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Res 26-02ORB( 1~J58 P8 ~699 Palm Beach County, Florida RESOLUTION NO. 26.02 A RESOLUTION OF THE CITY ODMMISSION OF TIlE CITY OF DELRAY BEACH, FLORIDA, PROVIDING FOR THE CERTIFICATION AND ADOPTION OF THE FINAL ASSESSMENT ROLL FOR THE ROYAL PALM BOULEVARD SPECIAL ASSESSMENT DISTRICT TO INCLUDE THOSE PROPERTIES BORDERING ON ROYAL PALM BOULEVARD EAST OF FEDERAL HIGHWAY, AS MORE FULLY DESCRIBED HEREIN; PROVIDING FOR THE ASSESSMENT AMOUNT TO EACH PROPERTY; PROVIDING FOR THE METHOD OF PAYMENT OF THE SPECIAL ASSESSMENT; PROVIDING AN EFFECTIVE DATE. WHEREAS, on January 18, 2000, the City Commission adopted Resolution 6-00 which established the preliminary assessment roll based on an estimated cost of the street improvements of $120,550.00. The actual total cost of the improvement is $124,728.00. The CRA will contribute $30,138.00, the abutting property owners will contribute $60,276.00 and the City will contribute the remainder, and WHEREAS, the Special Assessmem District will include all those properties listed on the assessmem roll attached hereto as Exhibk "A', and as shown on the map attached hereto as Exhibk "B"; and WHEREAS, each property owner shall be assessed based on front footage and square footage for each property that abuts Royal Palm Boulevard such that the benefits received by each abutting property are proportionate to that property's assessment; and WHEREAS, each property owner may pay their assessment in one lump sum no hter than sixty (60) days following adoption of the final assessment roll; and WHEREAS, each property owner may pay the assessment in ten (10) annual installments at an interest rate of eight percent (8%), as indicated on the amortization tables attached hereto as Exhibit "C"; and WHEREAS, the owner of the property within the District for which an assessment is levied shall thereafter be responsible for payment thereof. WHEREAS, the cost of the street improvement is equally distributed among the assessed properties on foot frontage and square footage basis and bears a rational rehtionship to the benefits received by the properties assessed; and Res. No. 26-02 WHEREAS, pursuant to Florida Statute Section 170.07, the property owners have been given 30 days notice of the public hearing and notice o£ the public hearing has been given by two publications a week apart in a newspaper of general circulation in Palm Beach County;, and WHEREAS, pursuant to Florida Statute Section 170.08, a public hearing has been scheduled for March 19, 2002 in which the governing authority will meet for final consideration of the special assessrrlent. NOW, THEREFORE, BE IT RESOLVED BY THE CITY COMMISSION OF THE CITY OF DELRAY BEACH, FLORIDA, AS FOLLOWS: Section 1. That the City Commission of the City of Delray Beach, Florida, following a duly noticed public hearing, does hereby adopt the above recitals as if fully set forth herein. Section 2. That the City Commission of the City of Delray Beach, Florida, hereby adopts and certifies the final assessment roll for the Royal Palm Special Assessment District, as set forth in Exhibk "A" which is attached hereto and incorporated herein. Section 3. That this resolution shall become effective immediately upon passage. PASSED AND ADOPTED in reg~lar session on this the 19th day of March, 2002. MAYOR Gty Clerk 2 Res. No.26-02 BOOK 13558 ROYAL PALM S__PECIAL ASSESSMENT DISTRICT