1. The Life of Andrew Andrew Snider Period 3 11/23/08

2. Wheels- 2008 Scion tC

5. 5 Year Loan Amortization Table 14123.64 14483.51 14841.72 15198.29 15553.21 15906.51 16258.18 16608.24 16956.69 17303.53 17648.79 17992.45 Balance ($) 2046.19 1979.32 1910.8 1840.64 1768.83 1695.4 1620.34 1543.67 1465.38 1385.5 1304.02 1220.95 Total Interest ($) 66.87 68.52 70.17 71.8 73.44 75.06 76.67 78.28 79.88 81.48 83.07 84.64 Interest Paid ($) 359.87 358.21 356.57 354.93 353.3 351.67 350.06 348.45 346.85 345.25 343.67 342.09 Principal Paid ($) 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 Payment ($) 2010 2010 2010 2010 2010 2010 2010 2010 2010 2009 2009 2009 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 18334.54 18675.05 19014 19351.39 19687.24 20021.53 20354.3 20685.53 21015.24 21343.44 21670.12 21995.31 Balance ($) 1136.31 1050.09 962.31 872.97 782.08 689.65 595.68 500.18 403.16 304.63 204.58 103.04 Total Interest ($) 86.22 87.78 89.34 90.89 92.43 93.97 95.5 97.02 98.54 100.04 101.55 103.04 Interest Paid ($) 340.51 338.95 337.39 335.84 334.3 332.76 331.23 329.71 328.2 326.69 325.19 323.69 Principal Paid ($) 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 Payment ($) 2009 2009 2009 2009 2009 2009 2009 2009 2009 2008 2008 2008 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct. Month

6. 5 Year Loan Amorization Table (cont.) 0 424.77 847.59 1268.46 1687.4 2104.42 2519.52 2932.71 3344 3753.41 4160.93 4566.58 Balance 3284.86 3282.9 3278.99 3273.13 3265.34 3255.63 3243.99 3230.46 3215.02 3197.69 3178.48 3157.4 Total Interest ($) 1.96 3.91 5.86 7.79 9.72 11.63 13.54 15.44 17.33 19.21 21.08 22.95 Interest Paid ($) 424.77 422.82 420.87 418.94 417.02 415.1 413.19 411.29 409.4 407.52 405.65 403.78 Principal Paid ($) 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 Payment ($) 2013 2013 2013 2013 2013 2013 2013 2013 2013 2012 2012 2012 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 4970.36 5372.29 5772.37 6170.61 6567.03 6961.62 7354.4 7745.37 8134.55 8521.94 8907.54 9291.38 Balance ($) 3134.45 3109.65 3083 3054.51 3024.19 2992.05 2958.1 2922.34 2884.79 2845.45 2804.32 2761.43 Total Interest ($) 24.8 26.65 28.49 30.32 32.14 33.95 35.76 37.55 39.34 41.12 42.9 44.66 Interest Paid ($) 401.93 400.08 398.24 396.41 394.59 392.78 390.97 389.18 387.39 385.61 383.84 382.07 Principal Paid ($) 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 Payment ($) 2012 2012 2012 2012 2012 2012 2012 2012 2012 2011 2011 2011 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 9673.45 10053.77 10432.34 10809.16 11184.26 11557.64 11929.29 12299.24 12667.49 13034.05 13398.92 13762.12 Balance ($) 2716.77 2670.35 2622.19 2572.29 2520.65 2467.3 2412.22 2355.44 2296.96 2236.79 2174.93 2111.39 Total Interest ($) 46.41 48.16 49.9 51.63 53.36 55.07 56.78 58.48 60.17 61.86 63.54 65.2 Interest Paid ($) 380.32 378.57 376.83 375.1 373.37 371.66 369.95 368.25 366.56 364.87 363.2 361.53 Principal Paid ($) 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 426.73 Payment ($) 2011 2011 2011 2011 2011 2011 2011 2011 2011 2010 2010 2010 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month

9. Home

12. 15 Year Loan Amortization Table 111594.83 112070.78 112544.42 113015.74 113484.78 113951.52 114415.99 114878.2 115338.16 115795.87 116251.36 116704.63 Balance ($) 13786.02 13237.34 12686.34 12133.04 11577.44 11019.55 10459.39 9896.96 9332.29 8765.37 8196.22 7624.85 Total Interest ($) 548.68 551 553.31 555.6 557.89 560.16 562.42 564.68 566.92 569.15 571.37 573.57 Interest Paid ($) 475.95 473.63 471.33 469.03 466.75 464.47 462.21 459.96 457.72 455.49 453.27 451.06 Principal Paid ($) 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 Payment ($) 2010 2010 2010 2010 2010 2010 2010 2010 2010 2009 2009 2009 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 117155.68 117604.54 118051.22 118495.72 118938.05 119378.23 119816.26 120252.16 120685.93 121117.59 121547.15 121974.62 Balance ($) 7051.28 6475.51 5897.55 5317.41 4735.11 4150.66 3564.06 2975.32 2384.46 1791.49 1196.42 599.25 Total Interest ($) 575.77 577.96 580.14 582.3 584.46 586.6 588.73 590.86 592.97 595.07 597.17 599.25 Interest Paid ($) 448.86 446.67 444.5 442.33 440.18 438.03 435.9 433.77 431.66 429.56 427.47 425.38 Principal Paid ($) 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 Payment ($) 2009 2009 2009 2009 2009 2009 2009 2009 2009 2008 2008 2008 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month

