Exhibit 99.2
SECOND MODIFICATION AGREEMENT
THIS SECOND MODIFICATION AGREEMENT (this "Agreement") is made to be
effective as of the ___ day of October, 2002, by and between GENERAL ELECTRIC
CAPITAL CORPORATION ("GE Capital"), for itself and as agent for the other
financial institutions which are participants or participating lenders with
respect to any of the "Loans" and the "Loan Documents" (as hereinafter
defined), and PLYMOUTH RUBBER COMPANY, INC. (the "Borrower"). Hereafter GE
Capital and the Borrower are collectively referred to as the "Parties."
RECITALS
GE Capital is the holder of the secured term loans (the "Loans")
evidenced, respectively, by the following instruments (collectively, the
"Notes"):
(i) Promissory Note No. 4066377-003 dated December 3, 1997
in the originally stated principal amount of $4,050,000, as modified by
Modification Agreement dated February 5, 2001 (GE Capital Account No.
0000000-003);
(ii) Promissory Note No. 4074566-001 dated April 13, 1998
in the originally stated principal amount of $3,710,000, as modified by
Modification Agreement dated February 5, 2001 (GE Capital Account No.
0000000-001);
(iii) Promissory Note No. 4066377-005 dated November 12,
1998 in the originally stated principal amount of $450,000 (GE Capital
Account No. 0000000-005);
(iv) Promissory Note No. 4074566-002 dated December 30, 1999
in the originally stated principal amount of $550,000, as modified by
Modification Agreement dated February 5, 2001 (GE Capital Account No.
0000000-002);
(v) Promissory Note No. 4105137-001 dated June 5, 2000 in
the originally stated principal amount of $1,469,978.50, as modified by
Modification Agreement dated February 5, 2001 (GE Capital Account No.
0000000-001); and
(vi) Promissory Note No. 4105137-002 dated August 24, 2000
in the originally stated principal amount of $1,104,077, as modified by
Modification Agreement dated February 5, 2001 (GE Capital Account No.
0000000-002).
The Loans are further evidenced by: (a) the Master Security Agreement
dated December 29, 1995, as amended by the Collateral Schedules which
reference or incorporate such Master Security Agreement, and also by (1)
Addendum No. 1 and Addendum No. 2 thereto, each dated as of December 29,
1995, (2) a letter agreement dated as of February 19, 1997 and effective as
of November 30, 1996, and (3) a letter agreement dated as of February 8, 2000
and effective as of November 30, 1999; (b) the Master Security Agreement
dated January 29, 1997, as amended by the Collateral Schedules which
incorporate or reference such Master Security Agreement, and also by a letter
agreement dated February 12, 1997; and (c) the Cross Collateralization and
Cross Default Agreement dated as of January 29, 1997 (all of the foregoing
are collectively referred to herein as the "Security Agreement"; provided,
that where the context so requires, the term "Security Agreement" shall refer
to either of the aforesaid Master Security Agreements, as amended) and are
secured by the liens and security interests in the collateral described in
the Security Agreement (the "Collateral"). GE Capital and the Borrower
entered into a Modification Agreement ("First Modification") dated
December 27, 2001, pursuant to which certain terms of the Notes and the
Security Agreement were modified. Hereafter, the Notes, the Security
Agreement, the First Modification Agreement, and all financing statements and
other documents evidencing or securing the Loans, as modified or amended from
time to time, are collectively referred to as the "Loan Documents"; and all
duties and obligations of the Borrower to GE Capital arising out of or
relating to the Loans, including without limitation the duty to repay the
unpaid principal balances of the Loans and all accrued interest thereon in
accordance with the terms of the Loan Documents, are hereby collectively
referred to as the "Obligations."
The Loans are currently in default and GE Capital has the immediate and
unconditional right to commence exercising the default rights and remedies
available to GE Capital under applicable laws and the terms of the Loan
Documents. The Borrower has requested that GE Capital agree to waive the
existing defaults and further agree to modify certain terms of the Loan
Documents. Subject to the terms and conditions set forth herein, GE Capital
is willing to grant a limited waiver of the defaults and to modify certain
terms of the Loan Documents. The Parties have entered into this Agreement
to set forth the terms and conditions of such limited waivers and
modifications.
NOW, THEREFORE, in consideration of the premises, and other good and
valuable consideration, the receipt and adequacy of which are hereby
acknowledged, the Parties, intending to be bound, hereby agree as follows:
Section 1. Recitals. The Parties acknowledge that the Recitals set
forth above are true and accurate. Each of the Recitals is incorporated into
this Agreement and made a part hereof.
Section 2. Acknowledgment Of Obligations And Defaults. The Borrower
acknowledges, represents and warrants that: (a) each of the Loan Documents
is the valid and binding obligation of the Borrower and is fully enforceable
against the Borrower in accordance with all stated terms; (b) the duties of
the Borrower to pay and perform the Obligations are the absolute,
unconditional duties of the Borrower and are not subject to any rights of
set-off, defenses or counterclaims; (c) (i) the Borrower's failure to pay the
sums due upon the Loans in accordance with the terms of the Loan Documents
in the months of April 2002 up to the date of this Agreement (collectively,
the "Existing Payment Defaults"), (ii) the Borrower's failure to comply with
the financial covenants ("Financial Covenants") set forth in Section 10 of
the Security Agreement (the "Existing Financial Covenant Defaults"), and
(iii) the Borrower's default under certain obligations owed to lenders and/or
lessors other than GE Capital (the "Existing Cross-Defaults"; together with
the Existing Payment Defaults and the Existing Financial Covenant Defaults,
collectively, the "Existing Defaults") constitute Events of Default under the
Loan Documents and, as a result thereof, GE Capital is entitled, absent the
limited waivers granted in accordance with the terms of this Agreement, to
exercise immediately the default remedies available to GE Capital under the
Loan Documents and under applicable laws. THE BORROWER HEREBY
UNCONDITIONALLY REAFFIRMS AND RATIFIES ALL OBLIGATIONS OWED BY THE BORROWER
PURSUANT TO THE TERMS OF THE LOAN DOCUMENTS, AS HEREBY MODIFIED.
Section 3. Acknowledgment Of Outstanding Balances Of Loans. The
Parties agree that the sums of principal and accrued interest due and payable
with respect to each of the Loans as of October 1, 2002 are as follows:
(a) GE Capital Account No. 0000000-003
Principal: $2,484,607.43
Interest (through 10/01/02): 122,774.15
(b) GE Capital Account No. 0000000-001
Principal: $1,789,992.18
Interest (through 10/01/02): 82,806.47
(c) GE Capital Account No. 0000000-005
Principal: $216,300.99
Interest (through 10/01/02): 9,145.07
(d) GE Capital Account No. 0000000-002
Principal: $430,958.91
Interest (through 10/01/02): 21,837.09
(e) GE Capital Account No. 0000000-001
Principal: $1,291,525.78
Interest (through 10/01/02): 61,288.50
(f) GE Capital Account No. 0000000-002
Principal: $999,226.07
Interest (through 10/01/02): 29,598.93
In addition, interest, late charges, and attorneys' fees, as provided
for in the Loan Documents, continue to accrue in accordance with the terms
of the Loan Documents, and are due and payable to GE Capital by the Borrower
in accordance with the stated terms of the Loan Documents.
Section 4. Security. The Obligations shall continue to be secured by
the liens, assignments, and security interests described and provided for in
the Loan Documents, none of which shall be impaired by anything contained in
this Agreement and all of which are hereby ratified and confirmed by the
Borrower. The Borrower represents and warrants that the security interests,
liens and assignments in the Collateral established under the Loan Documents
shall continue to constitute perfected, first priority security interests,
liens and assignments in the Collateral in accordance with the terms set
forth in the Loan Documents. In order to secure the payment and performance
of the Obligations, the Borrower hereby grants and conveys to GE Capital a
confirmatory security interest in and to all of the Collateral described on
Exhibit A attached hereto and the proceeds and products thereof. In
addition, the Borrower shall grant to GE Capital, as additional collateral
for the Obligations, and to CIT Equipment Financing, Inc. ("CIT") and
Banknorth, N.A. ("Banknorth"), as additional collateral for certain
obligations owed by the Borrower to CIT and Banknorth, the following: (a)
security interests in and to all of the Collateral described in a Security
Agreement of even date herewith between the Borrower, GE Capital, CIT, and
Banknorth; (b) a mortgage lien in and to the real property and improvements
(collectively, "Real Property") described in a mortgage ("Mortgage") of even
date herewith granted by the Borrower to GE Capital, CIT and Banknorth; and
(c) security interests in and to the patents, trademarks, and related
property rights described in a Patent Security Agreement and a Trademark
Security Agreement, each of even date herewith, granted by the Borrower to
GE Capital, CIT, and Banknorth.
Section 5. Waiver Of Existing Defaults; Representation and Warranty
Of No Other Events Of Default. Subject to the satisfaction of all of the
conditions precedent set forth in Section 7 below, GE Capital agrees to waive
the Existing Defaults and to rescind all letters accelerating or demanding
payment in full of the Loans and to rescind any previous demands or requests
for the imposition of interest at a default rate of interest; provided,
however, that the waiver of the Existing Defaults is a waiver only of the
specific instances of default defined herein as the Existing Defaults.
Nothing contained herein shall be construed as a continuing waiver by GE
Capital of any provisions of the Loan Documents as modified by this Agreement
and nothing contained herein shall be construed as any agreement by GE
Capital to grant any future waiver, indulgence, forbearance or other
accommodation in the event of any future breach or default under any Loan
Document. The Borrower represents and warrants to GE Capital that, except
for the Existing Defaults, no other Events of Default have occurred and are
continuing under any of the Loan Documents as of the date hereof, such that,
after giving effect to the limited waivers and modifications provided herein,
the Borrower shall be in full compliance with all of the provisions of the
Loan Documents.
Section 6. Modifications. The Parties agree to the following
modifications of the Loan Documents:
6.1 Payment And Maturity Date Modifications. Each of the
Notes is hereby modified such that: (a) the remaining unpaid principal
balances thereunder and interest which accrues thereunder shall be payable
in monthly installments ("Periodic Installments") of principal and interest
in the monthly amounts set forth with respect to each Note on Exhibit B
attached hereto; and (b) the final maturity dates of each of the Notes shall
be October 1, 2005, at which time the unpaid balances of all of the Loans,
including without limitation all unpaid principal, interest, fees, expenses
and other sums required to be paid to GE Capital by the terms of the Loan
Documents, shall be paid in full.
6.2 Alternative Payment And Maturity Dates Modifications.
At such time as the Borrower demonstrates to the satisfaction of GE Capital
that: (a) all liens (collectively, "Senior Liens") in and to the Real
Property which are senior in lien priority to the lien of the Mortgage
(including without limitation the liens of LaSalle Bank National Association
("LaSalle")) are limited by their terms such that the Senior Liens secure not
more than Two Million Dollars ($2,000,000) of indebtedness; and (b) an
appraisal of the Real Property acceptable to GE Capital demonstrates that not
less than Two Million Five Hundred Thousand Dollars ($2,500,000.00) of equity
remains in the Real Property after deducting from the appraised fair market
value of the Real Property the amount of the indebtedness secured by the
Senior Liens, then each of the Notes shall be modified such that: (i) the
Periodic Installments shall thereafter be in the monthly amounts set forth
with respect to each Note on Exhibit C attached hereto; and (ii) the final
maturity dates of each of the Notes shall be those maturity dates set forth
on Exhibit C.
6.3 Cash Flow Recapture. Beginning for the fiscal year of
the Borrower ending in November of 2003 and continuing for each fiscal year
thereafter, on the date which occurs 90 days after the end of each fiscal
year of the Borrower, the Borrower agrees to: (1) provide GE Capital, CIT and
Banknorth with a statement of the Borrower's "Free Cash Flow" (as hereinafter
defined) for such fiscal year, certified by an authorized officer of the
Borrower to have been calculated in accordance with the requirements of this
Agreement; and (2) make an annual payment (each a "Cash Flow Payment") to
GE Capital, CIT and Banknorth in an amount equal to twenty-five percent (25%)
of the Free Cash Flow for such fiscal year, which Cash Flow Payments shall
be shared by GE Capital, CIT and Banknorth in accordance with the terms of
a Collateral Sharing Agreement of even date herewith. Each portion of a Cash
Flow Payment received by GE Capital shall be applied as a principal payment
against the Loans, allocated pro rata among all of the Loans, until all of
the other Loans shall have been paid, and with respect to each Loan to which
any such payment or portion thereof is allocated, applied against the
principal balance thereof in the inverse order of scheduled maturities. The
provisions of the Notes prohibiting prepayment of the Notes in part shall not
be applicable to the payments required under this subsection 6.3, and the
payments required under this subsection 6.3 shall be without premium. For
purposes of this subsection 6.3, the term "Free Cash Flow" means, with
respect to any fiscal year of the Borrower, the amount obtained by
subtracting (a) the sum of (i) the interest expense of the Borrower for such
fiscal year, (ii) principal payments on debt of the Borrower paid during such
fiscal year, (iii) the non-financed capital expenditures of the Borrower for
such fiscal year, (iv) the amount of federal and state income taxes paid by
the Borrower during such fiscal year, (v) the amount paid by the Borrower
during such fiscal year on account of any pension payments, and (vi) the
amount paid by the Borrower during such fiscal year on account of
environmental payments against reserves (excluding ongoing environmental
expenses), from (b) the EBITDA (as defined in the Security Agreement) of the
Borrower for such fiscal year.
6.4 Deletion of Financial Covenants. The Parties hereby
agree to delete all of the Financial Covenants.
6.5 Cross-Default. The occurrence hereafter of a default
or an event of default under any loan or lease owed by the Borrower to
LaSalle, CIT, or Banknorth shall, after the expiration of any applicable
notice and cure rights of the Borrower, constitute an Event of Default under
the Loan Documents.