SECTION: 09 SUBDIVISION: 18 BLOCK: 001 LOT: OWNER INFORMATION: Antonio's Mama Rosa Inc 1645 N Federal Hwy Delray Beach, FL 33483 0010 ASSESSMENT: $2,882.00 PARCEL ADDRESS: 1645 N Federal Hwy LEGAL: ROYAL PALM GARDENS PL3 LOTS 1 & 2, LT 3 (LESS RD R/W), LOTS 4 & 5 BLOCK A SECTION: 09 SUBDIVISION: 18 BLOCK: 001 LOT: 0060 OWNER INFORMATION: Delray Estuary 832 S. Military Trail Deerfield Beach, FL 33442 ASSESSMENT: $7,205.00 PARCEL ADDRESS: Royal Palm Blvd LEGAL: ROYAL PALM GARDENS PLAT NO 3 LOTS 6, 7, 8, 9 & 10 BLOCK A SECTION: 09 SUBDIVISION: 18 BLOCK: 001 LOT:0110 OWNER INFORMATION: Delray Estuary 832 S. Military Trail Deerfield Beach, FL 33442 ASSESSMENT: $12,955.00 PARCEL ADDRESS: Royal Palm Blvd LEGAL: ROYAL PALM GARDENS PLAT NO 3 LOTS 11 TO 15 INC BLOCKA& LOTS 12 TO 15 INC BLOCK B SECTION: 09 SUBDIVISION: 18 BLOCK: 002 LOT: 0080 OWNER INFORMATION: Payne, Nyoma & Litton, Marsha 750 Royal Palm Blvd Delray Beach, FL 33483 ASSESSMENT: $9,101.00 PARCEL ADDRESS: Royal Palm Blvd LEGAL: ROYAL PALM GARDENS PLAT NO 3 LOTS 8, 9, 10 & 25 BLOCK B ]hid. bit A SECTION: 09 SUBDIVISION: 18 BLOCK: 002 LOT: OWNER INFORMATION: Payne, Nyoma 750 Royal Palm Blvd. Delray Beach, FL 33483 0110 ASSESSMENT: $1,441.00 PARCEL ADDRESS: Royal Palm Blvd LEGAL: ROYAL PALM GARDENS PLAT NO 3 LT 11 BLOCK B SECTION: 09 SUBDIVISION: O0 BLOCK: 000 LOT: 1000 OWNER INFORMATION: Delray Estuary 832 S. Military Trail Deerfield Beach, FL 33442 ASSESSMENT: $26,961.07 PARCEL ADDRESS: LEGAL: 9-46-43, SLY 334.66 FT OF NLY 988.58 FT OF ELY 726.15 FT OF NE % LYG W OF & ADJ TO W LI OF INTRACOASTAL WATERWAY BEING ABNDED LOTS 16 TO 24 BLK A, 16 TO 24 BLK B & LOTS 1 TO 6 BLK C K/A PT OF FIND MSA 642A OF ROYAL PALM GARDENS PL 3 TOGETHER WITH: 9-46-43, SLY 971.94 FT OF NLY 1960.52 FT OF E 667.02 FT OF NE % LYG W OF & ADJ TO W LI OF I NTRACOASTAL WATERWAY K/A ABNDED LOTS 20 TO 27, 29 TO 34 BLK C, 21 TO 27, 29 TO 34 BLK E, LTS I TO 10 BLK F & LAKE OF LA HACIENDA DELRAY PLAT & E 629.84 FT OF LOT 1 LYG E OF FED HWY OF HARRY SEEMILLER SUB l · ROYAL~ PALM LAKE AVENUE N. ' , ' ; I i / /~; , , ;1 ,// ,, LAKE AVENUE $ , ; ' It' ; , ' : ~ , DENER I i ' ES.R./~A, RY .. N ROYAL PALM BOULEVARD SPECIAL ASSESSMENT DISTRICT BOUNDARY Antonio's Mama Rosa Principal 2,882.20 Rate 8% Annual Payment 429.53 Installment 8% Annual Debt Number Principal Interest Service I 198.96 230.58 429.53 2 214.87 214.66 429.53 3 232.06 197.47 429.53 4 250.63 178.90 429.53 5 270.68 158.85 429.53 6 292.33 137.20 429.53 7 315.72 113.81 429.53 8 340.98 88.56 429.53 9 368.26 61.28 429.53 10 397.72 31.82 429.53 2,882.20 1,413.13 4.295.33 Please note that the interest reflected in the above schedule assume that payments are made on the payment dates. Interest will be adjusted accordingly. Payne Principal 1,441.10 Rate 8% Annual Payment 214.77 Installment 8% Annual Debt Number Principal Interest Service I 99.48 115.29 214.77 2 107.44 107.33 214.77 3 116.03 98.73 214.77 4 125.31 89.45 214.77 5 135.34 79.43 214.77 6 146.17 68.60 214.77 7 157.86 56.91 214.77 8 170.49 44.28 214.77 9 184.13 30.64 214.77 10 198.86 15.91 214.77 1,4.41.10 706.56 2,147.66 Please note that the interest reflected in the above schedule assume that payments are made on the payment dates. Interest will be adjusted accordingly. Payne & Lytton Principal Rate Annual Payment 9,101.14 8% 1,356.34 Installment 8% N umber Principal Interest 1 628.25 728.09 2 678.51 677.83 3 732.79 623.55 4 791.41 564.93 5 854.72 501.62 6 923.10 .. 