Question: Help with formulas to complete excel! No interest for the first 1 2 months. Need help with inputing interest from month 1 3 - 4

Help with formulas to complete excel!
No interest for the first 12 months.
Need help with inputing interest from month 13-48 along with dragging and figuring it out. Thank you
Help with formulas to complete excel! No interest for the first

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