Tracker Comparison

Mortgage terms & conditions Tracker Contract details re: 1 2 3 4 5 6 7 8 9

Flat monthly capital amount is repaid Base Rate Set up admin fee Offset saving interest Unfixed inspection in value Other anticipated charges Early repayment charge Final repayment fee (Exit fee) Interest on a monthly basis with nil extra days

Bank ✖ △ 〇 ✖ △ ✖ 〇 ✖ ✖

no, less capital in early period, flat payments Bank's Base Rate Nil not in offer not described can be charged to reflect lender's costs Nil 200 pounds but unknown in future no, on a daily basis

ex. Building Society ✖ 〇 ✖ 〇 ✖ △ 〇 〇 ✖

no, less capital in early period, flat payments Bank of England 600 pounds automatically set off can be charged - depend on circumstances not described Nil Nil no, on a daily basis

Note: The information is not fully comprehensive as the data is as of Dec 2007 and some can not be investigated further.

1. It seems there are no residential mortgages repaid by reducing monthly instalments in the UK, which reduce more capital balance in the early stage of the mortgage life than the flat monthly repayment type. Quantitative example of comparison is in the page 2.

2. The bank restrict with the bank's base rate which normally be followed within a month. There are no reports if the Bank of England base rate changes had been applied in due course, however, the lender said the bank normally had followed constantly in the past.

3. It can not be weighed just from these categories, as there are other reasons that it is impossible to predict, e.g.. The acts which do not make sense - unexpected annual statements without capital/interest/balance amount each month are sent out and there are automatic charges on the accounts which may not even recognise until receiving the next annual statement as of their mortgage fiscal year end. Furthermore, there are only 2 balances each of interest and capital at the beginning and the end are shown in the annual statement which is only the mortgage details to be issued to the clients. 4. The saving amount is subtracted from the mortgage account to calculate interest on the mortgage. If people have rump sum of savings, it would be better as saving interest rates are normally lower than lending interest rates. 5 and 6. Even though the wordings do not specify terms in the categories, the lenders can add or change terms and conditions supported by relevant evidences and regulations.

9. The 'Credit charges and APR' allows to omit interest on extra days when mortgages are set to be calculated on a monthly basis. However, in most of advertisements of mortgages the daily basis of interest charge is taken as a pro. In our case, the lender charged 2 days, hundred pounds unfairly for the weekend because the transaction for the advance was not executed in time for before the weekend, while the previous lender also charged for the extended interest days, and they deny on their faults in not preparing for the importance events despite the well advanced continuous seeks for schedule and the details confirmations by us.

Page 1

Example Mortgage Repayment Schedule 1. Flat monthly capital repayment - Available in Japan, but not seen in UK. Loan No. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83

150,000 Balance 150,000 149,500 149,000 148,500 148,000 147,500 147,000 146,500 146,000 145,500 145,000 144,500 144,000 143,500 143,000 142,500 142,000 141,500 141,000 140,500 140,000 139,500 139,000 138,500 138,000 137,500 137,000 136,500 136,000 135,500 135,000 134,500 134,000 133,500 133,000 132,500 132,000 131,500 131,000 130,500 130,000 129,500 129,000 128,500 128,000 127,500 127,000 126,500 126,000 125,500 125,000 124,500 124,000 123,500 123,000 122,500 122,000 121,500 121,000 120,500 120,000 119,500 119,000 118,500 118,000 117,500 117,000 116,500 116,000 115,500 115,000 114,500 114,000 113,500 113,000 112,500 112,000 111,500 111,000 110,500 110,000 109,500 109,000

Int. rate Interest 750 748 745 743 740 738 735 733 730 728 725 723 720 718 715 713 710 708 705 703 700 698 695 693 690 688 685 683 680 678 675 673 670 668 665 663 660 658 655 653 650 648 645 643 640 638 635 633 630 628 625 623 620 618 615 613 610 608 605 603 600 598 595 593 590 588 585 583 580 578 575 573 570 568 565 563 560 558 555 553 550 548 545

Total

2. Flat monthly total repayment - Most residential mortgage type in UK.

262,875

6% No. months

300

Capital Repayment 500 1,250 500 1,248 500 1,245 500 1,243 500 1,240 500 1,238 500 1,235 500 1,233 500 1,230 500 1,228 500 1,225 500 1,223 500 1,220 500 1,218 500 1,215 500 1,213 500 1,210 500 1,208 500 1,205 500 1,203 500 1,200 500 1,198 500 1,195 500 1,193 500 1,190 500 1,188 500 1,185 500 1,183 500 1,180 500 1,178 500 1,175 500 1,173 500 1,170 500 1,168 500 1,165 500 1,163 500 1,160 500 1,158 500 1,155 500 1,153 500 1,150 500 1,148 500 1,145 500 1,143 500 1,140 500 1,138 500 1,135 500 1,133 500 1,130 500 1,128 500 1,125 500 1,123 500 1,120 500 1,118 500 1,115 500 1,113 500 1,110 500 1,108 500 1,105 500 1,103 500 1,100 500 1,098 500 1,095 500 1,093 500 1,090 500 1,088 500 1,085 500 1,083 500 1,080 500 1,078 500 1,075 500 1,073 500 1,070 500 1,068 500 1,065 500 1,063 500 1,060 500 1,058 500 1,055 500 1,053 500 1,050 500 1,048 500 1,045

Balance 149,500 149,000 148,500 148,000 147,500 147,000 146,500 146,000 145,500 145,000 144,500 144,000 143,500 143,000 142,500 142,000 141,500 141,000 140,500 140,000 139,500 139,000 138,500 138,000 137,500 137,000 136,500 136,000 135,500 135,000 134,500 134,000 133,500 133,000 132,500 132,000 131,500 131,000 130,500 130,000 129,500 129,000 128,500 128,000 127,500 127,000 126,500 126,000 125,500 125,000 124,500 124,000 123,500 123,000 122,500 122,000 121,500 121,000 120,500 120,000 119,500 119,000 118,500 118,000 117,500 117,000 116,500 116,000 115,500 115,000 114,500 114,000 113,500 113,000 112,500 112,000 111,500 111,000 110,500 110,000 109,500 109,000 108,500

Loan No.

