SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
----------------
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934
Date of Report (Date of earliest event reported)
December 11, 1997.
CRESTAR BANK, as Depositor
to CRESTAR STUDENT LOAN TRUST 1997-1
(Exact name of registrant as specified in charter)
Virginia 333-35825 53-0116200
(State or other jurisdiction (Commission (IRS Employer
of incorporation) File Number) Identification No.)
919 East Main Street, Richmond, Virginia 23219
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code (804) 782-5000
-------------------------------------------------------------------------------
(Former name or former address, if changed since last report.)
<PAGE>
Item 5. Other Events.
On or about December 11, 1997, the Registrant expects to enter into an
underwriting agreement with Salomon Brothers Inc, Morgan Stanley & Co.,
Incorporated and Crestar Securities Corporation (the "Underwriters"), pursuant
to which the Underwriters will agree to purchase and offer for sale to the
public, $222,900,000 aggregate initial principal amount of the Registrant's
Student Loan Asset Backed Notes, Series 1997-1, Class A-1, Class A-2 and Class B
(the "Offered Securities"). The Offered Securities are registered for sale under
the Registrant's effective Registration Statement on Form S-3 (333-35825), and
will be offered pursuant to a Prospectus, dated December 11, 1997, to be filed
with the Securities and Exchange Commission pursuant to the Securities Act of
1933, as amended and Rule 424 thereunder.
In connection with the offering of the Offered Securities, the Underwriters
have prepared and disseminated to potential purchasers certain "Series Term
Sheets", "Computational Materials" and/or "Structural Terms Sheet(s)," as such
terms are defined in the No-Action response letters to Greenwood Trust Company,
Discover Card Master Trust I (publicly available April 5, 1996), to Kidder,
Peabody and Co. Incorporated and certain affiliates thereof (publicly available,
May 20, 1994) and the No-Action response letter to Cleary, Gottlieb, Steen &
Hamilton on behalf of the Public Securities Association (publicly available,
February 17, 1995), respectively. In accordance with such No-Action Letter, the
Registrant is filing herewith such Series Term Sheets, Computational Materials
and/or Structural Terms Sheet(s) as Exhibit 99.1.
Exhibits
99.1 Copy of "Series Term Sheets", "Computational Materials" and/or
"Structural Terms Sheet(s)" as provided by Salomon Brothers Inc,
Morgan Stanley & Co., Incorporated and Crestar Securities Corporation.
-2-
<PAGE>
Signatures
Pursuant to the requirements of the Securities Exchange Act of 1934,
the Registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.
December 11, 1997 CRESTAR BANK
By: /s/ W. Clark McGhee
---------------------------------
Name: W. Clark McGhee
Title: Senior Vice President
-3-
<PAGE>
INDEX TO EXHIBITS
Page
99.1 Copy of "Series Term Sheets", "Computational Materials"
and/or "Structural Terms Sheet(s)"
as provided by Salomon Brothers Inc, Morgan Stanley & Co.,
Incorporated and Crestar Securities Corporation.................
-4-
CONFIDENTIAL MEMORANDUM
FOR INTERNAL USE ONLY. This information may not be copied,
distributed or shown to clients.
Section I : Description of the Notes (Continued)
Estimated Average Life Sensitivities
<TABLE>
<CAPTION>
With Auction Call 0% CPR 3% CPR 5% CPR
- ----------------------------- ---------------------------------- ----------------------------------- -------------------------------
<S> <C>
Class Dollar Amount Avg. Life (yrs) Payment Window Avg. Life (yrs) Payment Window Avg. Life (yrs) Payment Window
- --------- ------------------- ---------------- ----------------- ------------------ ---------------- ---------------- --------------
A-1 130,000,000 2.98 2/25/98 2.48 2/25/98 2.21 2/25/98
1/25/04 3/25/03 9/25/02
- --------- ------------------- ---------------- ----------------- ------------------ ---------------- ---------------- --------------
A-2 84,000,000 8.88 1/25/04 7.86 3/25/03 7.34 9/25/02
1/25/10 4/25/08 10/25/07
- --------- ------------------- ---------------- ----------------- ------------------ ---------------- ---------------- --------------
B 8,900,000 12.11 1/25/10 10.36 4/25/08 9.86 10/25/07
1/25/10 4/25/08 10/25/07
<CAPTION>
With Auction Call 7% CPR 9% CPR 15% CPR
- ----------------------------- ---------------------------------- ----------------------------------- -------------------------------
Class Dollar Amount Avg. Life (yrs) Payment Window Avg. Life (yrs) Payment Window Avg. Life (yrs) Payment Window
- --------- ------------------- ---------------- ----------------- ------------------ ---------------- ---------------- --------------
<S> <C>
A-1 130,000,000 1.98 2/25/98 1.80 2/25/98 1.38 2/25/98
4/25/02 12/25/01 1/25/01
- --------- ------------------- ---------------- ----------------- ------------------ ---------------- ---------------- --------------
A-2 84,000,000 6.85 4/25/02 6.49 12/25/01 5.32 1/25/01
4/25/07 4/25/07 3/25/07
- --------- ------------------- ---------------- ----------------- ------------------ ---------------- ---------------- --------------
B 8,900,000 9.36 4/25/07 9.36 4/25/07 9.36 3/25/07
4/25/07 4/25/07 4/25/07
- --------- ------------------- ---------------- ----------------- ------------------ ---------------- ---------------- --------------
<CAPTION>
No Auction Call 0% CPR 3% CPR 5% CPR
- ----------------------------- ---------------------------------- ----------------------------------- -------------------------------
Class Dollar Amount Avg. Life (yrs) Payment Window Avg. Life (yrs) Payment Window Avg. Life (yrs) Payment Window
- --------- ------------------- ---------------- ----------------- ------------------ ---------------- ---------------- --------------
<S> <C>
A-1 130,000,000 2.98 2/25/98 2.48 2/25/98 2.21 2/25/98
1/25/04 3/25/03 9/25/02
- --------- ------------------- ---------------- ----------------- ------------------ ---------------- ---------------- --------------
A-2 84,000,000 9.11 1/25/04 8.10 3/25/03 7.51 9/25/02
7/25/13 11/25/11 12/25/10
- --------- ------------------- ---------------- ----------------- ------------------ ---------------- ---------------- --------------
B 8,900,000 18.80 7/25/13 17.05 11/25/11 15.97 12/25/10
1/25/23 1/25/21 1/25/19
<CAPTION>
No Auction Call 7% CPR 9% CPR 15% CPR
- ----------------------------- ---------------------------------- ----------------------------------- -------------------------------
Class Dollar Amount Avg. Life (yrs) Payment Window Avg. Life (yrs) Payment Window Avg. Life (yrs) Payment Window
- --------- ------------------- ---------------- ----------------- ------------------ ---------------- ---------------- --------------
<S> <C>
A-1 130,000,000 1.98 2/25/98 1.80 2/25/98 1.38 2/25/98
4/25/02 12/25/01 1/25/01
- --------- ------------------- ---------------- ----------------- ------------------ ---------------- ---------------- --------------
A-2 84,000,000 6.98 4/25/02 6.51 12/25/01 5.32 1/25/01
12/25/09 1/25/09 3/25/07
- --------- ------------------- ---------------- ----------------- ------------------ ---------------- ---------------- --------------
B 8,900,000 15.00 12/25/09 14.08 1/25/09 11.67 3/25/07
10/25/11 1/25/17 7/25/14
</TABLE>
<PAGE>
Co-Managers' Package Crestar Student Loan Trust 1997-1
- -------------------------------------------------------------------------------
2. Transaction Specifics (Continued)
<TABLE>
<CAPTION>
Class A-1 Class A-3 Class B-1
<S> <C>
Approx. Principal Amount $130,000,000 $84,000,000 $8,900,000
Relative Size 58.3% 37.7% 4.0%
Moody's Expected Rating Aaa Aaa A2
S&P Expected Rating AAA AAA A
Fitch Expected Rating AAA AAA A
Credit Enhancement Excess Spread Excess Spread Excess Spread
1.00% Reserve 1.00% Reserve 1.00% Reserve
Fund Fund Fund
4.0% Subordination 4.0% Subordination
Pricing Prepayment Speed 7.00% CPR 7.00% CPR 7.00% CPR
Pricing to Call Yes Yes Yes
Optional Clean Up Call 10% Auction Call 10% Auction Call 10% Auction Call
Weighted Average Life to Call 1.98 Years 6.85 Years 9.36 Years
Expected Principal Pmt. Begins 2/25/98 4/25/02 4/25/07
Expected Principal Pmt. Ends 4/25/02 4/25/07 4/25/07
Legal Final 1/25/07 1/25/17 1/25/27