Section 7. Conditions Precedent. The limited waivers of the Existing
Defaults set forth above in Section 5 of this Agreement and the modifications
set forth above in Section 6 of this Agreement are subject to the
satisfaction in full of each of the following conditions precedent:
(a) The Borrower shall have duly authorized, executed and
delivered this Agreement;
(b) The Borrower shall have delivered to GE Capital evidence
satisfactory to GE Capital (which shall include applicable modification
documents, and such other documentation as may be appropriate to
indicate the satisfaction of any applicable conditions to the
transactions contemplated by such documents) that: (a) BankNorth and
CIT have entered into restructurings of the terms of payment and
maturity dates applicable to the loans and leases of the Borrower held
by such creditors on terms providing for the deferral of portions of
the payments due thereunder and for the extension of maturity dates
which are similar to the payment deferral terms and extensions of
maturity dates provided for herein with respect to the Loans; and (b)
BankNorth and CIT have waived any existing defaults under their
respective loans and leases with the Borrower;
(c) All entities holding any participation interests or
assignment interests in any of the Loans shall have consented in
writing to this Agreement and the waivers and modifications
contemplated by this Agreement;
(d) The Borrower shall have paid to GE Capital the amount of
$37,149.70 for remittance to Citizens Leasing Corporation ("Citizens"),
representing that amount of principal and interest necessary to bring
the participation interests of Citizens current through October 1,
2002;
(e) The Borrower shall have paid to GE Capital $85,219.42,
representing the aggregate amount of unpaid accrued interest upon the
Loans through May, 2002 and $472,176.42, representing the
aggregate amount of the above-described Periodic Installments due upon
the Loans, as modified in accordance with the terms of subsection 6.1
of this Agreement, for the months of June, July, August, September, and
October of 2002;
(f) The Borrower shall have paid all reasonable attorneys'
fees and expenses incurred by GE Capital in connection with the
preparation and negotiation of this Agreement and all related documents
and all costs of recordation, title insurance and other out-of-pocket
expenses incurred with respect to the additional collateral being
provided by the Borrower in accordance with Section 4 of this
Agreement;
(g) There shall not have occurred and be continuing any event
or circumstance which is or, with the giving of notice, the passage of
time, or both, would be an Event of Default under any of the Loan
Documents, other than the Existing Defaults; and
(h) GE Capital, Banknorth and CIT shall have been granted
perfected mortgage liens upon the real property of the Borrower, and
security interests upon certain property of the Borrower second in lien
priority only to the liens of LaSalle therein (or any entity
refinancing LaSalle's loans to the Borrower), and LaSalle, GE Capital,
CIT and Banknorth shall have entered into a Subordination Agreement
acceptable to GE Capital.
Section 8. No Other Modifications Of Loan Documents. Except as
specifically stated in this Agreement, the Loan Documents have not been
amended, modified or changed in any respect. Without limiting the foregoing,
nothing herein shall be construed as a waiver or modification of any
provision providing for default remedies in favor of GE Capital if any
further default occurs under any Loan Documents, including the right to
accelerate the maturity of the Loans.
Section 9. Further Assurances. The Borrower agrees to execute and
deliver to GE Capital such other and further documents as may from time to
time, be reasonably requested by GE Capital in order to execute or enforce
the terms and conditions of this Agreement or of any of the Loan Documents.
Section 10. No Novation; No Refinance. It is the intention of the
Parties that nothing contained in this Agreement shall be deemed to effect
or accomplish or otherwise constitute a novation of any of the obligations
or duties owed by the Borrower to GE Capital or of any of the Loan Documents
or to be a refinance of the Loans. Except as expressly provided herein,
nothing contained herein is intended to extinguish, terminate or impair any
of the duties or obligations owed by the Borrower to GE Capital.
Section 11. Successors and Assigns. This Agreement shall inure to the
benefit of and be enforceable against each of the Parties and their
respective successors and assigns.
Section 12. Choice Of Law; Consent To Jurisdiction; Agreement As To
Venue. This Agreement shall be construed, performed and enforced and its
validity and enforceability determined in accordance with the laws of the
State of Connecticut (excluding conflict of laws principles). The Borrower
consents to the jurisdiction of any state or federal court located in the
State of Connecticut. The Borrower waives any right to object to the
maintenance of a suit in any of the state or federal courts of the State of
Connecticut on the basis of improper venue or inconvenience of forum.
Section 13. Amendments. This Agreement may be amended only by a
writing executed by all of the Parties.
Section 14. Time. Time is of the essence of this Agreement.
Section 15. No Oral or Implied Waiver. No failure or delay by GE
Capital in the exercise or enforcement of any of its rights under any Loan
Document shall be a waiver of such right or remedy nor shall a single or
partial exercise or enforcement thereof preclude any other or further
exercise or enforcement thereof or the exercise or enforcement of any other
right or remedy. GE Capital may at any time or from time to time waive all
or any rights under this Agreement or the other Loan Documents, but any such
waiver must be specific and in writing and no such waiver shall constitute,
unless specifically so expressed by GE Capital in writing, a future waiver
of performance or exact performance by the Borrower. No notice to or demand
upon the Borrower in any instance shall entitle the Borrower to any other or
further notice or demand in the same, similar or other circumstance.
Section 16. Obligations Unconditional. The obligations of the Borrower
set forth in this Agreement and as required by the terms of the Loan
Documents are absolute and unconditional, and are independent of any defense
or rights of set-off, recoupment or counterclaim which the Borrower might
have against GE Capital. The Borrower agrees that all payments required
hereunder or by the Loan Documents shall be made free of any deductions and
without abatement, diminution or set-off.
Section 17. RELEASE. IN ORDER TO INDUCE GE CAPITAL TO ENTER INTO THIS
AGREEMENT, THE BORROWER FOREVER RELEASES AND DISCHARGES GE CAPITAL AND GE
CAPITAL'S OFFICERS, DIRECTORS, EMPLOYEES, ATTORNEYS, AND AGENTS AND ALL
PARTICIPANTS AND ASSIGNEES OF GE CAPITAL WITH RESPECT TO THE LOANS
(COLLECTIVELY, THE "RELEASED PARTIES") FROM ANY AND ALL CLAIMS, CAUSES OF
ACTION, SUITS AND DAMAGES (INCLUDING CLAIMS FOR ATTORNEYS' FEES AND COSTS)
WHICH THE BORROWER EVER HAD OR MAY NOW HAVE AGAINST ANY OF THE RELEASED
PARTIES ARISING OUT OF OR RELATED IN ANY WAY TO THE LOANS, THE OBLIGATIONS,
THE LOAN DOCUMENTS, OR THE COLLATERAL SECURING THE LOANS OR THE
ADMINISTRATION THEREOF, WHETHER KNOWN OR UNKNOWN, INCLUDING BUT NOT LIMITED
TO ANY AND ALL CLAIMS BASED UPON OR RELYING ON ANY ALLEGATIONS OR ASSERTIONS
OF DURESS, ILLEGALITY, UNCONSCIONABILITY, BAD FAITH, BREACH OF CONTRACT,
REGULATORY VIOLATIONS, NEGLIGENCE, MISCONDUCT, OR ANY OTHER TORT, CONTRACT
OR REGULATORY CLAIM OF ANY KIND OR NATURE. THIS RELEASE IS INTENDED TO BE
FINAL AND IRREVOCABLE AND IS NOT SUBJECT TO THE SATISFACTION OF ANY
CONDITIONS OF ANY KIND.
Section 18. Waiver Of Jury Trial. Each of the Parties agrees that any
suit, action, or proceeding, whether claim or counterclaim, brought or
instituted by any party, or any successor or assign of any party, on or with
respect to this Agreement, the Loans(or the administration thereof), or any
of the other Loan Documents, or which in any way relates, directly or
indirectly, to the obligations of any party to any other party, or the
dealings of the Parties with respect thereto, shall be tried by a court and
not by a jury. EACH OF THE PARTIES HEREBY EXPRESSLY WAIVES ANY RIGHT TO A
TRIAL BY JURY IN ANY SUCH SUIT, ACTION, OR PROCEEDING.
[SIGNATURES BEGIN ON THE FOLLOWING PAGE]
IN WITNESS WHEREOF, the Parties have executed this Agreement with the
specific intention of creating a document under seal as of the date first
above written. This Agreement may be executed and delivered in counterparts.
Executed counterparts of this Agreement may be delivered via facsimile.
WITNESS: BORROWER:
PLYMOUTH RUBBER COMPANY, INC.,
A Massachusetts Corporation
By:
---------------------------- ---------------------------------------
Xxxxxxx X. Xxxxxxxxx, President
WITNESS/ATTEST: GE CAPITAL:
GENERAL ELECTRIC CAPITAL CORPORATION
By:
---------------------------- ---------------------------------------
Xxxxx X. Xxxxxxx, Senior Vice
President,
Strategic Asset Financing Group
Exhibits
Exhibit A Collateral
Exhibit B Payment and Maturity Dates Modifications (10/01/05 Maturity Date)
Exhibit C Alternative Payment and Maturity Dates Modifications
9
A M O R T I Z A T I O N S C H E D U L E
- - - - A g g r e g a t e O f L e n d i n g L o a n s - - - -
Prepared Oct-17-2002 14:12 by .............................. Xxxx Xxxxxxxx
Parameter filename .................................. ply4066377003berns36
Parameter path ................................... k:\saf group\plymouth6\
Comment ........................................ plymouth4066377003berns36
Aggregate average life (lending) ............................. 3.018 years
Rate ......................................................... 8.54000000%
starting debt remaining
date balance takedowns service interest principal balance
Mar-01-02 0.00 2,484,607.43 0.00 0.00 0.00 2,484,607.43
Apr-01-02 2,484,607.43 0.00 17,682.12 17,682.12 0.00 2,484,607.43
May-01-02 2,484,607.43 0.00 17,682.12 17,682.13 -0.01 2,484,607.44
Jun-01-02 2,484,607.44 0.00 31,743.63 17,682.12 14,061.51 2,470,545.93
Jul-01-02 2,470,545.93 0.00 31,643.56 17,582.05 14,061.51 2,456,484.42
Aug-01-02 2,456,484.42 0.00 31,543.49 17,481.98 14,061.51 2,442,422.91
Sep-01-02 2,442,422.91 0.00 31,443.42 17,381.91 14,061.51 2,428,361.40
Oct-01-02 2,428,361.40 0.00 31,343.35 17,281.84 14,061.51 2,414,299.89
