800     901.0053
   65       899.1062     898.8083     898.4323     897.9802     897.4538
   66       895.7184     895.3735     894.9485     894.4454     893.8661
   67       892.2989     891.9058     891.4305     890.8752     890.2417
   68       888.8473     888.4048     887.8781     887.2693     886.5803
   69       885.3634     884.8702     884.2909     883.6273     882.8816
   70       881.8468     881.3018     880.6685     879.9489     879.1450
   71       878.2972     877.6992     877.0107     876.2338     875.3704
   72       874.7144     874.0621     873.3171     872.4815     871.5572
 
   73       870.6253     869.9082     869.0961     868.1911     867.1951
   74       866.4978     865.7145     864.8338     863.8577     862.7885
   75       862.3317     861.4806     860.5297     859.4811     858.3369
   76       858.1265     857.2061     856.1834     855.0607     853.8399
   77       853.8819     852.8906     851.7946     850.5960     849.2969
   78       849.5975     848.5338     847.3629     846.0868     844.7076
   79       845.2729     844.1352     842.8877     841.5324     840.0714
   80       840.9078     839.6945     838.3687     836.9325     835.3879
   81       836.5017     835.2113     833.8055     832.2866     830.6566
   82       832.0544     830.6850     829.1976     827.5942     825.8770
   83       827.5653     826.1154     824.5446     822.8549     821.0486
   84       823.0342     821.5020     819.8460     818.0683     816.1709
 
   85       817.9690     816.3432     814.5905     812.7131     810.7130
   86       812.8563     811.1349     809.2836     807.3044     805.1994
   87       807.6957     805.8767     803.9247     801.8416     799.6296
   88       802.4867     800.5681     798.5133     796.3242     794.0029
   89       797.2289     795.2087     793.0489     790.7516     788.3187
   90       791.9218     789.7979     787.5310     785.1233     782.5765
   91       786.5649     784.3352     781.9591     779.4387     776.7757
   92       781.1578     778.8202     776.3327     773.6972     770.9157
   93       775.7000     773.2523     770.6511     767.8983     764.9959
   94       770.1911     767.6311     764.9139     762.0415     759.0156
   95       764.6305     761.9560     759.1206     756.1260     752.9743
   96       759.0178     756.2265     753.2705     750.1515     746.8713
 
                                                                Page 46(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
   97       764.8458     762.7974     760.5708     758.1680     755.5908
   98       759.2094     757.0492     754.7070     752.1846     749.4839
   99       753.5259     751.2519     748.7918     746.1476     743.3209
  100       747.7951     745.4050     742.8249     740.0565     737.1015
  101       742.0166     739.5083     736.8058     733.9108     730.8251
  102       736.1899     733.5611     730.7340     727.7101     724.4911
  103       730.3146     727.5632     724.6091     721.4538     718.0990
  104       724.3904     721.5140     718.4306     715.1415     711.6484
  105       718.4168     715.4132     712.1980     708.7726     705.1387
  106       712.3935     709.2603     705.9109     702.3467     698.5692
  107       706.3199     703.0548     699.5688     695.8632     691.9396
  108       700.1957     696.7963     693.1711     689.3217     685.2492
 
  109       693.5401     689.9938     686.2168     682.2105     677.9761
  110       686.8290     683.1331     679.2016     675.0356     670.6363
  111       680.0620     676.2139     672.1250     667.7965     663.2293
  112       673.2386     669.2356     664.9865     660.4925     655.7544
  113       666.3584     662.1977     657.7856     653.1230     648.2109
  114       659.4208     655.0996     650.5216     645.6876     640.5983
  115       652.4254     647.9409     643.1941     638.1855     632.9159
  116       645.3717     640.7211     635.8024     630.6162     625.1631
  117       638.2592     633.4396     628.3461     622.9791     617.3393
  118       631.0874     626.0960     620.8245     615.2736     609.4437
  119       623.8559     618.6895     613.2372     607.4991     601.4757
  120       616.5641     611.2199     605.5834     599.6549     593.4347
 
  121       608.7120     603.1762     597.3419     591.2091     584.7778
  122       600.7944     595.0639     589.0282     582.6875     576.0416
  123       592.8108     586.8822     580.6419     574.0896     567.2252
  124       584.7607     578.6307     572.1821     565.4147     558.3281
  125       576.6435     570.3086     563.6483     556.6621     549.3494
  126       568.4586     561.9155     555.0399     547.8310     540.2884
  127       560.2056     553.4508     546.3561     538.9209     531.1443
  128       551.8838     544.9137     537.5963     529.9309     521.9164
  129       543.4926     536.3036     528.7599     520.8604     512.6039
  130       535.0315     527.6201     519.8462     511.7086     503.2061
  131       526.4999     518.8623     510.8545     502.4749     493.7221
  132       517.8972     510.0298     501.7841     493.1584     484.1512
 
  133       508.7032     500.5912     492.0927     483.2058     473.9287
  134       499.4326     491.0721     482.3165     473.1640     463.6124
  135       490.0847     481.4716     472.4548     463.0322     453.2016
  136       480.6589     471.7891     462.5068     452.8097     442.6954
  137       471.1546     462.0239     452.4717     442.4956     432.0928
  138       461.5711     452.1752     442.3489     432.0891     421.3931
  139       451.9077     442.2425     432.1374     421.5894     410.5953
  140       442.1638     432.2249     421.8366     410.9956     399.6985
  141       432.3387     422.1218     411.4457     400.3069     388.7018
  142       422.4317     411.9323     400.9639     389.5225     377.6044
  143       412.4421     401.6558     390.3903     378.6414     366.4051
  144       402.3693     391.2916     379.7242     367.6629     355.1033
 
                                                                Page 47(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
   97       752.8412     749.9209     746.8318     743.5757     740.1544
   98       746.6067     743.5548     740.3300     736.9342     733.3690
   99       740.3137     737.1277     733.7646     730.2263     726.5143
  100       733.9618     730.6390     727.1350     723.4512     719.5896
  101       727.5503     724.0881     720.4403     716.6085     712.5942
  102       721.0787     717.4745     713.6802     709.6973     705.5274
  103       714.5464     710.7975     706.8538     702.7170     698.3885
  104       707.9529     704.0565     699.9606     695.6669     691.1767
  105       701.2976     697.2509     693.0000     688.5463     683.8913
  106       694.5799     690.3800     685.9711     681.3545     676.5315
  107       687.7992     683.4434     678.8734     674.0908     669.0965
  108       680.9549     676.4402     671.7063     666.7544     661.5857
 
  109       673.5148     668.8278     663.9164     658.7816     653.4246
  110       666.0049     661.1425     656.0502     650.7290     645.1801
  111       658.4246     653.3835     648.1069     642.5959     636.8515
  112       650.7733     645.5502     640.0859     634.3815     628.4378
  113       643.0502     637.6417     631.9864     626.0850     619.9383
  114       635.2547     629.6575     623.8075     617.7055     611.3520
  115       627.3862     621.5968     615.5486     609.2422     602.6781
  116       619.4438     613.4589     607.2088     600.6942     593.9156
  117       611.4270     605.2429     598.7873     592.0608     585.0636
  118       603.3351     596.9482     590.2834     583.3410     576.1213
  119       595.1673     588.5740     581.6962     574.5341     567.0877
  120       586.9229     580.1196     573.0250     565.6391     557.9619
 
  121       578.0482     571.0203     563.6941     556.0695     548.1463
  122       569.0904     561.8339     554.2719     546.4042     538.2306
  123       560.0486     552.5594     544.7574     536.6423     528.2136
  124       550.9220     543.1960     535.1497     526.7827     518.0943
  125       541.7098     533.7429     525.4480     516.8245     507.8718
  126       532.4113     524.1992     515.6513     506.7668     497.5449
  127       523.0257     514.5641     505.7587     496.6085     487.1126
  128       513.5520     504.8366     495.7692     486.3486     476.5737
  129       503.9895     495.0159     485.6818     475.9861     465.9273
  130       494.3374     485.1010     475.4957     465.5200     455.1723
  131       484.5947     475.0912     465.2099     454.9492     444.3074
  132       474.7608     464.9854     454.8233     444.2727     433.3316
 
  133       464.2595     454.1964     443.7374     432.8804     421.6233
  134       453.6598     443.3041     432.5430     421.3742     409.7955
  135       442.9608     432.3073     421.2389     409.7529     397.8469
  136       432.1614     421.2052     409.8241     398.0155     385.7764
  137       421.2608     409.9966     398.2976     386.1606     373.5827
  138       410.2580     398.6807     386.6582     374.1872     361.2644
  139       399.1520     387.2563     374.9048     362.0940     348.8204
  140       387.9420     375.7224     363.0363     349.8800     336.2494
  141       376.6268     364.0780     351.0517     337.5437     323.5501
  142       365.2055     352.3220     338.9497     325.0842     310.7211
  143       353.6772     340.4534     326.7291     312.5000     297.7612
  144       342.0408     328.4710     314.3890     299.7900     284.6689
 
                                                                Page 47(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
  145       391.6722     380.2870     368.4015     356.0112     343.1114
  146       380.8859     369.1884     356.9798     344.2552     331.0096
  147       370.0098     357.9950     345.4581     332.3938     318.7968
  148       359.0430     346.7060     333.8356     320.4261     306.4721
  149       347.9848     335.3206     322.1114     308.3513     294.0344
  150       336.8345     323.8380     310.2846     296.1683     281.4828
  151       325.5912     312.2572     298.3543     283.8761     268.8160
  152       314.2543     300.5775     286.3196     271.4738     256.0332
  153       302.8229     288.7981     274.1796     258.9604     243.1331
  154       291.2962     276.9180     261.9335     246.3349     230.1148
  155       279.6735     264.9365     249.5801     233.5964     216.9772
  156       267.9539     252.8526     237.1187     220.7437     203.7192
 
  157       255.5746     240.0917     223.9624     207.1780     189.7297
  158       243.0922     227.2217     210.6909     193.4908     175.6120
  159       230.5057     214.2418     197.3034     179.6810     161.3649
  160       217.8144     201.1511     183.7987     165.7475     146.9872
  161       205.0173     187.9485     170.1759     151.6892     132.4777
  162       192.1136     174.6331     156.4339     137.5049     117.8352
  163       179.1023     161.2040     142.5716     123.1936     103.0585
  164       165.9826     147.6602     128.5880     108.7540      88.1463
  165       152.7536     134.0008     114.4820      94.1851      73.0974
  166       139.4143     120.2246     100.2527      79.4857      57.9106
  167       125.9639     106.3308      85.8988      64.6546      42.5845
  168       112.4014      92.3183      71.4193      49.6907      27.1180
 
  169        98.1414      77.5892      56.2039      33.9710      10.8754
  170        83.7625      62.7344      40.8554      18.1104       0.0000
  171        69.2639      47.7527      25.3726       2.1078
  172        54.6444      32.6430       9.7542       0.0000
  173        39.9030      17.4043       0.0000
  174        25.0388       2.0353
  175        10.0508       0.0000
  176         0.0000
 
                                                                Page 48(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
  145       329.6973     315.7639     301.3064     286.3194     270.7978
  146       317.2380     302.9351     288.0957     272.7142     256.7850
  147       304.6619     289.9834     274.7557     258.9729     242.6292
  148       291.9679     276.9075     261.2850     245.0942     228.3289
  149       279.1548     263.7063     247.6824     231.0768     213.8826
  150       266.2217     250.3786     233.9467     216.9191     199.2888
  151       253.1673     236.9232     220.0764     202.6199     184.5461
  152       239.9906     223.3388     206.0704     188.1777     169.6528
  153       226.6903     209.6242     191.9272     173.5910     154.6075
  154       213.2653     195.7783     177.6455     158.8585     139.4086
  155       199.7144     181.7996     163.2240     143.9787     124.0546
  156       186.0366     167.6869     148.6612     128.9501     108.5438
 
  157       171.6084     152.8049     133.3094     113.1124      92.2036
  158       157.0450     137.7802     117.8074      97.1164      75.6966
  159       142.3451     122.6115     102.1535      80.9604      59.0211
  160       127.5074     107.2974      86.3463      64.6428      42.1754
  161       112.5306      91.8366      70.3844      48.1621      25.1577
  162        97.4133      76.2276      54.2661      31.5166       7.9663
  163        82.1544      60.4691      37.9901      14.7046       0.0000
  164        66.7523      44.5595      21.5546       0.0000
  165        51.2059      28.4974       4.9583
  166        35.5138      12.2814       0.0000
  167        19.6745       0.0000
  168         3.6867
 
  169         0.0000
  170
  171
  172
  173
  174
  175
  176
 
                                                                Page 48(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
    1       999.7441     999.7581     999.7713     999.7839     999.7959
    2       999.4855     999.5136     999.5402     999.5655     999.5895
    3       999.2242     999.2665     999.3066     999.3446     999.3807
    4       998.9603     999.0167     999.0704     999.1213     999.1696
    5       998.6935     998.7644     998.8316     998.8955     998.9562
    6       998.4240     998.5093     998.5903     998.6673     998.7403
    7       998.1517     998.2515     998.3464     998.4365     998.5220
    8       997.8765     997.9910     998.0998     998.2032     998.3013
    9       997.5985     997.7277     997.8506     997.9672     998.0780
   10       997.3175     997.4617     997.5986     997.7287     997.8523
   11       997.0337     997.1928     997.3439     997.4876     997.6240
   12       996.7469     996.9210     997.0865     997.2438     997.3931
 
   13       996.0302     996.2117     996.3838     996.5470     996.7015
   14       995.3060     995.4948     995.6735     995.8425     996.0021
   15       994.5743     994.7703     994.9555     995.1302     995.2949
   16       993.8350     994.0382     994.2297     994.4100     994.5797
   17       993.0879     993.2982     993.4960     993.6819     993.8564
   18       992.3331     992.5504     992.7544     992.9458     993.1250
   19       991.5704     991.7946     992.0048     992.2015     992.3854
   20       990.7998     991.0308     991.2470     991.4490     991.6374
   21       990.0212     990.2589     990.4811     990.6882     990.8810
   22       989.2344     989.4788     989.7068     989.9190     990.1162
   23       988.4395     988.6904     988.9242     989.1414     989.3427
   24       987.6362     987.8937     988.1330     988.3551     988.5605
 
   25       986.3806     986.6364     986.8732     987.0918     987.2930
   26       985.1120     985.3657     985.5996     985.8146     986.0113
   27       983.8301     984.0815     984.3123     984.5232     984.7152
   28       982.5349     982.7837     983.0110     983.2176     983.4044
   29       981.2261     981.4721     981.6957     981.8976     982.0789
   30       979.9038     980.1466     980.3660     980.5631     980.7386
   31       978.5677     978.8070     979.0220     979.2137     979.3831
   32       977.2176     977.4531     977.6634     977.8495     978.0124
   33       975.8535     976.0849     976.2901     976.4703     976.6262
   34       974.4752     974.7021     974.9020     975.0758     975.2245
   35       973.0825     973.3047     973.4987     973.6658     973.8070
   36       971.6753     971.8923     972.0803     972.2404     972.3735
 
