The Proof is in the Numbers

Below is a chart and corresponding amortization tables that provide a side-by-side comparison of the Freedom Asset Manager mortgage and a typical 30-year fixed rate mortgage. Both the chart and the amortization tables are for the same $500,000 loan at a 6% interest rate. The chart enables you to immediately see the dramatic difference in the time it takes to pay off each mortgage. The amortization tables enable you to see how the principal-first nature of the Freedom Asset Manager mortgage dramatically reduces both the total interest paid each month and the time needed to pay off the mortgage.

The following table summarizes the comparison of the total interest paid and the number of years-to-payoff for the Freedom Asset Manager and a 30-year fixed rate mortgage. In this case, the Freedom Asset Manager enabled the consumer to save $352,786.44 and pay the mortgage off 16.6 years sooner than a 30-year fixed mortgage.*

Freedom Asset Manager vs. 30-Year Fixed
Mortgage Type	Interest Rate	Interest Paid		Years
30-Year Fixed Rate	6 %	$579,192.68		30
Freedom Asset Manager	6 %	$226,406.24		13.4
Savings with Freedom Asset Manager		$352,786.44		16.6

You can study the table below or jump straight to the 13th year (Aug, 2021), which is when the mortgage is paid off with the Freedom Asset Manager; while the typical 30-year fixed mortgage will not be paid off for another 16 years and 7 months (Jan, 2038).

$500,000 @ 6%	Freedom Asset Manager Mortgage		30-Year Fixed Rate Mortgage
	Principal	Interest Paid	Principal	Interest Paid
May, 2008	495,500.00	0.00	499,502.25	2,500.00
June, 2008	493,482.58	2,482.58	499,002.01	4,997.51
July, 2008	491,449.31	4,949.31	498,499.27	7,492.52
Aug, 2008	489,405.88	7,405.88	497,994.02	9,985.02
Sept, 2008	487,352.28	9,852.28	497,486.24	12,474.99
Oct, 2008	485,288.44	12,288.44	496,975.92	14,962.42
Nov, 2008	483,214.28	14,714.28	496,463.05	17,447.30
Dec, 2008	481,129.79	17,129.79	495,947.62	19,929.62
Jan, 2009	479,034.89	19,534.89	495,429.61	22,409.36
Feb, 2009	476,929.55	21,929.55	494,909.01	24,886.51
March, 2009	474,813.71	24,313.71	494,385.81	27,361.06
April, 2009	472,687.26	26,687.26	493,859.99	29,832.99
May, 2009	470,550.26	29,050.26	493,331.54	32,302.29
June, 2009	468,402.58	31,402.58	492,800.45	34,768.95
July, 2009	466,244.20	33,744.20	492,266.70	37,232.95
Aug, 2009	464,075.04	36,075.04	491,730.28	39,694.28
Sept, 2009	461,895.07	38,395.07	491,191.18	42,152.93
Oct, 2009	459,704.23	40,704.23	490,649.39	44,608.89
Nov, 2009	457,502.45	43,002.45	490,104.89	47,062.14
Dec, 2009	455,289.69	45,289.69	489,557.66	49,512.66
Jan, 2010	453,065.88	47,565.88	489,007.70	51,960.45
Feb, 2010	450,830.99	49,830.99	488,454.99	54,405.49
March, 2010	448,584.95	52,084.95	487,899.51	56,847.76
April, 2010	446,327.69	54,327.69	487,341.26	59,287.26
May, 2010	444,059.18	56,559.18	486,780.22	61,723.97