13. 15 Year Loan Amortization Table 99445.94 99981.08 100513.62 101043.56 101570.92 102095.7 102617.94 103137.63 103654.78 104169.42 104681.55 105191.18 Balance ($) 26228.32 25738.83 25246.74 24752.04 24254.77 23754.93 23252.52 22747.58 22240.1 21730.11 21217.6 20702.61 Total Interest ($) 489.49 492.1 494.69 497.27 499.84 502.4 504.94 507.48 510 512.5 515 517.48 Interest Paid ($) 535.14 532.54 529.94 527.36 524.79 522.23 519.69 517.16 514.64 512.13 509.63 507.15 Principal Paid ($) 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 Payment ($) 2012 2012 2012 2012 2012 2012 2012 2012 2012 2011 2011 2011 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 105698.33 106203.02 106705.24 107205.01 107702.35 108197.27 108689.78 109179.88 109667.6 110152.94 110635.92 111116.55 Balance ($) 20185.12 19665.17 19142.76 18617.9 18090.61 17560.89 17028.77 16494.24 15957.33 15418.04 14876.38 14332.37 Total Interest ($) 519.95 522.41 524.86 527.29 529.72 532.13 534.53 536.91 539.29 541.66 544.01 546.35 Interest Paid ($) 504.68 502.22 499.78 497.34 494.92 492.51 490.11 487.72 485.34 482.98 480.62 478.28 Principal Paid ($) 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 Payment ($) 2011 2011 2011 2011 2011 2011 2011 2011 2011 2010 2010 2010 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month

14. 15 Year Loan Amortization Table 85786.22 86387.91 86986.67 87582.52 88175.46 88765.51 89352.69 89937 90518.47 91097.11 91672.93 92245.94 Balance ($) 37159.8 36736.86 36310.98 35882.2 35450.5 35015.92 34578.47 34138.15 33694.99 33248.99 32800.17 32348.55 Total Interest ($) 422.94 425.87 428.79 431.69 434.58 437.46 440.32 443.16 446 448.82 451.62 454.41 Interest Paid ($) 601.69 598.76 595.84 592.94 590.05 587.18 584.32 581.47 578.64 575.82 573.01 570.22 Principal Paid ($) 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 Payment ($) 2014 2014 2014 2014 2014 2014 2014 2014 2014 2013 2013 2013 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 92816.16 93383.6 93948.28 94510.21 95069.4 95625.86 96179.61 96730.67 97279.04 97824.74 98367.78 98908.18 Balance ($) 31894.14 31436.95 30977 30514.29 30048.85 29580.68 29109.8 28636.22 28159.96 27681.02 27199.43 26715.19 Total Interest ($) 457.19 459.96 462.71 465.44 468.17 470.88 473.58 476.26 478.93 481.59 484.24 486.87 Interest Paid ($) 567.44 564.68 561.93 559.19 556.46 553.75 551.06 548.37 545.7 543.04 540.4 537.76 Principal Paid ($) 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 Payment ($) 2013 2013 2013 2013 2013 2013 2013 2013 2013 2012 2012 2012 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month

15. 15 Year Loan Amortization Table 70427.79 71104.31 71777.53 72447.47 73114.15 73777.58 74437.78 75094.76 75748.54 76399.14 77046.56 77690.83 Balance ($) 46392.56 46044.44 45693.03 45338.34 44980.39 44619.19 44254.75 43887.1 43516.25 43142.21 42765 42384.64 Total Interest ($) 348.11 351.41 354.69 357.95 361.2 364.43 367.65 370.85 374.04 377.21 380.36 383.5 Interest Paid ($) 676.52 673.22 669.94 666.68 663.43 660.2 656.98 653.78 650.6 647.43 644.27 641.13 Principal Paid ($) 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 Payment ($) 2016 2016 2016 2016 2016 2016 2016 2016 2016 2015 2015 2015 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 78331.97 78969.97 79604.88 80236.68 80865.41 81491.08 82113.7 82733.28 83349.85 83963.41 84573.98 85181.58 Balance ($) 42001.14 41614.52 41224.78 40831.96 40436.06 40037.09 39635.07 39230.03 38821.96 38410.89 37996.83 37579.79 Total Interest ($) 386.62 389.73 392.83 395.9 398.97 402.01 405.05 408.07 411.07 414.06 417.03 420 Interest Paid ($) 638.01 634.9 631.81 628.73 625.67 622.62 619.58 616.57 613.56 610.57 607.6 604.64 Principal Paid ($) 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 Payment ($) 2015 2015 2015 2015 2015 2015 2015 2015 2015 2014 2014 2014 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month

