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. ___________________________________________________________________________ Attachment 5 ___________________________________________________________________________ EXAMPLE 1 DEED OF TRUST WITH INCREASING MONTHLY INSTALLMENTS ******************************************************************** * GRAPHICS MATERIAL IN ORIGINAL DOCUMENT OMITTED * ******************************************************************** __________________________________________________________________________ __________________________________________________________________________ __________________________________________________________________________ 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 __________________________________________________________________________