Loan Statement Sample

Excel
Excel Skills
Skills || Loan
Loan Statement
Statement Template
Template
About
About this
this template
template
This
This template
template enables
enables users
users to
to compile
compile aa loan
loan account
account statement
statement for
for any
any loan
loan that
that is
is repaid
repaid on
on aa monthly
monthly basis
basis an
an
calculations.
calculations. The
The template
template has
has been
been designed
designed specifically
specifically for
for the
the analysis
analysis of
of loans
loans that
that are
are subject
subject to
to variable
variable interest
interest rate
rate
ad
ad hoc
hoc loan
loan repayments
repayments that
that fall
fall outside
outside the
the scope
scope of
of standard
standard amortization
amortization tables.
tables. Interest
Interest calculations
calculations are
are based
based on
on da
d
(same
calculation
basis
as
used
by
most
financial
institutions)
and
an
unlimited
number
of
interest
rate
changes
can
(same calculation basis as used by most financial institutions) and an unlimited number of interest rate changes can bb
transactions
transactions need
need to
to be
be recorded
recorded by
by the
the user
user and
and aa comprehensive
comprehensive loan
loan account
account statement
statement is
is automatically
automatically calculated.
calculated. The
The
is
is aa simplified
simplified version
version of
of our
our Loan
Loan Calculation
Calculation && Analysis
Analysis template
template which
which also
also includes
includes comprehensive
comprehensive forecasting
forecasting features.
features.
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About
About this
this sample
sample file
file
This
This Excel
Excel document
document is
is only
only aa sample
sample of
of the
the loan
loan statement
statement template.
template. Weve
Weve created
created this
this sample
sample to
to enable
enable customers
customers to
to vi
v
of
of this
this template.
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You will
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n that
that is
is repaid
repaid on
on aa monthly
monthly basis
basis and
and subject
subject to
to daily
daily interest
interest
s that
that are
are subject
subject to
to variable
variable interest
interest rates
rates and
and also
also accommodates
accommodates
es.
es. Interest
Interest calculations
calculations are
are based
based on
on daily
daily loan
loan account
account balances
balances
number
of
interest
rate
changes
can
be
recorded.
number of interest rate changes can be recorded. Loan
Loan account
account
tatement is
statement
is automatically
automatically calculated.
calculated. The
The Loan
Loan Statement
Statement template
template
des
des comprehensive
comprehensive forecasting
forecasting features.
features.
ware
ware solutions
solutions than
than regular
regular Excel
Excel templates.
templates. Most
Most Excel
Excel templates
templates
eports
eports based
based on
on limited
limited user
user input.
input. You
You also
also don't
don't need
need advanced
advanced
input
input and
and include
include comprehensive
comprehensive step
step by
by step
step instructions.
instructions.
ed
ed this
this sample
sample to
to enable
enable customers
customers to
to view
view the
the layout
layout and
and features
features
he
he full
full version
version of
of the
the template
template can
can only
only be
be downloaded
downloaded after
after buying
buying
emplate
emplate
ere
here
Register
Register for
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click
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Excel Skills | Loan Statement Template

Instructions
www.excel-skills.com
This template enables users to compile a loan account statement for any loan that is repaid on a monthly basis and subject
to daily interest calculations. The template was specifically designed for home loan calculations but can be used for any
loan where the principles of monthly repayment and daily interest are applied.
The main purpose of this template is to calculate loan balances and interest amounts based on the same calculation
methodology that is applied by most financial institutions. This template can therefore be used to recalculate the amounts
on the loan account statements that are received from financial institutions and can also be used to compile loan account
statements for informal loans. The template accommodates multiple interest rate changes (variable interest rates),
increased instalments and ad hoc loan repayments.
Note: This template is a simplified version of our Loan Calculation & Analysis template. The difference between the two
templates is that the Loan Statement template only includes the statement and summary features and does not include a
comprehensive forecast of interest charges and loan account balances for the remaining loan repayment period. We also
recommend downloading our free Loan Amortization template if you only want to compile a basic loan amortization table.
Important: If you use this template to compile loan account statements for your customers, the loan account statement and
summary should be converted to a PDF format before being e-mailed to customers. You are not allowed to send the
template in its current file format (Excel file) to your customers because this would fall outside the scope of a single user
license and result in a copyright infringement.
Worksheet Summary
The main purpose of each worksheet is as follows:
TransCode - includes the default transaction types that need to be selected when entering loan account transactions.
Additional transaction types can also be added to the default list of transactions codes.
Statement - all loan account transactions should be recorded on this sheet. All the interest and loan account balance
calculations in this template are based on the transactions that are recorded on this sheet. Note that the Statement sheet
includes 12 columns but only four of these columns require user input (the columns with the yellow column headings).
Summary - includes a monthly summary of loan account transactions that is calculated from the Statement sheet. No user
input is required on this sheet.
Note: The template includes a lot of complex formulas and has been designed within a specific worksheet structure. We
therefore do not recommend adding additional rows or columns within the existing worksheet framework because it may
result in errors or inaccurate calculations being encountered. If you therefore want to add your own calculations to the
template, we recommend inserting a new worksheet for this purpose.
Template Set-up
Aside from recording loan account transactions, the template does not require a lot of set-up. We recommend that you
start by reviewing the transaction types on the TransCode sheet. The default template includes 7 transaction types of
which the first 5 should be left unchanged. Each of these transaction types has a specific purpose and if you therefore
change the type of transaction that is associated with the default transaction code, you may encounter inconsistencies in
the template calculations.
Page 3 of 29

Instructions
The Admin Fee and Insurance Premium transaction codes have been added as separate transaction types because these
costs are frequently included as separate line items on home loan account statements and usually form part of the monthly
loan repayment amounts. If you do not require these items, you can delete them or replace them with other costs that are
included on your loan account statement. Note that both transaction type number 6 and 7 are reported separately on the
Statement and Summary sheets and if you change the default transaction type descriptions, the new descriptions will be
included in column C on the Statement sheet but you have to enter the new descriptions in columns G and H on the
Summary sheet.
All the transaction types on the TransCode sheet are included in list boxes in column B on the Statement sheet. Additional
transaction types that are added to the default list of transaction types are also available for selection from these list boxes.
You will therefore be able to enter the transactions relating to these transaction types on the Statement sheet but note that
all transaction types with transaction codes greater than or equal to 8 are grouped together in one column on the Summary
sheet (column I).
Note: The contents on the TransCode sheet have been included in an Excel table. A new transaction code can therefore
be created by simply entering the new code in the first empty cell below the table in column A. The table will then be
extended automatically to include the new transaction type.
Loan Account Transactions

All loan account transactions need to be recorded on the Statement sheet. This sheet includes 12 columns but only four of
these columns require user input (columns with a yellow column heading). The contents of this sheet have been included
in an Excel table which means that the columns with light blue column headings (containing formulas) will automatically be
copied for all new transactions that are recorded.
When you therefore record any transaction, you will need to enter a date (in column A), select a transaction type from the
list box in column B, enter a new interest rate (only if an interest rate change transaction is being recorded, otherwise enter
0%), enter a transaction amount in column E and the formulas in all the other columns will automatically be copied from
one of the existing rows in the Excel table.
Note: New transactions can be recorded by simply entering a transaction date in the first blank cell below the Excel table in
column A. The table will then automatically be extended to include the new transaction and all the formulas in the columns
with a light blue column heading will automatically be copied into the new transaction row.
The following important guidelines should be followed when recording transactions on the Statement sheet:
The first transaction that is recorded on this sheet should always be an interest rate change transaction (transaction type 5)
and this transaction should be recorded on the same date as the first transaction on your loan account statement. The
interest rate that is applicable to the loan should be entered in column D and the transaction amount in column E should be
nil (the transaction amount for all interest rate change transactions should always be nil). This entry establishes the interest
rate that should be used to calculate interest from the beginning of the loan period.
All the transactions that are recorded on the Statement sheet should form part of a continuous cell range. There should
therefore be no empty rows between transactions, otherwise the loan account balances and therefore also the interest
calculations will be inaccurate.
All transactions should be recorded or sorted in an ascending date sequence (oldest transactions first). You'll notice that if
you enter a transaction that is out of sequence, the transaction date will be highlighted in red. This error can be corrected
by simply sorting all the transactions on the Statement sheet in an ascending order by the date in the first column. By
sorting the transactions in the correct order, you will ensure that the date sequence is rectified and that all interest
calculations are accurate.
Page 4 of 29

Instructions
The monthly interest on the outstanding loan account should be capitalized on the last day of each month. In order to
accomplish this, simply record an interest capitalization transaction (select transaction code 4) for the last day of each
month. The transaction amount in column E should be nil because the monthly interest capitalization calculation is
performed automatically through the formula that has been entered in column F. This interest calculation only applies to
transaction type 4 - if you therefore specify the incorrect transaction type, no interest will be capitalized to the loan at the
end of the appropriate month. Also note that the date that is entered should be the last day of the month - if you enter any
other date, the interest calculation will not be accurate. The transaction date in column A will be highlighted in orange if the
incorrect interest capitalization date is specified.
It is imperative that you don't replace any of the formulas in the columns with light blue column headings with alternative
values because it will result in inaccurate calculations. We recommend that you save the template under a default file
name after downloading it and save each loan statement under a different file name. You will then be able to revert back to
the original template if you delete any of the formulas by accident.
All transaction amounts except for loan repayments and ad hoc repayments should be entered as positive values. Loan
repayments and ad hoc repayments should be entered as negative values - if you enter positive values for any repayment
type transactions, the transaction amounts will be highlighted in orange.
The following section covers the default transaction types that should be recorded on the Statement sheet:
Loan Advances
Loan advances are amounts that are received from the financial institution who grants the loan. You can record as many
loan advances as required by simply entering the appropriate transaction date, selecting transaction type 1 and entering
the appropriate loan advance amount in the Transaction Amount column (column E). Loan advances should be entered as
positive amounts.
Loan Repayments
For the purpose of distinguishing between compulsory and voluntary loan repayments, we have assigned scheduled loan
repayments and ad hoc loan repayments to different transaction types. Scheduled loan repayments are determined by the
terms in a loan agreement, while ad hoc loan repayments are effected at the borrower's own discretion.
Scheduled loan repayments need to be recorded on the Statement sheet by entering the appropriate transaction date,
selecting transaction type 2 and entering the appropriate loan repayment amount as a negative value in the Transaction
Amount column. Note that if you enter a positive loan repayment amount, the amount will be highlighted in orange in the
Transaction Amount column until it is rectified.
Ad Hoc Repayments
The template accommodates an unlimited number of ad hoc loan repayments. It also makes no difference whether the ad
hoc repayment is an increased instalment or a lump sum repayment.
Ad hoc repayments can be recorded on the Statement sheet by simply entering the appropriate transaction date, selecting
transaction type 3 and entering a negative amount in the Transaction Amount column. If you enter a positive ad hoc loan
repayment amount, the amount will be highlighted in orange until the error is rectified.
Interest Capitalization
Page 5 of 29

Instructions
The interest calculations in this template are based on the daily loan account balances. Transactions are included in the
daily loan account balance as if the transactions occurred at the beginning of the day. For example, if a loan repayment is
dated on the 2nd of January, the repayment is deducted from the loan balance of the previous day and included in the
interest calculation from the 2nd of January. For month end interest capitalization purposes, the loan repayment on the 2nd
will therefore be included in the monthly interest calculation for a period of 30 days.
Page 6 of 29

Instructions
All interest calculations are automatically performed based on the transactions that are recorded on the Statement sheet.
As we've mentioned before, it is imperative that all transactions are recorded in the correct date sequence (ascending date
order), otherwise the interest calculations may not be accurate. All interest calculations are performed based on the
balances calculated in the Transaction Closing Balance column by applying the appropriate interest rate and the number of
days that the balance is in effect to this amount.