   37       969.7917     969.9949     970.1680     970.3121     970.4284
   38       967.8885     968.0773     968.2349     968.3625     968.4614
   39       965.9655     966.1393     966.2808     966.3915     966.4723
   40       964.0225     964.1807     964.3056     964.3986     964.4607
   41       962.0592     962.2013     962.3091     962.3838     962.4266
   42       960.0754     960.2008     960.2908     960.3467     960.3696
   43       958.0710     958.1791     958.2507     958.2871     958.2894
   44       956.0457     956.1360     956.1885     956.2047     956.1858
   45       953.9993     954.0711     954.1040     954.0994     954.0586
   46       951.9316     951.9843     951.9969     951.9708     951.9074
   47       949.8424     949.8753     949.8670     949.8188     949.7320
   48       947.7314     947.7439     947.7139     947.6429     947.5322
 
                                                                Page 49(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
    1       999.8072     999.8179     999.8281     999.8378     999.8469
    2       999.6122     999.6338     999.6542     999.6736     999.6919
    3       999.4150     999.4475     999.4782     999.5074     999.5351
    4       999.2155     999.2590     999.3002     999.3392     999.3763
    5       999.0137     999.0683     999.1200     999.1690     999.2155
    6       998.8096     998.8753     998.9377     998.9968     999.0528
    7       998.6032     998.6802     998.7532     998.8224     998.8880
    8       998.3944     998.4827     998.5665     998.6460     998.7213
    9       998.1832     998.2830     998.3776     998.4674     998.5525
   10       997.9696     998.0809     998.1865     998.2866     998.3816
   11       997.7535     997.8764     997.9931     998.1037     998.2086
   12       997.5350     997.6696     997.7974     997.9186     998.0335
 
   13       996.8479     996.9864     997.1175     997.2414     997.3584
   14       996.1529     996.2953     996.4295     996.5560     996.6751
   15       995.4500     995.5960     995.7333     995.8623     995.9833
   16       994.7391     994.8887     995.0289     995.1603     995.2831
   17       994.0199     994.1730     994.3162     994.4497     994.5742
   18       993.2926     993.4491     993.5949     993.7306     993.8567
   19       992.5569     992.7166     992.8651     993.0028     993.1303
   20       991.8128     991.9757     992.1266     992.2662     992.3949
   21       991.0601     991.2260     991.3794     991.5207     991.6506
   22       990.2988     990.4677     990.6233     990.7662     990.8971
   23       989.5288     989.7005     989.8582     990.0026     990.1343
   24       988.7500     988.9243     989.0840     989.2297     989.3622
 
   25       987.4776     987.6462     987.7995     987.9381     988.0628
   26       986.1906     986.3531     986.4997     986.6309     986.7475
   27       984.8888     985.0450     985.1845     985.3079     985.4160
   28       983.5722     983.7216     983.8537     983.9689     984.0682
   29       982.2404     982.3828     982.5070     982.6138     982.7038
   30       980.8934     981.0284     981.1444     981.2422     981.3226
   31       979.5309     979.6581     979.7656     979.8541     979.9244
   32       978.1529     978.2719     978.3704     978.4492     978.5091
   33       976.7590     976.8695     976.9587     977.0273     977.0763
   34       975.3492     975.4508     975.5302     975.5883     975.6260
   35       973.9232     974.0154     974.0847     974.1318     974.1578
   36       972.4809     972.5634     972.6220     972.6578     972.6716
 
   37       970.5180     970.5818     970.6208     970.6362     970.6287
   38       968.5325     968.5770     968.5959     968.5901     968.5607
   39       966.5244     966.5489     966.5469     966.5193     966.4672
   40       964.4932     964.4971     964.4735     964.4235     964.3481
   41       962.4388     962.4214     962.3755     962.3024     962.2028
   42       960.3608     960.3214     960.2527     960.1556     960.0313
   43       958.2590     958.1970     958.1046     957.9829     957.8330
   44       956.1331     956.0477     955.9310     955.7839     955.6077
   45       953.9829     953.8734     953.7316     953.5584     953.3550
   46       951.8080     951.6738     951.5060     951.3060     951.0747
   47       949.6082     949.4484     949.2541     949.0263     948.7663
   48       947.3832     947.1971     946.9754     946.7191     946.4296
 
                                                                Page 49(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
   49       945.1182     945.1009     945.0399     944.9365     944.7922
   50       942.4777     942.4298     942.3368     942.2002     942.0214
   51       939.8098     939.7304     939.6045     939.4337     939.2195
   52       937.1141     937.0022     936.8426     936.6367     936.3860
   53       934.3903     934.2451     934.0508     933.8088     933.5206
   54       931.6381     931.4587     931.2287     930.9496     930.6230
   55       928.8573     928.6427     928.3760     928.0589     927.6929
   56       926.0475     925.7967     925.4924     925.1362     924.7297
   57       923.2084     922.9205     922.5776     922.1813     921.7332
   58       920.3397     920.0138     919.6313     919.1938     918.7030
   59       917.4412     917.0762     916.6530     916.1733     915.6387
   60       914.5125     914.1073     913.6424     913.1194     912.5399
 
   61       911.0538     910.5984     910.0816     909.5050     908.8703
   62       907.5591     907.0523     906.4822     905.8507     905.1594
   63       904.0281     903.4684     902.8438     902.1560     901.4068
   64       900.4602     899.8465     899.1660     898.4206     897.6119
   65       896.8552     896.1861     895.4484     894.6439     893.7744
   66       893.2126     892.4868     891.6905     890.8255     889.8936
   67       889.5321     888.7481     887.8918     886.9649     885.9692
   68       885.8132     884.9698     884.0520     883.0617     882.0007
   69       882.0556     881.1513     880.1707     879.1155     877.9875
   70       878.2588     877.2923     876.2472     875.1256     873.9292
   71       874.4225     873.3922     872.2813     871.0917     869.8252
   72       870.5463     869.4507     868.2724     867.0132     865.6750
 
   73       866.1103     864.9385     863.6817     862.3419     860.9208
   74       861.6280     860.3783     859.0413     857.6190     856.1130
   75       857.0991     855.7697     854.3507     852.8439     851.2512
   76       852.5230     851.1121     849.6092     848.0161     846.3346
   77       847.8992     846.4051     844.8163     843.1349     841.3628
   78       843.2273     841.6480     839.9716     838.1999     836.3350
   79       838.5067     836.8404     835.0743     833.2104     831.2506
   80       833.7369     831.9817     830.1240     828.1658     826.1091
   81       828.9175     827.0713     825.1200     823.0655     820.9097
   82       824.0478     822.1088     820.0619     817.9089     815.6518
   83       819.1274     817.0936     814.9489     812.6954     810.3348
   84       814.1558     812.0251     809.7806     807.4243     804.9579
 
   85       808.5922     806.3527     803.9964     801.5252     798.9409
   86       802.9707     800.6201     798.1495     795.5609     792.8561
   87       797.2906     794.8265     792.2393     789.5308     786.7029
   88       791.5513     788.9714     786.2651     783.4342     780.4805
   89       785.7522     783.0541     780.2261     777.2702     774.1880
   90       779.8928     777.0739     774.1217     771.0381     767.8248
   91       773.9723     771.0302     767.9512     764.7373     761.3900
   92       767.9901     764.9222     761.7139     758.3668     754.8828
   93       761.9456     758.7494     755.4089     751.9260     748.3024
   94       755.8382     752.5109     749.0357     745.4141     741.6479
   95       749.6671     746.2062     742.5934     738.8303     734.9186
   96       743.4317     739.8345     736.0813     732.1738     728.1136
 
                                                                Page 50(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
   49       944.6084     944.3864     944.1276     943.8331     943.5042
   50       941.8019     941.5430     941.2459     940.9122     940.5428
   51       938.9632     938.6663     938.3301     937.9559     937.5451
   52       936.0920     935.7561     935.3796     934.9640     934.5104
   53       933.1879     932.8119     932.3941     931.9359     931.4385
   54       930.2505     929.8334     929.3732     928.8712     928.3289
   55       927.2794     926.8201     926.3164     925.7695     925.1810
   56       924.2744     923.7717     923.2232     922.6303     921.9944
   57       921.2348     920.6877     920.0934     919.4532     918.7686
   58       918.1605     917.5678     916.9263     916.2377     915.5032
   59       915.0509     914.4114     913.7217     912.9833     912.1977
   60       911.9057     911.2182     910.4790     909.6896     908.8515
 
   61       908.1792     907.4333     906.6341     905.7831     904.8818
   62       904.4101     903.6042     902.7435     901.8294     900.8634
   63       900.5977     899.7305     898.8067     897.8279     896.7955
   64       896.7417     895.8116     894.8232     893.7781     892.6777
   65       892.8415     891.8470     890.7924     889.6793     888.5093
   66       888.8966     887.8361     886.7137     885.5310     884.2896
   67       884.9065     883.7784     882.5865     881.3326     880.0180
   68       880.8707     879.6733     878.4104     877.0834     875.6939
   69       876.7886     875.5204     874.1847     872.7829     871.3167
   70       872.6598     871.3191     869.9087     868.4304     866.8857
   71       868.4836     867.0687     865.5820     864.0254     862.4002
   72       864.2596     862.7687     861.2040     859.5671     857.8596
 
   73       859.4202     857.8419     856.1876     854.4590     852.6576
   74       854.5253     852.8577     851.1117     849.2891     847.3916
   75       849.5744     847.8153     845.9755     844.0569     842.0608
   76       844.5667     842.7140     840.7784     838.7613     836.6646
   77       839.5016     837.5533     835.5195     833.4018     831.2020
   78       834.3785     832.3323     830.1981     827.9776     825.6723
   79       829.1967     827.0505     824.8136     822.4878     820.0746
   80       823.9555     821.7070     819.3651     816.9316     814.4080
   81       818.6543     816.3012     813.8519     811.3083     808.6719
   82       813.2923     810.8323     808.2733     805.6171     802.8652
   83       807.8689     805.2996     802.6284     799.8571     796.9872
   84       802.3834     799.7023     796.9165     794.0275     791.0369
 
   85       796.2453     793.4401     790.5270     787.5077     784.3836
   86       790.0368     787.1048     784.0617     780.9091     777.6485
   87       783.7572     780.6956     777.5195     774.2307     770.8307
   88       777.4057     774.2116     770.8997     767.4717     763.9290
   89       770.9814     767.6519     764.2013     760.6310     756.9425
   90       764.4835     761.0158     757.4233     753.7076     749.8702
   91       757.9111     754.3022     750.5649     746.7006     742.7109
   92       751.2634     747.5103     743.6250     739.6089     735.4636
   93       744.5395     740.6391     736.6026     732.4315     728.1272
   94       737.7386     733.6878     729.4969     725.1674     720.7007
   95       730.8598     726.6554     722.3069     717.8156     713.1828
   96       723.9021     719.5409     715.0314     710.3748     705.5726
 
                                                                Page 50(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
   97       736.5697     732.8231     728.9165     724.8513     720.6291
   98       729.6361     725.7372     721.6739     717.4479     713.0604
   99       722.6303     718.5760     714.3530     709.9627     705.4066
  100       715.5516     711.3387     706.9527     702.3949     697.6667
  101       708.3991     704.0246     699.4722     694.7435     689.8397
  102       701.1721     696.6327     691.9108     687.0076     681.9246
  103       693.8698     689.1623     684.2674     679.1864     673.9205
  104       686.4914     681.6125     676.5411     671.2787     665.8264
  105       679.0362     673.9825     668.7312     663.2838     657.6412
  106       671.5033     666.2714     660.8367     655.2005     649.3639
  107       663.8920     658.4784     652.8567     647.0281     640.9934
  108       656.2014     650.6025     644.7902     638.7653     632.5289
 
  109       647.8464     642.0482     636.0307     629.7951     623.3420
  110       639.4044     633.4029     627.1764     620.7258     614.0518
  111       630.8745     624.6658     618.2262     611.5564     604.6571
  112       622.2557     615.8358     609.1789     602.2857     595.1567
  113       613.5471     606.9120     600.0337     592.9127     585.5495
  114       604.7478     597.8934     590.7894     583.4362     575.8341
  115       595.8569     588.7790     581.4450     573.8550     566.0095
  116       586.8733     579.5678     571.9993     564.1681     556.0743
  117       577.7962     570.2586     562.4513     554.3742     546.0273
  118       568.6245     560.8506     552.7998     544.4721     535.8674
  119       559.3572     551.3426     543.0438     534.4607     525.5931
  120       549.9935     541.7336     533.1821     524.3388     515.2032
 
  121       539.9245     531.4038     522.5838     513.4642     504.0443
  122       529.7507     520.9642     511.8707     502.4695     492.7599
  123       519.4709     510.4138     501.0415     491.3534     481.3486
  124       509.0841     499.7512     490.0950     480.1145     469.8089
  125       498.5890     488.9753     479.0299     468.7516     458.1393
  126       487.9846     478.0850     467.8449     457.2632     446.3385
  127       477.2698     467.0789     456.5388     445.6479     434.4049
  128       466.4433     455.9559     445.1102     433.9044     422.3371
  129       455.5041     444.7148     433.5577     422.0313     410.1335
  130       444.4509     433.3541     421.8802     410.0270     397.7926
  131       433.2826     421.8728     410.0761     397.8902     385.3128
  132       421.9979     410.2695     398.1441     385.6194     372.6927
 
  133       409.9638     397.8995     385.4279     372.5465     359.2524
  134       397.8043     385.3980     372.5739     359.3292     345.6609
  135       385.5181     372.7637     359.5807     345.9661     331.9165
  136       373.1040     359.9952     346.4467     332.4553     318.0174
  137       360.5606     347.0910     333.1705     318.7954     303.9620
  138       347.8865     334.0497     319.7504     304.9847     289.7485
  139       335.0803     320.8698     306.1849     291.0215     275.3751
  140       322.1408     307.5499     292.4725     276.9041     260.8400
  141       309.0665     294.0885     278.6115     262.6308     246.1413
  142       295.8560     280.4840     264.6004     248.1999     231.2773
  143       282.5079     266.7350     250.4374     233.6097     216.2461
  144       269.0207     252.8400     236.1211     218.8583     201.0458
 
                                                                Page 51(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
   97       716.2515     711.7198     707.0354     702.1996     697.2137
   98       708.5132     703.8074     698.9445     693.9257     688.7521
   99       700.6862     695.8027     690.7575     685.5517     680.1865
  100       692.7695     687.7046     682.4733     677.0766     671.5156
  101       684.7621     679.5120     674.0906     668.4990     662.7382
  102       676.6630     671.2239     665.6085     659.8178     653.8528
  103       668.4710     662.8391     657.0256     651.0317     644.8583
  104       660.1852     654.3564     648.3408     642.1395     635.7531
  105       651.8045     645.7748     639.5529     633.1398     626.5361
  106       643.3277     637.0930     630.6606     624.0313     617.2058
  107       634.7538     628.3100     621.6627     614.8128     607.7607
  108       626.0817     619.4245     612.5580     605.4829     598.1996
 
  109       616.6723     609.7867     602.6857     595.3699     587.8397
  110       607.1552     600.0364     592.6961     585.1347     577.3525
  111       597.5290     590.1724     582.5879     574.7758     566.7363
  112       587.7925     580.1934     572.3597     564.2918     555.9897
  113       577.9444     570.0979     562.0100     553.6810     545.1110
  114       567.9835     559.8846     551.5374     542.9421     534.0985
  115       557.9085     549.5522     540.9405     532.0734     522.9507
  116       547.7180     539.0992     530.2177     521.0734     511.6659
  117       537.4107     528.5242     519.3676     509.9404     500.2423
  118       526.9854     517.8259     508.3886     498.6730     488.6784
  119       516.4406     507.0028     497.2793     487.2693     476.9723
  120       505.7749     496.0534     486.0380     475.7279     465.1223
 