1

2

3

4

5

6

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83

150,000 Balance 150,000 149,784 149,566 149,347 149,127 148,906 148,684 148,461 148,237 148,012 147,786 147,558 147,329 147,099 146,868 146,636 146,403 146,169 145,933 145,696 145,458 145,219 144,979 144,737 144,494 144,250 144,005 143,759 143,511 143,262 143,012 142,761 142,508 142,254 141,999 141,742 141,484 141,225 140,965 140,703 140,440 140,176 139,910 139,643 139,375 139,105 138,834 138,562 138,288 138,013 137,737 137,459 137,180 136,899 136,617 136,334 136,049 135,763 135,475 135,186 134,895 134,603 134,310 134,015 133,719 133,421 133,122 132,821 132,519 132,215 131,910 131,603 131,295 130,985 130,673 130,360 130,045 129,729 129,411 129,092 128,771 128,448 128,124

Int. rate Interest 750 748 747 746 745 744 743 742 741 740 738 737 736 735 734 733 732 730 729 728 727 726 724 723 722 721 720 718 717 716 715 713 712 711 709 708 707 706 704 703 702 700 699 698 696 695 694 692 691 690 688 687 685 684 683 681 680 678 677 675 674 673 671 670 668 667 665 664 662 661 659 658 656 654 653 651 650 648 647 645 643 642 640

Adverse B. Total

(26,925) 289,800

6% No. months

300

Capital Repayment 216 966 218 966 219 966 220 966 221 966 222 966 223 966 224 966 225 966 226 966 228 966 229 966 230 966 231 966 232 966 233 966 234 966 236 966 237 966 238 966 239 966 240 966 242 966 243 966 244 966 245 966 246 966 248 966 249 966 250 966 251 966 253 966 254 966 255 966 257 966 258 966 259 966 260 966 262 966 263 966 264 966 266 966 267 966 268 966 270 966 271 966 272 966 274 966 275 966 276 966 278 966 279 966 281 966 282 966 283 966 285 966 286 966 288 966 289 966 291 966 292 966 293 966 295 966 296 966 298 966 299 966 301 966 302 966 304 966 305 966 307 966 308 966 310 966 312 966 313 966 315 966 316 966 318 966 319 966 321 966 323 966 324 966 326 966

Balance 149,784 149,566 149,347 149,127 148,906 148,684 148,461 148,237 148,012 147,786 147,558 147,329 147,099 146,868 146,636 146,403 146,169 145,933 145,696 145,458 145,219 144,979 144,737 144,494 144,250 144,005 143,759 143,511 143,262 143,012 142,761 142,508 142,254 141,999 141,742 141,484 141,225 140,965 140,703 140,440 140,176 139,910 139,643 139,375 139,105 138,834 138,562 138,288 138,013 137,737 137,459 137,180 136,899 136,617 136,334 136,049 135,763 135,475 135,186 134,895 134,603 134,310 134,015 133,719 133,421 133,122 132,821 132,519 132,215 131,910 131,603 131,295 130,985 130,673 130,360 130,045 129,729 129,411 129,092 128,771 128,448 128,124 127,798

Adverse

(3,329)

(6,494)

(9,484)

(12,288)

(14,895)

(17,295)

84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176

108,500 108,000 107,500 107,000 106,500 106,000 105,500 105,000 104,500 104,000 103,500 103,000 102,500 102,000 101,500 101,000 100,500 100,000 99,500 99,000 98,500 98,000 97,500 97,000 96,500 96,000 95,500 95,000 94,500 94,000 93,500 93,000 92,500 92,000 91,500 91,000 90,500 90,000 89,500 89,000 88,500 88,000 87,500 87,000 86,500 86,000 85,500 85,000 84,500 84,000 83,500 83,000 82,500 82,000 81,500 81,000 80,500 80,000 79,500 79,000 78,500 78,000 77,500 77,000 76,500 76,000 75,500 75,000 74,500 74,000 73,500 73,000 72,500 72,000 71,500 71,000 70,500 70,000 69,500 69,000 68,500 68,000 67,500 67,000 66,500 66,000 65,500 65,000 64,500 64,000 63,500 63,000 62,500

543 540 538 535 533 530 528 525 523 520 518 515 513 510 508 505 503 500 498 495 493 490 488 485 483 480 478 475 473 470 468 465 463 460 458 455 453 450 448 445 443 440 438 435 433 430 428 425 423 420 418 415 413 410 408 405 403 400 398 395 393 390 388 385 383 380 378 375 373 370 368 365 363 360 358 355 353 350 348 345 343 340 338 335 333 330 328 325 323 320 318 315 313

