7.1 HRSR 11-02-2015 CIt Of
1 Request for Action
River
To Item Number
Housing and Redevelopment Authority 7.1
Agenda Section Meeting Date Prepared by
General Business November 2,2015 Colleen Eddy, Economic Development Specialist
Item Description Reviewed by
Update on HRA Rehabilitation Loan Program Amanda Othoudt, EDD
Reviewed by
Cal Portner, City Administrator
Action Requested
• Receive information on the city's Housing Rehabilitation Program.
• Approve, by motion, one mortgage and repayment agreement.
Background/Discussion
Four projects have been completed to date, one project is waiting to be recorded, two are currently under
construction, and one is waiting for HRA approval.
Over$167,021 has been disbursed over the three-year rehabilitation program period.
The mortgage and repayment agreement being requested for approval tonight is a binding agreement
between the homeowner and CMHP. Once the project is complete, the HRA will receive an executable
mortgage and repayment agreement which will include truth in lending agreements and the amortization
schedule and any additional required documents.
Staff continues to work with CMHP on advertising. An advertisement is included in the winter edition of
the Elk River Current. Staff is also advertising the program through social media and will host an
upcoming informational meeting before the end of the year.
Financial Impact
None
Attachments
• CMHP Monthly Report dated October of 2015
• Mortgage and Repayment Agreement—Hicks, 1205 4th St. NW
reIEREl Ir
NATURE
12014 Elk River HRA Homeowner Rehab Program Monthly Report October 2015
Updated:10/28/15
Completed Projects �.1 t
App.Date Name Project# Home Address Date Current Status Loan amount Loan rate Loan term Lead Paint Recording Monthly
Approved Inspect Fees Payment
2 8/27/2014 Shawn&Deborah Menning ER-4 525 8th St.NW 8/27/2014 completed $18,657.00 2.25 10 $567 $46 $173.77 q
4 8/28/2014 Marlin&VickkStimpson ER-5 608 Jefferson Lane NW 2/23/2015 completed $20,650.00 2.25 10 $0 $46 $192.33
1 8/21/2014 Scott&Cindi Thompson ER-3 1021 4th St.NW 8/2712014 .completed $22,000.00 2.25 +10 $915 $46 $204.90
3 6/19/2014 Chad&Jayme Swenson ER-1 602 Gates Ave.NW 7/14/2014 completed $25,000.00 3.25 15 $915 $46 $175.67
6 3/16/2015 Barbara&Jerome Oleson ER-6 420 Main St NW 3/18/2015 waiting for recorded documents $24,377 3.25 15 .$915 $46 $171.29
i
Projects Under Construction
App.Date Name Project# Home Address Date Current Status Loan amount Loan rate Loan term Lead Paint Recording Monthly
Approved inspect. Fees Payment
5 3/26/2015 Jon&Ann Jungers ER-7 928 Main St.NW 3/30/2015 Under construction $24,900.00 3.25 .115 $567 $46 $174.96
8 4/9/2015 Samuel&Audrey Mahon ER-9 501 6th St.NW 4/9/2015 Under construction $6,437.00 1.251 5$915 $46 $187.34
Projects Ready for Construction
App.Date Name Project# Home Address Date Current Status Loan amount Loan rate oan term Lead Paint Recording Monthly
_ Approved _ inspect. _Fees Payment
6/5/2015 Matt&Carol Hicks ER-10 1205 4th St NW 6/5/2015 waiting for HRA Approval 25,000 3.25 15 $567
Projects Bidding/Waiting for Approved Scope
App. Name Project# Home Address Date Current Status Loan amount Loan rate -oan term Lead Paint Recording Monthly
�^ Approved inspect Fees Payment
7 3/27/2015 Kara&Joe Holman ER-8 1028 Main St.NW 3/31/2015 holding off at owners request _, $567
Approved Applications
A;;757-le Name Project#IHome Address 'Date Current Status Loan amount Loan rate loan term Lead Paint Recording Monthly
Approved inspect Fees Payment
A.•Iicatlons in Process
•..Date Name 11111111.111 Home Address
Three year total rehab funds below: _
$255,000
Total loan amounts/rehab funds: $167,021 otal LBP: $5,928
Rehab balance: $82,051
Mortgage and Repayment Agreement
(Elk River HRA Owner-Occupied Housing Rehabilitation Program)
This mortgage is exempt from Mortgage Registration Tax imposed by Minnesota Statutes,§287.035,
pursuant to Minnesota Statutes,§287.04,because the principal amount of the mortgage loan referred
to herein is made under an affordable housing program and the mortgagee is the Housing and
Redevelopment Authority in and for the City of Elk River,a Minnesota body corporate and politic.