433.24 7 996.95 359.39 8 1,076.71 279.63 9 1,162.84 193.50 10 1,255.87 100.47 Annual Debt Service I 356.34 I 356.34 I 356.44 I 356.44 I 356.44 I 356.44 I 356.44 I 356.44 I 356.44 1 356.44 9,101.14 4,462.24 13,563.38 Please note that the interest reflected in the above schedule assume that payments are made on the payment dates. Interest will be adjusted accordingly. Delray Estuary Principal 26,961.07 Rate 8% Annual Payment 4,017.99 Installment 8% Annual Debt Number Principal Interest Service I 1,861.11 2,156.89 4,017.99 2 2,010.00 2,008.00 4,017.99 3 2,170.80 1,847.20 4,017.99 4 2,344.46 1,673.53 4,017.99 5 2,532.02 1,485.98 4,017.99 6 2,734.58 1,283.41 4,017.99 7 2,953.35 1,064.65 4,017.99 8 3,189.61 828.38 4,017.99 9 3,444.78 573.21 4,017.99 10 3,720.37 297.63 4,017.99 26,961.07 13,218.87 40,179.94 Please note that the interest reflected in the above schedule assume that payments are made on the payment dates. Interest will be adjusted accordingly. Delray Estuary Principal Rate Annual Payment 12,955.05 8% 1,930.68 Installment Number 8% Annual Debt Principal Interest Service 1 2 3 4 5 6 7 8 9 10 894.28 965.82 I 043.09 1 1 1 1 1 1 1 1,036.40 1,930.68 964.86 1,930.68 887.60 1,930.68 126.54 804.15 1,930.68 216.66 714.03 1,930.68 313.99 616.69 1,930.68 419.11 511.57 1,930.68 532.64 398.04 1,930.68 655.25 275.43 1,930.68 787.67 143.01 1,930.68 12,955.05 6,351.79 19,306.84 Please note that the interest reflected in the above schedule assume that payments are made on the payment dates. Interest will be adjusted accordingly. Oelray Estuary Principal 7,205.44 Rate 8% Annual Payment 1,073.82 Installment 8% Annual Debt Number Principal Interest Service I 497.39 576.44 1,073.82 2 537.18 536.64 1,073.82 3 580.15 493.67 1,073.82 4 626.57 447.26 1,073.82 5 676.69 397.13 1,073.82 6 730.83 343.00 1,073.82 7 789.29 .. 284.53 1,073.82 8 852.44 221.39 1,073.82 9 920.63 153.19 1,073.82 10 994.28 79.54 1,073.82 7,205.44 3,532.79 10,738.23 Please note that the interest reflected in the above schedule assume that payments are made on the payment dates. Interest will be adjusted accordingly. ~00K ]3558 F~GE ~7]m Dorothy Ho UiZken~ Clerk [ITY OF I)ELARY BEREH 1993 CITY CLERK 100N.W lstAVENUE 2001 DELRAY BEACH, FLORIDA 33444 561/243-7000 CERTIFICATION I, ANGELA WONG, Deputy City Clerk of the City of Delray Beach, do hereby certify that the attached document is a true and correct copy of Resolution No. 26-02, as the same was passed and adopted by the Delray Beach City Commission in regular session on the 19th day of March, 2002. IN WITNESS WHEREOF, I have hereunto set my hand and the official seal of the City of Delray Beach, Florida, on this the 22"d day of March, 2002. Deputy City Clerk City of Delray Beach, Florida Prlnted or/Recycled Paper THE EFFORT ALWAYS MATTERS c~ [IT¥ OF I]ELRI:I¥ BEI:I[H CITY ATTORNEY'S OFFICE 200 NW 1st AVENUE · DELRAY BEACH, FLORIDA 33444 TELEPHONE 561/243-7090 · FACSIMILE 561/278-4755 Writer's Direct Line. (561) 243-7090 1993 MEMORANDUM DATE: March 11, 2002 TO: FROM: City Commission Brian Shutt, Assistant City Attorney SUBJECT: Resolution # 26-02, adopting the final assessment roll for the Royal Palm Boulevard Special Assessment District The attached resolution, if approved, will adopt the final assessment roll for the Royal Palm Boulevard Special Assessment District. The improvements that were made included upgrades to water and sewer utilities