The calculated interest is capitalized to the loan account balance when you enter an Interest Capitalization
transaction for the last day of the appropriate calendar month. Note that if you don't enter this transaction, the
interest calculated for the particular month will not be added to the loan account balance and your loan account
statement will not be accurate! It is therefore imperative that you add an Interest Capitalization transaction to the
Statement sheet for every month that forms part of the loan period.
Also note that this transaction has to be dated on the last day of the month - if you use any other date, the interest
calculation will not be accurate. We have implemented conditional formatting in column A to highlight the interest
capitalization transactions that are not dated on a month end date in orange. When you change the transaction date to the
appropriate month end date, the formatting is automatically removed.
Interest capitalization transactions can be recorded by entering the appropriate month end date, selecting transaction type
4 and entering a nil amount in the Transaction Amount column. The calculated interest is reflected in column F and is
automatically added to the outstanding loan balance in column G.
Interest Rate Changes
This template accommodates an unlimited number of interest rate changes. An interest rate change can be recorded on
the Statement sheet by simply entering the effective date of the interest rate change in column A, selecting transaction type
5, entering the appropriate new interest rate in column D and entering a nil amount in the Transaction Amount column.
You'll notice that the interest rate in column H (used in all interest calculations) will change to the new interest rate that has
been recorded. Interest on all subsequent transactions will be calculated based on the new interest rate (until the next
interest rate change transaction is recorded).
As we've mentioned before, the first transaction that should be recorded on the Statement sheet is an interest rate
change transaction. This transaction establishes the interest rate that should be used to calculate interest from
the beginning of the loan period. If you omit this transaction, the interest rate that will be used to calculate interest
on the initial loan balance will be nil and no interest will therefore be calculated and capitalized to the initial loan
account balance until an interest rate is defined.
Interest rate changes can only be recorded by using transaction type 5 - if you enter a new interest rate in column D and
select any other transaction type, the interest rate change will not have any effect on interest calculations.
Other Loan Costs
As we've mentioned before, other loan costs (like admin fees and insurance) can be recorded by using transaction codes 6
and 7 or adding the appropriate transaction codes to the TransCode sheet and selecting the appropriate transaction type
from the list box in column B on the Statement sheet. These transactions usually relate to costs that are charged to the
loan account and should therefore be entered as positive values in the Transaction Amount column. Financial institutions
typically include these costs in scheduled loan repayments and the costs are therefore deducted from the loan account
balance when you record scheduled loan repayments (transaction type 2) on the Statement sheet.
Page 7 of 29

Instructions
Loan Account Statement
All loan transactions should be entered on the Statement sheet in accordance with the guidance provided in the previous
section. After reading through the previous section, you should therefore be able to record all the appropriate transactions
on the Statement sheet and we'll now provide guidance on the calculated columns (columns with a light blue column
heading) on this sheet.
The transaction description in column C has been included on the Statement sheet so that it is easy to identify the
transaction types that are selected from the list boxes in column B. The list boxes only include the transaction type
numbers - we've therefore included the description in column C to enable users to review the transaction type that has
been selected.
The calculated interest in column F represents the amount of interest that is capitalized to the loan account at the end of
every calendar month. All scheduled loan repayments consist of an interest and capital portion - this column includes the
interest portion that is calculated based on the daily loan account balances during the particular monthly period. This
column should therefore only contain one calculated interest amount per calendar month.
The monthly interest amount that should be capitalized is the total of all the accrued interest amounts in column L for the
particular month. The accrued interest is calculated from the interest rate in column H, the interest days in column J and
the transaction closing loan balance in column K.
The outstanding loan balance on each transaction date is calculated in column G. This amount represents the capital
balance that is still outstanding on the loan.
The monthly capital portion of the loan repayments can be calculated by adding the interest and other costs together and
deducting the sum of the scheduled loan repayments and the ad hoc loan repayments from this amount. Note that it may
therefore be easier to calculate this amount from the totals on the Summary sheet.
Loan Account Summary

The Summary sheet includes a complete breakdown of the movements on the loan account for all monthly periods. All the
totals on this sheet are calculated from the transactions that are entered on the Statement sheet. No user input is required
on this sheet - users are only required to extend the Excel table for the appropriate number of new rows in order to add the
required number of monthly periods to the summary.
Note: The contents of this sheet have been included in an Excel table. The table can be extended by clicking the arrow in
the bottom right corner of the table and dragging the table border downwards for the required number of rows. All the
formulas that are included in the table will be copied automatically.
The first monthly period on the Summary sheet is determined by the transaction date of the first transaction on the
Statement sheet. The transaction date in row 4 on the Statement sheet therefore determines which monthly period is
displayed in the first row of the Summary sheet. All subsequent monthly periods on the Summary sheet are calculated
based on the first monthly period.
The Loan Advance column is calculated based on all the transactions with a transaction type of 1 on the Statement sheet.
Scheduled loan repayments (transaction type 2), ad hoc repayments (transaction type 3), interest capitalized (transaction
type 4), admin fees (transaction type 6), insurance premiums (transaction type 7) and other costs (all transaction types
greater than 7 that have been added to the TransCode sheet) are also calculated based on the transaction types of the
transactions that are recorded on the Statement sheet.
Page 8 of 29

Instructions
As we've mentioned before, an interest capitalization transaction should be recorded on the month end date of every
monthly period that forms part of the loan period in order to calculate interest accurately. If this transaction has been
omitted for any monthly period, the loan account balances and subsequent interest calculations will be inaccurate. We
therefore recommend that you review the loan summary for confirmation that an interest capitalized amount (column F)
has been calculated for all the months that are included on the summary. If a nil value is displayed in any month, simply
enter an interest capitalization transaction (transaction type 4) for the particular month on the Statement sheet.
Note: We have added conditional formatting to the Interest Capitalized column in order to highlight cells that contain a nil
amount in orange.
The Summary sheet can be used to analyze all loan account transactions on a monthly basis for the duration of the loan
period. It is therefore an extremely useful tool for reviewing the loan account transaction and balance history.
Help & Customization

If you experience any difficulty while using this template and you are not able to find the appropriate guidance in these
instructions, please e-mail us at support@excel-skills.com for assistance. This template has been designed with flexibility
in mind to ensure that it can be used in most business environments. If however you need an Excel based template that is