THIS MORTGAGE AND REPAYMENT AGREEMENT(this"Mortgage"), is made and entered into this
27th Day of October,2015(the"Effective Date"),by and between Matthew R.Hicks and Carol Marie Hicks,
a married couple,(the"Owner")the owner of the property located at 1205 46 St.NW,Elk River,MN 55330
and legally described as set forth in the attached Exhibit A (the "Property") and the Housing and
Redevelopment Authority in and for the City of Elk River,(the"HRA"),having its principal office at 13065
Orono Pkwy NW,Elk River,MN 55330.
NOW THEREFORE, in consideration of the Installment Loan described below and for other good and
valuable consideration,the parties do hereby agree as follows:
1, In accordance with the Elk River Owner-Occupied Housing Rehabilitation Policies and Procedures
(the"Procedures")and the Owner's Application dated June 56,2015 (the"Application"),both of
which are incorporated herein by reference as if fully set forth herein,the HRA has agreed to make
to Owner a Housing Rehabilitation Loan,(the"Installment Loan"),relating to the Property, in the
amount of Twenty-Five Thousand and 00/100($25,000.00)Dollars.The Installment Loan shall be
disbursed directly to the contractor performing the work on the Property described in the Application
in accordance with the Procedures.The Owner agrees to repay to the HRA in the Installment Loan
plus interest thereon at the rate of 3.25% per annum in installments of principal and interest of
$175.67 per month,beginning on January 1,2016 , through and including
December 1,2030 (the "Final Maturity Date") in accordance with the
amortization schedule and the Truth in Lending Statement signed by Owner both attached as
Exhibit B. The Owner may prepay the Installment Loan in whole,together with accrued interest
thereon,to the LIRA on any business day.
2. Owner covenants and agrees with the HRA that if the Property is transferred or otherwise conveyed,
voluntarily or involuntarily,either while the Owner is living or by reason of the death of the Owner
prior to the Final Maturity Date, the Installment Loan and all accrued interest thereon shall be
immediately due and payable and shall be repaid in full to the I-IRA.
3. As security for Owner's obligation to repay the Installment Loan and accrued interest thereon, and
the cost, including reasonable attorney's fees,of collecting the same,and subject to the terms and
conditions of this Mortgage,Owner hereby grants,and HRA shall and hereby does have,a statutory
mortgage on the Property in accordance with Minnesota Statutes,Section 507.15.
4. The Owner covenants with the HRA the following statutory covenants;
a. To warrant the title to the Property; subject to permitted encumbrances as set forth in
Exhibit C.
b. To pay the indebtedness as herein provided.
c. To pay all taxes.
d. That the Property shall be kept in repair and no waste shall be committed.
e. That the whole of the principal sum shall become due after default,in the payment of any
installment of principal or interest, or of any tax, or in the performance of any other
covenant,at the option of the HRA.
f. To pay principal and interest on prior mortgages.
5. If default be made in any payment or covenant herein,the HRA shall have the statutory power of
sale,and on foreclosure may retain statutory costs and attorney's fees.
6. For the protection of the HRA,the Owner will,during all the time until the indebtedness secured by
this mortgage is fully paid,maintain all risk property insurance,naming the HRA as an additional
insured, in an amount not less than the full insurable replacement value of the Property. Said
insurance shall be written by a company or companies licensed to do business in Minnesota and
rated Class A-:V11 or better by A.M. Best Company. The term"full insurable replacement value"
shall mean the actual replacement cost of the Property(excluding foundation and excavation costs
and costs of underground flues,pipes,drains,and other items customarily omitted from replacement
cost valuation for insurance purposes),without deduction for depreciation. The Owner will assign
and deliver the policies of such insurance to the HRA so and in such manner and form that the HRA
shall at all times,until the full payment of said indebtedness, have and hold the said policies as a
collateral and further security for the payment of said indebtedness,or at the option of the HRA will
make such policies payable in case of loss to the HRA as its interest may appear and will deposit
them with the HRA,and in default of so doing,that the I-IRA may,but has no obligation to,obtain
such insurance from year to year,or for one or more years at a time,and pay the premiums therefor,
and that the Owner will forthwith repay to the HRA the same,with interest at the mortgage rate,and
that the same shall become a part of the debt secured by this mortgage in like manner as the principal
sum. The Owner may retain any moneys received by him/her on the policies, but the same shall
apply in part payment of this mortgage.
