<SEC-DOCUMENT>0001104659-20-079065.txt : 20200630
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<ACCEPTANCE-DATETIME>20200630170040
ACCESSION NUMBER:		0001104659-20-079065
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		20
CONFORMED PERIOD OF REPORT:	20200626
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
ITEM INFORMATION:		Unregistered Sales of Equity Securities
ITEM INFORMATION:		Material Modifications to Rights of Security Holders
ITEM INFORMATION:		Other Events
FILED AS OF DATE:		20200630
DATE AS OF CHANGE:		20200630

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MFA FINANCIAL, INC.
		CENTRAL INDEX KEY:			0001055160
		STANDARD INDUSTRIAL CLASSIFICATION:	REAL ESTATE INVESTMENT TRUSTS [6798]
		IRS NUMBER:				133974868
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13991
		FILM NUMBER:		201002921

	BUSINESS ADDRESS:	
		STREET 1:		350 PARK AVENUE
		STREET 2:		20TH FL
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10022
		BUSINESS PHONE:		2122076400

	MAIL ADDRESS:	
		STREET 1:		350 PARK AVE
		STREET 2:		20TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10022

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MFA MORTGAGE INVESTMENTS
		DATE OF NAME CHANGE:	20020809

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	AMERICA FIRST MORTGAGE INVESTMENTS INC
		DATE OF NAME CHANGE:	19980211
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<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>UNITED STATES</b></p>

<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>SECURITIES AND EXCHANGE COMMISSION</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Washington, D.C. 20549</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&#160;</p>



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<p style="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>FORM <span id="xdx_90A_edei--DocumentType_c20200625__20200626_zWjvsFHSQYH2"><ix:nonNumeric contextRef="From2020-06-25to2020-06-26" name="dei:DocumentType">8-K</ix:nonNumeric></span></b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>



<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>CURRENT REPORT</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>&#160;</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Pursuant to Section&#160;13 OR 15(d)
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Date of Report (date of earliest event
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>(Exact name of registrant as specified
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>&#160;</b></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif">Registrant's
telephone number, including area code</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>&#160;</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Not Applicable</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Former name or former address, if changed
since last report.)</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Check the appropriate box below if the Form 8-K filing is intended
to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:&#160;</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p>



<p style="margin: 0">&#160;</p>

<p style="margin: 0"><span style="font-family: Times New Roman, Times, Serif">Securities registered pursuant to Section 12(b)
of the Act:</span></p>

<p style="margin: 0">&#160;</p>

<p style="margin: 0"></p>

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    of each class</b></span></td>
    <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt; text-align: center; width: 30%; padding-left: 5.4pt"><p style="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif"><b>Trading
                                         Symbol (s)</b></span></p>
        <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"></p></td>
    <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt; text-align: center; width: 30%; padding-left: 5.4pt"><p style="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif"><b>Name
                                         of each exchange on<br />
                                         which registered</b></span></p>
        <p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"></p></td></tr>

<tr style="font-size: 10pt">
    <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; text-align: left; font-size: 10pt; padding-left: 5.4pt"><span id="xdx_90F_edei--Security12bTitle_c20200625__20200626__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_z2mgCGz11Abg"><ix:nonNumeric contextRef="From2020-06-252020-06-26_us-gaap_CommonStockMember" name="dei:Security12bTitle">Common
    Stock, par value $0.01 per share</ix:nonNumeric></span></td>
    <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; text-align: center; font-size: 10pt; padding-left: 5.4pt"><span id="xdx_90D_edei--TradingSymbol_c20200625__20200626__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zfU3NpdVjUv5"><ix:nonNumeric contextRef="From2020-06-252020-06-26_us-gaap_CommonStockMember" name="dei:TradingSymbol">MFA</ix:nonNumeric></span></td>
    <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; text-align: center; font-size: 10pt; padding-left: 5.4pt"><span id="xdx_906_edei--SecurityExchangeName_c20200625__20200626__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zhgpvIl62z0k"><ix:nonNumeric contextRef="From2020-06-252020-06-26_us-gaap_CommonStockMember" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">New
    York Stock Exchange</ix:nonNumeric></span></td></tr>
<tr style="font-size: 10pt">
    <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt; text-align: left; vertical-align: top; padding-left: 5.4pt"><p style="font-size: 10pt; text-align: left; margin-top: 0pt; margin-bottom: 0pt"><span id="xdx_90A_edei--Security12bTitle_c20200625__20200626__us-gaap--StatementClassOfStockAxis__us-gaap--SeriesBPreferredStockMember_zM17ctDWNfv7"><ix:nonNumeric contextRef="From2020-06-252020-06-26_us-gaap_SeriesBPreferredStockMember" name="dei:Security12bTitle">7.50%
                                         Series B Cumulative Redeemable Preferred</ix:nonNumeric><br />
                                         Stock, par value $0.01 per share</span></p>
        <p style="font: 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-bottom: 0pt"></p></td>
    <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; text-align: center; font-size: 10pt; padding-left: 5.4pt"><span id="xdx_90B_edei--TradingSymbol_c20200625__20200626__us-gaap--StatementClassOfStockAxis__us-gaap--SeriesBPreferredStockMember_zZ12HXQfMpck"><ix:nonNumeric contextRef="From2020-06-252020-06-26_us-gaap_SeriesBPreferredStockMember" name="dei:TradingSymbol">MFA/PB</ix:nonNumeric></span></td>
    <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; text-align: center; font-size: 10pt; padding-left: 5.4pt"><span id="xdx_906_edei--SecurityExchangeName_c20200625__20200626__us-gaap--StatementClassOfStockAxis__us-gaap--SeriesBPreferredStockMember_zbgwZMEtJb53"><ix:nonNumeric contextRef="From2020-06-252020-06-26_us-gaap_SeriesBPreferredStockMember" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">New
    York Stock Exchange</ix:nonNumeric></span></td></tr>
<tr style="font-size: 10pt">
    <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; font-size: 10pt; text-align: left; vertical-align: top; padding-left: 5.4pt"><span id="xdx_90C_edei--Security12bTitle_c20200625__20200626__us-gaap--StatementClassOfStockAxis__us-gaap--SeriesCPreferredStockMember_zKpxZaGg6k5b"><ix:nonNumeric contextRef="From2020-06-252020-06-26_us-gaap_SeriesCPreferredStockMember" name="dei:Security12bTitle">6.50%
    Series C Cumulative Redeemable Preferred</ix:nonNumeric><br />
    Stock, par value $0.01 per share</span></td>
    <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; text-align: center; font-size: 10pt; padding-left: 5.4pt"><span id="xdx_909_edei--TradingSymbol_c20200625__20200626__us-gaap--StatementClassOfStockAxis__us-gaap--SeriesCPreferredStockMember_zysvUwhAZzTg"><ix:nonNumeric contextRef="From2020-06-252020-06-26_us-gaap_SeriesCPreferredStockMember" name="dei:TradingSymbol">MFA/PC</ix:nonNumeric></span></td>
    <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; text-align: center; font-size: 10pt; padding-left: 5.4pt"><span id="xdx_90D_edei--SecurityExchangeName_c20200625__20200626__us-gaap--StatementClassOfStockAxis__us-gaap--SeriesCPreferredStockMember_zmfxuYdP30w3"><ix:nonNumeric contextRef="From2020-06-252020-06-26_us-gaap_SeriesCPreferredStockMember" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">New
    York Stock Exchange</ix:nonNumeric></span></td></tr>
<tr style="font-size: 10pt">
    <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; text-align: left; font-size: 10pt; padding-left: 5.4pt"><span id="xdx_90D_edei--Security12bTitle_c20200625__20200626__us-gaap--StatementClassOfStockAxis__custom--SeniorNotesDue2042Member_zQVPvPdX4dLk"><ix:nonNumeric contextRef="From2020-06-252020-06-26_custom_SeniorNotesDue2042Member" name="dei:Security12bTitle">8.00%
    Senior Notes due 2042</ix:nonNumeric></span></td>
    <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; text-align: center; font-size: 10pt; padding-left: 5.4pt"><span id="xdx_908_edei--TradingSymbol_c20200625__20200626__us-gaap--StatementClassOfStockAxis__custom--SeniorNotesDue2042Member_zAXczL7CiNCl"><ix:nonNumeric contextRef="From2020-06-252020-06-26_custom_SeniorNotesDue2042Member" name="dei:TradingSymbol">MFO</ix:nonNumeric></span></td>
    <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; text-align: center; font-size: 10pt; padding-left: 5.4pt"><span id="xdx_907_edei--SecurityExchangeName_c20200625__20200626__us-gaap--StatementClassOfStockAxis__custom--SeniorNotesDue2042Member_zjg3R0Tq3Xnh"><ix:nonNumeric contextRef="From2020-06-252020-06-26_custom_SeniorNotesDue2042Member" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">New
    York Stock Exchange</ix:nonNumeric></span></td></tr>
</table>
<p style="margin: 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Indicate by check mark whether the registrant is an emerging
growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities
Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif">Emerging
growth company&#160;</span><span id="xdx_903_edei--EntityEmergingGrowthCompany_c20200625__20200626_zlq2H5dduDDf" style="font-family: Wingdings"><ix:nonNumeric contextRef="From2020-06-25to2020-06-26" format="ixt:booleanfalse" name="dei:EntityEmergingGrowthCompany">&#168;</ix:nonNumeric></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">If
an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for
complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. </span><span style="font-family: Wingdings">&#168;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font: 10pt Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>


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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>Item 1.01. Entry into a Material Definitive Agreement.</b></p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><i>The Warrants</i></b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0.5in"><span style="font: 10pt Times New Roman, Times, Serif">On
June 26, 2020 (the &#8220;<b>Closing Date</b>&#8221;), MFA Financial, Inc. (the &#8220;<b>Company</b>&#8221;) completed the previously
announced issuance of warrants (&#8220;<b>Warrants</b>&#8221;) to purchase, in the aggregate, 37,039,106 shares (subject to adjustment
in accordance with their terms) of the common stock, par value $0.01 per share, of the Company (the &#8220;<b>Common Stock</b>&#8221;),
p</span>ursuant to the terms of the Investment Agreement, dated June 15, 2020 (the &#8220;<b>Investment Agreement</b>&#8221;),
by and among the Company, Omaha Equity Aggregator, L.P. (the &#8220;<b>Apollo Purchaser</b>&#8221;) and Athene USA Corporation
(the &#8220;<b>Athene USA Purchaser</b>&#8221; and together with the Apollo Purchaser, the &#8220;<b>Purchasers</b>&#8221; and
each a &#8220;<b>Purchaser</b>&#8221;).</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0.5in">The Warrants to be issued
pursuant to the Investment Agreement were allocated among and issued at the Closing Date to the Purchasers and their affiliates
as follows:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0.75in"></td><td style="width: 0.25in"><span style="font: 10pt Symbol">&#183;</span></td><td style="vertical-align: middle; text-align: left">Warrants
                                         to purchase 11,111,732 shares of Common Stock were issued to the Apollo Purchaser at
                                         an initial exercise price of $1.66 (<span style="background-color: white">the closing
                                         price of the Common Stock on May 22, 2020 (the last closing price per share immediately
                                         preceding execution of the term sheet between the Company and Apollo Management Holdings
                                         L.P. relating to, among other matters, the transactions described in this Form 8-K))</span>,
                                         subject to adjustment, and for 11,111,732 shares of Common Stock at an initial exercise
                                         price of $2.08 (<span style="background-color: white">125% of the closing price per share
                                         of the Common Stock on May 22, 2020)</span>, subject to adjustment.</td></tr>
<tr style="vertical-align: top">
<td style="width: 0.75in"></td><td style="width: 0.25in"><span style="font: 10pt Symbol">&#183;</span></td><td style="text-align: left">Warrants
                                         to purchase 1,481,564 shares of Common Stock were issued to Athene Annuity &#38; Life
                                         Assurance Company (&#8220;<b>Athene Annuity and Life Assurance Assignee</b>&#8221;) at
                                         an initial exercise price of $1.66, subject to adjustment, and for 1,481,564 shares of
                                         Common Stock at an initial exercise price of $2.08, subject to adjustment.</td></tr>
<tr style="vertical-align: top">
<td style="width: 0.75in"></td><td style="width: 0.25in"><span style="font: 10pt Symbol">&#183;</span></td><td style="text-align: left">Warrants
                                         to purchase 5,926,257 shares of Common Stock were issued to Athene Annuity &#38; Life
                                         Company (&#8220;<b>Athene Annuity and Life Assignee</b>&#8221; and together with Athene
                                         Annuity and Life Assurance Assignee, the &#8220;<b>Assignees</b>&#8221;) at an initial
                                         exercise price of $1.66, subject to adjustment, and for 5,926,257 shares of Common Stock
                                         at an initial exercise price of $2.08, subject to adjustment.</td></tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><i>Registration Rights Agreement </i></b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0.5in"><span style="font: 10pt Times New Roman, Times, Serif">Pursuant
to the Investment Agreement, on the Closing Date, the Company, the Purchasers and the Assignees entered into a registration
rights agreement (the &#8220;<b>Registration Rights Agreement</b>&#8221;), pursuant to which the Purchasers and the Assignees
are entitled to customary registration rights with respect to the shares of Common Stock the Purchasers or their affiliates
have agreed to purchase in open market or privately negotiated transactions pursuant to the terms of the Investment Agreement </span>and
shares of Common Stock for which the Warrants may be exercised. <span style="background-color: white">Under the terms of the
Registration Rights Agreement, the Company is required to prepare and file a resale registration statement with the
Securities and Exchange Commission within 90 calendar days following the Closing Date with respect to the Registrable
Securities (as defined in the Registration Rights Agreement). The Purchasers and their transferees are entitled to customary
underwritten offering, piggyback and demand registration rights with respect to the Registrable Securities. </span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><span style="font: 10pt Times New Roman, Times, Serif; background-color: white">The
descriptions of the Warrants and Registration Rights Agreement do not purport to be complete and are qualified in their entirety
by reference to the forms of the Warrants and Registration Rights Agreement filed herewith as exhibits to this Current Report
on Form&#160;</span>8-K<span style="background-color: white">&#160;and incorporated herein by reference.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b><i>Reinstatement Agreement</i></b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In connection with the closing of the transactions
discussed above, as well as certain financing transactions previously reported by the Company, on June 26, 2020, the Company and
certain counterparties (the &#8220;<b>Participating Counterparties</b>&#8221;) holding a significant majority of its outstanding
repurchase obligations entered into a reinstatement agreement (the &#8220;<b>Reinstatement Agreement</b>&#8221;), pursuant to
which the Company and the Participating Counterparties agreed to terminate the Third Forbearance Agreement (as defined in the
Current Report on Form 8-K filed by the Company with the SEC on June 3, 2020), and each Participating Counterparty agreed to permanently
waive existing and prior events of default identified therein under its repurchase agreements (&#8220;<b>Repo Agreements</b>&#8221;)
with the Company and to reinstate each Repo Agreement (with certain modifications, as discussed below). (The Company entered into
a separate agreement with a non-Participating Counterparty pursuant to which the Company&#8217;s outstanding repurchase obligations
with such counterparty were fully satisfied and the repurchase agreement with such counterparty was terminated). Pursuant to the
Reinstatement Agreement and termination of the Third Forbearance Agreement, the Company exited forbearance with its Repo Agreement
counterparties.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">As a result of entering into the Reinstatement Agreement, default
interest on the Company&#8217;s outstanding borrowings under each Repo Agreement ceased to accrue as of June 26, 2020, and as
of such date, the interest rate under each applicable Repo Agreement reverted to the non-default rate of interest or pricing rate,
as set forth therein, all cash margin will be applied to outstanding balances owed by the Company, and principal and interest
payments on the underlying collateral will be permitted to flow to and be used by the Company, in substantively and substantially
the same manner as was in place prior to the Company&#8217;s entering forbearance. In addition, pursuant to the terms of the Reinstatement
Agreement, (i) the security interests granted to Participating Counterparties as additional collateral during the forbearance
term were terminated and released; and (ii) the Repo Agreements are now subject to a set of overriding terms, including set-off
and cross-default provisions.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>Item 2.03. Creation of a Direct Financial Obligation
or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.</b></p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The information set
forth in Item 1.01 of this Current Report on Form 8-K is incorporated by reference into this Item 2.03.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><i>Credit Agreement </i></b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0.5in"><span style="font: 10pt Times New Roman, Times, Serif">On
the Closing Date, the Company and MFResidential Assets Holding Corp., a wholly-owned subsidiary of the Company (the &#8220;<b>Borrower</b>&#8221;),
closed on the funding of a previously announced $500 million senior secured term loan facility with the lenders party thereto
and Wilmington Trust, National Association, as administrative agent and collateral agent (the &#8220;<b>Term Loan Facility</b>&#8221;)
(the principal terms of which were summarized in the Current Report on Form 8-K filed by the Company with the SEC on June 16,
2020 (the &#8220;<b>June 16th 8-K</b>&#8221;)). </span>Proceeds from the Term Loan Facility (a) were used to repay a portion of
the outstanding repurchase agreement financing obligations of the Company&#8217;s subsidiaries, and (b) are expected to be used
to (i) pay accumulated but unpaid dividends in respect of the Company&#8217;s outstanding 7.50% Series B Cumulative Redeemable
Preferred Stock and 6.50% Series C Fixed-to-Floating Rate Cumulative Redeemable Preferred Stock, (ii) provide the Borrower with
working capital and (iii) pay the fees and expenses related to the transactions contemplated thereby. The maturity date for the
term loans is the sixth anniversary of the Closing Date.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0.5in">The description of the
Credit Agreement does not purport to be complete and is qualified in its entirety by reference to the form of the Credit Agreement
filed herewith as an exhibit to this Current Report on Form 8-K and the description of the principal terms of the Credit Agreement
set forth in the June 16th 8-K, each of which is incorporated herein by reference.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#160;</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>Item 3.02. Unregistered Sales of Equity Securities.</b></p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The information set forth in Item 1.01
of this Current Report on Form 8-K is incorporated by reference into this Item 3.02. The issuances of the Warrants pursuant to
the Investment Agreement are exempt from registration under the Securities Act 1933, as amended, and the rules and regulations
promulgated thereunder (the &#8220;<b>Securities Act</b>&#8221;), by virtue of the exemption provided by Section 4(a)(2) the Securities
Act.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#160;</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>Item 3.03. Material Modification to Rights of Security
Holders.</b></p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The information set forth in Item 1.01
of this Current Report on Form 8-K is incorporated by reference into this Item 3.03.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#160;</p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>Item 8.01. Other Events.</b></p>

<p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><span style="font: 10pt Times New Roman, Times, Serif">On </span>June
29, 2020, the Company issued a press release (the &#8220;<b>Press Release</b>&#8221;) announcing the closing and funding of
the Transactions and exit from forbearance, which is attached hereto as Exhibit 99.1 and is incorporated herein by
reference.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><b>&#160;</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>Cautionary Note Regarding Forward Looking Statements</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">As discussed therein, each of this Form
8-K and the Press Release contains forward-looking statements within the meaning of the Securities Act and the Exchange Act and,
as such, may involve known and unknown risks, uncertainties and assumptions. These forward-looking statements relate to MFA&#8217;s
current expectations and are subject to the limitations and qualifications set forth in this Form 8-K and the Press Release as
well as in the Company&#8217;s other documents filed with the SEC, including, without limitation, that actual events and/or results
may differ materially from those projected in such forward-looking statements.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><span style="font: 10pt Times New Roman, Times, Serif">These
forward-looking statements include information about possible or assumed future results with respect to MFA&#8217;s business,
financial condition, liquidity, results of operations, plans and objectives.&#160;Statements regarding the following subjects,
among others, may be forward-looking: the Company&#8217;s ability to accurately estimate information related to its operations
and financial condition subsequent to the end of the first quarter (particularly in light of the highly volatile and uncertain
market conditions); the Company&#8217;s ability to accurately estimate information related to its operations and financial condition
as of June 26, 2020, including its cash balances and debt to equity ratio;</span> and payments of future dividends, including
accumulated but unpaid dividends on the Company&#8217;s Series B Preferred Stock and Series C Preferred Stock. These and other
risks, uncertainties and factors, including those described in the annual, quarterly and current reports that MFA files with the
SEC, could cause MFA&#8217;s actual results to differ materially from those projected in any forward-looking statements it makes.&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">These forward-looking statements are based
on beliefs, assumptions and expectations of MFA&#8217;s future performance, taking into account information currently available.
Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date on which
they are made. New risks and uncertainties arise over time and it is not possible to predict those events or how they may affect
MFA. Except as required by law, MFA is not obligated to, and does not intend to, update or revise any forward-looking statements,
whether as a result of new information, future events or otherwise.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <td style="padding: 2.9pt 5.75pt; width: 13%"><span style="font: 10pt Times New Roman, Times, Serif"><b><span style="text-decoration: underline">Exhibit
    No.</span></b></span></td>
    <td style="padding: 2.9pt 5.75pt; width: 2%"><span style="font: 10pt Times New Roman, Times, Serif"><b>&#160;</b></span></td>
    <td style="padding: 2.9pt 5.75pt; width: 85%"><span style="font: 10pt Times New Roman, Times, Serif"><b><span style="text-decoration: underline">Description</span></b></span></td></tr>
<tr style="vertical-align: top">
    <td style="padding: 2.9pt 5.75pt"><a href="tm2023506d1_ex10-1.htm" style="-sec-extract: exhibit"><span style="font: 10pt Times New Roman, Times, Serif">10.1*</span></a></td>
    <td style="padding: 2.9pt 5.75pt"><span style="font: 10pt Times New Roman, Times, Serif"><b>&#160;</b></span></td>
    <td style="padding: 2.9pt 5.75pt"><a href="tm2023506d1_ex10-1.htm" style="-sec-extract: exhibit"><span style="font: 10pt Times New Roman, Times, Serif">Credit Agreement,
    dated June 15, 2020, among MFResidential Assets Holding Corp., the Company</span>, the lenders party thereto and Wilmington
    Trust, National Association, as administrative agent and collateral agent.</a></td></tr>
<tr style="vertical-align: top">
    <td style="padding: 2.9pt 5.75pt"><a href="tm2023506d1_ex10-2.htm" style="-sec-extract: exhibit"><span style="font: 10pt Times New Roman, Times, Serif">10.2*</span></a></td>
    <td style="padding: 2.9pt 5.75pt"><span style="font: 10pt Times New Roman, Times, Serif">&#160;</span></td>
    <td style="padding: 2.9pt 5.75pt"><a href="tm2023506d1_ex10-2.htm" style="-sec-extract: exhibit"><span style="font: 10pt Times New Roman, Times, Serif">Investment Agreement,
    dated </span>June 15, 2020, by and between the Company and the Purchasers.&#160;&#160;</a></td></tr>
<tr style="vertical-align: top">
    <td style="padding: 2.9pt 5.75pt"><a href="tm2023506d1_ex10-3.htm" style="-sec-extract: exhibit"><span style="font: 10pt Times New Roman, Times, Serif">10.3 </span></a></td>
    <td style="padding: 2.9pt 5.75pt">&#160;</td>
    <td style="padding: 2.9pt 5.75pt"><a href="tm2023506d1_ex10-3.htm" style="-sec-extract: exhibit"><span style="font: 10pt Times New Roman, Times, Serif">Registration Rights
    Agreement, dated </span>June 26, 2020, by and among the Company, the Purchasers and the Assignees.</a></td></tr>
<tr style="vertical-align: top">
    <td style="padding: 2.9pt 5.75pt"><a href="tm2023506d1_ex10-4.htm" style="-sec-extract: exhibit"><span style="font: 10pt Times New Roman, Times, Serif">10.4</span></a></td>
    <td style="padding: 2.9pt 5.75pt">&#160;</td>
    <td style="padding: 2.9pt 5.75pt"><a href="tm2023506d1_ex10-4.htm" style="-sec-extract: exhibit"><span style="font: 10pt Times New Roman, Times, Serif">Form of Warrant,
    dated </span>June 26, 2020.</a></td></tr>
<tr style="vertical-align: top">
    <td style="padding: 2.9pt 5.75pt"><a href="tm2023506d1_ex10-5.htm" style="-sec-extract: exhibit"><span style="font: 10pt Times New Roman, Times, Serif">10.5*</span></a></td>
    <td style="padding: 2.9pt 5.75pt">&#160;</td>
    <td style="padding: 2.9pt 5.75pt"><a href="tm2023506d1_ex10-5.htm" style="-sec-extract: exhibit"><span style="font: 10pt Times New Roman, Times, Serif">Reinstatement
    Agreement, dated as of June 26, 2020, by and among the Company and the several Participating Counterparties thereto.</span></a></td></tr>
<tr style="vertical-align: top">
    <td style="padding: 2.9pt 5.75pt"><a href="tm2023506d1_ex99-1.htm" style="-sec-extract: exhibit"><span style="font: 10pt Times New Roman, Times, Serif">99.1</span></a></td>
    <td style="padding: 2.9pt 5.75pt">&#160;</td>
    <td style="padding: 2.9pt 5.75pt"><a href="tm2023506d1_ex99-1.htm" style="-sec-extract: exhibit"><span style="font: 10pt Times New Roman, Times, Serif">Press release,
    dated July 29, 2020, of MFA Financial, Inc.</span></a></td></tr>
<tr style="vertical-align: top">
    <td style="padding: 2.9pt 5.75pt"><span style="font: 10pt Times New Roman, Times, Serif">104</span></td>
    <td style="padding: 2.9pt 5.75pt"><span style="font: 10pt Times New Roman, Times, Serif">&#160;</span></td>
    <td style="padding: 2.9pt 5.75pt"><span style="font: 10pt Times New Roman, Times, Serif">Cover Page Interactive
    Data File (embedded within the Inline XBRL document).</span></td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="background-color: white">*Certain
schedules and similar attachments have been omitted in reliance on Instruction 4 of Item 1.01 of Form&#160;8-K and Item 601(a)(5)&#160;of
Regulation S-K. The Company will provide, on a supplemental basis, a copy of any omitted schedule or attachment to the Securities
and Exchange Commission or its staff upon request.</span></p>




