Sheet2Q1aLoan 3,000,000.00 2,500,000.00500000Rate10.00%9.00%1.22%Time202020Frequency121212Nper240240240Effective Rate0.83%0.75%0.10%

Equated Installments 28,950.65 22,493.15 6,457.50bLoan 3,000,000.00 2,500,000.00500000Rate10.00%9.00%14.75%Time101010Frequency111Nper101010Effective Rate10.00%9.00%14.75%

Equated Installments 488,236.18 389,550.22 98,685.96Q25years BackPresentNew LoanDifferencePV of SavingsUpfront PaymentSavingsLoan 3,000,000.00 3,000,000.00 2,897,229.614%Rate10.00%10.00%8%of amount ofTime30525loanFrequency121212Nper36060.00300.00Effective Rate0.83%0.83%0.67%New Principal 2,897,229.61

Equated Installments 26,327.15 22,361.29 3,965.86 513,834.63 115,889.18 397,945.45

Q35years BackPresentPresent Value of FVCFLoan 3,000,000.00 3,000,000.00 2,734,864.57Rate7.00%7.00%10%Time25520Frequency121212Nper30060.00240.00Effective Rate0.58%0.58%0.83%New Principal 2,734,864.57

Equated Installments 21,203.38 2,197,191.74

Q4Mr. XAsset Worth 10,000,000.00Finance (%)90%Loan 9,000,000.00Rate10.75%Time15Frequency12Nper180Effective Rate0.90%New Principal

Equated Installments 100,885.32