Payment Frequency Monthly Monthly Quarterly
Remittance Date 25th 25th 25th
First Coupon Paymend Date 1/26/98 1/26/98 4/26/98
Fixed/Floating Floating/1/ Floating/1/ Floating/1/
Benchmark Index 1 Month LIBOR 1 Month LIBOR 1 Month LIBOR
Day Count Actual/360 Actual/360 Actual/360
Interest Reset Monthly/2/ Monthly/2/ Monthly/2/
Rate Cap 18% 18% 18%
Denominations $1,000 $1,000 $1,000
Tax Structure Owner Trust Owner Trust Owner Trust
ERISA Eligibility Yes Yes Yes
Marginable on Initial Offering No No No
</TABLE>
- -------------------------------------------------------------------------------
Salomon Smith Barney
<PAGE>
- --------------------------------------------------------------------------------
Crestar Student Loan Trust 1997-1
Declining Balance Tables
Class A-1 Notes With 10% Clean-Up Call
<TABLE>
<CAPTION>
- -------------------------------------------------------------------------------------------------------------------------
Constant Prepayment Rate
Date 0% 3% 5% 7% 9% 15%
- -------------------------------------------------------------------------------------------------------------------------
<S> <C>
12 16 1997 130,000,000 130,000,000 130,000,000 130,000,000 130,000,000 130,000,000
1 25 1998 130,000,000 130,000,000 130,000,000 130,000,000 130,000,000 130,000,000
2 25 1998 128,639,652 128,103,201 127,740,211 127,372,777 127,000,755 125,855,600
3 25 1998 127,252,049 126,187,652 125,468,994 124,742,844 124,008,978 121,758,701
4 25 1998 121,555,296 118,856,806 117,030,703 115,182,066 113,310,122 107,546,052
5 25 1998 119,960,517 116,754,036 114,588,773 112,400,606 110,188,791 103,403,406
6 25 1998 118,344,188 114,639,409 112,142,975 109,624,533 107,083,410 99,316,666
7 25 1998 115,626,588 111,433,149 108,613,617 105,774,333 102,914,731 94,207,900
8 25 1998 113,978,171 109,305,949 106,171,173 103,019,938 99,851,803 90,241,239
9 25 1998 112,321,752 107,180,424 103,738,245 100,284,030 96,817,479 86,340,579
10 25 1998 109,753,653 104,157,987 100,419,845 96,675,383 92,924,459 81,631,367
11 25 1998 108,082,307 102,036,922 98,006,943 93,977,194 89,947,686 77,860,693
12 25 1998 106,405,421 99,919,983 95,605,863 91,299,523 87,001,119 74,155,206
1 25 1999 103,884,484 96,979,336 92,396,136 87,829,456 83,279,598 69,734,145
2 25 1999 102,198,115 94,872,208 90,020,099 85,193,927 80,394,116 66,157,327
3 25 1999 100,508,813 92,771,720 87,658,204 82,580,912 77,540,370 62,644,777
4 25 1999 97,887,251 89,769,097 84,415,588 79,109,629 73,851,820 58,373,621
5 25 1999 96,163,249 87,654,367 82,055,181 76,515,443 71,035,794 54,964,151
6 25 1999 94,436,690 85,546,737 79,709,295 73,943,941 68,251,327 51,616,743
7 25 1999 91,815,515 82,645,453 76,654,519 70,747,085 64,923,746 47,964,504
8 25 1999 90,082,734 80,550,925 74,336,449 68,219,486 62,200,553 44,737,331
9 25 1999 88,345,783 78,461,928 72,031,227 65,712,677 59,506,671 41,568,013
10 25 1999 86,654,912 76,472,585 69,842,457 63,339,057 56,962,610 38,597,319
11 25 1999 84,910,341 74,395,309 67,563,421 60,874,034 54,327,146 35,541,438
12 25 1999 83,163,044 72,324,903 65,298,371 58,430,627 51,721,382 32,541,677
1 25 2000 81,489,160 70,351,899 63,146,475 56,115,876 49,259,483 29,729,180
2 25 2000 79,734,409 68,293,320 60,907,419 53,713,539 46,710,657 26,837,506
3 25 2000 77,977,322 66,241,937 58,682,509 51,332,700 44,191,019 23,999,506
4 25 2000 76,283,787 64,277,520 56,559,705 49,068,676 41,802,433 21,332,008
5 25 2000 74,511,132 62,230,409 54,353,337 46,721,329 39,331,787 18,591,529
6 25 2000 72,734,637 60,189,101 52,159,666 44,393,865 36,888,434 15,901,274
7 25 2000 71,034,775 58,245,671 50,077,391 42,190,751 34,581,785 13,380,818
8 25 2000 69,254,171 56,219,231 47,912,052 39,905,567 32,195,010 10,790,832
9 25 2000 67,472,095 54,200,728 45,761,270 37,641,756 29,836,548 8,250,077
10 25 2000 65,768,300 52,280,313 43,720,966 35,500,122 27,611,242 5,870,830
11 25 2000 63,984,071 50,278,335 41,599,739 33,279,188 25,309,135 3,426,500
12 25 2000 62,202,928 48,288,371 39,496,721 31,082,766 23,037,883 1,031,661
1 25 2001 60,500,245 46,395,326 37,501,965 29,005,151 20,895,161 -
2 25 2001 58,718,943 44,423,496 35,429,632 26,852,080 18,679,904 -
3 25 2001 56,937,591 42,460,708 33,372,526 24,720,435 16,492,215 -
4 25 2001 55,233,290 40,592,263 31,420,187 22,703,081 14,427,437 -
5 25 2001 53,449,946 38,645,767 29,391,688 20,612,290 12,292,653 -
6 25 2001 51,669,301 36,710,690 27,380,444 18,544,528 10,186,543 -
7 25 2001 49,969,312 34,871,888 25,474,686 16,590,498 8,201,452 -
8 25 2001 48,190,370 32,956,199 23,494,547 14,565,339 6,149,102 -
9 25 2001 46,414,056 31,051,727 21,531,273 12,562,551 4,124,427 -
10 25 2001 44,718,635 29,242,425 19,671,391 10,670,354 2,216,537 -
11 25 2001 42,944,230 27,357,275 17,738,772 8,709,182 243,958 -
12 25 2001 41,175,147 25,485,587 15,824,877 6,771,796 - -
1 25 2002 39,484,121 23,705,255 14,009,816 4,939,640 - -
2 25 2002 37,714,490 21,850,463 12,123,962 3,040,911 - -
3 25 2002 35,948,684 20,007,668 10,255,283 1,164,260 - -
4 25 2002 34,262,905 18,256,689 8,484,843 - - -
5 25 2002 32,502,508 16,435,763 6,648,369 - - -
6 25 2002 30,745,875 14,626,616 4,828,664 - - -
7 25 2002 29,077,516 12,915,157 3,111,505 - - -
8 25 2002 27,340,074 11,139,481 1,334,092 - - -
9 25 2002 25,608,553 9,377,229 - - - -
10 25 2002 23,957,965 7,704,949 - - - -
11 25 2002 22,236,949 5,968,190 - - - -
12 25 2002 20,520,780 4,243,733 - - - -
1 25 2003 18,887,908 2,609,988 - - - -
2 25 2003 17,183,535 911,733 - - - -
3 25 2003 15,483,162 - - - - -
4 25 2003 13,862,034 - - - - -
5 25 2003 12,180,686 - - - - -
6 25 2003 10,505,408 - - - - -
7 25 2003 8,908,354 - - - - -
8 25 2003 7,243,178 - - - - -
9 25 2003 5,586,154 - - - - -
10 25 2003 4,011,312 - - - - -
11 25 2003 2,376,523 - - - - -
12 25 2003 752,081 - - - - -
1 25 2004 - - - - - -
<PAGE>
<CAPTION>
- ----------------------------------------------------------------------------------------------------------------------
Crestar Student Loan Trust 1997-1
Declining Balance Tables
Class A-2 Notes With 10% Clean-Up Call
- ----------------------------------------------------------------------------------------------------------------------
Constant Prepayment Rate
Date 0% 3% 5% 7% 9% 15%
- ----------------------------------------------------------------------------------------------------------------------
<S> <C>
12 16 1997 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
1 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
2 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
3 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
4 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
5 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
6 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
7 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
8 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
9 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
10 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
11 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
12 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
1 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
2 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
3 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
4 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
5 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
6 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
7 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
8 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
9 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
10 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
11 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
12 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
1 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
2 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
3 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
4 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
5 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
6 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
7 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
8 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
9 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
10 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