<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-weight: normal">SIGNATURES</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Pursuant to the requirements of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Date: June 30, 2020</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif">&#160;</td>
    <td colspan="3" style="font: 10pt Times New Roman, Times, Serif">MFA FINANCIAL, INC.</td></tr>
<tr style="vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif">&#160;</td>
    <td colspan="3" style="font: 10pt Times New Roman, Times, Serif">&#160;</td></tr>
<tr style="vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif">&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif">By:</td>
    <td colspan="2" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"> /s/ Harold E. Schwartz</td></tr>
<tr style="vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif; width: 50%">&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 3%">&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 5%">Name:</td>
    <td style="font: 10pt Times New Roman, Times, Serif; width: 42%"> Harold E. Schwartz</td></tr>
<tr style="vertical-align: bottom">
    <td style="font: 10pt Times New Roman, Times, Serif">&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif">&#160;</td>
    <td style="font: 10pt Times New Roman, Times, Serif">Title:</td>
    <td style="font: 10pt Times New Roman, Times, Serif"> Senior Vice President and General Counsel</td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

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<DESCRIPTION>EXHIBIT 10.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 10.1</B><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><I>EXECUTION VERSION</I></P>

<P STYLE="border-bottom: Black 2pt double; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><I>&nbsp;</I></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">CREDIT AGREEMENT</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">dated as of June 15, 2020</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">among</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">MFRESIDENTIAL ASSETS HOLDING CORP.,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">as Borrower,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">MFA FINANCIAL, INC.,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">as Parent,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">THE LENDERS PARTY HERETO</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">WILMINGTON TRUST, NATIONAL ASSOCIATION,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">as Administrative Agent and Collateral Agent</P>

<P STYLE="border-bottom: Black 2pt double; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>




<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">TABLE OF CONTENTS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"></P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right"><B>Page</B></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="text-align: left">ARTICLE 1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Definitions</TD>
    <TD STYLE="text-align: right">1</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left; width: 16%">Section 1.01</TD>
    <TD STYLE="text-align: left; width: 74%">Defined Terms</TD>
    <TD STYLE="text-align: right; width: 10%">1</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 1.02</TD>
    <TD STYLE="text-align: left">Terms Generally</TD>
    <TD STYLE="text-align: right">27</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 1.03&nbsp;</TD>
    <TD STYLE="text-align: left">Designated Senior Indebtedness</TD>
    <TD STYLE="text-align: right">28</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="text-align: left">ARTICLE 2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;THE CREDITS</TD>
    <TD STYLE="text-align: right">28</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 2.01</TD>
    <TD STYLE="text-align: left">Commitments</TD>
    <TD STYLE="text-align: right">28</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 2.02&nbsp;</TD>
    <TD STYLE="text-align: left">Several Obligations</TD>
    <TD STYLE="text-align: right">29</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 2.03&nbsp;</TD>
    <TD STYLE="text-align: left">Borrowing Mechanics</TD>
    <TD STYLE="text-align: right">29</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 2.04&nbsp;</TD>
    <TD STYLE="text-align: left">Evidence of Debt; Repayment of Loans</TD>
    <TD STYLE="text-align: right">29</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 2.05&nbsp;</TD>
    <TD STYLE="text-align: left">Fees</TD>
    <TD STYLE="text-align: right">30</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 2.06&nbsp;</TD>
    <TD STYLE="text-align: left">Interest on Loans</TD>
    <TD STYLE="text-align: right">31</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 2.07</TD>
    <TD STYLE="text-align: left">Default Interest</TD>
    <TD STYLE="text-align: right">31</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 2.08</TD>
    <TD STYLE="text-align: left">Election of PIK Interest</TD>
    <TD STYLE="text-align: right">31</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 2.09&nbsp;</TD>
    <TD STYLE="text-align: left">Repayment of Term Borrowings</TD>
    <TD STYLE="text-align: right">31</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 2.10&nbsp;</TD>
    <TD STYLE="text-align: left">Voluntary Prepayment</TD>
    <TD STYLE="text-align: right">32</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 2.11&nbsp;</TD>
    <TD STYLE="text-align: left">Mandatory Prepayments</TD>
    <TD STYLE="text-align: right">33</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 2.12</TD>
    <TD STYLE="text-align: left">Offer to Repurchase Upon Change of Control</TD>
    <TD STYLE="text-align: right">34</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 2.13</TD>
    <TD STYLE="text-align: left">Reserve Requirements; Change in Circumstances</TD>
    <TD STYLE="text-align: right">35</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 2.14</TD>
    <TD STYLE="text-align: left">Pro Rata Treatment</TD>
    <TD STYLE="text-align: right">36</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 2.15</TD>
    <TD STYLE="text-align: left">Sharing of Setoffs</TD>
    <TD STYLE="text-align: right">36</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 2.16</TD>
    <TD STYLE="text-align: left">Payments</TD>
    <TD STYLE="text-align: right">37</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 2.17</TD>
    <TD STYLE="text-align: left">Taxes</TD>
    <TD STYLE="text-align: right">37</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 2.18</TD>
    <TD STYLE="text-align: left">Duty to Mitigate; Assignment of Commitments Under Certain Circumstances</TD>
    <TD STYLE="text-align: right">41</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 2.19</TD>
    <TD STYLE="text-align: left">Defaulting Lenders</TD>
    <TD STYLE="text-align: right">42</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 2.20</TD>
    <TD STYLE="text-align: left">Protective Advances</TD>
    <TD STYLE="text-align: right">42</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="text-align: left">ARTICLE 3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;REPRESENTATIONS AND WARRANTIES</TD>
    <TD STYLE="text-align: right">43</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.01</TD>
    <TD STYLE="text-align: left">Company Status</TD>
    <TD STYLE="text-align: right">43</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.02</TD>
    <TD STYLE="text-align: left">Power and Authority</TD>
    <TD STYLE="text-align: right">43</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.03</TD>
    <TD STYLE="text-align: left">No Violation</TD>
    <TD STYLE="text-align: right">43</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.04&nbsp;</TD>
    <TD STYLE="text-align: left">Approvals</TD>
    <TD STYLE="text-align: right">44</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.05</TD>
    <TD STYLE="text-align: left">Financial Statements; Financial Condition</TD>
    <TD STYLE="text-align: right">44</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.06&nbsp;</TD>
    <TD STYLE="text-align: left">Litigation</TD>
    <TD STYLE="text-align: right">45</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.07</TD>
    <TD STYLE="text-align: left">True and Complete Disclosure</TD>
    <TD STYLE="text-align: right">45</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.08&nbsp;</TD>
    <TD STYLE="text-align: left">Use of Proceeds; Margin Regulations</TD>
    <TD STYLE="text-align: right">45</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.09</TD>
    <TD STYLE="text-align: left">Tax Matters</TD>
    <TD STYLE="text-align: right">46</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.10</TD>
    <TD STYLE="text-align: left">Compliance with ERISA</TD>
    <TD STYLE="text-align: right">46</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.11</TD>
    <TD STYLE="text-align: left">Security Documents</TD>
    <TD STYLE="text-align: right">46</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.12</TD>
    <TD STYLE="text-align: left">[Reserved]</TD>
    <TD STYLE="text-align: right">46</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.13</TD>
    <TD STYLE="text-align: left">Capitalization</TD>
    <TD STYLE="text-align: right">46</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left; width: 16%">Section 3.14&nbsp;</TD>
    <TD STYLE="text-align: left; width: 74%">Subsidiaries</TD>
    <TD STYLE="text-align: right; width: 10%">47</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.15</TD>
    <TD STYLE="text-align: left">Compliance with Statutes, Etc.</TD>
    <TD STYLE="text-align: right">47</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.16</TD>
    <TD STYLE="text-align: left">Investment Company Act</TD>
    <TD STYLE="text-align: right">47</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.17</TD>
    <TD STYLE="text-align: left">Insurance</TD>
    <TD STYLE="text-align: right">47</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.18&nbsp;</TD>
    <TD STYLE="text-align: left">Environmental Matters</TD>
    <TD STYLE="text-align: right">47</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.19</TD>
    <TD STYLE="text-align: left">Employment and Labor Relations</TD>
    <TD STYLE="text-align: right">48</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.20</TD>
    <TD STYLE="text-align: left">Intellectual Property, Etc.</TD>
    <TD STYLE="text-align: right">48</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.21</TD>
    <TD STYLE="text-align: left">[Reserved]</TD>
    <TD STYLE="text-align: right">49</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.22</TD>
    <TD STYLE="text-align: left">Anti-Terrorism Law</TD>
    <TD STYLE="text-align: right">49</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.23</TD>
    <TD STYLE="text-align: left">Foreign Corrupt Practices Act</TD>
    <TD STYLE="text-align: right">49</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 3.24</TD>
    <TD STYLE="text-align: left">Third Forbearance Agreement</TD>
    <TD STYLE="text-align: right">50</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="text-align: left">ARTICLE 4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CONDITIONS OF LENDING</TD>
    <TD STYLE="text-align: right">50</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 4.01</TD>
    <TD STYLE="text-align: left">Conditions Precedent to the Effectiveness of this Agreement</TD>
    <TD STYLE="text-align: right">50</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 4.02</TD>
    <TD STYLE="text-align: left">Conditions to the Funding of the Loan</TD>
    <TD STYLE="text-align: right">52</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="text-align: left">ARTICLE 5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;AFFIRMATIVE COVENANTS</TD>
    <TD STYLE="text-align: right">55</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 5.01</TD>
    <TD STYLE="text-align: left">Information Covenants</TD>
    <TD STYLE="text-align: right">55</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 5.02</TD>
    <TD STYLE="text-align: left">Books, Records and Inspections</TD>
    <TD STYLE="text-align: right">57</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 5.03</TD>
    <TD STYLE="text-align: left">Maintenance of Property; Insurance</TD>
    <TD STYLE="text-align: right">58</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 5.04</TD>
    <TD STYLE="text-align: left">Existence; Franchises</TD>
    <TD STYLE="text-align: right">58</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 5.05</TD>
    <TD STYLE="text-align: left">Compliance with Statutes, Etc.</TD>
    <TD STYLE="text-align: right">59</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 5.06</TD>
    <TD STYLE="text-align: left">Compliance with Environmental Laws</TD>
    <TD STYLE="text-align: right">59</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 5.07</TD>
    <TD STYLE="text-align: left">ERISA</TD>
    <TD STYLE="text-align: right">59</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 5.08</TD>
    <TD STYLE="text-align: left">End of Fiscal Years; Fiscal Quarters</TD>
    <TD STYLE="text-align: right">60</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 5.09</TD>
    <TD STYLE="text-align: left">Conference Calls</TD>
    <TD STYLE="text-align: right">60</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 5.10</TD>
    <TD STYLE="text-align: left">Tax Matters</TD>
    <TD STYLE="text-align: right">60</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 5.11</TD>
    <TD STYLE="text-align: left">Use of Proceeds</TD>
    <TD STYLE="text-align: right">61</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 5.12</TD>
    <TD STYLE="text-align: left">Additional Security; Further Assurances; Etc.</TD>
    <TD STYLE="text-align: right">61</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 5.13</TD>
    <TD STYLE="text-align: left">Sanctions; Anti-Corruption Laws</TD>
    <TD STYLE="text-align: right">62</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 5.14</TD>
    <TD STYLE="text-align: left">Closing of the Transactions</TD>
    <TD STYLE="text-align: right">62</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 5.15</TD>
    <TD STYLE="text-align: left">Post-Closing</TD>
    <TD STYLE="text-align: right">62</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="text-align: left">ARTICLE 6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;NEGATIVE COVENANTS</TD>
    <TD STYLE="text-align: right">62</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 6.01</TD>
    <TD STYLE="text-align: left">Liens</TD>
    <TD STYLE="text-align: right">62</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 6.02</TD>
    <TD STYLE="text-align: left">Consolidation, Merger, Sale of Assets, Etc.</TD>
    <TD STYLE="text-align: right">64</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 6.03</TD>
    <TD STYLE="text-align: left">Restricted Payments</TD>
    <TD STYLE="text-align: right">67</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 6.04</TD>
    <TD STYLE="text-align: left">Indebtedness</TD>
    <TD STYLE="text-align: right">68</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 6.05</TD>
    <TD STYLE="text-align: left">Advances, Investments and Loans</TD>
    <TD STYLE="text-align: right">70</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 6.06</TD>
    <TD STYLE="text-align: left">Transactions with Affiliates</TD>
    <TD STYLE="text-align: right">72</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 6.07</TD>
    <TD STYLE="text-align: left">Modifications of Certain Agreements</TD>
    <TD STYLE="text-align: right">72</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 6.08</TD>
    <TD STYLE="text-align: left">Limitation on Certain Restrictions on Subsidiaries</TD>
    <TD STYLE="text-align: right">72</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 6.09</TD>
    <TD STYLE="text-align: left">Limitation on Issuance of Equity Interests</TD>
    <TD STYLE="text-align: right">73</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 6.10</TD>
    <TD STYLE="text-align: left">Business; Etc.</TD>
    <TD STYLE="text-align: right">73</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 6.11</TD>
    <TD STYLE="text-align: left">Limitation on Creation of Subsidiaries</TD>
    <TD STYLE="text-align: right">73</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 6.12</TD>
    <TD STYLE="text-align: left">Prepayments of Other Indebtedness</TD>
    <TD STYLE="text-align: right">73</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 6.13</TD>
    <TD STYLE="text-align: left">Anti-Layering</TD>
    <TD STYLE="text-align: right">74</TD></TR>
</TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left; width: 16%">Section 6.14</TD>
    <TD STYLE="text-align: left; width: 74%">Permitted Activities of Parent and the Borrower</TD>
    <TD STYLE="text-align: right; width: 10%">74</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 6.15</TD>
    <TD STYLE="text-align: left">Minimum Liquidity</TD>
    <TD STYLE="text-align: right">74</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="text-align: left">ARTICLE 7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;EVENTS OF DEFAULT</TD>
    <TD STYLE="text-align: right">75</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 7.01</TD>
    <TD STYLE="text-align: left">Events of Default</TD>
    <TD STYLE="text-align: right">75</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 7.02</TD>
    <TD STYLE="text-align: left">Application of Payment</TD>
    <TD STYLE="text-align: right">78</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="text-align: left">ARTICLE 8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;THE ADMINISTRATIVE AGENT AND THE COLLATERAL AGENT</TD>
    <TD STYLE="text-align: right">79</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="text-align: left">ARTICLE 9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;MISCELLANEOUS</TD>
    <TD STYLE="text-align: right">83</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 9.01</TD>
    <TD STYLE="text-align: left">Notices; Electronic Communications</TD>
    <TD STYLE="text-align: right">83</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 9.02</TD>
    <TD STYLE="text-align: left">Survival of Agreement</TD>
    <TD STYLE="text-align: right">87</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 9.03</TD>
    <TD STYLE="text-align: left">Binding Effect</TD>
    <TD STYLE="text-align: right">88</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 9.04</TD>
    <TD STYLE="text-align: left">Successors and Assigns</TD>
    <TD STYLE="text-align: right">88</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 9.05</TD>
    <TD STYLE="text-align: left">Expenses; Indemnity</TD>
    <TD STYLE="text-align: right">93</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 9.06</TD>
    <TD STYLE="text-align: left">Right of Setoff</TD>
    <TD STYLE="text-align: right">95</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 9.07</TD>
    <TD STYLE="text-align: left">Applicable Law</TD>
    <TD STYLE="text-align: right">96</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 9.08</TD>
    <TD STYLE="text-align: left">Waivers; Amendment</TD>
    <TD STYLE="text-align: right">96</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 9.09</TD>
    <TD STYLE="text-align: left">Interest Rate Limitation</TD>
    <TD STYLE="text-align: right">97</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 9.10</TD>
    <TD STYLE="text-align: left">Entire Agreement</TD>
    <TD STYLE="text-align: right">97</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 9.11</TD>
    <TD STYLE="text-align: left">WAIVER OF JURY TRIAL</TD>
    <TD STYLE="text-align: right">97</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 9.12</TD>
    <TD STYLE="text-align: left">Severability</TD>
    <TD STYLE="text-align: right">98</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 9.13</TD>
    <TD STYLE="text-align: left">Counterparts</TD>
    <TD STYLE="text-align: right">98</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 9.14</TD>
    <TD STYLE="text-align: left">Headings</TD>
    <TD STYLE="text-align: right">98</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 9.15</TD>
    <TD STYLE="text-align: left">Jurisdiction; Consent to Service of Process</TD>
    <TD STYLE="text-align: right">98</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 9.16</TD>
    <TD STYLE="text-align: left">Confidentiality</TD>
    <TD STYLE="text-align: right">99</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 9.17</TD>
    <TD STYLE="text-align: left">Lender Action</TD>
    <TD STYLE="text-align: right">100</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 9.18</TD>
    <TD STYLE="text-align: left">USA PATRIOT Act Notice</TD>
    <TD STYLE="text-align: right">100</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 9.19</TD>
    <TD STYLE="text-align: left">Acknowledgement and Consent to Bail-In of Affected Financial Institutions</TD>
    <TD STYLE="text-align: right">100</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 9.20</TD>
    <TD STYLE="text-align: left">WAIVER</TD>
    <TD STYLE="text-align: right">101</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-left: 0.5in; text-align: left">Section 9.21</TD>
    <TD STYLE="text-align: left">Specific Performance</TD>
    <TD STYLE="text-align: right">101</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 20%; font: 10pt Times New Roman, Times, Serif">SCHEDULE 1.01</TD>
    <TD STYLE="width: 80%; font: 10pt Times New Roman, Times, Serif; text-align: left">Subsidiary Guarantors</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">SCHEDULE 2.01</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Commitments</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">SCHEDULE 3.05</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Financial Statements; Financial Condition</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">SCHEDULE 3.06</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Litigation</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">SCHEDULE 3.09</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Certain Tax Matters</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">SCHEDULE 3.14</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Subsidiaries</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">SCHEDULE 3.17</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Insurance</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">SCHEDULE 6.01</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Liens</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">SCHEDULE 6.05</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Investments</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">EXHIBIT A</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Form of Administrative Questionnaire</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">EXHIBIT B</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Form of Assignment and Acceptance</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; width: 20%">EXHIBIT C</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; width: 80%">Form of Borrowing Request</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">EXHIBIT D</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Form of Compliance Certificate</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">EXHIBIT E</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Form of Guaranty</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">EXHIBIT F</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[Reserved]</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">EXHIBIT G</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Form of Intercompany Subordination Agreement</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">EXHIBIT H</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">[Reserved]</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">EXHIBIT I</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Form of Payment Election Notice</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">EXHIBIT J</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Form of Pledge Agreement</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">EXHIBIT K</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Form of Solvency Certificate</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">EXHIBIT L</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Form of Waiver</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">EXHIBIT M</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Repo Indebtedness Purchase Letter</TD></TR>
</TABLE>





