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11 <br /> SCHEDULE 3.1 <br /> Orange County <br /> Installment Purchase Contract — Number Three <br /> PRINCIPAL : $ 259,600.00 AIPPAkrt. <br /> RATE : 7.00% <br /> TERM : 5 years <br /> PAYMENT : $ 15,495.84 <br /> A prepayment of this transaction will be subject to the following prepayment penalty expressed as a <br /> percentage of the BALANCE AFTER INSTALLMENT PAYMENT <br /> Year <br /> 1 3.0000 <br /> 2 2.0000 <br /> 3 1.0000 <br /> 4 0.0000 <br /> 5 0.0000 <br />