customized specifically for your business requirements, please e-mail our Support function and provide a brief explanation
of your requirements.
Copyright
This template remains the intellectual property of www.excel-skills.com and is protected by international copyright laws. Any
publication or distribution of this template outside the scope of the permitted use of the template is expressly prohibited. In
terms of the permitted use of this template, only the distribution of the template to persons within the same organisation as
the registered user or persons outside the organisation who can reasonably be expected to require access to the template
as a direct result of the use of the template by the registered user is allowed. Subsequent distribution of the template by
parties outside of the organisation is however expressly prohibited and represents an infringement of international
copyright laws.
Page 9 of 29
Transaction Codes
Code
Transaction Type
Loan Advance
Loan Repayment
Ad Hoc Repayment
Interest Capitalized
Interest Rate Change
Admin Fee
Insurance Premium
On
On this
this sheet:
sheet:
This
This sheet
sheet includes
includes the
the default
default loan
loan account
account transaction
transaction
types.
types. Additional
Additional transaction
transaction types
types can
can be
be added
added to
to the
the list
list by
by
entering
entering the
the new
new codes
codes below
below the
the last
last default
default code.
code. The
The
transaction
transaction types
types that
that are
are entered
entered on
on this
this sheet
sheet are
are included
included
in
in aa list
list box
box on
on the
the Statement
Statement sheet.
sheet.
Page 10 of 29
Loan Statement
Date
Code
Transaction Description
New Interest
Rate
10.75%
Transaction
Amount
Outstanding
Balance
Transaction
Closing
Accrued
Interest
10.75%
2005/4
Loan Advance
0.00%
400,000.00
400,000.00
10.75%
2005/4
4/2/2005
Admin Fee
0.00%
5.70
400,005.70
10.75%
2005/4
400,000.00
4/2/2005
Insurance Premium
0.00%
147.40
400,153.10
10.75%
2005/4
400,005.70
4/30/2005
0.00%
403,688.65
10.75%
2005/4
29
400,153.10
3,417.75
5/3/2005
Admin Fee
0.00%
5.70
403,694.35
10.75%
2005/5
403,688.65
237.79
5/4/2005
Insurance Premium
0.00%
147.40
403,841.75
10.75%
2005/5
403,694.35
118.90
5/7/2005
Loan Repayment
0.00%
-4,214.02
399,627.73
10.75%
2005/5
403,841.75
356.82
5/31/2005
0.00%
403,283.70
10.75%
2005/5
25
399,627.73
2,942.46
6/1/2005
Admin Fee
0.00%
5.70
403,289.40
10.75%
2005/6
403,283.70
6/2/2005
Insurance Premium
0.00%
147.40
403,436.80
10.75%
2005/6
403,289.40
6/7/2005
Loan Repayment
0.00%
-4,214.02
399,222.78
10.75%
2005/6
403,436.80
594.10
6/30/2005
0.00%
402,757.57
10.75%
2005/6
24
399,222.78
2,821.90
7/1/2005
Admin Fee
0.00%
5.70
402,763.27
10.75%
2005/7
402,757.57
7/2/2005
Insurance Premium
0.00%
147.40
402,910.67
10.75%
2005/7
402,763.27
7/7/2005
Loan Repayment
0.00%
-4,214.02
398,696.65
10.75%
2005/7
402,910.67
593.33
7/31/2005
0.00%
402,344.20
10.75%
2005/7
25
398,696.65
2,935.61
8/1/2005
Admin Fee
0.00%
5.70
402,349.90
10.75%
2005/8
402,344.20
8/2/2005
Insurance Premium
0.00%
147.40
402,497.30
10.75%
2005/8
402,349.90
8/8/2005
Loan Repayment
0.00%
-4,214.02
398,283.28
10.75%
2005/8
402,497.30
711.26
8/31/2005
0.00%
401,928.31
10.75%
2005/8
24
398,283.28
2,815.26
9/1/2005
Admin Fee
0.00%
5.70
401,934.01
10.75%
2005/9
401,928.31
9/2/2005
Insurance Premium
0.00%
147.40
402,081.41
10.75%
2005/9
401,934.01
9/7/2005
Loan Repayment
0.00%
-4,214.02
397,867.39
10.75%
2005/9
402,081.41
592.11
9/30/2005
0.00%
401,390.20
10.75%
2005/9
24
397,867.39
2,812.32
10/1/2005
Admin Fee
0.00%
5.70
401,395.90
10.75%
2005/10
401,390.20
10/3/2005
Insurance Premium
0.00%
147.40
401,543.30
10.75%
2005/10
401,395.90
10/7/2005
Loan Repayment
0.00%
-4,214.02
397,329.28
10.75%
2005/10
401,543.30
473.05
10/28/2005
397,329.28
10.25%
2005/10
21
397,329.28
2,457.45
10/31/2005
0.00%
400,942.54
10.25%
2005/10
397,329.28
446.32
11/1/2005
Admin Fee
0.00%
5.70
400,948.24
10.25%
2005/11
400,942.54
11/2/2005
Insurance Premium
0.00%
147.40
401,095.64
10.25%
2005/11
400,948.24
11/7/2005
Loan Repayment
0.00%
-4,108.49
396,987.15
10.25%
2005/11
401,095.64
563.18
11/30/2005
0.00%
400,338.51
10.25%
2005/11
24
396,987.15
2,675.58
12/1/2005
Admin Fee
0.00%
5.70
400,344.21
10.25%
2005/12
400,338.51
12/2/2005
Insurance Premium
0.00%
147.40
400,491.61
10.25%
2005/12
400,344.21
112.43
12/7/2005
Loan Repayment
0.00%
-4,108.49
396,383.12
10.25%
2005/12
400,491.61
562.33
3,535.55
3,655.97
3,534.78
3,647.56
3,645.03
3,522.81
3,613.26
3,351.36
Page 11 of 29
Transaction
Month
Interest Days
4/1/2005
Interest Rate
4/1/2005
10.25%
Calculated
Interest
117.81
-
118.78
118.62
118.50
118.38
236.44
112.60
Loan Statement
Date
Code
New Interest
Rate
Transaction
Amount
-
Calculated
Interest
Outstanding
Balance
Transaction
Month
Interest Days
Transaction
Closing
Accrued
Interest
12/31/2005
0.00%
399,840.70
10.25%
2005/12
25
396,383.12
2,782.83
1/4/2006
Insurance Premium
0.00%
147.40
399,988.10
10.25%
2006/1
399,840.70
336.85
1/4/2006
Admin Fee
0.00%
5.70
399,993.80
10.25%
2006/1
399,988.10
1/7/2006
Loan Repayment
0.00%
-4,108.49
395,885.31
10.25%
2006/1
399,993.80
1/10/2006
Ad Hoc Repayment
0.00%
-5,000.00
390,885.31
10.25%
2006/1
395,885.31
333.52
1/31/2006
0.00%
394,307.59
10.25%
2006/1
22
390,885.31
2,414.92
2/1/2006
Admin Fee
0.00%
5.70
394,313.29
10.25%
2006/2
394,307.59
2/2/2006
Insurance Premium
0.00%
164.49
394,477.78
10.25%
2006/2
394,313.29
2/7/2006
Loan Repayment
0.00%
-4,125.58
390,352.20
10.25%
2006/2
394,477.78
553.89
2/28/2006
0.00%
393,428.45
10.25%
2006/2
22
390,352.20
2,411.63
3/2/2006
Admin Fee
0.00%
5.70
393,434.15
10.25%
2006/3
393,428.45
110.48
3/3/2006
Insurance Premium
0.00%
164.49
393,598.64
10.25%
2006/3
393,434.15
110.48
3/7/2006
Loan Repayment
0.00%
-4,125.58
389,473.06
10.25%
2006/3
393,598.64
442.12
3/31/2006
0.00%
392,870.47
10.25%
2006/3
25
389,473.06
2,734.31
4/1/2006
Admin Fee
0.00%
5.70
392,876.17
10.25%
2006/4
392,870.47
4/3/2006
Insurance Premium
0.00%
164.49
393,040.66
10.25%
2006/4
392,876.17
4/7/2006
Loan Repayment
0.00%
-4,125.58
388,915.08
10.25%
2006/4
393,040.66
441.50
4/30/2006
0.00%
392,198.41
10.25%
2006/4
24
388,915.08
2,621.18
5/2/2006
Admin Fee
0.00%
5.70
392,204.11
10.25%
2006/5
392,198.41
110.14
5/3/2006
Insurance Premium
0.00%
164.49
392,368.60
10.25%
2006/5
392,204.11
110.14
5/8/2006
Loan Repayment
0.00%
-4,125.58
388,243.02
10.25%
2006/5
392,368.60
550.93
5/31/2006
0.00%
391,630.88
10.25%
2006/5
24
388,243.02
2,616.65
6/1/2006
Admin Fee
0.00%
5.70
391,636.58
10.25%
2006/6
391,630.88
6/2/2006
Insurance Premium
0.00%
164.49
391,801.07
10.25%
2006/6
391,636.58
109.98
6/7/2006
Loan Repayment
0.00%
-4,125.58
387,675.49
10.25%
2006/6
391,801.07
550.13
6/14/2006
387,675.49
10.75%
2006/6
387,675.49
762.07
6/30/2006
391,038.71
10.75%
2006/6
17
387,675.49
1,941.03
7/1/2006
7/3/2006
3,457.59
Interest Rate
3,422.27
3,076.25
3,397.41
3,283.34
3,387.86
336.98
110.73
220.66
10.75%
0.00%
Admin Fee
0.00%
5.70
391,044.41
10.75%
2006/7
391,038.71
Insurance Premium
0.00%
164.49
391,208.90
10.75%
2006/7
391,044.41
7/7/2006
Loan Repayment
0.00%
-4,184.88
387,024.02
10.75%
2006/7
391,208.90
460.88
7/31/2006
0.00%
390,564.90
10.75%
2006/7
25
387,024.02
2,849.66
8/1/2006
Admin Fee
0.00%
5.70
390,570.60
10.75%
2006/8
390,564.90
8/2/2006
Insurance Premium
0.00%
164.49
390,735.09
10.75%
2006/8
390,570.60
115.03
8/5/2006
390,735.09
11.25%
2006/8
390,735.09
345.24
8/7/2006
Loan Repayment
0.00%
386,386.64
11.25%
2006/8
390,735.09
240.86
8/31/2006
0.00%
390,065.07
11.25%
2006/8
25
386,386.64
2,977.29
9/1/2006
Admin Fee
0.00%
5.70
390,070.77
11.25%
2006/9
390,065.07
11.25%
-4,348.45
3,363.22
3,540.88
3,678.43
-
Page 12 of 29
230.34
Loan Statement
Date
Code
New Interest
Rate
Transaction
Amount
Calculated
Interest
Outstanding
Balance
Interest Rate
Transaction
Month
Interest Days
Transaction
Closing
Accrued
Interest
9/2/2006
Insurance Premium
0.00%
164.49
390,235.26
11.25%
2006/9
390,070.77
9/7/2006
Loan Repayment
0.00%
-4,348.45
385,886.81
11.25%
2006/9
390,235.26
601.39
9/30/2006
0.00%
389,462.93
11.25%
2006/9
24
385,886.81
2,854.51
10/2/2006
Admin Fee
0.00%
5.70
389,468.63
11.25%
2006/10
389,462.93
120.04
10/3/2006
Insurance Premium
0.00%
164.49
389,633.12
11.25%
2006/10
389,468.63
120.04
10/7/2006
Loan Repayment
0.00%
-4,348.45
385,284.67
11.25%
2006/10
389,633.12
480.37
10/14/2006
385,284.67
11.75%
2006/10
385,284.67
831.26
10/31/2006
389,068.92
11.75%
2006/10
18
385,284.67
2,232.54
11/1/2006
11/2/2006
3,576.12
120.23
11.75%
0.00%
Admin Fee
0.00%
5.70
389,074.62
11.75%
2006/11
389,068.92
Insurance Premium
0.00%
164.49
389,239.11
11.75%
2006/11
389,074.62
11/7/2006
Loan Repayment
0.00%
-4,499.32
384,739.79
11.75%
2006/11
389,239.11
626.52
11/30/2006