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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">CREDIT AGREEMENT dated
as of June 15, 2020 (the &ldquo;<B>Effective Date</B>&rdquo;), among MFRESIDENTIAL ASSETS HOLDING CORP. (the &ldquo;<B>Borrower</B>&rdquo;),
MFA FINANCIAL, INC. (&ldquo;<B>Parent</B>&rdquo;), the Lenders (such term and each other capitalized terms used but not defined
in this introductory statement and the Recitals having the meaning given it in <U>Article 1</U>), and WILMINGTON TRUST, NATIONAL
ASSOCIATION, as administrative agent (in such capacity, including any successor thereto, the &ldquo;<B>Administrative Agent</B>&rdquo;)
and as collateral agent (in such capacity, including any successor thereto, the &ldquo;<B>Collateral Agent</B>&rdquo;) for the
Lenders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>RECITALS</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, the Borrower
has requested that the Lenders establish a senior secured term loan credit facility in an aggregate initial stated principal amount
of $500,000,000.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Lenders are willing
to extend such credit to the Borrower on the terms and subject to the conditions set forth herein. Accordingly, the parties hereto
agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">ARTICLE
1<BR>
Definitions</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 1.01<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Defined Terms</I>. As used in this Agreement, the following terms shall have the following meanings:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>2042 Notes</B>&rdquo;
shall mean Parent&rsquo;s 8.00%&nbsp;Senior Notes due 2042 issued pursuant to a base indenture as supplemented by a first supplemental
indenture thereto, each dated as of April 11, 2012, between Parent and Wilmington Trust, National Association, as trustee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Additional
Pledge Documents</B>&rdquo; shall have the meaning assigned to such term in <U>Section&nbsp;5.12</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Administrative
Agent</B>&rdquo; shall have the meaning assigned to such term in the introductory statement to this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Administrative
Questionnaire</B>&rdquo; shall mean an Administrative Questionnaire substantially in the form of <U>Exhibit A</U>, or such other
form as may be supplied from time to time by the Administrative Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Affected
Financial Institution</B>&rdquo; shall mean (a) any EEA Financial Institution or (b) any UK Financial Institution.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Affiliate</B>&rdquo;
shall mean, with respect to any Person, any other Person directly or indirectly controlling (including all directors and officers
of such Person), controlled by, or under direct or indirect common control with, such Person. A Person shall be deemed to control
another Person if such Person possesses, directly or indirectly, the power (i) to vote 20% or more of the securities having ordinary
voting power for the election of directors (or equivalent governing body) of such Person or (ii) to direct or cause the direction
of the management and policies of such other Person, whether through the ownership of voting securities, by contract or otherwise.
No Agent, Lender or other Secured Creditors shall be deemed an &ldquo;Affiliate&rdquo; of the Credit Parties or their Subsidiaries
for purposes of <U>Section&nbsp;6.06</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Agent Fee
Letter</B>&rdquo; means the agent fee letter dated as of the Effective Date between the Borrower and Wilmington Trust, National
Association.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Agents</B>&rdquo;
shall have the meaning assigned to such term in <U>Article 8</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Agreement</B>&rdquo;
shall mean this Credit Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Anti-Corruption
Laws</B>&rdquo; shall have the meaning assigned to such term in <U>Section&nbsp;3.23(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Anti-Money
Laundering Laws</B>&rdquo; means the applicable anti-money laundering statutes or jurisdictions where any of the Credit Parties
conducts business and the rules and regulations thereunder, issued, administered or enforced by any Governmental Authority, including
without limitation the USA PATRIOT Act and the Bank Secrecy Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Applicable
Rate</B>&rdquo; shall mean, as of any time, a rate per annum equal to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>at all times on and after the Closing Date and prior to the third anniversary of the Closing Date, 11.00%,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>at any time on and after the third anniversary of the Closing Date and prior to the fourth anniversary of the Closing Date,
12.00%,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>at any time on or after the fourth anniversary of the Closing Date and prior to the fifth anniversary of the Closing Date,
13.00% and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>for any time on or after the fifth anniversary of the Closing Date, 14.00%.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Asset Level
Borrower</B>&rdquo; means, collectively, the borrower or borrowers under the Asset Level Term Loan, each of which must (a) be a
direct Wholly Owned Subsidiary of the Borrower or a Subsidiary Guarantor (unless any such Asset Level Borrower (x) is Wholly Owned
by another Asset Level Borrower, (y) is a REO Subsidiary and the equity of such REO Subsidiary is required to be pledged to secure
the Asset Level Term Loan, or (z) is a Repo Subsidiary) and (b) have 100% of its Equity Interests pledged as Pledged Collateral
under the Pledge Agreement (unless any such Asset Level Borrower is (x) Wholly Owned by another Asset Level Borrower and 100% of
such owning Asset Level Borrower&rsquo;s Equity Interests are pledged as Pledged Collateral under the Pledge Agreement, (y) is
a REO Subsidiary and the equity of such REO Subsidiary is required to be pledged to secure the Asset Level Term Loan or (z) is
a Repo Subsidiary).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Asset Level
Term Loan</B>&rdquo; shall mean the term loan financing facility to the Asset Level Borrower in an initial aggregate principal
amount of up to $1.65 billion in the aggregate on the terms, and subject solely to the conditions, set forth in the Asset Level
Term Loan Commitment Letter and otherwise on terms reasonably acceptable to the Administrative Agent (or the Required Lenders).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Asset Level
Term Loan Commitment Letter</B>&rdquo; shall mean the commitment letter agreement, dated June 15, 2020, from Barclays Bank PLC
and AUSA in favor of Parent, as in effect on the Effective Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Assignment
and Acceptance</B>&rdquo; shall mean an assignment and acceptance entered into by a Lender and an Eligible Assignee, and accepted
by the Administrative Agent, substantially in the form of <U>Exhibit B</U> or such other form as shall be approved by the Administrative
Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>AUSA</B>&rdquo;
shall mean Athene USA Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Authorized
Officer</B>&rdquo; shall mean the chief executive officer, president, any vice-president, chairman, vice chairman, secretary, any
assistant secretary, treasurer, any assistant treasurer, chief operating officer or chief financial officer of the Borrower.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Bail-In Action</B>&rdquo;
shall mean the exercise of any Write-Down and Conversion Powers by the applicable Resolution Authority in respect of any liability
of an Affected Financial Institution.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Bail-In Legislation</B>&rdquo;
shall mean, (a) with respect to any EEA Member Country implementing Article 55 of Directive 2014/59/EU of the European Parliament
and of the Council of the European Union, the implementing law, regulation rule or requirement for such EEA Member Country from
time to time which is described in the EU Bail-In Legislation Schedule. and (b) with respect to the United Kingdom, Part I of the
United Kingdom Banking Act 2009 (as amended from time to time) and any other law, regulation or rule applicable in the United Kingdom
relating to the resolution of unsound or failing banks, investment firms or other financial institutions or their affiliates (other
than through liquidation, administration or other insolvency proceedings).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Bankruptcy
Code</B>&rdquo; shall mean Title 11 of the United States Code entitled &ldquo;Bankruptcy,&rdquo; as now or hereafter in effect,
or any successor thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Borrower</B>&rdquo;
shall have the meaning assigned to such term in the introductory statement to this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Borrower
Materials</B>&rdquo; shall have the meaning assigned to such term in <U>Section&nbsp;9.01</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Borrowing
Request</B>&rdquo; shall mean a request by the Borrower for the advance of the Loans pursuant to <U>Section 2.01</U> in accordance
with <U>Section&nbsp;2.03</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Business
Day</B>&rdquo; shall mean any day other than a Saturday, Sunday, any other day on which banks in New York City are authorized or
required by law to close or any other day on which either the New York Stock Exchange or the Federal Reserve Bank of New York is
closed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Capital Expenditures</B>&rdquo;
shall mean, subject to <U>Section 1.02</U>, with respect to any Person, all expenditures (without duplication) by such Person which
should be capitalized in accordance with GAAP and, without duplication, the amount of Capitalized Lease Obligations incurred by
such Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Capitalized
Lease Obligations</B>&rdquo; shall mean, subject to <U>Section 1.02</U>, with respect to any Person, all rental obligations of
such Person which, under GAAP, are required to be capitalized on the books of such Person, in each case taken at the amount thereof
accounted for as indebtedness in accordance with such principles.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Cash Equivalents</B>&rdquo;
shall mean, as to any Person, (a) securities issued or directly and fully guaranteed or insured by the United States or any agency
or instrumentality thereof (<I>provided</I> that the full faith and credit of the United States is pledged in support thereof)
having maturities of not more than one (1) year from the date of acquisition, (b) marketable direct obligations issued by any
state of the United States or any political subdivision of any such state or any public instrumentality thereof maturing within
one (1) year from the date of acquisition thereof and, at the time of acquisition, having one (1) of the two (2) highest ratings
obtainable from either S&amp;P or Moody&rsquo;s, (c) Dollar denominated time deposits, certificates of deposit and bankers acceptances
of any Lender or any commercial bank having, or which is the principal banking subsidiary of a bank holding company having, a
combined capital and surplus of at least $1,000,000,000 with maturities of not more than one (1) year from the date of acquisition
by such Person, (d) repurchase obligations with a term of not more than thirty (30) days for underlying securities of the types
described in <U>clause (a)</U> above entered into with any bank meeting the qualifications specified in <U>clause (c)</U> above,
(e) commercial paper issued by any Person incorporated in the United States, and at the time of acquisition, rated at least A-1
or the equivalent thereof by S&amp;P or at least P-1 or the equivalent thereof by Moody&rsquo;s and in each case maturing not
more than one (1) year after the date of acquisition by such Person, and (f) investments in money market funds substantially all
of whose assets are comprised of securities of the types described in <U>clauses</U>&nbsp;<U>(a)</U> through <U>(e)</U> above.
To the extent that, upon the maturity of any instrument referred to in this definition, such instrument would no longer constitute
a &ldquo;Cash Equivalent&rdquo; due to a change in ratings of the issuer of such instrument, such instrument shall no longer constitute
a Cash Equivalent except to the extent reinvested in an instrument that would otherwise qualify as a Cash Equivalent at such time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Cash Interest</B>&rdquo;
shall have the meaning assigned to such term in <U>Section&nbsp;2.06</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>CERCLA</B>&rdquo;
shall mean the Comprehensive Environmental Response, Compensation, and Liability Act of 1980, as the same has been amended and
may hereafter be amended from time to time, 42 U.S.C. &sect; 9601 <I>et seq</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Certificated
Securities</B>&rdquo; shall have the meaning assigned to such term in the Pledge Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Change in
Law</B>&rdquo; shall mean (a) the adoption of any law, rule or regulation after the Closing Date, (b) any change in any law, rule
or regulation or in the interpretation or application thereof by any Governmental Authority or the NAIC after the Closing Date
or (c) compliance by any Lender (or, for purposes of <U>Section&nbsp;2.13</U>, by any lending office of such Lender or by such
Lender&rsquo;s holding company, if any) with any request, guideline or directive (whether or not having the force of law) of any
Governmental Authority made or issued after the Closing Date; <I>provided</I> that notwithstanding anything herein to the contrary,
(x) the Dodd-Frank Wall Street Reform and Consumer Protection Act and all requests, rules, guidelines or directives thereunder
or issued in connection therewith and (y) all requests, rules, guidelines or directives promulgated by the Bank for International
Settlements, the Basel Committee on Banking Supervision (or any successor or similar authority) or United States or foreign regulatory
authorities, in each case pursuant to Basel III, shall in each case be deemed to be a &ldquo;Change in Law&rdquo;, regardless of
the date enacted, adopted or issued, except to the extent any items in <U>clauses (x) </U>or <U>(y)</U> are in effect as of the
Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Change of
Control</B>&rdquo; shall mean the occurrence of any of the following or the entering into of any agreement to consummate any of
the following: (a) any &ldquo;person&rdquo; or &ldquo;group&rdquo; (as such terms are used in Sections 13(d) and 14(d) of the Exchange
Act as in effect on the Closing Date) shall have obtained the power (whether or not exercised) to elect a majority of the board
of directors (or equivalent governing body) of Parent, (b) any &ldquo;person&rdquo; or &ldquo;group&rdquo; (as such terms are used
in Sections 13(d) and 14(d) of the Exchange Act as in effect on the Closing Date) is or shall become the &ldquo;beneficial owner&rdquo;
(as defined in Rules 13(d)-3 and 13(d)-5 under the Exchange Act as in effect on the Closing Date), directly or indirectly, of 40%
or more on a fully diluted basis of the voting interests or economic interests in Parent&rsquo;s Equity Interests, (c) within any
twelve (12) month period, the board of directors (or equivalent governing body) of Parent shall cease to consist of a majority
of Continuing Directors, (d) a &ldquo;change of control&rdquo; or similar event howsoever defined shall occur as provided in the
Existing Preferred Stock (or any refinancing, renewal or replacement thereof) or any Indebtedness of Parent or any Subsidiary with
an aggregate principal amount of at least $50,000,000 (or the documentation governing the same) and such &ldquo;change of control&rdquo;
or similar event shall not be waived in writing by the holders of such Existing Preferred Stock or Indebtedness, (e) Parent shall
cease to directly own Equity Interests representing 100% the issued and outstanding Equity Interests of the Borrower, (f) Parent,
Borrower, any Subsidiary or any direct or indirect parent of the foregoing shall enter into an agreement for the management of
any assets (other than customary maintenance, administration and servicing, rental and similar contracts with respect to REO Assets
and Residential Mortgage Loans) of Parent or any of its Subsidiaries other than any agreement entered with Parent, the Borrower
or any Wholly Owned Subsidiary of the Borrower, or (g) Parent and its Subsidiaries shall sell, lease or otherwise dispose of all
or substantially all of the assets of Parent, Borrower and the Subsidiaries, taken as a whole (including the issuance of Equity
Interests of any Subsidiary of Parent (other than an issuance to the Borrower or any Wholly Owned Subsidiary of the Borrower)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Change of
Control Offer</B>&rdquo; shall have the meaning assigned to such term in <U>Section&nbsp;2.12(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Change of
Control Payment</B>&rdquo; shall have the meaning assigned to such term in <U>Section&nbsp;2.12(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Change of
Control Payment Date</B>&rdquo; shall have the meaning assigned to such term in <U>Section&nbsp;2.12(a)(ii)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Charges</B>&rdquo;
shall have the meaning assigned to such term in <U>Section&nbsp;9.09</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Charter</B>&rdquo;
shall mean the Amended and Restated Articles of Incorporation (except as otherwise expressly provided herein as it may be amended,
amended and restated or otherwise modified from time to time) of Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Claims</B>&rdquo;
shall have the meaning assigned to such term in the definition of &ldquo;Environmental Claims&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Closing Date</B>&rdquo;
shall mean the date on which the conditions specified in <U>Section&nbsp;4.01</U> and <U>4.02</U> are satisfied (or waived in accordance
with <U>Section&nbsp;9.08</U>) and the funding of the Loans to be made pursuant to <U>Section 2.01 </U>hereunder has occurred.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Closing Date
Subsidiary Guarantors</B>&rdquo; shall have the meaning assigned to such term in the definition of &ldquo;Subsidiary Guarantors&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Closing Date
Warrants</B>&rdquo; shall mean those certain warrants for up to 7.5% of the outstanding Common Stock of Parent issued by Parent
pursuant to and as defined in the Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Code</B>&rdquo;
shall mean the Internal Revenue Code of 1986.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Collateral</B>&rdquo;
shall mean all property (whether real or personal) with respect to which any security interests or liens have been granted (or
purported to be granted) pursuant to any Security Document, including all Pledge Agreement Collateral.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Collateral
Agent</B>&rdquo; shall have the meaning assigned to such term in the introductory statement to this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Commitment</B>&rdquo;
means, with respect to each Lender, the commitment of such Lender to make Loans pursuant to <U>Section 2.01</U> on the Closing
Date, as such commitment may be (a) reduced or terminated from time to time and (b) reduced or increased from time to time pursuant
to assignments by or to such Lender pursuant to <U>Section&nbsp;9.04</U>. The initial amount of each Lender&rsquo;s Commitment
is set forth on <U>Schedule 2.01</U>, or in the Assignment and Acceptance or other documentation contemplated hereby pursuant to
which such Lender shall have assumed its Commitment, as applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Commitment
Termination Date</B>&rdquo; shall have the meaning assigned to <U>Section&nbsp;4.02</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Communications</B>&rdquo;
shall have the meaning assigned to such term in <U>Section&nbsp;9.01</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Company</B>&rdquo;
shall mean any corporation, limited liability company, partnership or other business entity (or the adjectival form thereof, where
appropriate).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Connection
Taxes</B>&rdquo; shall mean, with respect to the Administrative Agent, the Collateral Agent or any Lender, Taxes imposed as a result
of a present or former connection between such Administrative Agent, Collateral Agent or Lender and the jurisdiction imposing such
Tax (other than connections arising from such Administrative Agent, Collateral Agent or Lender having executed, delivered, become
a party to, performed its obligations under, received payments under, received or perfected a security interest under, engaged
in any other transaction pursuant to, or enforced, any Credit Document, or sold or assigned an interest in any Loan or Credit Document).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Contingent
Obligation</B>&rdquo; shall mean, as to any Person, any obligation of such Person as a result of such Person being a general partner
of any other Person, unless the underlying obligation is expressly made non-recourse as to such general partner, and any obligation
of such Person guaranteeing, having the economic effect of guaranteeing or intended to guarantee any Indebtedness, leases, dividends
or other obligations (&ldquo;<B>primary obligations</B>&rdquo;) of any other Person (the &ldquo;<B>primary obligor</B>&rdquo;)
in any manner, whether directly or indirectly, including any obligation of such Person, whether or not contingent, (a) to purchase
any such primary obligation or any property constituting direct or indirect security therefor, (b) to advance or supply funds (x)
for the purchase or payment of any such primary obligation or any property constituting direct or indirect security therefor or
(y) to maintain working capital or equity capital of the primary obligor or otherwise to maintain the net worth, solvency or other
financial statement condition of the primary obligor, (c) to purchase or lease property, securities or services primarily for the
purpose of assuring the owner of any such primary obligation of the ability of the primary obligor to make payment of such primary
obligation or (d) otherwise to assure or hold harmless the holder of such primary obligation against loss in respect thereof; <I>provided</I>
that the term Contingent Obligation shall not include (i) endorsements of instruments for deposit or collection in the ordinary
course of business, (ii) Repurchase Obligations or (iii) any customary carve-out or &ldquo;bad-boy&rdquo; matters for which such
Person acts as a guarantor or indemnitor, such as fraud, misappropriation, breach of representation and warranty and misapplication,
unless and until, in the case of the foregoing <U>subclauses (ii)</U> and <U>(iii)</U>, a claim for payment or performance has
been made in respect thereof (which has not been satisfied). The amount of any Contingent Obligation shall be deemed to be an amount
equal to the stated or determinable amount of the primary obligation in respect of which such Contingent Obligation is made or,
if not stated or determinable, the maximum reasonably anticipated liability in respect thereof (assuming such Person is required
to perform thereunder) as determined by such Person in good faith.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Continuing
Directors</B>&rdquo; shall mean, with respect to any Person, the directors (or equivalent governing body) of such Person on the
Closing Date and each other director (or equivalent Person) if such director&rsquo;s (or equivalent Person&rsquo;s) nomination
for election to the board of directors (or equivalent governing body) of such Person is recommended or approved, or such director
was nominated or otherwise approved, by a majority of the then Continuing Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Convertible
Debt Security</B>&rdquo; means debt securities of the Parent (including the Convertible Senior Notes) (i) issued pursuant to a
transaction registered with the SEC, or exempt therefrom in reliance on Rule 144A, the terms of which provide for conversion into,
or exchange for, common stock (other than Disqualified Equity Interests) of the Parent and cash in lieu of fractional shares of
such common stock and (ii) any Permitted Refinancing of a Convertible Debt Security described in the immediately preceding clause
(i).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Convertible
Senior Notes</B>&rdquo; shall mean Parent&rsquo;s 6.25% Convertible Senior Notes due 2024 issued pursuant to a base indenture as
supplemented by a supplemental indenture thereto, each dated as of June 3, 2019, between Parent and Wilmington Trust, National
Association, as trustee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Credit Documents</B>&rdquo;
shall mean this Agreement, the Guaranty, the Pledge Agreement, the Intercompany Subordination Agreement, the Agent Fee Letter and,
after the execution and delivery thereof pursuant to the terms of this Agreement, each Note and each other Security Document.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Credit Party</B>&rdquo;
shall mean each of Parent, the Borrower and each Subsidiary Guarantor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Debt to Value
Ratio</B>&rdquo; shall mean, as of any date of determination, the ratio of Total Indebtedness of the Borrower and the Subsidiaries
to the Total Assets of the Borrower and the Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Debtor Relief
Laws</B>&rdquo; shall mean the Bankruptcy Code, and all other liquidation, conservatorship, bankruptcy, assignment for the benefit
of creditors, moratorium, rearrangement, receivership, insolvency, reorganization, or similar debtor relief laws of the United
States or other applicable jurisdictions from time to time in effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Default</B>&rdquo;
shall mean any event, act or condition which with notice or lapse of time, or both, would constitute an Event of Default.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Defaulting
Lender</B>&rdquo; shall mean, subject to <U>Section&nbsp;2.19(b)</U>, any Lender that (a) has failed to (i) fund all or any portion
of its Loans within two (2) Business Days of the date such Loans were required to be funded hereunder or (ii) pay to the Administrative
Agent or any other Lender any other amount required to be paid by it hereunder within two (2) Business Days of the date when due,
(b) has notified the Borrower or the Administrative Agent in writing that it does not intend to comply with its funding obligations
hereunder, or has made a public statement to that effect, (c) has failed, within three (3) Business Days after written request
by the Administrative Agent or the Borrower, to confirm in writing to the Administrative Agent and the Borrower that it will comply
with its prospective funding obligations hereunder (<I>provided</I> that such Lender shall cease to be a Defaulting Lender pursuant
to this <U>clause (c)</U> upon receipt of such written confirmation by the Administrative Agent and the Borrower), or (d) has,
or has a direct or indirect the parent company that has, (i) become the subject of a proceeding under any Debtor Relief Law or,
(ii) had appointed for it a receiver, custodian, conservator, trustee, administrator, assignee for the benefit of creditors or
similar Person charged with reorganization or liquidation of its business or assets, including the Federal Deposit Insurance Corporation
or any other state or federal regulatory authority acting in such a capacity, or (iii) become the subject of a Bail-In Action;
<I>provided</I> that a Lender shall not be a Defaulting Lender solely by virtue of the ownership or acquisition of any equity
interest in that Lender or any direct or indirect the parent company thereof by a Governmental Authority so long as such ownership
interest does not result in or provide such Lender with immunity from the jurisdiction of courts within the United States or from
the enforcement of judgments or writs of attachment on its assets or permit such Lender (or such Governmental Authority) to reject,
repudiate, disavow or disaffirm any contracts or agreements made with such Lender. Any determination by the Administrative Agent
that a Lender is a Defaulting Lender under <U>clauses</U>&nbsp;<U>(a)</U> through <U>(d)</U> above shall be conclusive and binding
absent manifest error, and such Lender shall be deemed to be a Defaulting Lender (subject to <U>Section&nbsp;2.19(b)</U>) upon
delivery of written notice of such determination to the Borrower and each Lender.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Disqualified
Equity Interests</B>&rdquo; shall mean any Equity Interests (other than any Existing Preferred Stock) of any Person so long as
