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<br />Apr-13-00 02:40P First Home, Inc. <br /> <br />415 387 1369 <br /> <br />P.15 <br /> <br />71t "5 7 <br /> <br />The Loan Agreement further provides that in the event [hat the real property encumbered <br />by this deed of trust has a value at the date of the repayment of the Note or the occurrence of the <br />Disqualitying Event which is in excess of the cost of the real property t then the Beneficiary is <br /> <br />entitled to receive a portion of the appreciation in value. <br /> <br />The NOte and the Loan Agreement also provide that in the event the Participant, either <br />voluntarily or involuntarily, terminates employment with a participating employer, there is an <br /> <br />adjustment in the interest rate and the terms of repayment. <br /> <br />Trustor <br /> <br />TrustOr <br /> <br />Redwlllld City Redevc:lC,lpmcnt Agency - April 2000 <br /> <br />Page 2 <br /> <br />'""~"T"'" <br />