On December $31,2017,$ Mr$.$ Richard wants to purchase a house whose fair market value on the date is $$20,000$ and HSBC bank agrees to lend Mr$.$ Richard a maximum amount of $$15,000$ secured by a mortgage on the house. Thus Mr$.$ Richard must come up with $$5,000$ to complete the transaction. The terms and conditions of the bank loan require that Mr$.$ Richard must repay the loan by December $31,2019$ by paying equal quarterly installments. Installments will include both the principal and $12\%$ interest rate compounded quarterly on the declining balance.

Prepare an amortization schedule for the first two installments only.