11 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
12 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
1 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 82,789,440
2 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 80,487,151
3 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 78,229,933
4 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 76,116,000
5 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 73,945,493
6 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 71,819,275
7 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 69,830,259
8 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 67,788,173
9 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 65,787,975
10 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 63,917,322
11 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 61,996,844
12 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 82,299,969 60,117,401
1 25 2002 84,000,000 84,000,000 84,000,000 84,000,000 80,466,558 58,358,641
2 25 2002 84,000,000 84,000,000 84,000,000 84,000,000 78,571,218 56,553,331
3 25 2002 84,000,000 84,000,000 84,000,000 84,000,000 76,702,537 54,786,129
4 25 2002 84,000,000 84,000,000 84,000,000 83,391,166 74,941,671 53,133,654
5 25 2002 84,000,000 84,000,000 84,000,000 81,556,425 73,123,890 51,439,444
6 25 2002 84,000,000 84,000,000 84,000,000 79,743,102 71,331,798 49,781,209
7 25 2002 84,000,000 84,000,000 84,000,000 78,036,112 69,648,811 48,234,896
8 25 2002 84,000,000 84,000,000 84,000,000 76,273,237 67,914,588 46,651,912
9 25 2002 84,000,000 84,000,000 83,574,690 74,532,582 66,206,384 45,103,723
10 25 2002 84,000,000 84,000,000 81,909,798 72,889,863 64,598,504 43,657,501
11 25 2002 84,000,000 84,000,000 80,184,967 71,192,039 62,940,527 42,176,271
12 25 2002 84,000,000 84,000,000 78,476,906 69,515,023 61,306,938 40,727,361
1 25 2003 84,000,000 84,000,000 76,863,031 67,934,581 59,771,314 39,375,407
2 25 2003 84,000,000 84,000,000 75,189,730 66,299,979 58,186,862 37,990,139
3 25 2003 84,000,000 83,224,866 73,532,162 64,684,968 56,625,365 36,634,954
4 25 2003 84,000,000 81,623,999 71,963,593 63,160,866 55,155,690 35,369,303
5 25 2003 84,000,000 79,969,066 70,345,457 61,591,860 53,645,826 34,077,063
6 25 2003 84,000,000 78,327,054 68,744,190 60,043,162 52,159,202 32,813,908
7 25 2003 84,000,000 76,768,911 67,229,068 58,581,821 50,760,191 31,634,423
8 25 2003 84,000,000 75,150,831 65,659,628 57,071,772 49,317,978 30,426,915
9 25 2003 84,000,000 73,547,221 64,108,214 55,582,781 47,899,337 29,247,608
10 25 2003 84,000,000 72,029,570 62,643,877 54,181,002 46,567,174 28,148,428
11 25 2003 84,000,000 70,459,599 61,132,422 52,737,270 45,198,095 27,026,019
12 25 2003 84,000,000 68,905,657 59,640,113 51,315,274 43,852,829 25,930,852
1 25 2004 83,211,120 67,437,469 58,233,758 49,978,524 42,591,315 24,911,318
2 25 2004 81,602,711 65,911,451 56,775,852 48,596,286 41,290,090 23,867,210
3 25 2004 79,999,935 64,397,316 55,333,214 47,232,102 40,009,135 22,846,994
4 25 2004 78,472,164 62,960,746 53,968,470 45,945,207 38,804,062 21,894,834
5 25 2004 76,881,043 61,470,515 52,556,289 44,616,812 37,563,082 20,921,113
6 25 2004 75,295,807 59,992,187 51,159,192 43,306,063 36,341,728 19,969,953
7 25 2004 73,791,895 58,595,451 49,842,665 42,074,065 35,196,646 19,084,816
8 25 2004 72,225,904 57,146,815 48,480,647 40,802,607 34,017,711 18,179,881
9 25 2004 70,673,435 55,716,064 47,138,687 39,552,836 32,861,590 17,298,606
10 25 2004 69,207,611 54,370,003 45,879,109 38,382,499 31,781,440 16,480,934
11 25 2004 67,687,793 52,979,217 44,580,608 37,178,666 30,672,809 15,647,170
12 25 2004 66,189,607 51,612,504 43,307,214 36,000,542 29,590,096 14,838,018
1 25 2005 64,772,482 50,324,681 42,110,292 34,895,864 28,577,327 14,086,575
2 25 2005 63,298,739 48,990,565 40,873,396 33,757,035 27,535,712 13,319,085
3 25 2005 61,830,143 47,666,945 39,649,644 32,633,346 26,510,650 12,569,585
4 25 2005 60,431,161 46,411,933 38,492,747 31,574,082 25,547,058 11,870,750
5 25 2005 58,972,884 45,109,157 37,294,986 30,480,212 24,554,477 11,156,147
6 25 2005 57,521,355 43,817,981 36,111,141 29,401,931 23,578,594 10,458,922
7 25 2005 56,144,053 42,598,062 34,995,692 28,388,667 22,663,968 9,810,527
8 25 2005 54,710,909 41,333,752 33,842,607 27,343,827 21,723,148 9,148,347
9 25 2005 53,294,082 40,088,368 32,709,466 26,319,451 20,802,889 8,505,114
10 25 2005 51,958,421 38,918,606 31,647,669 25,361,841 19,944,634 7,909,463
11 25 2005 50,591,945 37,724,599 30,565,578 24,387,512 19,072,850 7,307,600
12 25 2005 49,257,449 36,561,334 29,513,094 23,441,455 18,227,843 6,727,438
1 25 2006 47,995,071 35,465,339 28,524,047 22,554,689 17,437,791 6,189,072
2 25 2006 46,685,372 34,332,503 27,504,217 21,642,487 16,626,977 5,640,379
3 25 2006 45,383,167 33,210,935 26,497,283 20,744,217 15,830,635 5,105,611
4 25 2006 44,144,363 32,148,883 25,546,591 19,898,557 15,083,043 4,607,714
5 25 2006 42,857,082 31,049,611 24,565,077 19,027,647 14,315,013 4,099,888
6 25 2006 41,579,324 29,962,978 23,597,431 18,171,285 13,561,755 3,605,603
7 25 2006 40,369,013 28,938,063 22,687,247 17,367,944 12,857,013 3,146,787
8 25 2006 39,108,423 27,875,038 21,745,757 16,539,155 12,131,821 2,678,222
9 25 2006 37,858,848 26,825,572 20,818,717 15,725,193 11,421,418 2,222,672
10 25 2006 36,680,946 25,840,119 19,950,421 14,964,717 10,759,347 1,801,273
11 25 2006 35,493,552 24,848,036 19,077,164 14,200,738 10,095,015 1,380,140
12 25 2006 34,335,641 23,883,114 18,229,327 13,460,342 9,452,380 975,108
1 25 2007 33,242,981 22,976,171 17,434,493 12,768,006 8,852,984 600,185
2 25 2007 32,109,184 22,038,742 16,615,013 12,055,971 8,238,041 218,321
3 25 2007 30,980,950 21,110,045 15,805,484 11,354,549 7,633,929 -
4 25 2007 29,906,760 20,230,049 15,040,764 - - -
5 25 2007 28,784,282 19,314,650 14,247,589 - - -
6 25 2007 27,675,984 18,414,293 13,469,411 - - -
7 25 2007 26,626,632 17,565,543 12,737,922 - - -
8 25 2007 25,531,816 16,683,930 11,980,278 - - -
9 25 2007 24,438,129 15,807,451 11,229,380 - - -
10 25 2007 23,394,858 14,975,533 - - - -
11 25 2007 22,302,344 14,108,453 - - - -
12 25 2007 21,704,560 13,609,515 - - - -
1 25 2008 21,171,758 13,163,350 - - - -
2 25 2008 20,631,580 12,711,260 - - - -
3 25 2008 20,111,147 12,275,733 - - - -
4 25 2008 19,675,046 - - - - -
5 25 2008 19,246,997 - - - - -
6 25 2008 18,838,539 - - - - -
7 25 2008 18,465,117 - - - - -
8 25 2008 18,077,614 - - - - -
9 25 2008 17,692,292 - - - - -
10 25 2008 17,322,684 - - - - -
11 25 2008 16,942,754 - - - - -
12 25 2008 16,562,720 - - - - -
1 25 2009 16,197,910 - - - - -
2 25 2009 15,814,607 - - - - -
3 25 2009 15,430,187 - - - - -
4 25 2009 15,088,296 - - - - -
5 25 2009 14,731,461 - - - - -
6 25 2009 14,373,822 - - - - -
7 25 2009 14,030,861 - - - - -
8 25 2009 13,669,849 - - - - -
9 25 2009 13,307,162 - - - - -
10 25 2009 12,959,496 - - - - -
11 25 2009 12,597,531 - - - - -
12 25 2009 12,254,572 - - - - -
1 25 2010 - - - - - -
<PAGE>
<CAPTION>
- -------------------------------------------------------------------------------------------------------------
Crestar Student Loan Trust 1997-1
Declining Balance Tables
Class B-1 Notes With 10% Clean-Up Call
- -------------------------------------------------------------------------------------------------------------
Constant Prepayment Rate
Date 0% 3% 5% 7% 9% 15%
- -------------------------------------------------------------------------------------------------------------
<S> <C>
12 16 1997 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
1 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
2 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
3 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
4 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
5 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
6 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
7 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
8 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
9 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
10 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
11 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
12 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
1 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
2 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