Nov-01-02 2,414,299.89 0.00 31,243.28 17,181.77 14,061.51 2,400,238.38
Dec-01-02 2,400,238.38 0.00 31,143.21 17,081.69 14,061.52 2,386,176.86
------------- ------------- ------------- -------------
2,484,607.43 255,468.18 157,037.61 98,430.57
Jan-01-03 2,386,176.86 0.00 31,043.14 16,981.63 14,061.51 2,372,115.35
Feb-01-03 2,372,115.35 0.00 30,943.06 16,881.55 14,061.51 2,358,053.84
Mar-01-03 2,358,053.84 0.00 30,842.99 16,781.49 14,061.50 2,343,992.34
Apr-01-03 2,343,992.34 0.00 30,742.92 16,681.41 14,061.51 2,329,930.83
May-01-03 2,329,930.83 0.00 30,642.85 16,581.34 14,061.51 2,315,869.32
Jun-01-03 2,315,869.32 0.00 44,157.93 16,481.27 27,676.66 2,288,192.66
Jul-01-03 2,288,192.66 0.00 43,960.96 16,284.30 27,676.66 2,260,516.00
Aug-01-03 2,260,516.00 0.00 43,764.00 16,087.34 27,676.66 2,232,839.34
Sep-01-03 2,232,839.34 0.00 43,567.03 15,890.38 27,676.65 2,205,162.69
Oct-01-03 2,205,162.69 0.00 43,370.07 15,693.40 27,676.67 2,177,486.02
Nov-01-03 2,177,486.02 0.00 43,173.10 15,496.45 27,676.65 2,149,809.37
Dec-01-03 2,149,809.37 0.00 42,976.14 15,299.47 27,676.67 2,122,132.70
------------- ------------- ------------- -------------
0.00 459,184.19 195,140.03 264,044.16
Jan-01-04 2,122,132.70 0.00 42,779.17 15,102.51 27,676.66 2,094,456.04
Feb-01-04 2,094,456.04 0.00 42,582.21 14,905.55 27,676.66 2,066,779.38
Mar-01-04 2,066,779.38 0.00 42,385.24 14,708.58 27,676.66 2,039,102.72
Apr-01-04 2,039,102.72 0.00 42,188.27 14,511.61 27,676.66 2,011,426.06
May-01-04 2,011,426.06 0.00 41,991.31 14,314.65 27,676.66 1,983,749.40
Jun-01-04 1,983,749.40 0.00 40,361.48 14,117.68 26,243.80 1,957,505.60
Jul-01-04 1,957,505.60 0.00 40,174.71 13,930.92 26,243.79 1,931,261.81
Aug-01-04 1,931,261.81 0.00 39,987.95 13,744.15 26,243.80 1,905,018.01
Sep-01-04 1,905,018.01 0.00 39,801.18 13,557.37 26,243.81 1,878,774.20
Oct-01-04 1,878,774.20 0.00 39,614.41 13,370.61 26,243.80 1,852,530.40
Nov-01-04 1,852,530.40 0.00 39,427.64 13,183.84 26,243.80 1,826,286.60
Dec-01-04 1,826,286.60 0.00 39,240.87 12,997.08 26,243.79 1,800,042.81
------------- ------------- ------------- -------------
0.00 490,534.44 168,444.55 322,089.89
Jan-01-05 1,800,042.81 0.00 39,054.10 12,810.30 26,243.80 1,773,799.01
Feb-01-05 1,773,799.01 0.00 38,867.34 12,623.54 26,243.80 1,747,555.21
Mar-01-05 1,747,555.21 0.00 38,680.57 12,436.77 26,243.80 1,721,311.41
Apr-01-05 1,721,311.41 0.00 38,493.80 12,249.99 26,243.81 1,695,067.60
May-01-05 1,695,067.60 0.00 38,307.03 12,063.24 26,243.79 1,668,823.81
Jun-01-05 1,668,823.81 0.00 38,641.66 11,876.46 26,765.20 1,642,058.61
Jul-01-05 1,642,058.61 0.00 38,451.18 11,685.98 26,765.20 1,615,293.41
Aug-01-05 1,615,293.41 0.00 38,260.70 11,495.51 26,765.19 1,588,528.22
Sep-01-05 1,588,528.22 0.00 38,070.23 11,305.02 26,765.21 1,561,763.01
Oct-01-05 1,561,763.01 0.00 1,572,877.56 11,114.55 1,561,763.01 0.00
------------- ------------- ------------- -------------
0.00 1,919,704.17 119,661.36 1,800,042.81
T O T A L 2,484,607.43 3,124,890.98 640,283.55 2,484,607.43
============= ============= ============= =============
SuperTRUMP 8.01 financial model Page 1 Ivory Consulting Corporation
A M O R T I Z A T I O N S C H E D U L E
- - - - A g g r e g a t e O f L e n d i n g L o a n s - - - -
Prepared Oct-17-2002 16:51 by .............................. Xxxx Xxxxxxxx
Parameter filename .................................. ply4066377005berns36
Parameter path ................................... k:\saf group\plymouth6\
Comment ........................................ plymouth4066377005berns36
Aggregate average life (lending) ............................. 2.240 years
Average rate ................................................. 7.94403157%
starting debt remaining
date balance takedowns service interest principal balance
Mar-01-02 0.00 216,300.99 0.00 0.00 0.00 216,300.99
Apr-01-02 216,300.99 0.00 6,215.77 1,399.51 4,816.26 211,484.73
May-01-02 211,484.73 0.00 6,215.77 1,370.22 4,845.55 206,639.18
Jun-01-02 206,639.18 0.00 6,662.08 1,340.72 5,321.36 201,317.82
Jul-01-02 201,317.82 0.00 6,659.09 1,308.08 5,351.01 195,966.81
Aug-01-02 195,966.81 0.00 6,656.09 1,275.25 5,380.84 190,585.97
Sep-01-02 190,585.97 0.00 6,653.10 1,242.24 5,410.86 185,175.11
Oct-01-02 185,175.11 0.00 6,650.11 1,209.05 5,441.06 179,734.05
Nov-01-02 179,734.05 0.00 6,647.12 1,175.67 5,471.45 174,262.60
Dec-01-02 174,262.60 0.00 6,644.13 1,142.10 5,502.03 168,760.57
------------- ------------- ------------- -------------
216,300.99 59,003.26 11,462.84 47,540.42
Jan-01-03 168,760.57 0.00 6,641.14 1,108.35 5,532.79 163,227.78
Feb-01-03 163,227.78 0.00 6,638.15 1,074.42 5,563.73 157,664.05
Mar-01-03 157,664.05 0.00 6,635.16 1,040.30 5,594.86 152,069.19
Apr-01-03 152,069.19 0.00 6,632.17 1,005.98 5,626.19 146,443.00
May-01-03 146,443.00 0.00 6,629.18 971.48 5,657.70 140,785.30
Jun-01-03 140,785.30 0.00 7,017.65 936.78 6,080.87 134,704.43
Jul-01-03 134,704.43 0.00 7,012.03 899.27 6,112.76 128,591.67
Aug-01-03 128,591.67 0.00 1,699.32 861.56 837.76 127,753.91
Sep-01-03 127,753.91 0.00 1,693.71 855.95 837.76 126,916.15
Oct-01-03 126,916.15 0.00 1,688.09 850.34 837.75 126,078.40
Nov-01-03 126,078.40 0.00 1,682.48 844.73 837.75 125,240.65
Dec-01-03 125,240.65 0.00 1,676.87 839.11 837.76 124,402.89
------------- ------------- ------------- -------------
0.00 55,645.95 11,288.27 44,357.68
Jan-01-04 124,402.89 0.00 1,671.26 833.50 837.76 123,565.13
Feb-01-04 123,565.13 0.00 1,665.64 827.88 837.76 122,727.37
Mar-01-04 122,727.37 0.00 1,660.03 822.28 837.75 121,889.62
Apr-01-04 121,889.62 0.00 1,654.42 816.66 837.76 121,051.86
May-01-04 121,051.86 0.00 1,648.80 811.04 837.76 120,214.10
Jun-01-04 120,214.10 0.00 3,027.38 805.44 2,221.94 117,992.16
Jul-01-04 117,992.16 0.00 3,012.49 790.55 2,221.94 115,770.22
Aug-01-04 115,770.22 0.00 2,997.60 775.66 2,221.94 113,548.28
Sep-01-04 113,548.28 0.00 2,982.72 760.77 2,221.95 111,326.33
Oct-01-04 111,326.33 0.00 2,967.83 745.89 2,221.94 109,104.39
Nov-01-04 109,104.39 0.00 2,952.94 730.99 2,221.95 106,882.44
Dec-01-04 106,882.44 0.00 2,938.06 716.12 2,221.94 104,660.50
------------- ------------- ------------- -------------
0.00 29,179.17 9,436.78 19,742.39
Jan-01-05 104,660.50 0.00 2,923.17 701.22 2,221.95 102,438.55
Feb-01-05 102,438.55 0.00 2,908.28 686.34 2,221.94 100,216.61
Mar-01-05 100,216.61 0.00 2,893.40 671.45 2,221.95 97,994.66
Apr-01-05 97,994.66 0.00 2,878.51 656.57 2,221.94 95,772.72
May-01-05 95,772.72 0.00 2,863.62 641.67 2,221.95 93,550.77
Jun-01-05 93,550.77 0.00 2,892.88 626.79 2,266.09 91,284.68
Jul-01-05 91,284.68 0.00 2,877.70 611.61 2,266.09 89,018.59
Aug-01-05 89,018.59 0.00 2,862.51 596.42 2,266.09 86,752.50
Sep-01-05 86,752.50 0.00 2,847.33 581.25 2,266.08 84,486.42
Oct-01-05 84,486.42 0.00 85,052.47 566.05 84,486.42 0.00
------------- ------------- ------------- -------------
0.00 110,999.87 6,339.37 104,660.50
T O T A L 216,300.99 254,828.25 38,527.26 216,300.99
============= ============= ============= =============
SuperTRUMP 8.01 financial model Page 1 Ivory Consulting Corporation
A M O R T I Z A T I O N S C H E D U L E
- - - - A g g r e g a t e O f L e n d i n g L o a n s - - - -
Prepared Oct-17-2002 14:03 by .............................. Xxxx Xxxxxxxx
Parameter filename .................................. ply4074566001berns36
Parameter path ................................... k:\saf group\plymouth6\
Comment ........................................ plymouth0000000000berns36
Aggregate average life (lending) ............................. 2.751 years
Rate ......................................................... 8.04000000%
starting debt remaining
date balance takedowns service interest principal balance
Mar-01-02 0.00 1,789,992.18 0.00 0.00 0.00 1,789,992.18
Apr-01-02 1,789,992.18 0.00 11,992.95 11,992.95 0.00 1,789,992.18
May-01-02 1,789,992.18 0.00 11,992.95 11,992.95 0.00 1,789,992.18
Jun-01-02 1,789,992.18 0.00 29,069.95 11,992.94 17,077.01 1,772,915.17
Jul-01-02 1,772,915.17 0.00 28,955.53 11,878.53 17,077.00 1,755,838.17
Aug-01-02 1,755,838.17 0.00 28,841.12 11,764.12 17,077.00 1,738,761.17
Sep-01-02 1,738,761.17 0.00 28,726.70 11,649.70 17,077.00 1,721,684.17
Oct-01-02 1,721,684.17 0.00 28,612.28 11,535.28 17,077.00 1,704,607.17
Nov-01-02 1,704,607.17 0.00 28,497.87 11,420.87 17,077.00 1,687,530.17
Dec-01-02 1,687,530.17 0.00 28,383.45 11,306.45 17,077.00 1,670,453.17
------------- ------------- ------------- -------------
1,789,992.18 225,072.80 105,533.79 119,539.01
Jan-01-03 1,670,453.17 0.00 28,269.04 11,192.04 17,077.00 1,653,376.17
Feb-01-03 1,653,376.17 0.00 28,154.62 11,077.62 17,077.00 1,636,299.17
Mar-01-03 1,636,299.17 0.00 28,040.20 10,963.21 17,076.99 1,619,222.18
Apr-01-03 1,619,222.18 0.00 27,925.79 10,848.78 17,077.01 1,602,145.17
May-01-03 1,602,145.17 0.00 27,811.37 10,734.38 17,076.99 1,585,068.18
Jun-01-03 1,585,068.18 0.00 41,193.40 10,619.95 30,573.45 1,554,494.73
Jul-01-03 1,554,494.73 0.00 40,988.55 10,415.12 30,573.43 1,523,921.30
Aug-01-03 1,523,921.30 0.00 40,783.71 10,210.27 30,573.44 1,493,347.86
Sep-01-03 1,493,347.86 0.00 40,578.87 10,005.43 30,573.44 1,462,774.42
Oct-01-03 1,462,774.42 0.00 40,374.03 9,800.59 30,573.44 1,432,200.98
Nov-01-03 1,432,200.98 0.00 40,169.19 9,595.75 30,573.44 1,401,627.54
Dec-01-03 1,401,627.54 0.00 39,964.34 9,390.90 30,573.44 1,371,054.10
------------- ------------- ------------- -------------
0.00 424,253.11 124,854.04 299,399.07
Jan-01-04 1,371,054.10 0.00 39,759.50 9,186.06 30,573.44 1,340,480.66
Feb-01-04 1,340,480.66 0.00 39,554.66 8,981.22 30,573.44 1,309,907.22
Mar-01-04 1,309,907.22 0.00 39,349.82 8,776.38 30,573.44 1,279,333.78
Apr-01-04 1,279,333.78 0.00 39,144.98 8,571.54 30,573.44 1,248,760.34
May-01-04 1,248,760.34 0.00 38,940.13 8,366.69 30,573.44 1,218,186.90
Jun-01-04 1,218,186.90 0.00 26,931.15 8,161.86 18,769.29 1,199,417.61
Jul-01-04 1,199,417.61 0.00 26,805.40 8,036.09 18,769.31 1,180,648.30
Aug-01-04 1,180,648.30 0.00 26,679.64 7,910.35 18,769.29 1,161,879.01
Sep-01-04 1,161,879.01 0.00 26,553.89 7,784.59 18,769.30 1,143,109.71
Oct-01-04 1,143,109.71 0.00 26,428.13 7,658.83 18,769.30 1,124,340.41
Nov-01-04 1,124,340.41 0.00 26,302.38 7,533.08 18,769.30 1,105,571.11
Dec-01-04 1,105,571.11 0.00 26,176.63 7,407.33 18,769.30 1,086,801.81
------------- ------------- ------------- -------------
0.00 382,626.31 98,374.02 284,252.29
Jan-01-05 1,086,801.81 0.00 26,050.87 7,281.57 18,769.30 1,068,032.51
Feb-01-05 1,068,032.51 0.00 25,925.12 7,155.82 18,769.30 1,049,263.21
Mar-01-05 1,049,263.21 0.00 25,799.36 7,030.06 18,769.30 1,030,493.91