and street improvements consisting of, among other things, the construction of a sidewalk, curbing, drainage structures and a median. The City is paying all costs with regard to the water and sewer improvements. The cost for the street improvements will be shared by the City, the CRA and the property owners abutting Royal Palm Boulevard to the East of Federal Highway. The City and the CRA will each contribute $30,138 for the street improvements. The abutting property owners will divide $60,276 based on the amount of front footage and total square footage of their properties that abut Royal Palm Boulevard. Approval of this resolution will adopt the final assessment roll. The property owners will have 60 days to pay the assessment in one lump sum. In the alternative, the property owners may pay the assessment in ten annual installments at an interest rate of 8%. The City's Finance Department will administer the collection of the assessments. By copy of this memorandum to the City Manager, our office requests that this item be placed on the agenda for the March 19, 2002 City Commission agenda. Please do not hesitate to contact me if you should have any questions. CCi David T. Harden, City Manager Barbara Garito, City Clerk Richard Hasko, Director of Environmental Services Randal Krejcarek, City Engineer Diane Dominguez, Director, CRA RESOLUTION NO. 26-02 A RESOLUTION OF THE CITY COMMISSION OF THE CITY OF DELRAY BEACH, FLOP/DA, PROVIDING FOR THE CERTIFICATION AND ADOPTION OF THE FINAL ASSESSMENT ROLL FOR THE ROYAL PALM BOULEVARD SPECIAL ASSESSMENT DISTRICT TO INCLUDE THOSE PROPERTIES BORDERING ON ROYAL PALM BOULEVARD EAST OF FEDERAL HIGHWAY, AS MORE FULLY DESCRIBED HEREIN; PROVIDING FOR THE ASSESSMENT AMOUNT TO EACH PROPERTY; PROVIDING FOR THE METHOD OF PAYMENT OF THE SPECIAL ASSESSMENT; PROVIDING AN EFFECTIVE DATE. WHEREAS, on January 18, 2000, the City Commission adopted Resolution 6-00 which established the preliminary assessment roll based on an estimated cost of the street improvements of $120,550.00. The actual total cost of the improvement is $124,728.00. The CRA will contribute $30,138.00, the abutting property owners will contribute $60,276.00 and the City will contribute the remainder; and ' WHEREAS, the Special Assessment District will include all those properties listed on the assessment roll attached hereto as Exhibit "A", and as shown on the map attached hereto as Exhibit "B"; and WHEREAS, each property owner shall be assessed based on front footage and square footage for each property that abuts Royal Palm Boulevard such that the benefits received by each abutting property are proportionate to that property's assessment; and WHEREAS, each property owner may pay their assessment in one lump sum no later than sixty (60) days following adoption of the final assessment roll; and WHEREAS, each property owner may pay the assessment in ten (10) annual installments at an interest rate of eight percent (8%), as indicated on the amortization tables attached hereto as Exhibit "C"; and WHEREAS, the owner of the property within the District for which an assessment is levied shall thereafter be responsible for payment thereof. WHEREAS, the cost of the street improvement is equally distributed among the assessed properties on foot frontage and square footage basis and bears a rational relationship to the benefits received by the properties assessed; and WHEREAS, pursuant to