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201301819 <br /> matter for which this Security Instrument does not specifically and expressly provide for the <br /> giving of notice by Lender or Trustee to Borrower. <br /> Section 10.3. INTENTIONALLY OMr1"I'ED. <br /> Section 10.4. SOLE DISCRETION OF LENDER. Whenever pursuant to this Security <br /> Instrument, Lender exercises any right given to it to approve or disapprove, or any arrangement <br /> or term is to be satisfactory to Lender, the decision of Lender to approve or disapprove or to <br /> decide whether arrangements or terms are satisfactory or not satisfactory shall (except as is <br /> otherwise specifically herein provided) be in the sole (but reasonable) discretion of Lender and <br /> shall be final and conclusive. <br /> Section 10.5. WAIVER OF TRIAL BY JURY. BORROWER AND LENDER EACH <br /> HEREBY AGREES NOT TO ELECT A TRIAL BY JURY OF ANY ISSUE TRIABLE OF <br /> RIGHT BY JURY, AND WAIVES ANY RIGHT TO TRIAL BY JURY FULLY TO THE <br /> EXTENT THAT ANY SUCH RIGHT SHALL NOW OR HEREAFTER EXIST WITH <br /> REGARD TO THE LOAN DOCUMENTS, OR ANY CLAIM, COUNTERCLAIM OR <br /> OTHER ACTION ARISING IN CONNECTION THEREWITH. THIS WAIVER OF <br /> RIGHT TO TRIAL BY JURY IS GIVEN KNOWINGLY AND VOLUNTARILY BY <br /> BORROWER AND LENDER, AND IS INTENDED TO ENCOMPASS INDIVIDUALLY <br /> EACH INSTANCE AND EACH ISSUE AS TO WHICH THE RIGHT TO A TRIAL BY <br /> JURY WOULD OTHERWISE ACCRUE. EACH OF LENDER AND BORROWER IS <br /> HEREBY AUTHORIZED TO FILE A COPY OF THIS PARAGRAPH IN ANY <br /> PROCEEDING AS CONCLUSIVE EVIDENCE OF THIS WAIVER BY BORROWER <br /> AND LENDER. <br /> Section 10.6. WAIVER OF FORECLOSURE DEFENSE. Borrower hereby waives any defense <br /> Borrower might assert or have by reason of Lender's failure to make any tenant or lessee of the <br /> Property a party defendant in any foreclosure proceeding or action instituted by Lender. <br /> Article 11 — INTENTIONALLY OMITTED <br /> Article 12 — NOTICES <br /> Section 12.1. NOTICES. All notices or other written communications hereunder shall be <br /> delivered in accordance with the applicable terms and conditions of the Loan Agreement. <br /> Notices to the Trustee shall be sent as follows: <br /> First American Title Insurance Company <br /> 13924 Gold Circle <br /> Omaha, NE 68144 <br /> Article 13 — APPLICABLE LAW <br /> Section 13.1. GOVERNING LAW. The governing law and related provisions contained in <br /> Section 17.2 of the Loan Agreement are hereby incorporated by reference as if fully set forth <br /> herein. <br /> 79582.000016 EMF_US 44373001v1 <br />