June, 2010	441,779.35	58,779.35	486,216.37	64,157.87
July, 2010	439,488.15	60,988.15	485,649.70	66,588.95
Aug, 2010	437,185.52	63,185.52	485,080.20	69,017.20
Sept, 2010	434,871.41	65,371.41	484,507.85	71,442.60
Oct, 2010	432,545.75	67,545.75	483,932.64	73,865.14
Nov, 2010	430,208.49	69,708.49	483,354.55	76,284.80
Dec, 2010	427,859.57	71,859.57	482,773.57	78,701.57
Jan, 2011	425,498.93	73,998.93	482,189.69	81,115.44
Feb, 2011	423,126.51	76,126.51	481,602.89	83,526.39
March, 2011	420,742.26	78,242.26	481,013.15	85,934.40
April, 2011	418,346.13	80,346.13	480,420.47	88,339.47
May, 2011	415,938.03	82,438.03	479,824.82	90,741.57
June, 2011	413,517.92	84,517.92	479,226.19	93,140.69
July, 2011	411,085.73	86,585.73	478,624.57	95,536.82
Aug, 2011	408,641.42	88,641.42	478,019.94	97,929.94
Sept, 2011	406,184.90	90,684.90	477,412.29	100,320.04
Oct, 2011	403,716.13	92,716.13	476,801.60	102,707.10
Nov, 2011	401,235.05	94,735.05	476,187.86	105,091.11
Dec, 2011	398,741.59	96,741.59	475,571.05	107,472.05
Jan, 2012	396,235.70	98,735.70	474,951.16	109,849.91
Feb, 2012	393,717.30	100,717.30	474,328.17	112,224.67
March, 2012	391,186.33	102,686.33	473,702.06	114,596.31
April, 2012	388,642.77	104,642.77	473,072.82	116,964.82
May, 2012	386,086.49	106,586.49	472,440.43	119,330.18
June, 2012	383,517.47	108,517.47	471,804.88	121,692.38
July, 2012	380,935.62	110,435.62	471,166.15	124,051.40
Aug, 2012	378,340.91	112,340.91	470,524.23	126,407.23
Sept, 2012	375,733.23	114,233.23	469,879.10	128,759.85
Oct, 2012	373,112.54	116,112.54	469,230.75	131,109.25
Nov, 2012	370,478.80	117,978.80	468,579.15	133,455.40
Dec, 2012	367,831.90	119,831.90	467,924.30	135,798.30
Jan, 2013	365,171.82	121,671.82	467,266.17	138,137.92
Feb, 2013	362,498.44	123,498.44	466,604.75	140,474.25
March, 2013	359,811.73	125,311.73	465,940.02	142,807.27
April, 2013	357,111.70	127,111.70	465,271.97	145,136.97
May, 2013	354,398.11	128,898.11	464,600.58	147,463.33
June, 2013	351,671.02	130,671.02	463,925.83	149,786.33
July, 2013	348,930.29	132,430.29	463,247.71	152,105.96
Aug, 2013	346,175.92	134,175.92	462,566.20	154,422.20
Sept, 2013	343,407.78	135,907.78	461,881.28	156,735.03
Oct, 2013	340,625.83	137,625.83	461,192.94	159,044.44
Nov, 2013	337,830.03	139,330.03	460,501.15	161,350.40
Dec, 2013	335,020.25	141,020.25	459,805.91	163,652.91
Jan, 2014	332,196.49	142,696.49	459,107.19	165,951.94
Feb, 2014	329,358.61	144,358.61	458,404.98	168,247.48
March, 2014	326,506.57	146,006.57	457,699.25	170,539.50
April, 2014	323,640.43	147,640.43	456,990.00	172,828.00
May, 2014	320,759.86	149,259.86	456,277.20	175,112.95
June, 2014	317,864.96	150,864.96	455,560.84	177,394.34
July, 2014	314,955.58	152,455.58	454,840.89	179,672.14
Aug, 2014	312,031.73	154,031.73	454,117.34	181,946.34
Sept, 2014	309,093.25	155,593.25	453,390.18	184,216.93
Oct, 2014	306,140.11	157,140.11	452,659.38	186,483.88
