| Interest continues to accrue until paid in full. Interest is calculated as follows: |
| 12% simple interest | from July 1, 1982 through October 30, 1991 |
| 11% interest compounded quarterly | from October 31, 1991 through June 30, 2006 |
| 11.25% interest compounded quarterly | from July 1, 2006 through September 30, 2007 |
| 11% interest compounded quarterly | from October 1, 2007 and quarterly thereafter |