Repayment Language

“In the first year beginning [Origination Date], no principal or interest payments shall be due. In the second year beginning [Origination Date + 12 months], fixed principal payments of [According to FHLB Amortization Schedule] and interest payments based on 3% interest of the principal balance accrued on 30/360 basis, will be due monthly. In the third year and going forward, beginning [Origination Date + 24 months], fixed principal payments of [According to FHLB Amortization Schedule] and interest payments based on 6% interest of the principal balance accrued on 30/360 basis, will be due monthly until all sums of principal and accrued but unpaid interest hereunder have been paid.”