Apr-01-05 1,030,493.91 0.00 25,673.61 6,904.31 18,769.30 1,011,724.61
May-01-05 1,011,724.61 0.00 25,547.85 6,778.56 18,769.29 992,955.32
Jun-01-05 992,955.32 0.00 25,795.00 6,652.80 19,142.20 973,813.12
Jul-01-05 973,813.12 0.00 25,666.75 6,524.54 19,142.21 954,670.91
Aug-01-05 954,670.91 0.00 25,538.50 6,396.30 19,142.20 935,528.71
Sep-01-05 935,528.71 0.00 25,410.24 6,268.04 19,142.20 916,386.51
Oct-01-05 916,386.51 0.00 922,526.30 6,139.79 916,386.51 0.00
------------- ------------- ------------- -------------
0.00 1,153,933.60 67,131.79 1,086,801.81
T O T A L 1,789,992.18 2,185,885.82 395,893.64 1,789,992.18
============= ============= ============= =============
SuperTRUMP 8.01 financial model Page 1 Ivory Consulting Corporation
A M O R T I Z A T I O N S C H E D U L E
- - - - A g g r e g a t e O f L e n d i n g L o a n s - - - -
Prepared Oct-17-2002 14:05 by .............................. Xxxx Xxxxxxxx
Parameter filename .................................. ply4074566002berns36
Parameter path ................................... k:\saf group\plymouth6\
Comment ........................................ plymouth0000000000berns36
Aggregate average life (lending) ............................. 3.063 years
Rate ......................................................... 8.75000000%
starting debt remaining
date balance takedowns service interest principal balance
Mar-01-02 0.00 430,958.91 0.00 0.00 0.00 430,958.91
Apr-01-02 430,958.91 0.00 3,142.41 3,142.41 0.00 430,958.91
May-01-02 430,958.91 0.00 3,142.41 3,142.41 0.00 430,958.91
Jun-01-02 430,958.91 0.00 5,333.50 3,142.41 2,191.09 428,767.82
Jul-01-02 428,767.82 0.00 5,317.52 3,126.43 2,191.09 426,576.73
Aug-01-02 426,576.73 0.00 5,301.55 3,110.45 2,191.10 424,385.63
Sep-01-02 424,385.63 0.00 5,285.57 3,094.48 2,191.09 422,194.54
Oct-01-02 422,194.54 0.00 5,269.59 3,078.50 2,191.09 420,003.45
Nov-01-02 420,003.45 0.00 5,253.62 3,062.53 2,191.09 417,812.36
Dec-01-02 417,812.36 0.00 5,237.64 3,046.55 2,191.09 415,621.27
------------- ------------- ------------- -------------
430,958.91 43,283.81 27,946.17 15,337.64
Jan-01-03 415,621.27 0.00 5,221.66 3,030.57 2,191.09 413,430.18
Feb-01-03 413,430.18 0.00 5,205.69 3,014.59 2,191.10 411,239.08
Mar-01-03 411,239.08 0.00 5,189.71 2,998.62 2,191.09 409,047.99
Apr-01-03 409,047.99 0.00 5,173.73 2,982.64 2,191.09 406,856.90
May-01-03 406,856.90 0.00 5,157.76 2,966.67 2,191.09 404,665.81
Jun-01-03 404,665.81 0.00 7,276.11 2,950.69 4,325.42 400,340.39
Jul-01-03 400,340.39 0.00 7,244.57 2,919.15 4,325.42 396,014.97
Aug-01-03 396,014.97 0.00 7,213.03 2,887.61 4,325.42 391,689.55
Sep-01-03 391,689.55 0.00 7,181.49 2,856.07 4,325.42 387,364.13
Oct-01-03 387,364.13 0.00 7,149.95 2,824.53 4,325.42 383,038.71
Nov-01-03 383,038.71 0.00 7,118.41 2,792.99 4,325.42 378,713.29
Dec-01-03 378,713.29 0.00 7,086.87 2,761.45 4,325.42 374,387.87
------------- ------------- ------------- -------------
0.00 76,218.98 34,985.58 41,233.40
Jan-01-04 374,387.87 0.00 7,055.33 2,729.91 4,325.42 370,062.45
Feb-01-04 370,062.45 0.00 7,023.79 2,698.37 4,325.42 365,737.03
Mar-01-04 365,737.03 0.00 6,992.25 2,666.83 4,325.42 361,411.61
Apr-01-04 361,411.61 0.00 6,960.71 2,635.30 4,325.41 357,086.20
May-01-04 357,086.20 0.00 6,929.17 2,603.75 4,325.42 352,760.78
Jun-01-04 352,760.78 0.00 7,094.66 2,572.22 4,522.44 348,238.34
Jul-01-04 348,238.34 0.00 7,061.69 2,539.23 4,522.46 343,715.88
Aug-01-04 343,715.88 0.00 7,028.71 2,506.27 4,522.44 339,193.44
Sep-01-04 339,193.44 0.00 6,995.74 2,473.28 4,522.46 334,670.98
Oct-01-04 334,670.98 0.00 6,962.76 2,440.31 4,522.45 330,148.53
Nov-01-04 330,148.53 0.00 6,929.78 2,407.33 4,522.45 325,626.08
Dec-01-04 325,626.08 0.00 6,896.81 2,374.36 4,522.45 321,103.63
------------- ------------- ------------- -------------
0.00 83,931.40 30,647.16 53,284.24
Jan-01-05 321,103.63 0.00 6,863.83 2,341.38 4,522.45 316,581.18
Feb-01-05 316,581.18 0.00 6,830.85 2,308.41 4,522.44 312,058.74
Mar-01-05 312,058.74 0.00 6,797.88 2,275.42 4,522.46 307,536.28
Apr-01-05 307,536.28 0.00 6,764.90 2,242.46 4,522.44 303,013.84
May-01-05 303,013.84 0.00 6,731.93 2,209.47 4,522.46 298,491.38
Jun-01-05 298,491.38 0.00 6,788.80 2,176.50 4,612.30 293,879.08
Jul-01-05 293,879.08 0.00 6,755.17 2,142.87 4,612.30 289,266.78
Aug-01-05 289,266.78 0.00 6,721.54 2,109.24 4,612.30 284,654.48
Sep-01-05 284,654.48 0.00 6,687.91 2,075.60 4,612.31 280,042.17
Oct-01-05 280,042.17 0.00 282,084.15 2,041.98 280,042.17 0.00
------------- ------------- ------------- -------------
0.00 343,026.96 21,923.33 321,103.63
T O T A L 430,958.91 546,461.15 115,502.24 430,958.91
============= ============= ============= =============
SuperTRUMP 8.01 financial model Page 1 Ivory Consulting Corporation
A M O R T I Z A T I O N S C H E D U L E
- - - - A g g r e g a t e O f L e n d i n g L o a n s - - - -
Prepared Oct-22-2002 15:16 by .............................. Xxxx Xxxxxxxx
Parameter filename ............................... ics410537001berns36OCT1
Parameter path ................................... k:\saf group\plymouth6\
Comment ................................................... 410537001OCT01
Aggregate average life (lending) ............................. 3.105 years
Rate ......................................................... 9.56000000%
starting debt remaining
date balance takedowns service interest principal balance
Apr-05-02 0.00 1,291,525.78 0.00 0.00 0.00 1,291,525.78
May-05-02 1,291,525.78 0.00 10,289.16 10,289.16 0.00 1,291,525.78
Jun-05-02 1,291,525.78 0.00 15,892.95 10,289.15 5,603.80 1,285,921.98
Jul-05-02 1,285,921.98 0.00 15,848.30 10,244.51 5,603.79 1,280,318.19
Aug-05-02 1,280,318.19 0.00 15,803.66 10,199.87 5,603.79 1,274,714.40
Sep-05-02 1,274,714.40 0.00 15,759.01 10,155.23 5,603.78 1,269,110.62
Oct-05-02 1,269,110.62 0.00 15,714.37 10,110.58 5,603.79 1,263,506.83
Nov-05-02 1,263,506.83 0.00 15,669.73 10,065.93 5,603.80 1,257,903.03
Dec-05-02 1,257,903.03 0.00 15,625.08 10,021.30 5,603.78 1,252,299.25
------------- ------------- ------------- -------------
1,291,525.78 120,602.26 81,375.73 39,226.53
Jan-05-03 1,252,299.25 0.00 15,580.44 9,976.65 5,603.79 1,246,695.46
Feb-05-03 1,246,695.46 0.00 15,535.80 9,932.01 5,603.79 1,241,091.67
Mar-05-03 1,241,091.67 0.00 15,491.15 9,887.36 5,603.79 1,235,487.88
Apr-05-03 1,235,487.88 0.00 15,446.51 9,842.72 5,603.79 1,229,884.09
May-05-03 1,229,884.09 0.00 15,401.87 9,798.08 5,603.79 1,224,280.30
Jun-05-03 1,224,280.30 0.00 20,895.50 9,753.43 11,142.07 1,213,138.23
Jul-05-03 1,213,138.23 0.00 20,806.74 9,664.67 11,142.07 1,201,996.16
Aug-05-03 1,201,996.16 0.00 20,717.97 9,575.90 11,142.07 1,190,854.09
Sep-05-03 1,190,854.09 0.00 20,629.21 9,487.14 11,142.07 1,179,712.02
Oct-05-03 1,179,712.02 0.00 20,540.44 9,398.37 11,142.07 1,168,569.95
Nov-05-03 1,168,569.95 0.00 20,451.68 9,309.61 11,142.07 1,157,427.88
Dec-05-03 1,157,427.88 0.00 20,362.91 9,220.84 11,142.07 1,146,285.81
------------- ------------- ------------- -------------
0.00 221,860.22 115,846.78 106,013.44
Jan-05-04 1,146,285.81 0.00 20,274.15 9,132.08 11,142.07 1,135,143.74
Feb-05-04 1,135,143.74 0.00 20,185.38 9,043.31 11,142.07 1,124,001.67
Mar-05-04 1,124,001.67 0.00 20,096.62 8,954.55 11,142.07 1,112,859.60
Apr-05-04 1,112,859.60 0.00 20,007.85 8,865.78 11,142.07 1,101,717.53
May-05-04 1,101,717.53 0.00 19,919.09 8,777.01 11,142.08 1,090,575.45
Jun-05-04 1,090,575.45 0.00 13,371.05 8,688.25 4,682.80 1,085,892.65
Jul-05-04 1,085,892.65 0.00 13,371.05 8,650.95 4,720.10 1,081,172.55
Aug-05-04 1,081,172.55 0.00 13,371.05 8,613.34 4,757.71 1,076,414.84
Sep-05-04 1,076,414.84 0.00 13,371.05 8,575.44 4,795.61 1,071,619.23
Oct-05-04 1,071,619.23 0.00 13,371.05 8,537.23 4,833.82 1,066,785.41
Nov-05-04 1,066,785.41 0.00 13,371.05 8,498.73 4,872.32 1,061,913.09
Dec-05-04 1,061,913.09 0.00 13,371.05 8,459.90 4,911.15 1,057,001.94
------------- ------------- ------------- -------------
0.00 194,080.44 104,796.57 89,283.87
Jan-05-05 1,057,001.94 0.00 13,371.05 8,420.79 4,950.26 1,052,051.68
Feb-05-05 1,052,051.68 0.00 13,371.05 8,381.34 4,989.71 1,047,061.97
Mar-05-05 1,047,061.97 0.00 13,371.05 8,341.59 5,029.46 1,042,032.51
Apr-05-05 1,042,032.51 0.00 13,371.05 8,301.53 5,069.52 1,036,962.99
May-05-05 1,036,962.99 0.00 13,371.05 8,261.14 5,109.91 1,031,853.08
Jun-05-05 1,031,853.08 0.00 13,636.70 8,220.43 5,416.27 1,026,436.81
Jul-05-05 1,026,436.81 0.00 13,636.70 8,177.28 5,459.42 1,020,977.39
Aug-05-05 1,020,977.39 0.00 13,636.70 8,133.79 5,502.91 1,015,474.48
Sep-05-05 1,015,474.48 0.00 13,636.70 8,089.94 5,546.76 1,009,927.72
Oct-01-05 1,009,927.72 0.00 1,016,900.71 6,972.99 1,009,927.72 0.00
------------- ------------- ------------- -------------
0.00 1,138,302.76 81,300.82 1,057,001.94
T O T A L 1,291,525.78 1,674,845.68 383,319.90 1,291,525.78
============= ============= ============= =============
SuperTRUMP 8.01 financial model Page 1 Ivory Consulting Corporation
A M O R T I Z A T I O N S C H E D U L E
- - - - A g g r e g a t e O f L e n d i n g L o a n s - - - -
Prepared Oct-22-2002 15:20 by .............................. Xxxx Xxxxxxxx
Parameter filename ............................... ics410537002berns36OCT1
Parameter path ................................... k:\saf group\plymouth6\
Comment ................................................... 410537001OCT01
Aggregate average life (lending) ............................. 3.009 years
Rate ......................................................... 8.98050000%
starting debt remaining
date balance takedowns service interest principal balance
Apr-24-02 0.00 999,226.07 0.00 0.00 0.00 999,226.07
May-24-02 999,226.07 0.00 7,477.96 7,477.96 0.00 999,226.07
Jun-24-02 999,226.07 0.00 11,659.06 7,477.96 4,181.10 995,044.97
Jul-24-02 995,044.97 0.00 11,627.77 7,446.66 4,181.11 990,863.86
Aug-24-02 990,863.86 0.00 11,596.48 7,415.38 4,181.10 986,682.76
Sep-24-02 986,682.76 0.00 11,565.19 7,384.09 4,181.10 982,501.66
Oct-24-02 982,501.66 0.00 11,533.90 7,352.80 4,181.10 978,320.56
Nov-24-02 978,320.56 0.00 11,502.61 7,321.50 4,181.11 974,139.45
Dec-24-02 974,139.45 0.00 11,471.32 7,290.22 4,181.10 969,958.35
------------- ------------- ------------- -------------
999,226.07 88,434.29 59,166.57 29,267.72
Jan-24-03 969,958.35 0.00 11,440.03 7,258.92 4,181.11 965,777.24
Feb-24-03 965,777.24 0.00 11,408.74 7,227.64 4,181.10 961,596.14
Mar-24-03 961,596.14 0.00 11,377.45 7,196.35 4,181.10 957,415.04
Apr-24-03 957,415.04 0.00 11,346.16 7,165.05 4,181.11 953,233.93
May-24-03 953,233.93 0.00 11,314.86 7,133.77 4,181.09 949,052.84
Jun-24-03 949,052.84 0.00 15,368.13 7,102.47 8,265.66 940,787.18
