<table><tbody><tr style="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<td style="width: 0.5in; font: 10pt Times New Roman, Times, Serif"></td><td style="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><font style="font-family: Symbol">·</font></td><td style="text-align: justify; font: 10pt Times New Roman, Times, Serif"><font style="font-family: Times New Roman, Times, Serif">Interest accrues on outstanding loans
at a per annum rate equal to the greater of (i) 4.0%, and (ii) the Bank’s prime rate as from time to time in effect plus
one percent;</font></td></tr>                             <tr style="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<td style="font: 10pt Times New Roman, Times, Serif">&nbsp;</td><td style="font: 10pt Times New Roman, Times, Serif">&nbsp;</td><td style="text-align: justify; font: 10pt Times New Roman, Times, Serif">&nbsp;</td></tr>
</tbody></table>
<table><tbody><tr>
<td></td><td><font>·</font></td><td><font>Interest accrues on outstanding loans
at a per annum rate equal to the greater of (i) 4.0%, and (ii) the Bank’s prime rate as from time to time in effect plus
one percent;</font></td></tr> <tr>
<td> </td><td> </td><td> </td></tr>
</tbody></table>