500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500

1,043 1,040 1,038 1,035 1,033 1,030 1,028 1,025 1,023 1,020 1,018 1,015 1,013 1,010 1,008 1,005 1,003 1,000 998 995 993 990 988 985 983 980 978 975 973 970 968 965 963 960 958 955 953 950 948 945 943 940 938 935 933 930 928 925 923 920 918 915 913 910 908 905 903 900 898 895 893 890 888 885 883 880 878 875 873 870 868 865 863 860 858 855 853 850 848 845 843 840 838 835 833 830 828 825 823 820 818 815 813

108,000 107,500 107,000 106,500 106,000 105,500 105,000 104,500 104,000 103,500 103,000 102,500 102,000 101,500 101,000 100,500 100,000 99,500 99,000 98,500 98,000 97,500 97,000 96,500 96,000 95,500 95,000 94,500 94,000 93,500 93,000 92,500 92,000 91,500 91,000 90,500 90,000 89,500 89,000 88,500 88,000 87,500 87,000 86,500 86,000 85,500 85,000 84,500 84,000 83,500 83,000 82,500 82,000 81,500 81,000 80,500 80,000 79,500 79,000 78,500 78,000 77,500 77,000 76,500 76,000 75,500 75,000 74,500 74,000 73,500 73,000 72,500 72,000 71,500 71,000 70,500 70,000 69,500 69,000 68,500 68,000 67,500 67,000 66,500 66,000 65,500 65,000 64,500 64,000 63,500 63,000 62,500 62,000

7

8

9

10

11

12

13

14

84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176

127,798 127,470 127,141 126,810 126,478 126,144 125,808 125,471 125,132 124,791 124,448 124,104 123,758 123,410 123,061 122,710 122,357 122,002 121,646 121,288 120,928 120,566 120,202 119,837 119,470 119,101 118,730 118,357 117,982 117,605 117,227 116,847 116,465 116,081 115,695 115,307 114,917 114,525 114,131 113,735 113,337 112,937 112,535 112,131 111,725 111,317 110,907 110,495 110,081 109,665 109,247 108,827 108,405 107,981 107,554 107,125 106,694 106,261 105,826 105,389 104,949 104,507 104,063 103,617 103,169 102,718 102,265 101,810 101,353 100,893 100,431 99,967 99,500 99,031 98,560 98,086 97,610 97,132 96,651 96,168 95,682 95,194 94,703 94,210 93,715 93,217 92,717 92,214 91,709 91,201 90,691 90,178 89,662

638 637 635 634 632 630 629 627 625 623 622 620 618 617 615 613 611 610 608 606 604 602 601 599 597 595 593 591 589 588 586 584 582 580 578 576 574 572 570 568 566 564 562 560 558 556 554 552 550 548 546 544 542 539 537 535 533 531 529 526 524 522 520 518 515 513 511 509 506 504 502 499 497 495 492 490 488 485 483 480 478 475 473 471 468 466 463 461 458 456 453 450 448

328 329 331 332 334 336 337 339 341 343 344 346 348 349 351 353 355 356 358 360 362 364 365 367 369 371 373 375 377 378 380 382 384 386 388 390 392 394 396 398 400 402 404 406 408 410 412 414 416 418 420 422 424 427 429 431 433 435 437 440 442 444 446 448 451 453 455 457 460 462 464 467 469 471 474 476 478 481 483 486 488 491 493 495 498 500 503 505 508 510 513 516 518

966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966

127,470 127,141 126,810 126,478 126,144 125,808 125,471 125,132 124,791 124,448 124,104 123,758 123,410 123,061 122,710 122,357 122,002 121,646 121,288 120,928 120,566 120,202 119,837 119,470 119,101 118,730 118,357 117,982 117,605 117,227 116,847 116,465 116,081 115,695 115,307 114,917 114,525 114,131 113,735 113,337 112,937 112,535 112,131 111,725 111,317 110,907 110,495 110,081 109,665 109,247 108,827 108,405 107,981 107,554 107,125 106,694 106,261 105,826 105,389 104,949 104,507 104,063 103,617 103,169 102,718 102,265 101,810 101,353 100,893 100,431 99,967 99,500 99,031 98,560 98,086 97,610 97,132 96,651 96,168 95,682 95,194 94,703 94,210 93,715 93,217 92,717 92,214 91,709 91,201 90,691 90,178 89,662 89,144

(19,470)

(21,410)

(23,101)

(24,525)

(25,665)

(26,507)

(27,031)

(27,217)

177 178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243 244 245 246 247 248 249 250 251 252 253 254 255 256 257 258 259 260 261 262 263 264 265 266 267 268 269

62,000 61,500 61,000 60,500 60,000 59,500 59,000 58,500 58,000 57,500 57,000 56,500 56,000 55,500 55,000 54,500 54,000 53,500 53,000 52,500 52,000 51,500 51,000 50,500 50,000 49,500 49,000 48,500 48,000 47,500 47,000 46,500 46,000 45,500 45,000 44,500 44,000 43,500 43,000 42,500 42,000 41,500 41,000 40,500 40,000 39,500 39,000 38,500 38,000 37,500 37,000 36,500 36,000 35,500 35,000 34,500 34,000 33,500 33,000 32,500 32,000 31,500 31,000 30,500 30,000 29,500 29,000 28,500 28,000 27,500 27,000 26,500 26,000 25,500 25,000 24,500 24,000 23,500 23,000 22,500 22,000 21,500 21,000 20,500 20,000 19,500 19,000 18,500 18,000 17,500 17,000 16,500 16,000