Jul-24-03 940,787.18 0.00 15,306.28 7,040.62 8,265.66 932,521.52
Aug-24-03 932,521.52 0.00 15,244.42 6,978.75 8,265.67 924,255.85
Sep-24-03 924,255.85 0.00 15,182.56 6,916.90 8,265.66 915,990.19
Oct-24-03 915,990.19 0.00 15,120.70 6,855.05 8,265.65 907,724.54
Nov-24-03 907,724.54 0.00 15,058.84 6,793.18 8,265.66 899,458.88
Dec-24-03 899,458.88 0.00 14,996.99 6,731.33 8,265.66 891,193.22
------------- ------------- ------------- -------------
0.00 163,165.16 84,400.03 78,765.13
Jan-24-04 891,193.22 0.00 14,935.13 6,669.46 8,265.67 882,927.55
Feb-24-04 882,927.55 0.00 14,873.27 6,607.61 8,265.66 874,661.89
Mar-24-04 874,661.89 0.00 14,811.41 6,545.75 8,265.66 866,396.23
Apr-24-04 866,396.23 0.00 14,749.55 6,483.90 8,265.65 858,130.58
May-24-04 858,130.58 0.00 14,687.69 6,422.03 8,265.66 849,864.92
Jun-24-04 849,864.92 0.00 16,643.37 6,360.18 10,283.19 839,581.73
Jul-24-04 839,581.73 0.00 16,566.41 6,283.22 10,283.19 829,298.54
Aug-24-04 829,298.54 0.00 16,489.45 6,206.26 10,283.19 819,015.35
Sep-24-04 819,015.35 0.00 16,412.50 6,129.31 10,283.19 808,732.16
Oct-24-04 808,732.16 0.00 16,335.54 6,052.35 10,283.19 798,448.97
Nov-24-04 798,448.97 0.00 16,258.58 5,975.39 10,283.19 788,165.78
Dec-24-04 788,165.78 0.00 16,181.63 5,898.44 10,283.19 777,882.59
------------- ------------- ------------- -------------
0.00 188,944.53 75,633.90 113,310.63
Jan-24-05 777,882.59 0.00 16,104.67 5,821.47 10,283.20 767,599.39
Feb-24-05 767,599.39 0.00 16,027.71 5,744.53 10,283.18 757,316.21
Mar-24-05 757,316.21 0.00 15,950.76 5,667.56 10,283.20 747,033.01
Apr-24-05 747,033.01 0.00 15,873.80 5,590.61 10,283.19 736,749.82
May-24-05 736,749.82 0.00 15,796.84 5,513.65 10,283.19 726,466.63
Jun-24-05 726,466.63 0.00 15,924.09 5,436.70 10,487.39 715,979.24
Jul-24-05 715,979.24 0.00 15,845.61 5,358.21 10,487.40 705,491.84
Aug-24-05 705,491.84 0.00 15,767.12 5,279.72 10,487.40 695,004.44
Sep-24-05 695,004.44 0.00 15,688.64 5,201.24 10,487.40 684,517.04
Oct-01-05 684,517.04 0.00 685,712.35 1,195.31 684,517.04 0.00
------------- ------------- ------------- -------------
0.00 828,691.59 50,809.00 777,882.59
T O T A L 999,226.07 1,269,235.57 270,009.50 999,226.07
============= ============= ============= =============
SuperTRUMP 8.01 financial model Page 1 Ivory Consulting Corporation
A M O R T I Z A T I O N S C H E D U L E
- - - - A g g r e g a t e O f L e n d i n g L o a n s - - - -
Prepared Oct-17-2002 16:49 by ............................. Xxxx Xxxxxxxx
Parameter filename .................................. ply4066377005berns24
Parameter path ................................... k:\saf group\plymouth6\
Comment ........................................ plymouth4066377003berns24
Aggregate average life (lending) ............................. 2.765 years
Average rate ................................................. 7.95887244%
starting debt remaining
date balance takedowns service interest principal balance
Mar-01-02 0.00 216,300.99 0.00 0.00 0.00 216,300.99
Apr-01-02 216,300.99 0.00 6,215.77 1,399.51 4,816.26 211,484.73
May-01-02 211,484.73 0.00 6,215.77 1,370.22 4,845.55 206,639.18
Jun-01-02 206,639.18 0.00 6,666.76 1,340.72 5,326.04 201,313.14
Jul-01-02 201,313.14 0.00 6,663.74 1,308.05 5,355.69 195,957.45
Aug-01-02 195,957.45 0.00 6,660.72 1,275.19 5,385.53 190,571.92
Sep-01-02 190,571.92 0.00 6,657.70 1,242.15 5,415.55 185,156.37
Oct-01-02 185,156.37 0.00 6,654.67 1,208.91 5,445.76 179,710.61
Nov-01-02 179,710.61 0.00 6,651.65 1,175.52 5,476.13 174,234.48
Dec-01-02 174,234.48 0.00 6,648.63 1,141.91 5,506.72 168,727.76
------------- ------------- ------------- -------------
216,300.99 59,035.41 11,462.18 47,573.23
Jan-01-03 168,727.76 0.00 6,645.61 1,108.13 5,537.48 163,190.28
Feb-01-03 163,190.28 0.00 6,642.59 1,074.17 5,568.42 157,621.86
Mar-01-03 157,621.86 0.00 6,639.57 1,040.02 5,599.55 152,022.31
Apr-01-03 152,022.31 0.00 6,636.54 1,005.66 5,630.88 146,391.43
May-01-03 146,391.43 0.00 6,633.52 971.14 5,662.38 140,729.05
Jun-01-03 140,729.05 0.00 7,026.06 936.40 6,089.66 134,639.39
Jul-01-03 134,639.39 0.00 7,020.39 898.83 6,121.56 128,517.83
Aug-01-03 128,517.83 0.00 1,707.62 861.07 846.55 127,671.28
Sep-01-03 127,671.28 0.00 1,701.95 855.40 846.55 126,824.73
Oct-01-03 126,824.73 0.00 1,696.28 849.73 846.55 125,978.18
Nov-01-03 125,978.18 0.00 1,690.61 844.05 846.56 125,131.62
Dec-01-03 125,131.62 0.00 1,684.93 838.38 846.55 124,285.07
------------- ------------- ------------- -------------
0.00 55,725.67 11,282.98 44,442.69
Jan-01-04 124,285.07 0.00 1,679.26 832.71 846.55 123,438.52
Feb-01-04 123,438.52 0.00 1,673.59 827.04 846.55 122,591.97
Mar-01-04 122,591.97 0.00 1,667.92 821.37 846.55 121,745.42
Apr-01-04 121,745.42 0.00 1,662.25 815.69 846.56 120,898.86
May-01-04 120,898.86 0.00 1,656.57 810.02 846.55 120,052.31
Jun-01-04 120,052.31 0.00 3,049.62 804.35 2,245.27 117,807.04
Jul-01-04 117,807.04 0.00 3,034.58 789.31 2,245.27 115,561.77
Aug-01-04 115,561.77 0.00 3,019.54 774.26 2,245.28 113,316.49
Sep-01-04 113,316.49 0.00 3,004.49 759.22 2,245.27 111,071.22
Oct-01-04 111,071.22 0.00 2,989.45 744.18 2,245.27 108,825.95
Nov-01-04 108,825.95 0.00 2,974.41 729.14 2,245.27 106,580.68
Dec-01-04 106,580.68 0.00 2,959.36 714.09 2,245.27 104,335.41
------------- ------------- ------------- -------------
0.00 29,371.04 9,421.38 19,949.66
Jan-01-05 104,335.41 0.00 2,944.32 699.04 2,245.28 102,090.13
Feb-01-05 102,090.13 0.00 2,929.28 684.01 2,245.27 99,844.86
Mar-01-05 99,844.86 0.00 2,914.23 668.96 2,245.27 97,599.59
Apr-01-05 97,599.59 0.00 2,899.19 653.91 2,245.28 95,354.31
May-01-05 95,354.31 0.00 2,884.15 638.88 2,245.27 93,109.04
Jun-01-05 93,109.04 0.00 2,913.71 623.83 2,289.88 90,819.16
Jul-01-05 90,819.16 0.00 2,898.37 608.49 2,289.88 88,529.28
Aug-01-05 88,529.28 0.00 2,883.03 593.14 2,289.89 86,239.39
Sep-01-05 86,239.39 0.00 2,867.68 577.81 2,289.87 83,949.52
Oct-01-05 83,949.52 0.00 2,852.34 562.46 2,289.88 81,659.64
Nov-01-05 81,659.64 0.00 2,837.00 547.12 2,289.88 79,369.76
Dec-01-05 79,369.76 0.00 2,821.66 531.78 2,289.88 77,079.88
------------- ------------- ------------- -------------
0.00 34,644.96 7,389.43 27,255.53
Jan-01-06 77,079.88 0.00 2,806.31 516.43 2,289.88 74,790.00
Feb-01-06 74,790.00 0.00 2,790.97 501.09 2,289.88 72,500.12
Mar-01-06 72,500.12 0.00 2,775.63 485.76 2,289.87 70,210.25
Apr-01-06 70,210.25 0.00 2,760.29 470.40 2,289.89 67,920.36
May-01-06 67,920.36 0.00 2,744.95 455.07 2,289.88 65,630.48
Jun-01-06 65,630.48 0.00 4,109.97 439.73 3,670.24 61,960.24
Jul-01-06 61,960.24 0.00 4,085.38 415.13 3,670.25 58,289.99
Aug-01-06 58,289.99 0.00 4,060.79 390.54 3,670.25 54,619.74
Sep-01-06 54,619.74 0.00 4,036.20 365.95 3,670.25 50,949.49
Oct-01-06 50,949.49 0.00 4,011.61 341.37 3,670.24 47,279.25
Nov-01-06 47,279.25 0.00 3,987.02 316.77 3,670.25 43,609.00
Dec-01-06 43,609.00 0.00 3,962.43 292.18 3,670.25 39,938.75
------------- ------------- ------------- -------------
0.00 42,131.55 4,990.42 37,141.13
Jan-01-07 39,938.75 0.00 3,937.84 267.59 3,670.25 36,268.50
Feb-01-07 36,268.50 0.00 3,913.25 242.99 3,670.26 32,598.24
Mar-01-07 32,598.24 0.00 3,888.66 218.41 3,670.25 28,927.99
Apr-01-07 28,927.99 0.00 3,864.07 193.82 3,670.25 25,257.74
May-01-07 25,257.74 0.00 3,839.48 169.23 3,670.25 21,587.49
Jun-01-07 21,587.49 0.00 945.10 144.63 800.47 20,787.02
Jul-01-07 20,787.02 0.00 939.74 139.28 800.46 19,986.56
Aug-01-07 19,986.56 0.00 934.38 133.91 800.47 19,186.09
Sep-01-07 19,186.09 0.00 929.01 128.54 800.47 18,385.62
Oct-01-07 18,385.62 0.00 923.65 123.19 800.46 17,585.16
Nov-01-07 17,585.16 0.00 918.29 117.82 800.47 16,784.69
Dec-01-07 16,784.69 0.00 912.92 112.45 800.47 15,984.22
------------- ------------- ------------- -------------
0.00 25,946.39 1,991.86 23,954.53
Jan-01-08 15,984.22 0.00 907.56 107.10 800.46 15,183.76
Feb-01-08 15,183.76 0.00 902.20 101.73 800.47 14,383.29
Mar-01-08 14,383.29 0.00 896.83 96.37 800.46 13,582.83
Apr-01-08 13,582.83 0.00 891.47 91.00 800.47 12,782.36
May-01-08 12,782.36 0.00 886.11 85.64 800.47 11,981.89
Jun-01-08 11,981.89 0.00 880.75 80.28 800.47 11,181.42
Jul-01-08 11,181.42 0.00 875.38 74.92 800.46 10,380.96
Aug-01-08 10,380.96 0.00 870.02 69.55 800.47 9,580.49
Sep-01-08 9,580.49 0.00 864.66 64.19 800.47 8,780.02
Oct-01-08 8,780.02 0.00 859.29 58.83 800.46 7,979.56
Nov-01-08 7,979.56 0.00 853.93 53.46 800.47 7,179.09
Dec-01-08 7,179.09 0.00 848.57 48.10 800.47 6,378.62
------------- ------------- ------------- -------------
0.00 10,536.77 931.17 9,605.60
Jan-01-09 6,378.62 0.00 843.20 42.74 800.46 5,578.16
Feb-01-09 5,578.16 0.00 837.84 37.37 800.47 4,777.69
Mar-01-09 4,777.69 0.00 832.48 32.01 800.47 3,977.22
Apr-01-09 3,977.22 0.00 827.11 26.65 800.46 3,176.76
May-01-09 3,176.76 0.00 821.75 21.28 800.47 2,376.29
Jun-01-09 2,376.29 0.00 816.39 15.92 800.47 1,575.82
Jul-01-09 1,575.82 0.00 1,586.38 10.56 1,575.82 0.00
------------- ------------- ------------- -------------
0.00 6,565.15 186.53 6,378.62
T O T A L 216,300.99 263,956.94 47,655.95 216,300.99
============= ============= ============= =============
SuperTRUMP 8.01 financial model Page 1 Ivory Consulting Corporation
A M O R T I Z A T I O N S C H E D U L E
- - - - A g g r e g a t e O f L e n d i n g L o a n s - - - -
Prepared Oct-17-2002 14:19 by .............................. Xxxx Xxxxxxxx
Parameter filename .................................. ply4066377003berns24
Parameter path ................................... k:\saf group\plymouth6\
Comment ........................................ plymouth4066377003berns24
Aggregate average life (lending) ............................. 4.793 years
Rate ......................................................... 8.54000000%
starting debt remaining
date balance takedowns service interest principal balance
Mar-01-02 0.00 2,484,607.43 0.00 0.00 0.00 2,484,607.43
Apr-01-02 2,484,607.43 0.00 17,682.12 17,682.12 0.00 2,484,607.43
May-01-02 2,484,607.43 0.00 17,682.12 17,682.13 -0.01 2,484,607.44
Jun-01-02 2,484,607.44 0.00 31,743.63 17,682.12 14,061.51 2,470,545.93
Jul-01-02 2,470,545.93 0.00 31,643.56 17,582.05 14,061.51 2,456,484.42
Aug-01-02 2,456,484.42 0.00 31,543.49 17,481.98 14,061.51 2,442,422.91
Sep-01-02 2,442,422.91 0.00 31,443.42 17,381.91 14,061.51 2,428,361.40
Oct-01-02 2,428,361.40 0.00 31,343.35 17,281.84 14,061.51 2,414,299.89
Nov-01-02 2,414,299.89 0.00 31,243.28 17,181.77 14,061.51 2,400,238.38
Dec-01-02 2,400,238.38 0.00 31,143.21 17,081.69 14,061.52 2,386,176.86
------------- ------------- ------------- -------------
2,484,607.43 255,468.18 157,037.61 98,430.57
Jan-01-03 2,386,176.86 0.00 31,043.14 16,981.63 14,061.51 2,372,115.35
