Blank Finance Budgets And Net Worth

Monthly Budget Total Projected Cost

$0 Projected Cost

Housing

Total Actual Cost

$0

Total Difference

$0

Actual Cost Difference

Mortgage Phone Energy Water, sewer & trash

$0 $0 $0 $0 $0

Cable

$0 $0

Maintenance or repairs

$0

Supplies Other $0

$0 $0 $0

$0

$0 $0 $0 $0 $0 $0 $0

$0

$0 $0 $0 $0 $0

$0

$0 $0 $0 $0

Subtotals

$0

Transportation Vehicle payment Insurance Licensing Fuel Maintenance Other Subtotals

$0

Insurance Home Health - Major Medical Life Other Subtotals

$0

Food Groceries Dining out Other Subtotals

Entertainment TiVo Movies Sporting events

$0

Other Subtotals

$0

$0

$0

$0

$0 $0 $0 $0 $0 $0

Personal Care Medical Hair/nails Clothing Dry cleaning Other Subtotals

$0

Projected Monthly Income Income 1 Income 2 Total monthly income

$0

Actual Monthly Income Income 1 Income 2 Total monthly income

$0

Projected balance (Projected income minus expenses)

$0

Actual balance (Actual income minus expenses)

$0

Difference (Actual minus projected)

$0

Projected Cost Actual Cost Difference

Loans Car Loan Personal Loan Credit Card # 1 Credit Card # 2

$0

$0 $0 $0 $0 $0 $0 $0

$0

$0 $0 $0 $0 $0

$0

$0 $0 $0 $0

Other Subtotals

$0

Subtotals

$0 $0 $0 $0 $0

Subtotals

$0 $0 $0 $0

Taxes Federal State Local Other

Savings or Investments Bank Investment account Other

Gifts and Donations Charity 1 Charity 2

$0 $0

$0 $0

Charity 3 Subtotals

$0 $0

$0

$0 $0

Monthly Budget Income Paychecks Interest

Fixed Expenses Apartment Con Ed RCN Credit Card

Variable Expenses Food Entertainment

Totals Income Fixed Exp. Variable Exp.

$0.00 $0.00 $0.00

Total Exp.

$0.00

Disposable Income $0.00

Net Worth Calculator

Age:

27

Income: Net Worth:

$85,000 $4,585

2/9/2008

Assets Personal Items Home Vehicles Jewelry Artwork Furniture Electronics Antiques Other Cash or Cash Equivalent Checking account Savings account Certificates of deposit Money market account (ING) Life insurance (cash value) Other Investments Roth IRA (His) Roth IRA (Hers) Mutual funds Individual stock shares Real estate other than home Other

Assets Total Net Worth: Millionaire Next Door estimate: PAW (or Balance Sheet Affluent) Level:

Liabilities Estimated Value $5,000 1,000 1,000 1,000 -

Loan Balances Mortgage loan Home equity loan Car loans Real estate loans Student loans Personal loans Other Outstanding Debt Credit card debt Other debt

Estimated Value $5,000 665

Annualized $-

$1,250 1,000 $-

$10,250 $4,585 $229,500 $459,000

Liabilities Total Debt-to-Assets Ratio Debt-to-Net Income Debt-to-Gross Income

Income His 1 Hers 1 His 2 Hers 2 Total

$5,665 55.3% 19.7% 15.7%

Net 1,200 1,200

Gross 1,500 1,500

2,400

3,000

28,800

36,000

Mortgage Calculator Inputs Loan principal amount Annual interest rate Loan period in years Original month of loan Original year of loan Monthly Prepay for life of Mortgage

$200,000.00 6.375% 30 January 2006 $0.00

Key Figures Monthly payments Annual loan payments Interest in first calendar year Interest over term of loan Sum of all payments Years to payoff

Amortization Schedule Year

Month

2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2006 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2007 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2008 2009 2009 2009 2009 2009 2009 2009 2009 2009 2009 2009 2009 2010 2010 2010