0.00%
388,464.07
11.75%
2006/11
24
384,739.79
2,972.51
12/1/2006
Admin Fee
0.00%
5.70
388,469.77
11.75%
2006/12
388,464.07
12/2/2006
Insurance Premium
0.00%
164.49
388,634.26
11.75%
2006/12
388,469.77
125.06
12/7/2006
Loan Repayment
0.00%
-4,499.32
384,134.94
11.75%
2006/12
388,634.26
625.54
12/9/2006
384,134.94
12.25%
2006/12
384,134.94
247.32
12/31/2006
388,098.06
12.25%
2006/12
23
384,134.94
2,965.21
1/2/2007
1/3/2007
3,784.26
3,724.28
125.25
12.25%
0.00%
Admin Fee
0.00%
5.70
388,103.76
12.25%
2007/1
388,098.06
130.25
Insurance Premium
0.00%
164.49
388,268.25
12.25%
2007/1
388,103.76
130.25
1/8/2007
Loan Repayment
0.00%
-4,564.51
383,703.74
12.25%
2007/1
388,268.25
651.55
1/31/2007
0.00%
387,706.45
12.25%
2007/1
24
383,703.74
3,090.65
2/1/2007
Admin Fee
0.00%
5.70
387,712.15
12.25%
2007/2
387,706.45
2/2/2007
Insurance Premium
0.00%
171.04
387,883.19
12.25%
2007/2
387,712.15
2/7/2007
Loan Repayment
0.00%
-4,571.06
383,312.13
12.25%
2007/2
387,883.19
650.90
2/28/2007
0.00%
386,923.36
12.25%
2007/2
22
383,312.13
2,830.21
3/1/2007
Admin Fee
0.00%
5.70
386,929.06
12.25%
2007/3
386,923.36
3/2/2007
Insurance Premium
0.00%
171.04
387,100.10
12.25%
2007/3
386,929.06
3/7/2007
Loan Repayment
0.00%
-4,571.06
382,529.04
12.25%
2007/3
387,100.10
649.59
3/31/2007
0.00%
386,518.06
12.25%
2007/3
25
382,529.04
3,209.58
4/2/2007
Admin Fee
0.00%
5.70
386,523.76
12.25%
2007/4
386,518.06
129.72
4/3/2007
Insurance Premium
0.00%
171.04
386,694.80
12.25%
2007/4
386,523.76
129.72
4/7/2007
Loan Repayment
0.00%
-4,571.06
382,123.74
12.25%
2007/4
386,694.80
519.12
4/30/2007
0.00%
385,980.24
12.25%
2007/4
24
382,123.74
3,077.93
5/2/2007
Admin Fee
0.00%
5.70
385,985.94
12.25%
2007/5
385,980.24
129.54
5/3/2007
Insurance Premium
0.00%
171.04
386,156.98
12.25%
2007/5
385,985.94
129.54
5/7/2007
Loan Repayment
0.00%
-4,571.06
381,585.92
12.25%
2007/5
386,156.98
518.40
5/31/2007
0.00%
385,565.07
12.25%
2007/5
25
381,585.92
3,201.66
3,963.12
4,002.71
3,611.23
3,989.02
3,856.50
3,979.15
Page 13 of 29
130.12
129.86
Loan Statement
Date
Code
New Interest
Rate
Transaction
Amount
Calculated
Interest
Outstanding
Balance
Interest Rate
Transaction
Month
Interest Days
Transaction
Closing
Accrued
Interest
6/1/2007
Admin Fee
0.00%
5.70
385,570.77
12.25%
2007/6
385,565.07
6/2/2007
Insurance Premium
0.00%
171.04
385,741.81
12.25%
2007/6
385,570.77
129.40
6/7/2007
Loan Repayment
0.00%
-4,571.06
381,170.75
12.25%
2007/6
385,741.81
647.31
6/8/2007
381,170.75
12.75%
2007/6
381,170.75
127.93
6/30/2007
385,137.81
12.75%
2007/6
23
381,170.75
3,062.42
7/2/2007
7/3/2007
12.75%
0.00%
Admin Fee
0.00%
5.70
385,143.51
12.75%
2007/7
385,137.81
134.53
Insurance Premium
0.00%
171.04
385,314.55
12.75%
2007/7
385,143.51
134.54
7/7/2007
Loan Repayment
0.00%
-4,699.12
380,615.43
12.75%
2007/7
385,314.55
538.38
7/15/2007
Ad Hoc Repayment
0.00%
-10,000.00
370,615.43
12.75%
2007/7
380,615.43
1,063.64
7/31/2007
0.00%
374,687.37
12.75%
2007/7
17
370,615.43
2,200.85
8/1/2007
Admin Fee
0.00%
5.70
374,693.07
12.75%
2007/8
374,687.37
8/2/2007
Insurance Premium
0.00%
171.04
374,864.11
12.75%
2007/8
374,693.07
8/7/2007
Loan Repayment
0.00%
-4,699.12
370,164.99
12.75%
2007/8
374,864.11
654.73
8/17/2007
370,164.99
13.25%
2007/8
10
370,164.99
1,293.04
8/31/2007
0.00%
374,259.27
13.25%
2007/8
15
370,164.99
2,015.62
9/1/2007
Admin Fee
0.00%
5.70
374,264.97
13.25%
2007/9
374,259.27
9/3/2007
Insurance Premium
0.00%
171.04
374,436.01
13.25%
2007/9
374,264.97
9/7/2007
Loan Repayment
0.00%
-4,721.31
369,714.70
13.25%
2007/9
374,436.01
543.70
9/30/2007
0.00%
373,751.20
13.25%
2007/9
24
369,714.70
3,221.08
10/1/2007
Admin Fee
0.00%
5.70
373,756.90
13.25%
2007/10
373,751.20
10/2/2007
Insurance Premium
0.00%
171.04
373,927.94
13.25%
2007/10
373,756.90
135.68
10/4/2007
373,927.94
12.40%
2007/10
373,927.94
271.48
10/8/2007
Loan Repayment
0.00%
369,356.29
12.40%
2007/10
373,927.94
508.13
10/31/2007
0.00%
373,283.10
12.40%
2007/10
24
369,356.29
3,011.52
11/1/2007
Admin Fee
0.00%
35.00
373,318.10
12.40%
2007/11
373,283.10
11/2/2007
Insurance Premium
0.00%
171.04
373,489.14
12.40%
2007/11
373,318.10
11/7/2007
Loan Repayment
0.00%
-4,571.65
368,917.49
12.40%
2007/11
373,489.14
634.42
11/30/2007
0.00%
372,686.68
12.40%
2007/11
24
368,917.49
3,007.94
12/1/2007
Admin Fee
0.00%
35.00
372,721.68
12.40%
2007/12
372,686.68
12/3/2007
Insurance Premium
0.00%
171.04
372,892.72
12.40%
2007/12
372,721.68
253.25
12/7/2007
372,892.72
13.40%
2007/12
372,892.72
506.73
12/7/2007
Loan Repayment
0.00%
368,063.08
13.40%
2007/12
372,892.72
12/31/2007
0.00%
372,201.16
13.40%
2007/12
25
368,063.08
3,378.11
1/2/2008
Admin Fee
0.00%
35.00
372,236.16
13.40%
2008/1
372,201.16
136.64
1/3/2008
Insurance Premium
0.00%
171.04
372,407.20
13.40%
2008/1
372,236.16
136.66
1/7/2008
Loan Repayment
0.00%
-4,829.64
367,577.56
13.40%
2008/1
372,407.20
546.88
1/15/2008
Ad Hoc Repayment
0.00%
-15,000.00
352,577.56
13.40%
2008/1
367,577.56
1,079.57
13.25%
12.40%
13.40%
-4,571.65
-
-4,829.64
-
3,967.06
4,071.94
4,094.28
4,036.50
3,926.81
3,769.19
4,138.09
Page 14 of 29
130.89
271.73
126.83
Loan Statement
Date
Code
New Interest
Rate
Transaction
Amount
-
Calculated
Interest
Outstanding
Balance
Transaction
Month
Interest Days
Transaction
Closing
Accrued
Interest
1/31/2008
0.00%
356,677.78
13.40%
2008/1
17
352,577.56
2/1/2008
Admin Fee
0.00%
37.00
356,714.78
13.40%
2008/2
356,677.78
2/2/2008
Insurance Premium
0.00%
179.03
356,893.81
13.40%
2008/2
356,714.78
2/7/2008
Loan Repayment
0.00%
-4,839.63
352,054.18
13.40%
2008/2
356,893.81
655.12
2/29/2008
0.00%
355,812.95
13.40%
2008/2
23
352,054.18
2,972.69
3/1/2008
Admin Fee
0.00%
37.00
355,849.95
13.40%
2008/3
355,812.95
3/3/2008
Insurance Premium
0.00%
179.03
356,028.98
13.40%
2008/3
355,849.95
3/7/2008
Loan Repayment
0.00%
-4,839.63
351,189.35
13.40%
2008/3
356,028.98
522.83
3/31/2008
0.00%
355,196.70
13.40%
2008/3
25
351,189.35
3,223.24
4/1/2008
Admin Fee
0.00%
37.00
355,233.70
13.40%
2008/4
355,196.70
4/2/2008
Insurance Premium
0.00%
179.03
355,412.73
13.40%
2008/4
355,233.70
130.41
4/7/2008
Loan Repayment
0.00%
-4,839.63
350,573.10
13.40%
2008/4
355,412.73
652.40
4/11/2008
350,573.10
13.90%
2008/4
350,573.10
514.81
4/30/2008
354,540.85
13.90%
2008/4
20
350,573.10
2,670.12
5/3/2008
5/5/2008
4,100.22
Interest Rate
3,758.77
4,007.35
2,200.47
130.96
261.28
13.90%
0.00%
Admin Fee
0.00%
37.00
354,577.85
13.90%
2008/5
354,540.85
270.03
Insurance Premium
0.00%
179.03
354,756.88
13.90%
2008/5
354,577.85
270.06
5/7/2008
Loan Repayment
0.00%
-4,711.86
350,045.02
13.90%
2008/5
354,756.88
270.20
5/31/2008
0.00%
354,187.93
13.90%
2008/5
25
350,045.02
3,332.62
6/2/2008
Admin Fee
0.00%
37.00
354,224.93
13.90%
2008/6
354,187.93
134.88
6/3/2008
Insurance Premium
0.00%
179.03
354,403.96
13.90%
2008/6
354,224.93
134.90
6/7/2008
Loan Repayment
0.00%
-4,711.86
349,692.10
13.90%
2008/6
354,403.96
539.86
6/13/2008
349,692.10
14.40%
2008/6
349,692.10
799.02
6/30/2008
353,784.06
14.40%
2008/6
18
349,692.10
2,483.29
7/1/2008
7/2/2008
3,967.75
4,142.91
14.40%
0.00%
Admin Fee
0.00%
37.00
353,821.06
14.40%
2008/7
353,784.06
Insurance Premium
0.00%
179.03
354,000.09
14.40%
2008/7
353,821.06
7/7/2008
Loan Repayment
0.00%
-4,837.15
349,162.94
14.40%
2008/7
354,000.09
698.30
7/31/2008
0.00%
353,444.63
14.40%
2008/7
25
349,162.94
3,443.80
8/1/2008
Admin Fee
0.00%
37.00
353,481.63
14.40%
2008/8
353,444.63
8/2/2008
Insurance Premium
0.00%
179.03
353,660.66
14.40%
2008/8
353,481.63
8/7/2008
Loan Repayment
0.00%
-4,837.15
348,823.51
14.40%
2008/8
353,660.66
697.63
8/31/2008
0.00%
353,101.05
14.40%
2008/8
25
348,823.51
3,440.45
9/1/2008
Admin Fee
0.00%
37.00
353,138.05
14.40%
2008/9
353,101.05
9/2/2008
Insurance Premium
0.00%
179.03
353,317.08
14.40%
2008/9
353,138.05
9/8/2008
Loan Repayment
0.00%
-4,837.15
348,479.93
14.40%
2008/9
353,317.08
836.35
9/30/2008
0.00%
352,617.69
14.40%
2008/9
23
348,479.93
3,162.10
10/1/2008
Admin Fee
0.00%
37.00
352,654.69
14.40%
2008/10
352,617.69
10/2/2008
Insurance Premium
0.00%
179.03
352,833.72
14.40%
2008/10
352,654.69
4,091.95
4,281.69
4,277.54
4,137.76
Page 15 of 29
139.59
139.46
139.32
139.13
Loan Statement
Date
Code
New Interest
Rate
Transaction
Amount
10/7/2008
Loan Repayment
0.00%
10/31/2008
0.00%
-4,837.15
11/1/2008
Admin Fee
0.00%
37.00
11/3/2008
Insurance Premium
0.00%
179.03
11/7/2008
Loan Repayment
0.00%
-4,837.15
11/30/2008
0.00%
12/1/2008
Admin Fee
0.00%
37.00
12/2/2008
Insurance Premium
0.00%
179.03
12/8/2008
Loan Repayment
0.00%
-4,837.15
12/12/2008
12/31/2008
1/2/2009
1/3/2009
Calculated
Interest
Outstanding
Balance
-
Interest Rate
Transaction
Month
Interest Days
Transaction
Closing
Accrued
Interest
347,996.57
14.40%
2008/10
352,833.72
696.00
352,264.00
14.40%
2008/10
25
347,996.57