Nov, 2014	303,172.28	158,672.28	451,924.93	188,747.18
Dec, 2014	300,189.60	160,189.60	451,186.80	191,006.80
Jan, 2015	297,192.09	161,692.09	450,444.98	193,262.73
Feb, 2015	294,179.58	163,179.58	449,699.45	195,514.95
March, 2015	291,152.04	164,652.04	448,950.20	197,763.45
April, 2015	288,109.57	166,109.57	448,197.20	200,008.20
May, 2015	285,051.75	167,551.75	447,440.44	202,249.19
June, 2015	281,978.73	168,978.73	446,679.89	204,486.39
July, 2015	278,890.32	170,390.32	445,915.54	206,719.79
Aug, 2015	275,786.56	171,786.56	445,147.37	208,949.37
Sept, 2015	272,667.26	173,167.26	444,375.36	211,175.11
Oct, 2015	269,532.40	174,532.40	443,599.49	213,396.99
Nov, 2015	266,381.96	175,881.96	442,819.74	215,614.99
Dec, 2015	263,215.74	177,215.74	442,036.09	217,829.09
Jan, 2016	256,835.90	179,835.90	440,457.01	222,245.51
Feb, 2016	253,622.06	181,122.06	439,661.55	224,447.80
March, 2016	250,392.32	182,392.32	438,862.11	226,646.11
April, 2016	247,146.33	183,646.33	438,058.67	228,840.42
May, 2016	243,884.22	184,884.22	437,251.21	231,030.71
June, 2016	240,605.77	186,105.77	436,439.72	233,216.97
July, 2016	237,311.03	187,311.03	435,624.17	235,399.17
Aug, 2016	233,999.78	188,499.78	434,804.54	237,577.29
Sept, 2016	230,672.01	189,672.01	433,980.81	239,751.31
Oct, 2016	227,327.72	190,827.72	433,152.96	241,921.21
Nov, 2016	223,966.67	191,966.67	432,320.97	244,086.97
Dec, 2016	220,588.93	193,088.93	431,484.82	246,248.57
Jan, 2017	217,194.26	194,194.26	430,644.49	248,405.99
Feb, 2017	213,782.65	195,282.65	429,799.96	250,559.21
March, 2017	210,354.29	196,354.29	428,951.21	252,708.21
April, 2017	206,908.56	197,408.56	428,098.22	254,852.97
May, 2017	203,445.73	198,445.73	427,240.96	256,993.46
June, 2017	199,965.54	199,465.54	426,379.41	259,129.66
July, 2017	196,468.07	200,468.07	425,513.56	261,261.56
Aug, 2017	192,953.07	201,453.07	424,643.38	263,389.13
Sept, 2017	189,420.53	202,420.53	423,768.85	265,512.35
Oct, 2017	185,870.46	203,370.46	422,889.94	267,631.19
Nov, 2017	182,302.59	204,302.59	422,006.64	269,745.64
Dec, 2017	178,717.01	205,217.01	421,118.92	271,855.67
Jan, 2018	175,113.45	206,113.45	420,226.76	273,961.26
Feb, 2018	171,491.91	206,991.91	419,330.14	276,062.39
March, 2018	167,852.62	207,852.62	418,429.04	278,159.04
April, 2018	164,194.86	208,694.86	417,523.44	280,251.19
May, 2018	160,518.95	209,518.95	416,613.31	282,338.81
June, 2018	156,824.60	210,324.60	415,698.63	284,421.88
July, 2018	153,111.93	211,111.93	414,779.37	286,500.37
Aug, 2018	149,380.63	211,880.63	413,855.52	288,574.27
Sept, 2018	145,630.72	212,630.72	412,927.05	290,643.55
Oct, 2018	141,862.21	213,362.21	411,993.94	292,708.19
Nov, 2018	138,074.79	214,074.79	411,056.16	294,768.16
Dec, 2018	134,268.58	214,768.58	410,113.69	296,823.44
Jan, 2019	130,443.28	215,443.28	409,166.51	298,874.01
Feb, 2019	126,598.89	216,098.89	408,214.59	300,919.84
March, 2019	122,735.69	216,735.69	407,257.91	302,960.91