Feb-01-03 2,372,115.35 0.00 30,943.06 16,881.55 14,061.51 2,358,053.84
Mar-01-03 2,358,053.84 0.00 30,842.99 16,781.49 14,061.50 2,343,992.34
Apr-01-03 2,343,992.34 0.00 30,742.92 16,681.41 14,061.51 2,329,930.83
May-01-03 2,329,930.83 0.00 30,642.85 16,581.34 14,061.51 2,315,869.32
Jun-01-03 2,315,869.32 0.00 44,157.93 16,481.27 27,676.66 2,288,192.66
Jul-01-03 2,288,192.66 0.00 43,960.96 16,284.30 27,676.66 2,260,516.00
Aug-01-03 2,260,516.00 0.00 43,764.00 16,087.34 27,676.66 2,232,839.34
Sep-01-03 2,232,839.34 0.00 43,567.03 15,890.38 27,676.65 2,205,162.69
Oct-01-03 2,205,162.69 0.00 43,370.07 15,693.40 27,676.67 2,177,486.02
Nov-01-03 2,177,486.02 0.00 43,173.10 15,496.45 27,676.65 2,149,809.37
Dec-01-03 2,149,809.37 0.00 42,976.14 15,299.47 27,676.67 2,122,132.70
------------- ------------- ------------- -------------
0.00 459,184.19 195,140.03 264,044.16
Jan-01-04 2,122,132.70 0.00 42,779.17 15,102.51 27,676.66 2,094,456.04
Feb-01-04 2,094,456.04 0.00 42,582.21 14,905.55 27,676.66 2,066,779.38
Mar-01-04 2,066,779.38 0.00 42,385.24 14,708.58 27,676.66 2,039,102.72
Apr-01-04 2,039,102.72 0.00 42,188.27 14,511.61 27,676.66 2,011,426.06
May-01-04 2,011,426.06 0.00 41,991.31 14,314.65 27,676.66 1,983,749.40
Jun-01-04 1,983,749.40 0.00 40,361.48 14,117.68 26,243.80 1,957,505.60
Jul-01-04 1,957,505.60 0.00 40,174.71 13,930.92 26,243.79 1,931,261.81
Aug-01-04 1,931,261.81 0.00 39,987.95 13,744.15 26,243.80 1,905,018.01
Sep-01-04 1,905,018.01 0.00 39,801.18 13,557.37 26,243.81 1,878,774.20
Oct-01-04 1,878,774.20 0.00 39,614.41 13,370.61 26,243.80 1,852,530.40
Nov-01-04 1,852,530.40 0.00 39,427.64 13,183.84 26,243.80 1,826,286.60
Dec-01-04 1,826,286.60 0.00 39,240.87 12,997.08 26,243.79 1,800,042.81
------------- ------------- ------------- -------------
0.00 490,534.44 168,444.55 322,089.89
Jan-01-05 1,800,042.81 0.00 39,054.10 12,810.30 26,243.80 1,773,799.01
Feb-01-05 1,773,799.01 0.00 38,867.34 12,623.54 26,243.80 1,747,555.21
Mar-01-05 1,747,555.21 0.00 38,680.57 12,436.77 26,243.80 1,721,311.41
Apr-01-05 1,721,311.41 0.00 38,493.80 12,249.99 26,243.81 1,695,067.60
May-01-05 1,695,067.60 0.00 38,307.03 12,063.24 26,243.79 1,668,823.81
Jun-01-05 1,668,823.81 0.00 38,641.66 11,876.46 26,765.20 1,642,058.61
Jul-01-05 1,642,058.61 0.00 38,451.18 11,685.98 26,765.20 1,615,293.41
Aug-01-05 1,615,293.41 0.00 38,260.70 11,495.51 26,765.19 1,588,528.22
Sep-01-05 1,588,528.22 0.00 38,070.23 11,305.02 26,765.21 1,561,763.01
Oct-01-05 1,561,763.01 0.00 37,879.75 11,114.55 26,765.20 1,534,997.81
Nov-01-05 1,534,997.81 0.00 37,689.27 10,924.07 26,765.20 1,508,232.61
Dec-01-05 1,508,232.61 0.00 37,498.79 10,733.59 26,765.20 1,481,467.41
------------- ------------- ------------- -------------
0.00 459,894.42 141,319.02 318,575.40
Jan-01-06 1,481,467.41 0.00 37,308.31 10,543.10 26,765.21 1,454,702.20
Feb-01-06 1,454,702.20 0.00 37,117.83 10,352.64 26,765.19 1,427,937.01
Mar-01-06 1,427,937.01 0.00 36,927.35 10,162.15 26,765.20 1,401,171.81
Apr-01-06 1,401,171.81 0.00 36,736.87 9,971.67 26,765.20 1,374,406.61
May-01-06 1,374,406.61 0.00 36,546.39 9,781.19 26,765.20 1,347,641.41
Jun-01-06 1,347,641.41 0.00 52,490.34 9,590.72 42,899.62 1,304,741.79
Jul-01-06 1,304,741.79 0.00 52,185.04 9,285.41 42,899.63 1,261,842.16
Aug-01-06 1,261,842.16 0.00 51,879.74 8,980.11 42,899.63 1,218,942.53
Sep-01-06 1,218,942.53 0.00 51,574.44 8,674.81 42,899.63 1,176,042.90
Oct-01-06 1,176,042.90 0.00 51,269.14 8,369.50 42,899.64 1,133,143.26
Nov-01-06 1,133,143.26 0.00 50,963.83 8,064.21 42,899.62 1,090,243.64
Dec-01-06 1,090,243.64 0.00 50,658.53 7,758.90 42,899.63 1,047,344.01
------------- ------------- ------------- -------------
0.00 545,657.81 111,534.41 434,123.40
Jan-01-07 1,047,344.01 0.00 50,353.23 7,453.59 42,899.64 1,004,444.37
Feb-01-07 1,004,444.37 0.00 50,047.93 7,148.30 42,899.63 961,544.74
Mar-01-07 961,544.74 0.00 49,742.62 6,842.99 42,899.63 918,645.11
Apr-01-07 918,645.11 0.00 49,437.32 6,537.69 42,899.63 875,745.48
May-01-07 875,745.48 0.00 49,132.02 6,232.39 42,899.63 832,845.85
Jun-01-07 832,845.85 0.00 15,283.32 5,927.09 9,356.23 823,489.62
Jul-01-07 823,489.62 0.00 15,216.73 5,860.50 9,356.23 814,133.39
Aug-01-07 814,133.39 0.00 15,150.15 5,793.91 9,356.24 804,777.15
Sep-01-07 804,777.15 0.00 15,083.56 5,727.34 9,356.22 795,420.93
Oct-01-07 795,420.93 0.00 15,016.98 5,660.74 9,356.24 786,064.69
Nov-01-07 786,064.69 0.00 14,950.39 5,594.16 9,356.23 776,708.46
Dec-01-07 776,708.46 0.00 14,883.81 5,527.58 9,356.23 767,352.23
------------- ------------- ------------- -------------
0.00 354,298.06 74,306.28 279,991.78
Jan-01-08 767,352.23 0.00 14,817.22 5,460.99 9,356.23 757,996.00
Feb-01-08 757,996.00 0.00 14,750.63 5,394.40 9,356.23 748,639.77
Mar-01-08 748,639.77 0.00 14,684.05 5,327.82 9,356.23 739,283.54
Apr-01-08 739,283.54 0.00 14,617.46 5,261.24 9,356.22 729,927.32
May-01-08 729,927.32 0.00 14,550.88 5,194.64 9,356.24 720,571.08
Jun-01-08 720,571.08 0.00 14,484.29 5,128.07 9,356.22 711,214.86
Jul-01-08 711,214.86 0.00 14,417.71 5,061.48 9,356.23 701,858.63
Aug-01-08 701,858.63 0.00 14,351.12 4,994.89 9,356.23 692,502.40
Sep-01-08 692,502.40 0.00 14,284.54 4,928.31 9,356.23 683,146.17
Oct-01-08 683,146.17 0.00 14,217.95 4,861.72 9,356.23 673,789.94
Nov-01-08 673,789.94 0.00 14,151.37 4,795.14 9,356.23 664,433.71
Dec-01-08 664,433.71 0.00 14,084.78 4,728.55 9,356.23 655,077.48
------------- ------------- ------------- -------------
0.00 173,412.00 61,137.25 112,274.75
Jan-01-09 655,077.48 0.00 14,018.20 4,661.97 9,356.23 645,721.25
Feb-01-09 645,721.25 0.00 13,951.61 4,595.39 9,356.22 636,365.03
Mar-01-09 636,365.03 0.00 13,885.03 4,528.79 9,356.24 627,008.79
Apr-01-09 627,008.79 0.00 13,818.44 4,462.22 9,356.22 617,652.57
May-01-09 617,652.57 0.00 13,751.86 4,395.62 9,356.24 608,296.33
Jun-01-09 608,296.33 0.00 13,685.27 4,329.04 9,356.23 598,940.10
Jul-01-09 598,940.10 0.00 13,618.69 4,262.46 9,356.23 589,583.87
Aug-01-09 589,583.87 0.00 13,552.10 4,195.87 9,356.23 580,227.64
Sep-01-09 580,227.64 0.00 13,485.52 4,129.29 9,356.23 570,871.41
Oct-01-09 570,871.41 0.00 13,418.93 4,062.70 9,356.23 561,515.18
Nov-01-09 561,515.18 0.00 13,352.35 3,996.12 9,356.23 552,158.95
Dec-01-09 552,158.95 0.00 13,285.76 3,929.53 9,356.23 542,802.72
------------- ------------- ------------- -------------
0.00 163,823.76 51,549.00 112,274.76
Jan-01-10 542,802.72 0.00 13,219.18 3,862.94 9,356.24 533,446.48
Feb-01-10 533,446.48 0.00 13,152.59 3,796.36 9,356.23 524,090.25
Mar-01-10 524,090.25 0.00 13,086.01 3,729.78 9,356.23 514,734.02
Apr-01-10 514,734.02 0.00 13,019.42 3,663.19 9,356.23 505,377.79
May-01-10 505,377.79 0.00 12,952.84 3,596.61 9,356.23 496,021.56
Jun-01-10 496,021.56 0.00 12,886.25 3,530.02 9,356.23 486,665.33
Jul-01-10 486,665.33 0.00 12,819.66 3,463.43 9,356.23 477,309.10
Aug-01-10 477,309.10 0.00 12,753.08 3,396.85 9,356.23 467,952.87
Sep-01-10 467,952.87 0.00 12,686.49 3,330.27 9,356.22 458,596.65
Oct-01-10 458,596.65 0.00 12,619.91 3,263.67 9,356.24 449,240.41
Nov-01-10 449,240.41 0.00 12,553.32 3,197.10 9,356.22 439,884.19
Dec-01-10 439,884.19 0.00 12,486.74 3,130.51 9,356.23 430,527.96
------------- ------------- ------------- -------------
0.00 154,235.49 41,960.73 112,274.76
Jan-01-11 430,527.96 0.00 12,420.15 3,063.92 9,356.23 421,171.73
Feb-01-11 421,171.73 0.00 12,353.57 2,997.34 9,356.23 411,815.50
Mar-01-11 411,815.50 0.00 12,286.98 2,930.75 9,356.23 402,459.27
Apr-01-11 402,459.27 0.00 12,220.40 2,864.17 9,356.23 393,103.04
May-01-11 393,103.04 0.00 395,900.63 2,797.59 393,103.04 0.00
------------- ------------- ------------- -------------
0.00 445,181.73 14,653.77 430,527.96
T O T A L 2,484,607.43 3,501,690.08 1,017,082.65 2,484,607.43
============= ============= ============= =============
SuperTRUMP 8.01 financial model Page 1 Ivory Consulting Corporation
A M O R T I Z A T I O N S C H E D U L E
- - - - A g g r e g a t e O f L e n d i n g L o a n s - - - -
Prepared Oct-17-2002 14:02 by .............................. Xxxx Xxxxxxxx
Parameter filename .................................. ply4074566001berns24
Parameter path ................................... k:\saf group\plymouth6\
Comment ........................................ plymouth0000000000berns36
Aggregate average life (lending) ............................. 3.025 years
Rate ......................................................... 8.04000000%
starting debt remaining
date balance takedowns service interest principal balance
Mar-01-02 0.00 1,789,992.18 0.00 0.00 0.00 1,789,992.18
Apr-01-02 1,789,992.18 0.00 11,992.95 11,992.95 0.00 1,789,992.18
May-01-02 1,789,992.18 0.00 11,992.95 11,992.95 0.00 1,789,992.18
Jun-01-02 1,789,992.18 0.00 29,069.95 11,992.94 17,077.01 1,772,915.17
Jul-01-02 1,772,915.17 0.00 28,955.53 11,878.53 17,077.00 1,755,838.17
Aug-01-02 1,755,838.17 0.00 28,841.12 11,764.12 17,077.00 1,738,761.17
Sep-01-02 1,738,761.17 0.00 28,726.70 11,649.70 17,077.00 1,721,684.17
Oct-01-02 1,721,684.17 0.00 28,612.28 11,535.28 17,077.00 1,704,607.17
Nov-01-02 1,704,607.17 0.00 28,497.87 11,420.87 17,077.00 1,687,530.17
Dec-01-02 1,687,530.17 0.00 28,383.45 11,306.45 17,077.00 1,670,453.17
------------- ------------- ------------- -------------
1,789,992.18 225,072.80 105,533.79 119,539.01
Jan-01-03 1,670,453.17 0.00 28,269.04 11,192.04 17,077.00 1,653,376.17
Feb-01-03 1,653,376.17 0.00 28,154.62 11,077.62 17,077.00 1,636,299.17
Mar-01-03 1,636,299.17 0.00 28,040.20 10,963.21 17,076.99 1,619,222.18
Apr-01-03 1,619,222.18 0.00 27,925.79 10,848.78 17,077.01 1,602,145.17
May-01-03 1,602,145.17 0.00 27,811.37 10,734.38 17,076.99 1,585,068.18
Jun-01-03 1,585,068.18 0.00 41,193.40 10,619.95 30,573.45 1,554,494.73
Jul-01-03 1,554,494.73 0.00 40,988.55 10,415.12 30,573.43 1,523,921.30
Aug-01-03 1,523,921.30 0.00 40,783.71 10,210.27 30,573.44 1,493,347.86
Sep-01-03 1,493,347.86 0.00 40,578.87 10,005.43 30,573.44 1,462,774.42
Oct-01-03 1,462,774.42 0.00 40,374.03 9,800.59 30,573.44 1,432,200.98
Nov-01-03 1,432,200.98 0.00 40,169.19 9,595.75 30,573.44 1,401,627.54
Dec-01-03 1,401,627.54 0.00 39,964.34 9,390.90 30,573.44 1,371,054.10
------------- ------------- ------------- -------------
0.00 424,253.11 124,854.04 299,399.07
Jan-01-04 1,371,054.10 0.00 39,759.50 9,186.06 30,573.44 1,340,480.66
Feb-01-04 1,340,480.66 0.00 39,554.66 8,981.22 30,573.44 1,309,907.22
Mar-01-04 1,309,907.22 0.00 39,349.82 8,776.38 30,573.44 1,279,333.78
Apr-01-04 1,279,333.78 0.00 39,144.98 8,571.54 30,573.44 1,248,760.34
May-01-04 1,248,760.34 0.00 38,940.13 8,366.69 30,573.44 1,218,186.90
