Exhibit D
Cost to Individual Borrowers
Avg Loan Amount	$63,774
Interest Rate	6.5% (prime rate)	7.5%	9.5%	10.5%	11.5%	12.5%	13.5%
Total Payments (interest + principal) over 30 years	$145,114	$160,530	$193,049	$210,012	$227,357	$245,028	$262,971
Monthly Payments	$403.10	$445.92	$536.25	$583.37	$631.55	$680.63	$730.48
Total Difference		$7,786	$40,305	$57,268	$74,613	$92,284	$110,227
Monthly Difference		$42.82	$133.15	$180.27	$228.45	$277.53	$327.38
Aggregate Difference in Total Amount Paid for Each Interest Rate (difference x no. of loans)		$121,353,672	$772,877,052	$1,017,926,667	$1,019,183,614	$840,368,666	$1,331,919,641