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<br /> �EE� �F T��J�T
<br /> L��r� N�: �7������� {���t��1���} ���� �
<br /> . Tru��.
<br /> jVl a�nt�r��r��� �f [n��r�r+��� �ru���r �I��l l �r��t�r� and m�int�i n ��1 i�i�s �� �ir� ins+�r�n�� �itE� st�r�d�r� �xt�r�d��
<br /> G�v���g� �n��rs�m�r,t� �r� � r�pla��rrt�n� la��i� f�r �h� �uC! ir,sura�l� ��[u� ���r�rin� al� �mpr�v�m�r��s �� �h� F����
<br /> �r�p�rty i� an �m��n� ���i�i�r�t t� ���rd ��p[i��ti�n �f �r�y ��i��uran�� �C��s�, �nd v�ritl� � ��t�n�f�rd rr��rtg����
<br /> cl�u�� i�f�v�r�f L�r�d�r, �a��th�r v�rith�����th�r h���rd �r�� lia�E]i�y in�r�r�r,�� as L���]�r rn�y r����n���y r��uir�.
<br /> ��li�i�� �hali �� vtrrit��n ir� f�rm� �rrti�ur��sl �av�ra��s �nd ���is r����n�bly �����t�C�l� t� L�r�d�r �n�f is�u�� �y a
<br /> ���p�r�y �r ��m��ni�� r�as�n��ly ����p���[� �� L�r�d�r, Tr��t�rl u��n r��u��t �# L�n��r, �ill �C�liv�r �� L�r�d�r
<br /> fr�r� tim���tirrt�tl�e ��li�i���r ��rti�i�a��s ���n������� in ��rm s��ki�f�ct�ry t� L�r���rr ir�c[ur�in� �tipt�l�tian�th��
<br /> ��v�ra��s v�ril[ r��� �e �����[l�al Q� �imir�i�l��� v�ritt���tt �t I���t t�n ('��} d�y� pri�r v�ritt�n n��i�� �� L�nd�r. �a�l�
<br /> i r�s�r�n�� p�l i�y�ls� �l�a�l i r��l ud� an �n���s�m��t p��vi�f ing th�� ��v�r��� i r� fi�v�r�f ��rr��r v�ri[� nat �� i m�air�d
<br /> ir� �ny w�y�y �r�y��tr �mEs�iQn or��#�u[t�f Trust�r�r�rry��h�r��rs�n. �h��l�l �h� F���I Pr�perk�,r �� I���t�d ir�
<br /> �n �r�� d�sig r��t��l 1�y th� A�m�n����a�ar��tl�� F��1�r�! �m�r��n�y fl��r������nt A��r��y �� � sp��i al �I��� ha��r�t
<br /> �r��, Tru�t�r ��r��� �� �}�tair� �nd m�ir�t�ir� ����r�I �[a��i I rtsu�an�e, E�F �v�il a�l�r ��r th� m��imr�m �rrt�ur�t ��
<br /> gQrr��r�rrS ���Clit 1Ct�� �C�� �h�fu11 un�ai� prin�ip�] �al�r��� v��ny �r��r li��s �r� �h� pr�p�rt�r���ur�r�� ��� l��n, ��
<br /> to �he ���ci�um ��I i�y lirrlit�s�t�r���r�1�� Nati�r�a� Fl��d 1 ns�ran�� Pr��ra r�� �r a� ����rwi�� r���ir�� �y L�n��r,
<br /> �n�t� rr��ir���ir����F� ir�suran��f�r th�t�rrr��f th� [�an.