16. 15 Year Loan Amortization Table 53159.39 53920.04 54676.99 55430.24 56179.83 56925.76 57668.06 58406.75 59141.83 59873.33 60601.27 61325.67 Balance ($) 53715.36 53451.37 53183.68 52912.31 52637.26 52358.56 52076.23 51790.28 51500.73 51207.6 50910.91 50610.67 Total Interest ($) 263.98 267.69 271.38 275.05 278.7 282.33 285.95 289.55 293.13 296.69 300.24 303.77 Interest Paid ($) 760.65 756.94 753.26 749.59 745.93 742.3 738.68 735.08 731.5 727.94 724.39 720.86 Principal Paid ($) 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 Payment ($) 2018 2018 2018 2018 2018 2018 2018 2018 2018 2017 2017 2017 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 62046.53 62763.88 63477.74 64188.12 64895.03 65598.51 66298.55 66995.19 67688.43 68378.3 69064.8 69747.96 Balance ($) 50306.9 49999.62 49688.84 49374.58 49056.87 48735.71 48411.12 48083.13 47751.73 47416.97 47078.84 46737.36 Total Interest ($) 307.28 310.78 314.25 317.72 321.16 324.59 328 331.39 334.77 338.13 341.47 344.8 Interest Paid ($) 717.35 713.86 710.38 706.92 703.47 700.05 696.64 693.24 689.86 686.5 683.16 679.83 Principal Paid ($) 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 Payment ($) 2017 2017 2017 2017 2017 2017 2017 2017 2017 2016 2016 2016 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month

17. 15 Year Loan Amortization Table 33743.52 34598.76 35449.83 36296.77 37139.57 37978.27 38812.88 39643.42 40469.92 41292.4 42110.86 42925.34 Balance ($) 58890.67 58721.28 58547.73 58370.02 58188.19 58002.26 57812.24 57618.15 57420.02 57217.86 57011.69 56801.53 Total Interest ($) 169.39 173.56 177.7 181.83 185.94 190.02 194.09 198.13 202.16 206.17 210.16 214.12 Interest Paid ($) 855.24 851.08 846.93 842.8 838.7 834.61 830.55 826.5 822.47 818.47 814.48 810.51 Principal Paid ($) 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 Payment ($) 2020 2020 2020 2020 2020 2020 2020 2020 2020 2019 2019 2019 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 43735.85 44542.41 45345.04 46143.76 46938.59 47729.55 48516.65 49299.92 50079.37 50855.03 51626.9 52395.02 Balance ($) 56587.41 56369.34 56147.33 55921.42 55691.62 55457.94 55220.41 54979.05 54733.87 54484.89 54232.13 53975.62 Total Interest ($) 218.07 222 225.91 229.8 233.68 237.53 241.36 245.18 248.98 252.76 256.52 260.26 Interest Paid ($) 806.56 802.63 798.72 794.83 790.96 787.1 783.27 779.45 775.66 771.88 768.12 764.37 Principal Paid ($) 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 Payment ($) 2019 2019 2019 2019 2019 2019 2019 2019 2019 2018 2018 2018 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month

18. 15 Year Loan Amortization Table 11913.09 12874.69 13831.61 14783.86 15731.48 16674.47 17612.88 18546.71 19475.99 20400.75 21320.99 22236.76 Balance ($) 61651.44 61588.41 61520.69 61448.31 61371.3 61289.66 61203.43 61112.63 61017.28 60917.4 60813.01 60704.15 Total Interest ($) 63.03 67.72 72.38 77.02 81.64 86.23 90.8 95.35 99.88 104.38 108.87 113.33 Interest Paid ($) 961.6 956.92 952.25 947.61 943 938.4 933.83 929.28 924.75 920.25 915.77 911.3 Principal Paid ($) 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 Payment ($) 2022 2022 2022 2022 2022 2022 2022 2022 2022 2021 2021 2021 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 23148.06 24054.93 24957.37 25855.42 26749.1 27638.42 28523.4 29404.08 30280.47 31152.58 32020.45 32884.08 Balance ($) 60590.82 60473.05 60350.86 60224.28 60093.32 59958.01 59818.36 59674.4 59526.15 59373.64 59216.87 59055.87 Total Interest ($) 117.77 122.19 126.58 130.96 135.31 139.65 143.96 148.25 152.52 156.77 160.99 165.2 Interest Paid ($) 906.86 902.45 898.05 893.67 889.32 884.99 880.68 876.38 872.12 867.87 863.64 859.43 Principal Paid ($) 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 Payment ($) 2021 2021 2021 2021 2021 2021 2021 2021 2021 2020 2020 2020 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month