April, 2019	118,852.85	217,352.85	406,296.45	304,997.20
May, 2019	114,950.76	217,950.76	405,330.18	307,028.68
June, 2019	111,029.08	218,529.08	404,359.08	309,055.33
July, 2019	107,087.96	219,087.96	403,383.13	311,077.13
Aug, 2019	103,127.06	219,627.06	402,402.30	313,094.05
Sept, 2019	99,146.40	220,146.40	401,416.56	315,106.06
Oct, 2019	95,146.00	220,646.00	400,425.89	317,113.14
Nov, 2019	91,125.52	221,125.52	399,430.27	319,115.27
Dec, 2019	87,085.11	221,585.11	398,429.67	321,112.42
Jan, 2020	83,024.42	222,024.42	397,424.07	323,104.57
Feb, 2020	78,943.47	222,443.47	396,413.44	325,091.69
March, 2020	74,842.43	222,842.43	395,397.76	327,073.76
April, 2020	70,720.66	223,220.66	394,377.00	329,050.75
May, 2020	66,578.46	223,578.46	393,351.14	331,022.63
June, 2020	62,415.46	223,915.46	392,320.15	332,989.39
July, 2020	58,231.83	224,231.83	391,284.00	334,950.99
Aug, 2020	54,027.19	224,527.19	390,242.67	336,907.41
Sept, 2020	49,801.58	224,801.58	389,196.13	338,858.62
Oct, 2020	45,555.03	225,055.03	388,144.36	340,804.60
Nov, 2020	41,287.15	225,287.15	387,087.33	342,745.32
Dec, 2020	36,998.13	225,498.13	386,025.02	344,680.76
Jan, 2021	32,687.56	225,687.56	384,957.40	346,610.89
Feb, 2021	28,355.49	225,855.49	383,884.44	348,535.68
March, 2021	24,002.29	226,002.29	382,806.11	350,455.10
April, 2021	19,626.89	226,126.89	381,722.39	352,369.13
May, 2021	15,229.82	226,229.82	380,633.25	354,277.74
June, 2021	10,810.66	226,310.66	379,538.67	356,180.91
July, 2021	6,369.61	226,369.61	378,438.61	358,078.60
Aug, 2021	0.00	226,406.24	377,333.05	359,970.79
Sept, 2021	0.00	226,406.24	376,221.97	361,857.46
Oct, 2021	0.00	226,406.24	375,105.33	363,738.57
Nov, 2021	0.00	226,406.24	373,983.11	365,614.10
Dec, 2021	0.00	226,406.24	372,855.28	367,484.02
Jan, 2022	0.00	226,406.24	371,721.81	369,348.30
Feb, 2022	0.00	226,406.24	370,582.67	371,206.91
March, 2022	0.00	226,406.24	369,437.83	373,059.82
April, 2022	0.00	226,406.24	368,287.27	374,907.01
May, 2022	0.00	226,406.24	367,130.96	376,748.45
June, 2022	0.00	226,406.24	365,968.86	378,584.10
July, 2022	0.00	226,406.24	364,800.95	380,413.94
Aug, 2022	0.00	226,406.24	363,627.20	382,237.94
Sept, 2022	0.00	226,406.24	362,447.59	384,056.08
Oct, 2022	0.00	226,406.24	361,262.08	385,868.32
Nov, 2022	0.00	226,406.24	360,070.64	387,674.63
Dec, 2022	0.00	226,406.24	358,873.24	389,474.98
Jan, 2023	0.00	226,406.24	357,669.86	391,269.35
Feb, 2023	0.00	226,406.24	356,460.46	393,057.70
March, 2023	0.00	226,406.24	355,245.01	394,840.00
April, 2023	0.00	226,406.24	354,023.49	396,616.23
May, 2023	0.00	226,406.24	352,795.86	398,386.35
June, 2023	0.00	226,406.24	351,562.09	400,150.33
July, 2023	0.00	226,406.24	350,322.15	401,908.14
Aug, 2023	0.00	226,406.24	349,076.01	403,659.75
Sept, 2023	0.00	226,406.24	347,823.64	405,405.13
Oct, 2023	0.00	226,406.24	346,565.01	407,144.25
Nov, 2023	0.00	226,406.24	344,028.84	410,603.58