  121       494.3238     484.3017     473.9774     463.3499     452.4181
  122       482.7414     472.4129     461.7736     450.8223     439.5578
  123       471.0263     460.3854     449.4248     438.1433     426.5394
  124       459.1770     448.2176     436.9294     425.3111     413.3610
  125       447.1919     435.9078     424.2857     412.3239     400.0207
  126       435.0694     423.4544     411.4918     399.1797     386.5163
  127       422.8081     410.8557     398.5459     385.8767     372.8460
  128       410.4062     398.1100     385.4463     372.4130     359.0076
  129       397.8623     385.2156     372.1912     358.7865     344.9991
  130       385.1746     372.1708     358.7786     344.9955     330.8184
  131       372.3416     358.9738     345.2068     331.0377     316.4635
  132       359.3615     345.6228     331.4738     316.9114     301.9320
 
  133       345.5428     331.4145     316.8645     301.8892     286.4852
  134       331.5657     317.0405     302.0817     286.6856     270.8484
  135       317.4286     302.4987     287.1233     271.2982     255.0194
  136       303.1294     287.7873     271.9873     255.7249     238.9959
  137       288.6664     272.9043     256.6715     239.9635     222.7755
  138       274.0376     257.8476     241.1739     224.0115     206.3556
  139       259.2413     242.6153     225.4922     207.8669     189.7339
  140       244.2754     227.2053     209.6243     191.5271     172.9079
  141       229.1380     211.6154     193.5680     174.9899     155.8751
  142       213.8272     195.8437     177.3210     158.2529     138.6330
  143       198.3409     179.8880     160.8811     141.3137     121.1789
  144       182.6772     163.7461     144.2460     124.1697     103.5102
 
                                                                Page 51(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
  145       254.7359     238.1281     220.9685     203.2509     184.9691
  146       240.3023     223.2599     205.6517     187.4711     168.7116
  147       225.7183     208.2337     190.1690     171.5171     152.2712
  148       210.9823     193.0479     174.5185     155.3870     135.6458
  149       196.0929     177.7007     158.6985     139.0787     118.8334
  150       181.0484     162.1905     142.7071     122.5904     101.8319
  151       165.8472     146.5154     126.5425     105.9200      84.6391
  152       150.4877     130.6739     110.2028      89.0655      67.2528
  153       134.9681     114.6640      93.6860      72.0250      49.6710
  154       119.2869      98.4840      76.9904      54.7962      31.8914
  155       103.4423      82.1320      60.1138      37.3773      13.9118
  156        87.4327      65.6064      43.0544      19.7660       0.0000
 
  157        70.5728      48.2092      25.1018       1.2393
  158        53.5373      30.6272       6.9547       0.0000
  159        36.3244      12.8584       0.0000
  160        18.9321       0.0000
  161         1.3587
  162         0.0000
 
                                                                Page 52(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
  145       166.1165     146.6863     126.6715     106.0646      84.8581
  146       149.3661     129.4275     108.8883      87.7407      65.9767
  147       132.4238     111.9673      90.8939      69.1953      46.8632
  148       115.2873      94.3034      72.6858      50.4259      27.5147
  149        97.9545      76.4334      54.2615      31.4297       7.9285
  150        80.4231      58.3550      35.6185      12.2039       0.0000
  151        62.6907      40.0656      16.7540       0.0000
  152        44.7552      21.5629       0.0000
  153        26.6142       2.8443
  154         8.2654       0.0000
  155         0.0000
  156
 
  157
  158
  159
  160
  161
  162
 
                                                                Page 52(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     15.00        15.25        15.50        15.75        16.00
 
    1       999.8556     999.8637     999.8715     999.8788     999.8858
    2       999.7093     999.7258     999.7413     999.7561     999.7700
    3       999.5612     999.5860     999.6095     999.6317     999.6527
    4       999.4113     999.4445     999.4759     999.5057     999.5338
    5       999.2595     999.3012     999.3407     999.3780     999.4134
    6       999.1058     999.1561     999.2037     999.2487     999.2913
    7       998.9502     999.0091     999.0649     999.1177     999.1676
    8       998.7926     998.8603     998.9243     998.9849     999.0423
    9       998.6331     998.7095     998.7819     998.8504     998.9153
   10       998.4716     998.5569     998.6377     998.7142     998.7866
   11       998.3080     998.4023     998.4916     998.5761     998.6562
   12       998.1424     998.2457     998.3436     998.4363     998.5240
 
   13       997.4690     997.5734     997.6719     997.7647     997.8522
   14       996.7872     996.8925     996.9915     997.0844     997.1714
   15       996.0968     996.2030     996.3023     996.3951     996.4816
   16       995.3978     995.5047     995.6042     995.6967     995.7825
   17       994.6900     994.7975     994.8972     994.9892     995.0742
   18       993.9734     994.0814     994.1809     994.2725     994.3563
   19       993.2479     993.3561     993.4555     993.5463     993.6289
   20       992.5133     992.6217     992.7206     992.8105     992.8919
   21       991.7695     991.8779     991.9763     992.0652     992.1449
   22       991.0164     991.1246     991.2223     991.3100     991.3881
   23       990.2538     990.3618     990.4586     990.5449     990.6211
   24       989.4818     989.5893     989.6851     989.7698     989.8439
 
   25       988.1741     988.2726     988.3589     988.4335     988.4969
   26       986.8500     986.9392     987.0155     987.0796     987.1320
   27       985.5094     985.5888     985.6548     985.7080     985.7489
   28       984.1521     984.2213     984.2765     984.3183     984.3473
   29       982.7778     982.8364     982.8804     982.9104     982.9270
   30       981.3863     981.4339     981.4663     981.4841     981.4878
   31       979.9774     980.0136     980.0340     980.0390     980.0295
   32       978.5508     978.5753     978.5831     978.5750     978.5516
   33       977.1065     977.1186     977.1134     977.0917     977.0541
   34       975.6441     975.6435     975.6248     975.5890     975.5366
   35       974.1634     974.1496     974.1170     974.0665     973.9989
   36       972.6643     972.6367     972.5897     972.5241     972.4406
 
   37       970.5993     970.5489     970.4783     970.3883     970.2798
   38       968.5085     968.4345     968.3396     968.2245     968.0902
   39       966.3916     966.2933     966.1733     966.0323     965.8714
   40       964.2482     964.1249     963.9789     963.8114     963.6230
   41       962.0780     961.9289     961.7563     961.5612     961.3446
   42       959.8807     959.7050     959.5049     959.2816     959.0358
   43       957.6560     957.4528     957.2245     956.9720     956.6963
   44       955.4034     955.1720     954.9146     954.6321     954.3255
   45       953.1226     952.8623     952.5749     952.2615     951.9232
   46       950.8134     950.5231     950.2049     949.8598     949.4888
   47       948.4753     948.1543     947.8044     947.4266     947.0220
   48       946.1080     945.7553     945.3728     944.9614     944.5222
 
                                                                Page 53(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     16.25        16.50        16.75        17.00        17.25
 
    1       999.8923     999.8985     999.9044     999.9099     999.9151
    2       999.7832     999.7956     999.8074     999.8186     999.8291
    3       999.6726     999.6914     999.7091     999.7259     999.7418
    4       999.5605     999.5856     999.6094     999.6319     999.6532
    5       999.4468     999.4784     999.5084     999.5366     999.5633
    6       999.3317     999.3698     999.4059     999.4400     999.4722
    7       999.2149     999.2597     999.3020     999.3419     999.3798
    8       999.0966     999.1480     999.1966     999.2425     999.2860
    9       998.9767     999.0348     999.0898     999.1417     999.1909
   10       998.8552     998.9200     998.9814     999.0395     999.0944
   11       998.7320     998.8037     998.8716     998.9358     998.9965
   12       998.6071     998.6858     998.7602     998.8306     998.8972
 
   13       997.9346     998.0122     998.0851     998.1537     998.2181
   14       997.2530     997.3293     997.4006     997.4672     997.5292
   15       996.5621     996.6370     996.7066     996.7709     996.8305
   16       995.8619     995.9353     996.0028     996.0648     996.1217
   17       995.1522     995.2238     995.2892     995.3487     995.4027
   18       994.4329     994.5026     994.5657     994.6225     994.6733
   19       993.7039     993.7715     993.8321     993.8859     993.9335
   20       992.9650     993.0303     993.0882     993.1390     993.1830
   21       992.2161     992.2789     992.3339     992.3814     992.4218
   22       991.4570     991.5172     991.5691     991.6131     991.6496
   23       990.6877     990.7450     990.7937     990.8340     990.8663
   24       989.9079     989.9622     990.0074     990.0438     990.0718
 
   25       988.5498     988.5925     988.6255     988.6493     988.6643
   26       987.1733     987.2039     987.2243     987.2350     987.2365
   27       985.7781     985.7961     985.8035     985.8008     985.7883
   28       984.3640     984.3691     984.3630     984.3462     984.3192
   29       982.9308     982.9224     982.9023     982.8710     982.8290
   30       981.4782     981.4558     981.4212     981.3749     981.3174
   31       980.0059     979.9691     979.9194     979.8576     979.7840
   32       978.5137     978.4619     978.3967     978.3188     978.2287
   33       977.0013     976.9340     976.8527     976.7582     976.6509
   34       975.4684     975.3851     975.2872     975.1755     975.0505
   35       973.9147     973.8148     973.6998     973.5704     973.4271
   36       972.3400     972.2230     972.0903     971.9425     971.7803
 
   37       970.1535     970.0101     969.8503     969.6748     969.4843
   38       967.9373     967.7667     967.5790     967.3749     967.1552
   39       965.6911     965.4924     965.2760     965.0425     964.7927
   40       963.4145     963.1869     962.9408     962.6770     962.3962
   41       961.1071     960.8497     960.5731     960.2781     959.9653
   42       958.7685     958.4804     958.1723     957.8451     957.4994
   43       956.3981     956.0784     955.7380     955.3777     954.9981
   44       953.9957     953.6435     953.2697     952.8753     952.4608
   45       951.5607     951.1750     950.7670     950.3374     949.8871
   46       949.0928     948.6727     948.2293     947.7636     947.2763
   47       946.5914     946.1359     945.6562     945.1534     944.6281
   48       944.0562     943.5642     943.0472     942.5061     941.9417
 
                                                                Page 53(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     15.00        15.25        15.50        15.75        16.00
 
   49       943.1421     942.7480     942.3229     941.8679     941.3841
   50       940.1392     939.7024     939.2335     938.7338     938.2042
   51       937.0987     936.6181     936.1043     935.5585     934.9818
   52       934.0202     933.4946     932.9347     932.3416     931.7165
   53       930.9033     930.3314     929.7241     929.0824     928.4076
   54       927.7474     927.1280     926.4720     925.7805     925.0546
   55       924.5520     923.8839     923.1779     922.4352     921.6569
   56       921.3167     920.5986     919.8413     919.0460     918.2139
   57       918.0409     917.2715     916.4616     915.6123     914.7250
   58       914.7243     913.9022     913.0382     912.1336     911.1896
   59       911.3661     910.4900     909.5706     908.6092     907.6070
   60       907.9660     907.0344     906.0582     905.0386     903.9767
 
   61       903.9316     902.9339     901.8900     900.8012     899.6687
   62       899.8469     898.7813     897.6680     896.5082     895.3033
   63       895.7111     894.5759     893.3914     892.1589     890.8796
   64       891.5236     890.3171     889.0596     887.7525     886.3970
   65       887.2837     886.0041     884.6719     883.2883     881.8546
   66       882.9909     881.6364     880.2274     878.7654     877.2516
   67       878.6444     877.2131     875.7256     874.1832     872.5873
   68       874.2435     872.7336     871.1656     869.5409     867.8607
   69       869.7877     868.1972     866.5467     864.8376     863.0712
   70       865.2761     863.6032     861.8682     860.0726     858.2178
   71       860.7082     858.9507     857.1292     855.2451     853.2997
   72       856.0832     854.2391     852.3290     850.3542     848.3160
 
   73       850.7849     848.8426     846.8320     844.7545     842.6114
   74       845.4205     843.3775     841.2639     839.0812     836.8307
   75       839.9890     837.8429     835.6239     833.3335     830.9730
   76       834.4896     832.2380     829.9111     827.5104     825.0372
   77       828.9215     826.5618     824.1245     821.6108     819.0222
   78       823.2838     820.8136     818.2631     815.6339     812.9270
   79       817.5755     814.9922     812.3261     809.5784     806.7506
   80       811.7960     809.0969     806.3123     803.4435     800.4918
   81       805.9442     803.1267     800.2209     797.2281     794.1496
   82       800.0192     797.0806     794.0508     790.9311     787.7228
   83       794.0202     790.9577     787.8010     784.5514     781.2103
   84       787.9462     784.7569     781.4704     778.0880     774.6109
 
   85       781.1563     777.8273     774.3979     770.8693     767.2430
   86       774.2816     770.8096     767.2339     763.5559     759.7768
   87       767.3209     763.7027     759.9775     756.1466     752.2111
   88       760.2732     756.5055     752.6273     748.6399     744.5445
   89       753.1374     749.2168     745.1822     741.0348     736.7757
   90       745.9124     741.8355     737.6409     733.3298     728.9033
   91       738.5970     734.3604     730.0022     725.5237     720.9259
   92       731.1903     726.7903     722.2649     717.6151     712.8422
   93       723.6909     719.1240     714.4276     709.6028     704.6506
   94       716.0979     711.3603     706.4890     701.4852     696.3499
   95       708.4099     703.4979     698.4480     693.2612     687.9385
   96       700.6258     695.5356     690.3030     684.9292     679.4149
 
                                                                Page 54(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     16.25        16.50        16.75        17.00        17.25
 
   49       940.8725     940.3340     939.7695     939.1799     938.5661
   50       937.6457     937.0593     936.4459     935.8066     935.1420
   51       934.3751     933.7396     933.0760     932.3855     931.6687
   52       931.0603     930.3742     929.6591     928.9159     928.1455
   53       927.7006     926.9626     926.1944     925.3971     924.5716
   54       924.2954     923.5040     922.6814     921.8285     920.9463
   55       920.8441     919.9980     919.1194     918.2094     917.2689
   56       917.3461     916.4436     915.5076     914.5390     913.5387
   57       913.8007     912.8405     911.8454     910.8165     909.7548
   58       910.2073     909.1878     908.1321     907.0414     905.9165
   59       906.5652     905.4848     904.3670     903.2128     902.0231
   60       902.8738     901.7310     900.5493     899.3299     898.0737
 
   61       898.4937     897.2773     896.0207     894.7249     893.3909
   62       894.0543     892.7624     891.4289     890.0546     888.6407
   63       889.5547     888.1855     886.7729     885.3182     883.8223
   64       884.9943     883.5456     882.0520     880.5147     878.9346
   65       880.3721     878.8419     877.2652     875.6431     873.9767
   66       875.6872     874.0735     872.4116     870.7026     868.9475
   67       870.9390     869.2396     867.4902     865.6920     863.8460
   68       866.1264     864.3392     862.5001     860.6104     858.6711
   69       861.2487     859.3714     857.4404     855.4569     853.4219
   70       856.3049     854.3353     852.3101     850.2303     848.0972
   71       851.2942     849.2300     847.1081     844.9298     842.6960
   72       846.2156     844.0545     841.8336     839.5541     837.2171
 