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar

Monthly Prepay

Beginning Cumulative Payment Principal Interest Balance Principal $200,000.00 $1,247.74 $185.24 $1,062.50 $185.24 199,814.76 1,247.74 186.22 $1,061.52 371.46 199,628.54 1,247.74 187.21 $1,060.53 558.68 199,441.32 1,247.74 188.21 $1,059.53 746.88 199,253.12 1,247.74 189.21 $1,058.53 936.09 199,063.91 1,247.74 190.21 $1,057.53 1,126.31 198,873.69 1,247.74 191.22 $1,056.52 1,317.53 198,682.47 1,247.74 192.24 $1,055.50 1,509.77 198,490.23 1,247.74 193.26 $1,054.48 1,703.03 198,296.97 1,247.74 194.29 $1,053.45 1,897.32 198,102.68 1,247.74 195.32 $1,052.42 2,092.63 197,907.37 1,247.74 196.36 $1,051.38 2,288.99 197,711.01 1,247.74 197.40 $1,050.34 2,486.39 197,513.61 1,247.74 198.45 $1,049.29 2,684.84 197,315.16 1,247.74 199.50 $1,048.24 2,884.34 197,115.66 1,247.74 200.56 $1,047.18 3,084.91 196,915.09 1,247.74 201.63 $1,046.11 3,286.53 196,713.47 1,247.74 202.70 $1,045.04 3,489.23 196,510.77 1,247.74 203.78 $1,043.96 3,693.01 196,306.99 1,247.74 204.86 $1,042.88 3,897.87 196,102.13 1,247.74 205.95 $1,041.79 4,103.82 195,896.18 1,247.74 207.04 $1,040.70 4,310.86 195,689.14 1,247.74 208.14 $1,039.60 4,519.00 195,481.00 1,247.74 209.25 $1,038.49 4,728.25 195,271.75 1,247.74 210.36 $1,037.38 4,938.60 195,061.40 1,247.74 211.48 $1,036.26 5,150.08 194,849.92 1,247.74 212.60 $1,035.14 5,362.68 194,637.32 1,247.74 213.73 $1,034.01 5,576.41 194,423.59 1,247.74 214.86 $1,032.88 5,791.27 194,208.73 1,247.74 216.01 $1,031.73 6,007.28 193,992.72 1,247.74 217.15 $1,030.59 6,224.43 193,775.57 1,247.74 218.31 $1,029.43 6,442.74 193,557.26 1,247.74 219.47 $1,028.27 6,662.21 193,337.79 1,247.74 220.63 $1,027.11 6,882.84 193,117.16 1,247.74 221.80 $1,025.93 7,104.64 192,895.36 1,247.74 222.98 $1,024.76 7,327.63 192,672.37 1,247.74 224.17 $1,023.57 7,551.80 192,448.20 1,247.74 225.36 $1,022.38 7,777.15 192,222.85 1,247.74 226.56 $1,021.18 8,003.71 191,996.29 1,247.74 227.76 $1,019.98 8,231.47 191,768.53 1,247.74 228.97 $1,018.77 8,460.44 191,539.56 1,247.74 230.19 $1,017.55 8,690.63 191,309.37 1,247.74 231.41 $1,016.33 8,922.03 191,077.97 1,247.74 232.64 $1,015.10 9,154.67 190,845.33 1,247.74 233.87 $1,013.87 9,388.55 190,611.45 1,247.74 235.12 $1,012.62 9,623.66 190,376.34 1,247.74 236.37 $1,011.37 9,860.03 190,139.97 1,247.74 237.62 $1,010.12 10,097.65 189,902.35 1,247.74 238.88 $1,008.86 10,336.53 189,663.47 1,247.74 240.15 $1,007.59 10,576.69 189,423.31 1,247.74 241.43 $1,006.31 10,818.11

2010 2010 2010 2010 2010 2010 2010 2010 2010 2011 2011 2011 2011 2011 2011 2011 2011 2011 2011 2011 2011 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 2012 2013 2013 2013 2013 2013 2013 2013 2013 2013 2013 2013 2013 2014 2014 2014 2014 2014 2014 2014 2014 2014 2014 2014 2014 2015 2015 2015 2015 2015 2015

Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun

189,181.89 188,939.18 188,695.17 188,449.88 188,203.28 187,955.37 187,706.14 187,455.59 187,203.71 186,950.49 186,695.92 186,440.01 186,182.73 185,924.08 185,664.07 185,402.67 185,139.88 184,875.69 184,610.11 184,343.11 184,074.69 183,804.85 183,533.57 183,260.85 182,986.69 182,711.06 182,433.98 182,155.42 181,875.38 181,593.85 181,310.83 181,026.30 180,740.27 180,452.71 180,163.62 179,873.00 179,580.84 179,287.12 178,991.84 178,695.00 178,396.58 178,096.57 177,794.97 177,491.76 177,186.95 176,880.51 176,572.45 176,262.75 175,951.41 175,638.41 175,323.75 175,007.42 174,689.41 174,369.70 174,048.30 173,725.19 173,400.37 173,073.82 172,745.53 172,415.50 172,083.72 171,750.18 171,414.86

1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74

242.71 244.00 245.30 246.60 247.91 249.23 250.55 251.88 253.22 254.57 255.92 257.28 258.64 260.02 261.40 262.79 264.18 265.59 267.00 268.42 269.84 271.28 272.72 274.17 275.62 277.09 278.56 280.04 281.53 283.02 284.53 286.04 287.56 289.08 290.62 292.16 293.72 295.28 296.85 298.42 300.01 301.60 303.20 304.81 306.43 308.06 309.70 311.34 313.00 314.66 316.33 318.01 319.70 321.40 323.11 324.82 326.55 328.29 330.03 331.78 333.55 335.32 337.10