3 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
4 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
5 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
6 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
7 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
8 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
9 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
10 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
11 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
12 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
1 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
2 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
3 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
4 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
5 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
6 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
7 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
8 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
9 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
10 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
11 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
12 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
1 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
2 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
3 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
4 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
5 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
6 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
7 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
8 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
9 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
10 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
11 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
12 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
1 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
2 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
3 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
4 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
5 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
6 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
7 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
8 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
9 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
10 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
11 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
12 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
1 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
2 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
3 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
4 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
5 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
6 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
7 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
8 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
9 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
10 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
11 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
12 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
1 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
2 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
3 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
4 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
5 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
6 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
7 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
8 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
9 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
10 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
11 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
12 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
1 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
2 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
3 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
4 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
5 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
6 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
7 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
8 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
9 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
10 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
11 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
12 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
1 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
2 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
3 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
4 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
5 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
6 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
7 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
8 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
9 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
10 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
11 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
12 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
1 25 2007 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
2 25 2007 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
3 25 2007 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
4 25 2007 8,900,000 8,900,000 8,900,000 - - -
5 25 2007 8,900,000 8,900,000 8,900,000 - - -
6 25 2007 8,900,000 8,900,000 8,900,000 - - -
7 25 2007 8,900,000 8,900,000 8,900,000 - - -
8 25 2007 8,900,000 8,900,000 8,900,000 - - -
9 25 2007 8,900,000 8,900,000 8,900,000 - - -
10 25 2007 8,900,000 8,900,000 - - - -
11 25 2007 8,900,000 8,900,000 - - - -
12 25 2007 8,900,000 8,900,000 - - - -
1 25 2008 8,900,000 8,900,000 - - - -
2 25 2008 8,900,000 8,900,000 - - - -
3 25 2008 8,900,000 8,900,000 - - - -
4 25 2008 8,900,000 - - - - -
5 25 2008 8,900,000 - - - - -
6 25 2008 8,900,000 - - - - -
7 25 2008 8,900,000 - - - - -
8 25 2008 8,900,000 - - - - -
9 25 2008 8,900,000 - - - - -
10 25 2008 8,900,000 - - - - -
11 25 2008 8,900,000 - - - - -
12 25 2008 8,900,000 - - - - -
1 25 2009 8,900,000 - - - - -
2 25 2009 8,900,000 - - - - -
3 25 2009 8,900,000 - - - - -
4 25 2009 8,900,000 - - - - -
5 25 2009 8,900,000 - - - - -
6 25 2009 8,900,000 - - - - -
7 25 2009 8,900,000 - - - - -
8 25 2009 8,900,000 - - - - -
9 25 2009 8,900,000 - - - - -
10 25 2009 8,900,000 - - - - -
11 25 2009 8,900,000 - - - - -
12 25 2009 8,900,000 - - - - -
1 25 2010 - - - - - -
<PAGE>
<CAPTION>
- --------------------------------------------------------------------------------------------------------------------------
Crestar Student Loan Trust 1997-1
Declining Balance Tables
Class A-1 Notes With No Clean-Up Call
- --------------------------------------------------------------------------------------------------------------------------
Constant Prepayment Rate
Date 0% 3% 5% 7% 9% 15%
- --------------------------------------------------------------------------------------------------------------------------
<S> <C>
12 16 1997 130,000,000 130,000,000 130,000,000 130,000,000 130,000,000 130,000,000
1 25 1998 130,000,000 130,000,000 130,000,000 130,000,000 130,000,000 130,000,000
2 25 1998 128,639,652 128,103,201 127,740,211 127,372,777 127,000,755 125,855,600
3 25 1998 127,252,049 126,187,652 125,468,994 124,742,844 124,008,978 121,758,701
4 25 1998 121,555,296 118,856,806 117,030,703 115,182,066 113,310,122 107,546,052
5 25 1998 119,960,517 116,754,036 114,588,773 112,400,606 110,188,791 103,403,406
6 25 1998 118,344,188 114,639,409 112,142,975 109,624,533 107,083,410 99,316,666
7 25 1998 115,626,588 111,433,149 108,613,617 105,774,333 102,914,731 94,207,900
8 25 1998 113,978,171 109,305,949 106,171,173 103,019,938 99,851,803 90,241,239
9 25 1998 112,321,752 107,180,424 103,738,245 100,284,030 96,817,479 86,340,579
10 25 1998 109,753,653 104,157,987 100,419,845 96,675,383 92,924,459 81,631,367
11 25 1998 108,082,307 102,036,922 98,006,943 93,977,194 89,947,686 77,860,693
12 25 1998 106,405,421 99,919,983 95,605,863 91,299,523 87,001,119 74,155,206
