Refinance

Prepared for:

Travis Ross

April 18, 2024

Your actual rate, payment and costs could be higher.
Get an official Loan Estimate before choosing a loan.

Prepared by:

Karen Amecangelo

Tabrasa, LLC

karen@tabrasa.io

(732) 526-1576

Introduction Page

Why Manage Liabilities?

What's Inside This Analysis?

During your lifetime, your relationship with borrowing will change. For many, the initial borrowing is out of necessity, but as assets grow the decision to borrow or use other assets becomes more difficult. You’ll be faced with borrowing decisions that seem simple, but could have a profound impact on your future wealth over long periods of time.

How you manage your liabilities could play as important a role as how you manage your assets. Management of liabilities can provide you with; a plan to better manage daily cash flow, a way to increase liquidity, a solution to fund college, help when buying or refinancing a home. Working together to incorporate assets and liabilities into an overall financial plan may well be one of the most important financial factors in the accomplishment of your long term financial goals. This entire disclosure, is editable by you.

Cover Page	1
Introduction	2
Summary & Payment Information	3
Payment & Wealth Comparison	4
Client Data	5
Amortization Tables	6

Disclosure

Objectives Summary / Notes:

Notice: Information provided is time-sensitive. The APR and other analysis is largely calculated based on information provided by you. Rates programs fees and points are time sensitive are calculated based on general market data and are for illustrative purposes only. The actual program rates and costs may be different. If you accept an Adjustable Rate Mortgage (ARM), your payments and interest rates may change. Consult with your tax advisor to determine if any part of your mortgage payment qualifies for a tax deduction. Payments, interest rates and loan balances are estimates only. Your amounts may be different. This is not a loan commitment nor is it a guarantee of any kind. This comparison is based solely on estimated figures and information available at time of preparation. There is no requirement to purchase any financial products, or to be eligible for any mortgage product illustrated. This entire disclosure, is editable by you.

This is a presentation, and not an application for credit or preapproval. Any information provided for this purpose is voluntary.

Cash at Closing Goals:
Monthly Cash Flow Goals:
Cost of Ownership Goals:

Liability Management Analysis

Travis Ross - 4/18/2024 | Page 2

Summary & Payment Information: Next 15 Years


CURRENT		PROPOSED
	Alternative 1	Alternative 2	Alternative 3


Loan(s):
Property Value / Total Loan Amount:	$500,000 / $316,500	$500,000 / $326,500	$500,000 / $346,500	$500,000 / $371,500
Remaining Term:	57	360	360	360
Interest Rate:	6.250%	0.000%	0.000%	0.000%
APR:		0.000%	0.000%	0.000%


Minimum Monthly Payment:		$2,366	$400	$400	$400


Assumed Payments:	$2,366	$2,366	$2,366	$2,366
Interest Payments After 15 Years:	$258,160	$3,253	$3,253	$3,253
Principal Payments After 15 Years:	$16,500	$326,500	$346,500	$371,500
Total Payments After 15 Years:	$425,907	$425,907	$425,907	$425,907
Mortgage Balance After 15 Years:	$343,480	$0	$0	$0
Interest as % of Total Payments	60.61%	0.76%	0.76%	0.76%

Key Numbers


Estimated Total Closing Costs:		$5,000	$5,000	$5,000
Cash At Closing:		$5,000	$25,000	$50,000
Monthly Payment Change:		$1,966	$1,966	$1,966
Break Even in Months:		3	3	3
Wealth Impact Over 15 Years:	$0	$343,152	$336,206	$327,524
Debt Free in Months:		57	57	57

This Flyer and Rates were created on April 18, 2024.

Liability Management Analysis

Travis Ross - 4/18/2024 | Page 3

Payment & Wealth Comparison

Monthly Payment Impact – Does This Make Sense Monthly?


		CURRENT		PROPOSED
			Alternative 1	Alternative 2	Alternative 3
Rate Comparison
	Total Borrowing:	$316,500	$326,500	$346,500	$371,500
	Rate:	6.380%	0.442%	0.417%	0.389%
	Rate Difference:		-5.938%	-5.963%	-5.991%
Payment Comparison
	Interest Payment:	$1,683	$120	$120	$120
+	Principal Payment:	$133	$280	$280	$280
+	Taxes:	$500	$0	$0	$0
+	Insurance:	$50	$0	$0	$0
=	Net Payment:	$2,366	$400	$400	$400
Payment Difference:			$1,966	$1,966	$1,966

Minimum Payments Over Time

Wealth Impact After 15 Years – Does This Make Sense Over Time?