$1,005.03 $1,003.74 $1,002.44 $1,001.14 $999.83 $998.51 $997.19 $995.86 $994.52 $993.17 $991.82 $990.46 $989.10 $987.72 $986.34 $984.95 $983.56 $982.15 $980.74 $979.32 $977.90 $976.46 $975.02 $973.57 $972.12 $970.65 $969.18 $967.70 $966.21 $964.72 $963.21 $961.70 $960.18 $958.66 $957.12 $955.58 $954.02 $952.46 $950.89 $949.32 $947.73 $946.14 $944.54 $942.92 $941.31 $939.68 $938.04 $936.40 $934.74 $933.08 $931.41 $929.73 $928.04 $926.34 $924.63 $922.92 $921.19 $919.45 $917.71 $915.96 $914.19 $912.42 $910.64

11,060.82 11,304.83 11,550.12 11,796.72 12,044.63 12,293.86 12,544.41 12,796.29 13,049.51 13,304.08 13,559.99 13,817.27 14,075.92 14,335.93 14,597.33 14,860.12 15,124.31 15,389.89 15,656.89 15,925.31 16,195.15 16,466.43 16,739.15 17,013.31 17,288.94 17,566.02 17,844.58 18,124.62 18,406.15 18,689.17 18,973.70 19,259.73 19,547.29 19,836.38 20,127.00 20,419.16 20,712.88 21,008.16 21,305.00 21,603.42 21,903.43 22,205.03 22,508.24 22,813.05 23,119.49 23,427.55 23,737.25 24,048.59 24,361.59 24,676.25 24,992.58 25,310.59 25,630.30 25,951.70 26,274.81 26,599.63 26,926.18 27,254.47 27,584.50 27,916.28 28,249.82 28,585.14 28,922.24

2015 2015 2015 2015 2015 2015 2016 2016 2016 2016 2016 2016 2016 2016 2016 2016 2016 2016 2017 2017 2017 2017 2017 2017 2017 2017 2017 2017 2017 2017 2018 2018 2018 2018 2018 2018 2018 2018 2018 2018 2018 2018 2019 2019 2019 2019 2019 2019 2019 2019 2019 2019 2019 2019 2020 2020 2020 2020 2020 2020 2020 2020 2020

Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep

171,077.76 170,738.87 170,398.18 170,055.68 169,711.36 169,365.22 169,017.23 168,667.39 168,315.70 167,962.14 167,606.70 167,249.37 166,890.14 166,529.00 166,165.95 165,800.97 165,434.04 165,065.17 164,694.34 164,321.54 163,946.76 163,569.99 163,191.21 162,810.42 162,427.62 162,042.77 161,655.88 161,266.94 160,875.93 160,482.85 160,087.67 159,690.40 159,291.01 158,889.51 158,485.87 158,080.08 157,672.14 157,262.04 156,849.75 156,435.28 156,018.60 155,599.71 155,178.59 154,755.24 154,329.64 153,901.77 153,471.64 153,039.21 152,604.50 152,167.47 151,728.12 151,286.43 150,842.40 150,396.01 149,947.25 149,496.11 149,042.56 148,586.61 148,128.24 147,667.43 147,204.18 146,738.46 146,270.27

1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74

338.89 340.69 342.50 344.32 346.15 347.99 349.84 351.69 353.56 355.44 357.33 359.23 361.14 363.05 364.98 366.92 368.87 370.83 372.80 374.78 376.77 378.77 380.79 382.81 384.84 386.89 388.94 391.01 393.09 395.17 397.27 399.38 401.51 403.64 405.78 407.94 410.11 412.29 414.48 416.68 418.89 421.12 423.35 425.60 427.86 430.14 432.42 434.72 437.03 439.35 441.68 444.03 446.39 448.76 451.15 453.54 455.95 458.37 460.81 463.26 465.72 468.19 470.68

$908.85 $907.05 $905.24 $903.42 $901.59 $899.75 $897.90 $896.05 $894.18 $892.30 $890.41 $888.51 $886.60 $884.69 $882.76 $880.82 $878.87 $876.91 $874.94 $872.96 $870.97 $868.97 $866.95 $864.93 $862.90 $860.85 $858.80 $856.73 $854.65 $852.57 $850.47 $848.36 $846.23 $844.10 $841.96 $839.80 $837.63 $835.45 $833.26 $831.06 $828.85 $826.62 $824.39 $822.14 $819.88 $817.60 $815.32 $813.02 $810.71 $808.39 $806.06 $803.71 $801.35 $798.98 $796.59 $794.20 $791.79 $789.37 $786.93 $784.48 $782.02 $779.55 $777.06