   73       840.4040     838.1337     835.8014     833.4084     830.9558
   74       834.5137     832.1315     829.6851     827.1757     824.6044
   75       828.5437     826.0467     823.4834     820.8547     818.1618
   76       822.4928     819.8783     817.1951     814.4441     811.6265
   77       816.3599     813.6251     810.8190     807.9427     804.9973
   78       810.1440     807.2859     804.3540     801.3493     798.2728
   79       803.8439     800.8595     797.7987     794.6624     791.4517
   80       797.4585     794.3448     791.1519     787.8807     784.5325
   81       790.9867     787.7405     784.4123     781.0030     777.5138
   82       784.4272     781.0454     777.5786     774.0279     770.3942
   83       777.7788     774.2582     770.6496     766.9540     763.1723
   84       771.0405     767.3778     763.6238     759.7798     755.8466
 
   85       763.5200     759.7016     755.7887     751.7824     747.6837
   86       755.8978     751.9199     747.8442     743.6718     739.4034
   87       748.1723     744.0312     739.7888     735.4462     731.0042
   88       740.3422     736.0340     731.6210     727.1041     722.4842
   89       732.4060     727.9269     723.3392     718.6438     713.8417
   90       724.3624     719.7083     714.9417     710.0637     705.0750
   91       716.2099     711.3766     706.4271     701.3620     696.1823
   92       707.9470     702.9305     697.7936     692.5371     687.1617
   93       699.5721     694.3682     689.0396     683.5871     678.0115
   94       691.0839     685.6881     680.1634     674.5103     668.7297
   95       682.4807     676.8887     671.1633     665.3050     659.3145
   96       673.7610     667.9683     662.0375     655.9692     649.7639
 
                                                                Page 54(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     15.00        15.25        15.50        15.75        16.00
 
   97       692.0788     686.7960     681.3662     675.7906     670.0698
   98       683.4250     677.9453     672.3140     666.5320     660.6002
   99       674.6630     668.9822     663.1449     657.1520     651.0042
  100       665.7915     659.9051     653.8573     647.6488     641.2804
  101       656.8091     650.7127     644.4497     638.0209     631.4268
  102       647.7144     641.4035     634.9206     628.2666     621.4419
  103       638.5061     631.9759     625.2685     618.3843     611.3239
  104       629.1826     622.4286     615.4917     608.3723     601.0710
  105       619.7426     612.7599     605.5885     598.2289     590.6813
  106       610.1846     602.9684     595.5575     587.9523     580.1531
  107       600.5071     593.0524     585.3969     577.5409     569.4846
  108       590.7087     583.0104     575.1051     566.9928     558.6738
 
  109       580.0956     572.1376     563.9662     555.5812     546.9827
  110       569.3498     561.1267     552.6834     544.0198     535.1357
  111       558.4697     549.9758     541.2549     532.3066     523.1308
  112       547.4535     538.6833     529.6787     520.4397     510.9658
  113       536.2997     527.2472     517.9531     508.4170     498.6385
  114       525.0065     515.6658     506.0759     496.2366     486.1470
  115       513.5721     503.9372     494.0454     483.8962     473.4888
  116       501.9948     492.0595     481.8595     471.3939     460.6619
  117       490.2727     480.0309     469.5162     458.7275     447.6640
  118       478.4041     467.8495     457.0134     445.8949     434.4928
  119       466.3872     455.5132     444.3492     432.8938     421.1459
  120       454.2201     443.0202     431.5213     419.7222     407.6211
 
  121       441.1810     429.6371     417.7851     405.6234     393.1504
  122       427.9789     416.0839     403.8715     391.3397     378.4867
  123       414.6117     402.3586     389.7781     376.8684     363.6275
  124       401.0775     388.4587     375.5027     362.2073     348.5702
  125       387.3741     374.3823     361.0429     347.3537     333.3121
  126       373.4995     360.1269     346.3963     332.3051     317.8506
  127       359.4513     345.6904     331.5606     317.0591     302.1829
  128       345.2276     331.0704     316.5332     301.6129     286.3063
  129       330.8261     316.2647     301.3117     285.9640     270.2180
  130       316.2446     301.2707     285.8936     270.1097     253.9153
  131       301.4808     286.0863     270.2764     254.0473     237.3951
  132       286.5324     270.7088     254.4574     237.7741     220.6547
 
  133       270.6485     254.3754     237.6617     220.5030     202.8948
  134       254.5661     237.8345     220.6491     203.0053     184.8982
  135       238.2827     221.0833     203.4167     185.2778     166.6616
  136       221.7957     204.1193     185.9617     167.3177     148.1818
  137       205.1026     186.9396     168.2813     149.1219     129.4557
  138       188.2008     169.5417     150.3725     130.6873     110.4798
  139       171.0878     151.9226     132.2323     112.0107      91.2510
  140       153.7608     134.0797     113.8579      93.0889      71.7657
  141       136.2173     116.0099      95.2461      73.9188      52.0207
  142       118.4545      97.7106      76.3940      54.4972      32.0124
  143       100.4697      79.1787      57.2983      34.8206      11.7373
  144        82.2600      60.4112      37.9559      14.8857       0.0000
 
                                                                Page 55(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     16.25        16.50        16.75        17.00        17.25
 
   97       664.2048     658.1962     652.0447     645.7508     639.3150
   98       654.5192     648.2897     641.9123     635.3876     628.7158
   99       644.7024     638.2470     631.6385     624.8775     617.9643
  100       634.7526     628.0662     621.2213     614.2186     607.0582
  101       624.6682     617.7454     610.6588     603.4087     595.9954
  102       614.4472     607.2826     599.9487     592.4456     584.7735
  103       604.0877     596.6761     589.0892     581.3273     573.3903
  104       593.5880     585.9237     578.0781     570.0514     561.8435
  105       582.9461     575.0234     566.9133     558.6157     550.1307
  106       572.1601     563.9733     555.5926     547.0181     538.2495
  107       561.2280     552.7712     544.1140     535.2562     526.1975
  108       550.1479     541.4151     532.4751     523.3276     513.9723
 
  109       538.1706     529.1446     519.9044     510.4496     500.7797
  110       526.0310     516.7053     507.1582     497.3892     487.3976
  111       513.7271     504.0951     494.2342     484.1437     473.8230
  112       501.2565     491.3114     481.1297     470.7106     460.0533
  113       488.6171     478.3519     467.8423     457.0872     446.0857
  114       475.8065     465.2143     454.3694     443.2708     431.9173
  115       462.8224     451.8960     440.7085     429.2587     417.5452
  116       449.6625     438.3946     426.8569     415.0481     402.9666
  117       436.3245     424.7076     412.8120     400.6361     388.1783
  118       422.8057     410.8323     398.5710     386.0200     373.1775
  119       409.1040     396.7663     384.1312     371.1968     357.9610
  120       395.2166     382.5068     369.4899     356.1636     342.5258
 
  121       380.3642     367.2627     353.8440     340.1058     326.0455
  122       365.3106     351.8090     337.9798     323.8205     309.3283
  123       350.0531     336.1428     321.8942     307.3044     292.3708
  124       334.5890     320.2612     305.5840     290.5544     275.1695
  125       318.9156     304.1612     289.0461     273.5671     257.7209
  126       303.0298     287.8399     272.2775     256.3392     240.0216
  127       286.9290     271.2941     255.2747     238.8672     222.0677
  128       270.6101     254.5208     238.0346     221.1477     203.8558
  129       254.0703     237.5169     220.5539     203.1771     185.3822
  130       237.3064     220.2792     202.8292     184.9520     166.6429
  131       220.3156     202.8044     184.8571     166.4687     147.6343
  132       203.0947     185.0894     166.6341     147.7235     128.3524
 
  133       184.8324     166.3107     147.3246     127.8686     107.9372
  134       166.3228     147.2737     127.7456     107.7325      87.2285
  135       147.5625     127.9750     107.8933      87.3111      66.2221
  136       128.5482     108.4110      87.7639      66.6004      44.9138
  137       109.2764      88.5779      67.3535      45.5962      23.2991
  138        89.7437      68.4721      46.6582      24.2946       1.3737
  139        69.9464      48.0899      25.6740       2.6911       0.0000
  140        49.8811      27.4274       4.3970       0.0000
  141        29.5440       6.4808       0.0000
  142         8.9315       0.0000
  143         0.0000
  144
 
                                                                Page 55(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 4.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     15.00        15.25        15.50        15.75        16.00
 
  145        63.0441      40.6144      17.5605       0.0000
  146        43.5880      20.5659       0.0000
  147        23.8887       0.2627
  148         3.9431       0.0000
  149         0.0000
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     16.25        16.50        16.75        17.00        17.25
 
  145
  146
  147
  148
  149
 
                                                                Page 56
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
    1       999.5576     999.5807     999.6026     999.6235     999.6434
    2       999.1115     999.1577     999.2017     999.2437     999.2836
    3       998.6618     998.7312     998.7974     998.8604     998.9205
    4       998.2082     998.3010     998.3894     998.4737     998.5540
    5       997.7509     997.8671     997.9780     998.0836     998.1842
    6       997.2898     997.4296     997.5629     997.6899     997.8110
    7       996.8248     996.9883     997.1442     997.2927     997.4343
    8       996.3560     996.5432     996.7218     996.8920     997.0542
    9       995.8832     996.0943     996.2957     996.4877     996.6707
   10       995.4065     995.6416     995.8659     996.0797     996.2836
   11       994.9259     995.1850     995.4323     995.6681     995.8930
   12       994.4412     994.7246     994.9950     995.2529     995.4987
 
   13       993.5137     993.8121     994.0964     994.3671     994.6247
   14       992.5785     992.8919     993.1900     993.4734     993.7427
   15       991.6355     991.9638     992.2756     992.5717     992.8527
   16       990.6846     991.0277     991.3533     991.6620     991.9544
   17       989.7258     990.0837     990.4229     990.7441     991.0479
   18       988.7590     989.1316     989.4843     989.8179     990.1331
   19       987.7842     988.1713     988.5375     988.8835     989.2100
   20       986.8012     987.2029     987.5825     987.9407     988.2783
   21       985.8101     986.2262     986.6191     986.9894     987.3382
   22       984.8106     985.2412     985.6472     986.0297     986.3894
   23       983.8029     984.2477     984.6669     985.0613     985.4319
   24       982.7868     983.2458     983.6779     984.0842     984.4656
 
   25       981.3014     981.7648     982.2001     982.6084     982.9905
   26       979.8037     980.2712     980.7094     981.1193     981.5019
   27       978.2935     978.7648     979.2056     979.6168     979.9996
   28       976.7707     977.2456     977.6886     978.1009     978.4836
   29       975.2353     975.7134     976.1584     976.5714     976.9536
   30       973.6870     974.1681     974.6148     975.0283     975.4097
   31       972.1258     972.6096     973.0577     973.4713     973.8516
   32       970.5516     971.0378     971.4869     971.9003     972.2792
   33       968.9644     969.4525     969.9024     970.3153     970.6924
   34       967.3638     967.8538     968.3041     968.7161     969.0910
   35       965.7500     966.2413     966.6917     967.1025     967.4750
   36       964.1227     964.6151     965.0653     965.4745     965.8442
 
   37       961.9980     962.4810     962.9203     963.3173     963.6734
   38       959.8557     960.3287     960.7566     961.1408     961.4827
   39       957.6955     958.1581     958.5740     958.9448     959.2720
   40       955.5173     955.9688     956.3723     956.7292     957.0410
   41       953.3210     953.7609     954.1513     954.4937     954.7895
   42       951.1063     951.5341     951.9109     952.2381     952.5174
   43       948.8732     949.2883     949.6508     949.9624     950.2245
   44       946.6215     947.0233     947.3710     947.6662     947.9106
   45       944.3510     944.7390     945.0713     945.3495     945.5754
   46       942.0616     942.4351     942.7514     943.0121     943.2188
   47       939.7532     940.1116     940.4112     940.6537     940.8407
   48       937.4254     937.7682     938.0506     938.2742     938.4407
 
                                                                Page 57(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
    1       999.6624     999.6804     999.6976     999.7139     999.7294
    2       999.3216     999.3578     999.3922     999.4249     999.4560
    3       998.9776     999.0320     999.0838     999.1330     999.1798
    4       998.6304     998.7032     998.7724     998.8382     998.9008
    5       998.2800     998.3712     998.4579     998.5405     998.6189
    6       997.9262     998.0360     998.1404     998.2397     998.3342
    7       997.5692     997.6976     997.8198     997.9360     998.0466
    8       997.2088     997.3559     997.4960     997.6293     997.7560
    9       996.8450     997.0110     997.1690     997.3194     997.4625
   10       996.4778     996.6628     996.8389     997.0065     997.1659
   11       996.1072     996.3112     996.5055     996.6904     996.8664
   12       995.7331     995.9563     996.1689     996.3712     996.5637
 
   13       994.8698     995.1028     995.3242     995.5345     995.7341
   14       993.9985     994.2412     994.4713     994.6894     994.8960
   15       993.1190     993.3712     993.6100     993.8359     994.0493
   16       992.2312     992.4930     992.7403     992.9738     993.1939
   17       991.3351     991.6063     991.8621     992.1031     992.3299
   18       990.4307     990.7112     990.9753     991.2237     991.4570
   19       989.5177     989.8074     990.0798     990.3355     990.5752
   20       988.5962     988.8950     989.1755     989.4384     989.6844
   21       987.6660     987.9739     988.2624     988.5324     988.7845
   22       986.7272     987.0439     987.3403     987.6173     987.8755
   23       985.7795     986.1050     986.4092     986.6930     986.9571
   24       984.8229     985.1571     985.4690     985.7595     986.0294
 
   25       983.3475     983.6802     983.9897     984.2766     984.5421
   26       981.8582     982.1892     982.4958     982.7790     983.0395
   27       980.3550     980.6839     980.9873     981.2663     981.5217
   28       978.8376     979.1641     979.4641     979.7385     979.9883
   29       977.3061     977.6298     977.9259     978.1954     978.4393
   30       975.7602     976.0808     976.3727     976.6369     976.8745
   31       974.1998     974.5170     974.8043     975.0628     975.2937
   32       972.6247     972.9381     973.2205     973.4730     973.6967
   33       971.0349     971.3442     971.6212     971.8673     972.0835
   34       969.4302     969.7349     970.0063     970.2455     970.4538
   35       967.8105     968.1102     968.3755     968.6075     968.8075
   36       966.1755     966.4700     966.7288     966.9531     967.1443
 
   37       963.9899     964.2681     964.5095     964.7152     964.8865
   38       961.7837     962.0452     962.2685     962.4549     962.6057
   39       959.5569     959.8009     960.0055     960.1719     960.3016
   40       957.3092     957.5351     957.7204     957.8662     957.9740
   41       955.0404     955.2477     955.4129     955.5374     955.6226
   42       952.7503     952.9383     953.0828     953.1853     953.2472
   43       950.4388     950.6067     950.7299     950.8096     950.8475
   44       948.1056     948.2528     948.3539     948.4103     948.4234
   45       945.7505     945.8764     945.9547     945.9869     945.9745
   46       943.3733     943.4772     943.5320     943.5393     943.5006
   47       940.9739     941.0550     941.0856     941.0672     941.0015
   48       938.5520     938.6096     938.6152     938.5704     938.4768
 