Property Appreciation Rate: 3 % / After-Tax Savings Rate: 2 %


		CURRENT		PROPOSED
			Alternative 1	Alternative 2	Alternative 3
Fixed Payments:		$2,366	$2,366	$2,366	$2,366

Annual Comparison
	Payments:	$425,907	$425,907	$425,907	$425,907

	House Value:	$783,716	$783,716	$783,716	$783,716
-	Mortgage Liabilities:	$343,480	$0	$0	$0
+	Savings Balance:	$58,372	$53,044	$26,098	($7,583)
=	Equity:	$498,608	$836,760	$809,814	$776,132

Cash Needed To Close			($5,000)	($25,000)	($50,000)

Equity - Payments =		$72,701	$415,853	$408,907	$400,225
Wealth Impact:		$0	$343,152	$336,206	$327,524

Wealth Impact Over Time

Liability Management Analysis

Travis Ross - 4/18/2024 | Page 4

Client Data Summary

Eligibility Questions


Name:	Travis Ross	Mobile Phone:
Address:	211 Easy Berry Orchard	Fax:
	Flint, IL 93135	Email:	nancyl@loantoolbox.com
Home Phone:	(828) 503-8341	Date of Birth (1):	8/18/1955
Office Phone:		Date of Birth (2):

Plan Information


Plan Title:	refinance 1	Plan Type:	Refinance
Current Home Value:	$500,000
Gross Annual Income:	$60,000	Combined Tax Bracket:	0.000%

Current Liabilities

Liability	Creditor	Rate	Balance	Payment	Tax/Ins/MI	Pay
Mortgage (Wells Fargo)	Wells Fargo	6.250%	$300,000	$1,416	$550*	Y
Auto (Ally)	Ally	7.990%	$14,000	$300		N
Credit Card (Capital One)	Capital One	12.990%	$2,500	$100		N

* Tax/Ins/MI Details

Property Taxes:	$500	HOI (Property Insurance):	$50
Mortgage Insurance:	$0	HOA:	$0
Other Payments:	$0

SuitabilityQuestions

How many years do you think you will have this new loan, or live in this home?	21-30 Years
Ideally, how soon would you like this home paid off?
What is the approximate combined value of all your liquid assets from bank accounts, mutual funds, CD's and securities?
Do you plan on any major purchases in the next 36 months, including car purchase, remodel, home addition, purchase of rental property, or vacation home, or have any need for cash out?
If possible, would you like to roll your closing costs into the new loan?	Yes
If you will have rental income from a current or new property, enter the monthly total:	$0


Payment Option:	Higher Payment Lower Tax Deduction Pay Principal Each Month

Risk Tolerance:	Moderate Predictable Volitility Intermediate Payment

I/We acknowledge that the above information provided is accurate to the best of our knowledge, and I/We have read and understand the disclosures provided with this illustration.
Plan Recipient:	Date:

Plan Recipient:	Date:

Liability Management Analysis

Travis Ross - 4/18/2024 | Page 5

Current Liabilities Repayment Strategy

Time Frame	Capital One ($100)	Ally ($300)	Wells Fargo ($1,416)	Total Liabilities	Interest Paid	Principal Paid	Tax/ HOI/ MI/ Rent	Total Payment	Tax Savings	After Tax Payment
Today	$2,500	$14,000	$300,000	$316,500		$0
Month 1	$2,427	$13,793	$300,146	$316,367	$1,536	$280	$550	$2,366	$0	$2,366
Month 2	$2,353	$13,585	$300,293	$316,232	$1,534	$282	$550	$2,366	$0	$2,366
Month 3	$2,279	$13,376	$300,441	$316,096	$1,532	$284	$550	$2,366	$0	$2,366
Month 4	$2,203	$13,165	$300,590	$315,958	$1,530	$286	$550	$2,366	$0	$2,366
Month 5	$2,127	$12,952	$300,739	$315,819	$1,528	$288	$550	$2,366	$0	$2,366
Month 6	$2,050	$12,738	$300,890	$315,678	$1,525	$291	$550	$2,366	$0	$2,366
Month 7	$1,973	$12,523	$301,041	$315,536	$1,523	$293	$550	$2,366	$0	$2,366
Month 8	$1,894	$12,307	$301,192	$315,393	$1,521	$295	$550	$2,366	$0	$2,366
Month 9	$1,814	$12,089	$301,345	$315,248	$1,519	$298	$550	$2,366	$0	$2,366
Month 10	$1,734	$11,869	$301,498	$315,101	$1,516	$300	$550	$2,366	$0	$2,366
Month 11	$1,653	$11,648	$301,652	$314,953	$1,514	$302	$550	$2,366	$0	$2,366