Florida Statute Section 170.07, the property owners have been given 30 days notice of the public hearing and notice of the public hearing has been given by two publications a week apart in a newspaper of general circulation in Palm Beach County; and WHEREAS, pursuant to Florida Statute Section 170.08, a public hearing has been scheduled for March 19, 2002 in which the governing authority will meet for final consideration of the special assessment. NOW, THEREFORE, BE IT RESOLVED BY THE CITY COMMISSION OF THE CITY OF DELRAY BEACH, FLORIDA, AS FOLLOWS: Section 1. That the City Commission of the City of Delray Beach, Florida, following a duly noticed public hearing, does hereby adopt the above recitals as if fully set forth herein. Section 2. That the City Commission of the City of Delray Beach, Florida, hereby adopts and certifies the final assessment roll for the Royal Palm Special Assessment District, as set forth in Exhibit "A" which is attached hereto and incorporated herein. Section 3. That this resolution shall become effective immediately upon passage. PASSED AND ADOPTED in regular session on this the 19th day of March, 2002. ATTEST: MAYOR City Clerk 2 Res. No.26-02 ROYAL PALM SPECIAL ASSESSMENT DISTRICT SECTION: 09 SUBDIVISION: 18 BLOCK: 001 LOT: 0010 OWNER INFORMATION: Antonio's Mama Rosa Inc 1645 N Federal Hwy Delray Beach, FL 33483 ASSESSMENT: $2,882.00 PARCEL ADDRESS: 1645 N Federal Hwy LEGAL: ROYAL PALM GARDENS PL3 LOTS 1 & 2, LT 3 (LESS RD R/VV), LOTS 4 & 5 BLOCK A SECTION: 09 SUBDIVISION: 18 BLOCK: 001 LOT: 0060 OWNER INFORMATION: Delray Estuary 832 S. Military Trail Deerfield Beach, FL 33442 ASSESSMENT: $7,205.00 PARCEL ADDRESS: Royal Palm Bird LEGAL: ROYAL PALM GARDENS PLAT NO 3 LOTS 6, 7, 8, 9 & 10 BLOCK A SECTION: 09 SUBDIVISION: 18 BLOCK: 001 LOT: 0110 OWNER INFORMATION: Delray Estuary 832 S. Military Trail Deerfield Beach, FL 33442 ASSESSMENT: $12,955.00 PARCEL ADDRESS: Royal Palm Bird LEGAL: ROYAL PALM GARDENS PLAT NO 3 LOTS 11 TO 15 INC BLOCK A & LOTS 12 TO 15 INC BLOCK B SECTION: 09 SUBDIVISION: 18 BLOCK: 002 LOT: 0080 OWNER INFORMATION: Payne, Nyoma & Litton, Marsha 750 Royal Palm Blvd Delray Beach, FL 33483 ASSESSMENT: $9,101.00 PARCEL ADDRESS: Royal Palm Bird LEGAL: ROYAL PALM GARDENS PLAT NO 3 LOTS 8, 9, 10 & 25 BLOCK B SECTION: 09 SUBDIVISION: 18 BLOCK: 002 LOT: 0110 OWNER INFORMATION: Payne, Nyoma 750 Royal Palm Blvd. Delray Beach, FL 33483 ASSESSMENT: $1,441.00 PARCEL ADDRESS: Royal Palm Bird LEGAL: ROYAL PALM GARDENS PLAT NO 3 LT 11 BLOCK B SECTION: 09 SUBDIVISION: O0 BLOCK: 000 LOT: 1000 OWNER INFORMATION: Delray Estuary 832 S. Military Trail Deerfield Beach, FL 33442 ASSESSMENT: $26,961.07 PARCEL ADDRESS: LEGAL: 9-46-43, SLY 334.66 FT OF NLY 988.58 FT OF ELY 726.15 FT OF NE ¼ LYG W OF & ADJ TO W LI OF I NTRACOASTAL WATERWAY BEING ABNDED LOTS 16 TO 24 BLK A, 16 TO 24 BLK B & LOTS 1 TO 6 BLK C KJA PT OF FIND MSA 642A OF ROYAL PALM GARDENS PL 3 TOGETHER WITH: 9-46-43, SLY 971.94 FT OF NLY 1960.52 FT OF E 667.02 FT OF NE ¼ LYG W OF & ADJ TO W LI OF I NTRACOASTAL WATERWAY K/A ABNDED LOTS 20 TO 27, 29 TO 34 BLK C, 21 TO 27, 29 TO 34 BLK E, LTS 1 TO 10 BLK F & LAKE OF LA HACIENDA DELRAY PLAT & E 629.84 FT OF LOT 1 LYG E OF FED HWY OF HARRY SEEMILLER SUB ALLEN AVENUE · ROYAL-~ PALM ' EASTVIEW AVE. ] II · II I · · I · i LAKE AVENUE N. j J it I ,I ,/ LAKE AVENUE S J 0ENERY LANE 'THE ES ~, ~R CITY OF DEl..RAY B£A(:1~-I FL PLANNING ~ ZONING O£PARTMENT