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[null,null,null,null,null,"Financial Illustration"]
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[null,null,null,null,null,"To begin, ensure you clicked \"Enable Content\" at the top of your screen or turned your Macros on. Click here to learn how to enable macros. "]
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[null,null,null,null,null,"Inputs",null,"Additional Tools"]
[null,null,null,null,"Estimated Value of Home ",500000,null,null,null,"Click the button to calculate how much your client could receive"]
[null,null,null,null,"HomEquity Bank Mortgage Amount ",300000]
[null,null,null,null,"Initial Advance Amount ",0,null,null,null,"Click the button to view HomEquity Bank's current rates"]
[null,null,null,null,"Interest Rate for Initial Advance (Lump Sum Account) ",4.99E-2]
[null,null,null,null," "]
[null,null,null,null,"Planned Advance Amount (per Month) ",1000,null,null,null,"Click the button for current home appreciation statistics"]
[null,null,null,null,"Number of Years to Show in Graph (max. 15) ",15,null,null,null,"(Please note this link will take you to an external site.)"]
[null,null,null,null,"Interest Rate for Planned Advances (Planned Advance Account) ",4.99E-2]
[null,null,null,null," "]
[null,null,null,null,"Home Appreciation Rate (per annum) ",0.04]
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[null,"*Calculations and chart are for illustration purposes only. External factors not accounted for in the calculations may affect future projections and are based on certain assumptions. HomEquity Bank may change or update calculations without notification.This information is not intended as specific financial, accounting, legal, or tax advice for any individual and should not be relied on as such. "]

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[15,null,null,7.2499999999999995E-2,2,null,388656,838795.36758489208,450139.36758489208,630330.22692742082,241674.22692742082,471053.91841344547,82397.91841344547]
[]
[]
["Payback of AF"]
["Year",null,"AF Principle Remaining","Interest Rate","Int. Accum. Factor","Yearly Interest","Payment Periods","Monthly Payments","Yearly Payments","Interest Eligible Payments"]
[0,null,{"$f":"G37-G17","v":12096},{"$f":"D37","v":8.1500000000000003E-2}]
[1,null,11095.913101499988,8.1500000000000003E-2,{"$f":"IF($I$1=1,1,IF($I$1=2,2,IF($I$1=3,4,IF($I$1=4,12,0))))","v":2},{"$f":"(((1+(D58/E58))^E58)*(C57-J58))-(C57-J58)","v":934.80788306249997},{"$f":"IF(C11>11,11,C11)","v":11},171,{"$f":"G58*H58","v":1881},{"$f":"H58*5","v":855}]
[2,null,9915.1636510431708,8.6499999999999994E-2,2,{"$f":"(((1+(D59/E59))^E59)*(C58-J59))-(C58-J59)","v":889.88388510567347},{"$f":"IF($C$11>(G58+12),12,($C$11-G58))","v":12},{"$f":"H58","v":171},{"$f":"G59*H59","v":2052},{"$f":"I59/2","v":1026}]
[3,null,8633.8778965404199,8.6499999999999994E-2,2,{"$f":"(((1+(D60/E60))^E60)*(C59-J60))-(C59-J60)","v":785.54039199723775},{"$f":"IF($C$11>(SUM($G$58:G59)+12),12,($C$11-SUM($G$58:G59)))","v":12},{"$f":"H59","v":171},2052,1026]
[4,null,7242.4145484592882,8.4000000000000005E-2,2,{"$f":"(((1+(D61/E61))^E61)*(C60-J61))-(C60-J61)","v":652.48203991889386},{"$f":"IF($C$11>(SUM($G$58:G60)+12),12,($C$11-SUM($G$58:G60)))","v":12},171,2052,1026]
[5,null,5731.1785052923369,8.1500000000000003E-2,2,516.96053058305824,{"$f":"IF($C$11>(SUM($G$58:G61)+12),12,($C$11-SUM($G$58:G61)))","v":12},171,{"$f":"G62*H62","v":2052},1026]