1 25 1999 103,884,484 96,979,336 92,396,136 87,829,456 83,279,598 69,734,145
2 25 1999 102,198,115 94,872,208 90,020,099 85,193,927 80,394,116 66,157,327
3 25 1999 100,508,813 92,771,720 87,658,204 82,580,912 77,540,370 62,644,777
4 25 1999 97,887,251 89,769,097 84,415,588 79,109,629 73,851,820 58,373,621
5 25 1999 96,163,249 87,654,367 82,055,181 76,515,443 71,035,794 54,964,151
6 25 1999 94,436,690 85,546,737 79,709,295 73,943,941 68,251,327 51,616,743
7 25 1999 91,815,515 82,645,453 76,654,519 70,747,085 64,923,746 47,964,504
8 25 1999 90,082,734 80,550,925 74,336,449 68,219,486 62,200,553 44,737,331
9 25 1999 88,345,783 78,461,928 72,031,227 65,712,677 59,506,671 41,568,013
10 25 1999 86,654,912 76,472,585 69,842,457 63,339,057 56,962,610 38,597,319
11 25 1999 84,910,341 74,395,309 67,563,421 60,874,034 54,327,146 35,541,438
12 25 1999 83,163,044 72,324,903 65,298,371 58,430,627 51,721,382 32,541,677
1 25 2000 81,489,160 70,351,899 63,146,475 56,115,876 49,259,483 29,729,180
2 25 2000 79,734,409 68,293,320 60,907,419 53,713,539 46,710,657 26,837,506
3 25 2000 77,977,322 66,241,937 58,682,509 51,332,700 44,191,019 23,999,506
4 25 2000 76,283,787 64,277,520 56,559,705 49,068,676 41,802,433 21,332,008
5 25 2000 74,511,132 62,230,409 54,353,337 46,721,329 39,331,787 18,591,529
6 25 2000 72,734,637 60,189,101 52,159,666 44,393,865 36,888,434 15,901,274
7 25 2000 71,034,775 58,245,671 50,077,391 42,190,751 34,581,785 13,380,818
8 25 2000 69,254,171 56,219,231 47,912,052 39,905,567 32,195,010 10,790,832
9 25 2000 67,472,095 54,200,728 45,761,270 37,641,756 29,836,548 8,250,077
10 25 2000 65,768,300 52,280,313 43,720,966 35,500,122 27,611,242 5,870,830
11 25 2000 63,984,071 50,278,335 41,599,739 33,279,188 25,309,135 3,426,500
12 25 2000 62,202,928 48,288,371 39,496,721 31,082,766 23,037,883 1,031,661
1 25 2001 60,500,245 46,395,326 37,501,965 29,005,151 20,895,161 -
2 25 2001 58,718,943 44,423,496 35,429,632 26,852,080 18,679,904 -
3 25 2001 56,937,591 42,460,708 33,372,526 24,720,435 16,492,215 -
4 25 2001 55,233,290 40,592,263 31,420,187 22,703,081 14,427,437 -
5 25 2001 53,449,946 38,645,767 29,391,688 20,612,290 12,292,653 -
6 25 2001 51,669,301 36,710,690 27,380,444 18,544,528 10,186,543 -
7 25 2001 49,969,312 34,871,888 25,474,686 16,590,498 8,201,452 -
8 25 2001 48,190,370 32,956,199 23,494,547 14,565,339 6,149,102 -
9 25 2001 46,414,056 31,051,727 21,531,273 12,562,551 4,124,427 -
10 25 2001 44,718,635 29,242,425 19,671,391 10,670,354 2,216,537 -
11 25 2001 42,944,230 27,357,275 17,738,772 8,709,182 243,958 -
12 25 2001 41,175,147 25,485,587 15,824,877 6,771,796 - -
1 25 2002 39,484,121 23,705,255 14,009,816 4,939,640 - -
2 25 2002 37,714,490 21,850,463 12,123,962 3,040,911 - -
3 25 2002 35,948,684 20,007,668 10,255,283 1,164,260 - -
4 25 2002 34,262,905 18,256,689 8,484,843 - - -
5 25 2002 32,502,508 16,435,763 6,648,369 - - -
6 25 2002 30,745,875 14,626,616 4,828,664 - - -
7 25 2002 29,077,516 12,915,157 3,111,505 - - -
8 25 2002 27,340,074 11,139,481 1,334,092 - - -
9 25 2002 25,608,553 9,377,229 - - - -
10 25 2002 23,957,965 7,704,949 - - - -
11 25 2002 22,236,949 5,968,190 - - - -
12 25 2002 20,520,780 4,243,733 - - - -
1 25 2003 18,887,908 2,609,988 - - - -
2 25 2003 17,183,535 911,733 - - - -
3 25 2003 15,483,162 - - - - -
4 25 2003 13,862,034 - - - - -
5 25 2003 12,180,686 - - - - -
6 25 2003 10,505,408 - - - - -
7 25 2003 8,908,354 - - - - -
8 25 2003 7,243,178 - - - - -
9 25 2003 5,586,154 - - - - -
10 25 2003 4,011,312 - - - - -
11 25 2003 2,376,523 - - - - -
12 25 2003 752,081 - - - - -
1 25 2004 - - - - - -
<PAGE>
<CAPTION>
- ----------------------------------------------------------------------------------------------------------------------
Crestar Student Loan Trust 1997-1
Declining Balance Tables
Class A-2 Notes With No Clean-Up Call
- ----------------------------------------------------------------------------------------------------------------------
Constant Prepayment Rate
Date 0% 3% 5% 7% 9% 15%
- ----------------------------------------------------------------------------------------------------------------------
<S> <C>
12 16 1997 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
1 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
2 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
3 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
4 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
5 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
6 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
7 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
8 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
9 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
10 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
11 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
12 25 1998 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
1 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
2 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
3 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
4 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
5 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
6 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
7 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
8 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
9 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
10 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
11 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
12 25 1999 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
1 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
2 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
3 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
4 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
5 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
6 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
7 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
8 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
9 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
10 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
11 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
12 25 2000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000
1 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 82,789,440
2 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 80,487,151
3 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 78,229,933
4 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 76,116,000
5 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 73,945,493
6 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 71,819,275
7 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 69,830,259
8 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 67,788,173
9 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 65,787,975
10 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 63,917,322
11 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 84,000,000 61,996,844
12 25 2001 84,000,000 84,000,000 84,000,000 84,000,000 82,299,969 60,117,401
1 25 2002 84,000,000 84,000,000 84,000,000 84,000,000 80,466,558 58,358,641
2 25 2002 84,000,000 84,000,000 84,000,000 84,000,000 78,571,218 56,553,331
3 25 2002 84,000,000 84,000,000 84,000,000 84,000,000 76,702,537 54,786,129
4 25 2002 84,000,000 84,000,000 84,000,000 83,391,166 74,941,671 53,133,654
5 25 2002 84,000,000 84,000,000 84,000,000 81,556,425 73,123,890 51,439,444
6 25 2002 84,000,000 84,000,000 84,000,000 79,743,102 71,331,798 49,781,209
7 25 2002 84,000,000 84,000,000 84,000,000 78,036,112 69,648,811 48,234,896
8 25 2002 84,000,000 84,000,000 84,000,000 76,273,237 67,914,588 46,651,912
9 25 2002 84,000,000 84,000,000 83,574,690 74,532,582 66,206,384 45,103,723
10 25 2002 84,000,000 84,000,000 81,909,798 72,889,863 64,598,504 43,657,501
11 25 2002 84,000,000 84,000,000 80,184,967 71,192,039 62,940,527 42,176,271
12 25 2002 84,000,000 84,000,000 78,476,906 69,515,023 61,306,938 40,727,361
1 25 2003 84,000,000 84,000,000 76,863,031 67,934,581 59,771,314 39,375,407
2 25 2003 84,000,000 84,000,000 75,189,730 66,299,979 58,186,862 37,990,139
3 25 2003 84,000,000 83,224,866 73,532,162 64,684,968 56,625,365 36,634,954