<br /> Ap�li�a�i�r� �f�r������. Tru���r �h�ll pr�rn��iy n��if� L���l�r���r�y i�s� �r d��ag� �a �h� �r�p�rty. L�n�i�r rr�ay
<br /> rna k� �r��f �� 1��� if Tr�a$t�r f�i[s �t� d� sa v��th�n fi�t��n ���� day� �� t�� �����l�r. V1Il��tl���r �r r,�t L�r�d�r'�
<br /> s���ri�y �� ir,�p�ir�d, �.����r m�y, at L����r's �E��ti�r�r r���iv� ���] ��tain t�i� �r����d� �f�ny ir�s�r�n�� �n�[ a�Aly
<br /> �h� p r������ �� t1�� r���a��i�n �f tk�e I r�d��t�dr��s�, �ayrn�nt �f �r�y ]i en a#f��#i n� �E�� �rQ�er�rr �r tl�� r��t�r��i�r�
<br /> �n� r�p�ir�f t�� Pr���rty. ff L�n��r�I���s �� �pp��r t�n� pr����ds t� r��t�rati�r, �rr� ���air� Tr�st�r �f��][ rep�ir�r
<br /> r�pE��� �h� d�rr�a��� �r ��s�r�y�� [rrtipr���rn�r�t� in � m�n��r �atisf��t�ry �� L��,��r. L�r���r sk��l[� �t���
<br /> s��isf�ct�ry �r��f �f s�r�[� �x��nd it��er �ay �r ���m b�rs� Trust�r fr�rrt �th� pr����d� f�r th�� r�as�n�[�[� ��st �f
<br /> ��paif �r r����r��i�� if Tr�st�r i� ��t ir� ��faul� ur���r �hi� �eed �f Tr���. Any pr�����f� �i���� F���� n�t E���r�
<br /> �isl�ur��d �nrithir� �S� d�y� aft�r�h�ir r���i�t �n� v,��i��t L�r�d�r Y�a� n�� ��rnmE��d t� t[�� r��air �r ���tQ��ti�n �f
<br /> th� P��p�rt��h�ll Y�� ���d fzr��t� p�y an�r ���un-t �v�rin�t� L�n�t�r r�n��r�kl�i� ���d �f Tru�t� th�n �a �ay�c�ru��
<br /> irit�r�sfi� �n� th� r�mair�d�r, if anyr sl�all �e �p�[ied t� th� �rir��ip�[ Y�a��n�� �fi th� ]n���x��r����. I�r L�n�l�� 1��[ds
<br /> an�r �r�����s a#��r ��ymer�t in �ull �f th� lr�d��t��n���r su�� �r�����s �F��f! �� p�i�i t� �ru�t�r �� �ru��ar's
<br /> i���rest�m ay�pp�ar.
<br /> ��m�ran�� v�rith F�ci�tin� [n�l�bt��n�ss. d uri r�g��� ��ri�d i n irvhi�h �n�r E����in� [n������ir��s� tl�s�ri�e� l�el�w is
<br /> ic� �f����� ��rr��rlEar��� v�it[� th� in�uran�� pr�vi�i�n� c�n��ir���f ir� tl�e ir,�trum�nt �vi��n�in� ���h E�i���r��
<br /> [r,d��t��n��� �F�al! ��nsti�ut� ��m�[��r��� �it�t tE�� in�ur�n�� pr�v�si�n� �rn�er #his ���d �f Tru�t, t� th� ��t�nt
<br /> ��mpli�r�c� �rvith tF�� t�fms �f thi� ���� �f Tr��� wQ�l�i ��r�stittat� � d��li��ti�rt �f i��uran�� r���i��rr��nt. �t �ny
<br /> pr�����s �r�m tf�� in��r�n�� I������ ��y��l� �r� [assr tl�� pr�v�s i�n� i r�thi� ���� �#Tr�st��r di�isi�r, �f�r��e�d�
<br /> �h�fl ���1��r�ly t�t�i�t��rti�r��f th� prQ����� n�#��y�l�l�t�the E��l��r���h� ��isti�� Ir��I�����n��s.
<br /> �F[��EF�'� F�FEN D IT�R E�. 1� �r�s��r f�il� {I-�} �a [���� �h� Pr���r�y �r�� �# �I1 ����s� [i�r��f ���u�i#�r �r,t�r�s�s�
<br /> �n��m�r�n��sF ar�d �tl��r �I aim�, �6) t� �r��ri�l� a n� r����r�� i r��ur�ri�� �rt t�� ���p�rt�, {�) �� rr��k� r�p�ir� �� �h�
<br /> �r���r�r �r �a ���p]� v�ri�h �ny �]�Ei���i�n �� r��ir�fi�ir� E�i�tir�g ]����t�dn��� in ���� ���n�ir�� �s r��uir�d f��[�w, th�n
<br /> L����r ma� �I� ��. �f �r�� �c�tr�n �r �ra����i�� is camr��r���� th�t w�ul� m��t�ria[��r �ff��t L�nd�r'� int�r���� an th�
<br /> �r���r�� th,�n L�r,d�r �� Tru���r's ��h��f m�yr �Ll� ES �,�t r��ui r�� t�f ta k� any ��ti�r� �h�� ��n��r ��l��v�� to ��
<br /> ���r��ri�t� #� prQt�� L�r���r's ir��t�r���s. A[1 ��p��s�� in�urr�� �r ��i� i�� L�r��er f�r su�h �ur����s �nrill th�n Ia��r
<br /> ir�#�r��t �t t�� r�t� �har��d �and�r tf�� �r��[i� A�r��sr��nt �r�rn th� �a-t� in�r�rr�� �r pai� �y L�r���r t� �I�� ��t� �f
<br /> rep�ym�r�� by'�ru���r. I�C1 ���� ���ert�es�rv ill b���m� � pa rt��the [nd�����n�s� �r�d f �� �..��l��f�S ���i�llr v�il[ {�►) ��
<br /> p�y��1� �r, d�rr�ar�d; ��} �� a���d t� �h� ��l�n�� �f�E�� ����1�t A�r��rn�nt �nd �� ��p�rti�r���l �m�n� �n�1 k�� ��y��[�
<br /> v�ith a ny i r���a�lm�n�p��m�n�s t� I����rri��i ue dU rin J�it��r {1� t��t�rm �f�ny���l���t}��� ir�s�r�n�� ��1 i�y� �� ��� tl��
<br /> r�m ai r�i n���rrn �f�1�� �r�dit A����m�r��f �r {�} �� �r��t�� �s a ��IE��r, p�y��nt v�rhi�F� will �� �u� �n� ��}r�k�l� ���1��
<br /> �r�di�A�r��m�r��'� m aturity. Th� ���cf �f Tru�t�Is�v,ril[ �e�rar� ��y��n���th�s��m�u�ts. Tl�� rig�t� pr�vi�e� ��r i n
<br /> �h�� �ar2�gr�i�f� si��f] [�� ir� additian �� any �th�r ri�h�s �r �ny r�m�dE�� �� w€�i��t L�r�d�r m�y 1�� �nti�l��J �n ����ur�� �#
<br /> �ny d�#�r�l�. Any su�� ��ti�n by L�r�d�r s�al! ��t }�� ��r��tru�d �� ��ran� t�� ��f��,l� �a �s t� ��r L��t��r fr�m �r��►
<br /> r�m����h��i��t��rwi�e v�r�ul� ha�e ha�.
<br /> VI�AF��ANTY� �����d�E�F T[T�E. Tl����ll�v3r�n� �r�vi�i�r,�r���tin�t� av�rn���hip�f tf�� �r���r�y�r� � ��rt�f this a���
<br /> af Tr��-t:
<br /> "1'itl�. Tru�tar v�rarr�n�� that: (a} Tr����r h���� ���� �r��i rr7arl���ab[� titl� �f r���rd �o �h� �r�p�rty in ���sirr��l�,
<br /> fr�� an� c[��r �� all li�ris �ri� �r��urr��r�r,��s ��h�r th�r� th��� ��# ��rth ir� tl�� �e�l Prap�rty ��s�ripti�r� ar in ���
<br /> Exi��i r�� lr��]��t��in�s� ����i�n �e[�w �r i n �ny���I� iris�r�r�c� ��li�yr titf� r�p�rtr �r fin�l �itl��pini�� i�su�� ir�fav�r
<br /> �f� �nd ac�ept�� ��r, ��n�l�r in ��r�r���ti�n v�rith this ����1 �f T����, ��� {�� �ru���r Yt�� tF�� f�fl r�g}��r p��nr�r, an�i
<br /> autl��r��y t�����ut��r�d d��iv�r thi� ���d af Trust t� Le�td�r.
<br /> D�f�n�� �f�'i�l�. ��f�j��t ta tl�� �x���ti�n ir� th� �ara�rap� �����, �Trust�r ������ts a�r��i wi�1 f�r�v�r �l���r�� ���
<br /> �i�[e �� t1�� �r���rty ���ir�st th� l��v��l �f�im� af a[! ��rs�r��. l�th� �v�r�t �ny ��ti�n �� pr����din� i� ��rr��rrer����
<br /> th�t�u�sti�n��r����r's tit�� ar tE�� i�t�r�st�f Trust�� �r L�n�i�r�n��r thi� ���d a�Tru�t�Trust�r shali �fe-��r�� ���
<br /> ���i�n at Trust�r'� ��p�n��. Tru�tar m�� 1�� �h� r��rr�ir��! p�rt�r in ��ch �r�����in�r br�t L�nd�r s�i�ll �� ����tl�� ��
<br /> ��rt��ip�t� i n th� �r����dirt� ��d t� �e r�pres�nt�d �n t�� �r�����i�g �y ���r,s�[ �f L�n���'s �v�r n �h�i��r an�
<br /> Trust�r wil! �t�liv��� �r ��r�s�t� 1�� ��liv�r�d, ta L�nd��s��f� instr�rn��t� �� �.����r m�y requ��t fr�rn ti���� tim�
<br /> t� p�rm[�s��h ��rki�ip�tian.
