Map Guide Appendix

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Overview

Instructions
Input Sheet
Projections and Results
Graphed Results
RfR commitmnt ltr attchmnt
Engine

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Sheet 1: Instructions

HUD RfR Financial Factors Tool
Version 1.01
4/12/2016
	INSTRUCTIONS
	This spreadsheet is a template for use by MAP Lenders in preparing a financial plan for funding reserve for replacement needs in accordance with HUD's instructions for such financial plans as described in the 2016 MAP Guide Appendix 5G, Section VII, Subsection C. All lender data entries are made as indicated on the "Input Sheet" and on the project information lines of the "RfR commitment ltr attchmnt." No other entries or changes to the spreadsheet should be made. Instructions for each entry blank or numbered step are as follows:
	User inputs on the "Input Sheet" worksheet are to be typed into the cells with white background. Other cells are protected.
	Project Name	Enter the name as shown on the HUD 92013.
	FHA #	Enter the FHA number assigned to the application.
	Item #1	Enter the number of units in the project.
	Item #2	Enter proposed mortgage amount.
	Item #3	Enter the mortgage interest rate, the term, and the estimated date of endorsement or final endorsement.
	Item #4	Enter the total uninflated cost of all repairs/replacements for each relative year in the estimate period.
	Item #5	Enter the current rate of inflation, then the relative year in which this rate likely will change and then the historic average of annual inflation rates.
	Item #6	Enter the amount of the initial deposit to the RfR (IDRR) if any.
	Item #7	Enter the current rate of interest for short term deposits (3-6 months), the relative year in which this rate likely will change and then the historic average of short term rates.
	Item #8	Enter the amount of the initial or year 1 Annual Deposit per unit to the RfR (ADRR)
	Item #9	Enter the annual rate of change for the ADRR, the relative year when this rate will change and the rate of change for years thereafter.
	Inputs on the "RfR Commitment Ltr Attchmnt" worksheet are to be typed into the cells with white background. Others are protected.
	Project Name and FHA # are automatically entered from the "Input Sheet"
	Enter the following information about the project. Use data that is consistent with the application:
		City
		State
		SOA
		Lender Name
		Date of Firm Commitment (to be input by HUD staff at the time of commitment)
	This spreadsheet differs from the CNA e-tool in that it calculates only 10-year and 20-year schedules for 10-year and 20-year Estimate Periods. The CNA e-tool will allow the user to input other Estimate Periods, when, for example, a project mortgage may have less than twenty years to maturity. Relative Years end on the anniversary of the date you enter as the estimated date when amortization of the mortgage begins.
	Note that most calculations are performed in a hidden worksheet called "Engine" in this workbook, so some cell formulas make reference to that worksheet.

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Sheet 2: Input Sheet

	Project Name								HUD RfR Financial Factors Tool		Version 1.01
	FHA #									4/12/2016			Structuring Results:	REQUIREMENTS MET
	FHA # in conventional format:		00-000000
	Basic Project and Loan data						Initial Deposit to Reserve for Replacements (IDRR)		Rates of Interest Earned on RfR Balances				Minimum Balance Analysis - Years 1 - 10 met?				YES
							(lump sum at closing)
	1. Enter number of units.						6. Enter IDRR, include any transferred amount. Revise as needed to balance.		7. Enter interest income data on the RfR:
			3. Enter information about the mortgage:
			a. Mortgage Interest Rate*						a. Current earnings rate
	2. Enter the mortgage amount.		b. Term in years						b. Historic rate begins at year:
			c. Amortization start date						c. Historic average earnings rate
			* The mortgage rate of interest, not the mortgage constant.
	Capital Needs						Annual Deposit to Reserve for Replacements (ADRR)
	4. Input 20 years of uninflated capital needs below.		5. Enter estimated cost inflation rate(s) to be applied to capital needs:				8. Enter initial ADRR per unit. Revise as needed to balance.		9. Enter % annual rate of change in ADRR:
			a. Current inflation rate						a. Initial rate of change				Approximate Initial deposit exceeding minimum**:				$0
			b. Historic rate begins at year:						b. Later years rate begins at year:				Approximate Annual deposit exceeding minimum**:				#DIV/0!
			c. Historic average inflation rate				Times the # of units equals the base ADRR below:		c. Later years rate of change				**Amount needed to offset smallest margin exceeding minimum in any year from 1-10.
													Minimum Balance Analysis - Years 11 - 20 met?			YES	Mitigated?	N/A
Relative Year			Resulting Inflated Needs withdrawals appear below:						Resulting adjusted ADRRs based on rate(s) of change appear below:
1			$0				$0		$0
2			$0				$0		$0
3			$0				$0		$0
4			$0				$0		$0
5			$0				$0		$0
6			$0				$0		$0
7			$0				$0		$0
8			$0				$0		$0
9			$0				$0		$0
10			$0				$0		$0
11			$0				$0		$0				Is 50% of Loan Amortization sufficient to offset any year 11-20 RfR
12			$0				$0		$0				required minimum shortfalls? (That is, are all bars below < 50%?)					YES
13			$0				$0		$0
14			$0				$0		$0
15			$0				$0		$0
16			$0				$0		$0
17			$0				$0		$0
18			$0				$0		$0
19			$0				$0		$0
20			$0				$0		$0
TOTALS	$0		$0				$0		$0
	Note:
	Initial 10-yr min. bal. / unit		N/A
	Initial 20-yr min. bal. / unit		N/A
											Version 1.01

