MODIFICATION OF DEED OF TRUST
<br />Loan No: 1768429265 (Continued)
<br />202003607
<br />Page 2
<br />The Deed of Trust is hereby modified by amending and restating in its entirety the legal description of the real
<br />property described in the Deed of Trust as set forth on Exhibit A, attached hereto and incorporated herein, which
<br />shall be deemed to be the legal description set forth in the Deed of Trust as if originally described therein..
<br />CONTINUING VALIDITY. Except as expressly modified above, the terms of the original Deed of Trust shall remain
<br />unchanged and in full force and effect. Consent by Lender to this Modification does not waive Lender's right to require
<br />strict performance of the Deed of Trust as changed above nor obligate Lender to make any future modifications.
<br />Nothing in this Modification shall constitute a satisfaction of the promissory note or other credit agreement secured by
<br />the Deed of Trust (the "Note"). It is the intention of Lender to retain as liable all parties to the Deed of Trust and all
<br />parties, makers and endorsers to the Note, including accommodation parties, unless a party is expressly released by
<br />Lender in writing. Any maker or endorser, including accommodation makers, shall not be released by virtue of this
<br />Modification. If any person who signed the original Deed of Trust does not sign this Modification, then all persons
<br />signing below acknowledge that this Modification is given conditionally, based on the representation to Lender that the
<br />non -signing person consents to the changes and provisions of this Modification or otherwise will not be released by it.
<br />This waiver applies not only to any initial extension or modification, but also to all such subsequent actions.
<br />FACSIMILE AND COUNTERPART. This document may be signed in any number of separate copies, each of which shall
<br />be effective as an original, but all of which taken together shall constitute a single document. An electronic
<br />transmission or other facsimile of this document or any related document shall be deemed an original and shall be
<br />admissible as evidence of the document and the signer's execution.
<br />DEED OF TRUST SUPPLEMENTAL PROVISIONS. The Deed of Trust is hereby amended and modified by adding the
<br />following Supplemental Provisions:
<br />SUPPLEMENTAL PROVISIONS CONCERNING INDEBTEDNESS, CROSS -COLLATERALIZATION, AND PERSONAL
<br />PROPERTY. The definition of "Indebtedness" in the Deed of Trust additionally includes, without limitation, all liability
<br />and obligations of Borrower, or any of them, arising under or in connection with any "swap agreement" (as defined in
<br />11 U.S.C. Section 101) at any time entered into with Lender in connection with the Note.
<br />Notwithstanding anything to the contrary in the Deed of Trust, any Cross -Collateralization provision contained therein
<br />shall have no force or effect.
<br />Additionally, notwithstanding anything to the contrary in the Deed of Trust, if at any time the Deed of Trust grants liens
<br />or security interests upon collateral consisting of a building or mobile home as defined in the National Flood Insurance
<br />Act (as amended) and its implementing regulations (collectively, the "Act") located in an area designated by the
<br />Administrator of the Federal Emergency Management Agency as a special flood hazard area which requires flood
<br />insurance pursuant to the terms of the Act (a "Covered Structure"), then while it is subject to such designation, the
<br />term "Personal Property" as used in the Deed of Trust shall not include any items of personal property located in such
<br />Covered Structure unless all applicable requirements of the Act, if any, have been satisfied with respect to such items
<br />of personal property.
<br />ARBITRATION AGREEMENT. Arbitration - Binding Arbitration. Lender and each party to this agreement hereby agree,
<br />upon demand by any party, to submit any Dispute to binding arbitration in accordance with the terms of this Arbitration
<br />Program. Arbitration may be demanded before the institution of a judicial proceeding, or during a judicial proceeding, but
<br />not more than 60 days after service of a complaint, third party complaint, cross-claim, or any answer thereto, or any
<br />amendment to any of such pleadings. A "Dispute" shall include any dispute, claim or controversy of any kind, whether
<br />in contract or in tort, legal or equitable, now existing or hereafter arising, relating in any way to any aspect of this
<br />agreement, or any related note, instrument or agreement incorporating this Arbitration Program (the "Documents"), or
<br />any renewal, extension, modification or refinancing of any indebtedness or obligation relating thereto, including without
<br />limitation, their negotiation, execution, collateralization, administration, repayment, modification, extension, substitution,
<br />formation, inducement, enforcement, default or termination, or any request for additional credit. This provision is a
<br />material inducement for the parties entering into the transactions relating to this Agreement. In the event of a court
<br />ordered arbitration, the party requesting arbitration shall be responsible for timely filing the demand for arbitration and
<br />paying the appropriate filing fee within 30 days of the abatement order or the time specified by the court; the party's
<br />failure to do so shall result in that party's right to demand arbitration being automatically terminated with respect to
<br />such Dispute. DISPUTES SUBMITTED TO ARBITRATION ARE NOT RESOLVED IN COURT BY A JUDGE OR JURY. TO
<br />THE EXTENT ALLOWED BY APPLICABLE LAW, THE PARTIES IRREVOCABLY AND VOLUNTARILY WAIVE ANY RIGHT
<br />THEY MAY HAVE TO A TRIAL BY JURY WITH RESPECT TO ANY DISPUTE ARBITRATED PURSUANT TO THIS
<br />ARBITRATION PROGRAM.
<br />A. Governing Rules. Any arbitration proceeding will (i) be govemed by the Federal Arbitration Act (Title 9 of the United
<br />States Code), notwithstanding any conflicting choice of law provision in any of the documents between the parties; and
<br />(ii) be conducted by the American Arbitration Association ("AAA"), or such other administrator as the parties shall
<br />mutually agree upon, in accordance with the AAA's commercial dispute resolution procedures, unless the claim or
<br />counterclaim is at least $1,000,000.00 exclusive of claimed interest, arbitration fees and costs, in which case the
<br />arbitration shall be conducted in accordance with the AAA's optional procedures for large, complex commercial
<br />disputes (the commercial dispute resolution procedures or the optional procedures for large, complex commercial
<br />disputes are referred to herein, as applicable, as the "Rules"). If there is any inconsistency between the terms hereof
<br />and the Rules, the terms and procedures set forth herein shall control. Arbitration proceedings hereunder shall be
<br />conducted at a location mutually agreeable to the parties, or if they cannot agree, then at a location selected by the
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