                                                                Page 57(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
   49       934.5704     934.8862     935.1398     935.3330     935.4675
   50       931.6915     931.9795     932.2036     932.3655     932.4671
   51       928.7887     929.0480     929.2416     929.3714     929.4392
   52       925.8617     926.0914     926.2538     926.3505     926.3835
   53       922.9102     923.1096     923.2398     923.3025     923.2998
   54       919.9342     920.1024     920.1994     920.2273     920.1878
   55       916.9334     917.0694     917.1325     917.1245     917.0473
   56       913.9076     914.0105     914.0386     913.9938     913.8780
   57       910.8565     910.9256     910.9178     910.8352     910.6797
   58       907.7801     907.8142     907.7696     907.6482     907.4521
   59       904.6780     904.6763     904.5939     904.4327     904.1948
   60       901.5500     901.5116     901.3903     901.1884     900.9077
 
   61       897.8626     897.7752     897.6029     897.3477     897.0117
   62       894.1445     894.0069     893.7822     893.4726     893.0800
   63       890.3955     890.2065     889.9282     889.5628     889.1122
   64       886.6151     886.3735     886.0404     885.6179     885.1081
   65       882.8033     882.5079     882.1186     881.6377     881.0673
   66       878.9597     878.6092     878.1625     877.6219     876.9894
   67       875.0841     874.6772     874.1718     873.5700     872.8741
   68       871.1762     870.7116     870.1461     869.4819     868.7211
   69       867.2357     866.7122     866.0853     865.3572     864.5301
   70       863.2624     862.6785     861.9889     861.1955     860.3006
   71       859.2560     858.6105     857.8566     856.9965     856.0324
   72       855.2161     854.5077     853.6882     852.7599     851.7250
 
   73       850.5826     849.7980     848.8996     847.8897     846.7704
   74       845.9105     845.0481     844.0691     842.9758     841.7705
   75       841.1995     840.2576     839.1963     838.0179     836.7247
   76       836.4492     835.4261     834.2809     833.0156     831.6326
   77       831.6593     830.5535     829.3225     827.9685     826.4938
   78       826.8295     825.6392     824.3207     822.8762     821.3080
   79       821.9594     820.6829     819.2751     817.7383     816.0746
   80       817.0488     815.6843     814.1854     812.5543     810.7932
   81       812.0973     810.6430     809.0511     807.3239     805.4635
   82       807.1044     805.5586     803.8719     802.0466     800.0848
   83       802.0700     800.4308     798.6474     796.7221     794.6569
   84       796.9936     795.2592     793.3772     791.3498     789.1792
 
   85       791.2869     789.4430     787.4479     785.3040     783.0132
   86       785.5327     783.5771     781.4668     779.2040     776.7907
   87       779.7305     777.6611     775.4334     773.0493     770.5111
   88       773.8799     771.6946     769.3471     766.8395     764.1740
   89       767.9806     765.6771     763.2076     760.5741     757.7788
   90       762.0321     759.6082     757.0143     754.2526     751.3249
   91       756.0341     753.4875     750.7669     747.8744     744.8119
   92       749.9860     747.3145     744.4648     741.4391     738.2392
   93       743.8876     741.0887     738.1076     734.9461     731.6063
   94       737.7384     734.8098     731.6947     728.3950     724.9125
   95       731.5379     728.4773     725.2258     721.7852     718.1574
   96       725.2857     722.0906     718.7002     715.1162     711.3404
 
                                                                Page 58(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
   49       935.5452     935.5675     935.5363     935.4532     935.3198
   50       932.5101     932.4963     932.4274     932.3049     932.1307
   51       929.4467     929.3957     929.2879     929.1251     928.9089
   52       926.3545     926.2654     926.1178     925.9135     925.6543
   53       923.2333     923.1050     922.9166     922.6698     922.3664
   54       920.0829     919.9144     919.6840     919.3937     919.0450
   55       916.9029     916.6932     916.4198     916.0847     915.6897
   56       913.6932     913.4411     913.1237     912.7427     912.3001
   57       910.4533     910.1578     909.7952     909.3673     908.8759
   58       907.1830     906.8431     906.4342     905.9581     905.4168
   59       903.8821     903.4967     903.0403     902.5149     901.9223
   60       900.5503     900.1181     899.6131     899.0372     898.3922
 
   61       896.5969     896.1053     895.5389     894.8996     894.1892
   62       892.6065     892.0541     891.4248     890.7206     889.9432
   63       888.5787     887.9641     887.2704     886.4998     885.6540
   64       884.5130     883.8348     883.0754     882.2368     881.3209
   65       880.4093     879.6660     878.8393     877.9311     876.9436
   66       876.2671     875.4572     874.5616     873.5825     872.5216
   67       872.0861     871.2081     870.2422     869.1903     868.0545
   68       867.8659     866.9183     865.8804     864.7542     863.5418
   69       863.6061     862.5873     861.4759     860.2738     858.9830
   70       859.3064     858.2149     857.0282     855.7485     854.3777
   71       854.9663     853.8005     852.5371     851.1780     849.7253
   72       850.5856     849.3439     848.0019     846.5618     845.0255
 
   73       845.5440     844.2126     842.7782     841.2430     839.6090
   74       840.4552     839.0321     837.5034     835.8710     834.1372
   75       835.3186     833.8020     832.1769     830.4454     828.6095
   76       830.1339     828.5217     826.7982     824.9654     823.0255
   77       824.9006     823.1909     821.3669     819.4307     817.3844
   78       819.6182     817.8089     815.8824     813.8406     811.6857
   79       814.2863     812.3754     810.3442     808.1946     805.9288
   80       808.9044     806.8898     804.7517     802.4922     800.1132
   81       803.4720     801.3517     799.1045     796.7327     794.2382
   82       797.9887     795.7604     793.4020     790.9156     788.3032
   83       792.4540     790.1156     787.6437     785.0404     782.3077
   84       786.8675     784.4167     781.8290     779.1064     776.2509
 
   85       780.5777     777.9996     775.2810     772.4239     769.4302
   86       774.2290     771.5211     768.6689     765.6745     762.5398
   87       767.8208     764.9804     761.9920     758.8576     755.5792
   88       761.3525     758.3771     755.2498     751.9726     748.5474
   89       754.8235     751.7105     748.4415     745.0187     741.4439
   90       748.2334     744.9800     741.5666     737.9953     734.2678
   91       741.5815     738.1850     734.6244     730.9016     727.0185
   92       734.8672     731.3248     727.6142     723.7370     719.6952
   93       728.0899     724.3990     720.5353     716.5008     712.2971
   94       721.2491     717.4067     713.3871     709.1922     704.8236
   95       714.3442     710.3475     706.1690     701.8105     697.2737
   96       707.3746     703.2206     698.8802     694.3550     689.6467
 
                                                                Page 58(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
   97       718.3640     715.0190     711.4740     707.7306     703.7908
   98       711.3847     707.8870     704.1845     700.2790     696.1721
   99       704.3471     700.6940     696.8312     692.7605     688.4835
  100       697.2510     693.4396     689.4136     685.1747     680.7245
  101       690.0957     686.1232     681.9311     677.5210     672.8943
  102       682.8807     678.7444     674.3832     669.7987     664.9923
  103       675.6057     671.3025     666.7692     662.0072     657.0179
  104       668.2700     663.7970     659.0885     654.1459     648.9704
  105       660.8732     656.2274     651.3407     646.2142     640.8492
  106       653.4147     648.5932     643.5251     638.2114     632.6535
  107       645.8941     640.8938     635.6410     630.1369     624.3827
  108       638.3108     633.1286     627.6880     621.9901     616.0360
 
  109       630.0161     624.6351     618.9897     613.0808     606.9093
  110       621.6522     616.0691     610.2152     604.0916     597.6990
  111       613.2186     607.4298     601.3640     595.0219     588.4043
  112       604.7148     598.7168     592.4353     585.8709     579.0243
  113       596.1400     589.9294     583.4285     576.6380     569.5584
  114       587.4938     581.0669     574.3429     567.3224     560.0057
  115       578.7756     572.1287     565.1778     557.9233     550.3654
  116       569.9847     563.1142     555.9325     548.4400     540.6367
  117       561.1206     554.0226     546.6063     538.8717     530.8189
  118       552.1826     544.8534     537.1985     529.2178     520.9111
  119       543.1701     535.6059     527.7084     519.4773     510.9124
  120       534.0825     526.2794     518.1352     509.6496     500.8222
 
  121       524.2385     516.1782     507.7688     499.0098     489.9007
  122       514.3124     505.9907     497.3116     488.2746     478.8791
  123       504.3036     495.7161     486.7630     477.4433     467.7565
  124       494.2114     485.3538     476.1220     466.5150     456.5319
  125       484.0351     474.9030     465.3879     455.4888     445.2044
  126       473.7741     464.3629     454.5599     444.3638     433.7731
  127       463.4275     453.7328     443.6372     433.1391     422.2370
  128       452.9946     443.0119     432.6189     421.8139     410.5952
  129       442.4749     432.1994     421.5041     410.3872     398.8466
  130       431.8674     421.2946     410.2922     398.8582     386.9904
  131       421.1716     410.2966     398.9821     387.2258     375.0254
  132       410.3867     399.2046     387.5730     375.4893     362.9508
 
  133       398.7971     387.2881     375.3192     362.8874     349.9899
  134       387.1110     375.2699     362.9581     350.1725     336.9102
  135       375.3274     363.1489     350.4888     337.3438     323.7106
  136       363.4457     350.9244     337.9104     324.4001     310.3900
  137       351.4650     338.5955     325.2220     311.3405     296.9473
  138       339.3844     326.1613     312.4225     298.1639     283.3813
  139       327.2032     313.6209     299.5111     284.8693     269.6910
  140       314.9204     300.9734     286.4867     271.4555     255.8752
  141       302.5353     288.2178     273.3483     257.9216     241.9328
  142       290.0470     275.3533     260.0949     244.2665     227.8625
  143       277.4546     262.3789     246.7256     230.4890     213.6633
  144       264.7572     249.2937     233.2393     216.5881     199.3339
 
                                                                Page 59(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
   97       699.6563     695.3287     690.8098     686.1012     681.2047
   98       691.8656     687.3611     682.6604     677.7649     672.6764
   99       684.0019     679.3172     674.4312     669.3453     664.0611
  100       676.0644     671.1962     666.1214     660.8415     655.3579
  101       668.0526     662.9974     657.7303     652.2526     646.5658
  102       659.9656     654.7200     649.2570     643.5778     637.6839
  103       651.8029     646.3633     640.7007     634.8163     628.7114
  104       643.5635     637.9265     632.0606     625.9672     619.6473
  105       635.2470     629.4089     623.3360     617.0295     610.4907
  106       626.8525     620.8096     614.5259     608.0025     601.2406
  107       618.3793     612.1279     605.6296     598.8853     591.8960
  108       609.8266     603.3630     596.6461     589.6768     582.4561
 
  109       600.4763     593.7826     586.8290     579.6165     572.1457
  110       591.0383     584.1103     576.9158     569.4555     561.7300
  111       581.5118     574.3454     566.9055     559.1929     551.2081
  112       571.8961     564.4868     556.7972     548.8276     540.5787
  113       562.1901     554.5338     546.5899     538.3587     529.8407
  114       552.3932     544.4854     536.2827     527.7852     518.9932
  115       542.5045     534.3408     525.8745     517.1059     508.0350
  116       532.5230     524.0989     515.3644     506.3198     496.9648
  117       522.4479     513.7588     504.7515     495.4258     485.7817
  118       512.2784     503.3196     494.0346     484.4229     474.4844
  119       502.0136     492.7805     483.2127     473.3100     463.0718
  120       491.6525     482.1403     472.2849     462.0859     451.5427
 
  121       480.4409     470.6300     460.4672     449.9518     439.0831
  122       469.1242     459.0094     448.5337     437.6963     426.4962
  123       457.7015     447.2774     436.4833     425.3182     413.7809
  124       446.1716     435.4330     424.3150     412.8164     400.9358
  125       434.5336     423.4751     412.0276     400.1895     387.9596
  126       422.7865     411.4026     399.6198     387.4364     374.8509
  127       410.9293     399.2144     387.0905     374.5558     361.6083
  128       398.9610     386.9094     374.4385     361.5463     348.2306
  129       386.8804     374.4865     361.6627     348.4068     334.7163
  130       374.6866     361.9445     348.7617     335.1358     321.0641
  131       362.3785     349.2823     335.7345     321.7322     307.2725
  132       349.9549     336.4988     322.5797     308.1945     293.3401
 
  133       336.6239     322.7863     308.4739     293.6836     278.4121
  134       323.1679     308.9423     294.2301     279.0277     263.3316
  135       309.5857     294.9656     279.8467     264.2252     248.0972
  136       295.8762     280.8551     265.3226     249.2747     232.7073
  137       282.0382     266.6092     250.6562     234.1747     217.1602
  138       268.0704     252.2269     235.8462     218.9237     201.4545
  139       253.9717     237.7067     220.8912     203.5201     185.5884
  140       239.7408     223.0474     205.7898     187.9626     169.5604
  141       225.3765     208.2476     190.5404     172.2494     153.3687
  142       210.8776     193.3060     175.1418     156.3792     137.0118
  143       196.2427     178.2211     159.5924     140.3502     120.4879
  144       181.4706     162.9917     143.8908     124.1609     103.7952
 
                                                                Page 59(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     10.00        10.25        10.50        10.75        11.00
 
  145       251.2036     235.3304     218.8528     201.7644     184.0588
  146       237.5371     221.2478     204.3403     186.8079     168.6436
  147       223.7566     207.0450     189.7009     171.7174     153.0872
  148       209.8613     192.7208     174.9334     156.4917     137.3881
  149       195.8502     178.2742     160.0366     141.1296     121.5451
  150       181.7224     163.7043     145.0095     125.6299     105.5570
  151       167.4768     149.0099     129.8510     109.9913      89.4222
  152       153.1125     134.1900     114.5598      94.2127      73.1395
  153       138.6286     119.2435      99.1348      78.2927      56.7076
  154       124.0239     104.1694      83.5748      62.2301      40.1251
  155       109.2975      88.9665      67.8787      46.0236      23.3905
  156        94.4484      73.6337      52.0452      29.6719       6.5026
 
  157        78.6875      57.3653      35.2518      12.3355       0.0000
  158        62.7953      40.9580      18.3115       0.0000
  159        46.7707      24.4105       1.2230
  160        30.6125       7.7217       0.0000
  161        14.3197       0.0000
  162         0.0000
 
                                                                Page 60(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     11.25        11.50        11.75        12.00        12.25
 
  145       165.7294     146.7695     127.1721     106.9301      86.0361
  146       149.8407     130.3919     110.2898      89.5270      68.0957
  147       133.8030     113.8572      93.2422      71.9499      49.9721
  148       117.6149      97.1642      76.0276      54.1970      31.6635
  149       101.2751      80.3111      58.6445      36.2665      13.1680
  150        84.7821      63.2965      41.0912      18.1568       0.0000
  151        68.1345      46.1189      23.3660       0.0000
  152        51.3308      28.7767       5.4673
  153        34.3696      11.2683       0.0000
  154        17.2493       0.0000
  155         0.0000
  156
 
  157
  158
  159
  160
  161
  162
 
                                                                Page 60(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
    1       999.7441     999.7581     999.7713     999.7839     999.7959
    2       999.4855     999.5136     999.5402     999.5655     999.5895
    3       999.2242     999.2665     999.3066     999.3446     999.3807
    4       998.9603     999.0167     999.0704     999.1213     999.1696
    5       998.6935     998.7644     998.8316     998.8955     998.9562
    6       998.4240     998.5093     998.5903     998.6673     998.7403
    7       998.1517     998.2515     998.3464     998.4365     998.5220
    8       997.8765     997.9910     998.0998     998.2032     998.3013
    9       997.5985     997.7277     997.8506     997.9672     998.0780
   10       997.3175     997.4617     997.5986     997.7287     997.8523
   11       997.0337     997.1928     997.3440     997.4876     997.6240
   12       996.7469     996.9210     997.0865     997.2438     997.3931
 