19. 15 Year Loan Amortization Table 0 1019.64 2034.31 3044.04 4048.85 5048.77 6043.81 7034.01 8019.38 8999.95 9975.74 10946.78 Balance ($) 62033.95 62028.95 62018.99 62004.09 61984.27 61959.55 61929.96 61895.52 61856.26 61812.2 61763.36 61709.77 Total Interest ($) 4.99 9.96 14.9 19.82 24.72 29.59 34.44 39.26 44.06 48.84 53.59 58.32 Interest Paid ($) 1019.64 1014.67 1009.73 1004.81 999.92 995.04 990.2 985.37 980.57 975.79 971.04 966.31 Principal Paid ($) 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 1024.63 Payment ($) 2023 2023 2023 2023 2023 2023 2023 2023 2023 2022 2022 2022 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month

20. 30Yr Loan Amortization Table 117435.48 117585.33 117734.47 117882.89 118030.59 118177.59 118323.87 118469.46 118614.34 118758.53 118902.02 119044.82 Balance ($) 20890.16 20321.83 19752.78 19183.02 18612.54 18041.34 17469.45 16896.84 16323.54 15749.54 15174.85 14599.46 Total Interest ($) 568.33 569.05 569.77 570.48 571.19 571.9 572.6 573.3 574 574.69 575.38 576.07 Interest Paid ($) 149.86 149.14 148.42 147.7 146.99 146.29 145.58 144.88 144.19 143.49 142.8 142.12 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2011 2011 2011 2011 2011 2011 2011 2011 2011 2010 2010 2010 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 119186.94 119328.37 119469.12 119609.2 119748.6 119887.33 120025.39 120162.79 120299.53 120435.61 120571.03 120705.81 Balance ($) 14023.39 13446.64 12869.21 12291.1 11712.31 11132.86 10552.73 9971.95 9390.5 8808.39 8225.63 7642.22 Total Interest ($) 576.75 577.43 578.11 578.78 579.46 580.12 580.79 581.45 582.11 582.76 583.41 584.06 Interest Paid ($) 141.43 140.75 140.07 139.4 138.73 138.06 137.4 136.74 136.08 135.43 134.77 134.13 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2010 2010 2010 2010 2010 2010 2010 2010 2010 2009 2009 2009 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 120839.93 120973.41 121106.25 121238.45 121370.02 121500.95 121631.25 121760.92 121889.97 122018.4 122146.22 122273.41 Balance ($) 7058.16 6473.46 5888.11 5302.12 4715.5 4128.25 3540.36 2951.85 2362.72 1772.96 1182.59 591.6 Total Interest ($) 584.7 585.35 585.99 586.62 587.25 587.88 588.51 589.13 589.76 590.37 590.99 591.6 Interest Paid ($) 133.48 132.84 132.2 131.56 130.93 130.3 129.67 129.05 128.43 127.81 127.2 126.59 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2009 2009 2009 2009 2009 2009 2009 2009 2009 2008 2008 2008 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month

21. 30Yr Loan Amortization Table 111529.9 111708.16 111885.56 112062.12 112237.82 112412.68 112586.69 112759.87 112932.22 113103.74 113274.43 113444.3 Balance ($) 40839.27 40299.35 39758.56 39216.93 38674.45 38131.12 37586.95 37041.95 36496.11 35949.44 35401.95 34853.63 Total Interest ($) 539.92 540.78 541.63 542.48 543.33 544.17 545.01 545.84 546.67 547.49 548.31 549.13 Interest Paid ($) 178.26 177.41 176.55 175.7 174.86 174.02 173.18 172.35 171.52 170.69 169.87 169.05 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2014 2014 2014 2014 2014 2014 2014 2014 2014 2013 2013 2013 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 113613.36 113781.6 113949.03 114115.66 114281.48 114446.51 114610.74 114774.19 114936.84 115098.72 115259.82 115420.14 Balance ($) 34304.5 33754.56 33203.8 32652.24 32099.88 31546.72 30992.77 30438.03 29882.5 29326.19 28769.1 28211.24 Total Interest ($) 549.94 550.75 551.56 552.36 553.16 553.95 554.74 555.53 556.31 557.09 557.86 558.64 Interest Paid ($) 168.24 167.43 166.63 165.83 165.03 164.23 163.44 162.66 161.88 161.1 160.32 159.55 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2013 2013 2013 2013 2013 2013 2013 2013 2013 2012 2012 2012 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 115579.69 115738.47 115896.49 116053.75 116210.25 116366 116521 116675.26 116828.77 116981.55 117133.59 117284.9 Balance ($) 27652.6 27093.2 26533.03 25972.11 25410.43 24847.99 24284.8 23720.87 23156.2 22590.79 22024.65 21457.77 Total Interest ($) 559.4 560.17 560.93 561.68 562.44 563.18 563.93 564.67 565.41 566.15 566.88 567.6 Interest Paid ($) 158.78 158.02 157.26 156.5 155.75 155 154.26 153.51 152.77 152.04 151.31 150.58 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2012 2012 2012 2012 2012 2012 2012 2012 2012 2011 2011 2011 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month

