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EXHIBIT "A" � <br /> 99 109007 <br /> "The Loan secured by this lien was made under a United States Small�Business <br /> Administration (SBA) nationwide program which uses tax dollars to assist small business <br /> owners. If the United States is seeking to enforce this document, then under SBA <br /> regulations: <br /> a) When SBA is the holder of the Note, this document and all documents evidencing <br /> or securing this Loan will be construed in accordance with federal law. <br /> b) Lender or SBA may use local or state procedures for purposes such as filing <br /> papers, recording documents, giving notice, foreclosing liens, and other purposes. <br /> By using these procedures, SBA does note waiver any federal immunity from � <br /> local or state control, penalty, tax or liability. No Borrower or Guarantor may <br /> claim or assert against SBA any local or state law to deny any obligation of <br /> Borrower, or defeat any claim of SBA with respect to this Loan. <br /> Any clause in this document requiring arbitration is not enforceable when SBA is the <br /> holder of the Note secured by this instrument." <br />