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Sheet 3: Projections and Results

		Project Name from Input Sheet	0
		FHA # from Input Sheet	0
		Structuring Results:	REQUIREMENTS MET
								Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year
		Year of Deposit or Withdraw						1	2	3	4	5	6	7	8	9	10	11	12	13	14	15	16	17	18	19	20	Totals
		Initial Deposit						$0
		RfR Beginning Balance						$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
		Interest Income on RfR balance						$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
		RfR balance before RfR deposit						$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
		RfR Deposit (as inflated)						$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
		RfR balance Available for Needs						$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
		Inflated Needs (Withdrawal)						$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
		Ending RfR Balance						$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
					Lowest RfR balance years 1-10	$0
					Lowest RfR balance years 11-20	$0
		Net Annual Change in RfR balance						$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
		Minimum Balances Analysis Years 1-10
		Inflated 10-year Estimate Period minimum balance				Mininum balance (yr 1 shown)		$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
	Margin>min.				Lowest margin, years 1-10	$0		$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
		Minimum Balance Met-Yrs 1-10	YES		0	Violations		OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
		Min. Balance/Mitigation Analysis Years 11-20
		Inflated 20-year Estimate Period minimum balance				Mininum balance (yr 1 shown)		$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
	Margin>min.				Lowest margin, years 11-20	$0		$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
		Minimum Balance Met-Yrs. 11-20?	YES		0	Violations		N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK
		If Min. Balance is not met, does principal amortization calculated below mitigate it?
			N/A					N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502
		Loan Amortization Test for Outyear Deficits-Yrs 11-20
	Margin>min.				Lowest margin, years 11-20	Err:502		$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502
		Are Shortfalls <50% of Principal Paydown	YES		0	Violations		N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502
		Cumulative Principal Amortization						Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502
		If a shortfall, shortfall as a % of Cumulative Principal Amortization						N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
						Version 1.01

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Sheet 4: Graphed Results

	Project Name from Input Sheet	0
	FHA # from Input Sheet	0

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Sheet 5: RfR commitmnt ltr attchmnt

				This schedule is to be attached to the Firm Commitment letter
	The following amounts and assumptions are incorporated by reference into the terms of the Commitment Letter for the referenced project
								Version 1.01
	Project Name		0
	FHA #		00-000000
	Project City
	Project State
	SOA
	Lender
	Commitment letter date
	Initial Deposit to Reserve for Replacements (IDRR)
		Initial deposit, including any transferred reserves					$0
	Annual Deposit to Reserve for Replacements (ADRR)
					Approved annual % rate(s) of change in ADRR:
	Initial ADRR per unit		Number of units		a. Initial rate of change		0.00%
	$0		0		b. Later years rate begins at year:		0
					c. Later years rate of change		0.00%
	Relative Year		Initial ADRR per unit x the # of units is the base ADRR below:		Adjusted ADRR based on rate(s) of change:		Adjusted ADRR per month
	1		$0		$0		$0.00
	2		$0		$0		$0.00
	3		$0		$0		$0.00
	4		$0		$0		$0.00
	5		$0		$0		$0.00
	6		$0		$0		$0.00
	7		$0		$0		$0.00
	8		$0		$0		$0.00
	9		$0		$0		$0.00
	10		$0		$0		$0.00
	Total		$0		$0
	The ADRR may be amended in future years based on HUD review of actual repair and replacement
	needs and in any event ADRR will be adjusted based on a new capital needs assessment (CNA)
	which must be completed not later than 10 years after the date of Endorsement/Final Endorsement.
								Version 1.01