22. 30Yr Loan Amortization Table 104504.87 104716.92 104927.96 105137.98 105346.99 105554.99 105761.99 105968 106173.02 106377.05 106580.09 106782.17 Balance ($) 59668.93 59162.8 58655.65 58147.48 57638.3 57128.12 56616.94 56104.76 55591.59 55077.43 54562.29 54046.18 Total Interest ($) 506.13 507.15 508.17 509.18 510.18 511.18 512.18 513.17 514.16 515.14 516.11 517.09 Interest Paid ($) 212.05 211.03 210.02 209.01 208 207 206.01 205.02 204.03 203.05 202.07 201.1 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2017 2017 2017 2017 2017 2017 2017 2017 2017 2016 2016 2016 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 106983.27 107183.4 107382.57 107580.78 107778.04 107974.35 108169.71 108364.14 108557.63 108750.19 108941.82 109132.54 Balance ($) 53529.1 53011.04 52492.03 51972.05 51451.13 50929.25 50406.43 49882.67 49357.97 48832.35 48305.8 47778.32 Total Interest ($) 518.05 519.02 519.97 520.93 521.88 522.82 523.76 524.7 525.63 526.55 527.47 528.39 Interest Paid ($) 200.13 199.17 198.21 197.26 196.31 195.37 194.43 193.49 192.56 191.63 190.71 189.79 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2016 2016 2016 2016 2016 2016 2016 2016 2016 2015 2015 2015 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 109322.33 109511.21 109699.18 109886.25 110072.42 110257.7 110442.08 110625.57 110808.19 110989.92 111170.78 111350.77 Balance ($) 47249.93 46720.63 46190.41 45659.3 45127.28 44594.37 44060.56 43525.87 42990.3 42453.85 41916.52 41378.33 Total Interest ($) 529.3 530.21 531.12 532.02 532.91 533.8 534.69 535.57 536.45 537.33 538.2 539.06 Interest Paid ($) 188.88 187.97 187.07 186.17 185.27 184.38 183.5 182.61 181.73 180.86 179.99 179.12 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2015 2015 2015 2015 2015 2015 2015 2015 2015 2014 2014 2014 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month

23. 30Yr Loan Amortization Table 96148.2 96400.45 96651.49 96901.32 97149.95 97397.38 97643.62 97888.68 98132.56 98375.26 98616.8 98857.18 Balance ($) 77166.95 76701.01 76233.86 75765.51 75295.95 74825.19 74353.25 73880.12 73405.81 72930.33 72453.69 71975.88 Total Interest ($) 465.94 467.15 468.36 469.56 470.75 471.94 473.13 474.31 475.48 476.65 477.81 478.97 Interest Paid ($) 252.25 251.04 249.83 248.63 247.43 246.24 245.06 243.88 242.71 241.54 240.38 239.22 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2020 2020 2020 2020 2020 2020 2020 2020 2020 2019 2019 2019 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 99096.4 99334.47 99571.39 99807.17 100041.82 100275.35 100507.74 100739.02 100969.19 101198.25 101426.21 101653.07 Balance ($) 71496.91 71016.79 70535.53 70053.13 69569.6 69084.93 68599.14 68112.24 67624.22 67135.1 66644.87 66153.55 Total Interest ($) 480.12 481.26 482.4 483.54 484.66 485.79 486.91 488.02 489.12 490.23 491.32 492.41 Interest Paid ($) 238.07 236.92 235.78 234.65 233.52 232.4 231.28 230.17 229.06 227.96 226.86 225.77 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2019 2019 2019 2019 2019 2019 2019 2019 2019 2018 2018 2018 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 101878.85 102103.53 102327.14 102549.66 102771.12 102991.52 103210.85 103429.13 103646.36 103862.54 104077.68 104291.79 Balance ($) 65661.13 65167.63 64673.05 64177.39 63680.67 63182.87 62684.02 62184.11 61683.16 61181.15 60678.11 60174.04 Total Interest ($) 493.5 494.58 495.66 496.73 497.79 498.85 499.91 500.96 502 503.04 504.08 505.11 Interest Paid ($) 224.69 223.6 222.53 221.46 220.39 219.33 218.28 217.23 216.18 215.14 214.11 213.08 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2018 2018 2018 2018 2018 2018 2018 2018 2018 2017 2017 2017 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month

