Amortization Period. The amortization period is the time it would take to paythe loan in full, with interest at a given interest rate, by instalments of a given frequency and amount. There are four basic factors for the loan: the amount, interest rate, instalment and amortization period. With any three of them, we can work out the fourth. The mortgage uses the following amortization periods:

Amortization Period. See Attachment 1 for incorporation by reference of all other Loan information referred to in this section of the Commitment/Certificate. (Continued on Attachment 1) -------------------------------------------------------------------------------- Initial Premium Description Annual Renewals % See Attachment 1 --------------------------------------------------------------------------------

Amortization Period. See Attachment 1 for incorporation by reference of all other Loan information referred to in this section of the Commitment/Certificate. (Continued on Attachment 1) --------------------------------------------------------------------------------------------------------------------------------- Initial Premium Description Annual Renewals % See Attachment 1 ---------------------------------------------------------------------------------------------------------------------------------

Amortization Period. 25 years. The Homeowner must repay the Incentive in full plus the Shared Equity Amount on the date that is no later than 25 years from the Date of Advance.