4 25 2003 84,000,000 81,623,999 71,963,593 63,160,866 55,155,690 35,369,303
5 25 2003 84,000,000 79,969,066 70,345,457 61,591,860 53,645,826 34,077,063
6 25 2003 84,000,000 78,327,054 68,744,190 60,043,162 52,159,202 32,813,908
7 25 2003 84,000,000 76,768,911 67,229,068 58,581,821 50,760,191 31,634,423
8 25 2003 84,000,000 75,150,831 65,659,628 57,071,772 49,317,978 30,426,915
9 25 2003 84,000,000 73,547,221 64,108,214 55,582,781 47,899,337 29,247,608
10 25 2003 84,000,000 72,029,570 62,643,877 54,181,002 46,567,174 28,148,428
11 25 2003 84,000,000 70,459,599 61,132,422 52,737,270 45,198,095 27,026,019
12 25 2003 84,000,000 68,905,657 59,640,113 51,315,274 43,852,829 25,930,852
1 25 2004 83,211,120 67,437,469 58,233,758 49,978,524 42,591,315 24,911,318
2 25 2004 81,602,711 65,911,451 56,775,852 48,596,286 41,290,090 23,867,210
3 25 2004 79,999,935 64,397,316 55,333,214 47,232,102 40,009,135 22,846,994
4 25 2004 78,472,164 62,960,746 53,968,470 45,945,207 38,804,062 21,894,834
5 25 2004 76,881,043 61,470,515 52,556,289 44,616,812 37,563,082 20,921,113
6 25 2004 75,295,807 59,992,187 51,159,192 43,306,063 36,341,728 19,969,953
7 25 2004 73,791,895 58,595,451 49,842,665 42,074,065 35,196,646 19,084,816
8 25 2004 72,225,904 57,146,815 48,480,647 40,802,607 34,017,711 18,179,881
9 25 2004 70,673,435 55,716,064 47,138,687 39,552,836 32,861,590 17,298,606
10 25 2004 69,207,611 54,370,003 45,879,109 38,382,499 31,781,440 16,480,934
11 25 2004 67,687,793 52,979,217 44,580,608 37,178,666 30,672,809 15,647,170
12 25 2004 66,189,607 51,612,504 43,307,214 36,000,542 29,590,096 14,838,018
1 25 2005 64,772,482 50,324,681 42,110,292 34,895,864 28,577,327 14,086,575
2 25 2005 63,298,739 48,990,565 40,873,396 33,757,035 27,535,712 13,319,085
3 25 2005 61,830,143 47,666,945 39,649,644 32,633,346 26,510,650 12,569,585
4 25 2005 60,431,161 46,411,933 38,492,747 31,574,082 25,547,058 11,870,750
5 25 2005 58,972,884 45,109,157 37,294,986 30,480,212 24,554,477 11,156,147
6 25 2005 57,521,355 43,817,981 36,111,141 29,401,931 23,578,594 10,458,922
7 25 2005 56,144,053 42,598,062 34,995,692 28,388,667 22,663,968 9,810,527
8 25 2005 54,710,909 41,333,752 33,842,607 27,343,827 21,723,148 9,148,347
9 25 2005 53,294,082 40,088,368 32,709,466 26,319,451 20,802,889 8,505,114
10 25 2005 51,958,421 38,918,606 31,647,669 25,361,841 19,944,634 7,909,463
11 25 2005 50,591,945 37,724,599 30,565,578 24,387,512 19,072,850 7,307,600
12 25 2005 49,257,449 36,561,334 29,513,094 23,441,455 18,227,843 6,727,438
1 25 2006 47,995,071 35,465,339 28,524,047 22,554,689 17,437,791 6,189,072
2 25 2006 46,685,372 34,332,503 27,504,217 21,642,487 16,626,977 5,640,379
3 25 2006 45,383,167 33,210,935 26,497,283 20,744,217 15,830,635 5,105,611
4 25 2006 44,144,363 32,148,883 25,546,591 19,898,557 15,083,043 4,607,714
5 25 2006 42,857,082 31,049,611 24,565,077 19,027,647 14,315,013 4,099,888
6 25 2006 41,579,324 29,962,978 23,597,431 18,171,285 13,561,755 3,605,603
7 25 2006 40,369,013 28,938,063 22,687,247 17,367,944 12,857,013 3,146,787
8 25 2006 39,108,423 27,875,038 21,745,757 16,539,155 12,131,821 2,678,222
9 25 2006 37,858,848 26,825,572 20,818,717 15,725,193 11,421,418 2,222,672
10 25 2006 36,680,946 25,840,119 19,950,421 14,964,717 10,759,347 1,801,273
11 25 2006 35,493,552 24,848,036 19,077,164 14,200,738 10,095,015 1,380,140
12 25 2006 34,335,641 23,883,114 18,229,327 13,460,342 9,452,380 975,108
1 25 2007 33,242,981 22,976,171 17,434,493 12,768,006 8,852,984 600,185
2 25 2007 32,109,184 22,038,742 16,615,013 12,055,971 8,238,041 218,321
3 25 2007 30,980,950 21,110,045 15,805,484 11,354,549 7,633,929 -
4 25 2007 29,906,760 20,230,049 15,040,764 10,693,942 7,066,651 -
5 25 2007 28,784,282 19,314,650 14,247,589 10,010,698 6,481,565 -
6 25 2007 27,675,984 18,414,293 13,469,411 9,342,044 5,910,391 -
7 25 2007 26,626,632 17,565,543 12,737,922 8,715,266 5,376,470 -
8 25 2007 25,531,816 16,683,930 11,980,278 8,067,892 4,826,520 -
9 25 2007 24,438,129 15,807,451 11,229,380 7,428,228 4,284,740 -
10 25 2007 23,394,858 14,975,533 10,518,953 6,824,951 3,775,367 -
11 25 2007 22,302,344 14,108,453 9,780,753 6,199,960 3,249,207 -
12 25 2007 21,704,560 13,609,515 9,343,443 5,819,923 2,921,645 -
1 25 2008 21,171,758 13,163,350 8,951,805 5,479,224 2,627,797 -
2 25 2008 20,631,580 12,711,260 8,555,215 5,134,491 2,330,746 -
3 25 2008 20,111,147 12,275,733 8,173,301 4,802,712 2,045,080 -
4 25 2008 19,675,046 11,906,187 7,847,160 4,517,893 1,798,793 -
5 25 2008 19,246,997 11,541,769 7,524,857 4,235,993 1,554,770 -
6 25 2008 18,838,539 11,193,254 7,216,378 3,966,086 1,321,124 -
7 25 2008 18,465,117 10,874,059 6,933,701 3,718,724 1,107,037 -
8 25 2008 18,077,614 10,543,878 6,641,895 3,463,890 886,927 -
9 25 2008 17,692,292 10,216,811 6,353,538 3,212,658 670,427 -
10 25 2008 17,322,684 9,904,794 6,079,357 2,974,518 465,817 -
11 25 2008 16,942,754 9,584,643 5,798,403 2,730,841 256,763 -
12 25 2008 16,562,720 9,265,919 5,519,509 2,489,618 50,362 -
1 25 2009 16,197,910 8,961,664 5,254,172 2,260,847 - -
2 25 2009 15,814,607 8,643,607 4,977,650 2,023,121 - -
3 25 2009 15,430,187 8,326,256 4,702,601 1,787,360 - -
4 25 2009 15,088,296 8,042,469 4,456,025 1,575,620 - -
5 25 2009 14,731,461 7,747,488 4,200,374 1,356,622 - -
6 25 2009 14,373,822 7,453,327 3,946,214 1,139,533 - -
7 25 2009 14,030,861 7,172,765 3,704,601 933,801 - -
8 25 2009 13,669,849 6,879,009 3,452,438 719,736 - -
9 25 2009 13,307,162 6,585,469 3,201,280 507,180 - -
10 25 2009 12,959,496 6,305,591 2,962,597 305,809 - -
11 25 2009 12,597,531 6,015,320 2,715,649 97,955 - -
12 25 2009 12,254,572 5,739,574 2,480,815 - - -
1 25 2010 11,925,694 5,476,580 2,257,580 - - -
2 25 2010 11,580,669 5,202,011 2,025,213 - - -
3 25 2010 11,234,010 4,927,618 1,793,755 - - -
4 25 2010 10,913,483 4,674,063 1,580,023 - - -
5 25 2010 10,585,740 4,415,171 1,362,037 - - -
6 25 2010 10,256,787 4,156,678 1,145,083 - - -
7 25 2010 9,941,845 3,910,480 939,109 - - -
8 25 2010 9,612,193 3,653,957 725,104 - - -
9 25 2010 9,281,631 3,398,035 512,272 - - -
10 25 2010 8,964,595 3,153,913 309,932 - - -
11 25 2010 8,632,728 2,899,543 99,698 - - -
12 25 2010 8,300,506 2,646,144 - - - -
1 25 2011 7,982,668 2,404,957 - - - -
2 25 2011 7,649,186 2,153,128 - - - -
3 25 2011 7,314,670 1,901,815 - - - -
4 25 2011 6,999,172 1,665,627 - - - -
5 25 2011 6,668,271 1,419,102 - - - -
6 25 2011 6,336,772 1,173,362 - - - -
7 25 2011 6,019,886 939,640 - - - -
8 25 2011 5,687,722 695,815 - - - -
9 25 2011 5,355,222 452,943 - - - -
10 25 2011 5,037,347 221,930 - - - -
11 25 2011 4,703,924 - - - - -
12 25 2011 4,392,667 - - - - -
1 25 2012 4,102,658 - - - - -
2 25 2012 3,800,268 - - - - -
3 25 2012 3,498,269 - - - - -
4 25 2012 3,212,183 - - - - -
5 25 2012 2,947,773 - - - - -
6 25 2012 2,682,324 - - - - -
7 25 2012 2,427,353 - - - - -
8 25 2012 2,159,377 - - - - -
9 25 2012 1,890,804 - - - - -
10 25 2012 1,632,436 - - - - -
11 25 2012 1,360,345 - - - - -
12 25 2012 1,171,540 - - - - -
1 25 2013 996,872 - - - - -
2 25 2013 815,476 - - - - -
3 25 2013 635,928 - - - - -
4 25 2013 468,015 - - - - -
5 25 2013 309,159 - - - - -
6 25 2013 149,952 - - - - -
7 25 2013 - - - - - -
8 25 2013 - - - - - -
<PAGE>
<CAPTION>
- --------------------------------------------------------------------------------------------------------------
Crestar Student Loan Trust 1997-1
Declining Balance Tables
Class B-1 Notes With No Clean-Up Call
- --------------------------------------------------------------------------------------------------------------
Constant Prepayment Rate
Date 0% 3% 5% 7% 9% 15%
- --------------------------------------------------------------------------------------------------------------
<S> <C>
12 16 1997 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
1 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
2 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
3 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
4 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
5 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
6 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
7 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
8 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
9 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
10 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
