| Mortgage No.: 123456790 | |
| Mr. Very Fictitious | Property Address: |
| 1 Nice Street | Same |
| Utopia, XX 101010 | |
| Starting Balance: | $30,000.00 | Start Date: | 01/02/2003 | |
| Annual Interest: | Variable | Term: | 4 year(s) |
Mortgage based on exact day factors and monthly compounding
| Date | Days | % Int. | Payment | Interest | Principal | Balance | Cum. Int. |
|---|---|---|---|---|---|---|---|
| 01/03/2003 | 28 | 6.625000 | $713.18 | $152.43 | $560.75 | $29,439.25 | $152.43 |
| 01/04/2003 | 31 | 6.625000 | $713.18 | $165.65 | $547.53 | $28,891.73 | $318.09 |
| 01/05/2003 | 30 | 6.625000 | $713.18 | $157.32 | $555.86 | $28,335.86 | $475.40 |
| 01/06/2003 | 31 | 6.625000 | $713.18 | $159.45 | $553.73 | $27,782.13 | $634.85 |
| 01/07/2003 | 30 | 6.625000 | $713.18 | $151.27 | $561.91 | $27,220.22 | $786.12 |
| 01/08/2003 | 31 | 6.625000 | $713.18 | $153.17 | $560.01 | $26,660.21 | $939.29 |
| 01/09/2003 | 31 | 6.625000 | $713.18 | $150.02 | $563.16 | $26,097.05 | $1,089.31 |
| 01/10/2003 | 30 | 6.625000 | $713.18 | $142.10 | $571.08 | $25,525.97 | $1,231.41 |
| 01/11/2003 | 31 | 6.625000 | $-20.00 | $143.63 | $-163.63 | $25,689.60 | $1,375.04 |
| 01/12/2003 | 30 | 6.625000 | $713.18 | $139.88 | $573.30 | $25,116.30 | $1,514.92 |
| 01/01/2004 | 31 | 6.625000 | $713.18 | $141.33 | $571.85 | $24,544.45 | $1,656.25 |
| 01/02/2004 | 31 | 6.625000 | $713.18 | $138.11 | $575.07 | $23,969.38 | $1,794.36 |
| 01/03/2004 | 28 | 6.625000 | $713.18 | $121.79 | $591.39 | $23,377.99 | $1,916.15 |
| 01/04/2004 | 31 | 6.625000 | $713.18 | $131.55 | $581.63 | $22,796.36 | $2,047.70 |
| 01/05/2004 | 30 | 6.625000 | $713.18 | $124.13 | $589.05 | $22,207.31 | $2,171.83 |
| 01/06/2004 | 31 | 6.625000 | $713.18 | $124.96 | $588.22 | $21,619.09 | $2,296.79 |
| 01/07/2004 | 30 | 6.375000 | $713.18 | $113.27 | $599.91 | $21,019.18 | $2,410.06 |
| 01/08/2004 | 31 | 6.375000 | $713.18 | $113.81 | $599.37 | $20,419.81 | $2,523.87 |
| 01/09/2004 | 31 | 6.375000 | $713.18 | $110.57 | $602.61 | $19,817.20 | $2,634.44 |
| 01/10/2004 | 30 | 6.375000 | $713.18 | $103.83 | $609.35 | $19,207.85 | $2,738.27 |
| 01/11/2004 | 31 | 6.375000 | $713.18 | $104.00 | $609.18 | $18,598.68 | $2,842.28 |
| 01/12/2004 | 30 | 6.375000 | $713.18 | $97.45 | $615.73 | $17,982.95 | $2,939.73 |
| 01/01/2005 | 31 | 6.375000 | $713.18 | $97.37 | $615.81 | $17,367.14 | $3,037.10 |
| 01/02/2005 | 31 | 6.375000 | $713.18 | $94.04 | $619.14 | $16,747.99 | $3,131.13 |
| 01/03/2005 | 28 | 6.375000 | $713.18 | $81.89 | $631.29 | $16,116.70 | $3,213.02 |
| 01/04/2005 | 31 | 6.375000 | $713.18 | $87.27 | $625.91 | $15,490.79 | $3,300.29 |
| 01/05/2005 | 30 | 6.375000 | $1,000.00 | $81.16 | $918.84 | $14,571.95 | $3,381.45 |
| 01/06/2005 | 31 | 6.375000 | $1,000.00 | $78.90 | $921.10 | $13,650.86 | $3,460.36 |
| 01/07/2005 | 30 | 6.375000 | $1,000.00 | $71.52 | $928.48 | $12,722.38 | $3,531.88 |
| 01/08/2005 | 31 | 6.375000 | $1,000.00 | $68.89 | $931.11 | $11,791.27 | $3,600.77 |
| 01/09/2005 | 31 | 6.375000 | $1,000.00 | $63.85 | $936.15 | $10,855.11 | $3,664.61 |
| 01/10/2005 | 30 | 6.375000 | $1,000.00 | $56.88 | $943.12 | $9,911.99 | $3,721.49 |
| 01/11/2005 | 31 | 6.375000 | $1,000.00 | $53.67 | $946.33 | $8,965.66 | $3,775.16 |
| 01/12/2005 | 30 | 6.375000 | $1,000.00 | $46.98 | $953.02 | $8,012.63 | $3,822.13 |
| 01/01/2006 | 31 | 6.375000 | $1,000.00 | $43.39 | $956.61 | $7,056.02 | $3,865.52 |
| 16/01/2006 | 15 | 6.375000 | $1,500.00 | $18.46 | $1,481.54 | $5,574.48 | $3,883.98 |
| 01/02/2006 | 16 | 6.375000 | $1,000.00 | $15.56 | $984.44 | $4,590.04 | $3,899.54 |
| 01/03/2006 | 28 | 6.375000 | $1,000.00 | $22.44 | $977.56 | $3,612.48 | $3,921.98 |
| 01/04/2006 | 31 | 6.375000 | $1,000.00 | $19.56 | $980.44 | $2,632.04 | $3,941.54 |
| 10/04/2006 | 9 | 6.375000 | $1,000.00 | $4.13 | $995.87 | $1,636.17 | $3,945.67 |
| 01/05/2006 | 21 | 6.375000 | $1,000.00 | $6.00 | $994.00 | $642.17 | $3,951.67 |
| 01/06/2006 | 31 | 6.375000 | $645.64 | $3.48 | $642.16 | $0.00 | $3,955.14 |
| Notes: |
| 1. 01/11/2003 Missed Payment and $20.00 NSF charges |
| 2. 01/06/2004 Interest changes from 6.625 to 6.375%. Payments not changed. |
| 3. 01/05/2005 Increased monthly payments to $ 1000.00 |
| 4. 16/01/2006 Made additional payment of $1500.00 |
Calculations made with Mortgage Wizard Plus