the terms of any such Equity Interests (or the terms of any security into which it is convertible or for which it is exchangeable)
(a) contains any maturity, mandatory put, redemption, repayment, sinking fund or other similar provision (except as a result of
a change of control or asset sale or casualty or condemnation event) so long as any rights of the holders thereof upon the occurrence
of a change of control or asset sale shall be subject to the prior repayment in full of the Loans and all other Obligations (other
than contingent indemnification obligations and other contingent obligations that are not then due and payable) that are accrued
and payable and the termination or expiration of the Commitments, (b) requires the payment of cash dividends or distributions that
would otherwise be prohibited by the terms of this Agreement or (c) provides that such Equity Interests are or will become convertible
into or exchangeable for Indebtedness or any other Equity Interests (other than Qualified Equity Interests), in each case of (a),
(b) and (c) before the date that is ninety-one (91) days after the Maturity Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Disqualified
Lender&rdquo; </B>shall mean any competitor of Parent or its Subsidiaries that is a U.S. residential mortgage REIT with shares
traded on a national securities exchange (other than Parent or any successor entity thereof) and any Affiliate of such Person that
is clearly identifiable solely on the basis of similarity of their names or that has been specified in writing to the Administrative
Agent by the Borrower from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Dividend</B>&rdquo;
shall have the meaning assigned to such term in the definition of &ldquo;Restricted Payment&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Dollars</B>&rdquo;
and the sign &ldquo;<B>$</B>&rdquo; shall each mean freely transferable lawful money of the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Domestic
Subsidiary</B>&rdquo; of any Person shall mean any Subsidiary of such Person incorporated or organized in the United States or
any State thereof or the District of Columbia.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Economic
Book Value</B>&rdquo; shall mean<B>, </B>as publicly reported by Parent in its financial results for each fiscal quarter, the consolidated
total stockholders&rsquo; equity of Parent as determined in accordance with GAAP <U>less</U> the aggregate liquidation preference
of any outstanding Preferred Equity of Parent <U>less </U>the difference (which may be a positive or negative number) between the
(i) the aggregate value of Residential Mortgage Loans recorded at carrying value on the consolidated balance sheet of Parent (the
 &ldquo;<U>Carrying Value Mortgage Loans</U>&rdquo;) and (ii) the aggregate fair value of the Carrying Value Mortgage Loans.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>EEA Financial
Institution</B>&rdquo; shall mean (a) any credit institution or investment firm established in any EEA Member Country which is
subject to the supervision of an EEA Resolution Authority, (b) any entity established in an EEA Member Country which is a parent
of an institution described in <U>clause (a)</U> of this definition, or (c) any financial institution established in an EEA Member
Country which is a subsidiary of an institution described in <U>clauses</U>&nbsp;<U>(a)</U> or <U>(b)</U> of this definition and
is subject to consolidated supervision with its parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>EEA Member
Country</B>&rdquo; shall mean any of the member states of the European Union, Iceland, Liechtenstein, and Norway.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>EEA Resolution
Authority</B>&rdquo; shall mean any public administrative authority or any Person entrusted with public administrative authority
of any EEA Member Country (including any delegee) having responsibility for the resolution of any EEA Financial Institution.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Effective
Date</B>&rdquo; shall have the meaning assigned to such term in the introductory statement to this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Eligible
Assignee</B>&rdquo; shall mean (a) a Lender, (b) an Affiliate of a Lender, (c) a Related Fund of a Lender and (d) any other Person
(other than a natural person) approved by the Administrative Agent; and, unless an Event of Default has occurred and is continuing,
the Borrower (each such approval not to be unreasonably withheld or delayed and, in the case of the Borrower, any such approval
shall be deemed to have been given at the time the Borrower&rsquo;s consent is deemed to be given pursuant to <U>Section 9.04(b)</U>);
<I>provided</I> that notwithstanding the foregoing, &ldquo;Eligible Assignee&rdquo; shall not include (x) Parent or any of Parent&rsquo;s
Subsidiaries or Affiliates, (y)&nbsp;any Defaulting Lender or any of its Subsidiaries, or any Person who, upon becoming a Lender
hereunder, would constitute any of the foregoing Persons described in this <U>clause</U>&nbsp;<U>(y)</U> or <U>(z)</U>&nbsp;any
Disqualified Lender.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Environmental
Claims</B>&rdquo; shall mean any and all administrative, regulatory or judicial actions, suits, demands, demand letters, orders,
claims, liens, notices of actual or potential noncompliance, violation or liability, investigations or proceedings arising under
any Environmental Law or any permit issued, or any approval given, under any such Environmental Law (hereafter, &ldquo;<B>Claims</B>&rdquo;),
including (a) any and all Claims by Governmental Authorities for enforcement, cleanup, removal, response, remedial or other actions
or damages pursuant to any applicable Environmental Law, and (b) any and all Claims by any third party seeking damages, contribution,
indemnification, cost recovery, compensation or injunctive relief in connection with alleged injury or threat of injury to health,
safety or the environment due to the presence of, or exposure to, Hazardous Materials.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Environmental
Law</B>&rdquo; shall mean any federal, state, foreign or local statute, law, rule, regulation, ordinance, code and rule of common
law now or hereafter in effect and in each case as amended, including any judicial or administrative order, consent decree or judgment,
relating to the environment, natural resources, human health and safety (as such matters relate to exposure to Hazardous Materials)
or Hazardous Materials, including CERCLA; the Resource Conservation and Recovery Act, 42 U.S.C. &sect; 6901 <I>et seq</I>.; the
Federal Water Pollution Control Act, 33 U.S.C. &sect; 1251 <I>et seq</I>.; the Toxic Substances Control Act, 15 U.S.C. &sect; 2601
<I>et seq</I>.; the Clean Air Act, 42 U.S.C. &sect; 7401 <I>et seq</I>.; the Safe Drinking Water Act, 42 U.S.C. &sect; 300f <I>et
seq</I>.; the Oil Pollution Act of 1990, 33 U.S.C. &sect; 2701 <I>et seq</I>.; the Emergency Planning and the Community Right-to-Know
Act of 1986, 42 U.S.C. &sect; 11001 <I>et seq</I>.; the Hazardous Material Transportation Act, 49 U.S.C. &sect; 5101 <I>et seq</I>.;
the Occupational Safety and Health Act, 29 U.S.C. &sect; 651 <I>et seq</I>.; and any state and local or foreign counterparts or
equivalents, in each case as amended from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Equity
Interests</B>&rdquo; of any Person shall mean any and all shares, interests, rights to purchase, warrants, options,
participation or other equivalents of or interest in (however designated) equity of such Person, including any common stock,
preferred stock, any limited or general partnership interest and any limited liability company membership interest; <I>provided</I>
that, other than for purposes of <U>clause</U>&nbsp;<U>(b)</U> of the definition of &ldquo;Change of Control&rdquo;,
 &ldquo;Equity Interests&rdquo; shall not include any Convertible Debt Securities unless and until any of the foregoing is
converted into, or is exchanged or exercised for, any Equity Interest.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>ERISA</B>&rdquo;
shall mean the Employee Retirement Income Security Act of 1974.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>ERISA Affiliate</B>&rdquo;
shall mean any trade or business (whether or not incorporated) that, together with any Credit Party or any other Subsidiary of
the Borrower, is treated as a &ldquo;single employer&rdquo; within the meaning of Section&nbsp;414(b), (c), (m) or (o) of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence --></FONT></P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>ERISA Event</B>&rdquo;
shall mean (a) any Reportable Event, (b) with respect to any Plan or Multiemployer Plan, the failure to satisfy the minimum funding
standard (as defined in Section&nbsp;412 or 430 of the Code or Section&nbsp;302 of ERISA), whether or not waived, (c) the filing
pursuant to Section&nbsp;412(c) of the Code or Section&nbsp;302(c) of ERISA of an application for a waiver of the minimum funding
standard with respect to any Plan or Multiemployer Plan, (d) the filing of a notice to terminate any Plan, (e) a determination
that any Plan is in &ldquo;at-risk status&rdquo; or any Multiemployer Plan is in &ldquo;endangered status&rdquo; or &ldquo;critical
status&rdquo; (as each is defined in Section&nbsp;303 and 305 of ERISA, respectively), (f) the incurrence by any Credit Party,
any other Subsidiary of the Borrower or any ERISA Affiliate of any liability (x) under Title IV of ERISA with respect to the termination
of any Plan or (y) in connection with the withdrawal or partial withdrawal from any Multiemployer Plan, (g) proceedings have been
instituted to terminate or appoint a trustee to administer any Plan, (h) the receipt by any Credit Party, any other Subsidiary
of the Borrower or any ERISA Affiliate of any notice, or the receipt by any Multiemployer Plan from any Credit Party, any other
Subsidiary of the Borrower or any ERISA Affiliate of any notice, concerning the imposition of Withdrawal Liability or a determination
that a Multiemployer Plan is, or is expected to be, insolvent within the meaning of Title IV of ERISA or (i) the occurrence of
a non-exempt &ldquo;prohibited transaction&rdquo; with respect to which any Credit Party or any other Subsidiary of the Borrower
is a &ldquo;disqualified person&rdquo; (each within the meaning of Section&nbsp;4975 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>EU Bail-In
Legislation Schedule</B>&rdquo; shall mean the EU Bail-In Legislation Schedule published by the Loan Market Association (or any
successor person), as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Event of
Default</B>&rdquo; shall have the meaning assigned to such term in <U>Section&nbsp;7.01</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Exchange
Act</B>&rdquo; shall mean the Securities Exchange Act of 1934, as amended, and the rules and regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Excluded
Pledges</B>&rdquo; shall mean any pledge of Equity Interests (a) for which the pledge of such Equity Interests is prohibited by
applicable law or any contractual obligations not otherwise prohibited hereunder or that would require the consent, approval, license
or authorization of any Governmental Authority or third party (unless such consent, approval, license or authorization has been
received; <I>provided</I> that no Credit Party shall be required to seek such consent), (b) any Specified Subsidiary, (c) of a
captive insurance entity, (d) any REO Subsidiary (i) if the Equity Interests of such REO Subsidiary are required to be pledged
to secure the Asset Level Term Loan or the related Permitted Funding Indebtedness or (ii) in the case of Diplomat Property Manager,
LLC and Spartan Property Manager, LLC, during the first 180 days after the Closing Date and (e) any Repo Subsidiary. The pledge
of the Equity Interests of the Asset Level Borrower shall not be an Excluded Pledge unless such Asset Level Borrower is also (a)
a REO Subsidiary (i) whose Equity Interests are required to be pledged to secure the Asset Level Term Loan or the related Permitted
Funding Indebtedness or (ii) in the case of Diplomat Property Manager, LLC and Spartan Property Manager, LLC, during the first
180 days after the Closing Date or (b) a Wholly Owned Subsidiary of another Asset Level Borrower that is not a REO Subsidiary whose
Equity Interests are required to be pledged to secure the Asset Level Term Loan or the related Permitted Funding Indebtedness.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Excluded
Subsidiary</B>&rdquo; shall mean each (a) Securitization Entity, (b) Repo Debt Entity, (c) Immaterial Subsidiary, (d) captive insurance
Subsidiary, (e) Subsidiary that is prohibited by applicable law from guaranteeing the Obligations or that would require the consent,
approval, license or authorization of any Governmental Authority or third party to guarantee the Obligations (unless such consent,
approval, license or authorization has been received; <I>provided </I>that no Credit Party shall be required to seek such consent),
(f) non-wholly owned Subsidiary,&nbsp; (g) any REO Subsidiary (i) if the Equity Interests of such REO Subsidiary are required to
be pledged to secure the Asset Level Term Loan or the related Permitted Funding Indebtedness or (ii) if such REO Subsidiary is
Diplomat Property Manager, LLC or Spartan Property Manager, LLC, during the first 180 days after the Closing Date and (h) any Repo
Subsidiary; <I>provided</I> that a Securitization Entity or Repo Debt Entity shall not be an Excluded Subsidiary if the Permitted
Funding Indebtedness incurred by such Securitization Entity or such Repo Debt Entity is guaranteed, by any Credit Party (excluding
any guaranty that is solely any of the following (i) a &ldquo;carve-out&rdquo; or &ldquo;bad-boy&rdquo; guaranty and the related
Securitization Issuer or Repo Debt Entity is intended to be bankruptcy remote from the Credit Parties or (ii) any guarantee that
is limited to a guarantee of the performance of obligations incurred in connection with the related Permitted Funding Indebtedness,
such as the performance of Repurchase Obligations and is not a guaranty of the related Permitted Funding Indebtedness).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Excluded
Taxes</B>&rdquo; shall mean, with respect to any Recipient of any payment to be made by or on account of any obligation of the
Borrower or any other Credit Party hereunder, (a) Taxes imposed on (or measured by) net income (however denominated), franchise
Taxes and branch profits Taxes, in each case (i) imposed as a result of such recipient being organized under the laws of, or having
its principal office located in or, in the case of any Lender its applicable lending office located in, the jurisdiction imposing
such Tax (or any political subdivision thereof), or (ii) that are Connection Taxes, (b) in the case of a Lender (other than an
assignee pursuant to a request by the Borrower under <U>Section&nbsp;2.18</U>), any U.S. federal withholding Tax that is imposed
on amounts payable to or for the account of such Lender under applicable law in effect at the time such Lender acquires any interest
in a Loan or a Commitment or designates a new lending office, except to the extent that such Lender (or its assignor, if any) was
entitled, at the time of acquisition of such interest in a Loan or Commitment, designation of a new lending office or assignment,
to receive additional amounts with respect to such withholding Tax pursuant to <U>Section&nbsp;2.17(b)</U>, (c) any Tax attributable
to such Recipient&rsquo;s failure to comply with <U>Section&nbsp;2.17(f)</U> and (d) any U.S. federal withholding Taxes imposed
pursuant to FATCA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Executive
Order</B>&rdquo; shall have the meaning assigned to such term in <U>Section&nbsp;3.22(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Existing
Preferred Stock</B>&rdquo; shall mean Parent&rsquo;s outstanding 7.50% Series B Cumulative Redeemable Preferred Stock and 6.50%
Series C Fixed-to-Floating Rate Cumulative Redeemable Preferred Stock as classified and designated by the articles supplementary
to Parent&rsquo;s Charter in effect as of the Effective Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Fair Market
Value</B>&rdquo; shall mean, with respect to any asset (including any Equity Interests of any Person), the price at which a willing
buyer that is not an Affiliate of the seller, and a willing seller, would reasonably be expected to agree to purchase and sell
such asset, as determined in good faith by the Borrower or the Subsidiary selling such asset, whose determination will be conclusive
for all purposes under the Credit Documents, absent manifest error.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>FATCA</B>&rdquo;
shall mean Sections 1471 through 1474 of the Code, as of the Closing Date (or any amended or successor version that is substantively
comparable and not materially more onerous to comply with), any current or future regulations or official interpretations thereof
and any agreements entered into pursuant to Section&nbsp;1471(b)(1) of the Code and any fiscal or regulatory legislation, rules
or practices adopted pursuant to any intergovernmental agreement, treaty or convention among Governmental Authorities implementing
such Sections of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Federal Funds
Effective Rate</B>&rdquo; shall mean, for any day, the rate per annum calculated by the Federal Reserve Bank of New York based
on such day&rsquo;s federal funds transactions by depository institutions (as determined in such manner as the Federal Reserve
Bank of New York shall set forth on its public website from time to time), as published by the Federal Reserve Bank of New York
on the Business Day next succeeding such day; <I>provided</I> that if such day is not a Business Day, the Federal Funds Effective
Rate for such day shall be such rate on such transactions on the next preceding Business Day as so published on the next succeeding
Business Day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Forbearance
Security and Collateral Agency Agreement</B>&rdquo; means that certain Security and Collateral Agency Agreement, dated as of April
10, 2020, by and among Parent and certain of its affiliates, jointly and severally, Wilmington Trust, National Association, as
agent for the repurchase agreement financing counterparties named therein (the &ldquo;<U>Participating Counterparties</U>&rdquo;),
and the Participating Counterparties.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Foreign Lender</B>&rdquo;
shall mean any Lender that is not a &ldquo;United States person&rdquo; within the meaning of Section&nbsp;7701(a)(30) of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Foreign Subsidiary</B>&rdquo;
of any Person shall mean any Subsidiary of such Person that is not a Domestic Subsidiary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>GAAP</B>&rdquo;
shall mean generally accepted accounting principles in the United States as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Governmental
Authority</B>&rdquo; shall mean the government of the United States of America, any other nation or any political subdivision thereof,
whether state, provincial or local, and any agency, authority, instrumentality, regulatory body, court, central bank or other entity
exercising executive, legislative, judicial, taxing, regulatory or administrative powers or functions of or pertaining to government.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Government
Official</B>&rdquo; shall have the meaning assigned to such term in <U>Section 3.23(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Granting
Lender</B>&rdquo; shall have the meaning assigned to such term in <U>Section&nbsp;9.04(i)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Guarantors</B>&rdquo;
shall mean Parent and each Subsidiary Guarantor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Guaranty</B>&rdquo;
shall mean the Guaranty dated as of the Closing Date made by Guarantors from time to time party thereto in favor of the Administrative
Agent for the benefit of the Secured Creditors, substantially in the form of <U>Exhibit E</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Hazardous
Materials</B>&rdquo; shall mean (a) any petroleum or petroleum products, radioactive materials, asbestos, asbestos-containing material,
lead, mold, urea formaldehyde foam insulation, polychlorinated biphenyls, and radon gas; (b) any chemicals, materials or substances
defined as or included in the definition of &ldquo;hazardous substances,&rdquo; &ldquo;hazardous waste,&rdquo; &ldquo;hazardous
materials,&rdquo; &ldquo;extremely hazardous substances,&rdquo; &ldquo;restricted hazardous waste,&rdquo; &ldquo;toxic substances,&rdquo;
 &ldquo;toxic pollutants,&rdquo; &ldquo;contaminants,&rdquo; or &ldquo;pollutants,&rdquo; or words of similar import, under any
applicable Environmental Law; and (c) any other chemical, material or substance, the exposure to, or Release of which is prohibited,
limited or regulated by any Governmental Authority, or may give rise to liability under any Environmental Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Immaterial
Subsidiary</B>&rdquo; shall mean at any time, any Subsidiary of Parent (i) having aggregate total assets (as determined in accordance
with GAAP) in an amount of less than 5.0% of consolidated total assets of Parent and its Subsidiaries as of the last day of the
immediately preceding fiscal quarter for which financial statements are available and (ii) contributing in the aggregate less than
5.0% to consolidated revenue for the most recent period of four (4) consecutive fiscal quarters for which financial statements
are available.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Indebtedness</B>&rdquo;
shall mean, as to any Person, without duplication, (a) all indebtedness of such Person for borrowed money and all obligations of
such Person evidenced by bonds, debentures, notes or similar instruments, including any Securitization Indebtedness, (b) the maximum
amount available to be drawn or paid under all letters of credit, bankers&rsquo; acceptances, bank guaranties, surety and appeal
bonds and similar obligations issued for the account of such Person and all unpaid drawings and unreimbursed payments in respect
of such letters of credit, bankers&rsquo; acceptances, bank guaranties, surety and appeal bonds and similar obligations, (c) all
Capitalized Lease Obligations of such Person, (d) all Contingent Obligations of such Person in respect of indebtedness and other
obligations described in another clause of this definition, (e)&nbsp;(i)&nbsp;the net mark-to-market exposure under any Interest
Rate Protection Agreement or any Other Hedging Agreement and, (ii)&nbsp;all obligations of such Person under conditional sale or
other title retention agreements relating to property or assets purchased by such Person, (f) any obligation owed for all or any
part of the deferred purchase price of property or services, including any liquidated earn-out obligations (excluding any such
obligations incurred under ERISA), which purchase price is due more than six (6) months from the date of incurrence of the obligation
in respect thereof and (g) Disqualified Equity Interests. The Indebtedness of any Person shall include the Indebtedness of any
other entity (including any partnership in which such Person is a general partner) to the extent such Person is directly liable
therefor as a result of such Person&rsquo;s ownership interest in or other relationship with such entity, except to the extent
the terms of such Indebtedness provide that such Person is not liable therefor. Notwithstanding the foregoing, Indebtedness shall
not include trade payables, accrued expenses and deferred Tax and other credits incurred by any Person in accordance with customary
practices and in the ordinary course of business of such Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Indemnified
Taxes</B>&rdquo; shall mean (a) Taxes imposed on or with respect to any payment made by any or on account of any obligation of
any Credit Party under any Credit Document, other than Excluded Taxes, and (b) to the extent not otherwise described in (a), Other
Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Indemnitee</B>&rdquo;
shall have the meaning assigned to such term in <U>Section&nbsp;9.05(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Information</B>&rdquo;
shall have the meaning assigned to such term in <U>Section&nbsp;9.16</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Initial Lenders</B>&rdquo;
shall mean Omaha Debt Aggregator, L.P., a Delaware limited partnership, and AUSA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Intangible
Assets</B>&rdquo; shall mean assets that are considered to be intangible assets under GAAP, including customer lists, goodwill,
computer software, copyrights, trade names, trademarks, patents, franchises, licenses, unamortized deferred charges, unamortized
debt discount and capitalized research and development costs.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Intercompany
Debt</B>&rdquo; shall mean any Indebtedness, payables or other obligations, whether now existing or hereafter incurred, owed by
the Borrower or any Subsidiary to the Borrower or any other Subsidiary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Intercompany
Loans</B>&rdquo; shall have the meaning assigned to such term in <U>Section&nbsp;6.05(f)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Intercompany
Subordination Agreement</B>&rdquo; shall mean the Intercompany Subordination Agreement dated as of the Closing Date among the Borrower
and certain subsidiaries of the Borrower and the Collateral Agent, substantially in the form of <U>Exhibit G</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Interest
Rate Protection Agreement</B>&rdquo; shall mean any interest rate swap agreement, interest rate cap agreement, interest collar
agreement, interest rate hedging agreement or any other agreement or arrangement similar to any of the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Investments</B>&rdquo;
shall have the meaning assigned to such term in <U>Section&nbsp;6.05</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Investment
Agreement</B>&rdquo; shall mean that certain Investment Agreement, dated as of June 15, 2020, by and among Parent, Omaha Equity
Aggregator, L.P. and AUSA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&ldquo;IRS&rdquo;
</B>shall mean the United States Internal Revenue Service.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Lenders</B>&rdquo;
shall mean (a) the Persons listed on <U>Schedule 2.01</U> and (b) any Person that has become a party hereto as a Lender pursuant
to an Assignment and Acceptance, other than any such Person that has ceased to be a party hereto as a Lender pursuant to an Assignment
and Acceptance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Lien</B>&rdquo;
shall mean (a) any lien (statutory or other), mortgage, deed of trust, pledge, hypothecation, assignment, deposit arrangement,
security interest, charge, preference, priority or other security agreement or encumbrance of any kind or nature whatsoever (including
any agreement to give any of the foregoing, any conditional sale or other title retention agreement, and any lease or license in
the nature thereof) and any option, trust or other preferential arrangement having the practical effect of any of the foregoing
and (b) in the case of Securities, any purchase option, call or similar right of a third party with respect to such Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Liquidity</B>&rdquo;
shall mean, as of any date of determination, the sum of (i) Unrestricted cash and Unrestricted Cash Equivalents of the Parent,
the Borrower and the Subsidiaries plus (ii) the aggregate amount of unused committed availability as of such date under facilities
for Permitted Repo Indebtedness (which shall be deemed to include any committed unused capacity attributable to under-borrowing
(or under payment of &ldquo;purchase price&rdquo; to the applicable Repo Debt Entity) or the equivalent thereof under such facilities).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Liquidity
Threshold</B>&rdquo; shall mean, at any time, the sum of (a)&nbsp;$50,000,000 plus (b)&nbsp;the product of (i) 10.0% and (ii) the
aggregate outstanding obligations in respect of Permitted Repo Indebtedness that is subject to mark-to-market valuation thereunder
at such time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Loans</B>&rdquo;
shall mean collectively, (a) the term loans made by the Lenders to the Borrower pursuant to <U>Section&nbsp;2.01</U> and (b) the
Protective Advances made by the Lenders pursuant to <U>Section 2.20</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Make Whole
Premium</B>&rdquo; shall mean, with respect to any prepayment of Loans pursuant to <U>Section&nbsp;2.10(a)</U> pursuant to which
the Make Whole Premium applies, or with respect to Loans the principal of which has become or has been declared to be immediately
