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56 201305319 ARTICLE VII Special Idaho Provisions Section 7.1. Inconsistencies. With respect to the Property located in the state of Idaho, the provisions set forth in this Article shall apply to and be made a part of the Mortgage. In the event of any inconsistencies between the terms and provisions of this Article and the other terms and provisions of this Mortgage, or to the extent, and only to the extent, any of the terms and provisions in this Article conflict with, or are ambiguous when read together with, any of the other terms and provisions of this Mortgage, the provisions of this Article shall govem. Capitalized words and phrases contained in this Article shall have the definition ascribed to them in the main body of the Mortgage, unless the context manifestly requires otherwise. Section 7.2. Redemption. Pursuant to I.C. 11 -310, in the event of a mortgage foreclosure of the Mortgaged Property located in the state of Idaho, Mortgagor has the statutory right to redeem the Mortgaged Property located in the state of Idaho within one year if the Mortgaged Property is more than twenty (20) acres and within six months if the Mortgaged Property is twenty (20) acres or less. Section 7.3. Statute of Frauds. Under I.C. 9- 505(5), a promise or commitment to lend money or to grant credit in an original principal amount of fifty thousand dollars ($50,000) of more, made by a person or entity engaged in the business of lending money or extending credit, must be in writing or such a promise or commitment is not valid. Section 7.4. One Action Rule. Pursuant to I.C. 6 -101, Idaho maintains a one -action rule for the recovery of any debt or the enforcement of any right secured by a mortgage upon real property. Thus, upon the occurrence and during the continuance of any Event of Default, in order for Secured Party to collect on the indebtedness secured by the Mortgage, Secured Party must foreclose on this Mortgage. Section 7.5. Deficiency Judgment. In the event of a mortgage foreclosure, the parties acknowledge that Idaho law may limit the amount of any deficiency judgment to the difference between the indebtedness (plus costs of foreclosure and sale) and the reasonable value of the Mortgaged Property. ARTICLE VIII Special Indiana Provisions Section 8.1. Inconsistencies. With respect to the Property located in the state of Indiana, the provisions set forth in this Article shall apply to and be made a part of the Mortgage. In the event of any inconsistencies between the terms and provisions of this Article and the other terms and provisions of this Mortgage, or to the extent, and only to the extent, any of the terms and provisions in this Article conflict with, or are ambiguous when read together with, any of the other terms and provisions of this Mortgage, the provisions of this Article shall govern.