   13       995.9234     996.1030     996.2732     996.4344     996.5870
   14       995.0914     995.2763     995.4511     995.6161     995.7718
   15       994.2508     994.4409     994.6200     994.7887     994.9474
   16       993.4013     993.5965     993.7800     993.9522     994.1137
   17       992.5431     992.7432     992.9308     993.1065     993.2707
   18       991.6759     991.8808     992.0725     992.2514     992.4181
   19       990.7996     991.0093     991.2048     991.3869     991.5560
   20       989.9142     990.1285     990.3278     990.5128     990.6842
   21       989.0196     989.2383     989.4412     989.6291     989.8025
   22       988.1157     988.3387     988.5451     988.7356     988.9110
   23       987.2024     987.4295     987.6392     987.8323     988.0094
   24       986.2795     986.5107     986.7236     986.9190     987.0977
 
   25       984.7868     985.0115     985.2172     985.4046     985.5744
   26       983.2784     983.4965     983.6946     983.8734     984.0339
   27       981.7544     981.9654     982.1554     982.3254     982.4761
   28       980.2145     980.4179     980.5996     980.7603     980.9008
   29       978.6585     978.8541     979.0269     979.1778     979.3078
   30       977.0864     977.2736     977.4372     977.5779     977.6968
   31       975.4979     975.6764     975.8302     975.9604     976.0677
   32       973.8928     974.0621     974.2059     974.3249     974.4203
   33       972.2710     972.4308     972.5639     972.6715     972.7544
   34       970.6323     970.7820     970.9042     970.9997     971.0697
   35       968.9765     969.1158     969.2264     969.3095     969.3661
   36       967.3035     967.4319     967.5305     967.6007     967.6433
 
   37       965.0247     965.1310     965.2065     965.2523     965.2697
   38       962.7222     962.8057     962.8572     962.8781     962.8694
   39       960.3957     960.4557     960.4826     960.4777     960.4421
   40       958.0450     958.0807     958.0821     958.0507     957.9875
   41       955.6698     955.6804     955.6557     955.5969     955.5053
   42       953.2699     953.2547     953.2030     953.1161     952.9951
   43       950.8449     950.8032     950.7237     950.6078     950.4567
   44       948.3947     948.3257     948.2176     948.0719     947.8898
   45       945.9190     945.8218     945.6843     945.5079     945.2940
   46       943.4175     943.2913     943.1236     942.9157     942.6690
   47       940.8899     940.7340     940.5351     940.2948     940.0144
   48       938.3360     938.1494     937.9186     937.6450     937.3300
 
                                                                Page 61(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
    1       999.8072     999.8179     999.8281     999.8378     999.8469
    2       999.6122     999.6338     999.6542     999.6736     999.6919
    3       999.4150     999.4475     999.4782     999.5074     999.5351
    4       999.2155     999.2590     999.3002     999.3392     999.3763
    5       999.0137     999.0683     999.1200     999.1690     999.2155
    6       998.8096     998.8753     998.9377     998.9968     999.0528
    7       998.6032     998.6802     998.7532     998.8224     998.8880
    8       998.3944     998.4827     998.5665     998.6460     998.7213
    9       998.1832     998.2830     998.3776     998.4674     998.5525
   10       997.9696     998.0809     998.1865     998.2866     998.3816
   11       997.7535     997.8764     997.9931     998.1037     998.2086
   12       997.5350     997.6696     997.7974     997.9186     998.0335
 
   13       996.7314     996.8679     996.9970     997.1189     997.2340
   14       995.9186     996.0569     996.1871     996.3096     996.4247
   15       995.0965     995.2364     995.3676     995.4905     995.6054
   16       994.2649     994.4064     994.5384     994.6615     994.7760
   17       993.4239     993.5666     993.6993     993.8225     993.9365
   18       992.5732     992.7171     992.8503     992.9733     993.0866
   19       991.7127     991.8576     991.9912     992.1139     992.2263
   20       990.8424     990.9881     991.1219     991.2441     991.3555
   21       989.9621     990.1085     990.2422     990.3638     990.4739
   22       989.0718     989.2186     989.3521     989.4729     989.5815
   23       988.1712     988.3184     988.4515     988.5712     988.6781
   24       987.2603     987.4076     987.5401     987.6586     987.7636
 
   25       985.7273     985.8641     985.9855     986.0921     986.1845
   26       984.1767     984.3027     984.4124     984.5066     984.5860
   27       982.6084     982.7230     982.8206     982.9020     982.9678
   28       981.0221     981.1249     981.2099     981.2780     981.3298
   29       979.4176     979.5081     979.5801     979.6344     979.6717
   30       977.7947     977.8725     977.9310     977.9709     977.9931
   31       976.1533     976.2178     976.2622     976.2873     976.2939
   32       974.4930     974.5438     974.5737     974.5834     974.5739
   33       972.8137     972.8503     972.8650     972.8589     972.8327
   34       971.1151     971.1370     971.1361     971.1135     971.0700
   35       969.3971     969.4037     969.3867     969.3471     969.2858
   36       967.6595     967.6502     967.6165     967.5593     967.4796
 
   37       965.2596     965.2231     965.1612     965.0749     964.9651
   38       962.8322     962.7676     962.6767     962.5604     962.4198
   39       960.3770     960.2836     960.1627     960.0156     959.8432
   40       957.8937     957.7705     957.6189     957.4400     957.2349
   41       955.3819     955.2281     955.0449     954.8333     954.5945
   42       952.8414     952.6561     952.4403     952.1951     951.9217
   43       950.2717     950.0540     949.8047     949.5251     949.2161
   44       947.6726     947.4216     947.1379     946.8227     946.4772
   45       945.0438     944.7585     944.4394     944.0877     943.7046
   46       942.3847     942.0643     941.7089     941.3197     940.8979
   47       939.6953     939.3387     938.9459     938.5182     938.0568
   48       936.9750     936.5813     936.1501     935.6829     935.1807
 
                                                                Page 61(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
   49       935.1377     934.9084     934.6335     934.3143     933.9524
   50       931.9062     931.6330     931.3127     930.9469     930.5368
   51       928.6409     928.3228     927.9560     927.5422     927.0828
   52       925.3417     924.9774     924.5630     924.1000     923.5899
   53       922.0081     921.5965     921.1332     920.6197     920.0578
   54       918.6398     918.1796     917.6662     917.1011     916.4859
   55       915.2363     914.7264     914.1616     913.5435     912.8738
   56       911.7975     911.2366     910.6191     909.9467     909.2210
   57       908.3228     907.7096     907.0382     906.3102     905.5272
   58       904.8119     904.1452     903.4186     902.6336     901.7918
   59       901.2644     900.5429     899.7597     898.9163     898.0144
   60       897.6800     896.9024     896.0611     895.1580     894.1945
 
   61       893.4096     892.5627     891.6503     890.6740     889.6355
   62       889.0948     888.1769     887.1916     886.1405     885.0253
   63       884.7349     883.7445     882.6846     881.5569     880.3631
   64       880.3297     879.2651     878.1288     876.9227     875.6485
   65       875.8786     874.7380     873.5236     872.2373     870.8809
   66       871.3811     870.1628     868.8686     867.5003     866.0596
   67       866.8368     865.5390     864.1631     862.7109     861.1841
   68       862.2451     860.8661     859.4067     857.8686     856.2537
   69       857.6056     856.1436     854.5987     852.9729     851.2679
   70       852.9178     851.3708     849.7386     848.0231     846.2260
   71       848.1812     846.5474     844.8259     843.0186     841.1273
   72       843.3952     841.6727     839.8599     837.9589     835.9713
 
   73       837.8783     836.0527     834.1343     832.1249     830.0264
   74       832.3039     830.3730     828.3466     826.2265     824.0146
   75       826.6715     824.6330     822.4962     820.2630     817.9351
   76       820.9803     818.8320     816.5825     814.2336     811.7873
   77       815.2299     812.9694     810.6047     808.1377     805.5702
   78       809.4196     807.0445     804.5621     801.9744     799.2833
   79       803.5488     801.0566     798.4540     795.7431     792.9256
   80       797.6169     795.0051     792.2798     789.4430     786.4964
   81       791.6231     788.8893     786.0387     783.0733     779.9949
   82       785.5669     782.7085     779.7300     776.6333     773.4202
   83       779.4476     776.4620     773.3530     770.1222     766.7716
   84       773.2646     770.1492     766.9068     763.5392     760.0481
 
   85       766.3020     763.0412     759.6496     756.1292     752.4816
   86       759.2669     755.8576     752.3138     748.6373     744.8299
   87       752.1586     748.5978     744.8986     741.0628     737.0921
   88       744.9762     741.2608     737.4030     733.4046     729.2673
   89       737.7190     733.8458     729.8262     725.6618     721.3545
   90       730.3861     726.3520     722.1673     717.8336     713.3526
   91       722.9769     718.7787     714.4254     709.9189     705.2607
   92       715.4906     711.1248     706.5997     701.9168     697.0778
   93       707.9262     703.3897     698.6892     693.8264     688.8028
   94       700.2830     695.5723     690.6930     685.6466     680.4348
   95       692.5603     687.6719     682.6101     677.3765     671.9725
   96       684.7570     679.6875     674.4397     669.0151     663.4151
 
                                                                Page 62(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
   49       933.5491     933.1059     932.6239     932.1045     931.5489
   50       930.0840     929.5899     929.0557     928.4829     927.8725
   51       926.5792     926.0329     925.4452     924.8175     924.1510
   52       923.0343     922.4344     921.7918     921.1078     920.3836
   53       919.4487     918.7940     918.0951     917.3533     916.5700
   54       915.8220     915.1111     914.3544     913.5534     912.7095
   55       912.1538     911.3852     910.5693     909.7077     908.8015
   56       908.4435     907.6158     906.7393     905.8154     904.8455
   57       904.6908     903.8025     902.8638     901.8761     900.8409
   58       900.8950     899.9446     898.9422     897.8892     896.7871
   59       897.0558     896.0418     894.9741     893.8542     892.6834
   60       893.1725     892.0934     890.9589     889.7704     888.5293
 
   61       888.5367     887.3789     886.1638     884.8930     883.5678
   62       883.8477     882.6093     881.3118     879.9566     878.5453
   63       879.1050     877.7842     876.4022     874.9607     873.4611
   64       874.3080     872.9027     871.4343     869.9043     868.3143
   65       869.4559     867.9642     866.4074     864.7869     863.1044
   66       864.5483     862.9682     861.3207     859.6076     857.8303
   67       859.5845     857.9138     856.1737     854.3658     852.4915
   68       854.5638     852.8005     850.9656     849.0606     847.0870
   69       849.4856     847.6276     845.6956     843.6913     841.6161
   70       844.3491     842.3943     840.3630     838.2571     836.0780
   71       839.1539     837.0999     834.9672     832.7572     830.4717
   72       833.8990     831.7438     829.5072     827.1910     824.7966
 
   73       827.8405     825.5690     823.2136     820.7760     818.2576
   74       821.7126     819.3223     816.8453     814.2834     811.6382
   75       815.5144     813.0026     810.4014     807.7125     804.9374
   76       809.2452     806.6092     803.8810     801.0621     798.1542
   77       802.9042     800.1412     797.2831     794.3314     791.2877
   78       796.4905     793.5978     790.6069     787.5194     784.3368
   79       790.0033     786.9780     783.8514     780.6250     777.3004
   80       783.4418     780.2810     777.0157     773.6473     770.1776
   81       776.8052     773.5059     770.0988     766.5853     762.9672
   82       770.0924     766.6517     763.0997     759.4380     755.6682
   83       763.3028     759.7176     756.0176     752.2043     748.2794
   84       756.4353     752.7025     748.8513     744.8833     740.7999
 
   85       748.7085     744.8117     740.7928     736.6532     732.3945
   86       740.8932     736.8289     732.6385     728.3237     723.8858
   87       732.9883     728.7529     724.3875     719.8935     715.2726
   88       724.9928     720.5826     716.0384     711.3615     706.5534
   89       716.9057     712.3171     707.5902     702.7264     697.7271
   90       708.7259     703.9551     699.0417     693.9870     688.7923
   91       700.4525     695.4956     690.3916     685.1419     679.7477
   92       692.0842     686.9374     681.6389     676.1900     670.5919
   93       683.6200     678.2793     672.7822     667.1299     661.3236
   94       675.0588     669.5202     663.8203     657.9603     651.9413
   95       666.3996     660.6590     654.7520     648.6799     642.4438
   96       657.6411     651.6943     645.5760     639.2874     632.8295
 
                                                                Page 62(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
   97       676.1217     670.8538     665.4026     659.7694     653.9556
   98       667.3964     661.9262     656.2675     650.4215     644.3897
   99       658.5801     652.9038     647.0335     640.9705     634.7161
  100       649.6721     643.7855     637.6994     631.4150     624.9337
  101       640.6713     634.5703     628.2642     621.7541     615.0412
  102       631.5767     625.2572     618.7268     611.9865     605.0375
  103       622.3873     615.8451     609.0860     602.1111     594.9212
  104       613.1023     606.3331     599.3409     592.1266     584.6911
  105       603.7205     596.7200     589.4901     582.0318     574.3459
  106       594.2410     587.0047     579.5327     571.8256     563.8844
  107       584.6627     577.1862     569.4673     561.5067     553.3051
  108       574.9847     567.2634     559.2930     551.0739     542.6068
 
  109       564.4175     556.4324     548.1912     539.6942     530.9421
  110       553.7401     545.4863     536.9691     528.1889     519.1461
  111       542.9516     534.4240     525.6255     516.5566     507.2174
  112       532.0507     523.2440     514.1590     504.7958     495.1545
  113       521.0362     511.9453     502.5683     492.9051     482.9558
  114       509.9070     500.5266     490.8520     480.8832     470.6200
  115       498.6618     488.9865     479.0088     468.7285     458.1454
  116       487.2996     477.3238     467.0372     456.4396     445.5304
  117       475.8189     465.5372     454.9360     444.0150     432.7735
  118       464.2187     453.6253     442.7037     431.4532     419.8731
  119       452.4977     441.5869     430.3389     418.7527     406.8276
  120       440.6545     429.4206     417.8401     405.9120     393.6353
 
  121       427.8601     416.2821     404.3479     392.0563     379.4061
  122       414.9325     403.0040     390.7095     378.0476     365.0169
  123       401.8702     389.5848     376.9233     363.8842     350.4658
  124       388.6719     376.0231     362.9879     349.5644     335.7510
  125       375.3360     362.3173     348.9014     335.0865     320.8706
  126       361.8613     348.4658     334.6623     320.4488     305.8228
  127       348.2462     334.4671     320.2690     305.6494     290.6058
  128       334.4892     320.3198     305.7198     290.6866     275.2175
  129       320.5890     306.0221     291.0129     275.5586     259.6562
  130       306.5439     291.5725     276.1467     260.2636     243.9198
  131       292.3526     276.9694     261.1195     244.7997     228.0063
  132       278.0134     262.2111     245.9295     229.1650     211.9138
 
