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and to maintenance of the Premises. As used in this paragraph, "Hazardous Substances" a tlfog JbOstances Vined as toxic or
<br />hazardous- substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic
<br />petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and
<br />radioactive materials. As used in this paragraph, "Environmental Law" means federal laws and laws of the jurisdiction where
<br />the Premises are located that relate to health, safety or environmental protection.
<br />(i) SALE OF PREMISES: We will not sell, transfer ownership of, mortgage or otherwise dispose of our interest in the
<br />Premises, in whole or in part, or permit any other lien or claim against the Premises without your prior written consent.
<br />0) INSPECTION: We will permit you to inspect the Premises at any reasonable time.
<br />NO LOSS OF RIGHTS: The Note and this Deed of Trust may be negotiated or assigned by you without releasing us or the
<br />Premises. You may add or release any person or property obligated under the Note and this Deed of Trust without losing your
<br />rights in the Premises.
<br />DEFAULT: Except as may be prohibited by applicable law, and subject to any advance notice and cure period if required by
<br />applicable law, if any event or condition described in Paragraph 11.A. of the Note occurs, you may foreclose upon this Deed of
<br />Trust as a mortgage by judicial proceeding or sell the Premises pursuant to the power of sale conferred in this Deed of Trust.
<br />This means that you may arrange for the Premises to be sold, as provided by law, in order to pay off what we owe on the Note
<br />and under this Deed of Trust. If the money you receive from the sale is not enough to pay off what we owe you, we will still
<br />owe you the difference which you may seek to collect from us in accordance with applicable law. In addition, you may, in
<br />accordance with applicable law, (i) enter on and take possession of the Premises; (ii) collect the rental payments, including
<br />over -due rental payments, directly from tenants; (iii) manage the Premises; and (iv) sign, cancel and change leases. We agree
<br />that the interest rate set forth in the Note will continue before and after a default, entry of a judgment and foreclosure. In
<br />addition, you shall be entitled to collect all reasonable fees and costs actually incurred by you in proceeding to foreclosure or
<br />trustee sale, including, but not limited to, reasonable attorneys fees and costs of documentary evidence, abstracts and title
<br />reports. If Beneficiary elects to sell our interest in the Premises by exercise of the power of sale herein contained, Beneficiary
<br />will notify Trustee in the manner then required by law. Upon receipt of such notice of Beneficiary and at the direction of
<br />Beneficiary, Trustee will cause to be recorded, published and delivered such notices of default and notices of sale as may then
<br />be required by law and by this Deed of Trust. Trustee will, only at the direction of Beneficiary and without demand on us,
<br />after such time as may then be required by law and after recordation of such notice of default and after notice of sale having
<br />been given as required by law, sell the Premises at the time and place of sale fixed by it in such notice of sale, either as a whole
<br />or in separate lots or parcels or items as Beneficiary deems expedient, and in such order as it may determine, at public auction
<br />to the highest bidder for cash in lawful money of the United States payable at the time of sale, or as otherwise may then be
<br />required by law. Trustee will deliver to such purchaser or purchasers thereof its good and sufficient deed or deeds conveying the
<br />property so sold, but without any covenant or warranty, express or implied. The recitals in such deed of any matters or facts
<br />shall be conclusive proof of the truthfulness thereof. Any person, including without limitation, us, Trustee or Beneficiary, may
<br />purchase at such sale. Trustee may in the manner provided by law postpone sale of all or any portion of the Premises. The
<br />Trustee shall apply the proceeds of the Trustee's sale, first, to the costs and expenses of exercising the power of sale and of the
<br />sale, including the payment of the Trustee's fees actually incurred not to exceed the amount which may be provided for in the
<br />Deed of Trust, second, to the payment of the obligation secured by the Deed of Trust, third, to the payment of junior deeds of
<br />trust, mortgages or other lienholders, and the balance, if any, to the person or persons legally entitled thereto.
<br />ASSIGNMENT OF RENTS; APPOINTMENT OF RECEIVER: As additional security, we assign to you the rents of the
<br />Premises. You or a receiver appointed by the courts shall be entitled to enter upon, take possession of and manage the Premises
<br />and collect the rents of the Premises including those past due.
<br />WAIVERS: To the extent permitted by applicable law, we waive and release any error or defects in proceedings to enforce this
<br />Deed of Trust and hereby waive the benefit of any present or future laws providing for stay of execution, extension of time,
<br />exemption from attachment, levy and sale and homestead exemption.
<br />BINDING EFFECT: Each of us shall be fully responsible for all of the promises and agreements in this Deed of Trust. Until
<br />the Note has been paid in full and your obligation to make further advances under the Note has been terminated, the provisions
<br />of this Deed of Trust will be binding on us, our legal representatives, our heirs and all future owners of the Premises. This
<br />Deed of Trust is for your benefit and for the benefit of anyone to whom you may assign it. Upon payment in full of all amounts
<br />owing to you under the Note and this Deed of Trust, and provided any obligation to make further advances under the Note has
<br />terminated, this Deed of Trust and your rights in the Premises shall end.
<br />NOTICE: Except for any notice required under applicable law to be given in another manner, (a) any notice to us provided for
<br />in this Deed of Trust shall be given by delivering it or by mailing such notice by regular first class mail addressed to us at the
<br />last address appearing in your records or at such other address as we may designate by notice to you as provided herein, and (b)
<br />any notice to you shall be given by certified mail, return receipt requested, to your address at PO BOX 85147,
<br />RICHMOND, VIRGINIA, 23276
<br />or to such other address as you may designate by notice to us. Any notice provided for in this Deed of Trust shall be deemed to
<br />have been given to us or you when given in the manner designated herein.
<br />REQUEST FOR NOTICE: We, for ourselves and for Beneficiary, hereby request a copy of any notice of default and a copy of
<br />any notice of sale hereunder be mailed to us and Beneficiary at the applicable addresses provided above.
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