Year 1	$1,571	$11,426	$301,807	$314,804	$18,290	$3,504	$6,600	$28,394	$0	$28,394
Year 2	$513	$8,638	$303,731	$312,882	$36,239	$7,349	$13,200	$56,788	$0	$56,788
Year 3	$0	$5,619	$305,778	$311,398	$53,832	$10,881	$19,800	$84,512	$0	$84,512
Year 4	$0	$2,350	$307,957	$310,308	$71,156	$14,150	$26,400	$111,706	$0	$111,706
Year 5	$0	$0	$310,277	$310,277	$88,222	$16,500	$33,000	$137,722	$0	$137,722
Year 6	$0	$0	$312,745	$312,745	$105,216	$16,500	$39,600	$161,316	$0	$161,316
Year 7	$0	$0	$315,372	$315,372	$122,209	$16,500	$46,200	$184,909	$0	$184,909
Year 8	$0	$0	$318,168	$318,168	$139,203	$16,500	$52,800	$208,503	$0	$208,503
Year 9	$0	$0	$321,144	$321,144	$156,197	$16,500	$59,400	$232,097	$0	$232,097
Year 10	$0	$0	$324,312	$324,312	$173,191	$16,500	$66,000	$255,691	$0	$255,691
Year 11	$0	$0	$327,683	$327,683	$190,185	$16,500	$72,600	$279,285	$0	$279,285
Year 12	$0	$0	$331,271	$331,271	$207,178	$16,500	$79,200	$302,878	$0	$302,878
Year 13	$0	$0	$335,090	$335,090	$224,172	$16,500	$85,800	$326,472	$0	$326,472
Year 14	$0	$0	$339,154	$339,154	$241,166	$16,500	$92,400	$350,066	$0	$350,066
Year 15	$0	$0	$343,480	$343,480	$258,160	$16,500	$99,000	$373,660	$0	$373,660
Year 16	$0	$0	$348,084	$348,084	$275,154	$16,500	$105,600	$397,254	$0	$397,254
Year 17	$0	$0	$352,985	$352,985	$292,147	$16,500	$112,200	$420,847	$0	$420,847
Year 18	$0	$0	$358,200	$358,200	$309,141	$16,500	$118,800	$444,441	$0	$444,441
Year 19	$0	$0	$363,751	$363,751	$326,135	$16,500	$125,400	$468,035	$0	$468,035
Year 20	$0	$0	$369,659	$369,659	$343,129	$16,500	$132,000	$491,629	$0	$491,629
Year 21	$0	$0	$375,947	$375,947	$360,123	$16,500	$138,600	$515,223	$0	$515,223
Year 22	$0	$0	$382,639	$382,639	$377,116	$16,500	$145,200	$538,816	$0	$538,816
Year 23	$0	$0	$389,762	$389,762	$394,110	$16,500	$151,800	$562,410	$0	$562,410
Year 24	$0	$0	$397,343	$397,343	$411,104	$16,500	$158,400	$586,004	$0	$586,004
Year 25	$0	$0	$405,412	$405,412	$428,098	$16,500	$165,000	$609,598	$0	$609,598
Year 26	$0	$0	$414,000	$414,000	$445,092	$16,500	$171,600	$633,192	$0	$633,192
Year 27	$0	$0	$423,140	$423,140	$462,085	$16,500	$178,200	$656,785	$0	$656,785
Year 28	$0	$0	$432,868	$432,868	$479,079	$16,500	$184,800	$680,379	$0	$680,379
Year 29	$0	$0	$443,222	$443,222	$496,073	$16,500	$191,400	$703,973	$0	$703,973
Year 30	$0	$0	$454,241	$454,241	$513,067	$16,500	$198,000	$727,567	$0	$727,567