24. 30Yr Loan Amortization Table 86207.47 86507.54 86806.16 87103.35 87399.11 87693.44 87986.36 88277.87 88567.97 88856.69 89144.01 89429.95 Balance ($) 93080.9 92662.78 92243.22 91822.22 91399.79 90975.94 90550.67 90124 89695.92 89266.44 88835.58 88403.34 Total Interest ($) 418.12 419.56 421 422.43 423.85 425.27 426.68 428.08 429.47 430.86 432.24 433.62 Interest Paid ($) 300.07 298.62 297.19 295.76 294.33 292.92 291.51 290.11 288.71 287.32 285.94 284.57 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2023 2023 2023 2023 2023 2023 2023 2023 2023 2022 2022 2022 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 89714.52 89997.71 90279.55 90560.03 90839.16 91116.94 91393.39 91668.52 91942.31 92214.79 92485.96 92755.83 Balance ($) 87969.72 87534.73 87098.38 86660.67 86221.61 85781.22 85339.48 84896.42 84452.03 84006.32 83559.31 83110.99 Total Interest ($) 434.99 436.35 437.71 439.06 440.4 441.73 443.06 444.39 445.7 447.02 448.32 449.62 Interest Paid ($) 283.2 281.83 280.48 279.13 277.79 276.45 275.12 273.8 272.48 271.17 269.87 268.57 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2022 2022 2022 2022 2022 2022 2022 2022 2022 2021 2021 2021 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 93024.4 93291.67 93557.66 93822.38 94085.81 94347.98 94608.89 94868.55 95126.95 95384.11 95640.04 95894.73 Balance ($) 82661.37 82210.46 81758.26 81304.79 80850.04 80394.03 79936.75 79478.22 79018.44 78557.42 78095.16 77631.66 Total Interest ($) 450.91 452.2 453.47 454.75 456.02 457.28 458.53 459.78 461.02 462.26 463.49 464.72 Interest Paid ($) 267.28 265.99 264.71 263.44 262.17 260.91 259.65 258.41 257.16 255.93 254.69 253.47 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2021 2021 2021 2021 2021 2021 2021 2021 2021 2020 2020 2020 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month

25. 30Yr Loan Amortization Table 74382.41 74739.36 75094.58 75448.1 75799.92 76150.05 76498.49 76845.26 77190.36 77533.8 77875.59 78215.73 Balance ($) 107110.53 106749.29 106386.33 106021.66 105655.3 105287.24 104917.49 104546.08 104172.99 103798.24 103421.84 103043.8 Total Interest ($) 361.24 362.96 364.67 366.37 368.06 369.74 371.42 373.09 374.75 376.4 378.04 379.68 Interest Paid ($) 356.95 355.23 353.52 351.82 350.13 348.44 346.77 345.1 343.44 341.79 340.14 338.51 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2026 2026 2026 2026 2026 2026 2026 2026 2026 2025 2025 2025 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 78554.24 78891.11 79226.37 79560.02 79892.06 80222.5 80551.36 80878.63 81204.33 81528.46 81851.03 82172.05 Balance ($) 102664.12 102282.82 101899.89 101515.35 101129.2 100741.46 100352.13 99961.22 99568.73 99174.67 98779.06 98381.9 Total Interest ($) 381.31 382.93 384.54 386.14 387.74 389.33 390.91 392.49 394.05 395.61 397.16 398.71 Interest Paid ($) 336.88 335.26 333.65 332.04 330.44 328.85 327.27 325.7 324.13 322.57 321.02 319.48 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2025 2025 2025 2025 2025 2025 2025 2025 2025 2024 2024 2024 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 82491.53 82809.47 83125.88 83440.77 83754.14 84066.01 84376.38 84685.25 84992.64 85298.55 85602.98 85905.96 Balance ($) 97983.19 97582.94 97181.17 96777.87 96373.06 95966.74 95558.92 95149.61 94738.81 94326.53 93912.79 93497.57 Total Interest ($) 400.25 401.78 403.3 404.81 406.32 407.82 409.31 410.8 412.28 413.75 415.21 416.67 Interest Paid ($) 317.94 316.41 314.89 313.37 311.87 310.37 308.87 307.39 305.91 304.44 302.97 301.52 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2024 2024 2024 2024 2024 2024 2024 2024 2024 2023 2023 2023 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month