3,432.29
352,301.00
14.40%
2008/11
352,264.00
352,480.03
14.40%
2008/11
352,301.00
347,642.88
14.40%
2008/11
352,480.03
556.24
351,768.75
14.40%
2008/11
24
347,642.88
3,291.65
351,805.75
14.40%
2008/12
351,768.75
351,984.78
14.40%
2008/12
351,805.75
138.79
347,147.63
14.40%
2008/12
351,984.78
833.19
347,147.63
13.90%
2008/12
347,147.63
547.83
351,311.47
13.90%
2008/12
20
347,147.63
2,644.03
4,267.43
4,125.88
277.98
13.90%
0.00%
Admin Fee
0.00%
42.00
351,353.47
13.90%
2009/1
351,311.47
133.79
Insurance Premium
0.00%
179.03
351,532.50
13.90%
2009/1
351,353.47
133.80
1/7/2009
Loan Repayment
0.00%
-4,719.16
346,813.34
13.90%
2009/1
351,532.50
535.49
1/31/2009
0.00%
350,918.27
13.90%
2009/1
25
346,813.34
3,301.85
2/2/2009
Admin Fee
0.00%
42.00
350,960.27
13.90%
2009/2
350,918.27
133.64
2/3/2009
Insurance Premium
0.00%
202.16
351,162.43
13.90%
2009/2
350,960.27
133.65
2/6/2009
351,162.43
12.90%
2009/2
351,162.43
401.19
2/7/2009
Loan Repayment
0.00%
346,674.04
12.90%
2009/2
351,162.43
124.11
2/28/2009
0.00%
350,162.14
12.90%
2009/2
22
346,674.04
2,695.51
3/2/2009
Admin Fee
0.00%
42.00
350,204.14
12.90%
2009/3
350,162.14
123.76
3/3/2009
Insurance Premium
0.00%
202.16
350,406.30
12.90%
2009/3
350,204.14
123.77
3/7/2009
Loan Repayment
0.00%
-4,488.39
345,917.91
12.90%
2009/3
350,406.30
495.37
3/25/2009
345,917.91
11.90%
2009/3
18
345,917.91
2,200.61
3/31/2009
0.00%
349,650.87
11.90%
2009/3
345,917.91
789.45
4/1/2009
Admin Fee
0.00%
42.00
349,692.87
11.90%
2009/4
349,650.87
4/2/2009
Insurance Premium
0.00%
202.16
349,895.03
11.90%
2009/4
349,692.87
4/7/2009
Loan Repayment
0.00%
-4,300.28
345,594.75
11.90%
2009/4
349,895.03
570.38
4/30/2009
0.00%
348,983.29
11.90%
2009/4
24
345,594.75
2,704.16
5/2/2009
Admin Fee
0.00%
42.00
349,025.29
11.90%
2009/5
348,983.29
113.78
5/4/2009
Insurance Premium
0.00%
202.16
349,227.45
11.90%
2009/5
349,025.29
227.58
5/7/2009
Loan Repayment
0.00%
-4,300.28
344,927.17
11.90%
2009/5
349,227.45
341.57
5/29/2009
9.90%
344,927.17
9.90%
2009/5
22
344,927.17
2,474.03
5/31/2009
0.00%
348,364.80
9.90%
2009/5
344,927.17
280.67
6/1/2009
Admin Fee
0.00%
42.00
348,406.80
9.90%
2009/6
348,364.80
6/2/2009
Insurance Premium
0.00%
202.16
348,608.96
9.90%
2009/6
348,406.80
94.50
6/8/2009
Loan Repayment
0.00%
-3,863.81
344,745.15
9.90%
2009/6
348,608.96
567.33
12.90%
11.90%
-4,488.39
-
4,163.84
4,104.93
3,488.10
3,732.95
3,388.55
3,437.63
Page 16 of 29
114.01
Loan Statement
Date
Code
New Interest
Rate
Transaction
Amount
-
Calculated
Interest
Outstanding
Balance
Transaction
Month
Interest Days
Transaction
Closing
Accrued
Interest
6/30/2009
0.00%
347,557.62
9.90%
2009/6
23
344,745.15
7/1/2009
Admin Fee
0.00%
42.00
347,599.62
9.90%
2009/7
347,557.62
7/3/2009
Insurance Premium
0.00%
202.16
347,801.78
9.90%
2009/7
347,599.62
7/7/2009
Loan Repayment
0.00%
-3,863.81
343,937.97
9.90%
2009/7
347,801.78
377.34
7/31/2009
0.00%
346,836.05
9.90%
2009/7
25
343,937.97
2,332.18
8/1/2009
Admin Fee
0.00%
42.00
346,878.05
9.90%
2009/8
346,836.05
8/3/2009
Insurance Premium
0.00%
202.16
347,080.21
9.90%
2009/8
346,878.05
188.17
8/7/2009
Loan Repayment
0.00%
-3,863.81
343,216.40
9.90%
2009/8
347,080.21
376.56
8/14/2009
9.40%
343,216.40
9.40%
2009/8
343,216.40
651.64
8/31/2009
0.00%
346,023.79
9.40%
2009/8
18
343,216.40
1,591.02
9/1/2009
Admin Fee
0.00%
42.00
346,065.79
9.40%
2009/9
346,023.79
9/3/2009
Insurance Premium
0.00%
202.16
346,267.95
9.40%
2009/9
346,065.79
9/7/2009
Loan Repayment
0.00%
-3,745.26
342,522.69
9.40%
2009/9
346,267.95
356.70
9/30/2009
0.00%
345,174.71
9.40%
2009/9
24
342,522.69
2,117.07
10/1/2009
Admin Fee
0.00%
42.00
345,216.71
9.40%
2009/10
345,174.71
10/3/2009
Insurance Premium
0.00%
202.16
345,418.87
9.40%
2009/10
345,216.71
10/7/2009
Loan Repayment
0.00%
-3,745.26
341,673.61
9.40%
2009/10
345,418.87
355.83
10/31/2009
0.00%
344,407.07
9.40%
2009/10
25
341,673.61
2,199.82
11/1/2009
Admin Fee
0.00%
42.00
344,449.07
9.40%
2009/11
344,407.07
11/3/2009
Insurance Premium
0.00%
202.16
344,651.23
9.40%
2009/11
344,449.07
177.41
11/5/2009
Ad Hoc Repayment
0.00%
-30,000.00
314,651.23
9.40%
2009/11
344,651.23
177.52
11/7/2009
Loan Repayment
0.00%
-3,745.26
310,905.97
9.40%
2009/11
314,651.23
162.07
11/30/2009
0.00%
313,344.62
9.40%
2009/11
24
310,905.97
1,921.65
12/1/2009
Admin Fee
0.00%
42.00
313,386.62
9.40%
2009/12
313,344.62
12/3/2009
Insurance Premium
0.00%
202.16
313,588.78
9.40%
2009/12
313,386.62
12/7/2009
Loan Repayment
0.00%
-3,745.26
309,843.52
9.40%
2009/12
313,588.78
323.04
12/31/2009
0.00%
312,322.86
9.40%
2009/12
25
309,843.52
1,994.88
1/1/2010
Admin Fee
0.00%
46.00
312,368.86
9.40%
2010/1
312,322.86
1/3/2010
Insurance Premium
0.00%
202.16
312,571.02
9.40%
2010/1
312,368.86
1/7/2010
Loan Repayment
0.00%
-3,745.26
308,825.76
9.40%
2010/1
312,571.02
321.99
1/31/2010
0.00%
311,296.97
9.40%
2010/1
25
308,825.76
1,988.33
2/1/2010
Admin Fee
0.00%
46.00
311,342.97
9.40%
2010/2
311,296.97
2/3/2010
Insurance Premium
0.00%
228.20
311,571.17
9.40%
2010/2
311,342.97
160.36
2/7/2010
Loan Repayment
0.00%
-3,745.26
307,825.91
9.40%
2010/2
311,571.17
320.96
2/15/2010
Ad Hoc Repayment
0.00%
-15,000.00
292,825.91
9.40%
2010/2
307,825.91
634.21
2/28/2010
0.00%
294,997.22
9.40%
2010/2
14
292,825.91
1,055.78
3/1/2010
Admin Fee
0.00%
295,043.22
9.40%
2010/3
294,997.22
46.00
2,812.47
Interest Rate
2,898.08
2,807.39
2,652.02
2,733.46
2,438.66
2,479.34
2,471.21
2,171.31
-
Page 17 of 29
2,150.64
188.56
178.25
177.81
161.42
160.89
Loan Statement
Date
Code
New Interest
Rate
Transaction
Amount
Calculated
Interest
Outstanding
Balance
Interest Rate
Transaction
Month
Interest Days
Transaction
Closing
Accrued
Interest
3/3/2010
Insurance Premium
0.00%
228.20
295,271.42
9.40%
2010/3
295,043.22
3/7/2010
Loan Repayment
0.00%
-3,745.26
291,526.16
9.40%
2010/3
295,271.42
304.17
3/26/2010
8.90%
291,526.16
8.90%
2010/3
19
291,526.16
1,426.48
3/31/2010
0.00%
293,835.29
8.90%
2010/3
291,526.16
426.51
4/1/2010
Admin Fee
0.00%
46.00
293,881.29
8.90%
2010/4
293,835.29
4/3/2010
Insurance Premium
0.00%
228.20
294,109.49
8.90%
2010/4
293,881.29
4/7/2010
Loan Repayment
0.00%
-3,349.31
290,760.18
8.90%
2010/4
294,109.49
286.86
4/30/2010
0.00%
292,891.90
8.90%
2010/4
24
290,760.18
1,701.54
5/1/2010
Admin Fee
0.00%
46.00
292,937.90
8.90%
2010/5
292,891.90
5/3/2010
Insurance Premium
0.00%
228.20
293,166.10
8.90%
2010/5
292,937.90
5/7/2010
Loan Repayment
0.00%
-3,349.31
289,816.79
8.90%
2010/5
293,166.10
285.94
5/31/2010
0.00%
292,012.27
8.90%
2010/5
25
289,816.79
1,766.69
6/1/2010
Admin Fee
0.00%
46.00
292,058.27
8.90%
2010/6
292,012.27
6/3/2010
Insurance Premium
0.00%
228.20
292,286.47
8.90%
2010/6
292,058.27
6/7/2010
Loan Repayment
0.00%
-3,349.31
288,937.16
8.90%
2010/6
292,286.47
285.08
6/30/2010
0.00%
291,055.55
8.90%
2010/6
24
288,937.16
1,690.88
7/1/2010
Admin Fee
0.00%
46.00
291,101.55
8.90%
2010/7
291,055.55
7/3/2010
Insurance Premium
0.00%
228.20
291,329.75
8.90%
2010/7
291,101.55
7/7/2010
Loan Repayment
0.00%
-3,349.31
287,980.44
8.90%
2010/7
291,329.75
284.15
7/31/2010
0.00%
290,162.04
8.90%
2010/7
25
287,980.44
1,755.50
8/1/2010
Admin Fee
0.00%
46.00
290,208.04
8.90%
2010/8
290,162.04
8/3/2010
Insurance Premium
0.00%
228.20
290,436.24
8.90%
2010/8
290,208.04
8/7/2010
Loan Repayment
0.00%
-3,349.31
287,086.93
8.90%
2010/8
290,436.24
283.27
8/31/2010
0.00%
289,261.78
8.90%
2010/8
25
287,086.93
1,750.05
9/1/2010
Admin Fee
0.00%
46.00
289,307.78
8.90%
2010/9
289,261.78
9/3/2010
Insurance Premium
0.00%
228.20
289,535.98
8.90%
2010/9
289,307.78
141.09
9/7/2010
Loan Repayment
0.00%
-3,349.31
286,186.67
8.90%
2010/9
289,535.98
282.40
9/12/2010
8.40%
286,186.67
8.40%
2010/9
286,186.67
348.91
9/30/2010
0.00%
288,210.45
8.40%
2010/9
19
286,186.67
1,251.38
10/1/2010
Admin Fee
0.00%
46.00
288,256.45
8.40%
2010/10
288,210.45
10/3/2010
Insurance Premium
0.00%
228.20
288,484.65
8.40%
2010/10
288,256.45
10/7/2010
Loan Repayment
0.00%
-3,115.83
285,368.82
8.40%
2010/10
288,484.65
265.56
10/31/2010
0.00%
287,408.91
8.40%
2010/10
25
285,368.82
1,641.85
11/1/2010
Admin Fee
0.00%
46.00
287,454.91
8.40%
2010/11
287,408.91
11/3/2010
Insurance Premium
0.00%
228.20
287,683.11
8.40%
2010/11
287,454.91
132.31
11/7/2010
Loan Repayment
0.00%
-3,115.83
284,567.28
8.40%
2010/11
287,683.11
264.83
11/10/2010
7.90%
284,567.28
7.90%
2010/11
284,567.28
196.47
2,309.13
2,131.72
2,195.49
2,118.38
2,181.61
2,174.85
2,023.78
2,040.09
Page 18 of 29
151.97
143.32
142.86
142.43
141.96
141.53
132.68
Loan Statement
Date
Code
New Interest
Rate
Transaction
Amount
-
Calculated
Interest
Outstanding
Balance
Transaction
Month
Interest Days
Transaction
Closing
Accrued
Interest
11/30/2010
0.00%
286,454.30
7.90%
2010/11
21
284,567.28
12/1/2010
Admin Fee
0.00%
46.00
286,500.30
7.90%
