An investor contracts a 5.6 Million ARM with 30-year monthly payments and annual interest rate adjustments. The teaser rate (1st year only) is 2%. Annual cap is 3%, and lifetime cap is 5.8%. The index for the loan is the LIBOR, and the loan has a margin of 180 basis points. It is expected that the LIBOR will increase by 1.8% on the second year (at the end of Year-1), and by another 1.2% on the third year (at the end of Year-2). Current Yield on Libor is 3.15%. The loan is prepaid in 3 years. Calculate Beginning balance, Index + Margin Rate, Contract Rate, Monthly payments, and Year End balance for years 1-3.