26. 30Yr Loan Amortization Table 60315.82 60740.43 61163 61583.53 62002.04 62418.53 62833.03 63245.53 63656.04 64064.58 64471.16 64875.77 Balance ($) 118898.63 118605.05 118309.43 118011.77 117712.1 117410.41 117106.71 116801.03 116493.36 116183.71 115872.1 115558.53 Total Interest ($) 293.58 295.62 297.65 299.68 301.69 303.69 305.69 307.67 309.65 311.61 313.57 315.51 Interest Paid ($) 424.61 422.56 420.53 418.51 416.5 414.49 412.5 410.51 408.54 406.58 404.62 402.67 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2029 2029 2029 2029 2029 2029 2029 2029 2029 2028 2028 2028 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 65278.45 65679.18 66077.99 66474.88 66869.87 67262.95 67654.14 68043.45 68430.88 68816.46 69200.17 69582.05 Balance ($) 115243.02 114925.57 114606.19 114284.9 113961.69 113636.59 113309.6 112980.72 112649.97 112317.36 111982.89 111646.58 Total Interest ($) 317.45 319.38 321.3 323.2 325.1 326.99 328.88 330.75 332.61 334.47 336.31 338.15 Interest Paid ($) 400.74 398.81 396.89 394.98 393.08 391.19 389.31 387.44 385.57 383.72 381.87 380.04 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2028 2028 2028 2028 2028 2028 2028 2028 2028 2027 2027 2027 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 69962.08 70340.29 70716.68 71091.26 71464.03 71835.02 72204.21 72571.64 72937.29 73301.19 73663.34 74023.74 Balance ($) 111308.43 110968.45 110626.65 110283.04 109937.63 109590.43 109241.44 108890.68 108538.15 108183.86 107827.82 107470.04 Total Interest ($) 339.98 341.8 343.61 345.41 347.2 348.99 350.76 352.53 354.29 356.04 357.78 359.51 Interest Paid ($) 378.21 376.39 374.58 372.78 370.98 369.2 367.42 365.66 363.9 362.15 360.4 358.67 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2027 2027 2027 2027 2027 2027 2027 2027 2027 2026 2026 2026 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month

27. 30Yr Loan Amortization Table 43582.82 44087.92 44590.58 45090.83 45588.67 46084.11 46577.18 47067.87 47556.2 48042.18 48525.82 49007.14 Balance ($) 128020.31 127807.22 127591.7 127373.76 127153.41 126930.67 126705.55 126478.05 126248.2 126015.99 125781.45 125544.59 Total Interest ($) 213.09 215.52 217.94 220.35 222.74 225.12 227.49 229.85 232.2 234.54 236.87 239.18 Interest Paid ($) 505.09 502.66 500.25 497.84 495.45 493.06 490.69 488.33 485.98 483.64 481.32 479 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2032 2032 2032 2032 2032 2032 2032 2032 2032 2031 2031 2031 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 49486.14 49962.84 50437.25 50909.37 51379.22 51846.82 52312.16 52775.27 53236.14 53694.8 54151.26 54605.52 Balance ($) 125305.4 125063.92 124820.14 124574.07 124325.74 124075.15 123822.31 123567.22 123309.92 123050.39 122788.66 122524.73 Total Interest ($) 241.49 243.78 246.06 248.33 250.59 252.84 255.08 257.31 259.52 261.73 263.93 266.11 Interest Paid ($) 476.7 474.41 472.12 469.85 467.59 465.34 463.11 460.88 458.66 456.45 454.26 452.07 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2031 2031 2031 2031 2031 2031 2031 2031 2031 2030 2030 2030 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 55057.59 55507.49 55955.23 56400.81 56844.25 57285.55 57724.74 58161.81 58596.77 59029.65 59460.44 59889.17 Balance ($) 122258.62 121990.34 121719.89 121447.28 121172.53 120895.65 120616.65 120335.54 120052.32 119767.01 119479.62 119190.15 Total Interest ($) 268.29 270.45 272.6 274.75 276.88 279 281.12 283.22 285.31 287.39 289.46 291.53 Interest Paid ($) 449.9 447.74 445.58 443.44 441.31 439.18 437.07 434.97 432.88 430.79 428.72 426.66 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2030 2030 2030 2030 2030 2030 2030 2030 2030 2029 2029 2029 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month

28. 30Yr Loan Amortization Table 23677.96 24278.8 24876.75 25471.82 26064.03 26653.39 27239.92 27823.62 28404.52 28982.62 29557.94 30130.5 Balance ($) 133970.13 133852.79 133732.55 133609.44 133483.46 133354.63 133222.98 133088.49 132951.21 132811.12 132668.26 132522.63 Total Interest ($) 117.35 120.24 123.11 125.98 128.82 131.66 134.48 137.29 140.08 142.86 145.63 148.38 Interest Paid ($) 600.84 597.95 595.07 592.21 589.36 586.53 583.7 580.9 578.1 575.32 572.55 569.8 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2035 2035 2035 2035 2035 2035 2035 2035 2035 2034 2034 2034 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 30700.3 31267.36 31831.69 32393.31 32952.23 33508.46 34062.01 34612.9 35161.14 35706.74 36249.72 36790.09 Balance ($) 132374.24 132223.12 132069.27 131912.7 131753.43 131591.47 131426.84 131259.54 131089.6 130917.01 130741.81 130563.99 Total Interest ($) 151.13 153.85 156.57 159.27 161.96 164.63 167.3 169.95 172.58 175.21 177.82 180.42 Interest Paid ($) 567.06 564.33 561.62 558.92 556.23 553.55 550.89 548.24 545.6 542.98 540.37 537.77 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2034 2034 2034 2034 2034 2034 2034 2034 2034 2033 2033 2033 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 37327.86 37863.04 38395.64 38925.69 39453.18 39978.14 40500.57 41020.49 41537.91 42052.84 42565.3 43075.29 Balance ($) 130383.57 130200.57 130014.99 129826.85 129636.16 129442.93 129247.18 129048.91 128848.14 128644.89 128439.16 128230.96 Total Interest ($) 183 185.58 188.14 190.69 193.23 195.75 198.27 200.77 203.26 205.73 208.2 210.65 Interest Paid ($) 535.18 532.61 530.04 527.5 524.96 522.43 519.92 517.42 514.93 512.45 509.99 507.54 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2033 2033 2033 2033 2033 2033 2033 2033 2033 2032 2032 2032 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month