Liability Management Analysis

Travis Ross - 4/18/2024 | Page 6

Current Liabilities Repayment Strategy Summary

Payment Amortization Schedule							Additional Payment Breakout
Time Frame	Interest Paid	Principal Paid	Tax/ HOI/ MI/ Rent	Total Payment	Tax Savings	After Tax Payment	Additional	Save	Total Saved	Savings Balance	Prepay	Total Prepaid	Liabilities Balance
Today							$0	$0	$0	$0	$0	$0	$316,500
Month 1	$1,536	$280	$550	$2,366	$0	$2,366	$0	$0	$0	$0	$0	$0	$316,367
Month 2	$1,534	$282	$550	$2,366	$0	$2,366	$0	$0	$0	$0	$0	$0	$316,232
Month 3	$1,532	$284	$550	$2,366	$0	$2,366	$0	$0	$0	$0	$0	$0	$316,096
Month 4	$1,530	$286	$550	$2,366	$0	$2,366	$0	$0	$0	$0	$0	$0	$315,958
Month 5	$1,528	$288	$550	$2,366	$0	$2,366	$0	$0	$0	$0	$0	$0	$315,819
Month 6	$1,525	$291	$550	$2,366	$0	$2,366	$0	$0	$0	$0	$0	$0	$315,678
Month 7	$1,523	$293	$550	$2,366	$0	$2,366	$0	$0	$0	$0	$0	$0	$315,536
Month 8	$1,521	$295	$550	$2,366	$0	$2,366	$0	$0	$0	$0	$0	$0	$315,393
Month 9	$1,519	$298	$550	$2,366	$0	$2,366	$0	$0	$0	$0	$0	$0	$315,248
Month 10	$1,516	$300	$550	$2,366	$0	$2,366	$0	$0	$0	$0	$0	$0	$315,101
Month 11	$1,514	$302	$550	$2,366	$0	$2,366	$0	$0	$0	$0	$0	$0	$314,953

Year 1	$18,290	$3,504	$6,600	$28,394	$0	$28,394	$0	$0	$0	$0	$0	$0	$314,804
Year 2	$36,239	$7,349	$13,200	$56,788	$0	$56,788	$0	$0	$0	$0	$0	$0	$312,882
Year 3	$53,832	$10,881	$19,800	$84,512	$0	$84,512	$0	$669	$669	$672	$0	$0	$311,398
Year 4	$71,156	$14,150	$26,400	$111,706	$0	$111,706	$0	$1,200	$1,869	$1,897	$0	$0	$310,308
Year 5	$88,222	$16,500	$33,000	$137,722	$0	$137,722	$0	$2,378	$4,247	$4,327	$0	$0	$310,277
Year 6	$105,216	$16,500	$39,600	$161,316	$0	$161,316	$0	$4,800	$9,047	$9,259	$0	$0	$312,745
Year 7	$122,209	$16,500	$46,200	$184,909	$0	$184,909	$0	$4,800	$13,847	$14,290	$0	$0	$315,372
Year 8	$139,203	$16,500	$52,800	$208,503	$0	$208,503	$0	$4,800	$18,647	$19,423	$0	$0	$318,168
Year 9	$156,197	$16,500	$59,400	$232,097	$0	$232,097	$0	$4,800	$23,447	$24,659	$0	$0	$321,144
Year 10	$173,191	$16,500	$66,000	$255,691	$0	$255,691	$0	$4,800	$28,247	$30,001	$0	$0	$324,312
Year 11	$190,185	$16,500	$72,600	$279,285	$0	$279,285	$0	$4,800	$33,047	$35,451	$0	$0	$327,683
Year 12	$207,178	$16,500	$79,200	$302,878	$0	$302,878	$0	$4,800	$37,847	$41,010	$0	$0	$331,271
Year 13	$224,172	$16,500	$85,800	$326,472	$0	$326,472	$0	$4,800	$42,647	$46,683	$0	$0	$335,090
Year 14	$241,166	$16,500	$92,400	$350,066	$0	$350,066	$0	$4,800	$47,447	$52,469	$0	$0	$339,154
Year 15	$258,160	$16,500	$99,000	$373,660	$0	$373,660	$0	$4,800	$52,247	$58,372	$0	$0	$343,480
Year 16	$275,154	$16,500	$105,600	$397,254	$0	$397,254	$0	$4,800	$57,047	$64,395	$0	$0	$348,084
Year 17	$292,147	$16,500	$112,200	$420,847	$0	$420,847	$0	$4,800	$61,847	$70,539	$0	$0	$352,985
Year 18	$309,141	$16,500	$118,800	$444,441	$0	$444,441	$0	$4,800	$66,647	$76,807	$0	$0	$358,200
Year 19	$326,135	$16,500	$125,400	$468,035	$0	$468,035	$0	$4,800	$71,447	$83,201	$0	$0	$363,751
Year 20	$343,129	$16,500	$132,000	$491,629	$0	$491,629	$0	$4,800	$76,247	$89,725	$0	$0	$369,659
Year 21	$360,123	$16,500	$138,600	$515,223	$0	$515,223	$0	$4,800	$81,047	$96,380	$0	$0	$375,947
Year 22	$377,116	$16,500	$145,200	$538,816	$0	$538,816	$0	$4,800	$85,847	$103,170	$0	$0	$382,639
Year 23	$394,110	$16,500	$151,800	$562,410	$0	$562,410	$0	$4,800	$90,647	$110,097	$0	$0	$389,762
Year 24	$411,104	$16,500	$158,400	$586,004	$0	$586,004	$0	$4,800	$95,447	$117,163	$0	$0	$397,343
Year 25	$428,098	$16,500	$165,000	$609,598	$0	$609,598	$0	$4,800	$100,247	$124,372	$0	$0	$405,412
Year 26	$445,092	$16,500	$171,600	$633,192	$0	$633,192	$0	$4,800	$105,047	$131,727	$0	$0	$414,000
Year 27	$462,085	$16,500	$178,200	$656,785	$0	$656,785	$0	$4,800	$109,847	$139,230	$0	$0	$423,140
Year 28	$479,079	$16,500	$184,800	$680,379	$0	$680,379	$0	$4,800	$114,647	$146,884	$0	$0	$432,868
Year 29	$496,073	$16,500	$191,400	$703,973	$0	$703,973	$0	$4,800	$119,447	$154,693	$0	$0	$443,222
Year 30	$513,067	$16,500	$198,000	$727,567	$0	$727,567	$0	$4,800	$124,247	$162,660	$0	$0	$454,241