11 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
12 25 1998 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
1 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
2 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
3 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
4 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
5 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
6 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
7 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
8 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
9 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
10 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
11 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
12 25 1999 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
1 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
2 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
3 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
4 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
5 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
6 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
7 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
8 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
9 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
10 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
11 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
12 25 2000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
1 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
2 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
3 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
4 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
5 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
6 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
7 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
8 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
9 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
10 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
11 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
12 25 2001 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
1 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
2 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
3 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
4 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
5 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
6 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
7 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
8 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
9 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
10 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
11 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
12 25 2002 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
1 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
2 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
3 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
4 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
5 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
6 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
7 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
8 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
9 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
10 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
11 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
12 25 2003 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
1 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
2 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
3 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
4 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
5 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
6 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
7 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
8 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
9 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
10 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
11 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
12 25 2004 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
1 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
2 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
3 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
4 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
5 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
6 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
7 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
8 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
9 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
10 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
11 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
12 25 2005 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
1 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
2 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
3 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
4 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
5 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
6 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
7 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
8 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
9 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
10 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
11 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
12 25 2006 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
1 25 2007 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
2 25 2007 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
3 25 2007 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000
4 25 2007 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,399,800
5 25 2007 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,399,800
6 25 2007 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 8,399,800
7 25 2007 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 7,383,637
8 25 2007 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 7,383,637
9 25 2007 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 7,383,637
10 25 2007 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 6,444,725
11 25 2007 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 6,444,725
12 25 2007 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 6,444,725
1 25 2008 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 5,762,150
2 25 2008 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 5,762,150
3 25 2008 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 5,762,150
4 25 2008 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 5,257,356
5 25 2008 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 5,257,356
6 25 2008 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 5,257,356
7 25 2008 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 4,834,288
8 25 2008 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 4,834,288
9 25 2008 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 4,834,288
10 25 2008 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 4,448,024
11 25 2008 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 4,448,024
12 25 2008 8,900,000 8,900,000 8,900,000 8,900,000 8,900,000 4,448,024
1 25 2009 8,900,000 8,900,000 8,900,000 8,900,000 8,755,207 4,087,730
2 25 2009 8,900,000 8,900,000 8,900,000 8,900,000 8,755,207 4,087,730
3 25 2009 8,900,000 8,900,000 8,900,000 8,900,000 8,755,207 4,087,730
4 25 2009 8,900,000 8,900,000 8,900,000 8,900,000 8,173,134 3,751,447
5 25 2009 8,900,000 8,900,000 8,900,000 8,900,000 8,173,134 3,751,447
6 25 2009 8,900,000 8,900,000 8,900,000 8,900,000 8,173,134 3,751,447
7 25 2009 8,900,000 8,900,000 8,900,000 8,900,000 7,630,798 3,443,297
8 25 2009 8,900,000 8,900,000 8,900,000 8,900,000 7,630,798 3,443,297
9 25 2009 8,900,000 8,900,000 8,900,000 8,900,000 7,630,798 3,443,297
10 25 2009 8,900,000 8,900,000 8,900,000 8,900,000 7,104,771 3,151,730
11 25 2009 8,900,000 8,900,000 8,900,000 8,900,000 7,104,771 3,151,730
12 25 2009 8,900,000 8,900,000 8,900,000 8,900,000 7,104,771 3,151,730
1 25 2010 8,900,000 8,900,000 8,900,000 8,612,754 6,611,039 2,883,122
