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The money factor is the same no matter the miles.
For the residual, add 2% to the 15K mile residual to get the 12K mile residual. And add 3% to the 15K mile residual to get the 10K mile residual.
So for you (12K miles/yr) the residual should be 60% and the money factor should be 0.00220 ... those are the November numbers.
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