Liability Management Analysis

Travis Ross - 4/18/2024 | Page 6

Alternative 2 Repayment Strategy

Time Frame	Capital One ($100)	Ally ($300)	($330,000)	Total Liabilities	Interest Paid	Principal Paid	Tax/ HOI/ MI/ Rent	Total Payment	Tax Savings	After Tax Payment
Today	$2,500	$14,000	$330,000	$346,500		$0
Month 1	$2,427	$13,793	$0	$16,220	$120	$330,280	$0	$330,400	$0	$330,400
Month 2	$2,353	$13,585	$0	$15,938	$118	$282	$0	$400	$0	$400
Month 3	$2,279	$13,376	$0	$15,654	$116	$284	$0	$400	$0	$400
Month 4	$2,203	$13,165	$0	$15,368	$114	$286	$0	$400	$0	$400
Month 5	$2,127	$12,952	$0	$15,080	$112	$288	$0	$400	$0	$400
Month 6	$2,050	$12,738	$0	$14,789	$109	$291	$0	$400	$0	$400
Month 7	$1,973	$12,523	$0	$14,496	$107	$293	$0	$400	$0	$400
Month 8	$1,894	$12,307	$0	$14,201	$105	$295	$0	$400	$0	$400
Month 9	$1,814	$12,089	$0	$13,903	$102	$298	$0	$400	$0	$400
Month 10	$1,734	$11,869	$0	$13,603	$100	$300	$0	$400	$0	$400
Month 11	$1,653	$11,648	$0	$13,301	$98	$302	$0	$400	$0	$400

Year 1	$1,571	$11,426	$0	$12,996	$1,296	$333,504	$0	$334,800	$0	$334,800
Year 2	$513	$8,638	$0	$9,151	$2,251	$337,349	$0	$339,600	$0	$339,600
Year 3	$0	$5,619	$0	$5,619	$2,850	$340,881	$0	$343,731	$0	$343,731
Year 4	$0	$2,350	$0	$2,350	$3,181	$344,150	$0	$347,331	$0	$347,331
Year 5	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 6	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 7	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 8	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 9	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 10	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 11	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 12	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 13	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 14	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 15	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 16	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 17	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 18	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 19	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 20	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 21	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 22	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 23	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 24	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 25	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 26	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 27	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 28	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 29	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753
Year 30	$0	$0	$0	$0	$3,253	$346,500	$0	$349,753	$0	$349,753