2010/12
286,454.30
12/3/2010
Insurance Premium
0.00%
228.20
286,728.50
7.90%
2010/12
286,500.30
12/7/2010
Loan Repayment
0.00%
-3,034.73
283,693.77
7.90%
2010/12
286,728.50
248.24
12/31/2010
0.00%
285,601.08
7.90%
2010/12
25
283,693.77
1,535.06
1/2/2011
Admin Fee
0.00%
50.00
285,651.08
7.90%
2011/1
285,601.08
61.82
1/3/2011
Insurance Premium
0.00%
228.20
285,879.28
7.90%
2011/1
285,651.08
61.83
1/7/2011
Loan Repayment
0.00%
-3,034.73
282,844.55
7.90%
2011/1
285,879.28
247.50
1/31/2011
0.00%
284,746.15
7.90%
2011/1
25
282,844.55
1,530.46
2/2/2011
Admin Fee
0.00%
50.00
284,796.15
7.90%
2011/2
284,746.15
61.63
2/3/2011
Insurance Premium
0.00%
240.10
285,036.25
7.90%
2011/2
284,796.15
61.64
2/7/2011
Loan Repayment
0.00%
-3,034.73
282,001.52
7.90%
2011/2
285,036.25
246.77
2/28/2011
0.00%
283,714.35
7.90%
2011/2
22
282,001.52
1,342.79
3/2/2011
Admin Fee
0.00%
50.00
283,764.35
7.90%
2011/3
283,714.35
61.41
3/3/2011
Insurance Premium
0.00%
240.10
284,004.45
7.90%
2011/3
283,764.35
61.42
3/7/2011
Loan Repayment
0.00%
-3,034.73
280,969.72
7.90%
2011/3
284,004.45
245.88
3/31/2011
0.00%
282,858.74
7.90%
2011/3
25
280,969.72
1,520.32
4/2/2011
Admin Fee
0.00%
50.00
282,908.74
7.90%
2011/4
282,858.74
61.22
4/3/2011
Insurance Premium
0.00%
240.10
283,148.84
7.90%
2011/4
282,908.74
61.23
4/7/2011
Loan Repayment
0.00%
-3,034.73
280,114.11
7.90%
2011/4
283,148.84
245.14
4/30/2011
0.00%
281,936.76
7.90%
2011/4
24
280,114.11
1,455.06
5/2/2011
Admin Fee
0.00%
50.00
281,986.76
7.90%
2011/5
281,936.76
61.02
5/3/2011
Insurance Premium
0.00%
240.10
282,226.86
7.90%
2011/5
281,986.76
61.03
5/7/2011
Loan Repayment
0.00%
-3,034.73
279,192.13
7.90%
2011/5
282,226.86
244.34
5/31/2011
0.00%
281,069.22
7.90%
2011/5
25
279,192.13
1,510.70
6/2/2011
Admin Fee
0.00%
50.00
281,119.22
7.90%
2011/6
281,069.22
60.83
6/3/2011
Insurance Premium
0.00%
240.10
281,359.32
7.90%
2011/6
281,119.22
60.84
6/7/2011
Loan Repayment
0.00%
-3,034.73
278,324.59
7.90%
2011/6
281,359.32
243.59
6/30/2011
0.00%
280,135.62
7.90%
2011/6
24
278,324.59
1,445.76
7/2/2011
Admin Fee
0.00%
50.00
280,185.62
7.90%
2011/7
280,135.62
60.63
7/3/2011
Insurance Premium
0.00%
240.10
280,425.72
7.90%
2011/7
280,185.62
60.64
7/7/2011
Loan Repayment
0.00%
-3,034.73
277,390.99
7.90%
2011/7
280,425.72
242.78
7/31/2011
0.00%
279,256.00
7.90%
2011/7
25
277,390.99
1,500.95
8/2/2011
Admin Fee
0.00%
50.00
279,306.00
7.90%
2011/8
279,256.00
60.44
8/3/2011
Insurance Premium
0.00%
240.10
279,546.10
7.90%
2011/8
279,306.00
60.45
8/7/2011
Loan Repayment
0.00%
-3,034.73
276,511.37
7.90%
2011/8
279,546.10
242.02
8/31/2011
0.00%
278,370.47
7.90%
2011/8
25
276,511.37
1,496.19
1,887.02
Interest Rate
1,907.31
1,901.60
1,712.83
1,889.02
1,822.65
1,877.09
1,811.03
1,865.01
1,859.10
Page 19 of 29
1,293.42
124.02
Loan Statement
Date
Code
New Interest
Rate
Transaction
Amount
Calculated
Interest
Outstanding
Balance
Interest Rate
Transaction
Month
Interest Days
Transaction
Closing
Accrued
Interest
9/2/2011
Admin Fee
0.00%
50.00
278,420.47
7.90%
2011/9
278,370.47
9/3/2011
Insurance Premium
0.00%
240.10
278,660.57
7.90%
2011/9
278,420.47
60.26
9/7/2011
Loan Repayment
0.00%
-3,034.73
275,625.84
7.90%
2011/9
278,660.57
241.25
9/30/2011
0.00%
277,419.35
7.90%
2011/9
24
275,625.84
1,431.74
10/2/2011
Admin Fee
0.00%
50.00
277,469.35
7.90%
2011/10
277,419.35
60.04
10/3/2011
Insurance Premium
0.00%
240.10
277,709.45
7.90%
2011/10
277,469.35
60.06
10/7/2011
Loan Repayment
0.00%
-3,034.73
274,674.72
7.90%
2011/10
277,709.45
240.43
10/31/2011
0.00%
276,521.50
7.90%
2011/10
25
274,674.72
1,486.25
11/2/2011
Admin Fee
0.00%
50.00
276,571.50
7.90%
2011/11
276,521.50
59.85
11/3/2011
Insurance Premium
0.00%
240.10
276,811.60
7.90%
2011/11
276,571.50
59.86
11/7/2011
Loan Repayment
0.00%
-3,034.73
273,776.87
7.90%
2011/11
276,811.60
239.65
11/30/2011
0.00%
275,558.37
7.90%
2011/11
24
273,776.87
1,422.14
12/2/2011
Admin Fee
0.00%
50.00
275,608.37
7.90%
2011/12
275,558.37
59.64
12/3/2011
Insurance Premium
0.00%
240.10
275,848.47
7.90%
2011/12
275,608.37
59.65
12/7/2011
Loan Repayment
0.00%
-3,034.73
272,813.74
7.90%
2011/12
275,848.47
238.82
12/31/2011
0.00%
274,648.03
7.90%
2011/12
25
272,813.74
1,476.18
1/2/2012
Admin Fee
0.00%
55.00
274,703.03
7.90%
2012/1
274,648.03
59.44
1/3/2012
Insurance Premium
0.00%
240.10
274,943.13
7.90%
2012/1
274,703.03
59.46
1/7/2012
Loan Repayment
0.00%
-3,039.73
271,903.40
7.90%
2012/1
274,943.13
238.03
1/31/2012
0.00%
273,731.60
7.90%
2012/1
25
271,903.40
1,471.26
2/2/2012
Admin Fee
0.00%
55.00
273,786.60
7.90%
2012/2
273,731.60
59.25
2/3/2012
Insurance Premium
0.00%
254.50
274,041.10
7.90%
2012/2
273,786.60
59.26
2/7/2012
Loan Repayment
0.00%
-3,054.13
270,986.97
7.90%
2012/2
274,041.10
237.25
2/29/2012
0.00%
272,691.72
7.90%
2012/2
23
270,986.97
1,349.00
3/2/2012
Admin Fee
0.00%
55.00
272,746.72
7.90%
2012/3
272,691.72
59.02
3/3/2012
Insurance Premium
0.00%
254.50
273,001.22
7.90%
2012/3
272,746.72
59.03
3/7/2012
Loan Repayment
0.00%
-3,054.13
269,947.09
7.90%
2012/3
273,001.22
236.35
3/31/2012
0.00%
271,762.16
7.90%
2012/3
25
269,947.09
1,460.67
4/2/2012
Admin Fee
0.00%
55.00
271,817.16
7.90%
2012/4
271,762.16
58.82
4/3/2012
Insurance Premium
0.00%
254.50
272,071.66
7.90%
2012/4
271,817.16
58.83
4/7/2012
Loan Repayment
0.00%
-3,054.13
269,017.53
7.90%
2012/4
272,071.66
235.55
4/30/2012
0.00%
270,768.15
7.90%
2012/4
24
269,017.53
1,397.42
5/2/2012
Admin Fee
0.00%
55.00
270,823.15
7.90%
2012/5
270,768.15
58.60
5/3/2012
Insurance Premium
0.00%
254.50
271,077.65
7.90%
2012/5
270,823.15
58.62
5/7/2012
Loan Repayment
0.00%
-3,054.13
268,023.52
7.90%
2012/5
271,077.65
234.69
5/31/2012
0.00%
269,825.69
7.90%
2012/5
25
268,023.52
1,450.26
6/2/2012
Admin Fee
0.00%
269,880.69
7.90%
2012/6
269,825.69
58.40
55.00
1,793.51
1,846.78
1,781.50
1,834.29
1,828.19
1,704.75
1,815.08
1,750.62
1,802.17
-
Page 20 of 29
60.25
Loan Statement
Date
Code
New Interest
Rate
Transaction
Amount
Calculated
Interest
Outstanding
Balance
Interest Rate
Transaction
Month
Interest Days
Transaction
Closing
Accrued
Interest
6/3/2012
Insurance Premium
0.00%
254.50
270,135.19
7.90%
2012/6
269,880.69
58.41
6/7/2012
Loan Repayment
0.00%
-3,054.13
267,081.06
7.90%
2012/6
270,135.19
233.87
6/30/2012
0.00%
268,819.10
7.90%
2012/6
24
267,081.06
1,387.36
7/2/2012
Admin Fee
0.00%
55.00
268,874.10
7.90%
2012/7
268,819.10
58.18
7/3/2012
Insurance Premium
0.00%
254.50
269,128.60
7.90%
2012/7
268,874.10
58.19
7/7/2012
Loan Repayment
0.00%
-3,028.82
266,099.78
7.90%
2012/7
269,128.60
233.00
7/20/2012
7.40%
266,099.78
7.40%
2012/7
13
266,099.78
748.72
7/31/2012
0.00%
267,845.27
7.40%
2012/7
12
266,099.78
647.39
8/2/2012
Admin Fee
0.00%
55.00
267,900.27
7.40%
2012/8
267,845.27
54.30
8/3/2012
Insurance Premium
0.00%
254.50
268,154.77
7.40%
2012/8
267,900.27
54.31
8/7/2012
Loan Repayment
0.00%
-3,028.82
265,125.95
7.40%
2012/8
268,154.77
217.46
8/31/2012
0.00%
266,795.82
7.40%
2012/8
25
265,125.95
1,343.79
9/2/2012
Admin Fee
0.00%
55.00
266,850.82
7.40%
2012/9
266,795.82
54.09
9/3/2012
Insurance Premium
0.00%
254.50
267,105.32
7.40%
2012/9
266,850.82
54.10
9/7/2012
Loan Repayment
0.00%
-3,028.82
264,076.50
7.40%
2012/9
267,105.32
216.61
9/30/2012
0.00%
265,686.24
7.40%
2012/9
24
264,076.50
1,284.93
10/2/2012
Admin Fee
0.00%
55.00
265,741.24
7.40%
2012/10
265,686.24
53.87
10/3/2012
Insurance Premium
0.00%
254.50
265,995.74
7.40%
2012/10
265,741.24
53.88
10/7/2012
Loan Repayment
0.00%
-3,028.82
262,966.92
7.40%
2012/10
265,995.74
215.71
10/31/2012
0.00%
264,623.21
7.40%
2012/10
25
262,966.92
1,332.85
11/2/2012
Admin Fee
0.00%
55.00
264,678.21
7.40%
2012/11
264,623.21
53.65
11/3/2012
Insurance Premium
0.00%
254.50
264,932.71
7.40%
2012/11
264,678.21
53.66
11/7/2012
Loan Repayment
0.00%
-3,028.82
261,903.89
7.40%
2012/11
264,932.71
214.85
11/30/2012
0.00%
263,500.41
7.40%
2012/11
24
261,903.89
1,274.36
12/2/2012
Admin Fee
0.00%
55.00
263,555.41
7.40%
2012/12
263,500.41
53.42
12/3/2012
Insurance Premium
0.00%
254.50
263,809.91
7.40%
2012/12
263,555.41
53.43
12/7/2012
Loan Repayment
0.00%
-3,028.82
260,781.09
7.40%
2012/12
263,809.91
213.94
12/31/2012
0.00%
262,423.66
7.40%
2012/12
25
260,781.09
1,321.77
1/2/2013
Admin Fee
0.00%
60.00
262,483.66
7.40%
2013/1
262,423.66
53.20
1/3/2013
Insurance Premium
0.00%
254.50
262,738.16
7.40%
2013/1
262,483.66
53.22
1/7/2013
Loan Repayment
0.00%
-3,033.82
259,704.34
7.40%
2013/1
262,738.16
213.07
1/31/2013
0.00%
261,340.13
7.40%
2013/1
25
259,704.34
1,316.31
2/2/2013
Admin Fee
0.00%
60.00
261,400.13
7.40%
2013/2
261,340.13
52.98
2/3/2013
Insurance Premium
0.00%
270.00
261,670.13
7.40%
2013/2
261,400.13
53.00
2/7/2013
Loan Repayment
0.00%
-3,049.32
258,620.81
7.40%
2013/2
261,670.13
212.20
2/28/2013
0.00%
260,092.52