310 308 305 303 300 298 295 293 290 288 285 283 280 278 275 273 270 268 265 263 260 258 255 253 250 248 245 243 240 238 235 233 230 228 225 223 220 218 215 213 210 208 205 203 200 198 195 193 190 188 185 183 180 178 175 173 170 168 165 163 160 158 155 153 150 148 145 143 140 138 135 133 130 128 125 123 120 118 115 113 110 108 105 103 100 98 95 93 90 88 85 83 80

500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500

810 808 805 803 800 798 795 793 790 788 785 783 780 778 775 773 770 768 765 763 760 758 755 753 750 748 745 743 740 738 735 733 730 728 725 723 720 718 715 713 710 708 705 703 700 698 695 693 690 688 685 683 680 678 675 673 670 668 665 663 660 658 655 653 650 648 645 643 640 638 635 633 630 628 625 623 620 618 615 613 610 608 605 603 600 598 595 593 590 588 585 583 580

61,500 61,000 60,500 60,000 59,500 59,000 58,500 58,000 57,500 57,000 56,500 56,000 55,500 55,000 54,500 54,000 53,500 53,000 52,500 52,000 51,500 51,000 50,500 50,000 49,500 49,000 48,500 48,000 47,500 47,000 46,500 46,000 45,500 45,000 44,500 44,000 43,500 43,000 42,500 42,000 41,500 41,000 40,500 40,000 39,500 39,000 38,500 38,000 37,500 37,000 36,500 36,000 35,500 35,000 34,500 34,000 33,500 33,000 32,500 32,000 31,500 31,000 30,500 30,000 29,500 29,000 28,500 28,000 27,500 27,000 26,500 26,000 25,500 25,000 24,500 24,000 23,500 23,000 22,500 22,000 21,500 21,000 20,500 20,000 19,500 19,000 18,500 18,000 17,500 17,000 16,500 16,000 15,500

15

16

17

18

19

20

21

22

177 178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243 244 245 246 247 248 249 250 251 252 253 254 255 256 257 258 259 260 261 262 263 264 265 266 267 268 269

89,144 88,623 88,100 87,574 87,045 86,514 85,980 85,443 84,904 84,362 83,817 83,270 82,720 82,167 81,611 81,053 80,492 79,928 79,361 78,791 78,218 77,643 77,065 76,484 75,900 75,313 74,723 74,130 73,534 72,935 72,333 71,728 71,120 70,509 69,895 69,278 68,658 68,035 67,409 66,780 66,147 65,511 64,872 64,230 63,585 62,936 62,284 61,629 60,971 60,309 59,644 58,976 58,304 57,629 56,951 56,269 55,584 54,895 54,203 53,508 52,809 52,107 51,401 50,692 49,979 49,262 48,542 47,818 47,091 46,360 45,625 44,887 44,145 43,399 42,649 41,896 41,139 40,378 39,613 38,845 38,073 37,297 36,517 35,733 34,945 34,153 33,357 32,557 31,753 30,945 30,133 29,317 28,497

445 443 440 437 435 432 429 427 424 421 419 416 413 410 408 405 402 399 396 393 391 388 385 382 379 376 373 370 367 364 361 358 355 352 349 346 343 340 337 333 330 327 324 321 317 314 311 308 304 301 298 294 291 288 284 281 277 274 271 267 264 260 257 253 249 246 242 239 235 231 228 224 220 216 213 209 205 201 198 194 190 186 182 178 174 170 166 162 158 154 150 146 142

521 523 526 529 531 534 537 539 542 545 547 550 553 556 558 561 564 567 570 573 575 578 581 584 587 590 593 596 599 602 605 608 611 614 617 620 623 626 629 633 636 639 642 645 649 652 655 658 662 665 668 672 675 678 682 685 689 692 695 699 702 706 709 713 717 720 724 727 731 735 738 742 746 750 753 757 761 765 768 772 776 780 784 788 792 796 800 804 808 812 816 820 824

966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966

88,623 88,100 87,574 87,045 86,514 85,980 85,443 84,904 84,362 83,817 83,270 82,720 82,167 81,611 81,053 80,492 79,928 79,361 78,791 78,218 77,643 77,065 76,484 75,900 75,313 74,723 74,130 73,534 72,935 72,333 71,728 71,120 70,509 69,895 69,278 68,658 68,035 67,409 66,780 66,147 65,511 64,872 64,230 63,585 62,936 62,284 61,629 60,971 60,309 59,644 58,976 58,304 57,629 56,951 56,269 55,584 54,895 54,203 53,508 52,809 52,107 51,401 50,692 49,979 49,262 48,542 47,818 47,091 46,360 45,625 44,887 44,145 43,399 42,649 41,896 41,139 40,378 39,613 38,845 38,073 37,297 36,517 35,733 34,945 34,153 33,357 32,557 31,753 30,945 30,133 29,317 28,497 27,673

(27,045)

(26,492)

(25,534)

(24,147)

(22,304)

(19,979)

(17,139)

(13,753)

270 271 272 273 274 275 276 277 278 279 280 281 282 283 284 285 286 287 288 289 290 291 292 293 294 295 296 297 298 299 300 Total

15,500 15,000 14,500 14,000 13,500 13,000 12,500 12,000 11,500 11,000 10,500 10,000 9,500 9,000 8,500 8,000 7,500 7,000 6,500 6,000 5,500 5,000 4,500 4,000 3,500 3,000 2,500 2,000 1,500 1,000 500

