Exhibit 10 .14 A
LATE PAYMENT RIDER
This Rider is referred to in paragraph 3 of, and constitutes a part of, a note of Borrower to the Bank dated as of
November 3, 2005 (the “Note”).
Borrower agrees to all of the Terms and Conditions set forth below.
Terms and Conditions :
Without limiting or waiving any rights or remedies of the Bank contained in the Note or under applicable
law, and without implying that the Bank has any obligation to declare or to notify the Borrower of the occurrence
of any Event of Default, if the Bank has neither declared nor notified the Borrower of the occurrence of an Event
of Default, and if any amount of any required payment of principal, interest fees and/or Late Charge (as defined
below) under the Note is not paid in full within (7) seven days after the same is due, then in addition to all interest,
penalty interest or other fees due to the Bank pursuant to the Note, any rider to the Note or any agreement or
document related to this credit facility, the Borrower shall pay the Bank a late fee equal to $14.30 for each day
thereafter. Any amount due under this paragraph shall be referred to herein as a “Late Charge”. If the Note, this
Rider or any other Rider refers to the Note, such reference shall be deemed to include this Rider.
The Borrower shall pay any and all such Late Charges in addition to all payments of principal, interest
and fees (if any) under the Note, provided, however, that during any time that any of the above Late Charges
would cause the total interest payable under the Note to exceed the applicable maximum lawful rate of interest,
then the sum of (a) all such Late Charges and (b) the amount of interest payable at the Applicable Rate shall
automatically be reduced to an amount that shall not exceed the amount of interest payable at such maximum rate.
New York Branches
1177 Avenue of the Americas New York NY 10036-2790
T. 212 782 2000 F. 212 782 2222 www.hapoalimusa.com
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