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a <br />Unnie W. Causey <br />Attorney at Law <br />1.829 F. Franklin Streot, 600 Franklin Square <br />Chapel Hill, NC 27514 <br />(919)967 -0010 phone <br />(919)967.0210 rax <br />September 15, 2003 <br />State Employees' Credit Union <br />RE: Refinance for Alex and Franccs Hcss <br />1907 Wbite Plains .Road <br />Chapel Hill, NC <br />Please find enclosed a copy of the second Deed of Trust to Orange County on the <br />referenced property. Please note the "Loan Terms" as indicated in Exhibit A attached to <br />the recorded document.. These loan terms includes repayment/defennent of said loan as <br />follows: <br />The Deferred Loan shall be secured against the property for ten years.. <br />As long as Alex and Frances Hess own the property and do not convey their <br />interest in the property during that ten year period, the subject lien shall be released, and <br />Mr. and Mrs. Hess shall be forgiven any repayment for this loan. <br />Ve y truly youQ ���\,�� <br />innic W. Causey <br />