29,261.13 29,601.82 29,944.32 30,288.64 30,634.78 30,982.77 31,332.61 31,684.30 32,037.86 32,393.30 32,750.63 33,109.86 33,471.00 33,834.05 34,199.03 34,565.96 34,934.83 35,305.66 35,678.46 36,053.24 36,430.01 36,808.79 37,189.58 37,572.38 37,957.23 38,344.12 38,733.06 39,124.07 39,517.15 39,912.33 40,309.60 40,708.99 41,110.49 41,514.13 41,919.92 42,327.86 42,737.96 43,150.25 43,564.72 43,981.40 44,400.29 44,821.41 45,244.76 45,670.36 46,098.23 46,528.36 46,960.79 47,395.50 47,832.53 48,271.88 48,713.57 49,157.60 49,603.99 50,052.75 50,503.89 50,957.44 51,413.39 51,871.76 52,332.57 52,795.82 53,261.54 53,729.73 54,200.41

2020 2020 2020 2021 2021 2021 2021 2021 2021 2021 2021 2021 2021 2021 2021 2022 2022 2022 2022 2022 2022 2022 2022 2022 2022 2022 2022 2023 2023 2023 2023 2023 2023 2023 2023 2023 2023 2023 2023 2024 2024 2024 2024 2024 2024 2024 2024 2024 2024 2024 2024 2025 2025 2025 2025 2025 2025 2025 2025 2025 2025 2025 2025

Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

145,799.59 145,326.41 144,850.71 144,372.49 143,891.73 143,408.42 142,922.54 142,434.07 141,943.01 141,449.34 140,953.05 140,454.13 139,952.55 139,448.31 138,941.39 138,431.77 137,919.45 137,404.41 136,886.63 136,366.10 135,842.81 135,316.73 134,787.86 134,256.18 133,721.68 133,184.34 132,644.14 132,101.07 131,555.12 131,006.26 130,454.50 129,899.80 129,342.15 128,781.54 128,217.95 127,651.37 127,081.78 126,509.16 125,933.50 125,354.78 124,772.99 124,188.11 123,600.11 123,009.00 122,414.75 121,817.33 121,216.75 120,612.97 120,005.99 119,395.78 118,782.33 118,165.62 117,545.64 116,922.36 116,295.77 115,665.85 115,032.59 114,395.96 113,755.95 113,112.54 112,465.71 111,815.44 111,161.72

1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74

473.18 475.69 478.22 480.76 483.31 485.88 488.46 491.06 493.67 496.29 498.93 501.58 504.24 506.92 509.61 512.32 515.04 517.78 520.53 523.29 526.07 528.87 531.68 534.50 537.34 540.20 543.07 545.95 548.85 551.77 554.70 557.65 560.61 563.59 566.58 569.59 572.62 575.66 578.72 581.79 584.88 587.99 591.11 594.25 597.41 600.59 603.78 606.98 610.21 613.45 616.71 619.98 623.28 626.59 629.92 633.26 636.63 640.01 643.41 646.83 650.27 653.72 657.19

$774.56 $772.05 $769.52 $766.98 $764.42 $761.86 $759.28 $756.68 $754.07 $751.45 $748.81 $746.16 $743.50 $740.82 $738.13 $735.42 $732.70 $729.96 $727.21 $724.44 $721.66 $718.87 $716.06 $713.24 $710.40 $707.54 $704.67 $701.79 $698.89 $695.97 $693.04 $690.09 $687.13 $684.15 $681.16 $678.15 $675.12 $672.08 $669.02 $665.95 $662.86 $659.75 $656.63 $653.49 $650.33 $647.15 $643.96 $640.76 $637.53 $634.29 $631.03 $627.75 $624.46 $621.15 $617.82 $614.47 $611.11 $607.73 $604.33 $600.91 $597.47 $594.02 $590.55

54,673.59 55,149.29 55,627.51 56,108.27 56,591.58 57,077.46 57,565.93 58,056.99 58,550.66 59,046.95 59,545.87 60,047.45 60,551.69 61,058.61 61,568.23 62,080.55 62,595.59 63,113.37 63,633.90 64,157.19 64,683.27 65,212.14 65,743.82 66,278.32 66,815.66 67,355.86 67,898.93 68,444.88 68,993.74 69,545.50 70,100.20 70,657.85 71,218.46 71,782.05 72,348.63 72,918.22 73,490.84 74,066.50 74,645.22 75,227.01 75,811.89 76,399.89 76,991.00 77,585.25 78,182.67 78,783.25 79,387.03 79,994.01 80,604.22 81,217.67 81,834.38 82,454.36 83,077.64 83,704.23 84,334.15 84,967.41 85,604.04 86,244.05 86,887.46 87,534.29 88,184.56 88,838.28 89,495.47

2026 2026 2026 2026 2026 2026 2026 2026 2026 2026 2026 2026 2027 2027 2027 2027 2027 2027 2027 2027 2027 2027 2027 2027 2028 2028 2028 2028 2028 2028 2028 2028 2028 2028 2028 2028 2029 2029 2029 2029 2029 2029 2029 2029 2029 2029 2029 2029 2030 2030 2030 2030 2030 2030 2030 2030 2030 2030 2030 2030 2031 2031 2031