  133       262.6557     246.4109     229.6739     212.4408     194.7074
  134       247.1380     230.4429     213.2423     195.5320     177.3074
  135       231.4586     214.3052     196.6327     178.4364     159.7117
  136       215.6159     197.9961     179.8431     161.1521     141.9180
  137       199.6081     181.5136     162.8716     143.6769     123.9242
  138       183.4337     164.8561     145.7163     126.0088     105.7279
  139       167.0907     148.0215     128.3751     108.1456      87.3269
  140       150.5775     131.0081     110.8461      90.0852      68.7189
  141       133.8923     113.8139      93.1272      71.8253      49.9015
  142       117.0333      96.4371      75.2163      53.3639      30.8725
  143        99.9986      78.8756      57.1113      34.6985      11.6294
  144        82.7866      61.1275      38.8103      15.8271       0.0000
 
                                                                Page 63(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
   97       647.9626     641.7915     635.4435     628.9198     622.2214
   98       638.1731     631.7731     625.1907     618.4270     611.4830
   99       628.2715     621.6378     614.8161     607.8074     600.6125
  100       618.2564     611.3843     604.3184     597.0595     589.6085
  101       608.1266     601.0112     593.6959     586.1817     578.4692
  102       597.8807     590.5170     582.9474     575.1725     567.1930
  103       587.5174     579.9004     572.0712     564.0302     555.7781
  104       577.0353     569.1600     561.0658     552.7533     544.2230
  105       566.4332     558.2942     549.9297     541.3401     532.5258
  106       555.7095     547.3017     538.6614     529.7890     520.6849
  107       544.8630     536.1810     527.2593     518.0984     508.6984
  108       533.8922     524.9305     515.7218     506.2665     496.5646
 
  109       521.9350     512.6734     503.1573     493.3870     483.3623
  110       509.8408     500.2733     490.4437     480.3519     469.9977
  111       497.6080     487.7286     477.5791     467.1592     456.4689
  112       485.2351     475.0375     464.5617     453.8072     442.7737
  113       472.7203     462.1984     451.3897     440.2938     428.9102
  114       460.0622     449.2094     438.0613     426.6171     414.8764
  115       447.2590     436.0690     424.5746     412.7752     400.6700
  116       434.3091     422.7752     410.9278     398.7660     386.2890
  117       421.2109     409.3263     397.1189     384.5876     371.7312
  118       407.9625     395.7205     383.1460     370.2378     356.9945
  119       394.5624     381.9560     369.0072     355.7146     342.0767
  120       381.0087     368.0309     354.7005     341.0160     326.9755
 
  121       366.3960     353.0243     339.2895     325.1898     310.7233
  122       351.6158     337.8426     323.6955     309.1725     294.2714
  123       336.6663     322.4838     307.9163     292.9616     277.6173
  124       321.5455     306.9458     291.9497     276.5548     260.7585
  125       306.2514     291.2265     275.7936     259.9498     243.6925
  126       290.7820     275.3239     259.4455     243.1441     226.4167
  127       275.1355     259.2357     242.9034     226.1354     208.9285
  128       259.3096     242.9598     226.1647     208.9212     191.2254
  129       243.3024     226.4940     209.2274     191.4989     173.3047
  130       227.1118     209.8361     192.0889     173.8661     155.1637
  131       210.7357     192.9839     174.7468     156.0203     136.7997
  132       194.1719     175.9350     157.1989     137.9588     118.2100
 
  133       176.4694     157.7223     138.4614     118.6817      98.3782
  134       158.5641     139.2971     119.5014      99.1717      78.3027
  135       140.4536     120.6569     100.3162      79.4260      57.9804
  136       122.1355     101.7992      80.9032      59.4417      37.4083
  137       103.6076      82.7215      61.2597      39.2159      16.5834
  138        84.8674      63.4213      41.3829      18.7457       0.0000
  139        65.9125      43.8959      21.2701       0.0000
  140        46.7404      24.1427       0.9185
  141        27.3486       4.1590       0.0000
  142         7.7345       0.0000
  143         0.0000
  144
 
                                                                Page 63(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     12.50        12.75        13.00        13.25        13.50
 
  145        64.4825      42.2615      19.3650       0.0000
  146        45.9878      23.1951       0.0000
  147        27.3004       3.9261
  148         8.4184       0.0000
  149         0.0000
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     13.75        14.00        14.25        14.50        14.75
 
  145
  146
  147
  148
  149
 
                                                                Page 64
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     15.00        15.25        15.50        15.75        16.00
 
    1       999.8556     999.8637     999.8715     999.8788     999.8858
    2       999.7093     999.7258     999.7413     999.7561     999.7700
    3       999.5612     999.5860     999.6095     999.6317     999.6527
    4       999.4113     999.4445     999.4759     999.5057     999.5338
    5       999.2595     999.3012     999.3407     999.3780     999.4134
    6       999.1058     999.1561     999.2037     999.2487     999.2913
    7       998.9502     999.0091     999.0649     999.1177     999.1676
    8       998.7926     998.8603     998.9243     998.9849     999.0423
    9       998.6331     998.7095     998.7819     998.8504     998.9153
   10       998.4716     998.5569     998.6377     998.7142     998.7866
   11       998.3080     998.4023     998.4916     998.5761     998.6562
   12       998.1424     998.2457     998.3436     998.4363     998.5240
 
   13       997.3426     997.4449     997.5414     997.6322     997.7177
   14       996.5327     996.6340     996.7289     996.8177     996.9007
   15       995.7127     995.8127     995.9059     995.9924     996.0727
   16       994.8824     994.9810     995.0722     995.1564     995.2338
   17       994.0418     994.1388     994.2278     994.3093     994.3836
   18       993.1907     993.2858     993.3725     993.4511     993.5221
   19       992.3289     992.4220     992.5061     992.5817     992.6491
   20       991.4563     991.5472     991.6286     991.7009     991.7645
   21       990.5729     990.6613     990.7397     990.8085     990.8681
   22       989.6784     989.7642     989.8393     989.9043     989.9597
   23       988.7727     988.8556     988.9273     988.9884     989.0392
   24       987.8557     987.9355     988.0035     988.0603     988.1064
 
   25       986.2634     986.3293     986.3829     986.4247     986.4553
   26       984.6512     984.7028     984.7414     984.7677     984.7820
   27       983.0188     983.0556     983.0787     983.0888     983.0865
   28       981.3661     981.3874     981.3945     981.3880     981.3684
   29       979.6926     979.6981     979.6886     979.6648     979.6274
   30       977.9983     977.9872     977.9606     977.9190     977.8631
   31       976.2828     976.2547     976.2103     976.1503     976.0754
   32       974.5458     974.5001     974.4373     974.3583     974.2637
   33       972.7872     972.7232     972.6415     972.5429     972.4280
   34       971.0065     970.9237     970.8225     970.7036     970.5677
   35       969.2036     969.1014     968.9800     968.8402     968.6827
   36       967.3781     967.2559     967.1137     966.9523     966.7725
 
   37       964.8328     964.6789     964.5042     964.3095     964.0956
   38       962.2557     962.0691     961.8609     961.6319     961.3829
   39       959.6464     959.4262     959.1836     958.9192     958.6341
   40       957.0045     956.7497     956.4716     956.1710     955.8487
   41       954.3295     954.0392     953.7246     953.3866     953.0261
   42       951.6211     951.2942     950.9421     950.5657     950.1659
   43       948.8788     948.5144     948.1237     947.7078     947.2675
   44       946.1023     945.6992     945.2689     944.8123     944.3305
   45       943.2911     942.8483     942.3772     941.8789     941.3543
   46       940.4447     939.9611     939.4482     938.9070     938.3385
   47       937.5627     937.0372     936.4813     935.8960     935.2824
   48       934.6447     934.0762     933.4761     932.8456     932.1856
 
                                                                Page 65(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     16.25        16.50        16.75        17.00        17.25
 
    1       999.8923     999.8985     999.9044     999.9099     999.9151
    2       999.7832     999.7956     999.8074     999.8186     999.8291
    3       999.6726     999.6914     999.7091     999.7259     999.7418
    4       999.5605     999.5856     999.6094     999.6319     999.6532
    5       999.4468     999.4784     999.5084     999.5366     999.5633
    6       999.3317     999.3698     999.4059     999.4400     999.4722
    7       999.2149     999.2597     999.3020     999.3420     999.3798
    8       999.0966     999.1480     999.1966     999.2425     999.2860
    9       998.9767     999.0348     999.0898     999.1417     999.1909
   10       998.8552     998.9200     998.9814     999.0395     999.0944
   11       998.7320     998.8037     998.8716     998.9358     998.9965
   12       998.6071     998.6858     998.7602     998.8306     998.8972
 
   13       997.7981     997.8737     997.9446     998.0111     998.0735
   14       996.9782     997.0504     997.1176     997.1800     997.2380
   15       996.1471     996.2158     996.2790     996.3372     996.3904
   16       995.3048     995.3697     995.4288     995.4823     995.5307
   17       994.4510     994.5119     994.5666     994.6154     994.6586
   18       993.5857     993.6424     993.6925     993.7362     993.7739
   19       992.7087     992.7610     992.8061     992.8445     992.8766
   20       991.8199     991.8674     991.9074     991.9403     991.9663
   21       990.9189     990.9615     990.9961     991.0232     991.0430
   22       990.0058     990.0431     990.0721     990.0931     990.1064
   23       989.0803     989.1122     989.1352     989.1498     989.1563
   24       988.1423     988.1684     988.1852     988.1931     988.1926
 
   25       986.4750     986.4845     986.4842     986.4745     986.4559
   26       984.7851     984.7774     984.7593     984.7315     984.6942
   27       983.0723     983.0468     983.0105     982.9638     982.9072
   28       981.3364     981.2925     981.2372     981.1710     981.0945
   29       979.5769     979.5140     979.4391     979.3529     979.2557
   30       977.7936     977.7110     977.6160     977.5090     977.3905
   31       975.9862     975.8833     975.7674     975.6389     975.4985
   32       974.1542     974.0304     973.8930     973.7424     973.5793
   33       972.2975     972.1521     971.9924     971.8190     971.6325
   34       970.4156     970.2479     970.0653     969.8684     969.6578
   35       968.5083     968.3176     968.1113     967.8901     967.6546
   36       966.5751     966.3607     966.1301     965.8838     965.6226
 
   37       963.8633     963.6133     963.3464     963.0632     962.7644
   38       961.1148     960.8282     960.5239     960.2026     959.8650
   39       958.3291     958.0048     957.6620     957.3015     956.9240
   40       955.5056     955.1425     954.7602     954.3593     953.9407
   41       952.6439     952.2409     951.8178     951.3754     950.9145
   42       949.7435     949.2994     948.8344     948.3493     947.8448
   43       946.8038     946.3174     945.8093     945.2802     944.7310
   44       943.8242     943.2945     942.7420     942.1677     941.5724
   45       940.8044     940.2300     939.6319     939.0111     938.3684
   46       937.7436     937.1233     936.4784     935.8098     935.1183
   47       934.6414     933.9739     933.2809     932.5632     931.8216
   48       931.4972     930.7812     930.0387     929.2705     928.4774
 
                                                                Page 65(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     15.00        15.25        15.50        15.75        16.00
 
   49       930.9584     930.3341     929.6770     928.9884     928.2691
   50       927.2260     926.5444     925.8289     925.0805     924.3004
   51       923.4469     922.7065     921.9310     921.1214     920.2788
   52       919.6206     918.8199     917.9828     917.1103     916.2036
   53       915.7465     914.8839     913.9836     913.0466     912.0741
   54       911.8239     910.8979     909.9327     908.9295     907.8894
   55       907.8523     906.8612     905.8295     904.7584     903.6490
   56       903.8311     902.7732     901.6733     900.5326     899.3521
   57       899.7596     898.6333     897.4635     896.2513     894.9978
   58       895.6372     894.4408     893.1992     891.9137     890.5855
   59       891.4632     890.1950     888.8799     887.5193     886.1144
   60       887.2371     885.8952     884.5048     883.0672     881.5837
 
   61       882.1897     880.7601     879.2803     877.7516     876.1752
   62       877.0792     875.5598     873.9884     872.3663     870.6947
   63       871.9048     870.2934     868.6281     866.9102     865.1410
   64       866.6658     864.9601     863.1986     861.3826     859.5134
   65       861.3612     859.5590     857.6989     855.7824     853.8107
   66       855.9904     854.0892     852.1282     850.1087     848.0319
   67       850.5524     848.5500     846.4856     844.3605     842.1761
   68       845.0464     842.9403     840.7700     838.5369     836.2423
   69       839.4717     837.2594     834.9806     832.6368     830.2293
   70       833.8272     831.5062     829.1165     826.6594     824.1361
   71       828.1122     825.6800     823.1766     820.6034     817.9617
   72       822.3257     819.7797     817.1600     814.4680     811.7050
 
   73       815.6600     812.9848     810.2332     807.4068     804.5067
   74       808.9110     806.1035     803.2170     800.2528     797.2124
   75       802.0776     799.1347     796.1101     793.0050     789.8209
   76       795.1588     792.0774     788.9114     785.6621     782.3308
   77       788.1536     784.9304     781.6197     778.2228     774.7408
   78       781.0607     777.6926     774.2339     770.6858     767.0497
   79       773.8792     770.3628     766.7526     763.0499     759.2560
   80       766.6080     762.9399     759.1747     755.3138     751.3584
   81       759.2458     755.4226     751.4990     747.4762     743.3555
   82       751.7916     747.8098     743.7240     739.5356     735.2458
   83       744.2443     740.1002     735.8487     731.4909     727.0281
   84       736.6025     732.2927     727.8716     723.3406     718.7008
 
   85       728.0181     723.5253     718.9175     714.1957     709.3613
   86       719.3263     714.6465     709.8476     704.9309     699.8974
   87       710.5259     705.6548     700.6606     695.5444     690.3073
   88       701.6155     696.5489     691.3549     686.0347     680.5893
   89       692.5937     687.3273     681.9291     676.4002     670.7418
   90       683.4591     677.9884     672.3815     666.6393     660.7629
   91       674.2103     668.5309     662.7105     656.7502     650.6510
   92       664.8460     658.9532     652.9147     646.7314     640.4043
   93       655.3645     649.2538     642.9923     636.5811     630.0209
   94       645.7646     639.4311     632.9418     626.2975     619.4991
   95       636.0447     629.4836     622.7614     615.8790     608.8370
   96       626.2032     619.4096     612.4495     605.3237     598.0328
 
                                                                Page 66(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     16.25        16.50        16.75        17.00        17.25
 
   49       927.5203     926.7429     925.9378     925.1060     924.2482
   50       923.4896     922.6491     921.7797     920.8825     919.9582
   51       919.4044     918.4989     917.5636     916.5991     915.6066
   52       915.2638     914.2917     913.2885     912.2551     911.1924
   53       911.0671     910.0267     908.9539     907.8496     906.7147
   54       906.8136     905.7030     904.5587     903.3816     902.1727
   55       902.5025     901.3198     900.1021     898.8503     897.5654
   56       898.1330     896.8764     895.5834     894.2549     892.8918
   57       893.7044     892.3719     891.0016     889.5943     888.1511
   58       889.2157     887.8055     886.3558     884.8677     883.3422
   59       884.6663     883.1762     881.6452     880.0742     878.4642
   60       880.0553     878.4834     876.8688     875.2127     873.5161
 