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Sheet 6: Engine

							Use the 1, 2, and 3 in the upper left margin, or the + and - signs, to show or hide grouped rows to allow useful views of this spreadsheet.
	<<<	When sheet is unprotected, Click on this row 55 margin + or - sign to show or hide rows 1-54 which include the input cells and structuring results and then click the hyperlink below to
		See input, summary and violation status					Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year	Relative Year
		Year of Deposit or Withdraw					1	2	3	4	5	6	7	8	9	10	11	12	13	14	15	16	17	18	19	20	Totals
		Year ending					12/31/1900	12/31/1901	12/31/1902	12/31/1903	12/31/1904	12/31/1905	12/31/1906	12/31/1907	12/31/1908	12/31/1909	12/31/1910	12/31/1911	12/31/1912	12/31/1913	12/31/1914	12/31/1915	12/31/1916	12/31/1917	12/31/1918	12/31/1919
		Initial Deposit					$0.00
		RfR Beginning Balance					$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
		Times Assumed Earnings rate of					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%
		Interest Income on RfR balance					$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
		RfR balance before RfR deposit					$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
		Base Annual RfR Deposit					$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
		Times Increase rate on Deposit					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%
		Calculated cumulative inflation					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%
		Inflationary Increase in Annual Deposit					$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
		RfR Deposit (as inflated)					$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
		RfR balance Available for Needs					$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
		Subtotal: Increase in RfR balance (Interest + inflated RfR deposit)					$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
		Uninflated Needs					John Bell: Linked to Input tab. $0	John Bell: Linked to Input tab. $0	John Bell: Linked to Input tab. $0	John Bell: Linked to Input tab. $0	John Bell: Linked to Input tab. $0	John Bell: Linked to Input tab. $0	John Bell: Linked to Input tab. $0	John Bell: Linked to Input tab. $0	John Bell: Linked to Input tab. $0	John Bell: Linked to Input tab. $0	John Bell: Linked to Input tab. $0	John Bell: Linked to Input tab. $0	John Bell: Linked to Input tab. $0	John Bell: Linked to Input tab. $0	John Bell: Linked to Input tab. $0	John Bell: Linked to Input tab. $0	John Bell: Linked to Input tab. $0	John Bell: Linked to Input tab. $0	John Bell: Linked to Input tab. $0	John Bell: Linked to Input tab. $0	$0.00
		Needs Inflation rate					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%
		Calculated cumulative inflation					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%
		Inflation in Needs Amount					$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
		Inflated Needs (Withdrawal)					$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
		Ending RfR Balance					$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
					Lowest RfR balance years 1-10	$0
					Lowest RfR balance years 11-20	$0
		Note: Highest Annual Withdrawal to equalize Sources and Needs graphs scales															$0.00
		Net Annual Change in RfR balance					$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
		Minimum Balances Analysis Years 1-10
		Minimum HUD standard (Total needs uninflated/Estimate Period x needs inflation rate)
		10-year period total needs - ten year average					$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable
		Needs Inflation rate					0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
		Calculated cumulative inflation		Approx. offsets needed			0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
		Inflation in Needs Amount	Initial dep.			Ann dep.	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
		10 Yr Minimum Balance-inflated	$0			#DIV/0!	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
		Margin exceeding Minimum Balance					$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
					Lowest margin, years 1-10	$0
		Minimum Balance Met-Yrs 1-10	YES		0	Violations	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
		Min. Balance/Mitigation Analysis Years 11-20																								0.00%
		20-year period total needs - 20 year average					$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
		Needs Inflation rate					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%
		Calculated cumulative inflation		Approx. offsets needed			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%
		Inflation in Needs Amount	Initial dep.			Ann dep.	$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
		20 Yr Minimum Balance-inflated	$0			#DIV/0!	$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
		Margin exceeding Minimum Balance					$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
					Lowest margin, years 11-20	$0
		Minimum Balance Met-Yrs. 11-20?	YES		0	Violations	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK