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar

110,504.53 109,843.84 109,179.65 108,511.92 107,840.65 107,165.82 106,487.40 105,805.37 105,119.72 104,430.43 103,737.48 103,040.84 102,340.51 101,636.45 100,928.66 100,217.10 99,501.76 98,782.63 98,059.67 97,332.87 96,602.21 95,867.67 95,129.23 94,386.86 93,640.55 92,890.28 92,136.02 91,377.75 90,615.46 89,849.11 89,078.70 88,304.19 87,525.56 86,742.80 85,955.88 85,164.78 84,369.48 83,569.96 82,766.18 81,958.14 81,145.80 80,329.15 79,508.16 78,682.80 77,853.07 77,018.92 76,180.34 75,337.31 74,489.80 73,637.79 72,781.25 71,920.16 71,054.50 70,184.23 69,309.35 68,429.81 67,545.61 66,656.70 65,763.08 64,864.70 63,961.56 63,053.61 62,140.85

1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74

660.68 664.19 667.72 671.27 674.84 678.42 682.03 685.65 689.29 692.95 696.63 700.34 704.06 707.80 711.56 715.34 719.14 722.96 726.80 730.66 734.54 738.44 742.37 746.31 750.27 754.26 758.27 762.30 766.35 770.42 774.51 778.62 782.76 786.92 791.10 795.30 799.53 803.77 808.04 812.34 816.65 820.99 825.35 829.74 834.15 838.58 843.03 847.51 852.01 856.54 861.09 865.66 870.26 874.89 879.53 884.21 888.90 893.63 898.37 903.15 907.94 912.77 917.62

$587.06 $583.55 $580.02 $576.47 $572.90 $569.32 $565.71 $562.09 $558.45 $554.79 $551.11 $547.40 $543.68 $539.94 $536.18 $532.40 $528.60 $524.78 $520.94 $517.08 $513.20 $509.30 $505.37 $501.43 $497.47 $493.48 $489.47 $485.44 $481.39 $477.32 $473.23 $469.12 $464.98 $460.82 $456.64 $452.44 $448.21 $443.97 $439.70 $435.40 $431.09 $426.75 $422.39 $418.00 $413.59 $409.16 $404.71 $400.23 $395.73 $391.20 $386.65 $382.08 $377.48 $372.85 $368.21 $363.53 $358.84 $354.11 $349.37 $344.59 $339.80 $334.97 $330.12

90,156.16 90,820.35 91,488.08 92,159.35 92,834.18 93,512.60 94,194.63 94,880.28 95,569.57 96,262.52 96,959.16 97,659.49 98,363.55 99,071.34 99,782.90 100,498.24 101,217.37 101,940.33 102,667.13 103,397.79 104,132.33 104,870.77 105,613.14 106,359.45 107,109.72 107,863.98 108,622.25 109,384.54 110,150.89 110,921.30 111,695.81 112,474.44 113,257.20 114,044.12 114,835.22 115,630.52 116,430.04 117,233.82 118,041.86 118,854.20 119,670.85 120,491.84 121,317.20 122,146.93 122,981.08 123,819.66 124,662.69 125,510.20 126,362.21 127,218.75 128,079.84 128,945.50 129,815.77 130,690.65 131,570.19 132,454.39 133,343.30 134,236.92 135,135.30 136,038.44 136,946.39 137,859.15 138,776.77

2031 2031 2031 2031 2031 2031 2031 2031 2031 2032 2032 2032 2032 2032 2032 2032 2032 2032 2032 2032 2032 2033 2033 2033 2033 2033 2033 2033 2033 2033 2033 2033 2033 2034 2034 2034 2034 2034 2034 2034 2034 2034 2034 2034 2034 2035 2035 2035 2035 2035 2035 2035 2035 2035 2035 2035 2035

Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

61,223.23 60,300.74 59,373.35 58,441.03 57,503.76 56,561.50 55,614.25 54,661.96 53,704.61 52,742.18 51,774.63 50,801.94 49,824.09 48,841.04 47,852.77 46,859.25 45,860.44 44,856.34 43,846.90 42,832.10 41,811.90 40,786.29 39,755.22 38,718.68 37,676.64 36,629.05 35,575.91 34,517.16 33,452.80 32,382.77 31,307.07 30,225.65 29,138.48 28,045.54 26,946.79 25,842.21 24,731.75 23,615.40 22,493.12 21,364.87 20,230.63 19,090.37 17,944.05 16,791.64 15,633.10 14,468.41 13,297.54 12,120.44 10,937.09 9,747.45 8,551.50 7,349.19 6,140.49 4,925.37 3,703.80 2,475.73 1,241.15