29. 30Yr Loan Amortization Table 0 714.73 1426.02 2133.9 2838.36 3539.44 4237.15 4931.5 5622.51 6310.19 6994.57 7675.66 Balance ($) 136146.86 136143.4 136136.51 136126.2 136112.48 136095.37 136074.89 136051.06 136023.88 135993.38 135959.57 135922.48 Total Interest ($) 3.45 6.89 10.31 13.72 17.11 20.48 23.84 27.18 30.5 33.81 37.1 40.38 Interest Paid ($) 714.73 711.29 707.87 704.47 701.08 697.71 694.35 691.01 687.69 684.38 681.09 677.81 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2038 2038 2038 2038 2038 2038 2038 2038 2038 2037 2037 2037 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 8353.47 9028.02 9699.33 10367.4 11032.27 11693.93 12352.41 13007.73 13659.89 14308.92 14954.82 15597.62 Balance ($) 135882.1 135838.47 135791.59 135741.48 135688.15 135631.63 135571.93 135509.06 135443.04 135373.88 135301.59 135226.21 Total Interest ($) 43.64 46.88 50.11 53.32 56.52 59.7 62.87 66.02 69.16 72.28 75.39 78.48 Interest Paid ($) 674.55 671.31 668.08 664.86 661.67 658.48 655.32 652.16 649.03 645.9 642.8 639.71 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2037 2037 2037 2037 2037 2037 2037 2037 2037 2036 2036 2036 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month 16237.32 16873.95 17507.52 18138.04 18765.52 19389.99 20011.45 20629.93 21245.43 21857.97 22467.56 23074.22 Balance ($) 135147.73 135066.17 134981.55 134893.88 134803.18 134709.46 134612.74 134513.03 134410.34 134304.7 134196.1 134084.58 Total Interest ($) 81.56 84.62 87.67 90.7 93.72 96.72 99.71 102.69 105.65 108.59 111.53 114.44 Interest Paid ($) 636.63 633.57 630.52 627.49 624.47 621.46 618.47 615.5 612.54 609.59 606.66 603.74 Principal Paid ($) 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 718.19 Payment ($) 2036 2036 2036 2036 2036 2036 2036 2036 2036 2035 2035 2035 Year Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Month

30. Apartment – 203 Capital Street Lynchburg, VA 24502

34. Can I afford it? $2500 Budget $ 70 2.8% For Emergencies 0-10% $70 2.8% Irregular Expenses 0-10% $70 2.8% Goal Achievement 0-10% Savings $50 2% Debt Repayment 0-10% $15.00 .006% Insurance 0-5% $450 18% Taxes 18% $750 30% Housing 18-30% Fixed Expenses Revised Amount Percent Chosen Category Range

35. Can I afford it? $2500 Budget (cont.) $2500 Total $2.50 .1% All other 0-9% $170 6.8% Recreation 5-10% $37.50 1.5% Personal Grooming 1-5% $100 4% Durable Goods 2-9% $50 2% Clothing 2-8% $115 4.6% Medical 2-5% $200 8% Transportation 5-15% $175 7% Food 8-15% $175 7% Utilities & Phone 5-12% Living Expenses

36. Can I afford it? $2500 Budget Workshop

37. Can I afford it? $2500 Budget

40. Can I afford it? $141,818 Budget $ 840 .6 For Emergencies 0-10% $840 .6 Irregular Expenses 0-10% $840 .6 Goal Achievement 0-10% Savings $92320 65 Debt Repayment 0-100% $180 .1 Insurance 0-5% $25527.24 18 Taxes 18% $9000 6.35 Housing 18-30% Fixed Expenses Revised Amount Percent Chosen Category Range

41. Can I afford it? $141,818 Budget $141818 Total $0 0 All other 0-9% $2040 1.5 Recreation 5-10% $450 .1 Personal Grooming 1-5% $1200 .1 Durable Goods 2-9% $600 .5 Clothing 2-8% $1380 1 Medical 2-5% $2400 1.7 Transportation 5-15% $2100 1.5 Food 8-15% $2100 1.5 Utilities & Phone 5-12% Living Expenses

42. Can I afford it? $141,818 Budget

43. Can I afford it? $141,818 Budget