Payment Type:                       Principal & Interest               Payment Frequency:                 Monthly

Repayment Terms:                    The interest rate will be fixed at 7.75% fixed for 5 years; converting to WSJP + 1.00% every 5 years
                                        thereafter.

Initial Interest Rate:              7.750%                             Type of Rate:                      Variable

Pricing Index:                      WALL STREET JOURNAL                Margin:           1.000%           Floor:            7.750%
    Repricing Frequency:                5 Year              3/2/1/17       Max Adj.:         N/A              Ceiling:          N/A