due and payable pursuant to <U>Article 7</U>, an amount equal to the net present value (computed using a discount rate equal to
the Treasury Rate as of such prepayment date plus 50 basis points), as determined by the Administrative Agent (or its designee,
which may be a Lender) in accordance with accepted financial practice at the date of such prepayment or acceleration, of all required
interest payable on the aggregate principal amount of the Loans subject to such prepayment or acceleration from the date of such
prepayment or acceleration through and including the Maturity Date (assuming all interest is paid in cash during such period).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Margin Stock</B>&rdquo;
shall have the meaning assigned to such term in Regulation U.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Market Value</B>&rdquo;
means (a) in respect of any asset subject to a mark-to-market arrangement in connection with any Indebtedness to finance such asset,
the most recently determined mark-to-market value determined for such Indebtedness, (b) in respect of any Permitted Funding Asset
not subject to a mark-to-market arrangement in connection with any Indebtedness to finance any such asset or any other asset for
which Parent or any Subsidiary in the Ordinary Course of Business obtains third party valuations, the lesser of (i)&nbsp;the most
recent third party valuation thereof received by Parent, the Borrower or any Subsidiary and (ii)&nbsp;the book-value of such asset
as determined in in accordance with GAAP and (c)&nbsp;in respect of any other asset, the book-value of such asset as determined
in in accordance with GAAP.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Material
Adverse Effect</B>&rdquo; shall mean a material adverse effect on (a) the business, operations, property, assets or financial condition
of Parent, the Borrower and its Subsidiaries taken as a whole, (b) the rights or remedies of or benefits available to the Lenders,
the Administrative Agent or the Collateral Agent hereunder or under any other material Credit Document, taken as a whole or (c)&nbsp;the
ability of Parent, the Borrower or the other Credit Parties, taken as a whole, to perform its or their payment obligations to the
Lenders, the Administrative Agent or the Collateral Agent hereunder or under any other material Credit Document; <I>provided </I>that
changes in the business, assets, operations or financial condition of Parent, the Borrower or any of its Subsidiaries that have
been disclosed in writing to the Lenders or in Parent&rsquo;s public filing with the SEC, in each case prior to the Effective Date,
shall not constitute a &ldquo;Material Adverse Effect&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Material
Subsidiary</B>&rdquo; shall mean any Subsidiary of the Borrower other than an Immaterial Subsidiary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Maturity
Date</B>&rdquo; shall mean the 6th anniversary of the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Maximum Rate</B>&rdquo;
shall have the meaning assigned to such term in <U>Section&nbsp;9.09</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Moody&rsquo;s</B>&rdquo;
shall mean Moody&rsquo;s Investors Service, Inc., or any successor thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>MSR Related
Assets</B>&rdquo; shall mean loans and other debt instruments secured by (or otherwise paid out of payments on or arising from)
the servicing of residential mortgage loans and related activities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Multiemployer
Plan</B>&rdquo; shall mean a multiemployer plan as defined in Section&nbsp;4001(a)(3) of ERISA to which any Credit Party, any other
Subsidiary of the Borrower or any ERISA Affiliate (a) currently makes or is obligated to make contributions, (b) has made or was
obligated, within the preceding six (6) years, to make contributions, or (c) otherwise has any outstanding liability.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>NAIC</B>&rdquo;
shall mean the National Association of Insurance Commissioners.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Net Cash
Proceeds</B>&rdquo; shall mean, for any event requiring a repayment of Loans pursuant to <U>Section&nbsp;2.11(a)</U> or <U>(b)</U>,
as the case may be, the gross cash proceeds (including any cash received by way of deferred payment pursuant to a promissory note,
receivable or otherwise, but only as and when received) received from such event, net of out-of-pocket transaction costs (including,
as applicable, any underwriting, brokerage or other customary commissions and out-of-pocket legal, advisory and other fees and
expenses associated therewith) received from any such event and, in the case of a Recovery Event, net of the amount of such gross
cash proceeds required to be used to permanently repay any Indebtedness which is secured by the respective property or assets destroyed,
damaged, taken or otherwise underlying such Recovery Event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Non-Defaulting
Lender</B>&rdquo; shall mean, at any time, each Lender that is not a Defaulting Lender at such time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Non-Wholly
Owned Subsidiary</B>&rdquo; shall mean, as to any Person, each Subsidiary of such Person which is not a Wholly Owned Subsidiary
of such Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Notes</B>&rdquo;
shall mean any promissory notes issued from time to time pursuant to <U>Section&nbsp;2.04(e)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Obligations</B>&rdquo;
shall mean all amounts owing to the Administrative Agent, the Collateral Agent or any Lender pursuant to the terms of this Agreement
or any other Credit Document, including all amounts in respect of any principal, premium, interest (including any interest accruing
after the commencement of any bankruptcy, insolvency, receivership or similar proceeding (or which would accrue but for the operation
of applicable bankruptcy or insolvency laws) at the rate provided for herein, whether or not such interest is an allowed or allowable
claim in any such proceeding), penalties, fees, expenses, indemnifications, reimbursements, damages and other liabilities, and
guarantees of the foregoing amounts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Ordinary
Course of Business</B>&rdquo; shall mean the ordinary course of business (i) as conducted by similarly situated residential loan
and mortgage finance businesses in good faith in a manner consistent with customary market practice for the industries in which
the Borrower and its Subsidiaries operate or (ii) as conducted by the Borrower and its Subsidiaries in good faith and consistent
with past practice with respect to the scope of its normal business operations. A non-qualified mortgage loan securitization of
Permitted Funding Assets or Permitted Funding Indebtedness with respect to any Permitted Funding Assets, in each case, that is
not otherwise prohibited hereunder shall be deemed to be in the Ordinary Course of Business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Other Hedging
Agreements</B>&rdquo; shall mean any foreign exchange contracts, currency swap agreements, commodity agreements, credit default
swap agreements or other similar arrangements, or arrangements designed to protect against fluctuations in currency values, commodity
prices or credit exposures.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Other Taxes</B>&rdquo;
shall mean any and all present or future stamp, court or documentary Taxes, intangible, recording or filing Taxes or any other
similar Taxes, charges or levies arising from any payment made under any Credit Document or from the execution, delivery, performance,
registration or enforcement of, from the receipt or perfection of a security interest under, or otherwise with respect to, any
Credit Document, except any such Taxes that are Connection Taxes imposed with respect to any assignment (other than an assignment
made pursuant to <U>Section&nbsp;2.18</U>).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Parent</B>&rdquo;
shall have the meaning assigned to such term in the introductory statement to this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Participant
Register</B>&rdquo; shall have the meaning assigned to such term in <U>Section&nbsp;9.04(f)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Payment Election
Notice</B>&rdquo; shall mean, with respect to any Quarterly Payment Date a notice, duly completed and signed by an Authorized Officer
of the Borrower, substantially in the form of <U>Exhibit I</U> specifying (i) pursuant to <U>Section&nbsp;2.06</U> and <U>Section&nbsp;2.08</U>,
the amount of interest that shall be paid as PIK Interest and Cash Interest on such Quarterly Payment Date (expressed as a percent
per annum, e.g. up to 3% per annum may be elected to be accrued as PIK Interest), and (ii) pursuant to <U>Section&nbsp;2.09</U>,
the amount of amortization that the Borrower may elect to defer on such Quarterly Payment Date, if any together with, solely in
the event such deferral is elected, reasonably detailed calculations demonstrating the amount of such deferred payment, if any,
and the calculation of the test under <U>Section&nbsp;6.15</U> after giving effect to the application of funds on such Quarterly
Payment Date (it being understood that such test shall use the average Liquidity for the five (5) Business Days immediately preceding
the date the relevant Payment Election Notice is delivered by the Borrower).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Permitted
Credit Default Swap</B>&rdquo; shall mean any credit default swap with respect to one or more counterparties to which the Parent
or any of its Subsidiaries has exposure, which credit default swap is designed to protect against actual credit risk to which such
Person has exposure, is for <I>bona fide</I> hedging activities in the Ordinary Course of Business and which is not for speculative
purposes and which has been approved by the board of directors of Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Permitted
Funding Assets</B>&rdquo; shall mean (a) Residential Mortgage Loans, REO Assets, MSR Related Assets, credit risk transfer or similar
securities, and residential mortgage backed securities (including those backed by re-performing and/or non-performing loans), (b)
any reserve accounts, collection accounts and similar other accounts (including any trust accounts) established in connection with
the incurrence of Permitted Funding Indebtedness to finance the assets described in <U>clause (a)</U>, and any amounts on deposit
in (or credited to) such accounts, (c) rights and interests under any of the transaction documents (including any transfer agreements)
related to any such Permitted Funding Indebtedness, (d) in each case, with respect to assets of the type described in <U>clause
(a)</U>, <U>(b)</U> or <U>(c)</U>, any related rights or other assets ancillary or incidental to the acquisition or ownership of
such assets and (e) Equity Interests in any Subsidiary of the Borrower whose sole assets are assets of the type described in <U>clauses
(a)</U>, <U>(b)</U>, <U>(c)</U> and <U>(d)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Permitted
Funding Indebtedness</B>&rdquo; shall mean (a) any Permitted Repo Indebtedness and (b) any Permitted Securitization Indebtedness
(including, in each case, any obligations incidental to the incurrence of such Permitted Repo Indebtedness or Permitted Securitization
Indebtedness, such as Repurchase Obligations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Permitted
Liens</B>&rdquo; shall have the meaning assigned to such term in <U>Section&nbsp;6.01</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Permitted
Refinancing</B>&rdquo; shall mean any Indebtedness (the &ldquo;<B>refinancing Indebtedness</B>&rdquo;) issued in exchange for,
or the net proceeds of which are used to refinance, renew, replace, defease, discharge or refund, other Indebtedness (the &ldquo;<B>refinanced
Indebtedness</B>&rdquo;); <I>provided</I> that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the principal amount of such refinancing Indebtedness does not exceed the principal amount of the refinanced Indebtedness
(plus all accrued interest thereon and the amount of all out-of-pocket fees, expenses and premiums incurred in connection with
such exchange, refinancing, renewal, replacement, defeasance, discharge or refunding);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>such refinancing Indebtedness has a final maturity date later than the final maturity date of, and, in the case of non-revolving
credit Indebtedness, has a weighted average life to maturity equal to or greater than the weighted average life to maturity of,
the refinanced Indebtedness (determined without giving effect to prior payments that reduced amortization of the refinanced Indebtedness.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>no Person, other than the obligors of the refinanced Indebtedness, shall be an obligor in respect of such refinancing Indebtedness;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>if the refinanced Indebtedness is subordinated in right of payment or in lien priority to the Obligations, the refinancing
Indebtedness shall be subordinated in right of payment or in lien priority, as applicable, to the Obligations on terms at least
as favorable to the Lenders as those contained in the documentation governing the refinanced Indebtedness;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>if such refinanced Indebtedness is secured, the refinancing Indebtedness with respect thereto may only be secured if and
to the extent secured by the same assets (and improvements affixed thereto) that secured such refinanced Indebtedness; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>in the case of a refinancing of any Convertible Debt Security, such refinanced debt shall consist of debt securities, the
terms of which provide for the conversion into, or exchange for, common stock of Parent and cash in lieu of fractional shares thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Permitted
Repo Indebtedness</B>&rdquo; shall mean Repo Indebtedness, so long as (a) such Repo Indebtedness is the sole obligation of (i)
the related Repo Debt Entity, (ii) any related REO Subsidiary, (iii) any related Repo Subsidiary, (iv) Parent (pursuant to an unsecured
guaranty by Parent or an arrangement pursuant to which Parent is a co-seller or a co-borrower but does not grant any collateral
security to secure such Repo Indebtedness), and (v) at any time prior to the funding of the Loans to be made pursuant to <U>Section
2.01</U> and the settlement of the proceeds thereof (but not at any time thereafter), each of the &ldquo;Debtor&rdquo; parties
to the Forbearance Security and Collateral Agency Agreement, and (b) the Borrower and the applicable Repo Debt Entity use commercially
reasonable efforts to cause the related financing sources to deliver a Repo Indebtedness Purchase Letter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Permitted
Securitization Indebtedness</B>&rdquo; shall mean Securitization Indebtedness, so long as (a) such Securitization Indebtedness
is the sole obligation of the related Securitization Entity and any related REO Subsidiary (other than Repurchase Obligations,
which may be obligations of other parties) and (b) in connection with any Securitization, any Repo Indebtedness used to finance
the purchase or origination of any Permitted Funding Assets subject to such Securitization is repaid in connection with such Securitization
to the extent of the net proceeds received by the Borrower and its Subsidiaries from the applicable Securitization Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Permitted
Subordinated Debt</B>&rdquo; shall mean unsecured Indebtedness of Parent that is expressly subordinated to the Obligations in right
of payment on terms approved by the Required Lenders, such approval not to be unreasonably withheld, delayed or conditioned.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Person</B>&rdquo;
shall mean any individual, partnership, joint venture, firm, corporation, association, limited liability company, trust or other
enterprise or any Governmental Authority.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>PIK Election</B>&rdquo;
shall have the meaning assigned to such term in <U>Section 2.06(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>PIK Interest</B>&rdquo;
shall have the meaning assigned to such term in <U>Section 2.06(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Plan</B>&rdquo;
shall mean any employee pension benefit plan (other than a Multiemployer Plan) subject to the provisions of Title IV of ERISA or
Section&nbsp;412 of the Code or Section&nbsp;302 of ERISA, and in respect of which any Credit Party, any other Subsidiary of the
Borrower or any ERISA Affiliate (i) is (or, if such plan were terminated, would under Section&nbsp;4069 of ERISA be deemed to be)
an &ldquo;employer&rdquo; as defined in Section&nbsp;3(5) of ERISA or (ii) otherwise has any outstanding liability.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Platform</B>&rdquo;
shall have the meaning assigned to such term in <U>Section&nbsp;9.01</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Pledge Agreement</B>&rdquo;
shall mean the Pledge Agreement dated as of the Closing Date among each of the pledgors from time to time party thereto and the
Collateral Agent, substantially in the form of <U>Exhibit J</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Pledge Agreement
Collateral</B>&rdquo; shall mean all &ldquo;Collateral&rdquo; as defined in the Pledge Agreement; <I>provided</I> that such Pledge
Agreement Collateral shall not include Excluded Pledges.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Preferred
Equity</B>&rdquo;, as applied to the Equity Interests of any Person, shall mean Equity Interests of such Person (other than common
Equity Interests of such Person) of any class or classes (however designated) that ranks prior, as to the payment of dividends
or as to the distribution of assets upon any voluntary or involuntary liquidation, dissolution or winding up of such Person, to
shares of Equity Interests of any other class of such Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Preferred
Stock Accumulated Dividends</B>&rdquo; shall mean such dividends on the Existing Preferred Stock which have accumulated but have
not been paid to the record holders thereof or such other Persons as to which such dividends are to be paid in accordance with
the terms governing the Existing Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Protective
Advance</B>&rdquo; shall have the meaning assigned to <U>Section 2.20</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Public Lender</B>&rdquo;
shall have the meaning assigned to such term in <U>Section&nbsp;9.01</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Qualified
Equity Interests</B>&rdquo; shall mean any Equity Interests of the Borrower so long as the terms of any such Equity Interests (or
the terms of any security into which it is convertible or for which it is exchangeable) (a) do not contain any maturity, mandatory
put, redemption, repayment, sinking fund or other similar provision (whether as a result of an asset sale, change of control or
otherwise), (b) do not require the payment of cash dividends or distributions that would otherwise be prohibited by the terms of
this Agreement and (c) do not provide that such Equity Interests are or will become convertible into or exchangeable for Indebtedness
or any other Equity Interests (other than Qualified Equity Interests), in each case of (a), (b) and (c) before the date that is
ninety-one (91) days after the Maturity Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Qualified
REIT Subsidiary</B>&rdquo; has the meaning set forth in Section&nbsp;856(i)(2) of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Quarterly
Payment Date</B>&rdquo; shall mean the last Business Day of each calendar quarter, commencing on September 30, 2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Real Property</B>&rdquo;
of any Person shall mean all the right, title and interest of such Person in and to land, improvements and fixtures.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Recipient</B>&rdquo;
means (a) the Administrative Agent or (b) any Lender.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Recovery
Event</B>&rdquo; shall mean the receipt by the Borrower or any Subsidiary of any cash insurance proceeds or condemnation awards
payable (a) by reason of theft, loss, physical destruction, damage, taking or any other similar event with respect to any property
or assets of the Borrower or any Subsidiary or (b) under any policy of insurance required to be maintained under <U>Section&nbsp;5.03</U>
(excluding, in each case, business interruption insurance and hazard and flood insurance maintained with respect to REO Assets).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Register</B>&rdquo;
shall have the meaning assigned to such term in <U>Section&nbsp;9.04(d)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Regulation
U</B>&rdquo; shall mean Regulation U of the Board of Governors of the Federal Reserve System as from time to time in effect and
any successor to all or a portion thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Regulation
X</B>&rdquo; shall mean Regulation X of the Board of Governors of the Federal Reserve System as from time to time in effect and
any successor to all or a portion thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>REIT</B>&rdquo;
shall mean a real estate investment trust within the meaning of and under the provisions of Sections 856 et seq. of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Related Fund</B>&rdquo;
shall mean, with respect to any Lender that is an insurance company, fund or commingled investment vehicle (or an affiliate of
any of the foregoing) that invests in bank loans, (a) one or more of such Lender&rsquo;s Affiliate or one or more cedants that
have entered into a reinsurance relationship with such Lender or any Affiliate thereof, (b) any fund, insurance company or other
entity managed or advised by the investment advisor (or one or more Affiliates thereof) to any Lender, or (c) any beneficiary under
a trust agreement in which the investment advisor (or an Affiliate thereof) to any Lender is also the investment advisor or asset
manager of the grantor under such trust agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Related Parties</B>&rdquo;
shall mean, with respect to any specified Person, such Person&rsquo;s Affiliates and the respective directors, trustees, officers,
employees, agents, representatives and advisors of such Person and such Person&rsquo;s Affiliates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Release</B>&rdquo;
shall mean actively or passively disposing, discharging, injecting, spilling, pumping, leaking, leaching, dumping, emitting, escaping,
emptying, pouring, seeping, migrating or the like, into or upon any land or water or air, or otherwise entering into the environment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>REO Assets</B>&rdquo;
of a Person shall mean any real property owned by such Person and acquired as a result of the foreclosure or other enforcement
of a lien on such asset securing a loan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>REO Subsidiary</B>&rdquo;
means a Subsidiary of the Borrower whose sole business purposes are (a) holding REO Assets directly or indirectly pledged in connection
with the Asset Level Term Loan or any Permitted Funding Indebtedness, and (b) activities incidental or related thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Repo Debt
Entity</B>&rdquo; shall mean any Wholly Owned Subsidiary of the Borrower that is exclusively or primarily engaged in the origination
or acquisition of Permitted Funding Assets and the incurrence of Permitted Repo Indebtedness in connection therewith and activities
relating thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Repo Facility</B>&rdquo;
shall mean any financing arrangement of any kind, including financing arrangements in the form of repurchase facilities, loan agreements,
note issuance facilities and commercial paper facilities (excluding, in all cases, Securitizations), with a financial institution
or other lender or purchaser (such financial institution or other lender or purchaser, a &ldquo;<B>Repo Provider</B>&rdquo;) exclusively
to finance or refinance the purchase or origination by a Repo Debt Entity of, or provide funding to a Repo Debt Entity through
the transfer of, Permitted Funding Assets purchased or originated by a Repo Debt Entity in the Ordinary Course of Business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Repo Indebtedness</B>&rdquo;
shall mean Indebtedness in connection with a Repo Facility; <I>provided</I> that the amount of any particular Repo Indebtedness
as of any date of determination shall be calculated in accordance with GAAP.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Repo Indebtedness
Purchase Letter</B>&rdquo; means a letter agreement substantially in the form of Exhibit M hereto or such other letter agreement
related to the matters described in Exhibit M and acceptable to the Required Lenders in their commercially reasonable discretion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Repo Subsidiary</B>&rdquo;
means a Subsidiary of a Repo Debt Entity or an Asset Level Borrower (a) whose sole assets are Permitted Funding Assets and (b)
whose Equity Interests are required to be pledged to secure the Asset Level Term Loan or the related Permitted Repo Indebtedness,
as applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Repo Provider</B>&rdquo;
shall have the definition given to it in &ldquo;Repo Facility&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Reportable
Event</B>&rdquo; shall mean an event described in Section&nbsp;4043(c) of ERISA with respect to a Plan other than those events
as to which the 30-day notice period is waived.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Repurchase
Obligation</B>&rdquo; shall mean any obligation of a seller of Permitted Funding Assets in connection with the incurrence of Permitted
Funding Indebtedness to repurchase the related Permitted Funding Assets from the related buyer, or to make a payment in respect
thereof, arising as a result of a breach of a representation, warranty or covenant or otherwise, including, without limitation,
as a result of a receivable or portion thereof becoming subject to any asserted defense, dispute, offset or counterclaim of any
kind as a result of any action taken by, any failure to take action by or any other event relating to the seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Required
Lenders</B>&rdquo; shall mean, at any time, Lenders having Loans and unused Commitments representing more than 50% of the sum of
all Loans outstanding and unused Commitments at such time. The Loans and unused Commitments of any Defaulting Lender shall be disregarded
in the determination of the Required Lenders at any time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Residential
Mortgage Loan</B>&rdquo; shall mean any residential mortgage loan, manufactured housing installment sale contract and loan agreement,
home equity loan, home improvement loan, fix and flip loans, single family rentals loans, multi-family loans, consumer installment
sale contract or similar loan evidenced by a Residential Mortgage Note, and any installment sale contract, loan contract or chattel
paper.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Residential
Mortgage Note</B>&rdquo; shall mean a promissory note, bond or similar instrument evidencing indebtedness of an obligor under a
Residential Mortgage Loan, including, without limitation, all related security interests and any and all rights to receive payments
due thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Resolution
Authority</B>&rdquo; shall mean an EEA Resolution Authority or, with respect to any UK Financial Institution, a UK Resolution Authority.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Response
Date</B>&rdquo; shall have the meaning assigned to such term in <U>Section 2.12(a)(iii)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Restricted</B>&rdquo;
shall mean, when referring to cash or Cash Equivalents of Parent or any Subsidiary, that such cash or Cash Equivalents (i) appears
(or would be required to appear) as &ldquo;restricted&rdquo; on a consolidated balance sheet of Parent or of any such Subsidiary
(unless such appearance is related to Liens on the Collateral securing Indebtedness permitted hereunder to be secured by Liens
on the Collateral), or (ii) are subject to any Lien in favor of any Person other than the Collateral Agent for the benefit of the
Secured Creditors (other than Liens of the type permitted by <U>Section 6.01(l)</U>).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Restricted
Payment</B>&rdquo; shall mean (a) any dividend or other distribution or return of capital, direct or indirect (whether in cash,
Securities or other property), on account of any shares of any class of Equity Interests (each a &ldquo;<B>Dividend</B>&rdquo;)
of Parent, the Borrower or any of their respective Subsidiaries now or hereafter existing and (b) any payment, direct or indirect