78 75 73 70 68 65 63 60 58 55 53 50 48 45 43 40 38 35 33 30 28 25 23 20 18 15 13 10 8 5 3 112,875

500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 150,000

578 575 573 570 568 565 563 560 558 555 553 550 548 545 543 540 538 535 533 530 528 525 523 520 518 515 513 510 508 505 503 262,875

15,000 14,500 14,000 13,500 13,000 12,500 12,000 11,500 11,000 10,500 10,000 9,500 9,000 8,500 8,000 7,500 7,000 6,500 6,000 5,500 5,000 4,500 4,000 3,500 3,000 2,500 2,000 1,500 1,000 500 0

23

24

25

270 271 272 273 274 275 276 277 278 279 280 281 282 283 284 285 286 287 288 289 290 291 292 293 294 295 296 297 298 299 300 Total

27,673 26,845 26,013 25,177 24,336 23,491 22,642 21,789 20,931 20,069 19,203 18,333 17,458 16,579 15,695 14,807 13,915 13,018 12,117 11,211 10,301 9,386 8,466 7,542 6,613 5,680 4,742 3,799 2,851 1,899 942

138 134 130 125 121 117 113 108 104 100 96 91 87 82 78 74 69 65 60 56 51 46 42 37 33 28 23 18 14 9 4 139,780

828 832 836 841 845 849 853 858 862 866 870 875 879 884 888 892 897 901 906 910 915 920 924 929 933 938 943 948 952 957 962 150,020

966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 966 289,800

26,845 26,013 25,177 24,336 23,491 22,642 21,789 20,931 20,069 19,203 18,333 17,458 16,579 15,695 14,807 13,915 13,018 12,117 11,211 10,301 9,386 8,466 7,542 6,613 5,680 4,742 3,799 2,851 1,899 942 (20)

(9,789)

(5,211)

(26,925)

Example Mortgage Repayment Schedule 1. Flat monthly capital repayment - Available in Japan, but not seen in UK. Loan No. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84

150,000 Balance 150,000 149,500 149,000 148,500 148,000 147,500 147,000 146,500 146,000 145,500 145,000 144,500 144,000 143,500 143,000 142,500 142,000 141,500 141,000 140,500 140,000 139,500 139,000 138,500 138,000 137,500 137,000 136,500 136,000 135,500 135,000 134,500 134,000 133,500 133,000 132,500 132,000 131,500 131,000 130,500 130,000 129,500 129,000 128,500 128,000 127,500 127,000 126,500 126,000 125,500 125,000 124,500 124,000 123,500 123,000 122,500 122,000 121,500 121,000 120,500 120,000 119,500 119,000 118,500 118,000 117,500 117,000 116,500 116,000 115,500 115,000 114,500 114,000 113,500 113,000 112,500 112,000 111,500 111,000 110,500 110,000 109,500 109,000 108,500

Int. rate Interest 375 374 373 371 370 369 368 366 365 364 363 361 360 359 358 356 355 354 353 351 350 349 348 346 345 344 343 341 340 339 338 336 335 334 333 331 330 329 328 326 325 324 323 321 320 319 318 316 315 314 313 311 310 309 308 306 305 304 303 301 300 299 298 296 295 294 293 291 290 289 288 286 285 284 283 281 280 279 278 276 275 274 273 271

Total

3% No. months Capital 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500

Repayment 875 874 873 871 870 869 868 866 865 864 863 861 860 859 858 856 855 854 853 851 850 849 848 846 845 844 843 841 840 839 838 836 835 834 833 831 830 829 828 826 825 824 823 821 820 819 818 816 815 814 813 811 810 809 808 806 805 804 803 801 800 799 798 796 795 794 793 791 790 789 788 786 785 784 783 781 780 779 778 776 775 774 773 771

2. Flat monthly total repayment - Most residential mortgage type in UK.

206,438 300 Balance 149,500 149,000 148,500 148,000 147,500 147,000 146,500 146,000 145,500 145,000 144,500 144,000 143,500 143,000 142,500 142,000 141,500 141,000 140,500 140,000 139,500 139,000 138,500 138,000 137,500 137,000 136,500 136,000 135,500 135,000 134,500 134,000 133,500 133,000 132,500 132,000 131,500 131,000 130,500 130,000 129,500 129,000 128,500 128,000 127,500 127,000 126,500 126,000 125,500 125,000 124,500 124,000 123,500 123,000 122,500 122,000 121,500 121,000 120,500 120,000 119,500 119,000 118,500 118,000 117,500 117,000 116,500 116,000 115,500 115,000 114,500 114,000 113,500 113,000 112,500 112,000 111,500 111,000 110,500 110,000 109,500 109,000 108,500 108,000

Loan No.