<br /> ��mpli�nce �fl�i#� L�ws. Trust�r v�r�rr�nt� �h�� the �ro��rt� �rid Tr��t�r'� �r�� �� �h� �r���rty �am�li�� v����t all
<br /> ��istirr���p]i�a�I e I��r�, �rdina���s{ ��t�l t'��ul�ti�n�����v��t�m�n�al �u�h�riti�s.
<br /> ��arviv�l �� l�r��i��s. AIC ��arrtis��� ��r��m�nt�{ an�I �ta���nents Tru�t�r [��� rr��d� ir, this ����[ �f `[�'ru�t sh�ll
<br /> ��r�riv� th� ����u�i�r� ���f d�lrven�r�f thi� I�e�� of Tr�str �Ft�[! �e ��n�in�i�� �n r���ure an� sha�� r�rrt�ir� ir��r�[I �r�r��
<br /> �n�i �ff��t ur�ti����h�ime�s B�rr��v�r's I r�d�k�t�cl��s� i� p�i� i n fulf.
<br /> ��[�T[[I�� I�aEgTF��E�S. TI����1 f�vtirin� �r��i�i�n$ ��ncernin� E�i�tir�� I�d���edn��� �r�� p�r�❑�th�s ����i �f Tr�st:
<br /> Exis��r�� Lie�. Tf�� li�r� �f th�i� I���� �f Tr��� ��curir�� �E�� Ir�d��t�d��s� may b� ��c�ndary �r�d ir�f�ri�r t� ��
<br /> e�€istir�� �i�r�, �rr���ar ���r����� c�v�n�nts ��€� ��r��s t� p�y� �r���t� tf�� ��yrrt�r�t�f� �h� E�i�t[n� lnr��t����ne��
<br /> �n�l �� pr�v�r�t any��f�ult���r��l� in�l����r�n���r art�r��f�u�t ttt�d�r t�n�in�tf�m���� �vid�r��ir�g�u�� ir��i�bt�dn���,
<br /> ar�ny r����ult�n��r�ny����ri��r�acur��r�ts f��'su�h in��k�#��ln���.
<br /> N� ���3fi������. Tru��or �h�ll r��t �r�ter i nt� �r�� ��re��-nent vtiritl� ��t� ��l�t�r �f �n�r m�rk����, �eed �f trustr �r
<br /> �tl��r ���urEt� ��r��m�nt whi�h ��� �ri�rity �v�r tf�i� ���d �� �r�,�t �y whi�l� tl�a�t ��r��m�r�t is m��ii'�i�d,
<br /> �rr��r�d��� ��������f �r r�nev��� wit��ut tF�� �rE�� writk�n cons�r�t �f L�rt��r. Tr��t�r shal[ nei�her r��u�st n�r
<br /> a����t���f��ur���fv�r���� un�e��r�����h se�urity�g r��rr���t vv itF����th�pr�o�r�rritt�r���r���nt�f L����r.
<br /> ��NaEIU�N�►`�I�N. TI��#�I��v�rin� pr�vi�ian� relatir�t��� ��t��emr��ti�r� �r�ce�din+������ ��rt�f this ����1�f"i"ru�t:
<br /> �ra����Iir���. lf a r��r �r������n� ir� ���d�m n�t[an is �i���ir Tr�r���r shal l �ram pt[� n��ify L�n��r i� �ri�ir��, �nd
<br /> Tr��t�r ����1 �r�rrti�tfy tafce �u�h st��� �� m�� 1�� r��c��s�r�r �a �ie�en�i th� ��ti�n �nd ��t�ir� �€�� �vwr�rd. �r�a�t�r
<br /> r���r}��th�n�m�n�l ��r�y in�u�h pr�����in�r f�ut��n�t�r�ha[���er��itl�d t� ��rtici�3t�an ti���r����dir�� and�o ��
<br /> r��r�sent�� in th� �r����d�n� k��r ���nse[ �f it� �v�rr� �l��i��� �t��[ T���t�r wif] d�liv�r ar c�us� t� b� d�[�v�r�� t�
<br /> L�r���r �u��n in�tr�m�nt� �n� ��curr���tati�r� �s m�y �� r�������d �� L�r,���r fram tim� t� tir�� �� ��rmit such
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