7. This Mortgage shall terminate and shall be of no further force or effect upon payment in full of the
Installment Loan and accrued interest thereon.
8. The Owner will indemnify, save, and hold harmless the HRA, the City of Elk River, Minnesota,
Central Minnesota Housing Partnership,Inc.,their officers,agents,and employees,from and against
any claim,cause of action,damage,liability,loss or expense, including attorney's fees incurred by
the HRA,made by any party in connection with or arising from(i)the presence,if any,of hazardous
• wastes or pollutants on the Property;(ii)any loss or damage to property or any injury to or death of
any person occurring at or about or resulting from any defect in the Property,(iii)the performance
of,or failure to perform,this Mortgage. Nothing herein shall be deemed a waiver of any statutory
limitations of liability or immunity.
9. This Mortgage shall run with the aforesaid real estate and shall inure to the benefit of and be binding
upon the parties hereto and their respective heirs,executors,representatives,successors,and assigns.
10. Any forbearance by the HRA in exercising any right or remedy shall not be a waiver of or preclude
the exercise of any right or remedy.
11. This Mortgage shall be governed by the law of the state of Minnesota. In the event that any provision
or clause of this Mortgage conflicts with applicable law, such conflict shall not affect other
provisions of this Mortgage which can be given effect without the conflicting provision. To this
end,the provisions of this Mortgage are declared to be severable.
12. This Agreement may be executed in any number of counterparts,each of which shall constitute one
and the same instrument.
In witness whereof the Owner has duly executed this Rehabilitation Program Mortgage and Repayment
Agreement.
Owner and Mortgagor:
���
atthew R.Hicks
m Ac 4 % /I5
Carol Marie Hicks
STATE OF MINNESOTA)
)ss.
COUNTY OF(9Ne+'bum)
The foregoing instrument was acknowledged before me this 29 day of 0 Ct th U ,2015,by
Matthew R.Hicks and Carol Marie Hicks,a married couple.
JENNIFER O.JOHNSON •
t ' l Notary Public
My Comm Egifes January 31,2020 Notary Public
Accepted and agreed to by:
HOUSING AND REDEVELOPMENT
AUTHORITY IN AND FOR THE CITY
OF ELK RIVER
By
Its
By
Its
STATE OF MINNESOTA)
)ss.
COUNTY OF( )
The foregoing instrument was acknowledged before me this day of ,20_,by
the and , the
,respectively,of the Housing and Redevelopment Authority in and for the City
of Elk River,a body corporate and politic organized and existing under the Constitution and laws of the State
of Minnesota,on behalf of said Authority
Notary Public
THIS INSTRUMENT DRAFTED BY:
Housing and Redevelopment Authority for the City of Elk River
13065 Orono Pkwy NW
Elk River,MN 55330
C_1
Exhibit A
Legal Description of Property
the North 110 feet of Lot One(1),Block One(1),and the East Half(E 'V2)of the North 110 feet of Lot
Two(2),Block One(I),Thomas Addition to the Village of Elk River,Sherburne County,Minnesota.
