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`n Example of ADP Targeting Strategy <br />We select which layers to pay, which can make a big difference in savings <br />10-Year Strategy: <br />• Utilized for <br />short term <br />budget /cash <br />flow relief <br />30-Year Strategy: <br />• Utilized for <br />maximum <br />interest cost <br />savings <br />WUF , I <br />$1801" <br />$160,000 <br />$140,000 <br />$120,000 <br />$100,000 <br />$80,000 <br />$60,000 <br />$40,000 <br />$20,000 <br />TARGETING STRATEGIES <br />$1 Million UAL: 10-Yearvs. 30-YearAmortization <br />■ 10 Yea r = $1,413,000 Payments <br />■ 30-Year = $2,761,000 Payments <br />1 2 3 4 5 6 7 8 9 10 1112 13 14 15 16 17 18 19 20 2122 23 24 25 26 27 28 29 30 <br />