In addition to the interest rate shown, all loans have a service charge of 0.75 percent per annum.

2 Approved loans which have not become effective and disbursements thereunder will not begin until the borrower and guarantor, if any, take certain actions and furnish certain documents to the Bank.

Of the undisbursed balance of loans held by the Bank, the Bank has entered into irrevocable commitments to disburse $3,009,986.