Jun-01-04 1,218,186.90 0.00 26,931.15 8,161.86 18,769.29 1,199,417.61
Jul-01-04 1,199,417.61 0.00 26,805.40 8,036.09 18,769.31 1,180,648.30
Aug-01-04 1,180,648.30 0.00 26,679.64 7,910.35 18,769.29 1,161,879.01
Sep-01-04 1,161,879.01 0.00 26,553.89 7,784.59 18,769.30 1,143,109.71
Oct-01-04 1,143,109.71 0.00 26,428.13 7,658.83 18,769.30 1,124,340.41
Nov-01-04 1,124,340.41 0.00 26,302.38 7,533.08 18,769.30 1,105,571.11
Dec-01-04 1,105,571.11 0.00 26,176.63 7,407.33 18,769.30 1,086,801.81
------------- ------------- ------------- -------------
0.00 382,626.31 98,374.02 284,252.29
Jan-01-05 1,086,801.81 0.00 26,050.87 7,281.57 18,769.30 1,068,032.51
Feb-01-05 1,068,032.51 0.00 25,925.12 7,155.82 18,769.30 1,049,263.21
Mar-01-05 1,049,263.21 0.00 25,799.36 7,030.06 18,769.30 1,030,493.91
Apr-01-05 1,030,493.91 0.00 25,673.61 6,904.31 18,769.30 1,011,724.61
May-01-05 1,011,724.61 0.00 25,547.85 6,778.56 18,769.29 992,955.32
Jun-01-05 992,955.32 0.00 25,795.00 6,652.80 19,142.20 973,813.12
Jul-01-05 973,813.12 0.00 25,666.75 6,524.54 19,142.21 954,670.91
Aug-01-05 954,670.91 0.00 25,538.50 6,396.30 19,142.20 935,528.71
Sep-01-05 935,528.71 0.00 25,410.24 6,268.04 19,142.20 916,386.51
Oct-01-05 916,386.51 0.00 25,281.99 6,139.79 19,142.20 897,244.31
Nov-01-05 897,244.31 0.00 25,153.74 6,011.54 19,142.20 878,102.11
Dec-01-05 878,102.11 0.00 25,025.48 5,883.28 19,142.20 858,959.91
------------- ------------- ------------- -------------
0.00 306,868.51 79,026.61 227,841.90
Jan-01-06 858,959.91 0.00 24,897.23 5,755.03 19,142.20 839,817.71
Feb-01-06 839,817.71 0.00 24,768.98 5,626.78 19,142.20 820,675.51
Mar-01-06 820,675.51 0.00 24,640.73 5,498.53 19,142.20 801,533.31
Apr-01-06 801,533.31 0.00 24,512.47 5,370.27 19,142.20 782,391.11
May-01-06 782,391.11 0.00 787,633.13 5,242.02 782,391.11 0.00
------------- ------------- ------------- -------------
0.00 886,452.54 27,492.63 858,959.91
T O T A L 1,789,992.18 2,225,273.27 435,281.09 1,789,992.18
============= ============= ============= =============
SuperTRUMP 8.01 financial model Page 1 Ivory Consulting Corporation
A M O R T I Z A T I O N S C H E D U L E
- - - - A g g r e g a t e O f L e n d i n g L o a n s - - - -
Prepared Oct-17-2002 14:04 by .............................. Xxxx Xxxxxxxx
Parameter filename .................................. ply4074566002berns24
Parameter path ................................... k:\saf group\plymouth6\
Comment ........................................ plymouth0000000000berns36
Aggregate average life (lending) ............................. 4.117 years
Rate ......................................................... 8.75000000%
starting debt remaining
date balance takedowns service interest principal balance
Mar-01-02 0.00 430,958.91 0.00 0.00 0.00 430,958.91
Apr-01-02 430,958.91 0.00 3,142.41 3,142.41 0.00 430,958.91
May-01-02 430,958.91 0.00 3,142.41 3,142.41 0.00 430,958.91
Jun-01-02 430,958.91 0.00 5,333.50 3,142.41 2,191.09 428,767.82
Jul-01-02 428,767.82 0.00 5,317.52 3,126.43 2,191.09 426,576.73
Aug-01-02 426,576.73 0.00 5,301.55 3,110.45 2,191.10 424,385.63
Sep-01-02 424,385.63 0.00 5,285.57 3,094.48 2,191.09 422,194.54
Oct-01-02 422,194.54 0.00 5,269.59 3,078.50 2,191.09 420,003.45
Nov-01-02 420,003.45 0.00 5,253.62 3,062.53 2,191.09 417,812.36
Dec-01-02 417,812.36 0.00 5,237.64 3,046.55 2,191.09 415,621.27
------------- ------------- ------------- -------------
430,958.91 43,283.81 27,946.17 15,337.64
Jan-01-03 415,621.27 0.00 5,221.66 3,030.57 2,191.09 413,430.18
Feb-01-03 413,430.18 0.00 5,205.69 3,014.59 2,191.10 411,239.08
Mar-01-03 411,239.08 0.00 5,189.71 2,998.62 2,191.09 409,047.99
Apr-01-03 409,047.99 0.00 5,173.73 2,982.64 2,191.09 406,856.90
May-01-03 406,856.90 0.00 5,157.76 2,966.67 2,191.09 404,665.81
Jun-01-03 404,665.81 0.00 7,276.11 2,950.69 4,325.42 400,340.39
Jul-01-03 400,340.39 0.00 7,244.57 2,919.15 4,325.42 396,014.97
Aug-01-03 396,014.97 0.00 7,213.03 2,887.61 4,325.42 391,689.55
Sep-01-03 391,689.55 0.00 7,181.49 2,856.07 4,325.42 387,364.13
Oct-01-03 387,364.13 0.00 7,149.95 2,824.53 4,325.42 383,038.71
Nov-01-03 383,038.71 0.00 7,118.41 2,792.99 4,325.42 378,713.29
Dec-01-03 378,713.29 0.00 7,086.87 2,761.45 4,325.42 374,387.87
------------- ------------- ------------- -------------
0.00 76,218.98 34,985.58 41,233.40
Jan-01-04 374,387.87 0.00 7,055.33 2,729.91 4,325.42 370,062.45
Feb-01-04 370,062.45 0.00 7,023.79 2,698.37 4,325.42 365,737.03
Mar-01-04 365,737.03 0.00 6,992.25 2,666.83 4,325.42 361,411.61
Apr-01-04 361,411.61 0.00 6,960.71 2,635.30 4,325.41 357,086.20
May-01-04 357,086.20 0.00 6,929.17 2,603.75 4,325.42 352,760.78
Jun-01-04 352,760.78 0.00 7,094.66 2,572.22 4,522.44 348,238.34
Jul-01-04 348,238.34 0.00 7,061.69 2,539.23 4,522.46 343,715.88
Aug-01-04 343,715.88 0.00 7,028.71 2,506.27 4,522.44 339,193.44
Sep-01-04 339,193.44 0.00 6,995.74 2,473.28 4,522.46 334,670.98
Oct-01-04 334,670.98 0.00 6,962.76 2,440.31 4,522.45 330,148.53
Nov-01-04 330,148.53 0.00 6,929.78 2,407.33 4,522.45 325,626.08
Dec-01-04 325,626.08 0.00 6,896.81 2,374.36 4,522.45 321,103.63
------------- ------------- ------------- -------------
0.00 83,931.40 30,647.16 53,284.24
Jan-01-05 321,103.63 0.00 6,863.83 2,341.38 4,522.45 316,581.18
Feb-01-05 316,581.18 0.00 6,830.85 2,308.41 4,522.44 312,058.74
Mar-01-05 312,058.74 0.00 6,797.88 2,275.42 4,522.46 307,536.28
Apr-01-05 307,536.28 0.00 6,764.90 2,242.46 4,522.44 303,013.84
May-01-05 303,013.84 0.00 6,731.93 2,209.47 4,522.46 298,491.38
Jun-01-05 298,491.38 0.00 6,788.70 2,176.50 4,612.20 293,879.18
Jul-01-05 293,879.18 0.00 6,755.07 2,142.87 4,612.20 289,266.98
Aug-01-05 289,266.98 0.00 6,721.44 2,109.24 4,612.20 284,654.78
Sep-01-05 284,654.78 0.00 6,687.81 2,075.61 4,612.20 280,042.58
Oct-01-05 280,042.58 0.00 6,654.18 2,041.97 4,612.21 275,430.37
Nov-01-05 275,430.37 0.00 6,620.55 2,008.35 4,612.20 270,818.17
Dec-01-05 270,818.17 0.00 6,586.92 1,974.72 4,612.20 266,205.97
------------- ------------- ------------- -------------
0.00 80,804.06 25,906.40 54,897.66
Jan-01-06 266,205.97 0.00 6,553.29 1,941.08 4,612.21 261,593.76
Feb-01-06 261,593.76 0.00 6,519.65 1,907.46 4,612.19 256,981.57
Mar-01-06 256,981.57 0.00 6,486.02 1,873.82 4,612.20 252,369.37
Apr-01-06 252,369.37 0.00 6,452.39 1,840.19 4,612.20 247,757.17
May-01-06 247,757.17 0.00 6,418.76 1,806.57 4,612.19 243,144.98
Jun-01-06 243,144.98 0.00 9,165.59 1,772.93 7,392.66 235,752.32
Jul-01-06 235,752.32 0.00 9,111.69 1,719.03 7,392.66 228,359.66
Aug-01-06 228,359.66 0.00 9,057.78 1,665.12 7,392.66 220,967.00
Sep-01-06 220,967.00 0.00 9,003.88 1,611.22 7,392.66 213,574.34
Oct-01-06 213,574.34 0.00 8,949.97 1,557.31 7,392.66 206,181.68
Nov-01-06 206,181.68 0.00 8,896.07 1,503.41 7,392.66 198,789.02
Dec-01-06 198,789.02 0.00 8,842.16 1,449.50 7,392.66 191,396.36
------------- ------------- ------------- -------------
0.00 95,457.25 20,647.64 74,809.61
Jan-01-07 191,396.36 0.00 8,788.26 1,395.60 7,392.66 184,003.70
Feb-01-07 184,003.70 0.00 8,734.35 1,341.69 7,392.66 176,611.04
Mar-01-07 176,611.04 0.00 8,680.45 1,287.79 7,392.66 169,218.38
Apr-01-07 169,218.38 0.00 8,626.54 1,233.89 7,392.65 161,825.73
May-01-07 161,825.73 0.00 8,572.64 1,179.98 7,392.66 154,433.07
Jun-01-07 154,433.07 0.00 2,738.38 1,126.07 1,612.31 152,820.76
Jul-01-07 152,820.76 0.00 2,726.63 1,114.32 1,612.31 151,208.45
Aug-01-07 151,208.45 0.00 2,714.87 1,102.56 1,612.31 149,596.14
Sep-01-07 149,596.14 0.00 2,703.12 1,090.81 1,612.31 147,983.83
Oct-01-07 147,983.83 0.00 2,691.36 1,079.04 1,612.32 146,371.51
Nov-01-07 146,371.51 0.00 2,679.60 1,067.30 1,612.30 144,759.21
Dec-01-07 144,759.21 0.00 2,667.85 1,055.53 1,612.32 143,146.89
------------- ------------- ------------- -------------
0.00 62,324.05 14,074.58 48,249.47
Jan-01-08 143,146.89 0.00 144,190.67 1,043.78 143,146.89 0.00
------------- ------------- ------------- -------------
0.00 144,190.67 1,043.78 143,146.89
T O T A L 430,958.91 586,210.22 155,251.31 430,958.91
============= ============= ============= =============
SuperTRUMP 8.01 financial model Page 1 Ivory Consulting Corporation
A M O R T I Z A T I O N S C H E D U L E
- - - - A g g r e g a t e O f L e n d i n g L o a n s - - - -
Prepared Oct-17-2002 14:08 by .............................. Xxxx Xxxxxxxx
Parameter filename .................................. ply0000000000berns24
Parameter path ................................... k:\saf group\plymouth6\
Comment ........................................ plymouth0000000000berns36
Aggregate average life (lending) ............................. 4.432 years
Rate ......................................................... 8.98050000%
starting debt remaining
date balance takedowns service interest principal balance
Apr-24-02 0.00 999,226.07 0.00 0.00 0.00 999,226.07
May-24-02 999,226.07 0.00 7,477.96 7,477.96 0.00 999,226.07
Jun-24-02 999,226.07 0.00 11,659.06 7,477.96 4,181.10 995,044.97
Jul-24-02 995,044.97 0.00 11,627.77 7,446.66 4,181.11 990,863.86
Aug-24-02 990,863.86 0.00 11,596.48 7,415.38 4,181.10 986,682.76
Sep-24-02 986,682.76 0.00 11,565.19 7,384.09 4,181.10 982,501.66
Oct-24-02 982,501.66 0.00 11,533.90 7,352.80 4,181.10 978,320.56
Nov-24-02 978,320.56 0.00 11,502.61 7,321.50 4,181.11 974,139.45
Dec-24-02 974,139.45 0.00 11,471.32 7,290.22 4,181.10 969,958.35
------------- ------------- ------------- -------------
999,226.07 88,434.29 59,166.57 29,267.72
Jan-24-03 969,958.35 0.00 11,440.03 7,258.92 4,181.11 965,777.24
Feb-24-03 965,777.24 0.00 11,408.74 7,227.64 4,181.10 961,596.14
Mar-24-03 961,596.14 0.00 11,377.45 7,196.35 4,181.10 957,415.04
Apr-24-03 957,415.04 0.00 11,346.16 7,165.05 4,181.11 953,233.93
May-24-03 953,233.93 0.00 11,314.86 7,133.77 4,181.09 949,052.84
Jun-24-03 949,052.84 0.00 15,368.13 7,102.47 8,265.66 940,787.18
Jul-24-03 940,787.18 0.00 15,306.28 7,040.62 8,265.66 932,521.52
Aug-24-03 932,521.52 0.00 15,244.42 6,978.75 8,265.67 924,255.85
Sep-24-03 924,255.85 0.00 15,182.56 6,916.90 8,265.66 915,990.19
Oct-24-03 915,990.19 0.00 15,120.70 6,855.05 8,265.65 907,724.54
Nov-24-03 907,724.54 0.00 15,058.84 6,793.18 8,265.66 899,458.88
Dec-24-03 899,458.88 0.00 14,996.99 6,731.33 8,265.66 891,193.22
------------- ------------- ------------- -------------
0.00 163,165.16 84,400.03 78,765.13
Jan-24-04 891,193.22 0.00 14,935.13 6,669.46 8,265.67 882,927.55
Feb-24-04 882,927.55 0.00 14,873.27 6,607.61 8,265.66 874,661.89
Mar-24-04 874,661.89 0.00 14,811.41 6,545.75 8,265.66 866,396.23
Apr-24-04 866,396.23 0.00 14,749.55 6,483.90 8,265.65 858,130.58
May-24-04 858,130.58 0.00 14,687.69 6,422.03 8,265.66 849,864.92