ROYAL PALM BOULEVARD SPECIAL ASSESSMENT DISTRICT BOUNDARY · .... · Exhibit B Antonio's Mama Rosa Principal 2,882.20 Rate 8% Annual Payment 429.53 Installment 8% Annual Debt N umber P rincip al Interest Service 1 198.96 230.58 429.53 2 214.87 214 66 429.53 3 232.06 197.47 429.53 4 250.63 178.90 429.53 5 270.68 158.85 429.53 6 292.33 137.20 429.53 7 315.72 113.81 429.53 8 340.98 88.56 429.53 9 368.26 61.28 429.53 10 397.72 31.82 429.53 2,882.20 1,413.13 4.295 33 Please note that the interest reflected in the above schedule assume that payments are made on the payment dates. Interest wdl be adjusted accordingly. Payne Principal 1,441 10 Rate 8% Annual Payment 214.77 Installment 8% Annual Debt Number Principal Interest Service 1 99.48 115.29 214.77 2 107 44 107.33 214.77 3 116.03 98.73 214 77 4 125.31 89.45 214.77 5 135.34 79.43 214.77 6 146.17 68.60 214.77 7 157.86 56.91 214.77 8 170.49 44.28 214.77 9 184.13 30.64 214.77 10 198.86 15.91 214.77 1,441.10 706.56 2,147.66 Please note that the interest reflected in the above schedule assume that payments are made on the payment dates. Interest will be adjusted accordingly. Payne & Lytton Principal 9,101 14 Rate 8% Annual Payment 1,356.34 Installment 8% Annual Debt Number Principal Interest Service 1 628.25 728.09 1,356.34 2 678.51 677.83 1,356.34 3 732.79 623.55 1,356 44 4 791.41 564.93 1,356.44 5 854.72 501.62 1,356.44 6 923.10 ._ 433.24 1,356.44 7 996.95 359.39 1,356.44 8 1,076.71 279.63 1,356.44 9 1,162.84 193.50 1 , 356.44 10 1,255 87 100.47 1,356.44 9,101.14 4,462.24 13,563.38 Please note that the interest reflected in the above schedule assume that payments are made on the payment dates. Interest will be adjusted accordingly. Delray Estuary Principal 26,961.07 Rate 8% Annual Payment 4,017 99 Installment 8% Annual Debt Number Principal Interest Service I 1,861.11 2,156.89 4,017.99 2 2,010.00 2,008.00 4,017.99 3 2,170.80 1,847.20 4,017.99 4 2,344.46 1,673.53 4,017.99 5 2,532.02 1,485.98 4,017.99 6 2,734 58 1,283.41 4,017.99 7 2,953.35 1,064.65 4,017.99 8 3,189.61 828.38 4,017.99 9 3,444.78 573.21 4,017.99 10 3,720.37 297.63 4,017.99 26,961.07 13,218.87 40,179.94 Please note that the interest reflected ~n the above schedule assume that payments are made on the payment dates. Interest will be adjusted accordingly. Oelray Estuary Principal Rate Annual Payment 12,955 05 8% 1,93O.68 Installment 8% Number Pnncipal Interest Annual Debt Service 1 2 3 1 4 1 5 1 6 1 7 1 8 1 9 1 10 I 894.28 1,036.40 965 82 964.86 043.09 887.60 126.54 804.15 216.66 714.03 313.99 616.69 419.11 511.57 532.64 398.04 655 25 275.43 787.67 143.01 1,930.68 I 930.68 1 930.68 1 930.68 I 930.68 1 930.68 I 930.68 1 930.68 1 930 68 I 930.68 12,955.05 6,351 79 19,306.84 Please note that the interest reflected in the above schedule assume that payments are made on the payment dates. Interest will be adjusted accordingly Oelray Estuary Principal Rate Annual Payment 7,205.44 8% 1,073.82 Installment 8% Number Principal Interest Annual Debt Service 1 497.39 576.44 2 537.18 536.64 3 580.15 493.67 4 626.57 447.26 5 676.69 397 13 6 730.83 343.00 7 789.29 284.53 8 852.44 221.39 9 920.63 153.19 10 994.28 79.54 1,073.82 1 073.82 1 073.82 I 073.82 I 073.82 I 073.82 1 073.82 1 073.82 1 073.82 1 O73.82 7,205.44 3,532.79 10,738.23 Please note that the interest reflected ~n the above schedule assume that payments are made on the payment dates. Interest will be adjusted accordingly.