1. Prepare (using a spreadsheet package) an entire duration amortization schedule as follows: Initial amount: Shs 4,000,000/=; rate of interest: 14% per annum; period: 10 years payable monthly in arrears. An additional amount of Shs 400,000/= is repaid with the 30th installment, and the monthly installment recomputed to fully pay the loan balance in the initially agreed period. The rate of interest is adjusted to 16% per annum with effect from the end of the fourth year. The monthly repayment is recomputed to fully pay the loan balance in the initially agreed period. The borrower enhances his monthly repayments by Shs 10,000/= per month from the end of month 74. The borrower is advanced an additional Shs 500,000/= at the end of month 80 and the monthly repayment is recomputed to fully pay the loan balance in 9 months less than had initially been agreed.