Dec, 2023	0.00	226,406.24	342,751.23	412,323.72
Jan, 2024	0.00	226,406.24	341,467.24	414,037.48
Feb, 2024	0.00	226,406.24	340,176.83	415,744.82
March, 2024	0.00	226,406.24	338,879.96	417,445.70
April, 2024	0.00	226,406.24	337,576.61	419,140.10
May, 2024	0.00	226,406.24	336,266.74	420,827.98
June, 2024	0.00	226,406.24	334,950.32	422,509.31
July, 2024	0.00	226,406.24	333,627.32	424,184.06
Aug, 2024	0.00	226,406.24	332,297.71	425,852.20
Sept, 2024	0.00	226,406.24	330,961.45	427,513.69
Oct, 2024	0.00	226,406.24	329,618.51	429,168.50
Nov, 2024	0.00	226,406.24	328,268.85	430,816.59
Dec, 2024	0.00	226,406.24	326,912.44	432,457.93
Jan, 2025	0.00	226,406.24	325,549.25	434,092.49
Feb, 2025	0.00	226,406.24	324,179.25	435,720.24
March, 2025	0.00	226,406.24	322,802.40	437,341.14
April, 2025	0.00	226,406.24	321,418.66	438,955.15
May, 2025	0.00	226,406.24	320,028.00	440,562.24
June, 2025	0.00	226,406.24	318,630.39	442,162.38
July, 2025	0.00	226,406.24	317,225.79	443,755.53
Aug, 2025	0.00	226,406.24	315,814.17	445,341.66
Sept, 2025	0.00	226,406.24	314,395.49	446,920.73
Oct, 2025	0.00	226,406.24	312,969.72	448,492.71
Nov, 2025	0.00	226,406.24	311,536.82	450,057.56
Dec, 2025	0.00	226,406.24	310,096.75	451,615.24
Jan, 2026	0.00	226,406.24	308,649.48	453,165.72
Feb, 2026	0.00	226,406.24	307,194.98	454,708.97
March, 2026	0.00	226,406.24	305,733.20	456,244.94
April, 2026	0.00	226,406.24	304,264.12	457,773.61
May, 2026	0.00	226,406.24	302,787.69	459,294.93
June, 2026	0.00	226,406.24	301,303.88	460,808.87
July, 2026	0.00	226,406.24	299,812.65	462,315.39
Aug, 2026	0.00	226,406.24	298,313.96	463,814.45
Sept, 2026	0.00	226,406.24	296,807.78	465,306.02
Oct, 2026	0.00	226,406.24	295,294.07	466,790.06
Nov, 2026	0.00	226,406.24	293,772.79	468,266.53
Dec, 2026	0.00	226,406.24	292,243.90	469,735.39
Jan, 2027	0.00	226,406.24	290,707.37	471,196.61
Feb, 2027	0.00	226,406.24	289,163.16	472,650.15
March, 2027	0.00	226,406.24	287,611.23	474,095.97
April, 2027	0.00	226,406.24	286,051.54	475,534.03
May, 2027	0.00	226,406.24	284,484.05	476,964.29
June, 2027	0.00	226,406.24	282,908.72	478,386.71
July, 2027	0.00	226,406.24	281,325.51	479,801.25
Aug, 2027	0.00	226,406.24	279,734.39	481,207.88
Sept, 2027	0.00	226,406.24	278,135.31	482,606.55
Oct, 2027	0.00	226,406.24	276,528.24	483,997.23
Nov, 2027	0.00	226,406.24	274,913.13	485,379.87
Dec, 2027	0.00	226,406.24	273,289.95	486,754.44
Jan, 2028	0.00	226,406.24	271,658.65	488,120.89
Feb, 2028	0.00	226,406.24	270,019.19	489,479.18
March, 2028	0.00	226,406.24	268,371.54	490,829.28
April, 2028	0.00	226,406.24	266,715.65	492,171.14
May, 2028	0.00	226,406.24	265,051.48	493,504.72
June, 2028	0.00	226,406.24	263,378.99	494,829.98
July, 2028	0.00	226,406.24	261,698.13	496,146.87
Aug, 2028	0.00	226,406.24	260,008.87	497,455.36
Sept, 2028	0.00	226,406.24	258,311.16	498,755.40
Oct, 2028	0.00	226,406.24	256,604.97	500,046.96