2 25 2010 8,900,000 8,900,000 8,900,000 8,612,754 6,611,039 2,883,122
3 25 2010 8,900,000 8,900,000 8,900,000 8,612,754 6,611,039 2,883,122
4 25 2010 8,900,000 8,900,000 8,900,000 8,046,817 6,143,155 2,633,778
5 25 2010 8,900,000 8,900,000 8,900,000 8,046,817 6,143,155 2,633,778
6 25 2010 8,900,000 8,900,000 8,900,000 8,046,817 6,143,155 2,633,778
7 25 2010 8,900,000 8,900,000 8,900,000 7,514,627 5,705,772 2,404,897
8 25 2010 8,900,000 8,900,000 8,900,000 7,514,627 5,705,772 2,404,897
9 25 2010 8,900,000 8,900,000 8,900,000 7,514,627 5,705,772 2,404,897
10 25 2010 8,900,000 8,900,000 8,900,000 6,996,775 5,283,777 2,189,379
11 25 2010 8,900,000 8,900,000 8,900,000 6,996,775 5,283,777 2,189,379
12 25 2010 8,900,000 8,900,000 8,900,000 6,996,775 5,283,777 2,189,379
1 25 2011 8,900,000 8,900,000 8,592,810 6,493,317 4,877,000 1,986,660
2 25 2011 8,900,000 8,900,000 8,592,810 6,493,317 4,877,000 1,986,660
3 25 2011 8,900,000 8,900,000 8,592,810 6,493,317 4,877,000 1,986,660
4 25 2011 8,900,000 8,900,000 7,989,131 6,005,107 4,485,868 1,796,436
5 25 2011 8,900,000 8,900,000 7,989,131 6,005,107 4,485,868 1,796,436
6 25 2011 8,900,000 8,900,000 7,989,131 6,005,107 4,485,868 1,796,436
7 25 2011 8,900,000 8,900,000 7,401,529 5,533,915 4,111,477 1,618,667
8 25 2011 8,900,000 8,900,000 7,401,529 5,533,915 4,111,477 1,618,667
9 25 2011 8,900,000 8,900,000 7,401,529 5,533,915 4,111,477 1,618,667
10 25 2011 8,900,000 8,900,000 6,826,010 5,076,540 3,751,222 1,451,867
11 25 2011 8,900,000 8,900,000 6,826,010 5,076,540 3,751,222 1,451,867
12 25 2011 8,900,000 8,900,000 6,826,010 5,076,540 3,751,222 1,451,867
1 25 2012 8,900,000 8,445,623 6,287,093 4,650,938 3,418,103 1,300,570
2 25 2012 8,900,000 8,445,623 6,287,093 4,650,938 3,418,103 1,300,570
3 25 2012 8,900,000 8,445,623 6,287,093 4,650,938 3,418,103 1,300,570
4 25 2012 8,900,000 7,807,553 5,781,907 4,254,530 3,109,824 1,163,265
5 25 2012 8,900,000 7,807,553 5,781,907 4,254,530 3,109,824 1,163,265
6 25 2012 8,900,000 7,807,553 5,781,907 4,254,530 3,109,824 1,163,265
7 25 2012 8,900,000 7,246,259 5,338,362 3,907,314 2,840,548 1,044,574
8 25 2012 8,900,000 7,246,259 5,338,362 3,907,314 2,840,548 1,044,574
9 25 2012 8,900,000 7,246,259 5,338,362 3,907,314 2,840,548 1,044,574
10 25 2012 8,900,000 6,686,629 4,900,488 3,567,792 2,579,663 932,598
11 25 2012 8,900,000 6,686,629 4,900,488 3,567,792 2,579,663 932,598
12 25 2012 8,900,000 6,686,629 4,900,488 3,567,792 2,579,663 932,598
1 25 2013 8,900,000 6,235,471 4,546,103 3,292,224 2,367,513 841,431
2 25 2013 8,900,000 6,235,471 4,546,103 3,292,224 2,367,513 841,431
3 25 2013 8,900,000 6,235,471 4,546,103 3,292,224 2,367,513 841,431
4 25 2013 8,900,000 5,857,493 4,248,345 3,060,270 2,188,781 764,756
5 25 2013 8,900,000 5,857,493 4,248,345 3,060,270 2,188,781 764,756
6 25 2013 8,900,000 5,857,493 4,248,345 3,060,270 2,188,781 764,756
7 25 2013 8,897,138 5,520,869 3,983,396 2,854,192 2,030,325 697,397
8 25 2013 8,897,138 5,520,869 3,983,396 2,854,192 2,030,325 697,397
9 25 2013 8,897,138 5,520,869 3,983,396 2,854,192 2,030,325 697,397
10 25 2013 8,420,664 5,185,569 3,722,035 2,652,772 1,876,817 633,769
11 25 2013 8,420,664 5,185,569 3,722,035 2,652,772 1,876,817 633,769
12 25 2013 8,420,664 5,185,569 3,722,035 2,652,772 1,876,817 633,769
1 25 2014 7,936,547 4,850,367 3,463,351 2,455,308 1,727,696 573,549
2 25 2014 7,936,547 4,850,367 3,463,351 2,455,308 1,727,696 573,549
3 25 2014 7,936,547 4,850,367 3,463,351 2,455,308 1,727,696 573,549
4 25 2014 7,445,893 4,515,988 3,207,840 2,262,100 1,583,117 516,667
5 25 2014 7,445,893 4,515,988 3,207,840 2,262,100 1,583,117 516,667
6 25 2014 7,445,893 4,515,988 3,207,840 2,262,100 1,583,117 516,667
7 25 2014 6,949,217 4,182,777 2,955,715 2,073,250 1,443,087 -
8 25 2014 6,949,217 4,182,777 2,955,715 2,073,250 1,443,087 -
9 25 2014 6,949,217 4,182,777 2,955,715 2,073,250 1,443,087 -
10 25 2014 6,444,818 3,849,750 2,706,253 1,888,197 1,307,156 -
11 25 2014 6,444,818 3,849,750 2,706,253 1,888,197 1,307,156 -
12 25 2014 6,444,818 3,849,750 2,706,253 1,888,197 1,307,156 -
1 25 2015 5,969,458 3,538,748 2,474,705 1,717,482 1,182,530 -
2 25 2015 5,969,458 3,538,748 2,474,705 1,717,482 1,182,530 -
3 25 2015 5,969,458 3,538,748 2,474,705 1,717,482 1,182,530 -
4 25 2015 5,510,211 3,241,723 2,255,214 1,556,848 1,066,119 -
5 25 2015 5,510,211 3,241,723 2,255,214 1,556,848 1,066,119 -
6 25 2015 5,510,211 3,241,723 2,255,214 1,556,848 1,066,119 -
7 25 2015 5,108,084 2,982,350 2,063,994 1,417,284 965,286 -
8 25 2015 5,108,084 2,982,350 2,063,994 1,417,284 965,286 -
9 25 2015 5,108,084 2,982,350 2,063,994 1,417,284 965,286 -
10 25 2015 4,702,624 2,724,795 1,875,951 1,281,326 867,958 -
11 25 2015 4,702,624 2,724,795 1,875,951 1,281,326 867,958 -
12 25 2015 4,702,624 2,724,795 1,875,951 1,281,326 867,958 -
1 25 2016 4,298,246 2,471,598 1,692,791 1,150,089 774,836 -
2 25 2016 4,298,246 2,471,598 1,692,791 1,150,089 774,836 -
3 25 2016 4,298,246 2,471,598 1,692,791 1,150,089 774,836 -
4 25 2016 3,895,924 2,223,258 1,514,794 1,023,697 685,945 -
5 25 2016 3,895,924 2,223,258 1,514,794 1,023,697 685,945 -
6 25 2016 3,895,924 2,223,258 1,514,794 1,023,697 685,945 -
7 25 2016 3,492,782 1,978,080 1,340,743 901,266 600,635 -
8 25 2016 3,492,782 1,978,080 1,340,743 901,266 600,635 -
9 25 2016 3,492,782 1,978,080 1,340,743 901,266 600,635 -
10 25 2016 3,086,058 1,734,481 1,169,524 782,000 518,327 -
11 25 2016 3,086,058 1,734,481 1,169,524 782,000 518,327 -
12 25 2016 3,086,058 1,734,481 1,169,524 782,000 518,327 -
1 25 2017 2,721,810 1,518,155 1,018,342 677,300 - -
2 25 2017 2,721,810 1,518,155 1,018,342 677,300 - -
3 25 2017 2,721,810 1,518,155 1,018,342 677,300 - -
4 25 2017 2,381,948 1,318,510 879,830 582,071 - -
5 25 2017 2,381,948 1,318,510 879,830 582,071 - -
6 25 2017 2,381,948 1,318,510 879,830 582,071 - -
7 25 2017 2,118,337 1,163,695 772,490 508,346 - -
8 25 2017 2,118,337 1,163,695 772,490 508,346 - -
9 25 2017 2,118,337 1,163,695 772,490 508,346 - -
10 25 2017 1,851,064 1,009,157 666,423 - - -
11 25 2017 1,851,064 1,009,157 666,423 - - -
12 25 2017 1,851,064 1,009,157 666,423 - - -
1 25 2018 1,702,404 921,070 605,093 - - -
2 25 2018 1,702,404 921,070 605,093 - - -
3 25 2018 1,702,404 921,070 605,093 - - -
4 25 2018 1,629,875 875,139 571,932 - - -
5 25 2018 1,629,875 875,139 571,932 - - -
6 25 2018 1,629,875 875,139 571,932 - - -
7 25 2018 1,569,797 836,487 543,832 - - -
8 25 2018 1,569,797 836,487 543,832 - - -
9 25 2018 1,569,797 836,487 543,832 - - -
10 25 2018 1,510,787 798,936 516,720 - - -
11 25 2018 1,510,787 798,936 516,720 - - -
12 25 2018 1,510,787 798,936 516,720 - - -
1 25 2019 1,450,509 761,241 - - - -
2 25 2019 1,450,509 761,241 - - - -
3 25 2019 1,450,509 761,241 - - - -
4 25 2019 1,392,112 725,051 - - - -
5 25 2019 1,392,112 725,051 - - - -
6 25 2019 1,392,112 725,051 - - - -
7 25 2019 1,333,449 689,230 - - - -
8 25 2019 1,333,449 689,230 - - - -
9 25 2019 1,333,449 689,230 - - - -
10 25 2019 1,274,180 653,599 - - - -
11 25 2019 1,274,180 653,599 - - - -
12 25 2019 1,274,180 653,599 - - - -
1 25 2020 1,213,634 617,819 - - - -
2 25 2020 1,213,634 617,819 - - - -
3 25 2020 1,213,634 617,819 - - - -
4 25 2020 1,151,783 581,885 - - - -
5 25 2020 1,151,783 581,885 - - - -
6 25 2020 1,151,783 581,885 - - - -
7 25 2020 1,090,926 546,959 - - - -
8 25 2020 1,090,926 546,959 - - - -
9 25 2020 1,090,926 546,959 - - - -
10 25 2020 1,028,760 511,878 - - - -
11 25 2020 1,028,760 511,878 - - - -
12 25 2020 1,028,760 511,878 - - - -
1 25 2021 966,009 - - - - -
2 25 2021 966,009 - - - - -
3 25 2021 966,009 - - - - -
4 25 2021 902,290 - - - - -
5 25 2021 902,290 - - - - -
6 25 2021 902,290 - - - - -
7 25 2021 838,415 - - - - -
8 25 2021 838,415 - - - - -
9 25 2021 838,415 - - - - -
10 25 2021 774,269 - - - - -
11 25 2021 774,269 - - - - -
12 25 2021 774,269 - - - - -
1 25 2022 710,973 - - - - -
2 25 2022 710,973 - - - - -
3 25 2022 710,973 - - - - -
4 25 2022 648,006 - - - - -
5 25 2022 648,006 - - - - -
6 25 2022 648,006 - - - - -
7 25 2022 584,057 - - - - -
8 25 2022 584,057 - - - - -
9 25 2022 584,057 - - - - -
10 25 2022 521,188 - - - - -
11 25 2022 521,188 - - - - -
12 25 2022 521,188 - - - - -
1 25 2023 - - - - - -
2 25 2023 - - - - - -
3 25 2023 - - - - - -
4 25 2023 - - - - - -
</TABLE>
