These new loan documents improve transactional and operational efficiency both internally and externally, reduce redundancies, and provide greater consistency and uniformity in the mortgage loan documents going forward.

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Schedule 4 to Multifamily Loan and Security Agreement (Prepayment Premium Schedule -- Graduated Prepayment Premium -- 5 Year Fixed Rate Period)

Schedule 4 to Multifamily Loan and Security Agreement (Prepayment Premium Schedule -- Graduated Prepayment Premium -- 7 Year Fixed Rate Period)

Schedule 4 to Multifamily Loan and Security Agreement (Prepayment Premium Schedule -- Graduated Prepayment Premium -- 10 Year Fixed Rate Period)

Schedule 4 to Multifamily Loan and Security Agreement (Prepayment Premium Schedule - Graduated Prepayment Premium - SARM)

Schedule 4 to Multifamily Loan and Security Agreement (Prepayment Premium Schedule - 1 Prepayment Premium - ARM, SARM)

Schedule 4 to Multifamily Loan and Security Agreement (Prepayment Premium Schedule - Original Defeasance)

Schedule 4 to Multifamily Loan and Security Agreement (Prepayment Premium Schedule - Alternative Defeasance)

Schedule 4 to Multifamily Loan and Security Agreement (Prepayment Premium Schedule -- Graduated Prepayment Premium -- 12 Year Fixed Rate Period)

Schedule 4 to Multifamily Loan and Security Agreement (Prepayment Premium Schedule -- Graduated Prepayment Premium -- 15 Year Fixed Rate Period)

Schedule 4 to Multifamily Loan and Security Agreement (Prepayment Premium Schedule -- Graduated Prepayment Premium -- 18 Year Fixed Rate Period)