Nov, 2028	0.00	226,406.24	254,890.24	501,329.98
Dec, 2028	0.00	226,406.24	253,166.94	502,604.43
Jan, 2029	0.00	226,406.24	251,435.02	503,870.26
Feb, 2029	0.00	226,406.24	249,694.45	505,127.44
March, 2029	0.00	226,406.24	247,945.17	506,375.91
April, 2029	0.00	226,406.24	246,187.15	507,615.64
May, 2029	0.00	226,406.24	244,420.34	508,846.58
June, 2029	0.00	226,406.24	242,644.69	510,068.68
July, 2029	0.00	226,406.24	240,860.16	511,281.90
Aug, 2029	0.00	226,406.24	239,066.71	512,486.20
Sept, 2029	0.00	226,406.24	237,264.29	513,681.53
Oct, 2029	0.00	226,406.24	235,452.86	514,867.85
Nov, 2029	0.00	226,406.24	233,632.37	516,045.11
Dec, 2029	0.00	226,406.24	231,802.78	517,213.27
Jan, 2030	0.00	226,406.24	229,964.04	518,372.28
Feb, 2030	0.00	226,406.24	228,116.11	519,522.10
March, 2030	0.00	226,406.24	226,258.94	520,662.68
April, 2030	0.00	226,406.24	224,392.48	521,793.97
May, 2030	0.00	226,406.24	222,516.69	522,915.93
June, 2030	0.00	226,406.24	220,631.52	524,028.51
July, 2030	0.00	226,406.24	218,736.93	525,131.67
Aug, 2030	0.00	226,406.24	216,832.86	526,225.35
Sept, 2030	0.00	226,406.24	214,919.27	527,309.51
Oct, 2030	0.00	226,406.24	212,996.12	528,384.11
Nov, 2030	0.00	226,406.24	211,063.35	529,449.09
Dec, 2030	0.00	226,406.24	209,120.92	530,504.41
Jan, 2031	0.00	226,406.24	207,168.77	531,550.01
Feb, 2031	0.00	226,406.24	205,206.86	532,585.85
March, 2031	0.00	226,406.24	203,235.14	533,611.88
April, 2031	0.00	226,406.24	201,253.57	534,628.06
May, 2031	0.00	226,406.24	199,262.09	535,634.33
June, 2031	0.00	226,406.24	197,260.65	536,630.64
July, 2031	0.00	226,406.24	195,249.20	537,616.94
Aug, 2031	0.00	226,406.24	193,227.70	538,593.19
Sept, 2031	0.00	226,406.24	189,154.32	540,515.31
Oct, 2031	0.00	226,406.24	187,102.34	541,461.08
Nov, 2031	0.00	226,406.24	185,040.10	542,396.59
Dec, 2031	0.00	226,406.24	182,967.55	543,321.79
Jan, 2032	0.00	226,406.24	180,884.64	544,236.63
Feb, 2032	0.00	226,406.24	178,791.31	545,141.05
March, 2032	0.00	226,406.24	176,687.52	546,035.01
April, 2032	0.00	226,406.24	174,573.21	546,918.45
May, 2032	0.00	226,406.24	172,448.33	547,791.32
June, 2032	0.00	226,406.24	170,312.82	548,653.56
July, 2032	0.00	226,406.24	168,166.63	549,505.12
Aug, 2032	0.00	226,406.24	166,009.71	550,345.95
Sept, 2032	0.00	226,406.24	163,842.01	551,176.00
Oct, 2032	0.00	226,406.24	161,663.47	551,995.21
Nov, 2032	0.00	226,406.24	159,474.04	552,803.53
Dec, 2032	0.00	226,406.24	157,273.66	553,600.90
Jan, 2033	0.00	226,406.24	155,062.28	554,387.27
Feb, 2033	0.00	226,406.24	152,839.84	555,162.58
March, 2033	0.00	226,406.24	150,606.29	555,926.78
April, 2033	0.00	226,406.24	148,361.57	556,679.81
May, 2033	0.00	226,406.24	146,105.63	557,421.62
June, 2033	0.00	226,406.24	143,838.41	558,152.15
July, 2033	0.00	226,406.24	141,559.85	558,871.34
Aug, 2033	0.00	226,406.24	139,269.90	559,579.14
Sept, 2033	0.00	226,406.24	136,968.50	560,275.49
