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200200699 <br />EXHIBIT "A" <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 <br />small business owners. If the United States is seeking to enforce this <br />document, then under SBA regulations: <br />a) When SBA is the holder of the Note,. this document and all documents <br />evidencing or securing this Loan will be construed in accordance with <br />federal law. <br />b) Lender or SBA may use local or state procedures for purposes such as <br />filing papers, recording documents, giving notice, foreclosing liens, <br />and other purposes. By using these procedures, SBA does not waive any <br />federal immunity from local or stave control, penalty, tax or liability. <br />No Borrower or Guarantor may claim or assert against SBA any local or <br />state law to deny any obligation of Borrower, or defeat any claim of SBA <br />with respect to this Loan. <br />Any clause in this document requiring arbitration is not enforceable when <br />SBA is the holder of the Note secured by this instrument." <br />e <br />