1

2

3

4

5

6

7

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84

150,000 Balance 150,000 149,664 149,327 148,989 148,650 148,310 147,969 147,627 147,285 146,942 146,598 146,253 145,907 145,560 145,212 144,864 144,515 144,165 143,814 143,462 143,109 142,755 142,400 142,045 141,689 141,332 140,974 140,615 140,255 139,894 139,532 139,169 138,805 138,441 138,076 137,710 137,343 136,975 136,606 136,236 135,865 135,493 135,120 134,746 134,371 133,995 133,618 133,241 132,863 132,484 132,104 131,723 131,341 130,958 130,574 130,189 129,803 129,416 129,028 128,639 128,249 127,858 127,466 127,073 126,679 126,284 125,888 125,491 125,093 124,694 124,294 123,893 123,491 123,088 122,684 122,279 121,873 121,466 121,058 120,649 120,239 119,828 119,416 119,003

Int. rate Interest 375 374 373 372 371 370 369 369 368 367 366 365 364 363 363 362 361 360 359 358 357 356 356 355 354 353 352 351 350 349 348 347 347 346 345 344 343 342 341 340 339 338 337 336 335 334 334 333 332 331 330 329 328 327 326 325 324 323 322 321 320 319 318 317 316 315 314 313 312 311 310 309 308 307 306 305 304 303 302 301 300 299 298 297

Adverse B. Total

(6,863) 213,300

3% No. months

300

Capital 336 337 338 339 340 341 342 342 343 344 345 346 347 348 348 349 350 351 352 353 354 355 355 356 357 358 359 360 361 362 363 364 364 365 366 367 368 369 370 371 372 373 374 375 376 377 377 378 379 380 381 382 383 384 385 386 387 388 389 390 391 392 393 394 395 396 397 398 399 400 401 402 403 404 405 406 407 408 409 410 411 412 413 414

Repayment 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711

Balance 149,664 149,327 148,989 148,650 148,310 147,969 147,627 147,285 146,942 146,598 146,253 145,907 145,560 145,212 144,864 144,515 144,165 143,814 143,462 143,109 142,755 142,400 142,045 141,689 141,332 140,974 140,615 140,255 139,894 139,532 139,169 138,805 138,441 138,076 137,710 137,343 136,975 136,606 136,236 135,865 135,493 135,120 134,746 134,371 133,995 133,618 133,241 132,863 132,484 132,104 131,723 131,341 130,958 130,574 130,189 129,803 129,416 129,028 128,639 128,249 127,858 127,466 127,073 126,679 126,284 125,888 125,491 125,093 124,694 124,294 123,893 123,491 123,088 122,684 122,279 121,873 121,466 121,058 120,649 120,239 119,828 119,416 119,003 118,589

Adverse

(1,907)

(3,689)

(5,343)

(6,863)

(8,249)

(9,491)

(10,589)

85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177

108,000 107,500 107,000 106,500 106,000 105,500 105,000 104,500 104,000 103,500 103,000 102,500 102,000 101,500 101,000 100,500 100,000 99,500 99,000 98,500 98,000 97,500 97,000 96,500 96,000 95,500 95,000 94,500 94,000 93,500 93,000 92,500 92,000 91,500 91,000 90,500 90,000 89,500 89,000 88,500 88,000 87,500 87,000 86,500 86,000 85,500 85,000 84,500 84,000 83,500 83,000 82,500 82,000 81,500 81,000 80,500 80,000 79,500 79,000 78,500 78,000 77,500 77,000 76,500 76,000 75,500 75,000 74,500 74,000 73,500 73,000 72,500 72,000 71,500 71,000 70,500 70,000 69,500 69,000 68,500 68,000 67,500 67,000 66,500 66,000 65,500 65,000 64,500 64,000 63,500 63,000 62,500 62,000

270 269 268 266 265 264 263 261 260 259 258 256 255 254 253 251 250 249 248 246 245 244 243 241 240 239 238 236 235 234 233 231 230 229 228 226 225 224 223 221 220 219 218 216 215 214 213 211 210 209 208 206 205 204 203 201 200 199 198 196 195 194 193 191 190 189 188 186 185 184 183 181 180 179 178 176 175 174 173 171 170 169 168 166 165 164 163 161 160 159 158 156 155

500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500

770 769 768 766 765 764 763 761 760 759 758 756 755 754 753 751 750 749 748 746 745 744 743 741 740 739 738 736 735 734 733 731 730 729 728 726 725 724 723 721 720 719 718 716 715 714 713 711 710 709 708 706 705 704 703 701 700 699 698 696 695 694 693 691 690 689 688 686 685 684 683 681 680 679 678 676 675 674 673 671 670 669 668 666 665 664 663 661 660 659 658 656 655

107,500 107,000 106,500 106,000 105,500 105,000 104,500 104,000 103,500 103,000 102,500 102,000 101,500 101,000 100,500 100,000 99,500 99,000 98,500 98,000 97,500 97,000 96,500 96,000 95,500 95,000 94,500 94,000 93,500 93,000 92,500 92,000 91,500 91,000 90,500 90,000 89,500 89,000 88,500 88,000 87,500 87,000 86,500 86,000 85,500 85,000 84,500 84,000 83,500 83,000 82,500 82,000 81,500 81,000 80,500 80,000 79,500 79,000 78,500 78,000 77,500 77,000 76,500 76,000 75,500 75,000 74,500 74,000 73,500 73,000 72,500 72,000 71,500 71,000 70,500 70,000 69,500 69,000 68,500 68,000 67,500 67,000 66,500 66,000 65,500 65,000 64,500 64,000 63,500 63,000 62,500 62,000 61,500