7.40%
2013/2
22
258,620.81
1,153.52
3/2/2013
Admin Fee
0.00%
260,152.52
7.40%
2013/3
260,092.52
52.73
60.00
1,738.04
1,745.49
1,669.87
1,609.73
1,656.30
1,596.52
1,642.56
1,635.80
1,471.70
-
Page 21 of 29
Loan Statement
Date
Code
New Interest
Rate
Transaction
Amount
Calculated
Interest
Outstanding
Balance
Interest Rate
Transaction
Month
Interest Days
Transaction
Closing
Accrued
Interest
3/3/2013
Insurance Premium
0.00%
270.00
260,422.52
7.40%
2013/3
260,152.52
52.74
3/7/2013
Loan Repayment
0.00%
-3,049.32
257,373.20
7.40%
2013/3
260,422.52
211.19
3/31/2013
0.00%
258,994.36
7.40%
2013/3
25
257,373.20
1,304.49
4/2/2013
Admin Fee
0.00%
60.00
259,054.36
7.40%
2013/4
258,994.36
52.51
4/3/2013
Insurance Premium
0.00%
270.00
259,324.36
7.40%
2013/4
259,054.36
52.52
4/7/2013
Loan Repayment
0.00%
-3,049.32
256,275.04
7.40%
2013/4
259,324.36
210.30
4/30/2013
0.00%
257,837.34
7.40%
2013/4
24
256,275.04
1,246.97
5/2/2013
Admin Fee
0.00%
60.00
257,897.34
7.40%
2013/5
257,837.34
52.27
5/3/2013
Insurance Premium
0.00%
270.00
258,167.34
7.40%
2013/5
257,897.34
52.29
5/7/2013
Loan Repayment
0.00%
-3,049.32
255,118.02
7.40%
2013/5
258,167.34
209.36
5/31/2013
0.00%
256,725.01
7.40%
2013/5
25
255,118.02
1,293.06
6/2/2013
Admin Fee
0.00%
60.00
256,785.01
7.40%
2013/6
256,725.01
52.05
6/3/2013
Insurance Premium
0.00%
270.00
257,055.01
7.40%
2013/6
256,785.01
52.06
6/7/2013
Loan Repayment
0.00%
-3,049.32
254,005.69
7.40%
2013/6
257,055.01
208.46
6/20/2013
Ad Hoc Repayment
0.00%
-12,500.00
241,505.69
7.40%
2013/6
13
254,005.69
669.46
6/30/2013
0.00%
243,026.31
7.40%
2013/6
11
241,505.69
538.59
7/2/2013
Admin Fee
0.00%
60.00
243,086.31
7.40%
2013/7
243,026.31
49.27
7/3/2013
Insurance Premium
0.00%
270.00
243,356.31
7.40%
2013/7
243,086.31
49.28
7/7/2013
Loan Repayment
0.00%
-3,049.32
240,306.99
7.40%
2013/7
243,356.31
197.35
7/31/2013
0.00%
241,820.89
7.40%
2013/7
25
240,306.99
1,217.99
8/2/2013
Admin Fee
0.00%
60.00
241,880.89
7.40%
2013/8
241,820.89
49.03
8/3/2013
Insurance Premium
0.00%
270.00
242,150.89
7.40%
2013/8
241,880.89
49.04
8/7/2013
Loan Repayment
0.00%
-3,049.32
239,101.57
7.40%
2013/8
242,150.89
196.37
8/31/2013
0.00%
240,607.89
7.40%
2013/8
25
239,101.57
1,211.88
9/2/2013
Admin Fee
0.00%
60.00
240,667.89
7.40%
2013/9
240,607.89
48.78
9/3/2013
Insurance Premium
0.00%
270.00
240,937.89
7.40%
2013/9
240,667.89
48.79
9/7/2013
Loan Repayment
0.00%
-3,049.32
237,888.57
7.40%
2013/9
240,937.89
195.39
9/30/2013
0.00%
239,339.05
7.40%
2013/9
24
237,888.57
1,157.51
10/2/2013
Admin Fee
0.00%
60.00
239,399.05
7.40%
2013/10
239,339.05
48.52
10/3/2013
Insurance Premium
0.00%
270.00
239,669.05
7.40%
2013/10
239,399.05
48.54
10/7/2013
Loan Repayment
0.00%
-3,049.32
236,619.73
7.40%
2013/10
239,669.05
194.36
10/25/2013
Ad Hoc Repayment
0.00%
-20,000.00
216,619.73
7.40%
2013/10
18
236,619.73
863.50
10/31/2013
0.00%
218,082.07
7.40%
2013/10
216,619.73
307.42
11/2/2013
Admin Fee
0.00%
60.00
218,142.07
7.40%
2013/11
218,082.07
44.21
11/3/2013
Insurance Premium
0.00%
270.00
218,412.07
7.40%
2013/11
218,142.07
44.23
11/7/2013
Loan Repayment
0.00%
-3,049.32
215,362.75
7.40%
2013/11
218,412.07
177.12
11/30/2013
0.00%
216,676.21
7.40%
2013/11
24
215,362.75
1,047.90
1,621.16
1,562.30
1,606.99
1,520.62
1,513.90
1,506.32
1,450.47
1,462.34
1,313.47
Page 22 of 29
Loan Statement
Date
Code
New Interest
Rate
Transaction
Amount
Calculated
Interest
Outstanding
Balance
Interest Rate
Transaction
Month
Interest Days
Transaction
Closing
Accrued
Interest
12/2/2013
Admin Fee
0.00%
60.00
216,736.21
7.40%
2013/12
216,676.21
12/3/2013
Insurance Premium
0.00%
270.00
217,006.21
7.40%
2013/12
216,736.21
43.94
12/7/2013
Loan Repayment
0.00%
-3,049.32
213,956.89
7.40%
2013/12
217,006.21
175.98
12/31/2013
0.00%
215,305.19
7.40%
2013/12
25
213,956.89
1,084.44
1/2/2014
Admin Fee
0.00%
65.00
215,370.19
7.40%
2014/1
215,305.19
43.65
1/3/2014
Insurance Premium
0.00%
270.00
215,640.19
7.40%
2014/1
215,370.19
43.66
1/7/2014
Loan Repayment
0.00%
-3,054.32
212,585.87
7.40%
2014/1
215,640.19
174.88
1/27/2014
7.90%
212,585.87
7.90%
2014/1
20
212,585.87
861.99
1/31/2014
0.00%
213,940.11
7.90%
2014/1
212,585.87
230.06
2/2/2014
Admin Fee
0.00%
65.00
214,005.11
7.90%
2014/2
213,940.11
46.30
2/3/2014
Insurance Premium
0.00%
300.00
214,305.11
7.90%
2014/2
214,005.11
46.32
2/7/2014
Loan Repayment
0.00%
-2,761.86
211,543.25
7.90%
2014/2
214,305.11
185.54
2/28/2014
0.00%
212,828.70
7.90%
2014/2
22
211,543.25
1,007.29
3/2/2014
Admin Fee
0.00%
65.00
212,893.70
7.90%
2014/3
212,828.70
46.06
3/3/2014
Insurance Premium
0.00%
300.00
213,193.70
7.90%
2014/3
212,893.70
46.08
3/7/2014
Loan Repayment
0.00%
-2,761.86
210,431.84
7.90%
2014/3
213,193.70
184.57
3/31/2014
0.00%
211,847.19
7.90%
2014/3
25
210,431.84
1,138.64
4/2/2014
Admin Fee
0.00%
65.00
211,912.19
7.90%
2014/4
211,847.19
45.85
4/3/2014
Insurance Premium
0.00%
300.00
212,212.19
7.90%
2014/4
211,912.19
45.87
4/7/2014
Loan Repayment
0.00%
-2,761.86
209,450.33
7.90%
2014/4
212,212.19
183.72
4/21/2014
Ad Hoc Repayment
0.00%
-15,800.00
193,650.33
7.90%
2014/4
14
209,450.33
634.66
4/30/2014
0.00%
194,979.57
7.90%
2014/4
10
193,650.33
419.13
5/2/2014
Admin Fee
0.00%
65.00
195,044.57
7.90%
2014/5
194,979.57
42.20
5/3/2014
Insurance Premium
0.00%
300.00
195,344.57
7.90%
2014/5
195,044.57
42.22
5/7/2014
Loan Repayment
0.00%
-2,761.86
192,582.71
7.90%
2014/5
195,344.57
169.12
5/31/2014
0.00%
193,878.31
7.90%
2014/5
25
192,582.71
1,042.06
6/2/2014
Admin Fee
0.00%
65.00
193,943.31
7.90%
2014/6
193,878.31
41.96
6/3/2014
Insurance Premium
0.00%
300.00
194,243.31
7.90%
2014/6
193,943.31
41.98
6/7/2014
Loan Repayment
0.00%
-2,761.86
191,481.45
7.90%
2014/6
194,243.31
168.17
6/20/2014
Ad Hoc Repayment
0.00%
-7,300.00
184,181.45
7.90%
2014/6
13
191,481.45
538.77
6/30/2014
0.00%
185,410.83
7.90%
2014/6
11
184,181.45
438.50
1,348.29
1,354.24
1,285.45
1,415.35
1,329.24
1,295.59
1,229.38
On
On this
this sheet:
sheet:
All
All loan
loan account
account transactions
transactions should
should be
be recorded
recorded on
on this
this sheet
sheet in
in order
order to
to calculate
calculate the
the loan
loan account
account statement
statement
balances.
balances. The
The calculations
calculations on
on this
this sheet
sheet accommodate
accommodate an
an unlimited
unlimited number
number of
of interest
interest rate
rate changes
changes and
and ad
ad hoc
hoc loan
loan
repayments
repayments and
and facilitate
facilitate daily
daily interest
interest calculations.
calculations. Loan
Loan account
account balances
balances are
are calculated
calculated and
and displayed
displayed on
on all
all
transaction
transaction dates.
dates. User
User input
input is
is limited
limited to
to entering
entering the
the transaction
transaction date,
date, transaction
transaction code,
code, new
new interest
interest rate
rate (only
(only for
for
interest
interest rate
rate changes)
changes) and
and the
the transaction
transaction amount.
amount. All
All the
the columns
columns with
with aa light
light blue
blue column
column heading
heading contain
contain formulas
formulas
that
that are
are automatically
automatically copied
copied for
for all
all new
new transactions
transactions that
that are
are recorded.
recorded.
Page 23 of 29
43.93
On
On this
this sheet:
sheet:
LoanAll
Statement
All loan
loan account
account transactions
transactions should
should be
be recorded
recorded on
on this
this sheet
sheet in
in order
order to
to calculate
calculate the
the loan
loan account
account statement
statement
balances.
balances. The
The calculations
calculations on
on this
this sheet
sheet accommodate
accommodate an
an unlimited
unlimited number
number of
of interest
interest rate
rate changes
changes and
and ad
ad hoc
hoc loan
loan
New Interest
Transaction
Calculated
Outstanding
repayments
Loan
balances
calculated
displayed
repayments and
and facilitate
facilitate daily
daily interest
interest calculations.
calculations.
Loan account
account
balances are
are
calculated and
and
displayed on
on all
all
Date transaction
Code Transaction
Description
RatetransactionAmount
Interest new interest
Balance (onlyInterest
Rate
transaction dates.
dates. User
User input
input is
is limited
limited to
to entering
entering the
the transaction date,
date, transaction
transaction code,
code, new interest rate
rate (only for
for
interest
interest rate
rate changes)
changes) and
and the
the transaction
transaction amount.
amount. All
All the
the columns
columns with
with aa light
light blue
blue column
column heading
heading contain
contain formulas
formulas
that
that are
are automatically
automatically copied
copied for
for all
all new
new transactions
transactions that
that are
are recorded.
recorded.
