Normalized Payment Schedules creating a dummy 0 payment every period, irrespective of frequency we s

Dear PN gurus,

When i create a payment schedule like $12000  Frequency = Annual, Start Date = "1-Jan-2018", End Date = "31-Dec-2022" and schedule day = "1"

System is creating 60 Payment schedules as below:

1-Jan-2018 = $12000

1-Feb-2018 = $0

1-Mar-2018 = $0

1-Apr-2018 = $0

1-May-2018 = $0

1-Jun-2018 = $0

1-Jul-2018 = $0

1-Aug-2018 = $0

1-Sep-2018 = $0

1-Oct-2018 = $0

1-Nov-2018 = $0

1-Dec-2018 = $0

1-Jan-2019 = $12000

The issue, is i see all these payment schedules in Authorize payment screen, how to eliminate these $0