A_1
Exhibit B
Amortization Schedule and Truth in Lending Statement
R_1
Exhibit C
Permitted Encumbrances
C-1
Loan Amortization Schedule
Enter values Instructions
Loan amount $ 25,000.00 i Must be between 1 and 30 yea's
Annual interest rate 3.250% II your exita payment,von, eillei them in the Nit'le beis.,
Loan period in years 15
Start date of loan 1/1/20161
Optional extra payments
Scheduled monthly payment
1-$ 175.67
Scheduled number of payments 180
Actual number of payments 180
Total ot early payments $ -
Total interest 5 6620.09
Beginning Scheduled
No. Payment Date Balance Payment Extra Payment Total Payment Principal Interest Ending Balance
I 1/1/2016 $ 25,000,00 $ 175.67 4.744---77-;.:- $ 175.67 $ 107.96 $ 67.71 $ 24,892.04
2 2/1/2016 $ 24,892.04 $ 175,67.1,..4[1,..,7-.,1„:11,7i1),,H1%.„:-!:-$ 175.67 $ 108.25 $ , 67.42 $, 24,783.79
3 ' 3/1/2016 -$ 24,783.79 $ 175.67 -i:74.11i-111-:?-3itri:J.„ $ 175.67 $ 108.54 1$. 67.12 $ ' 24,675.25
4 4/1/2016 $ 24,67525 $ 175.67 i.1,-,:1:i,111:;7.4 $ 175.67 $ 108.84 '''.., 66.83 $ 24,566.41
5 5/1/2016 $ 24,566,41 $ .175.67 Yi$1711..',..1i-,1:::=`,.:5.,;-„, $ 175.67 $ 109.13 $ 66.53 $ 24.457.27
6 6/1/2014 $ 24,451727 , $ 17167-5.1'W1 '11
,111 . .e117:-. $ 175.67 67 $109.43 $ 46'24 $ ' 24'347'85
-7,,,: 7/1/2016 $ 24,347.85' 4„. 175.67 . .;,,,..iry, $ 175.67 $ 109.73 $ , 65.94 $ 24,238.12
8 8/1/2016 ,$ .24,238.12 $ -:-_. 175,67 -1' .*1:1,%-i/:;11-4-1' 1,-,-",..11-'', $ 175.67 $ 110.02 $ 65.64 $ 24,128.10
9 .9/1/2016 $ 24,128.10 $ 175.67 1;:-.7r:',,e,,.-:-4.'%`-. $ 175.67 $ 110.32 $ 65.35 $ 24.017,78
10 10/1/2016 $ 24,017.78 $ 175.67 114 --,,,,is110.1,!..„,, :111 $ 175.67 $ 110.62 $ 65.05 $ 23,907.16
11 11/1/2016 $ 23,907.16 $,-., 175.67 , - r:,„1-. 44,..11171,-„,.., $ 175.67 $ 110.92 $ 64.75 $ 23,796.24
12 12/1/2016 $ 23,796.24 $ 175.67 "i,.;i' -
..."-1;- $ 175.67 $ 111.22 $ 64.45 $ 23,685.02
111-1,1f,1-
13 1/1/2017 $ 23,685:02 $ 175.67 .....$,.../t.,,,1-‘1,,Z;,..; -V $ 175.67 $ 111.52 $ - 64.15 $ 23,573.50
--.1/6
14 2/1/2017 $ 21573.501/$ ,, $ --' -,-1,14...,,,,-. , $ 175.67 $ 111.82 $ 63.84 $ 23,461.68
175.67 ,,„„. '
15 3/1/2017 $ 23,461.68 $1-1'1,11 175.67 --4 ?A'
-;.:4„:„..:,,., , ,,,.., $ 175.67 $ 112.13 $ 63.54 $ 23,349.55
16 4/1/2017 $ 23,349.55 $ 175.67 --$ &1.-1111-';t'11- -1'11 $ 175.67 $ 112.43 $ 63.24 $ 23,237.12
17 5/1/2017 $ 23,237.12 $ 175.67 11114,...-, ,- 1'r,-.--,,..,.. $ 175.67 $ 112.73 $ 62.93 $ 23,124.39
18 6/1/2017 $ 23,124.39 $ 175.67 ''..$ „:-.=. - - -1`11111,1 $ 175.67 $ 113.04 $ 62.63 $ 23,011.35
19 7/1/2017 $ 23.011.35 $ 175.67 $ •-.- $ 175.67 $ 113.34 $ 62.32 $ 22,898.01
20 8/1/2017 $ 22,898.01 $ 175.67 , i.'i.,„,„,, „ $ 175.67 $ 113.45 $ 62.02 $ 22,784,36
21 9/1/2017 $ 22,784.36 $ 175.67 ,AI-... „.1211.1;'11: $ 175.67 $ 113.96 $ 61.71 $ 22,670.40
,.---.Te„ -.11--1%..-- .