1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74 1,247.74

922.49 927.39 932.32 937.27 942.25 947.26 952.29 957.35 962.43 967.55 972.69 977.85 983.05 988.27 993.52 998.80 1,004.11 1,009.44 1,014.80 1,020.19 1,025.61 1,031.06 1,036.54 1,042.05 1,047.58 1,053.15 1,058.74 1,064.37 1,070.02 1,075.71 1,081.42 1,087.17 1,092.94 1,098.75 1,104.58 1,110.45 1,116.35 1,122.28 1,128.25 1,134.24 1,140.26 1,146.32 1,152.41 1,158.53 1,164.69 1,170.88 1,177.10 1,183.35 1,189.64 1,195.96 1,202.31 1,208.70 1,215.12 1,221.57 1,228.06 1,234.59 1,241.15

$325.25 $320.35 $315.42 $310.47 $305.49 $300.48 $295.45 $290.39 $285.31 $280.19 $275.05 $269.89 $264.69 $259.47 $254.22 $248.94 $243.63 $238.30 $232.94 $227.55 $222.13 $216.68 $211.20 $205.69 $200.16 $194.59 $189.00 $183.37 $177.72 $172.03 $166.32 $160.57 $154.80 $148.99 $143.15 $137.29 $131.39 $125.46 $119.49 $113.50 $107.48 $101.42 $95.33 $89.21 $83.05 $76.86 $70.64 $64.39 $58.10 $51.78 $45.43 $39.04 $32.62 $26.17 $19.68 $13.15 $6.59

139,699.26 140,626.65 141,558.97 142,496.24 143,438.50 144,385.75 145,338.04 146,295.39 147,257.82 148,225.37 149,198.06 150,175.91 151,158.96 152,147.23 153,140.75 154,139.56 155,143.66 156,153.10 157,167.90 158,188.10 159,213.71 160,244.78 161,281.32 162,323.36 163,370.95 164,424.09 165,482.84 166,547.20 167,617.23 168,692.93 169,774.35 170,861.52 171,954.46 173,053.21 174,157.79 175,268.25 176,384.60 177,506.88 178,635.13 179,769.37 180,909.63 182,055.95 183,208.36 184,366.90 185,531.59 186,702.46 187,879.56 189,062.91 190,252.55 191,448.50 192,650.81 193,859.51 195,074.63 196,296.20 197,524.27 198,758.85 200,000.00

Key Figures Monthly payments Annual loan payments Interest in first calendar year Interest over term of loan Sum of all payments Years to payoff

$1,247.74 $14,972.88 $12,683.89 $249,186.33 $449,186.33 30.0

Cumulative Ending Interest Balance $1,062.50 $199,814.76 2,124.02 199,628.54 3,184.54 199,441.32 4,244.07 199,253.12 5,302.61 199,063.91 6,360.13 198,873.69 7,416.65 198,682.47 8,472.15 198,490.23 9,526.63 198,296.97 10,580.08 198,102.68 11,632.50 197,907.37 12,683.89 197,711.01 13,734.23 197,513.61 14,783.52 197,315.16 15,831.75 197,115.66 16,878.93 196,915.09 17,925.04 196,713.47 18,970.08 196,510.77 20,014.05 196,306.99 21,056.93 196,102.13 22,098.72 195,896.18 23,139.42 195,689.14 24,179.02 195,481.00 25,217.51 195,271.75 26,254.89 195,061.40 27,291.15 194,849.92 28,326.29 194,637.32 29,360.31 194,423.59 30,393.18 194,208.73 31,424.91 193,992.72 32,455.50 193,775.57 33,484.93 193,557.26 34,513.21 193,337.79 35,540.31 193,117.16 36,566.25 192,895.36 37,591.00 192,672.37 38,614.58 192,448.20 39,636.96 192,222.85 40,658.14 191,996.29 41,678.12 191,768.53 42,696.89 191,539.56 43,714.45 191,309.37 44,730.78 191,077.97 45,745.88 190,845.33 46,759.74 190,611.45 47,772.37 190,376.34 48,783.74 190,139.97 49,793.86 189,902.35 50,802.72 189,663.47 51,810.30 189,423.31 52,816.62 189,181.89

53,821.64 54,825.38 55,827.83 56,828.97 57,828.80 58,827.31 59,824.50 60,820.36 61,814.88 62,808.05 63,799.87 64,790.34 65,779.43 66,767.15 67,753.49 68,738.44 69,722.00 70,704.15 71,684.89 72,664.22 73,642.11 74,618.58 75,593.60 76,567.17 77,539.29 78,509.94 79,479.12 80,446.82 81,413.04 82,377.75 83,340.97 84,302.67 85,262.85 86,221.51 87,178.63 88,134.20 89,088.22 90,040.69 90,991.58 91,940.90 92,888.63 93,834.77 94,779.30 95,722.23 96,663.53 97,603.21 98,541.25 99,477.65 100,412.39 101,345.47 102,276.88 103,206.60 104,134.64 105,060.98 105,985.61 106,908.53 107,829.72 108,749.17 109,666.88 110,582.84 111,497.03 112,409.46 113,320.10