   61       874.5523     872.8841     871.1716     869.4159     867.6181
   62       868.9748     867.2079     865.3949     863.5370     861.6352
   63       863.3218     861.4536     859.5376     857.5748     855.5664
   64       857.5922     855.6202     853.5985     851.5282     849.4103
   65       851.7850     849.7066     847.5765     845.3959     843.1657
   66       845.8992     843.7117     841.4705     839.1767     836.8314
   67       839.9337     837.6343     835.2792     832.8694     830.4060
   68       833.8874     831.4734     829.0015     826.4727     823.8882
   69       827.7592     825.2278     822.6362     819.9855     817.2768
   70       821.5480     818.8962     816.1820     813.4063     810.5703
   71       815.2527     812.4777     809.6377     806.7339     803.7674
   72       808.8722     805.9709     803.0021     799.9670     796.8667
 
   73       801.5342     798.4906     795.3770     792.1945     788.9440
   74       794.0969     790.9076     787.6455     784.3118     780.9075
   75       786.5589     783.2203     779.8061     776.3175     772.7555
   76       778.9188     775.4272     771.8572     768.2099     764.4862
   77       771.1752     767.5270     763.7974     759.9875     756.0981
   78       763.3268     759.5182     755.6251     751.6485     747.5895
   79       755.3721     751.3993     747.3388     743.1915     738.9585
   80       747.3096     743.1687     738.9367     734.6146     730.2034
   81       739.1380     734.8250     730.4174     725.9162     721.3225
   82       730.8558     726.3665     721.7792     717.0946     712.3139
   83       722.4613     717.7918     713.0203     708.1481     703.1758
   84       713.9532     709.0991     704.1393     699.0748     693.9064
 
   85       704.4153     699.3588     694.1926     688.9176     683.5348
   86       694.7483     689.4845     684.1070     678.6166     673.0141
   87       684.9504     679.4745     673.8807     668.1697     662.3423
   88       675.0197     669.3269     663.5116     657.5747     651.5170
   89       664.9546     659.0397     652.9978     646.8297     640.5360
   90       654.7532     648.6111     642.3372     635.9324     629.3973
   91       644.4137     638.0390     631.5279     624.8808     618.0984
   92       633.9341     627.3216     620.5676     613.6726     606.6371
   93       623.3126     616.4569     609.4544     602.3056     595.0110
   94       612.5473     605.4427     598.1860     590.7776     583.2178
   95       601.6362     594.2772     586.7604     579.0862     571.2551
   96       590.5774     582.9580     575.1752     567.2293     559.1204
 
                                                                Page 66(b)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     15.00        15.25        15.50        15.75        16.00
 
   97       615.3492     608.3040     601.0867     593.6979     586.1383
   98       604.3594     597.0572     589.5771     581.9196     574.0853
   99       593.2323     585.6675     577.9188     569.9866     561.8716
  100       581.9661     574.1331     566.1099     557.8971     549.4950
  101       570.5591     562.4521     554.1485     545.6489     536.9535
  102       559.0095     550.6226     542.0326     533.2399     524.2447
  103       547.3155     538.6428     529.7602     520.6680     511.3664
  104       535.4754     526.5107     517.3293     507.9312     498.3164
  105       523.4872     514.2245     504.7378     495.0271     485.0925
  106       511.3492     501.7821     491.9837     481.9537     471.6922
  107       499.0595     489.1816     479.0648     468.7087     458.1132
  108       486.6161     476.4210     465.9791     455.2899     444.3532
 
  109       473.0832     462.5494     451.7606     440.7164     429.4163
  110       459.3810     448.5014     437.3585     425.9517     414.2803
  111       445.5076     434.2750     422.7704     410.9931     398.9424
  112       431.4608     419.8677     407.9938     395.8383     383.4001
  113       417.2384     405.2774     393.0264     380.4845     367.6505
  114       402.8382     390.5016     377.8657     364.9292     351.6909
  115       388.2580     375.5381     362.5091     349.1697     335.5185
  116       373.4955     360.3844     346.9542     333.2034     319.1305
  117       358.5485     345.0381     331.1983     317.0276     302.5240
  118       343.4147     329.4968     315.2390     300.6394     285.6960
  119       328.0917     313.7580     299.0735     284.0361     268.6437
  120       312.5772     297.8191     282.6991     267.2149     251.3640
 
  121       295.8879     280.6814     265.1015     249.1455     232.8109
  122       278.9901     263.3260     247.2765     230.8389     214.0104
  123       261.8810     245.7499     229.2213     212.2921     194.9591
  124       244.5580     227.9505     210.9328     193.5018     175.6539
  125       227.0186     209.9249     192.4082     174.4649     156.0913
  126       209.2598     191.6702     173.6443     155.1781     136.2678
  127       191.2791     173.1836     154.6380     135.6382     116.1801
  128       173.0736     154.4620     135.3862     115.8419      95.8245
  129       154.6406     135.5024     115.8857      95.7857      75.1975
  130       135.9771     116.3020      96.1333      75.4662      54.2954
  131       117.0804      96.8575      76.1259      54.8801      33.1147
  132        97.9474      77.1659      55.8599      34.0238      11.6515
 
  133        77.5455      56.1780      34.2698      11.8149       0.0000
  134        56.8885      34.9233      12.4008       0.0000
  135        35.9734      13.3985       0.0000
  136        14.7967       0.0000
  137         0.0000
 
                                                                Page 67(a)
_____________________________________________________________________
                                                              ATTACHMENT 3
 
                 SECTION 245(a) GROWING EQUITY MORTGAGE
      WITH ANNUALLY INCREASING PAYMENTS AT 5.00 PERCENT EACH YEAR
 
                 OUTSTANDING PRINCIPAL BALANCE FACTORS
            (PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)
 
                  MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF
INSTALLMENT
  NUMBER     16.25        16.50        16.75        17.00        17.25
 
   97       578.4085     570.5088     562.4396     554.2013     545.7940
   98       566.0748     557.8883     549.5262     540.9888     532.2760
   99       553.5741     545.0943     536.4326     527.5890     518.5637
  100       540.9041     532.1244     523.1562     513.9995     504.6542
  101       528.0625     518.9762     509.6945     500.2175     490.5448
  102       515.0471     505.6472     496.0449     486.2401     476.2326
  103       501.8554     492.1349     482.2048     472.0648     461.7147
  104       488.4850     478.4368     468.1715     457.6887     446.9880
  105       474.9336     464.5504     453.9423     443.1089     432.0497
  106       461.1987     450.4730     439.5145     428.3226     416.8966
  107       447.2778     436.2020     424.8853     413.3267     401.5257
  108       433.1684     421.7349     410.0519     398.1185     385.9338
 
  109       417.8596     406.0455     393.9732     381.6416     369.0496
  110       402.3435     390.1405     377.6701     364.9313     351.9227
  111       386.6173     374.0167     361.1395     347.9842     334.5496
  112       370.6781     357.6712     344.3781     330.7971     316.9268
  113       354.5231     341.1010     327.3827     313.3665     299.0506
  114       338.1493     324.3030     310.1501     295.6890     280.9175
  115       321.5538     307.2739     292.6770     277.7610     262.5237
  116       304.7336     290.0108     274.9600     259.5790     243.8655
  117       287.6856     272.5102     256.9957     241.1395     224.9391
  118       270.4067     254.7690     238.7806     222.4387     205.7406
  119       252.8938     236.7839     220.3113     203.4730     186.2661
  120       235.1438     218.5515     201.5842     184.2387     166.5117
 
  121       216.0947     198.9940     181.5055     163.6260     145.3518
  122       196.7877     179.1676     161.1466     142.7213     123.8876
  123       177.2191     159.0685     140.5036     121.5204     102.1149
  124       157.3856     138.6931     119.5723     100.0192      80.0292
  125       137.2835     118.0375      98.3490      78.2134      57.6261
  126       116.9093      97.0979      76.8293      56.0986      34.9008
  127        96.2591      75.8704      55.0093      33.6706      11.8490
  128        75.3292      54.3511      32.8848      10.9249       0.0000
  129        54.1159      32.5358      10.4514       0.0000
  130        32.6154      10.4205       0.0000
  131        10.8237       0.0000
  132         0.0000
 
  133
  134
  135
  136
  137
 
                                                                Page 67(b)
_____________________________________________________________________
                                                               Attachment 4
 
                         GEM Certification
 
     I/We certify that I/we fully understand the obligation I/we am/are
undertaking, that my/our mortgage payment to principal and interest will
start at $ _______ and will increase by __% each year until my/our mortgage
is paid in full.  I/we understand that the __% increase is being used to
reduce my/our outstanding principal balance.
 
Monthly Payments to                    Monthly Payments for
Principal and Interest                 Mortgage Insurance Premium
                                            (applicable to loans insured
                                            under Section 203(k) or 234(c))
 
$ _______ during the 1st note year     $ _______ during the 1st note year
$ _______ during the 2nd note year     $ _______ during the 2nd note year
$ _______ during the 3rd note year     $ _______ during the 3rd note year
$ _______ during the 4th note year     $ _______ during the 4th note year
$ _______ during the 5th note year     $ _______ during the 5th note year
$ _______ during the 6th note year     $ _______ during the 6th note year
$ _______ during the 7th note year     $ _______ during the 7th note year
$ _______ during the 8th note year     $ _______ during the 8th note year
$ _______ during the 9th note year     $ _______ during the 9th note year
$ _______ during the 10th note year    $ _______ during the 10th note year
$ _______ during the 11th note year    $ _______ during the 11th note year
$ _______ during the 12th note year    $ _______ during the 12th note year
$ _______ during the 13th note year    $ _______ during the 13th note year
$ _______ during the 14th note year    $ _______ during the 14th note year
$ _______ during the 15th note year    $ _______ during the 15th note year
$ _______ during the 16th note year    $ _______ during the 16th note year
$ _______ during the 17th note year    $ _______ during the 17th note year
$ _______ during the 18th note year    $ _______ during the 18th note year
$ _______ during the 19th note year    $ _______ during the 19th note year
$ _______ during the 20th note year    $ _______ during the 20th note year
$ _______ during the 21st note year    $ _______ during the 21st note year
$ _______ during the 22nd note year    $ _______ during the 22nd note year
 
                  Complete the applicable column and cross out
                  note years beyond the actual term.
 
     In addition I/we will be required to make payment toward taxes, hazard
insurance and other costs of homeownership.
 
          Date:                    Signed:
 
     ____________________          ______________________________
                                   Mortgagor
 
                                   ______________________________
                                   Mortgagor
 
_____________________________________________________________________
                                                               Attachment 5
 
    Modification of FHA Note and Mortgage Forms for Section 245(a)
      Growing Equity Mortgage Program - Instructions and Examples
 
1.  Mortgage Instrument
 
    a.  In all States, under the document caption (Mortgage, Deed of
        Trust, etc.) type the capital letters, "WITH INCREASING MONTHLY
        INSTALLMENTS."
 
    b.  In those States which provide a blank to fill in the amount of
        the monthly installments, insert in such space in capital
        letters, "ACCORDING TO THE SCHEDULE ATTACHED TO SAID NOTE."  In
        those States which do not provide a blank to fill in the amount
        of the monthly installment, no language will need to be
        inserted.
 
    c.  In those States which recite the terms of the note verbatim,
        the schedule of payments which is added to the note must also
        be recited in or attached as a schedule to the security
        instrument.
 
2.  Note
 
    Modifications to the note may be more detailed than modifications
    to the security instrument.  The location of the additional terms
    depends on the available space, or the note may be reproduced, if
    desired, to provide additional space.
 
    a.  Under the document caption (Mortgage Note, Deed of Trust Note,
        etc.), type in capital letters, "WITH INCREASING MONTHLY
        INSTALLMENTS."
 
    b.  In the space which ordinarily specifies the amount of each
        monthly installment, type in capital letters, "ACCORDING TO
        SCHEDULE A ATTACHED."
 
    c.  The payment schedule may be added to the face of the note if
        there is sufficient space or it may be provided by an
        attachment.  This schedule should be in the following form:
 
_____________________________________________________________________
                                                               2
 
        Monthly installments for principal and interest during the term
        of this note will be as follows:
 
        $ __________ during the 1st note year
        $ __________ during the 2nd note year
        $ __________ during the 3rd note year
        $ __________ during the 4th note year
        $ __________ during the 5th note year
        $ __________ during the 6th note year
        $ __________ during the 7th note year
        $ __________ during the 8th note year
        $ __________ during the 9th note year
        $ __________ during the 10th note year
        $ __________ during the 11th note year
        $ __________ during the 12th note year
        (continue this schedule for each of the
        remaining note years)
 
4.  Additional Modifications
 
    If modifications beyond those discussed in this letter are required
    under State laws, such modifications shall be discussed with the
    HUD Field Office.
 
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                                                               Attachment 5
 
___________________________________________________________________________
 
                              EXAMPLE 1
 
                            DEED OF TRUST
                    WITH INCREASING MONTHLY INSTALLMENTS
 
    ********************************************************************
    *       GRAPHICS  MATERIAL  IN  ORIGINAL  DOCUMENT  OMITTED        *
    ********************************************************************
 
__________________________________________________________________________
 
__________________________________________________________________________
 
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                              EXAMPLE 2
 
                            DEED OF TRUST
                    WITH INCREASING MONTHLY INSTALLMENTS
 
    ********************************************************************
    *       GRAPHICS  MATERIAL  IN  ORIGINAL  DOCUMENT  OMITTED        *
    ********************************************************************
 
__________________________________________________________________________
 
_____________________________________________________________________
 
__________________________________________________________________________
 
                              EXAMPLE 3
 
                            MORTGAGE NOTE
 
                    WITH INCREASING MONTHLY INSTALLMENTS
 
    ********************************************************************
    *       GRAPHICS  MATERIAL  IN  ORIGINAL  DOCUMENT  OMITTED        *
    ********************************************************************
 
__________________________________________________________________________
 
_____________________________________________________________________
 
__________________________________________________________________________
 
                              EXAMPLE 4
 
                            MORTGAGE NOTE
 
                    WITH INCREASING MONTHLY INSTALLMENTS
 
    ********************************************************************
    *       GRAPHICS  MATERIAL  IN  ORIGINAL  DOCUMENT  OMITTED        *
    ********************************************************************
 
__________________________________________________________________________
 
_____________________________________________________________________
 
                                                  FHA Case No.
 
                              SCHEDULE  "A"
 
  Schedule "A"           as referred to in the Mortgage Note dated
  executed by
 
  secured by a Mortgage of even date herewith to
 
                              SCHEDULE A
 
$ ________ during the 1st note year    $ ________ during the 12th note year
$ ________ during the 2nd note year    $ ________ during the 13th note year
$ ________ during the 3rd note year    $ ________ during the 14th note year
$ ________ during the 4th note year    $ ________ during the 15th note year
$ ________ during the 5th note year    $ ________ during the 16th note year
$ ________ during the 6th note year    $ ________ during the 17th note year
$ ________ during the 7th note year    $ ________ during the 18th note year
$ ________ during the 8th note year    $ ________ during the 19th note year
$ ________ during the 9th note year    $ ________ during the 20th note year
$ ________ during the 10th note year   $ ________ during the 21st note year
$ ________ during the 11th note year   $ ________ during the 22nd note year
 
         Cross out note years beyond the actual term.
 
                                        ______________________________
 
                                        ______________________________
 
                                        ______________________________
 
_____________________________________________________________________
 
                                                               Attachment 6
 
___________________________________________________________________________
 
                    MORTGAGE INSURANCE CERTIFICATE - INPUT CARD
 
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