(whether in cash, Securities or other property), including any sinking fund, setting aside of funds or similar deposit, on account
of the purchase, redemption, retirement, surrender, acquisition, cancellation or termination&nbsp;of any shares of any class of
Equity Interests of Parent, the Borrower or any of their respective Subsidiaries now or hereafter existing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>S&amp;P</B>&rdquo;
shall mean S&amp;P Global Ratings, an S&amp;P Global business, or any successor thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Sanctioned
Person</B>&rdquo; means at any time any Person: (a) listed on any Sanctions-related list of designated or blocked persons; (b)
resident in or organized under the laws of a country or territory that is the subject of comprehensive restrictive Sanctions from
time to time (as of the date of this Agreement, Cuba, Iran, North Korea, Syria, and the Crimea region); or (c) majority-owned or
controlled by any of the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Sanctions</B>&rdquo;
means all economic or financial sanctions or trade embargoes imposed, administered or enforced from time to time by (a) the United
States (including without limitation the Office of Foreign Assets Control of the U.S. Department of the Treasury or the U.S. Department
of State), (b) the European Union and enforced by its member states, (c) the United Nations, or (d) Her Majesty&rsquo;s Treasury.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>SEC</B>&rdquo;
shall have the meaning assigned to such term in <U>Section&nbsp;5.01(f)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Secured Creditors</B>&rdquo;
shall mean the Administrative Agent and the Lenders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Securities</B>&rdquo;
shall mean any stock, shares, partnership interests, voting trust certificates, certificates of interest or participation in any
profit-sharing agreement or arrangement, options, warrants, bonds, debentures, notes, or other evidences of indebtedness, secured
or unsecured, convertible, subordinated or otherwise, or in general any instruments commonly known as &ldquo;securities&rdquo;
or any certificates of interest, shares or participations in temporary or interim certificates for the purchase or acquisition
of, or any right to subscribe to, purchase or acquire, any of the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Securitization</B>&rdquo;
shall mean a public or private term note or term certificate financing of Permitted Funding Assets by which the Parent or a Subsidiary
of the Parent directly or indirectly (whether as a sponsor, distributor or otherwise) securitizes a pool of specified Permitted
Funding Assets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Securitization
Entity</B>&rdquo; shall mean (a) any Person (whether or not a Subsidiary of the Borrower but which shall not be a direct Subsidiary
of Parent) established for the purpose of issuing asset-backed or mortgaged-backed or mortgage pass-through securities of any kind,
and (b) any special purpose Subsidiary established solely for the purpose of selling, depositing or contributing Permitted Funding
Assets into a Person described in <U>clause (a)</U> or holding securities in any related Securitization Entity, regardless of whether
such person is an issuer of securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Securitization
Indebtedness</B>&rdquo; shall mean, for any Securitization, Indebtedness of the Securitization Entity incurred in connection with
such Securitization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Security
Document</B>&rdquo; shall mean and include the Pledge Agreement and, after the execution and delivery thereof, each Additional
Pledge Document.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Special Redemption
Premium</B>&rdquo; shall have the meaning assigned to such term in <U>Section&nbsp;2.05(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Specified
Subsidiaries&rdquo; </B>shall mean Crimson Residential Assets Corp. and Cardinal Residential Asset Corp.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>SPV</B>&rdquo;
shall have the meaning assigned to such term in <U>Section&nbsp;9.04(i)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Subsidiary</B>&rdquo;
shall mean, as to any Person, (a) any corporation more than 50% of whose stock of any class or classes having by the terms thereof
ordinary voting power to elect a majority of the directors of such corporation (irrespective of whether or not at the time stock
of any class or classes of such corporation shall have or might have voting power by reason of the happening of any contingency)
is at the time owned by such Person and/or one (1) or more Subsidiaries of such Person and (b) any partnership, limited liability
company, association or other entity in which such Person and/or one (1) or more Subsidiaries of such Person has more than a 50%
equity interest at the time. Unless otherwise qualified, all references to a &ldquo;Subsidiary&rdquo; or to &ldquo;Subsidiaries&rdquo;
in this Agreement shall refer to a Subsidiary or Subsidiaries of Parent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Subsidiary
Guarantor</B>&rdquo; shall mean each Subsidiary (other than the Excluded Subsidiaries) (in each case, whether existing on the Closing
Date or established, created or acquired after the Closing Date), unless and until such time as the respective Subsidiary is released
from all of its obligations under the Guaranty in accordance with the terms and provisions thereof. As of the Closing Date, Subsidiary
Guarantors are listed on <U>Schedule 1.01</U> (the Subsidiaries listed on <U>Schedule 1.01</U>, the &ldquo;<B>Closing Date Subsidiary
Guarantors</B>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Swap Termination
Value</B>&rdquo; means, in respect of any one or more Interest Rate Protection Agreement or Permitted Credit Default Swap, (a)
for any date on or after the date such Interest Rate Protection Agreements or Permitted Credit Default Swaps have been closed out
and termination value(s) determined in accordance therewith, such termination value(s) and (b) for any date prior to the date referenced
in clause (a), the amount(s) determined as the mark-to-market value(s) for such Interest Rate Protection Agreements or Permitted
Credit Default Swaps, as determined by the Borrower based upon one or more mid-market or other readily available quotations provided
by any recognized dealer in such agreements (which may include any Lender).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Tax Return</B>&rdquo;
means any return, report or similar statement required to be filed or sent with respect to any Tax (including any attached schedules),
including any information return, claim for refund, amended return or declaration of estimated Tax.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Taxes</B>&rdquo;
shall mean any and all present or future taxes, levies, imposts, duties, deductions, withholdings (including backup withholding),
assessments, fees or other charges imposed by any Governmental Authority, including any interest, additions to tax or penalties
applicable thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Termination
Date</B>&rdquo; shall have the meaning assigned to such term in <U>Article 5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Third Forbearance
Agreement</B>&rdquo; shall mean the Third Forbearance Agreement, dated as of June 1, 2020, among Parent, certain Subsidiaries of
the Borrower and certain Repo Providers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Total Assets</B>&rdquo;
shall mean, for any Person and as of any date of determination, an amount equal to the aggregate Market Value of all assets owned
by such Person and its Subsidiaries on a consolidated basis and the proportionate share of assets owned by non-consolidated Subsidiaries
of such Person, <I>less</I> Intangible Assets as determined in accordance with GAAP.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Total Indebtedness</B>&rdquo;
shall mean, for any Person and its Subsidiaries on a consolidated basis, as of any date of determination, the sum of (i) the aggregate
Indebtedness (and guarantees thereof) referred to in <U>clauses (a)</U>, <U>(b)</U>, <U>(c)</U> and <U>(g)</U> of the definition
of &ldquo;Indebtedness&rdquo; (other than contingent liabilities not reflected on such Person&rsquo;s consolidated balance sheet)
of such Person, (ii) all Contingent Obligations of such Person in respect of Indebtedness of the type described in <U>clause (i)</U>,
(iii) letters of credit to the extent non-contingent and actually drawn and (iv) the proportionate share of all Indebtedness (other
than contingent liabilities not reflected on such Person&rsquo;s consolidated balance sheet) of all non-consolidated Subsidiaries
of such Person as of such date, all on or as of such date and determined in accordance with GAAP.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Transactions</B>&rdquo;
shall mean, collectively, (a) the execution, delivery and performance by the Credit Parties of the Credit Documents to which they
are a party and the making of the Loans hereunder, (b) the use of the proceeds of the Loans as required by <U>Section&nbsp;5.11</U>,
(c) the closing and funding of the Asset Level Term Loan, (d) the closing of the Investments Agreement and the consummation of
the transactions contemplated therein and (e) the payment of related fees and expenses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Treasury
Rate</B>&rdquo; means the yield to maturity at the time of computation of U.S. Treasury securities with a constant maturity (as
compiled and published in the most recent Federal Reserve Statistical Release H.15 (519) that has become publicly available at
least two (2) Business Days prior to the applicable prepayment date (or, if such Statistical Release is no longer published, any
publicly available source or similar market data)) most nearly equal to the period from such prepayment date to the Maturity Date;
<I>provided, however</I>, that if the period from such prepayment date to the Maturity Date is not equal to the constant maturity
of a U.S. Treasury security for which a weekly average yield is given, the Treasury Rate shall be obtained by linear interpolation
(calculated to the nearest one-twelfth of a year) from the weekly average yields of U.S. Treasury securities for which such yields
are given, except that if the period from such prepayment date to the Maturity Date is less than one (1) year, the weekly average
yield on actually traded U.S. Treasury securities adjusted to a constant maturity of one (1) year shall be used.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>UCC</B>&rdquo;
shall mean the Uniform Commercial Code as from time to time in effect in the relevant jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>UK Financial
Institution</B>&rdquo; shall mean any BRRD Undertaking (as such term is defined under the PRA Rulebook (as amended form time to
time) promulgated by the United Kingdom Prudential Regulation Authority) or any person falling within IFPRU 11.6 of the FCA Handbook
(as amended from time to time) promulgated by the United Kingdom Financial Conduct Authority, which includes certain credit institutions
and investment firms, and certain affiliates of such credit institutions or investment firms.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>UK Resolution
Authority</B>&rdquo; shall mean the Bank of England or any other public administrative authority having responsibility for the
resolution of any UK Financial Institution.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>United States</B>&rdquo;
and &ldquo;<B>U.S.</B>&rdquo; shall each mean the United States of America.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Unrestricted</B>&rdquo;
shall mean, when referring to cash or Cash Equivalents of Parent or any Subsidiary, that such cash or Cash Equivalents are not
Restricted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>USA PATRIOT
Act</B>&rdquo; shall mean The Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct
Terrorism Act of 2001 (Title III of Pub. L. No. 107-56 (signed into law October 26, 2001)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Wholly Owned
Domestic Subsidiary</B>&rdquo; shall mean, as to any Person, any Wholly Owned Subsidiary of such Person which is a Domestic Subsidiary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Wholly Owned
Subsidiary</B>&rdquo; shall mean, as to any Person, (a) any corporation 100% of whose capital stock is at the time owned by such
Person and/or one (1) or more Wholly Owned Subsidiaries of such Person, and (b) any partnership, limited liability company, association,
joint venture or other entity in which such Person and/or one (1) or more Wholly Owned Subsidiaries of such Person has a 100%
equity interest at such time (other than, in the case of a Foreign Subsidiary of the Borrower with respect to the preceding <U>clauses</U>&nbsp;&nbsp;<U>(a)
</U>and <U>(b)</U>, director&rsquo;s qualifying shares and/or other nominal amount of shares required to be held by Persons other
than the Borrower and its Subsidiaries under applicable law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Withdrawal
Liability</B>&rdquo; shall mean liability to a Multiemployer Plan as a result of a complete or partial withdrawal by any Credit
Party, any other Subsidiary of the Borrower or an ERISA Affiliate from such Multiemployer Plan, as such terms are defined in Part
1 of Subtitle E of Title IV of ERISA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B>Write-Down
and Conversion Powers</B>&rdquo; shall mean, (a) with respect to any EEA Resolution Authority, the write-down and conversion powers
of such EEA Resolution Authority from time to time under the Bail-In Legislation for the applicable EEA Member Country, which write-down
and conversion powers are described in the EU Bail-In Legislation Schedule and (b) with respect to the United Kingdom, any powers
of the applicable Resolution Authority under the Bail-In Legislation to cancel, reduce, modify or change the form of a liability
of any UK Financial Institution or any contract or instrument under which that liability arises, to convert all or part of that
liability into shares, securities or obligations of that Person or any other Person, to provide that any such contract or instrument
is to have effect as if a right had been exercised under it or to suspend any obligation in respect of that liability or any of
the powers under that Bail-In Legislation that are related to or ancillary to any of those powers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 1.02<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Terms Generally</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The definitions in <U>Section&nbsp;1.01</U> shall apply equally to both the singular and plural forms of the terms defined.
Whenever the context may require, any pronoun shall include the corresponding masculine, feminine and neuter forms. The words &ldquo;include&rdquo;,
 &ldquo;includes&rdquo; and &ldquo;including&rdquo; shall be deemed to be followed by the phrase &ldquo;without limitation&rdquo;.
The word &ldquo;will&rdquo; shall be construed to have the same meaning and effect as the word &ldquo;shall&rdquo;; and the words
 &ldquo;asset&rdquo; and &ldquo;property&rdquo; shall be construed as having the same meaning and effect and to refer to any and
all tangible and intangible assets and properties, including cash, securities, accounts and contract rights. All references herein
to Articles, Sections, Exhibits and Schedules shall be deemed references to Articles and Sections of, and Exhibits and Schedules
to, this Agreement unless the context shall otherwise require. Except as otherwise expressly provided herein, (a) any reference
in this Agreement to any Credit Document shall mean such document as amended, restated, supplemented or otherwise modified from
time to time, in each case, in accordance with the express terms of this Agreement, (b) any reference to any law shall include
all statutory and regulatory provisions consolidating, amending, replacing or interpreting such law and any reference to any law
or regulation shall, unless otherwise specified, refer to such law or regulation as amended, modified or supplemented from time
to time and (c) all terms of an accounting or financial nature shall be construed in accordance with GAAP as in effect from time
to time; <I>provided</I> that if the Borrower notifies the Administrative Agent that the Borrower wishes to amend any covenant
in <U>Article 6</U> or any related definition to eliminate the effect of any change in GAAP occurring after the Closing Date on
the operation of such covenant (or if the Administrative Agent notifies the Borrower that the Required Lenders wish to amend <U>Article
6</U> or any related definition for such purpose), then the Borrower&rsquo;s compliance with such covenant shall be determined
on the basis of GAAP in effect immediately before the relevant change in GAAP became effective, until either such notice is withdrawn
or such covenant is amended in a manner satisfactory to the Borrower and the Required Lenders. Notwithstanding anything to the
contrary contained herein, all financial covenants contained herein or in any other Credit Document shall be calculated without
giving effect to (x)&nbsp;any election under Accounting Standards Codification 825-7-25 or 470-20 (or any similar accounting principle)
permitting a Person to value its financial liabilities at the fair value thereof or at any amount other than the outstanding principal
amount thereof or (y) the adoption of Accounting Standards Codification 842, also referred to as Accounting Standards Update No.
2016-02 by the Financial Accounting Standards Board in February 2016 (&ldquo;ASU 2016-02&rdquo;) (or any similar accounting principal)
such that &ldquo;Capital Lease Obligations&rdquo; shall specifically exclude liabilities that were considered operating lease liabilities
under GAAP prior to the adoption of ASU 2016-02, notwithstanding any modifications or interpretive changes thereto that may occur
thereafter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The words &ldquo;execution,&rdquo; &ldquo;signed,&rdquo; &ldquo;signature,&rdquo; and words of like import in any Credit
Document or any agreement entered into in connection therewith, including any Assignment and Assumption, or any notice, certificate
or other instrument delivered in connection therewith shall be deemed to include electronic signatures or the keeping of records
in electronic form, each of which shall be of the same legal effect, validity or enforceability as a manually executed signature
or the use of a paper-based recordkeeping system, as the case may be, to the extent and as provided for in any applicable law,
including the Federal Electronic Signatures in Global and National Commerce Act, the New York State Electronic Signatures and Records
Act, or any other similar state laws based on the Uniform Electronic Transactions Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 1.03<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Designated Senior Indebtedness</I>. The Obligations hereunder are hereby designated by the Borrower as &ldquo;Designated
Senior Indebtedness&rdquo; (or similar term) for all purposes of any subordinated indebtedness of the Borrower or any Subsidiary
(if any).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">ARTICLE
2<BR>
THE CREDITS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.01<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Commitments</I>. Subject to the terms and conditions set forth herein (a) each Initial Lender agrees to make a Loan to
the Borrower in Dollars on the Closing Date (so long as the Closing Date occurs on or prior to the Commitment Termination Date)
and (b) the Borrower agrees to borrow the Loan in an amount not less than the full Commitment (it being understood that, if a Lender
does not fund its portion of the Loan, the Borrower shall not be in breach of this <U>clause (b)</U> in respect of its obligation
to borrow the portion of the Loan being provided by such Lender). Amounts paid or prepaid in respect of the Loans may not be reborrowed.
The Commitment shall terminate immediately and without further action on the Closing Date, after giving effect to the funding of
the Loan on such date, or, if the Closing Date has not occurred on or prior to the Commitment Termination Date, the Commitment
shall terminate immediately and without further action.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.02<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Several Obligations</I>. The Loans made pursuant to <U>Section 2.01</U> shall be made by the applicable Initial Lenders
ratably in accordance with their respective Commitments. The failure of any Initial Lender to make any Loan required to be made
by it shall not relieve any other Initial Lender of its obligations hereunder; <I>provided</I> that the Commitments are several
and no Initial Lender shall be responsible for any other Initial Lender&rsquo;s failure to make Loans as required.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.03<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Borrowing Mechanics</I>. Unless otherwise approved by the Initial Lenders, to request the borrowing of Loans pursuant
to <U>Section 2.01</U> on the Closing Date, the Borrower shall notify the Administrative Agent and the Initial Lenders of such
request by delivering a duly completed written Borrowing Request in substantially the form of <U>Exhibit&nbsp;C</U> signed by an
Authorized Officer, not later than 12:00&nbsp;p.m., New York time, one (1) Business Day prior to the Closing Date. Such Borrowing
Request shall be irrevocable (<I>provided</I> that such notice may be conditioned upon other transactions that constitute conditions
under <U>Section 4.02</U>, in which case, such notice may be revoked or extended if such transactions are not consummated or are
delayed) and shall specify the location and number of the Borrower&rsquo;s account to which funds are to be disbursed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Each Initial Lender shall make its share
of the Loan available upon satisfaction or waiver of the conditions precedent specified herein, to the Borrower on the Closing
Date in same day funds in Dollars, such funds to be credited to the account of the Borrower or to such other account or accounts
as may be designated in writing to the Lenders by the Borrower, in compliance with this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.04<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Evidence of Debt; Repayment of Loans</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Borrower hereby unconditionally promises to pay to the Administrative Agent for the account of each Lender the principal
amount of each Loan of such Lender as provided in <U>Section&nbsp;2.09</U> and <U>Section&nbsp;2.11</U>. The Borrower hereby further
agrees to pay the amounts of interest payable on the Loans made to the Borrower from time to time outstanding from the Closing
Date until payment in full thereof at the rates per annum, and on the dates, set forth in <U>Section&nbsp;2.06</U> and <U>Section&nbsp;2.07</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Lender shall maintain in accordance with its usual practice an account or accounts evidencing the indebtedness of the
Borrower to such Lender resulting from each Loan made by such Lender from time to time, including the amounts of principal and
interest payable and paid to such Lender from time to time under this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Administrative Agent shall maintain accounts in which it will record (i) the amount of each Loan made hereunder, (ii)
the amount of any principal or interest due and payable or to become due and payable from the Borrower to each Lender hereunder
and (iii) the amount of any sum received by the Administrative Agent hereunder from the Borrower or any Guarantor and each Lender&rsquo;s
share thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The entries made in the accounts maintained pursuant to clauses (b) and (c) above shall be prima facie evidence of the existence
and amounts of the obligations therein recorded; <I>provided</I> that the failure of any Lender or the Administrative Agent to
maintain such accounts or any error therein shall not in any manner affect the obligations of the Borrower to repay the Loans in
accordance with their terms.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Any Lender may request that Loans made by it hereunder be evidenced by a promissory note. In such event, the Borrower shall
execute and deliver to such Lender a promissory note payable to such Lender and its registered assigns and in a form and substance
reasonably acceptable to such Lender and the Borrower.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.05<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Fees</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Borrower agrees to pay to the Initial Lenders, an upfront fee equal to 1.00% of the stated principal amount of the Loans
made on the Closing Date pursuant to <U>Section 2.01</U>, with such payment to be earned by, and payable to, the Initial Lenders
on the Closing Date. The Loans may be net funded on the Closing Date to account for the fees under this <U>Section&nbsp;2.05(a)</U>
and the Borrower and Lenders agree that such fee is intended to be &ldquo;original issue discount&rdquo; for U.S. federal income
tax purposes, consistent with <U>Section&nbsp;5.10(b)</U> of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Upon the occurrence of a Change of Control, the Borrower agrees to pay to the Administrative Agent, for the ratable benefit
of each Lender, a redemption premium (the &ldquo;<B>Special Redemption Premium</B>&rdquo;) equal to (i) 1.00% of the aggregate
principal amount of Loans immediately outstanding prior to the occurrence of such Change of Control plus (ii) an additional amount
necessary to ensure that each Lender (assuming that each Lender has held its Loans from the Closing Date through and including
the date of such Change of Control) has received a minimum return on its investment in the Loans in an amount equal to the product
of (A) 0.12 multiplied by (B) the remainder of (x) the initial aggregate stated principal amount of such Loans (not giving effect
to any amortization payments or other prepayments or increases in the principal amount of the Loans due to PIK Interest) <U>less</U>
(y) 1.0% to account for the fee paid pursuant to <U>Section 2.05(a)</U> above (which calculation shall take into account all interest
paid in respect of such Loans since the Closing Date (other than PIK Interest or interest accruing in respect of PIK Interest)
or that will be paid on the date such redemption premium is paid), which Special Redemption Premium shall be payable (x) in accordance
with the Change of Control Offer provisions of <U>Section 2.12</U> or (y) if the Borrower has failed to comply with <U>Section
2.12</U> with respect to such Change of Control, immediately upon such failure. The Special Redemption Premium shall be calculated
by the Administrative Agent (or its designee, which may be a Lender).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Borrower agrees to pay to the Administrative Agent and the Collateral Agent, for their own account, the administrative
fees set forth in the Agent Fee Letter at the times and in the amounts specified therein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT>All
fees referenced in <U>clauses</U> &nbsp;<U> (b)</U> and <U>(c)</U> above shall be in immediately available funds and, once paid,
shall not be refundable under any circumstances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.06<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Interest on Loans</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Subject to <U>Section&nbsp;2.07</U>, the Loans shall bear interest (computed on the basis of the actual number of days elapsed
over a year of 365 or 366 days, as the case may be, at all times and calculated from and including the date of such borrowing to
but excluding the date of repayment thereof) at a rate per annum equal to the Applicable Rate. All calculations of interest under
this Agreement shall be performed by the Administrative Agent or its designee (which may be a Lender) and such calculations shall
be conclusive evidence, absent manifest error, of the correctness of such amount.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Interest on each Loan shall be payable in arrears in cash on each Quarterly Payment Date; <I>provided</I> that, at the election
of the Borrower (a &ldquo;<B>PIK Election</B>&rdquo;) pursuant to <U>Section&nbsp;2.08</U> for any Quarterly Payment Date occurring
on or prior to the third anniversary of the Closing Date, a portion of the accrued interest on the Loans payable on each such Quarterly
Payment Date in an amount up to, but not exceeding, 3.00% per annum shall be capitalized, compounded and added to the unpaid principal
amount of the Loans of each Lender on the applicable Quarterly Payment Date (the &ldquo;<B>PIK Interest</B>&rdquo;), in which case,