22 10/1/2017 $ 22,670.40 $ 175.67 14:,,,,,,,,,7',,,,, ' .. ., $ 175.67 $ 114.27 $ 61.40 $ 22,556.13
23 11/1/2017 $ 22,556.13 $ 175.67 "!,$411111111-f-,„1:: -.1. $ 175.67 $ 114.58 $ 61.09 $ 22,441.55
24 12/1/2017 $ 22,441.55 $ 175.67 '11$''1,1-.:1- -:,.1,..-17, ,;11' $ 175.67 $ 114.89 $ 60.78 $ 22,326.66
25 1/1/2018 $ 22,326.66 $ 175,67 $ : :-,4 ,:- $ 175.67 $ 115.20 $ 60.47 $ 22,211.46
26 2/1/2018 $ 22,211.46 $ 175.67 f4,,, ,:: .,.' $ 175.67 $ 115.51 $ 60.16 $ 22,095.95
,
27 3/1/2018 $ 22,095.95 $ 175.67 '$'' --I, , $ 175 67 $ 115.82 $ 59.84 $ 21,980.13
28 4/1/2018 $ 21,980.13 $ 175.67 $ ,1 - ' $ 175.67 $ 116.14 $ 59.53 $ 21,863.99
,
29 5/1/2018 $ 21,863.99 $ 175.67 z$ - . $ 175,67 $ 116.45 $ 59.21 $ 21,747.54
30 6/1/2018 $ 21,747.54 $ 17547 '$ - $ 175.67 $ 116.77 $ 58.90 $ 21,630.77
31 7/1/2018 $ 21,630.77 $ 175.67 $ - $ 175.67 $ 117.08 $ 58.58 $ 21,513.69
32 8/1/2018 $ 21,513.69 $ 175.67 $ - $ 175.67 $ 117.40 $ 58.27 $ 21,396.29
33 9/1/2018 $ 21,396.29 $ 175.67 $ - $ 175.67 $ 117.72 $ 57.95 $ 21,278.57
34 10/1/2018 $ 21,278.57 $ 175.67 $ - $ 175.67 $ 118.04 $ 57.63 $ 21,1 60.53
35 11/1/2018 $ 21,160.53 $ 175.67 1 - $ 175.67 $ 118.36 $ 57.31 $ 21,042.17
36 12/1/2018 $ 21,042,17 $ 175.67 5 - $ 175.67 $ 118.68 $ 56.99 $ 20,923,49
37 1/1/2019 $ 20,923.49 $ 175.67 $ - $ 175.67 $ 119,00 $ 56 67 $ 20,804.49
38 2/1/2019 $ 20,804.49 $ 175.67 3 - $ 175.67 $ 119.32 $ 56.35 $ 20.685 17
39 3/1/2019 $ 20,685.17 $ 175.67 3 . $ 175.67 $ 119.64 $ 56.02 $ 20,565.53
40 4/1/2019 $ 20,565.53 $ 175.67 $ - $ 175.67 $ 119.97 $ 55.70 $ 20,445.56
41 5/1/2019 $ 20,445.56 $ 175.67 $ $ 175 67 $ 120 29 $ 55.37 $ 20,325 27
42 6/1/2019 $ 20,325.27 $ 175.67 $ - $ 175.67 $ 120.62 $ 55.05 $ 20.204 65
43 7/1/2019 $ 20,204.65 $ 175.67 3. $ 175.67 $ 120.95 $ 54.72 $ 20,083.70
44 8/1/2019 $ 20,083 70 $ 175.67 3 $ 175,67 $ 121.27 $ 54.39 $ 19.962.43
45 9/1/2019 $ 19.962 43 $ 17567 3 $ 175 67 $ 121.60 $ 54 06 $ 19,840.82
Beginning Scheduled
No. Payment Date Balance Payment Extra Payment Total Payment Principal Interest Ending Balance
46 10/1/2019 $ 19,840.82 $ 175.67 $ " $ 175.67 $ 121.93 $ 53.74 $ 19,718.89
47 11/1/2019 $ 19,718.89 $ 175.67 $ $ -$ $ 122.26 $ 53.41 $ 19.596.63
48 12/1/2019 $ 19.596:63 $ 175.67 °-$ $ 175.67 $ 122.59 $ 53.07 $ 19,474.04
49 1/1/2020 $ 19,474.04 $ 175.67 $ - $ 175.67 $ 12293 $ 52.74 $ 19,351.11
