This document provides details of a financial operation, including a 5.5% annual effective interest rate (TEA) and 0.45% monthly effective rate (TEM). It includes a table showing the amortization schedule over 120 months for a 350,000 loan, including the monthly payment amount, interest paid, principal paid, and outstanding balance. The total interest paid over the life of the loan is 94,688.22 and the total amount paid is 455,100.72.