Jun-24-04 849,864.92 0.00 16,643.37 6,360.18 10,283.19 839,581.73
Jul-24-04 839,581.73 0.00 16,566.41 6,283.22 10,283.19 829,298.54
Aug-24-04 829,298.54 0.00 16,489.45 6,206.26 10,283.19 819,015.35
Sep-24-04 819,015.35 0.00 16,412.50 6,129.31 10,283.19 808,732.16
Oct-24-04 808,732.16 0.00 16,335.54 6,052.35 10,283.19 798,448.97
Nov-24-04 798,448.97 0.00 16,258.58 5,975.39 10,283.19 788,165.78
Dec-24-04 788,165.78 0.00 16,181.63 5,898.44 10,283.19 777,882.59
------------- ------------- ------------- -------------
0.00 188,944.53 75,633.90 113,310.63
Jan-24-05 777,882.59 0.00 16,104.67 5,821.47 10,283.20 767,599.39
Feb-24-05 767,599.39 0.00 16,027.71 5,744.53 10,283.18 757,316.21
Mar-24-05 757,316.21 0.00 15,950.76 5,667.56 10,283.20 747,033.01
Apr-24-05 747,033.01 0.00 15,873.80 5,590.61 10,283.19 736,749.82
May-24-05 736,749.82 0.00 15,796.84 5,513.65 10,283.19 726,466.63
Jun-24-05 726,466.63 0.00 15,924.09 5,436.70 10,487.39 715,979.24
Jul-24-05 715,979.24 0.00 15,845.61 5,358.21 10,487.40 705,491.84
Aug-24-05 705,491.84 0.00 15,767.12 5,279.72 10,487.40 695,004.44
Sep-24-05 695,004.44 0.00 15,688.64 5,201.24 10,487.40 684,517.04
Oct-24-05 684,517.04 0.00 15,610.15 5,122.76 10,487.39 674,029.65
Nov-24-05 674,029.65 0.00 15,531.67 5,044.27 10,487.40 663,542.25
Dec-24-05 663,542.25 0.00 15,453.18 4,965.78 10,487.40 653,054.85
------------- ------------- ------------- -------------
0.00 189,574.24 64,746.50 124,827.74
Jan-24-06 653,054.85 0.00 15,374.70 4,887.30 10,487.40 642,567.45
Feb-24-06 642,567.45 0.00 15,296.21 4,808.81 10,487.40 632,080.05
Mar-24-06 632,080.05 0.00 15,217.73 4,730.33 10,487.40 621,592.65
Apr-24-06 621,592.65 0.00 15,139.24 4,651.85 10,487.39 611,105.26
May-24-06 611,105.26 0.00 15,060.76 4,573.36 10,487.40 600,617.86
Jun-24-06 600,617.86 0.00 21,304.22 4,494.87 16,809.35 583,808.51
Jul-24-06 583,808.51 0.00 21,178.43 4,369.08 16,809.35 566,999.16
Aug-24-06 566,999.16 0.00 21,052.63 4,243.28 16,809.35 550,189.81
Sep-24-06 550,189.81 0.00 20,926.83 4,117.48 16,809.35 533,380.46
Oct-24-06 533,380.46 0.00 20,801.04 3,991.69 16,809.35 516,571.11
Nov-24-06 516,571.11 0.00 20,675.24 3,865.89 16,809.35 499,761.76
Dec-24-06 499,761.76 0.00 20,549.44 3,740.09 16,809.35 482,952.41
------------- ------------- ------------- -------------
0.00 222,576.47 52,474.03 170,102.44
Jan-24-07 482,952.41 0.00 20,423.65 3,614.29 16,809.36 466,143.05
Feb-24-07 466,143.05 0.00 20,297.85 3,488.50 16,809.35 449,333.70
Mar-24-07 449,333.70 0.00 20,172.05 3,362.70 16,809.35 432,524.35
Apr-24-07 432,524.35 0.00 20,046.25 3,236.91 16,809.34 415,715.01
May-24-07 415,715.01 0.00 19,920.46 3,111.10 16,809.36 398,905.65
Jun-24-07 398,905.65 0.00 6,651.36 2,985.31 3,666.05 395,239.60
Jul-24-07 395,239.60 0.00 6,623.92 2,957.88 3,666.04 391,573.56
Aug-24-07 391,573.56 0.00 6,596.49 2,930.44 3,666.05 387,907.51
Sep-24-07 387,907.51 0.00 6,569.05 2,903.00 3,666.05 384,241.46
Oct-24-07 384,241.46 0.00 6,541.62 2,875.57 3,666.05 380,575.41
Nov-24-07 380,575.41 0.00 6,514.18 2,848.13 3,666.05 376,909.36
Dec-24-07 376,909.36 0.00 6,486.75 2,820.69 3,666.06 373,243.30
------------- ------------- ------------- -------------
0.00 146,843.63 37,134.52 109,709.11
Jan-24-08 373,243.30 0.00 6,459.31 2,793.26 3,666.05 369,577.25
Feb-24-08 369,577.25 0.00 6,431.87 2,765.83 3,666.04 365,911.21
Mar-24-08 365,911.21 0.00 6,404.44 2,738.39 3,666.05 362,245.16
Apr-24-08 362,245.16 0.00 6,377.00 2,710.95 3,666.05 358,579.11
May-24-08 358,579.11 0.00 6,349.57 2,683.52 3,666.05 354,913.06
Jun-24-08 354,913.06 0.00 6,322.13 2,656.08 3,666.05 351,247.01
Jul-24-08 351,247.01 0.00 6,294.69 2,628.64 3,666.05 347,580.96
Aug-24-08 347,580.96 0.00 6,267.26 2,601.21 3,666.05 343,914.91
Sep-24-08 343,914.91 0.00 346,488.68 2,573.77 343,914.91 0.00
------------- ------------- ------------- -------------
0.00 397,394.95 24,151.65 373,243.30
T O T A L 999,226.07 1,396,933.27 397,707.20 999,226.07
============= ============= ============= =============
SuperTRUMP 8.01 financial model Page 1 Ivory Consulting Corporation
A M O R T I Z A T I O N S C H E D U L E
- - - - A g g r e g a t e O f L e n d i n g L o a n s - - - -
Prepared Oct-17-2002 14:06 by .............................. Xxxx Xxxxxxxx
Parameter filename .................................. ply4105137001berns24
Parameter path ................................... k:\saf group\plymouth6\
Comment ........................................ plymouth0000000000berns36
Aggregate average life (lending) ............................. 4.309 years
Rate ......................................................... 9.56000000%
starting debt remaining
date balance takedowns service interest principal balance
Apr-05-02 0.00 1,291,525.78 0.00 0.00 0.00 1,291,525.78
May-05-02 1,291,525.78 0.00 10,289.16 10,289.16 0.00 1,291,525.78
Jun-05-02 1,291,525.78 0.00 15,892.95 10,289.15 5,603.80 1,285,921.98
Jul-05-02 1,285,921.98 0.00 15,848.30 10,244.51 5,603.79 1,280,318.19
Aug-05-02 1,280,318.19 0.00 15,803.66 10,199.87 5,603.79 1,274,714.40
Sep-05-02 1,274,714.40 0.00 15,759.01 10,155.23 5,603.78 1,269,110.62
Oct-05-02 1,269,110.62 0.00 15,714.37 10,110.58 5,603.79 1,263,506.83
Nov-05-02 1,263,506.83 0.00 15,669.73 10,065.93 5,603.80 1,257,903.03
Dec-05-02 1,257,903.03 0.00 15,625.08 10,021.30 5,603.78 1,252,299.25
------------- ------------- ------------- -------------
1,291,525.78 120,602.26 81,375.73 39,226.53
Jan-05-03 1,252,299.25 0.00 15,580.44 9,976.65 5,603.79 1,246,695.46
Feb-05-03 1,246,695.46 0.00 15,535.80 9,932.01 5,603.79 1,241,091.67
Mar-05-03 1,241,091.67 0.00 15,491.15 9,887.36 5,603.79 1,235,487.88
Apr-05-03 1,235,487.88 0.00 15,446.51 9,842.72 5,603.79 1,229,884.09
May-05-03 1,229,884.09 0.00 15,401.87 9,798.08 5,603.79 1,224,280.30
Jun-05-03 1,224,280.30 0.00 20,895.50 9,753.43 11,142.07 1,213,138.23
Jul-05-03 1,213,138.23 0.00 20,806.74 9,664.67 11,142.07 1,201,996.16
Aug-05-03 1,201,996.16 0.00 20,717.97 9,575.90 11,142.07 1,190,854.09
Sep-05-03 1,190,854.09 0.00 20,629.21 9,487.14 11,142.07 1,179,712.02
Oct-05-03 1,179,712.02 0.00 20,540.44 9,398.37 11,142.07 1,168,569.95
Nov-05-03 1,168,569.95 0.00 20,451.68 9,309.61 11,142.07 1,157,427.88
Dec-05-03 1,157,427.88 0.00 20,362.91 9,220.84 11,142.07 1,146,285.81
------------- ------------- ------------- -------------
0.00 221,860.22 115,846.78 106,013.44
Jan-05-04 1,146,285.81 0.00 20,274.15 9,132.08 11,142.07 1,135,143.74
Feb-05-04 1,135,143.74 0.00 20,185.38 9,043.31 11,142.07 1,124,001.67
Mar-05-04 1,124,001.67 0.00 20,096.62 8,954.55 11,142.07 1,112,859.60
Apr-05-04 1,112,859.60 0.00 20,007.85 8,865.78 11,142.07 1,101,717.53
May-05-04 1,101,717.53 0.00 19,919.09 8,777.01 11,142.08 1,090,575.45
Jun-05-04 1,090,575.45 0.00 22,059.30 8,688.25 13,371.05 1,077,204.40
Jul-05-04 1,077,204.40 0.00 21,952.78 8,581.73 13,371.05 1,063,833.35
Aug-05-04 1,063,833.35 0.00 21,846.26 8,475.21 13,371.05 1,050,462.30
Sep-05-04 1,050,462.30 0.00 21,739.73 8,368.68 13,371.05 1,037,091.25
Oct-05-04 1,037,091.25 0.00 21,633.21 8,262.16 13,371.05 1,023,720.20
Nov-05-04 1,023,720.20 0.00 21,526.69 8,155.64 13,371.05 1,010,349.15
Dec-05-04 1,010,349.15 0.00 21,420.16 8,049.11 13,371.05 996,978.10
------------- ------------- ------------- -------------
0.00 252,661.22 103,353.51 149,307.71
Jan-05-05 996,978.10 0.00 21,313.64 7,942.60 13,371.04 983,607.06
Feb-05-05 983,607.06 0.00 21,207.12 7,836.07 13,371.05 970,236.01
Mar-05-05 970,236.01 0.00 21,100.60 7,729.54 13,371.06 956,864.95
Apr-05-05 956,864.95 0.00 20,994.07 7,623.03 13,371.04 943,493.91
May-05-05 943,493.91 0.00 20,887.55 7,516.50 13,371.05 930,122.86
Jun-05-05 930,122.86 0.00 21,046.68 7,409.98 13,636.70 916,486.16
Jul-05-05 916,486.16 0.00 20,938.04 7,301.34 13,636.70 902,849.46
Aug-05-05 902,849.46 0.00 20,829.40 7,192.70 13,636.70 889,212.76
Sep-05-05 889,212.76 0.00 20,720.76 7,084.06 13,636.70 875,576.06
Oct-05-05 875,576.06 0.00 20,612.12 6,975.42 13,636.70 861,939.36
Nov-05-05 861,939.36 0.00 20,503.48 6,866.79 13,636.69 848,302.67
Dec-05-05 848,302.67 0.00 20,394.84 6,758.14 13,636.70 834,665.97
------------- ------------- ------------- -------------
0.00 250,548.30 88,236.17 162,312.13
Jan-05-06 834,665.97 0.00 20,286.21 6,649.51 13,636.70 821,029.27
Feb-05-06 821,029.27 0.00 20,177.57 6,540.86 13,636.71 807,392.56
Mar-05-06 807,392.56 0.00 20,068.93 6,432.23 13,636.70 793,755.86
Apr-05-06 793,755.86 0.00 19,960.29 6,323.59 13,636.70 780,119.16
May-05-06 780,119.16 0.00 19,851.65 6,214.95 13,636.70 766,482.46
Jun-05-06 766,482.46 0.00 27,963.40 6,106.31 21,857.09 744,625.37
Jul-05-06 744,625.37 0.00 27,789.27 5,932.18 21,857.09 722,768.28
Aug-05-06 722,768.28 0.00 27,615.14 5,758.05 21,857.09 700,911.19
Sep-05-06 700,911.19 0.00 27,441.02 5,583.93 21,857.09 679,054.10
Oct-05-06 679,054.10 0.00 27,266.89 5,409.80 21,857.09 657,197.01
Nov-05-06 657,197.01 0.00 27,092.76 5,235.67 21,857.09 635,339.92
Dec-05-06 635,339.92 0.00 26,918.63 5,061.54 21,857.09 613,482.83
------------- ------------- ------------- -------------
0.00 292,431.76 71,248.62 221,183.14
Jan-05-07 613,482.83 0.00 26,744.50 4,887.41 21,857.09 591,625.74
Feb-05-07 591,625.74 0.00 26,570.38 4,713.29 21,857.09 569,768.65
Mar-05-07 569,768.65 0.00 26,396.25 4,539.15 21,857.10 547,911.55
Apr-05-07 547,911.55 0.00 26,222.12 4,365.03 21,857.09 526,054.46
May-05-07 526,054.46 0.00 26,047.99 4,190.90 21,857.09 504,197.37
Jun-05-07 504,197.37 0.00 8,783.71 4,016.78 4,766.93 499,430.44
Jul-05-07 499,430.44 0.00 8,745.74 3,978.79 4,766.95 494,663.49
Aug-05-07 494,663.49 0.00 8,707.76 3,940.82 4,766.94 489,896.55
Sep-05-07 489,896.55 0.00 8,669.78 3,902.84 4,766.94 485,129.61
Oct-05-07 485,129.61 0.00 8,631.81 3,864.87 4,766.94 480,362.67
Nov-05-07 480,362.67 0.00 8,593.83 3,826.89 4,766.94 475,595.73
Dec-05-07 475,595.73 0.00 8,555.85 3,788.91 4,766.94 470,828.79
------------- ------------- ------------- -------------
0.00 192,669.72 50,015.68 142,654.04
Jan-05-08 470,828.79 0.00 8,517.88 3,750.94 4,766.94 466,061.85
Feb-05-08 466,061.85 0.00 8,479.90 3,712.96 4,766.94 461,294.91
Mar-05-08 461,294.91 0.00 8,441.92 3,674.98 4,766.94 456,527.97
Apr-05-08 456,527.97 0.00 8,403.95 3,637.01 4,766.94 451,761.03
May-05-08 451,761.03 0.00 8,365.97 3,599.03 4,766.94 446,994.09
Jun-05-08 446,994.09 0.00 450,555.14 3,561.05 446,994.09 0.00
------------- ------------- ------------- -------------
0.00 492,764.76 21,935.97 470,828.79
T O T A L 1,291,525.78 1,823,538.24 532,012.46 1,291,525.78
============= ============= ============= =============
SuperTRUMP 8.01 financial model Page 1 Ivory Consulting Corporation