50 2/1/2020 $ 19.351,11 $ 175.67 $ . $ 175.67 $ 123.26 $ 52.41 $ 19,227.85
51 3/1/2020 $ 19,227.85 $ 175.67 $ - . ,..."-t.'.,.. $ 175.67 $ 123.59 $ 52.08 $ 19,104.26
52 4/1/2020 $ 19,104.26 $ 175.67 $ ..- ;,' $ 175.67 $ 123.93 $ 51.74 $ 18,980.34
53 5/1/2020 $ 18,980.34 $ 175.67 $ $ 175.67 $ 124.26 $ 51,41 $ 18,856.07
54 '6/1/2020 $ 18,856.07 $ 175.67 a`$ $ 175.67 $ 124.60 $ 51.07 $ 18,731.47
55 7/1/2020 4 18,731.47 $ 175.67 $ ▪ „. - $ 175.67 $ 124.94 $ 50.73 $ 18.606.54
56 8/1/2020 $ 18,606.54 $ 175.67 $ ' $ 175.67 4 125.27 $ 50.39 $ 18,481.26
57 9/1/2020 $ 18,481.26 $ 17567 4 . _ $ 175.67 $ 125.61 $ 50.05 $ 18,355.65
58 10/1/2020 $ 18,355.65 $ 175.67 0 i= ; ! $ 175.67 $ 125.95 $ 49.71 $ 18,229.70
59 11/1/2020 4 18,229.70 $ 175.67 $ , , $ 175.67 4 126.30 $ 49.37 $ 18,103.40
60 12/1/2020 $ 18,103.40 $ 175.67 $ - $ 175,67 $ 126.64 $ 49.03 $ 17,976.76
61 1/1/2021 $ 17,976.76 $ 175.67 V.$ - $ 175.67 $ 126.98 $ 48.69 $ 17,849.78
62 2/1/2021 $ 17,849.78 $ 175.67 ?$ ▪ - $ 175.67 $ 127.32 $ 48.34 $ 17,722.46
63 3/1/2021 $ 17,722.46 $ 175.67 1$ $ 175.67 $ 127.67 $ 48.00 $ 17,594.79
64 4/1/2021 $ 17,594.79 $ 175.67 k$ 4 $ 175.67 $ 128.01 $ 47.65 $ 17,466.78
65 5/1/2021 $ 17,466.78 $ 175.67 `$ : $ 175.67 $ 128.36 $ 47.31 $ 17,338,42
66 6/1/2021 4 17,338.42 $ 175.67 , $ 175.67 $ 128.71 $ 46.96 $ 17,209.71
67 7/1/2021 $ 17,209.71 $ 175 67 �,.. $ 175.67 4 129.06 $ 46.61 $ 17,080.65
68 8/1/2021 4 17,080.65 $ 175.67 $ 175.67 $ 129.41 $ 46.26 $ 16,951.24
69 9/1/2021 $ 16,951.24 $ 175.67 ,::: $ 175.67 $ 129.76 $ 45.91 $ 16,821.48
70 10/1/2021 $ 16,821.48 $ 175 67 t '; $ 175.67 $ 130.11 $ 45.56 $ 16.691.37
71 11/1/2021 $ 16,691.37 $ 175 67 .' ',-. $ 175.67 $ 130.46 $ 45.21 $ 16,560.91
72 12/1/2021 $ 16,560.91 $ 175.67 -- $ 175.67 $ 130.81 $ 44.85 $ 16,430.10
73 1/1/2022 $ 16,430.10 $ 175.67 $ 175.67 $ 131.17 $ 44.50 $ 16,298.93
74 2/1/2022 $ 16,298.93 $ 175.67 $ 175.67 $ 131.52 $ 44.14 $ 16,167.41
75 3/1/2022 $ 16,167.41 $ 175.67 *;a' $ 175.67 4 131.88 $ 43.79 $ 16,035.52
76 4/1/2022 $ 16,035.52 $ 175.67 $- ' $ 175.67 $ 132.24 $ 43,43 $ 15.903.29
77 5/1/2022 $ 15,903.29 $ 175.67 1$ 5, $ 175.67 $ 132.60 $ 43.07 $ 15,770.69
78 6/1/2022 $ 15,770.69 $ 175.67 4 $ 175.67 $ 132.95 $ 42.71 $ 15.637.74
79 7/1/2022 4 15,637.74 $ 175.67 $ $ 175.67 $ 133.31 $ 42.35 $ 15,504,42
80 8/1/2022 $ 15,504.42 $ 175.67 ''$- " $ 175.67 $ 133.68 $ 41.99 $ 15,370.75