the remaining portion of interest then due on the Loans shall be payable in cash (the &ldquo;<B>Cash Interest</B>&rdquo;). Except
for the purposes of calculating the Special Redemption Premium, amounts representing PIK Interest shall be treated as Loans for
all purposes of this Agreement and shall bear interest at the Applicable Rate in accordance with this <U>Section&nbsp;2.06</U>.
All interest shall accrue to, not including, the date of repayment or prepayment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.07<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Default Interest</I>. If there shall have occurred and be continuing an Event of Default hereunder or if any Lender shall
have made a Protective Advance hereunder, to the extent permitted by law (x)&nbsp;all Loans and (y)&nbsp;other overdue amounts
outstanding under this Agreement, in each case, shall bear interest (after as well as before judgment), (a) in the case of principal,
at the rate otherwise applicable to such Loan pursuant to <U>Section&nbsp;2.06</U> plus 2.00% per annum and (b) in all other cases,
at a rate per annum (computed on the basis of the actual number of days elapsed over a year of 365 or 366 days, as the case may
be, at all times) equal to the rate that would be applicable to a Loan plus 2.00% per annum. All interest accrued under this <U>Section&nbsp;2.07</U>
shall be payable upon demand in cash.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.08<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Election of PIK Interest</I>. With respect to any accrued interest payable on any Quarterly Payment Date occurring on
or prior to the third anniversary of the Closing Date, the Borrower shall have the right to make a PIK Election upon prior irrevocable
written notice to the Administrative Agent not later than 4:00 p.m., New York City time, three (3) Business Day prior to such Quarterly
Payment Date by delivering a Payment Election Notice. If the Borrower does not deliver a Payment Election Notice to the Administrative
Agent in a timely manner with respect to any Quarterly Payment Date or such Payment Election Notice does not indicate the portion
of Interest to be paid as PIK Interest, the Borrower shall be deemed to have elected to pay all interest due on such Quarterly
Payment Date in cash.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.09<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Repayment of Term Borrowings</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Subject to <U>Section&nbsp;2.09(c)</U>, the Borrower shall pay to the Administrative Agent, for the account of the Lenders,
on each Quarterly Payment Date, quarterly installments in cash equal to the amounts listed below (which installments shall be reduced
as a result of the application of prepayments as specified in <U>Section&nbsp;2.11</U> or increased by the amount of any deferred
payment as provided in <U>Section&nbsp;2.09(c)</U>) as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 90%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif">Quarterly Payment Date</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid">Principal Amount</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 87%; font-size: 10pt">September 2020</TD><TD STYLE="width: 1%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">$</TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right">18,750,000.00</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt">December 2020</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">18,750,000.00</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt">March 2021</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">18,750,000.00</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt">June 2021</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">18,750,000.00</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt">September 2021</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">18,750,000.00</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt">December 2021</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">18,750,000.00</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt">March 2022</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">18,750,000.00</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt">June 2022</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">18,750,000.00</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt">September 2022</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">18,750,000.00</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt">December 2022</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">18,750,000.00</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt">March 2023</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">18,750,000.00</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt">June 2023</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">18,750,000.00</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left">each March, June, September and December thereafter</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">22,500,000.00</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each payment pursuant to this <U>Section&nbsp;2.09</U> shall be made together with accrued and unpaid interest on the principal
amount to be paid to but excluding the date of such payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>At the election of the Borrower, if after making the payment required by <U>Section&nbsp;2.09(a)</U> on any Quarterly Payment
Date the Borrower would not be compliance with <U>Section&nbsp;6.15</U>, the Borrower may defer the payment required pursuant to
<U>Section&nbsp;2.09(a)</U> in the amount necessary (and only such amount necessary) to ensure compliance with <U>Section&nbsp;6.15</U>
in which case such deferred amount shall be payable on the next Quarterly Payment Date. In connection with any deferral election
made under this <U>Section&nbsp;2.09(c)</U>, the Borrower shall have delivered to the Administrative Agent a Payment Election Notice
not later than 12:00 (noon), New York City time, five (5) Business Days prior to the applicable Quarterly Payment Date. If the
Borrower does not deliver a Payment Election Notice to the Administrative Agent in a timely manner with respect to any Quarterly
Payment Date or such Payment Election Notice does not indicate the portion of the payment pursuant to this <U>Section 2.09(a)</U>
that is to be deferred or does not include the calculation of the covenant set forth in <U>Section 6.15</U>, the Borrower shall
be deemed to have not deferred any amount of the payment otherwise due under this <U>Section&nbsp;2.09</U> on such Quarterly Payment
Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>To the extent not previously paid, all Loans shall be due and payable on the Maturity Date in cash, together with accrued
and unpaid interest on the principal amount to be paid to but excluding the date of payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>All repayments pursuant to this <U>Section&nbsp;2.09</U> shall be without premium or penalty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.10<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Voluntary Prepayment</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Borrower shall have the right to prepay the Loans in its discretion at any time or from time to time upon at least one
(1) Business Day prior written notice to the Administrative Agent before 1:00 p.m., New York time, which prepayment shall be made
at par, without the payment of any penalty or premium, for any prepayment (x) in whole (whether the full initial amount of the
Loan or the remaining outstanding portion after giving effect to other payments and other adjustments), (y) in part on one (1)
occasion prior to the Maturity Date in an amount that is not less than $250,000,000 or (z) in connection with the incurrence of
Indebtedness by the Borrower under <U>Section&nbsp;6.04(d)</U>, made to the extent necessary (and only to the extent necessary)
to ensure compliance with such <U>Section&nbsp;6.04(d)</U> (in which case, the Borrower shall have delivered to the Administrative
Agent a certificate executed by an Authorized Officer demonstrating the foregoing, including a calculation of compliance with such
<U>Section&nbsp;6.04(d)</U> before and after giving effect to the incurrence of such Indebtedness); <I>provided</I> that any prepayment
in circumstances not described in this <U>Section 2.10(a)</U> shall be subject to the Make Whole Premium.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Voluntary prepayments of Loans shall be applied against the remaining scheduled installments of principal due in respect
of the Loans under <U>Section&nbsp;2.09(a)</U> in the direct order of maturity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each notice of prepayment shall specify the prepayment date and the principal amount of the Loans (or portion thereof) and
the accrued and unpaid interest on such principal amount of the Loans to be prepaid, shall be irrevocable and shall commit the
Borrower to prepay the Loans in the amount stated therein on the date stated therein; <I>provided </I>that the Borrower may provide
that such notice is conditioned upon the occurrence of one (1) or more other transactions, in which case, such notice may be revoked
or extended if such transactions are not consummated or are delayed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>All prepayments under this <U>Section&nbsp;2.10</U> shall be accompanied by accrued and unpaid interest on the principal
amount to be prepaid to but excluding the date of payment, payable in cash.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.11<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Mandatory Prepayments</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>In addition to any other mandatory repayments pursuant to this <U>Section&nbsp;2.11</U>, on each date on or after the Closing
Date upon which the Credit Parties or any of their Subsidiaries receives any Net Cash Proceeds from any issuance or incurrence
by the Borrower or any Subsidiary of Indebtedness (other than Indebtedness permitted to be incurred pursuant to <U>Section&nbsp;6.04</U>),
an amount equal to 100% of such Net Cash Proceeds shall be applied on such date as a mandatory repayment in accordance with the
requirements of <U>Section&nbsp;2.11(c)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>In addition to any other mandatory repayments pursuant to this <U>Section&nbsp;2.11</U>, after giving effect to and subject
to any mandatory prepayments required under any Permitted Funding Indebtedness and the Asset Level Term Loan, within five (5) Business
Days following each date on or after the Closing Date upon which the Credit Parties or any of their Subsidiaries receives any Net
Cash Proceeds from any Recovery Event (other than individual Recovery Events where the Net Cash Proceeds therefrom do not exceed
$10,000,000), an amount equal to 100% of such Net Cash Proceeds shall be applied on such date as a mandatory repayment in accordance
with the requirements of <U>Section&nbsp;2.11(c)</U>; <I>provided</I> that no such prepayment shall be required pursuant to this
<U>Section 2.11(b)</U> with respect to such portion of such Net Cash Proceeds that Parent or any Subsidiary intends to reinvest
or that has been reinvested, in each case, in accordance with <U>Section 2.11(e)</U>; <I>provided further</I>, that such proceeds
shall not constitute Net Cash Proceeds except to the extent not so used at the end of such period, at which time such proceeds
shall be deemed to be Net Cash Proceeds.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each amount required to be applied pursuant to <U>Section&nbsp;2.11(a)</U> or <U>Section&nbsp;2.11(b)</U> in accordance
with this <U>Section&nbsp;2.11(c)</U> shall be applied pro rata according to the respective outstanding principal amounts of the
Loans then held by the Lenders. Each such prepayment of the Loans shall be applied in inverse order of maturity against the remaining
scheduled installments of principal due in respect of the Loans under <U>Section&nbsp;2.09(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Borrower shall deliver to the Administrative Agent, if practicable, at least three (3) Business Days prior to each prepayment
required under this <U>Section 2.11</U> but in any event not later than the date and time of each prepayment required under this
<U>Section&nbsp;2.11</U>, a certificate signed by an Authorized Officer of the Borrower setting forth in reasonable detail the
calculation of the amount of such prepayment. Each notice of prepayment shall specify the prepayment date, and the principal amount
of the Loans (or portion thereof) to be prepaid. All prepayments of Loans pursuant to <U>Section&nbsp;2.11(a)</U> and <U>Section
2.11(b)</U> shall be without premium or penalty and shall be accompanied by accrued and unpaid interest on the principal amount
to be prepaid to but excluding, the date of payment; <I>provided</I> that any prepayment that is made pursuant to <U>Section&nbsp;2.11(a)</U>
in circumstances not described under <U>Section&nbsp;2.10(a)</U> shall be subject to the Make Whole Premium.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>With respect to any Net Cash Proceeds received with respect to any Recovery Event, the Borrower or any Subsidiary may reinvest
all or any portion of such Net Cash Proceeds in its business (including in Investments not prohibited hereby) prior to the date
that is the later of (i) 180 days following receipt of such Net Cash Proceeds or (ii) if the Borrower or any Subsidiary enters
into a legally binding commitment to reinvest such Net Cash Proceeds within 180 days following receipt thereof, 360 days following
receipt thereof; <I>provided</I> that if any Net Cash Proceeds are not reinvested by the deadline specified this <U>Section 2.11(e)</U>,
an amount equal to such Net Cash Proceeds shall be applied to the prepayment of the Loans as set forth in <U>Section 2.11(b)</U>;
<I>provided further</I>, that such proceeds shall not constitute Net Cash Proceeds except to the extent not so used at the end
of such period, at which time such proceeds shall be deemed to be Net Cash Proceeds.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></FONT>On each quarterly Payment Date ending on or after the fifth anniversary of the Closing Date, the Borrower shall make
a mandatory prepayment for cash of a portion of such Loan outstanding at such time at par plus any accrued interest thereon as
shall be necessary to ensure that the Loan shall not be considered an applicable high yield discount obligation within the meaning
of Section 163(i) of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.12<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Offer to Repurchase Upon Change of Control</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Upon the occurrence of a Change of Control following the Closing Date, the Borrower will make an offer (a <I>&ldquo;</I><B>Change
of Control Offer</B><I>&rdquo;</I>) to each Lender to repay 100% of such Lender&rsquo;s outstanding Loans at par, <U>plus</U> the
Special Redemption Premium that is due and payable in accordance with <U>Section&nbsp;2.05(b)</U>, <U>plus</U> accrued and unpaid
interest, if any, on such outstanding Loans (the <I>&ldquo;</I><B>Change of Control Payment</B><I>&rdquo;</I>) within five (5)
Business Days following the occurrence of such Change of Control by delivering a notice signed by an Authorized Officer of the
Borrower to the Administrative Agent describing the transaction or transactions that constitute such Change of Control and stating:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>that the Change of Control Offer is being made pursuant to this <U>Section&nbsp;2.12</U>;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the amount of the Change of Control Payment (including reasonably detailed calculations thereof) and the proposed date of
payment, which shall be no later than five (5) Business Days after the date of delivering such notice (the &ldquo;<B>Change of
Control Payment Date</B>&rdquo;); and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>that each Lender may, at its option, accept such offer for repayment in whole or in part by notifying the Administrative
Agent, which shall in turn notify the Borrower, no later than one (1) Business Day prior to the Change of Control Payment Date
(such date, the &ldquo;<B>Response Date</B>&rdquo;) (it being understood and agreed that any Lender that does not accept such Change
of Control Offer prior to 4:00 p.m., New York time, on the Response Date will be deemed to have declined such Change of Control
Offer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>On the Change of Control Payment Date, the Borrower will pay in immediately available funds to the Administrative Agent,
for the account of each Lender having accepted such offer, an amount equal to the Change of Control Payment payable in respect
of all Loans for which such offer has been accepted.&nbsp; The Borrower will deliver a notice to the Administrative Agent, for
distribution to the Lenders, disclosing the results of the Change of Control Offer on or as soon as practicable after the Change
of Control Payment Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding anything to the contrary in this <U>Section&nbsp;2.12</U>, the Borrower will not be required to make a Change
of Control Offer upon a Change of Control if a third party makes the Change of Control Offer in the manner, at the times and which
otherwise complies with the requirements set forth in this <U>Section&nbsp;2.12</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.13<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Reserve Requirements; Change in Circumstances</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding any other provision of this Agreement, if any Change in Law shall impose, modify or deem applicable any
reserve, special deposit or similar requirement against assets of, deposits with or for the account of or credit extended by any
Lender, shall subject a Lender to any Taxes (other than Indemnified Taxes and Excluded Taxes) on its loans, loan principal, commitments
or other obligations, or on its deposits, reserves, other liabilities or capital attributable thereto, and the result of any of
the foregoing shall be to increase the cost to such Lender of making or maintaining any Loan or to reduce the amount of any sum
received or receivable by such Lender hereunder (whether of principal, interest or otherwise) by an amount deemed by such Lender
to be material, then the Borrower will pay to such Lender upon demand such additional amount or amounts as will compensate such
Lender for such additional costs incurred or reduction suffered.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>If any Lender shall have determined that any Change in Law regarding capital adequacy has or would have the effect of reducing
the rate of return on such Lender&rsquo;s capital or on the capital of such Lender&rsquo;s holding company, if any, as a consequence
of this Agreement or the Loans made to a level below that which such Lender or such Lender&rsquo;s holding company could have achieved
but for such Change in Law (taking into consideration such Lender&rsquo;s policies and the policies of such Lender&rsquo;s holding
company with respect to capital adequacy) by an amount deemed by such Lender to be material, then from time to time the Borrower
shall pay to such Lender such additional amount or amounts as will compensate such Lender or such Lender&rsquo;s holding company
for any such reduction suffered.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>A certificate of a Lender setting forth the amount or amounts necessary to compensate such Lender or its holding company,
as applicable, as specified in <U>clause (a)</U> above shall be delivered to the Borrower and shall be conclusive absent manifest
error. The Borrower shall pay such Lender the amount shown as due on any such certificate delivered by it within 10 days after
its receipt of the same.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Failure or delay on the part of any Lender to demand compensation for any increased costs or reduction in amounts received
or receivable or reduction in return on capital shall not constitute a waiver of such Lender&rsquo;s right to demand such compensation.
The protection of this <U>Section&nbsp;2.13(d)</U> shall be available to each Lender regardless of any possible contention of the
invalidity or inapplicability of the Change in Law that shall have occurred or been imposed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.14<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Pro Rata Treatment</I>. Subject to the express provisions of this Agreement which require, or permit, differing payments
to be made to Non-Defaulting Lenders as opposed to Defaulting Lenders, and the provisions of <U>Section 2.12</U> and <U>Section
2.20</U>, each Loan, each payment or prepayment of principal of any Loan, each payment of interest on the Loans, and each other
payment received by any Lender by exercising any right of setoff, counterclaim or otherwise shall be allocated pro rata among the
Lenders in accordance with their respective principal amounts of their outstanding Loans. Each Lender agrees that in computing
such Lender&rsquo;s portion of the Loans to be made hereunder, the Administrative Agent may, in its discretion, round each Lender&rsquo;s
percentage of the Loans to the next higher or lower whole Dollar amount.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.15<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Sharing of Setoffs</I>. Each Lender agrees that if it shall, through the exercise of a right of banker&rsquo;s lien,
setoff or counterclaim against the Borrower or any other Credit Party, or pursuant to a secured claim under Section&nbsp;506 of
Title 11 of the United States Code or other security or interest arising from, or in lieu of, such secured claim, received by such
Lender under any applicable bankruptcy, insolvency or other similar law or otherwise, or by any other means, obtain payment (voluntary
or involuntary) in respect of any Loan as a result of which the unpaid principal portion of its Loans shall be proportionately
less than the unpaid principal portion of the Loans of any other Lender, it shall be deemed simultaneously to have purchased from
such other Lender at face value, and shall promptly pay to such other Lender the purchase price for, a participation in the Loans
of such other Lender, so that the aggregate unpaid principal amount of the Loans and participations in Loans held by each Lender
shall be in the same proportion to the aggregate unpaid principal amount of all Loans then outstanding as the principal amount
of its Loans prior to such exercise of banker&rsquo;s lien, setoff or counterclaim or other event was to the principal amount of
all Loans outstanding prior to such exercise of banker&rsquo;s lien, setoff or counterclaim or other event; <I>provided</I> that
(i) if any such purchase or purchases or adjustments shall be made pursuant to this <U>Section&nbsp;2.15</U> and the payment giving
rise thereto shall thereafter be recovered, such purchase or purchases or adjustments shall be rescinded to the extent of such
recovery and the purchase price or prices or adjustment restored without interest, and (ii) the provisions of this <U>Section&nbsp;2.15</U>
shall not be construed to apply to any payment made by the Borrower pursuant to and in accordance with the express terms of this
Agreement (including any application of funds arising from the existence of a Defaulting Lender) or any payment obtained by a Lender
as consideration for the assignment of or sale of a participation in any of its Loans to any assignee or participant, other than
to the Borrower or any of its Affiliates (it being understood that the provisions of this <U>Section&nbsp;2.15</U> shall apply).
The Borrower expressly consents to the foregoing arrangements and agrees that any Lender holding a participation in a Loan deemed
to have been so purchased may exercise any and all rights of banker&rsquo;s lien, setoff or counterclaim with respect to any and
all moneys owing by the Borrower to such Lender by reason thereof as fully as if such Lender had made a Loan directly to the Borrower
in the amount of such participation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.16<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Payments</I>. The Borrower shall make each payment (including principal of or interest on the Loans or any Fees or other
amounts) hereunder and under any other Credit Document not later than 2:00 p.m., New York time, on the date when due in immediately
available Dollars (other than any payment of PIK Interest), without setoff, defense or counterclaim. Any amounts received after
such time on any date may, in the discretion of the Administrative Agent, be deemed to have been received on the next succeeding
Business Day for purposes of calculating interest thereon. Each such payment shall be made to the Administrative Agent at the account
specified in writing by the Administrative Agent to the Borrower. The Administrative Agent shall promptly distribute to each Lender
any payments received by the Administrative Agent on behalf of such Lender.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.17<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Taxes.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>For purposes of this <U>Section&nbsp;2.17</U>, the term &ldquo;applicable law&rdquo; includes FATCA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Any and all payments by or on account of any obligation of the Borrower or any other Credit Party hereunder or under any
other Credit Document shall be made without deduction or withholding for any Indemnified Taxes except as required by applicable
law; <I>provided</I> that, if any applicable law (as determined in the good faith discretion of the Borrower or the Administrative
Agent) requires the deduction or withholding of any Taxes from any such payment by a Credit Party or the Administrative Agent,
then (i) the applicable Credit Party or Administrative Agent (as the case may be) shall be entitled to make such deduction or withholding
and shall timely pay the full amount deducted or withheld to the relevant Governmental Authority in accordance with applicable
law and, (ii) if such Tax is an Indemnified Tax, then the sum payable by the applicable Credit Party shall be increased as necessary
so that after making all required deductions or withholdings (including deductions and withholdings applicable to additional sums
payable under this Section) the Administrative Agent and each Lender (as the case may be) receives an amount equal to the sum it
would have received had no such deductions or withholdings been made.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>In addition, the Credit Parties shall timely pay any Other Taxes to the relevant Governmental Authority in accordance with
applicable law, or at the option of the Administrative Agent, timely reimburse it for the payment of any Other Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>(i) <I>Indemnification by the Borrower</I>. The Credit Parties shall jointly and severally indemnify the Administrative
Agent and each Lender within 10 days after written demand therefor, for the full amount of any Indemnified Taxes payable or paid
by the Administrative Agent or such Lender, as the case may be, or required to be withheld or deducted from a payment to the Administrative
Agent or such Lender, as the case may be, on or with respect to any payment by or on account of any obligation of the Borrower
or any other Credit Party hereunder or under any other Credit Document (including Indemnified Taxes imposed or asserted on or attributable
to amounts payable under this Section) and reasonable expenses arising therefrom or with respect thereto, whether or not such Indemnified
Taxes were correctly or legally imposed or asserted by the relevant Governmental Authority. A certificate as to the amount of such
payment or liability delivered to the Borrower by a Lender or by the Administrative Agent on behalf of itself or a Lender, shall
be conclusive absent manifest error.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT><I>Indemnification by Lenders</I>. Each Lender shall severally indemnify the Administrative Agent, within 10 days after
demand therefor, for (x) any Indemnified Taxes attributable to such Lender (but only to the extent that the Credit Parties have
not already indemnified the Administrative Agent for such Indemnified Taxes and without limiting the obligation of the Credit Parties
to do so) (y) any Taxes attributable to such Lender&rsquo;s failure to comply with the provisions of <U>Section&nbsp;9.04(f)</U>
relating to the maintenance of the Participant Register and (z) any Excluded Taxes attributable to such Lender, in each case, that
are payable or paid by the Administrative Agent in connection with any Credit Document, and any reasonable expenses arising therefrom
or with respect thereto, whether or not such Taxes were correctly or legally imposed or asserted by the relevant Governmental Authority.