Oct, 2033	0.00	226,406.24	134,655.59	560,960.33
Nov, 2033	0.00	226,406.24	132,331.12	561,633.61
Dec, 2033	0.00	226,406.24	129,995.03	562,295.27
Jan, 2034	0.00	226,406.24	127,647.26	562,945.25
Feb, 2034	0.00	226,406.24	125,287.75	563,583.49
March, 2034	0.00	226,406.24	122,916.44	564,209.93
April, 2034	0.00	226,406.24	120,533.27	564,824.51
May, 2034	0.00	226,406.24	118,138.19	565,427.18
June, 2034	0.00	226,406.24	115,731.13	566,017.87
July, 2034	0.00	226,406.24	113,312.04	566,596.53
Aug, 2034	0.00	226,406.24	110,880.85	567,163.09
Sept, 2034	0.00	226,406.24	108,437.50	567,717.49
Oct, 2034	0.00	226,406.24	105,981.94	568,259.68
Nov, 2034	0.00	226,406.24	103,514.10	568,789.59
Dec, 2034	0.00	226,406.24	101,033.92	569,307.16
Jan, 2035	0.00	226,406.24	98,541.34	569,812.33
Feb, 2035	0.00	226,406.24	96,036.30	570,305.04
March, 2035	0.00	226,406.24	93,518.73	570,785.22
April, 2035	0.00	226,406.24	90,988.57	571,252.81
May, 2035	0.00	226,406.24	88,445.76	571,707.75
June, 2035	0.00	226,406.24	85,890.24	572,149.98
July, 2035	0.00	226,406.24	83,321.94	572,579.43
Aug, 2035	0.00	226,406.24	80,740.80	572,996.04
Sept, 2035	0.00	226,406.24	78,146.75	573,399.74
Oct, 2035	0.00	226,406.24	75,539.73	573,790.47
Nov, 2035	0.00	226,406.24	72,919.68	574,168.17
Dec, 2035	0.00	226,406.24	70,286.53	574,532.77
Jan, 2036	0.00	226,406.24	67,640.21	574,884.20
Feb, 2036	0.00	226,406.24	64,980.66	575,222.40
March, 2036	0.00	226,406.24	62,307.81	575,547.30
April, 2036	0.00	226,406.24	59,621.60	575,858.84
May, 2036	0.00	226,406.24	56,921.96	576,156.95
June, 2036	0.00	226,406.24	54,208.82	576,441.56
July, 2036	0.00	226,406.24	51,482.11	576,712.60
Aug, 2036	0.00	226,406.24	48,741.77	576,970.01
Sept, 2036	0.00	226,406.24	45,987.73	577,213.72
Oct, 2036	0.00	226,406.24	43,219.92	577,443.66
Nov, 2036	0.00	226,406.24	40,438.27	577,659.76
Dec, 2036	0.00	226,406.24	37,642.71	577,861.95
Jan, 2037	0.00	226,406.24	34,833.17	578,050.16
Feb, 2037	0.00	226,406.24	32,009.59	578,224.33
March, 2037	0.00	226,406.24	29,171.89	578,384.38
April, 2037	0.00	226,406.24	26,320.00	578,530.24
May, 2037	0.00	226,406.24	23,453.85	578,661.84
June, 2037	0.00	226,406.24	20,573.37	578,779.11
July, 2037	0.00	226,406.24	17,678.49	578,881.98
Aug, 2037	0.00	226,406.24	14,769.13	578,970.37
Sept, 2037	0.00	226,406.24	11,845.23	579,044.22
Oct, 2037	0.00	226,406.24	8,906.71	579,103.45
Nov, 2037	0.00	226,406.24	5,953.49	579,147.98
Dec, 2037	0.00	226,406.24	2,985.51	579,177.75
Jan, 2038	0.00	226,406.24	0.00	579,192.68

* The chart and amortization tables above assume the following: Net monthly income of $7,000; combined monthly living and mortgage interest expenses of $5,000; the remaining $2,000 is deposited into the Freedom Asset Manager account each month and is available to the consumer any time and for any purpose while it is reducing the consumer's average daily mortgage principal and monthly interest expense.