188,939.18 188,695.17 188,449.88 188,203.28 187,955.37 187,706.14 187,455.59 187,203.71 186,950.49 186,695.92 186,440.01 186,182.73 185,924.08 185,664.07 185,402.67 185,139.88 184,875.69 184,610.11 184,343.11 184,074.69 183,804.85 183,533.57 183,260.85 182,986.69 182,711.06 182,433.98 182,155.42 181,875.38 181,593.85 181,310.83 181,026.30 180,740.27 180,452.71 180,163.62 179,873.00 179,580.84 179,287.12 178,991.84 178,695.00 178,396.58 178,096.57 177,794.97 177,491.76 177,186.95 176,880.51 176,572.45 176,262.75 175,951.41 175,638.41 175,323.75 175,007.42 174,689.41 174,369.70 174,048.30 173,725.19 173,400.37 173,073.82 172,745.53 172,415.50 172,083.72 171,750.18 171,414.86 171,077.76

114,228.95 115,136.00 116,041.24 116,944.66 117,846.25 118,746.01 119,643.91 120,539.95 121,434.13 122,326.43 123,216.84 124,105.35 124,991.96 125,876.64 126,759.40 127,640.22 128,519.09 129,395.99 130,270.93 131,143.89 132,014.86 132,883.82 133,750.78 134,615.71 135,478.60 136,339.46 137,198.25 138,054.98 138,909.64 139,762.20 140,612.67 141,461.02 142,307.26 143,151.36 143,993.31 144,833.11 145,670.75 146,506.20 147,339.47 148,170.53 148,999.38 149,826.00 150,650.39 151,472.52 152,292.40 153,110.00 153,925.32 154,738.34 155,549.05 156,357.44 157,163.50 157,967.21 158,768.56 159,567.54 160,364.13 161,158.33 161,950.12 162,739.49 163,526.42 164,310.90 165,092.92 165,872.47 166,649.53

170,738.87 170,398.18 170,055.68 169,711.36 169,365.22 169,017.23 168,667.39 168,315.70 167,962.14 167,606.70 167,249.37 166,890.14 166,529.00 166,165.95 165,800.97 165,434.04 165,065.17 164,694.34 164,321.54 163,946.76 163,569.99 163,191.21 162,810.42 162,427.62 162,042.77 161,655.88 161,266.94 160,875.93 160,482.85 160,087.67 159,690.40 159,291.01 158,889.51 158,485.87 158,080.08 157,672.14 157,262.04 156,849.75 156,435.28 156,018.60 155,599.71 155,178.59 154,755.24 154,329.64 153,901.77 153,471.64 153,039.21 152,604.50 152,167.47 151,728.12 151,286.43 150,842.40 150,396.01 149,947.25 149,496.11 149,042.56 148,586.61 148,128.24 147,667.43 147,204.18 146,738.46 146,270.27 145,799.59

167,424.09 168,196.14 168,965.66 169,732.64 170,497.06 171,258.92 172,018.19 172,774.88 173,528.95 174,280.40 175,029.21 175,775.37 176,518.87 177,259.69 177,997.82 178,733.23 179,465.93 180,195.89 180,923.10 181,647.55 182,369.21 183,088.08 183,804.14 184,517.38 185,227.78 185,935.32 186,639.99 187,341.78 188,040.66 188,736.63 189,429.67 190,119.77 190,806.90 191,491.05 192,172.21 192,850.35 193,525.48 194,197.56 194,866.58 195,532.52 196,195.38 196,855.13 197,511.76 198,165.24 198,815.57 199,462.72 200,106.69 200,747.44 201,384.98 202,019.27 202,650.30 203,278.05 203,902.51 204,523.66 205,141.49 205,755.96 206,367.07 206,974.80 207,579.13 208,180.04 208,777.51 209,371.53 209,962.08

145,326.41 144,850.71 144,372.49 143,891.73 143,408.42 142,922.54 142,434.07 141,943.01 141,449.34 140,953.05 140,454.13 139,952.55 139,448.31 138,941.39 138,431.77 137,919.45 137,404.41 136,886.63 136,366.10 135,842.81 135,316.73 134,787.86 134,256.18 133,721.68 133,184.34 132,644.14 132,101.07 131,555.12 131,006.26 130,454.50 129,899.80 129,342.15 128,781.54 128,217.95 127,651.37 127,081.78 126,509.16 125,933.50 125,354.78 124,772.99 124,188.11 123,600.11 123,009.00 122,414.75 121,817.33 121,216.75 120,612.97 120,005.99 119,395.78 118,782.33 118,165.62 117,545.64 116,922.36 116,295.77 115,665.85 115,032.59 114,395.96 113,755.95 113,112.54 112,465.71 111,815.44 111,161.72 110,504.53

