Prior to the Anticipated Repayment Date, the Borrower will pay interest only on the Note in monthly installments of approximately $0.4 million. From and after the Anticipated Repayment Date, the Borrower will pay to the Lender, in addition to the monthly installments of interest due and payable under the Note, all excess cash flow from the 100 East Pratt Building to be applied to the outstanding principal amount under the Note. The Borrower may prepay the Note in full any time after July 11, 2015 without incurring a prepayment fee. If a prepayment is tendered prior to July 11, 2015, the Borrower must pay a prepayment fee in an amount equal to the sum of (i) the interest which would have accrued on the outstanding principal amount under the Note for the period from and including the prepayment date to, but excluding, the eleventh day of the calendar month following the prepayment date, plus, (ii) if the prepayment date occurs prior to the Anticipated Repayment Date, an amount equal to the greater of (a) one percent of the outstanding principal amount under the Note on the prepayment date, or (b) an amount equal to the Present Value Yield Differential. The Present Value Yield Differential is defined as the excess, if any, of (i) the amount of the monthly interest which would otherwise be payable on the outstanding principal balance under the Note from (A) the date (the "Yield Determination Date") which is the eleventh day of the calendar month following the prepayment date through and including (B) the Anticipated Repayment Date, over (ii) the amount of the monthly interest Lender would earn if an amount equal to the outstanding principal balance under the Note as of the prepayment date was invested for the period from the Yield Determination Date through the Anticipate Repayment Date at the Yield Rate. The Yield Rate shall be the monthly equivalent yield on securities issued by the United States Treasury having a maturity corresponding to that of the Note.

The Loan Agreement executed by the Borrower, Mortgagor and Lender in connection with the Note provides that the occurrence of any of the following will constitute an event of default by the Borrower: (a) the Borrower fails to make any required payment of interest on or before the date on which it is due and payable, (b) the Borrower fails to make any scheduled deposits into the reserve accounts when due and payable, (c) the Borrower fails to pay the outstanding principal balance of the Note, together with all accrued and unpaid interest, on the Scheduled Maturity Date, or, if the ARD Option is exercised by the Lender, the Anticipated Repayment Date. If an event of default exists, the Lender may, at its option, declare the outstanding principal balance of the Note, together with all accrued and unpaid interest, and all costs of collection and any applicable prepayment fee noted above, immediately due and payable.