81 9/1/2022 $ 15,370.75 $ 175.67 4 $ 175.67 $ 134.04 $ 41.63 $ 15,236.71
82 10/1/2022 $ 15,236.71 $ 175.67 4 $ 175.67 4 134.40 $ 41.27 $ 15,102.31
83 11/1/2022 $ 15,102.31 $ 175.67 1-$ - $ 175.67 $ 134.77 $ 40.90 $ 14,967.54
84 12/1/2022 $ 14,967.54 $ 17567 "',$ `'= $ 175.67 $ 135.13 $ 40.54 $ 14,832.41
85 1/1/2023 $ 14,832.41 $ 175 67 4, ,Y $ 175.67 $ 135.50 $ 40.17 $ 14,696.92
86 2/1/2023 $ 14,696.92 $ 175.67 s'_$ f., ,:r`:.'= , $ 175.67 $ 135.86 $ 39.80 $ 14,561.05
87 3/1/2023 $ 14,561.05 $ 175.67 rk$ Y $ 175.67 $ 136.23 $ 39.44 $ 14,424.82
88 4/1/2023 $ 14,424.82 $ 175.67 `$� t, $ 175.67 $ 136.60 $ 39.07 $ 14,288.22
89 5/1/2023 $ 14,288.22 $ 175.67 V' �' $' $ 175.67 $ 136.97 $ 38.70 $ 14,1 5 1.25
90 6/1/2023 $ 14,151.25 $ 175.67 147:59:14''44::. $ 175.67 $ 137.34 $ 38.33 $ 14,013,91
91 7/1/2023 $ 14,013.91 $ 175 67 :i..$ - $ 175.67 $ 137.71 $ 37.95 $ 13,876.20
92 8/1/2023 $ 1 3,876.20 $ 175.67 '$ $ 175.61 $ 138.09 $ 37.58 $ 13,738.11
93 9/1/2023 $ 13,738.11 $ 175.67 ..$ $ 175.67 $ 138.46 $ 37.21 $ 13,599.65
94 10/1/2023 $ 13,599.65 $ 175.67 „<$ $ 175.67 $ 138.83 $ 36.83 $ 13,460.82
95 11/1/2023 $ 13,460.82 $ 175.67 `$ $ 175 67 $ 139.21 $ 36.46 4 13,321.61
96 12/1/2023 $ 13,321.61 $ 175.67 $ - $ 175 67 $ 139.59 $ 36.08 $ 13,182.02
97 1/1/2024 $ 13,182.02 $ 175.67 ";$<� - $ 175.67 $ 139.97 $ 35.70 $ 13,042.05
98 2/1/2024 $ 13,042.05 $ 175.67 $ - $ 175.67 $ 140.34 $ 35.32 $ 12,901.71
99 3/1/2024 $ 12,901.71 $ 175.67 $ - $ 175.67 $ 140.73 $ 34.94 $ 12.760.98
100 4/1/2024 $ 12,760.98 $ 175.67 $ $ 175.67 $ 141.11 $ 34.56 $ 12,619,88
101 5/1/2024 $ 12,619.88 $ 175.67 $ - $ 175.67 $ 141.49 $ 34.18 $ 12,478,39
102 6/1/2024 $ 12,478.39 $ 175.67 $ $ 175.67 $ 141.87 $ 33.80 $ 12,336.52
103 7/1/2024 $ 12.336.52 $ 175.67 $ $ 175.67 $ 142.26 $ 33.41 $ 12,194.26
104 8/1/2024 $ 12.194.26 $ 175.67 $ $ 175.67 $ 142.64 $ 33.03 $ 12.051.62
105 9/1/2024 $ 12,051.62 $ 175.67 $ - $ 175.67 $ 143.03 $ 32.64 $ 11.908.59
106 10/1/2024 $ 11.908 59 $ 175.67 $ - $ 175.67 $ 143.41 $ 32.25 $ 11,765 18
107 11/1/2024 $ 11,765.18 $ 17567 `'$ - $ 175.67 $ 143.80 $ 31.86 $ 11,621.37
108 12/1/2024 $ 11,621.37 $ 175.67 '4. $ 175.67 $ 144.19 $ 31.47 $ 11,477.18
109 1/1/2025 $ 11,477.18 $ 175.67 4 - $ 175.67 $ 144.58 $ 31.08 $ 11,332.60
HO 0 2/1/2025 $ 11,332,60 $ 175.67 $ -- $ 175.67 $ 144.97 $ 30.69 $ 11,187.62