8

9

10

11

12

13

14

85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177

118,589 118,174 117,758 117,341 116,923 116,504 116,084 115,663 115,241 114,818 114,394 113,968 113,541 113,113 112,684 112,254 111,823 111,391 110,958 110,524 110,089 109,653 109,216 108,778 108,338 107,897 107,455 107,012 106,568 106,123 105,677 105,230 104,782 104,332 103,881 103,429 102,976 102,522 102,067 101,611 101,154 100,695 100,235 99,774 99,312 98,849 98,385 97,919 97,452 96,984 96,515 96,045 95,574 95,101 94,627 94,152 93,676 93,199 92,720 92,240 91,759 91,277 90,794 90,309 89,823 89,336 88,848 88,359 87,868 87,376 86,883 86,389 85,893 85,396 84,898 84,399 83,898 83,396 82,893 82,389 81,883 81,376 80,868 80,359 79,848 79,336 78,823 78,309 77,793 77,276 76,758 76,238 75,717

296 295 294 293 292 291 290 289 288 287 285 284 283 282 281 280 279 278 277 276 275 274 273 271 270 269 268 267 266 265 264 263 261 260 259 258 257 256 255 254 252 251 250 249 248 247 245 244 243 242 241 240 238 237 236 235 234 232 231 230 229 228 226 225 224 223 222 220 219 218 217 215 214 213 212 210 209 208 207 205 204 203 202 200 199 198 197 195 194 193 191 190 189

415 416 417 418 419 420 421 422 423 424 426 427 428 429 430 431 432 433 434 435 436 437 438 440 441 442 443 444 445 446 447 448 450 451 452 453 454 455 456 457 459 460 461 462 463 464 466 467 468 469 470 471 473 474 475 476 477 479 480 481 482 483 485 486 487 488 489 491 492 493 494 496 497 498 499 501 502 503 504 506 507 508 509 511 512 513 514 516 517 518 520 521 522

711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711

118,174 117,758 117,341 116,923 116,504 116,084 115,663 115,241 114,818 114,394 113,968 113,541 113,113 112,684 112,254 111,823 111,391 110,958 110,524 110,089 109,653 109,216 108,778 108,338 107,897 107,455 107,012 106,568 106,123 105,677 105,230 104,782 104,332 103,881 103,429 102,976 102,522 102,067 101,611 101,154 100,695 100,235 99,774 99,312 98,849 98,385 97,919 97,452 96,984 96,515 96,045 95,574 95,101 94,627 94,152 93,676 93,199 92,720 92,240 91,759 91,277 90,794 90,309 89,823 89,336 88,848 88,359 87,868 87,376 86,883 86,389 85,893 85,396 84,898 84,399 83,898 83,396 82,893 82,389 81,883 81,376 80,868 80,359 79,848 79,336 78,823 78,309 77,793 77,276 76,758 76,238 75,717 75,195

(11,541)

(12,338)

(12,976)

(13,452)

(13,759)

(13,893)

(13,848)

178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243 244 245 246 247 248 249 250 251 252 253 254 255 256 257 258 259 260 261 262 263 264 265 266 267 268 269 270

61,500 61,000 60,500 60,000 59,500 59,000 58,500 58,000 57,500 57,000 56,500 56,000 55,500 55,000 54,500 54,000 53,500 53,000 52,500 52,000 51,500 51,000 50,500 50,000 49,500 49,000 48,500 48,000 47,500 47,000 46,500 46,000 45,500 45,000 44,500 44,000 43,500 43,000 42,500 42,000 41,500 41,000 40,500 40,000 39,500 39,000 38,500 38,000 37,500 37,000 36,500 36,000 35,500 35,000 34,500 34,000 33,500 33,000 32,500 32,000 31,500 31,000 30,500 30,000 29,500 29,000 28,500 28,000 27,500 27,000 26,500 26,000 25,500 25,000 24,500 24,000 23,500 23,000 22,500 22,000 21,500 21,000 20,500 20,000 19,500 19,000 18,500 18,000 17,500 17,000 16,500 16,000 15,500

154 153 151 150 149 148 146 145 144 143 141 140 139 138 136 135 134 133 131 130 129 128 126 125 124 123 121 120 119 118 116 115 114 113 111 110 109 108 106 105 104 103 101 100 99 98 96 95 94 93 91 90 89 88 86 85 84 83 81 80 79 78 76 75 74 73 71 70 69 68 66 65 64 63 61 60 59 58 56 55 54 53 51 50 49 48 46 45 44 43 41 40 39

500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500

654 653 651 650 649 648 646 645 644 643 641 640 639 638 636 635 634 633 631 630 629 628 626 625 624 623 621 620 619 618 616 615 614 613 611 610 609 608 606 605 604 603 601 600 599 598 596 595 594 593 591 590 589 588 586 585 584 583 581 580 579 578 576 575 574 573 571 570 569 568 566 565 564 563 561 560 559 558 556 555 554 553 551 550 549 548 546 545 544 543 541 540 539

61,000 60,500 60,000 59,500 59,000 58,500 58,000 57,500 57,000 56,500 56,000 55,500 55,000 54,500 54,000 53,500 53,000 52,500 52,000 51,500 51,000 50,500 50,000 49,500 49,000 48,500 48,000 47,500 47,000 46,500 46,000 45,500 45,000 44,500 44,000 43,500 43,000 42,500 42,000 41,500 41,000 40,500 40,000 39,500 39,000 38,500 38,000 37,500 37,000 36,500 36,000 35,500 35,000 34,500 34,000 33,500 33,000 32,500 32,000 31,500 31,000 30,500 30,000 29,500 29,000 28,500 28,000 27,500 27,000 26,500 26,000 25,500 25,000 24,500 24,000 23,500 23,000 22,500 22,000 21,500 21,000 20,500 20,000 19,500 19,000 18,500 18,000 17,500 17,000 16,500 16,000 15,500 15,000

