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8333731v2 <br /> <br /> <br /> A-1 <br /> <br />EXHIBIT A <br /> <br />LOAN TERMS <br />Principal Amount: $7,500,000 <br />Maturity Date: 20 years from closing <br />Amortization: 20 years <br />Initial Rate ________% <br />Adjusted Rate: Rate equal to 67% of the sum of the 10-Year LIBOR/Swap Rate <br />plus 215 basis points. <br />Interest Rate Adjustment <br />Date: <br />___________ 1, 2027 <br />Payments: Two years of interest-only monthly payments and then monthly <br />payments of principal plus interest, all on the 1st day of each month <br />(the "Payment Date"). <br />Definitions: "10-Year LIBOR/Swap Rate" means the rate for 10-year interest <br />rate swaps (ICE Swap Rate midmarket par swap rates) as most <br />recently published prior to the Adjustment Date by the Federal <br />Reserve in Federal Reserve Statistical Release H.15, Selected <br />Interest Rates (Daily), found <br />at www.federalreserve.gov/releases/h15/update/ (the "Index"). The <br />rate so published shall control absent manifest error. If the Index is <br />no longer published by the Federal Reserve on the web site address <br />set forth above or otherwise made available, the Index shall be a <br />substantially comparable index selected by the Lender in its sole <br />discretion. <br />Prepayment: The Series 2017 Note will be subject to optional prepayment by the <br />Borrower on any date. Up to 15% of the outstanding principal <br />balance of the Series 2017 Note as of January 1 of each year may be <br />prepaid without a prepayment penalty or premium. Prepayment in <br />excess of 15% of the outstanding principal balance shall be subject <br />to a prepayment penalty expressed as a percentage of the principal <br />balance to be prepaid as follows: