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An ARM is made for $150,000 for 30 years with the following terms: Initial Interest Rate: 3% Index: 1 year Treasuries: 3% EOY 1 and 4% EOY 2 Payments: reset each year Margin: 2.5 percent Interest Rate Cap: none Payment Cap: 5% Negative Amortization: allowed Discount points: 2 percent What is the monthly payment and loan balance (EOY) for each year (Y1, Y2, Y3)