15

16

17

18

19

20

21

22

178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243 244 245 246 247 248 249 250 251 252 253 254 255 256 257 258 259 260 261 262 263 264 265 266 267 268 269 270

75,195 74,671 74,146 73,620 73,093 72,564 72,034 71,503 70,970 70,436 69,901 69,364 68,826 68,287 67,746 67,204 66,661 66,116 65,570 65,022 64,473 63,923 63,371 62,818 62,264 61,708 61,151 60,592 60,032 59,471 58,908 58,344 57,778 57,211 56,643 56,073 55,502 54,929 54,355 53,779 53,202 52,624 52,044 51,463 50,880 50,296 49,710 49,123 48,534 47,944 47,352 46,759 46,164 45,568 44,970 44,371 43,770 43,168 42,564 41,959 41,352 40,744 40,134 39,523 38,910 38,296 37,680 37,063 36,444 35,824 35,202 34,579 33,954 33,327 32,699 32,069 31,438 30,805 30,171 29,535 28,897 28,258 27,617 26,975 26,331 25,685 25,038 24,389 23,738 23,086 22,432 21,777 21,120

187 186 185 184 182 181 180 178 177 176 174 173 172 170 169 168 166 165 163 162 161 159 158 157 155 154 152 151 150 148 147 145 144 143 141 140 138 137 135 134 133 131 130 128 127 125 124 122 121 119 118 116 115 113 112 110 109 107 106 104 103 101 100 98 97 95 94 92 91 89 88 86 84 83 81 80 78 77 75 73 72 70 69 67 65 64 62 60 59 57 56 54 52

524 525 526 527 529 530 531 533 534 535 537 538 539 541 542 543 545 546 548 549 550 552 553 554 556 557 559 560 561 563 564 566 567 568 570 571 573 574 576 577 578 580 581 583 584 586 587 589 590 592 593 595 596 598 599 601 602 604 605 607 608 610 611 613 614 616 617 619 620 622 623 625 627 628 630 631 633 634 636 638 639 641 642 644 646 647 649 651 652 654 655 657 659

711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711

74,671 74,146 73,620 73,093 72,564 72,034 71,503 70,970 70,436 69,901 69,364 68,826 68,287 67,746 67,204 66,661 66,116 65,570 65,022 64,473 63,923 63,371 62,818 62,264 61,708 61,151 60,592 60,032 59,471 58,908 58,344 57,778 57,211 56,643 56,073 55,502 54,929 54,355 53,779 53,202 52,624 52,044 51,463 50,880 50,296 49,710 49,123 48,534 47,944 47,352 46,759 46,164 45,568 44,970 44,371 43,770 43,168 42,564 41,959 41,352 40,744 40,134 39,523 38,910 38,296 37,680 37,063 36,444 35,824 35,202 34,579 33,954 33,327 32,699 32,069 31,438 30,805 30,171 29,535 28,897 28,258 27,617 26,975 26,331 25,685 25,038 24,389 23,738 23,086 22,432 21,777 21,120 20,461

(13,620)

(13,204)

(12,592)

(11,779)

(10,759)

(9,523)

(8,069)

(6,389)

271 272 273 274 275 276 277 278 279 280 281 282 283 284 285 286 287 288 289 290 291 292 293 294 295 296 297 298 299 300 Total

15,000 14,500 14,000 13,500 13,000 12,500 12,000 11,500 11,000 10,500 10,000 9,500 9,000 8,500 8,000 7,500 7,000 6,500 6,000 5,500 5,000 4,500 4,000 3,500 3,000 2,500 2,000 1,500 1,000 500

38 36 35 34 33 31 30 29 28 26 25 24 23 21 20 19 18 16 15 14 13 11 10 9 8 6 5 4 3 1 56,438

500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 150,000

538 536 535 534 533 531 530 529 528 526 525 524 523 521 520 519 518 516 515 514 513 511 510 509 508 506 505 504 503 501 206,438

14,500 14,000 13,500 13,000 12,500 12,000 11,500 11,000 10,500 10,000 9,500 9,000 8,500 8,000 7,500 7,000 6,500 6,000 5,500 5,000 4,500 4,000 3,500 3,000 2,500 2,000 1,500 1,000 500 0

23

24

25

271 272 273 274 275 276 277 278 279 280 281 282 283 284 285 286 287 288 289 290 291 292 293 294 295 296 297 298 299 300 Total

20,461 19,801 19,139 18,475 17,810 17,143 16,474 15,804 15,132 14,458 13,783 13,106 12,427 11,747 11,065 10,381 9,695 9,008 8,319 7,628 6,936 6,242 5,546 4,848 4,149 3,448 2,745 2,040 1,334 626

51 49 47 46 44 42 41 39 37 36 34 32 31 29 27 25 24 22 20 19 17 15 13 12 10 8 6 5 3 1 63,216

660 662 664 665 667 669 670 672 674 675 677 679 680 682 684 686 687 689 691 692 694 696 698 699 701 703 705 706 708 710 150,084

711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 213,300

19,801 19,139 18,475 17,810 17,143 16,474 15,804 15,132 14,458 13,783 13,106 12,427 11,747 11,065 10,381 9,695 9,008 8,319 7,628 6,936 6,242 5,546 4,848 4,149 3,448 2,745 2,040 1,334 626 (84)

(4,474)

(2,319)

(6,863)