210,549.13 211,132.68 211,712.70 212,289.17 212,862.07 213,431.39 213,997.10 214,559.19 215,117.64 215,672.43 216,223.53 216,770.94 217,314.62 217,854.57 218,390.75 218,923.15 219,451.76 219,976.54 220,497.48 221,014.56 221,527.76 222,037.06 222,542.43 223,043.86 223,541.33 224,034.81 224,524.28 225,009.72 225,491.12 225,968.44 226,441.67 226,910.79 227,375.77 227,836.59 228,293.23 228,745.67 229,193.88 229,637.85 230,077.54 230,512.94 230,944.03 231,370.78 231,793.17 232,211.17 232,624.76 233,033.93 233,438.63 233,838.86 234,234.59 234,625.79 235,012.44 235,394.52 235,771.99 236,144.85 236,513.05 236,876.59 237,235.42 237,589.54 237,938.90 238,283.50 238,623.29 238,958.27 239,288.39

109,843.84 109,179.65 108,511.92 107,840.65 107,165.82 106,487.40 105,805.37 105,119.72 104,430.43 103,737.48 103,040.84 102,340.51 101,636.45 100,928.66 100,217.10 99,501.76 98,782.63 98,059.67 97,332.87 96,602.21 95,867.67 95,129.23 94,386.86 93,640.55 92,890.28 92,136.02 91,377.75 90,615.46 89,849.11 89,078.70 88,304.19 87,525.56 86,742.80 85,955.88 85,164.78 84,369.48 83,569.96 82,766.18 81,958.14 81,145.80 80,329.15 79,508.16 78,682.80 77,853.07 77,018.92 76,180.34 75,337.31 74,489.80 73,637.79 72,781.25 71,920.16 71,054.50 70,184.23 69,309.35 68,429.81 67,545.61 66,656.70 65,763.08 64,864.70 63,961.56 63,053.61 62,140.85 61,223.23

239,613.64 239,933.98 240,249.41 240,559.87 240,865.36 241,165.85 241,461.30 241,751.69 242,036.99 242,317.19 242,592.24 242,862.12 243,126.81 243,386.28 243,640.50 243,889.44 244,133.07 244,371.37 244,604.31 244,831.86 245,053.98 245,270.66 245,481.86 245,687.55 245,887.71 246,082.30 246,271.30 246,454.67 246,632.39 246,804.42 246,970.74 247,131.31 247,286.11 247,435.10 247,578.26 247,715.55 247,846.93 247,972.39 248,091.88 248,205.38 248,312.86 248,414.28 248,509.61 248,598.81 248,681.86 248,758.73 248,829.37 248,893.76 248,951.86 249,003.65 249,049.07 249,088.12 249,120.74 249,146.90 249,166.58 249,179.73 249,186.33

60,300.74 59,373.35 58,441.03 57,503.76 56,561.50 55,614.25 54,661.96 53,704.61 52,742.18 51,774.63 50,801.94 49,824.09 48,841.04 47,852.77 46,859.25 45,860.44 44,856.34 43,846.90 42,832.10 41,811.90 40,786.29 39,755.22 38,718.68 37,676.64 36,629.05 35,575.91 34,517.16 33,452.80 32,382.77 31,307.07 30,225.65 29,138.48 28,045.54 26,946.79 25,842.21 24,731.75 23,615.40 22,493.12 21,364.87 20,230.63 19,090.37 17,944.05 16,791.64 15,633.10 14,468.41 13,297.54 12,120.44 10,937.09 9,747.45 8,551.50 7,349.19 6,140.49 4,925.37 3,703.80 2,475.73 1,241.15 0.00

INVESTMENT PERFORMANCE

Total cost of accounts

$4,929.00

Value of accounts

$5,699.00

Difference $

$770.00

[DATE]

Difference % Investment Name

A Datum Corporation

Account Name or Number

Woodgrove Bank

Symbol

ZZZZ

Quantity

100

Purchase Price Per Share

Trade Fees

15.6% Total Cost (Purchase Price + Fees)

$49.00 $29.00 $4,929.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Current Quote

Market Value

$56.99 $5,699.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Gain/Loss ($)

Gain/Loss (%)

$770.00 15.6% 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A 0.00 N/A

Monthly Payment Chart (Sept-Dec 2004)

As of 02/09/2008

Due Date

Account

Auto Pmt

1

Mortgage

N

6 15 20

Car Ins. TiVo Student loan

Y Y Y

20 22 25 28 29 30

Visa Credit Card Cable Gas/Electric Water/Trash Phone

N N N N N Y Total Paid Remaining

Payment

J F M A M J J A S O N D

$100.00 $$50.00 $100.00 $250.00 $100.00 $$$$$$$-

x x x x

$600.00 $350.00 $250.00

x

Monthly Payment Chart (Sept-Dec 2004)

As of 02/09/2008

Jan 100 50 100

Feb

Mar April

May June

July

Aug Sept

Oct

100

Total

350

-

-

-

-

-

-

-

-

-

As of 02/09/2008

Nov

Dec

-

-

Monthly Payment Chart (Sept-Dec 2004)