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REDWOOD CITY REDEVELOPMENT AGENCY <br />FIRST TIME HOMEBUYER PROGRAM <br />ter" <br />FEDERAL TRUTH IN LENDING DISCLOSURE STATEMENT <br />Date: April 10. 2002 Borrower: Maritza T'echioli and Pablo Ordone: <br />Address: 1140 Whipple .iyegue #28, ,Redvut od Cirv, CA 94062 <br />Title Insurance premium to title insurance company <br />$ 0 <br />Loan Collection Set Up Fee <br />$ 0 <br />Credit Report <br />$ 0 <br />Other <br />$ 0 <br />Total Loan Fees <br />$ 0 <br />-Principal <br />$100,000 <br />Annual interest rate <br />4.000% <br />Term Deferred five years, Amortized over 25 <br />30 years <br />Periods(per year) <br />12 <br />Number of Payments <br />300 <br />StartDate -Be .innhi in year 6 <br />June 01, 2007 <br />Monthly Payment <br />$ 527.84 <br />Bank Collection Fee' <br />$10.00 <br />Total Monthly Payment <br />$ 537.84 <br />APR Annual Percentage Rate (Cost of your credit at a yearly rate) <br />4.1802% <br />Charges Financed <br />Amount Disbursed <br />Total Principal <br />$ 100,000 <br />Total Interest <br />$ 58,352 <br />Total Collection Fees <br />$ 3,000 <br />Total Estimated over Life of Loan <br />$ 161,352 <br />1 Bank collection fee may be increased by Collection Agent in the future. <br />Redwood City First Time Homebuyer Silent Loan Program - Shared appreciation agreement April 23, 2001 <br />Page 7 <br />Illlllllilillllllllnlllillllllllllllllilllllllllllll ",03e:mu"`" <br />