Page 24 of 29
Transaction
Month
Interest Days
Transaction
Closing
Accrued
Interest
Loan Summary
Month
Apr-2005
Opening
Balance
Loan
Advance
-
Loan
Repayment
400,000.00
Ad Hoc
Repayment
Interest
Capitalized
Admin Fees
Insurance
Premium
Other Costs
Closing
Balance
3,535.55
5.70
147.40
403,688.65
May-2005
403,688.65
-4,214.02
3,655.97
5.70
147.40
403,283.70
Jun-2005
403,283.70
-4,214.02
3,534.78
5.70
147.40
402,757.57
Jul-2005
402,757.57
-4,214.02
3,647.56
5.70
147.40
402,344.20
Aug-2005
402,344.20
-4,214.02
3,645.03
5.70
147.40
401,928.31
Sep-2005
401,928.31
-4,214.02
3,522.81
5.70
147.40
401,390.20
Oct-2005
401,390.20
-4,214.02
3,613.26
5.70
147.40
400,942.54
Nov-2005
400,942.54
-4,108.49
3,351.36
5.70
147.40
400,338.51
Dec-2005
400,338.51
-4,108.49
3,457.59
5.70
147.40
399,840.70
Jan-2006
399,840.70
-4,108.49
3,422.27
5.70
147.40
394,307.59
Feb-2006
394,307.59
-4,125.58
3,076.25
5.70
164.49
393,428.45
Mar-2006
393,428.45
-4,125.58
3,397.41
5.70
164.49
392,870.47
Apr-2006
392,870.47
-4,125.58
3,283.34
5.70
164.49
392,198.41
May-2006
392,198.41
-4,125.58
3,387.86
5.70
164.49
391,630.88
Jun-2006
391,630.88
-4,125.58
3,363.22
5.70
164.49
391,038.71
Jul-2006
391,038.71
-4,184.88
3,540.88
5.70
164.49
390,564.90
Aug-2006
390,564.90
-4,348.45
3,678.43
5.70
164.49
390,065.07
Sep-2006
390,065.07
-4,348.45
3,576.12
5.70
164.49
389,462.93
Oct-2006
389,462.93
-4,348.45
3,784.26
5.70
164.49
389,068.92
Nov-2006
389,068.92
-4,499.32
3,724.28
5.70
164.49
388,464.07
Dec-2006
388,464.07
-4,499.32
3,963.12
5.70
164.49
388,098.06
Jan-2007
388,098.06
-4,564.51
4,002.71
5.70
164.49
387,706.45
Feb-2007
387,706.45
-4,571.06
3,611.23
5.70
171.04
386,923.36
Mar-2007
386,923.36
-4,571.06
3,989.02
5.70
171.04
386,518.06
Apr-2007
386,518.06
-4,571.06
3,856.50
5.70
171.04
385,980.24
May-2007
385,980.24
-4,571.06
3,979.15
5.70
171.04
385,565.07
Jun-2007
385,565.07
-4,571.06
3,967.06
5.70
171.04
385,137.81
-5,000.00
Page 25 of 29
Loan Summary
Month
Opening
Balance
Loan
Advance
Loan
Repayment
Jul-2007
385,137.81
-4,699.12
Aug-2007
374,687.37
-4,699.12
Sep-2007
374,259.27
Oct-2007
373,751.20
Nov-2007
373,283.10
Dec-2007
372,686.68
Jan-2008
Ad Hoc
Repayment
Interest
Capitalized
-10,000.00
Admin Fees
Insurance
Premium
Other Costs
Closing
Balance
4,071.94
5.70
171.04
374,687.37
4,094.28
5.70
171.04
374,259.27
-4,721.31
4,036.50
5.70
171.04
373,751.20
-4,571.65
3,926.81
5.70
171.04
373,283.10
-4,571.65
3,769.19
35.00
171.04
372,686.68
-4,829.64
4,138.09
35.00
171.04
372,201.16
372,201.16
-4,829.64
4,100.22
35.00
171.04
356,677.78
Feb-2008
356,677.78
-4,839.63
3,758.77
37.00
179.03
355,812.95
Mar-2008
355,812.95
-4,839.63
4,007.35
37.00
179.03
355,196.70
Apr-2008
355,196.70
-4,839.63
3,967.75
37.00
179.03
354,540.85
May-2008
354,540.85
-4,711.86
4,142.91
37.00
179.03
354,187.93
Jun-2008
354,187.93
-4,711.86
4,091.95
37.00
179.03
353,784.06
Jul-2008
353,784.06
-4,837.15
4,281.69
37.00
179.03
353,444.63
Aug-2008
353,444.63
-4,837.15
4,277.54
37.00
179.03
353,101.05
Sep-2008
353,101.05
-4,837.15
4,137.76
37.00
179.03
352,617.69
Oct-2008
352,617.69
-4,837.15
4,267.43
37.00
179.03
352,264.00
Nov-2008
352,264.00
-4,837.15
4,125.88
37.00
179.03
351,768.75
Dec-2008
351,768.75
-4,837.15
4,163.84
37.00
179.03
351,311.47
Jan-2009
351,311.47
-4,719.16
4,104.93
42.00
179.03
350,918.27
Feb-2009
350,918.27
-4,488.39
3,488.10
42.00
202.16
350,162.14
Mar-2009
350,162.14
-4,488.39
3,732.95
42.00
202.16
349,650.87
Apr-2009
349,650.87
-4,300.28
3,388.55
42.00
202.16
348,983.29
May-2009
348,983.29
-4,300.28
3,437.63
42.00
202.16
348,364.80
Jun-2009
348,364.80
-3,863.81
2,812.47
42.00
202.16
347,557.62
Jul-2009
347,557.62
-3,863.81
2,898.08
42.00
202.16
346,836.05
Aug-2009
346,836.05
-3,863.81
2,807.39
42.00
202.16
346,023.79
Sep-2009
346,023.79
-3,745.26
2,652.02
42.00
202.16
345,174.71
-15,000.00
Page 26 of 29
Loan Summary
Month
Opening
Balance
Loan
Advance
Loan
Repayment
Ad Hoc
Repayment
Oct-2009
345,174.71
-3,745.26
Nov-2009
344,407.07
-3,745.26
Dec-2009
313,344.62
-3,745.26
Jan-2010
312,322.86
-3,745.26
Feb-2010
311,296.97
-3,745.26
Mar-2010
294,997.22
-3,745.26
Apr-2010
293,835.29
-3,349.31
May-2010
292,891.90
Jun-2010
292,012.27
Jul-2010
291,055.55
Aug-2010
290,162.04
Sep-2010
Interest
Capitalized
Admin Fees
Insurance
Premium
Other Costs
Closing
Balance
2,733.46
42.00
202.16
344,407.07
2,438.66
42.00
202.16
313,344.62
2,479.34
42.00
202.16
312,322.86
2,471.21
46.00
202.16
311,296.97
2,171.31
46.00
228.20
294,997.22
2,309.13
46.00
228.20
293,835.29
2,131.72
46.00
228.20
292,891.90
-3,349.31
2,195.49
46.00
228.20
292,012.27
-3,349.31
2,118.38
46.00
228.20
291,055.55
-3,349.31
2,181.61
46.00
228.20
290,162.04
-3,349.31
2,174.85
46.00
228.20
289,261.78
289,261.78
-3,349.31
2,023.78
46.00
228.20
288,210.45
Oct-2010
288,210.45
-3,115.83
2,040.09
46.00
228.20
287,408.91
Nov-2010
287,408.91
-3,115.83
1,887.02
46.00
228.20
286,454.30
Dec-2010
286,454.30
-3,034.73
1,907.31
46.00
228.20
285,601.08
Jan-2011
285,601.08
-3,034.73
1,901.60
50.00
228.20
284,746.15
Feb-2011
284,746.15
-3,034.73
1,712.83
50.00
240.10
283,714.35
Mar-2011
283,714.35
-3,034.73
1,889.02
50.00
240.10
282,858.74
Apr-2011
282,858.74
-3,034.73
1,822.65
50.00
240.10
281,936.76
May-2011
281,936.76
-3,034.73
1,877.09
50.00
240.10
281,069.22
Jun-2011
281,069.22
-3,034.73
1,811.03
50.00
240.10
280,135.62
Jul-2011
280,135.62
-3,034.73
1,865.01
50.00
240.10
279,256.00
Aug-2011
279,256.00
-3,034.73
1,859.10
50.00
240.10
278,370.47
Sep-2011
278,370.47
-3,034.73
1,793.51
50.00
240.10
277,419.35
Oct-2011
277,419.35
-3,034.73
1,846.78
50.00
240.10
276,521.50
Nov-2011
276,521.50
-3,034.73
1,781.50
50.00
240.10
275,558.37
Dec-2011
275,558.37
-3,034.73
1,834.29
50.00
240.10
274,648.03
-30,000.00
-15,000.00
Page 27 of 29
Loan Summary
Month
Opening
Balance
Loan
Advance
Loan
Repayment
Ad Hoc
Repayment
Interest
Capitalized
Admin Fees
Insurance
Premium
Other Costs
Closing
Balance
Jan-2012
274,648.03
-3,039.73
1,828.19
55.00
240.10
273,731.60
Feb-2012
273,731.60
-3,054.13
1,704.75
55.00
254.50
272,691.72
Mar-2012
272,691.72
-3,054.13
1,815.08
55.00
254.50
271,762.16
Apr-2012
271,762.16
-3,054.13
1,750.62
55.00
254.50
270,768.15
May-2012
270,768.15
-3,054.13
1,802.17
55.00
254.50
269,825.69
Jun-2012
269,825.69
-3,054.13
1,738.04
55.00
254.50
268,819.10
Jul-2012
268,819.10
-3,028.82
1,745.49
55.00
254.50
267,845.27
Aug-2012
267,845.27
-3,028.82
1,669.87
55.00
254.50
266,795.82
Sep-2012
266,795.82
-3,028.82
1,609.73
55.00
254.50
265,686.24
Oct-2012
265,686.24
-3,028.82
1,656.30
55.00
254.50
264,623.21
Nov-2012
264,623.21
-3,028.82
1,596.52
55.00
254.50
263,500.41
Dec-2012
263,500.41
-3,028.82
1,642.56
55.00
254.50
262,423.66
Jan-2013
262,423.66
-3,033.82
1,635.80
60.00
254.50
261,340.13
Feb-2013
261,340.13
-3,049.32
1,471.70
60.00
270.00
260,092.52
Mar-2013
260,092.52
-3,049.32
1,621.16
60.00
270.00
258,994.36
Apr-2013
258,994.36
-3,049.32
1,562.30
60.00
270.00
257,837.34
May-2013
257,837.34
-3,049.32
1,606.99
60.00
270.00
256,725.01
Jun-2013
256,725.01
-3,049.32
1,520.62
60.00
270.00
243,026.31
Jul-2013
243,026.31
-3,049.32
1,513.90
60.00
270.00
241,820.89
Aug-2013
241,820.89
-3,049.32
1,506.32
60.00
270.00
240,607.89
Sep-2013
240,607.89
-3,049.32
1,450.47
60.00
270.00
239,339.05
Oct-2013
239,339.05
-3,049.32
1,462.34
60.00
270.00
218,082.07
Nov-2013
218,082.07
-3,049.32
1,313.47
60.00
270.00
216,676.21
Dec-2013
216,676.21
-3,049.32
1,348.29
60.00
270.00
215,305.19
Jan-2014
215,305.19
-3,054.32
1,354.24
65.00
270.00
213,940.11
Feb-2014
213,940.11
-2,761.86
1,285.45
65.00
300.00
212,828.70
Mar-2014
212,828.70
-2,761.86
1,415.35
65.00
300.00
211,847.19
-12,500.00
-20,000.00
Page 28 of 29
Loan Summary
Month
Opening
Balance
Loan
Advance
Loan
Repayment
Apr-2014
211,847.19
-2,761.86
May-2014
194,979.57
-2,761.86
Jun-2014
193,878.31
-2,761.86
Ad Hoc
Repayment
Interest
Capitalized
-15,800.00
-7,300.00
Admin Fees
Other Costs
Closing
Balance
1,329.24
65.00
300.00
194,979.57
1,295.59
65.00
300.00
193,878.31
1,229.38
65.00
300.00
185,410.83
On
On this
this sheet:
sheet:
All
All the
the amounts
amounts on
on this
this loan
loan summary
summary are
are automatically
automatically calculated
calculated based
based on
on
the
the transactions
transactions that
that are
are recorded
recorded on
on the
the Statement
Statement sheet.
sheet. You
You can
can add
add
additional
monthly
periods
to
the
sheet
by
simply
extending
the
Excel
table
additional monthly periods to the sheet by simply extending the Excel table in
in
order
order to
to copy
copy the
the formulas
formulas into
into the
the required
required number
number of
of additional
additional rows.
rows. No
No
user
user input
input is
is required
required on
on this
this sheet.
sheet.
Page 29 of 29
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