[6,null,4090.6803272232646,7.9000000000000001E-2,2,379.05035668097844,{"$f":"IF($C$11>(SUM($G$58:G62)+12),12,($C$11-SUM($G$58:G62)))","v":12},171,2052,1026]
[7,null,2309.9319849921158,7.6499999999999999E-2,2,{"$f":"(((1+(D64/E64))^E64)*(C63-J64))-(C63-J64)","v":238.93186389382754},{"$f":"IF($C$11>(SUM($G$58:G63)+12),12,($C$11-SUM($G$58:G63)))","v":12},171,2052,1026]
[8,null,376.79344376904191,7.3999999999999996E-2,2,96.768669776870411,{"$f":"IF($C$11>(SUM($G$58:G64)+12),12,($C$11-SUM($G$58:G64)))","v":12},171,2052,1026]
[9,null,-0.31949204797274433,7.2499999999999995E-2,2,{"$f":"(((1+(D66/E66))^E66)*(C65-J66))-(C65-J66)","v":8.879347776708272},{"$f":"IF($C$11>(SUM($G$58:G65)+12),12,($C$11-SUM($G$58:G65)))","v":3},171,513,256.5]
[10,null,0.27538275858387351,7.2499999999999995E-2,2,null,{"$f":"IF($C$11>(SUM($G$58:G66)+12),12,($C$11-SUM($G$58:G66)))","v":0}]
[11,null,-292313.36838387122,7.2499999999999995E-2,2,null,{"$f":"IF($C$11>(SUM($G$58:G67)+12),12,($C$11-SUM($G$58:G67)))","v":0}]
[12,null,-313890.20562734379,7.2499999999999995E-2,2,null,{"$f":"IF($C$11>(SUM($G$58:G68)+12),12,($C$11-SUM($G$58:G68)))","v":0}]
[13,null,-337059.71688365837,7.2499999999999995E-2,2,null,{"$f":"IF($C$11>(SUM($G$58:G69)+12),12,($C$11-SUM($G$58:G69)))","v":0}]
[14,null,-361939.46389194101,7.2499999999999995E-2,2,null,{"$f":"IF($C$11>(SUM($G$58:G70)+12),12,($C$11-SUM($G$58:G70)))","v":0}]
[15,null,0.3138991228188388,7.2499999999999995E-2,2,null,{"$f":"IF($C$11>(SUM($G$58:G71)+12),12,($C$11-SUM($G$58:G71)))","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Rate",8.5999999999999993E-2,null,"Additional Finance Portion",null,null,null,"HIP Max Portion"]
["Principle",178275,"Month","AF Interest","Remaining","Accumulated","Accum Interest","Payments","Interest","Remaining","Accum Interest"]
["Value after Year 1",{"$f":"(B88*(1+(B87/2))^2)","v":193936.28047499998},1,null,{"$f":"B93","v":18105},{"$f":"E89","v":18105},{"$f":"D89","v":0},0,{"$f":"B88*(B87/12)","v":1277.6374999999998},{"$f":"I89+B88","v":179552.63750000001},{"$f":"I89","v":1277.6374999999998}]
["Interest per Month",{"$f":"(B89-B88)/12","v":1305.1067062499981},2,null,{"$f":"F89-$B$94","v":17850},{"$f":"E90","v":17850},{"$f":"D90+G89","v":0},0,{"$f":"J89*($B$87/12)","v":1286.7939020833333},{"$f":"I90+J89","v":180839.43140208334},{"$f":"I90+K89","v":2564.4314020833331}]
[null,null,3,null,17595,{"$f":"E91","v":17595},{"$f":"D91+G90","v":0},0,1296.0159250482639,{"$f":"I91+J90","v":182135.44732713161},{"$f":"I91+K90","v":3860.4473271315969}]
["AF Portion",24552,4,null,17340,17340,0,0,1305.3040391777763,183440.75136630939,5165.7513663093732]
["Total AF Payment",{"$f":"B94*B95","v":18105},5,null,17085,17085,0,0,1314.6587181252171,184755.41008443461,6480.4100844345903]
["Monthly Payment",255,6,null,16830,16830,0,0,1324.080438938448,186079.49052337307,7804.4905233730387]
["Payment Periods",71,7,null,16575,16575,0,0,1333.5696820841736,187413.06020545724,9138.0602054572119]
[null,null,8,null,16320,16320,0,0,1343.1269314724434,188756.18713692969,10481.187136929655]
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[null,null,12,null,15300,15300,0,0,1382.0457915559139,194225.64461331136,15950.644613311326]
[null,null,13,null,{"$f":"F100","v":15300},15300,0,0,1391.9504530620645,195617.59506637344,17342.595066373389]
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