Liability Management Analysis

Travis Ross - 4/18/2024 | Page 6

Alternative 2 Repayment Strategy Summary

Payment Amortization Schedule							Additional Payment Breakout
Time Frame	Interest Paid	Principal Paid	Tax/ HOI/ MI/ Rent	Total Payment	Tax Savings	After Tax Payment	Additional	Save	Total Saved	Savings Balance	Prepay	Total Prepaid	Liabilities Balance
Today							$0	$0	$0	$0	$0	$0	$346,500
Month 1	$120	$330,280	$0	$330,400	$0	$330,400	$0	($328,034)	($328,034)	($328,034)	$0	$0	$16,220
Month 2	$118	$282	$0	$400	$0	$400	$0	$1,966	($326,068)	($326,614)	$0	$0	$15,938
Month 3	$116	$284	$0	$400	$0	$400	$0	$1,966	($324,102)	($325,193)	$0	$0	$15,654
Month 4	$114	$286	$0	$400	$0	$400	$0	$1,966	($322,135)	($323,768)	$0	$0	$15,368
Month 5	$112	$288	$0	$400	$0	$400	$0	$1,966	($320,169)	($322,342)	$0	$0	$15,080
Month 6	$109	$291	$0	$400	$0	$400	$0	$1,966	($318,203)	($320,913)	$0	$0	$14,789
Month 7	$107	$293	$0	$400	$0	$400	$0	$1,966	($316,237)	($319,482)	$0	$0	$14,496
Month 8	$105	$295	$0	$400	$0	$400	$0	$1,966	($314,271)	($318,048)	$0	$0	$14,201
Month 9	$102	$298	$0	$400	$0	$400	$0	$1,966	($312,305)	($316,612)	$0	$0	$13,903
Month 10	$100	$300	$0	$400	$0	$400	$0	$1,966	($310,339)	($315,174)	$0	$0	$13,603
Month 11	$98	$302	$0	$400	$0	$400	$0	$1,966	($308,372)	($313,733)	$0	$0	$13,301

Year 1	$1,296	$333,504	$0	$334,800	$0	$334,800	$0	($306,406)	($306,406)	($312,289)	$0	$0	$12,996
Year 2	$2,251	$337,349	$0	$339,600	$0	$339,600	$0	$23,594	($282,812)	($294,781)	$0	$0	$9,151
Year 3	$2,850	$340,881	$0	$343,731	$0	$343,731	$0	$24,263	($258,550)	($276,248)	$0	$0	$5,619
Year 4	$3,181	$344,150	$0	$347,331	$0	$347,331	$0	$24,794	($233,756)	($256,802)	$0	$0	$2,350
Year 5	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$25,972	($207,784)	($235,781)	$0	$0	$0
Year 6	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	($179,390)	($211,885)	$0	$0	$0
Year 7	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	($150,996)	($187,506)	$0	$0	$0
Year 8	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	($122,602)	($162,635)	$0	$0	$0
Year 9	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	($94,209)	($137,263)	$0	$0	$0
Year 10	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	($65,815)	($111,378)	$0	$0	$0
Year 11	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	($37,421)	($84,970)	$0	$0	$0
Year 12	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	($9,027)	($58,030)	$0	$0	$0
Year 13	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	$19,367	($30,545)	$0	$0	$0
Year 14	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	$47,760	($2,506)	$0	$0	$0
Year 15	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	$76,154	$26,098	$0	$0	$0
Year 16	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	$104,548	$55,281	$0	$0	$0
Year 17	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	$132,942	$85,052	$0	$0	$0
Year 18	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	$161,336	$115,424	$0	$0	$0
Year 19	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	$189,729	$146,410	$0	$0	$0
Year 20	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	$218,123	$178,020	$0	$0	$0
Year 21	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	$246,517	$210,269	$0	$0	$0
Year 22	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	$274,911	$243,169	$0	$0	$0
Year 23	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	$303,305	$276,733	$0	$0	$0
Year 24	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	$331,698	$310,974	$0	$0	$0
Year 25	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	$360,092	$345,906	$0	$0	$0
Year 26	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	$388,486	$381,543	$0	$0	$0
Year 27	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	$416,880	$417,900	$0	$0	$0
Year 28	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	$445,274	$454,991	$0	$0	$0
Year 29	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	$473,667	$492,830	$0	$0	$0
Year 30	$3,253	$346,500	$0	$349,753	$0	$349,753	$0	$28,394	$502,061	$531,433	$0	$0	$0

Liability Management Analysis

Travis Ross - 4/18/2024 | Page 6