		If Min. Balance is not met, does principal amortization calculated below mitigate it?					N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502
			N/A
		Loan Amortization Test for Outyear Deficits-Yrs 11-20
		Original Mortgage Amount					$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
		Cumulative Mortgage Payments					12	24	36	48	60	72	84	96	108	120	132	144	156	168	180	192	204	216	228	240	$2,520.67
		Mortgage Balance End of Period		Apx. offsets needed			Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502
		Amount Paid	Initial dep.			Ann dep.
		Cumulative Paid (formula check)	Err:502			Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502
		Mitigant available = 50% of cumulative mortgage principal paid					Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502
		Margin Exceeding 50% of Amortization Test															Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502
					Lowest margin, years 11-20	Err:502
		Are Shortfalls <50% of Principal Paydown	YES		0	Violations	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502
		App 5.G.C.3.d.(4)				$0
		Inflation Rate on Deposit
		Inflation Rate on Capital Needs
		RFRR Deposit / Unit / Year
		Inflated Needs / Unit / Year
							Data for graphs:				Year of Deposit or Withdraw	1	2	3	4	5	6	7	8	9	10	11	12	13	14	15	16	18	19	20
											Interest Income on RfR balance	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0
											Base Annual RfR Deposit	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0
											Inflationary Increase in Annual Deposit	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0
											Note: Highest Annual Withdrawal to equalize Sources and Needs graphs scales	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0
											Total Flowing into the R4R	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0
											Year of Deposit or Withdraw	1.00277777777778	2	3	4	5	6	7	8	9	10	11	12	13	14	15	16	18.0027777777778	19.0027777777778	20.0027777777778
											Uninflated Needs	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
											Inflation in Needs Amount	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
											Total Flowing out of the R4R	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
											Year of Deposit or Withdraw	1.00277777777778	2	3	4	5	6	7	8	9	10	11	12	13	14	15	16	18.0027777777778	19.0027777777778	20.0027777777778
											Net Annual Change in R4R	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
											Year of Deposit or Withdraw	1	2	3	4	5	6	7	8	9	10	11	12	13	14	15	16	18.0027777777778	19.0027777777778	20.0027777777778
											Initial Deposit	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	#REF!	#REF!	#REF!
											Interest Income on RfR balance	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	#REF!	#REF!	#REF!
											Base Annual RfR Deposit	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	#REF!	#REF!	#REF!
											Inflationary Increase in Annual Deposit	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	#REF!	#REF!	#REF!
											Accumulated Sources	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	#REF!	#REF!	#REF!
											Year of Deposit or Withdraw	1.00277777777778	2	3	4	5	6	7	8	9	10	11	12	13	14	15	16	18.0027777777778	19.0027777777778	20.0027777777778
											Uninflated Needs	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	#REF!	#REF!	#REF!
											Inflation in Needs Amount	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	#REF!	#REF!	#REF!
											Accumulated Uses	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	#REF!	#REF!	#REF!
											Note: Gap between highest cumulative R4R Sources and Needs to equalize graphs scales										$0
											Accumulated Gap	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	#REF!	#REF!	#REF!
											Location of Gap line	0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	#REF!	#REF!	#REF!
											Year of Deposit or Withdraw	1.00277777777778	2	3	4	5	6	7	8	9	10
											Ending RfR Balance	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
											10 Yr Minimum Balance-inflated	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
											Margin exceeding Minimum Balance	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
											Year of Deposit or Withdraw	1	2	3	4	5	6	7	8	9	10	11	12	13	14	15	16	18.0027777777778	19.0027777777778	20.0027777777778
											Ending RfR Balance	$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
											20 Yr Minimum Balance-inflated	$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
											Margin exceeding Minimum Balance	$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
											Year of Deposit or Withdraw	1.00277777777778	2	3	4	5	6	7	8	9	10	11	12	13	14	15	16	18.0027777777778	19.0027777777778	20.0027777777778
											Ending RfR Balance	$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
											RfR shortfall vs. minimum requiring offset (inverse of green line below)	$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
											50% of cumulative amortization (beg. Yr 11)	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502	Err:502