A certificate as to the amount of such payment or liability delivered to any Lender by the Administrative Agent shall be conclusive
absent manifest error. Each Lender hereby authorizes the Administrative Agent to set off and apply any and all amounts at any time
owing to such Lender under any Credit Document or otherwise payable by the Administrative Agent to the Lender from any other source
against any amount due to the Administrative Agent under this <U>clause (d)(ii)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>As soon as practicable after any payment of Taxes by the Borrower or any other Credit Party to a Governmental Authority
pursuant to this <U>Section&nbsp;2.17</U>, the Borrower shall deliver to the Administrative Agent the original or a certified copy
of a receipt issued by such Governmental Authority evidencing such payment, a copy of the return reporting such payment or other
evidence of such payment reasonably satisfactory to the Administrative Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>(i) Any Lender that is entitled to an exemption from or reduction of withholding Tax with respect to payments made under
this Agreement or any other Credit Document shall deliver to the Borrower or other Credit Party (with a copy to the Administrative
Agent), at the time or times reasonably requested by the Borrower or the Administrative Agent, such properly completed and executed
documentation reasonably requested by the Borrower or the Administrative Agent as will permit such payments to be made without
withholding or at a reduced rate of withholding. In addition, any Lender, if reasonably requested by the Borrower or the Administrative
Agent, shall deliver such other documentation prescribed by applicable law or reasonably requested by the Borrower or the Administrative
Agent as will enable the Borrower or the Administrative Agent to determine whether or not such Lender is subject to any withholding
(including backup withholding) or information reporting requirements. Upon the reasonable request of the Borrower or the Administrative
Agent, any Lender shall update any form or certification previously delivered pursuant to this <U>Section&nbsp;2.17(f)</U>. If
any form or certification previously delivered pursuant to this Section expires or becomes obsolete or inaccurate in any respect
with respect to a Lender, such Lender shall update the form or certification or reasonably promptly notify the Borrower and the
Administrative Agent in writing of its legal inability to do so. Notwithstanding anything to the contrary in the preceding four
(4) sentences, the completion, execution and submission of such documentation (other than such documentation set forth in <U>Section&nbsp;2.17(f)(ii)(A)</U>,
<U>(ii)(B)</U> and (ii)(D) below) shall not be required if in the Lender&rsquo;s reasonable judgment such completion, execution
or submission would subject such Lender to any material unreimbursed cost or expense or would materially prejudice the legal or
commercial position of such Lender.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </FONT>Without
limiting the generality of the foregoing, if the Borrower is a &ldquo;United States person&rdquo; within the meaning of
Section&nbsp;7701(a)(30) of the Code, any Lender with respect to such Borrower shall, if it is legally eligible to do so,
deliver to such Borrower and the Administrative Agent (in such number of copies reasonably requested by such Borrower and the
Administrative Agent) on or prior to the date on which such Lender becomes a party hereto, duly completed and executed copies
of whichever of the following is applicable:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">(A)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>in the case of a Lender that is a &ldquo;United States person&rdquo; within the meaning of Section&nbsp;7701(a)(30) of the
Code, IRS Form W-9 certifying that such Lender is exempt from U.S. federal backup withholding Tax;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">(B)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>in the case of a Foreign Lender claiming the benefits of an income Tax treaty to which the United States is a party (1)
with respect to payments of interest under any Credit Document, IRS Form W-8BEN or W-8BEN-E establishing an exemption from, or
reduction of, U.S. federal withholding Tax pursuant to the &ldquo;interest&rdquo; article of such Tax treaty and (2) with respect
to any other applicable payments under any Credit Document, IRS Form W-8BEN or W-8BEN-E establishing an exemption from, or reduction
of, U.S. federal withholding Tax pursuant to the &ldquo;business profits&rdquo; or &ldquo;other income&rdquo; article of such Tax
treaty;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">(C)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>in the case of a Foreign Lender for which payments under any Credit Document constitute income that is effectively connected
with such Lender&rsquo;s conduct of a trade or business in the United States, IRS Form W-8ECI;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">(D)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>in the case of a Foreign Lender claiming the benefits of the exemption for portfolio interest under Section&nbsp;881(c)
of the Code both (1) IRS Form W-8BEN or W-8BEN-E and (2) a certificate to the effect that such Lender is not (a) a &ldquo;bank&rdquo;
within the meaning of Section&nbsp;881(c)(3)(A) of the Code, (b) a &ldquo;10 percent shareholder&rdquo; of the Borrower within
the meaning of Section&nbsp;881(c)(3)(B) of the Code or (c) a &ldquo;controlled foreign corporation&rdquo; described in Section&nbsp;881(c)(3)(C)
of the Code;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">(E)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>in the case of a Foreign Lender that is not the beneficial owner of payments made under any Credit Document (including a
partnership or a participating Lender) (1) an IRS Form W-8IMY on behalf of itself and (2) the relevant forms prescribed in <U>clauses
(A)</U>, <U>(B)</U>, <U>(C)</U>, <U>(D)</U> and <U>(F)</U> of this <U>subclause (f)(ii)</U> that would be required of each such
beneficial owner or partner of such partnership if such beneficial owner or partner were a Lender; <I>provided however</I>, that
if the Lender is a partnership and one (1) or more of its partners are claiming the exemption for portfolio interest under Section&nbsp;881(c)
of the Code, such Lender may provide the certificate described in <U>(D)(2)</U> above on behalf of such partners; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">(F)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>any other form prescribed by law as a basis for claiming exemption from, or a reduction of, U.S. federal withholding Tax
together with such supplementary documentation necessary to enable the Borrower or the Administrative Agent to determine the amount
of Tax (if any) required by law to be withheld.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">(G)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>If a payment made to a Lender under any Credit Document would be subject to U.S. federal withholding Tax imposed by FATCA
if such Lender were to fail to comply with the applicable reporting requirements of FATCA (including those contained in Section&nbsp;1471(b)
or 1472(b) of the Code, as applicable), such Lender shall deliver to the applicable withholding agent, at the time or times prescribed
by law and at such time or times reasonably requested by such withholding agent, such documentation prescribed by applicable law
(including as prescribed by Section&nbsp;1471(b)(3)(C)(i) of the Code) and such additional documentation reasonably requested by
the withholding agent as may be necessary for the withholding agent to comply with its obligations under FATCA, to determine that
such Lender has or has not complied with such Lender&rsquo;s obligations under FATCA or to determine the amount to deduct and withhold
from such payment. Solely for purposes of this <U>Section&nbsp;2.17(f)(ii)</U>, &ldquo;FATCA&rdquo; shall include any amendments
made to FATCA after the date of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>If any party determines, in its sole discretion exercised in good faith, that it has received a refund of any Taxes as to
which it has been indemnified pursuant to this <U>Section&nbsp;2.17</U> (including by the payment of additional amounts pursuant
to this <U>Section&nbsp;2.17</U>), it shall pay to the indemnifying party an amount equal to such refund (but only to the extent
of indemnity payments made under this Section with respect to the Taxes giving rise to such refund), net of all out-of-pocket expenses
(including Taxes) of such indemnified party and without interest (other than any interest paid by the relevant Governmental Authority
with respect to such refund). Such indemnifying party, upon the request of such indemnified party, shall repay to such indemnified
party the amount paid over pursuant to this <U>clause (g)</U> (plus any penalties, interest or other charges imposed by the relevant
Governmental Authority) in the event that such indemnified party is required to repay such refund to such Governmental Authority.
Notwithstanding anything to the contrary in this <U>clause (g)</U>, in no event will the indemnified party be required to pay any
amount to an indemnifying party pursuant to this <U>clause (g)</U> the payment of which would place the indemnified party in a
less favorable net after-Tax position than the indemnified party would have been in if the Tax subject to indemnification and giving
rise to such refund had not been deducted, withheld or otherwise imposed and the indemnification payments or additional amounts
with respect to such Tax had never been paid. This paragraph shall not be construed to require any indemnified party to make available
its Tax Returns (or any other information relating to its Taxes that it deems confidential) to the indemnifying party or any other
Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Without limiting the provisions of <U>Section&nbsp;9.02</U>, each party&rsquo;s obligations under this <U>Section&nbsp;2.17</U>
shall survive the resignation or replacement of the Administrative Agent or any assignment of rights by, or the replacement of,
a Lender, the termination of the Commitments and the repayment, satisfaction or discharge of all obligations under any Credit Document.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.18<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Duty to Mitigate; Assignment of Commitments Under Certain Circumstances</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Designation of a Different Lending Office</U>. In the event (i) any Lender requests compensation under <U>Section&nbsp;2.13</U>,
or (ii) requires the Borrower to pay any Indemnified Taxes or additional amounts to any Lender or any Governmental Authority for
the account of any Lender pursuant to <U>Section&nbsp;2.17</U>, then such Lender shall (at the request of the Borrower) use reasonable
efforts to designate a different lending office for funding or booking its Loans hereunder or to assign its rights and obligations
hereunder to another of its offices, branches or affiliates, if, in the judgment of such Lender, such designation or assignment
(i)&nbsp;would eliminate or reduce amounts payable pursuant to <U>Section&nbsp;2.13</U> or <U>Section&nbsp;2.17</U>, as the case
may be, in the future, and (ii)&nbsp;would not subject such Lender to any unreimbursed cost or expense and would not otherwise
be disadvantageous to such Lender. The Borrower hereby agrees to pay all reasonable costs and expenses incurred by any Lender in
connection with any such designation or assignment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Replacement of Lenders</U>. In the event (i) any Lender delivers a certificate requesting compensation pursuant to <U>Section&nbsp;2.13</U>,
(ii) any Credit Party is required to pay any Indemnified Taxes or additional amounts to any Lender or any Governmental Authority
on account of any Lender pursuant to <U>Section&nbsp;2.17 and</U>, in each case, such Lender has declined or is unable to designate
a different lending office in accordance with <U>clause (a)</U> of this <U>Section 2.18</U>, (iii) any Lender refuses to consent
to any amendment, waiver or other modification of any Credit Document requested by the Borrower that requires the consent of a
greater percentage of the Lenders than the Required Lenders and such amendment, waiver or other modification is consented to by
the Required Lenders, or (iv) any Lender becomes a Defaulting Lender, then, in each case, the Borrower may, at its sole expense
and effort (including with respect to the processing and recordation fee referred to in <U>Section&nbsp;9.04(b)</U>), upon notice
to such Lender, as the case may be, and the Administrative Agent, require such Lender to transfer and assign, without recourse
(in accordance with and subject to the restrictions contained in <U>Section&nbsp;9.04</U>), all of its interests, rights and obligations
under this Agreement and related Credit Documents (or, in the case of <U>clause (iii)</U> above, all of its interests, rights and
obligation with respect to the Loans or Commitments that is the subject of the related consent, amendment, waiver or other modification)
to an Eligible Assignee that shall assume such assigned obligations and, with respect to <U>clause (iii)</U> above, shall consent
to such requested amendment, waiver or other modification of any Credit Documents (which assignee may be another Lender, if a Lender
accepts such assignment); <I>provided </I>that (x) such assignment shall not conflict with any law, rule or regulation or order
of any court or other Governmental Authority having jurisdiction, (y) in the case of any such assignment resulting from a claim
of compensation under <U>Section&nbsp;2.13</U> or payments required to be made pursuant to <U>Section&nbsp;2.17</U>, such assignment
will result in a reduction in such compensation or payments thereafter and (z) the Borrower or such assignee shall have paid to
the affected Lender in immediately available funds an amount equal to the sum of the principal of and interest accrued to the date
of such payment on the outstanding Loans of such Lender, respectively, plus all Fees and other amounts accrued for the account
of such Lender hereunder with respect thereto (including any amounts under <U>Section&nbsp;2.13</U>); <I>provided further</I> that,
if prior to any such transfer and assignment the circumstances or the amounts paid pursuant to <U>Section&nbsp;2.17</U>, as the
case may be, cease to result in amounts being payable under <U>Section&nbsp;2.17</U>, as the case may be, or shall waive its right
to further payments under <U>Section&nbsp;2.17</U> in respect of such circumstances or event or shall consent to the proposed amendment,
waiver, consent or other modification, as the case may be, then such Lender shall not thereafter be required to make any such transfer
and assignment hereunder. Each Lender hereby grants to the Administrative Agent an irrevocable power of attorney (which power is
coupled with an interest) to execute and deliver, on behalf of such Lender, as assignor, any Assignment and Acceptance necessary
to effectuate any assignment of such Lender&rsquo;s interests hereunder in the circumstances contemplated by this <U>Section&nbsp;2.18</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.19<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Defaulting Lenders</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding anything to the contrary contained in this Agreement, if any Lender becomes a Defaulting Lender, then, until
such time as such Lender is no longer a Defaulting Lender, to the extent permitted by applicable law:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Such Defaulting Lender&rsquo;s right to approve or disapprove any amendment, waiver or consent with respect to this Agreement
shall be restricted as set forth in the definition of Required Lenders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Any payment of principal, interest, fees or other amounts received by the Administrative Agent for the account of such Defaulting
Lender (whether voluntary or mandatory, at maturity, pursuant to <U>Article 8</U> or otherwise) or received by the Administrative
Agent from a Defaulting Lender pursuant to <U>Section&nbsp;9.06</U> shall be applied at such time or times as may be determined
by the Administrative Agent as follows: <I>first</I>, to the payment of any amounts owing by such Defaulting Lender to the Administrative
Agent and the Collateral Agent hereunder; <I>second</I>, to the payment of any amounts owing to the Lenders as a result of any
judgment of a court of competent jurisdiction obtained by any Lender against such Defaulting Lender as a result of such Defaulting
Lender&rsquo;s breach of its obligations under this Agreement; <I>third</I>, to the payment of any amounts owing to the Borrower
as a result of any judgment of a court of competent jurisdiction obtained by the Borrower against such Defaulting Lender as a result
of such Defaulting Lender&rsquo;s breach of its obligations under this Agreement; and <I>fourth</I>, to such Defaulting Lender
or as otherwise directed by a court of competent jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>If the Borrower and the Administrative Agent agree in writing that a Lender is no longer a Defaulting Lender, the Administrative
Agent will so notify the parties hereto, whereupon as of the effective date specified in such notice, such Lender will cease to
be a Defaulting Lender; <I>provided </I>that except to the extent otherwise expressly agreed by the affected parties in writing,
no change hereunder from Defaulting Lender to Lender will constitute a waiver or release of any claim of any party hereunder arising
from that Lender&rsquo;s having been a Defaulting Lender.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.20<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Protective Advances</I>. Each Lender is authorized by Borrower and the other Lenders, from time to time in any such Lender&rsquo;s
sole and absolute discretion (but the Lenders have absolutely no obligation), to make advances that any such Lender elects to fund
to satisfy, in whole or in part, any &ldquo;margin call&rdquo;, &ldquo;margin deficit&rdquo;, &ldquo;borrowing base deficiency&rdquo;
or the equivalent of any of the foregoing in respect of any Indebtedness of Parent or any Subsidiary that any such Lender determines
in its commercially reasonable discretion in consultation with the Borrower that the applicable obligor or obligors thereof will
likely not satisfy in accordance with the requirements for such Indebtedness or when required thereby giving effect to any grace
or cure periods in respect of such Indebtedness (any of such advances are herein referred to as &ldquo;<B>Protective Advances</B>&rdquo;).
Any Protective Advances are payable by the Borrower on written demand to the Borrower by the Lender that made any such Protective
Advance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">ARTICLE
3<BR>
REPRESENTATIONS AND WARRANTIES</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In order to induce
the Lenders to enter into this Agreement and to make the Loans, each Credit Party makes the following representations and warranties,
in each case on the Closing Date, all of which shall survive the execution and delivery of this Agreement and the Notes and the
making of the Loans.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.01<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Company Status</I>. Each Credit Party and its Subsidiaries (a) is a duly organized and validly existing Company in good
standing under the laws of the jurisdiction of its organization, (b) has the Company power and authority to own its property and
assets and to transact the business in which it is engaged and (c) is duly qualified and is authorized to do business and, to the
extent applicable, is in good standing in each jurisdiction where the ownership, leasing or operation of its property or the conduct
of its business requires such qualifications, except to the extent all failures with respect to the foregoing <U>clauses (a)</U>
and <U>(b)</U> (other than, in the case of <U>clauses (a)</U> and <U>(b)</U>, with respect to the Borrower) and <U>clause (c)</U>
could not, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.02<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Power and Authority</I>. Each Credit Party has the Company power and authority to execute, deliver and perform its obligations
under each of the Credit Documents to which it is party and, in the case of the Borrower, to borrow hereunder, and has taken all
necessary Company action to authorize the execution, delivery and performance by it of each of such Credit Documents. Each Credit
Party has duly executed and delivered each of the Credit Documents to which it is party, and each of such Credit Documents constitutes
its legal, valid and binding obligation enforceable in accordance with its terms, except as enforceability thereof may be limited
by applicable bankruptcy, insolvency, reorganization, moratorium or other similar laws affecting creditors&rsquo; rights generally
and by general equitable principles relating to enforceability (regardless of whether enforcement is sought by proceedings in equity
or at law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.03<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>No Violation</I>. The execution, delivery and performance of this Agreement and the other Credit Documents, the borrowings
hereunder and the use of the proceeds thereof do not or will not (a) contravene any provision of any law, statute, ordinance, code,
rule or regulation or any order, writ, injunction or decree of any court or Governmental Authority applicable to any Credit Party,
(b)(i) conflict with or result in any breach of, or constitute a default under, or give rise to any right to accelerate or to require
the prepayment, repurchase of redemption of any obligation under, or (ii) result in the creation or imposition of (or the obligation
to create or impose) any Lien (except pursuant to the Security Documents) upon any of the property or assets any of Credit Party
or any Subsidiary, in each case pursuant to the terms of any indenture, mortgage, deed of trust, credit agreement or loan agreement,
or any other agreement, contract or instrument, in each case to which any Credit Party or any Subsidiary is a party or by which
it or any its property or assets is bound or to which it may be subject or (c) violate any provision of the certificate or articles
of incorporation, certificate of formation, limited liability company agreement or by-laws (or equivalent organizational documents),
as applicable, of any Credit Party or any Subsidiary, except to the extent all violations or contraventions with respect to the
foregoing <U>clauses (a)</U> and <U>(b)(i)</U> could not, either individually or in the aggregate, reasonably be expected to have
a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.04<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Approvals</I>. Except as the failure to so obtain, make and/or authorize, as applicable, could not reasonably be expected
to have a Material Adverse Effect, no order, consent, approval, license, authorization or validation of, or filing, recording or
registration with (except for (x) those that have otherwise been obtained or made on or prior to the Closing Date and which remain
in full force and effect on the Closing Date and (y) filings which are necessary to perfect the security interests or liens created
under the Security Documents), or exemption or other action by, any Governmental Authority is required to be obtained or made by,
or on behalf of, any Credit Party to authorize, or is required to be obtained or made by, or on behalf of, any Credit Party in
connection with, the execution, delivery and performance of any Credit Document or the legality, validity, binding effect or enforceability
of any such Credit Document.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.05<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Financial Statements; Financial Condition</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>(i) The audited consolidated balance sheets of Parent and its Subsidiaries at December&nbsp;31, 2019 and December 31, 2018
and the related consolidated statements of income and cash flows and changes in stockholder&rsquo;s equity of Parent for the two
(2) fiscal years of Parent ended on such dates, in each case furnished to the Administrative Agent for delivery to the Lenders
prior to the Effective Date, present fairly in all material respects the consolidated financial position of Parent and its Subsidiaries
at the dates of said financial statements and the results of operations for the respective periods covered thereby except as set
forth on <U>Schedule 3.05</U> and (ii) the unaudited consolidated balance sheet of Parent as at March 31, 2020 and the related
consolidated statements of income and cash flows and changes in stockholders&rsquo; equity of Parent for the three-month period
ended on such date, in each case furnished to the Lenders prior to the Closing Date, present fairly in all material respects the
consolidated financial condition of Parent and its Subsidiaries at the date of said financial statements and the results of operations
for the respective periods covered thereby, subject to normal year-end adjustments and the absence of footnotes. All such financial
statements have been prepared in accordance with GAAP consistently applied and subject, in the case of the unaudited financial
statements, to normal year-end audit adjustments and the absence of footnotes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>On the Closing Date, and after giving effect to the Transactions and to all Indebtedness (including the Loans) being incurred
or assumed and Liens created by the Credit Parties in connection therewith, (i) the sum of the fair value of the assets, of Parent
and its Subsidiaries (taken as a whole) will exceed the sum of their debts, (ii) Parent and its Subsidiaries (taken as a whole)
as of the Closing Date do not have debts outstanding, and do not intend to incur further debts, beyond their ability to pay such
debts as such debts mature in the ordinary course of business and (iii) the capital of Parent and its Subsidiaries (taken as a
whole) is not unreasonably small in relation to the business of Parent or its Subsidiaries (taken as a whole) contemplated as of
the Closing Date. For purposes of this <U>Section&nbsp;3.05(b)</U>, &ldquo;debt&rdquo; means any liability on a claim, and &ldquo;claim&rdquo;
means (a) right to payment, whether or not such a right is reduced to judgment, liquidated, unliquidated, fixed, contingent, matured,
unmatured, disputed, undisputed, legal, equitable, secured, or unsecured or (b) right to an equitable remedy for breach of performance
if such breach gives rise to a payment, whether or not such right to an equitable remedy is reduced to judgment, fixed, contingent,
matured, unmatured, disputed, undisputed, secured or unsecured.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>(i) Since December 31, 2019, and (ii) since the date hereof, after giving effect to the Transactions, there has been no
event or circumstance or any change in the business, operations, property, assets or financial condition of Parent or any of its
Subsidiaries that either, individually or in the aggregate, has had, or could reasonably be expected to have, a Material Adverse
Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.06<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Litigation</I>. Except as set forth on <U>Schedule 3.06</U>, there are no actions, suits or proceedings before any arbitrator
or Governmental Authority at law or in equity pending or, to the knowledge of each Credit Party, threatened in writing against
the Credit Parties or any of their Subsidiaries (a) with respect to any Credit Document or (b) that has had, or could reasonably
be expected to have, either individually or in the aggregate, a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.07<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>True and Complete Disclosure</I>. All written information (taken as a whole) (including all information contained in
the Credit Documents) for purposes of or in connection with this Agreement, the other Credit Documents or any transaction contemplated
herein or therein is, and all other such factual information (taken as a whole) hereafter furnished by or on behalf of the Borrower
in writing to the Administrative Agent or any Lender will be, complete and correct on the date as of which such information is
dated or certified and does not or will not contain any untrue statement of a material fact or omit a material fact necessary to
make such information (taken as a whole) not misleading at such time in light of the circumstances under which such information
was provided (giving effect to all supplements and updates provided thereto prior to the date hereof); <I>provided </I>that no
representation is made with respect to information of a general economic or general industry nature. Any projections and pro forma
financial information provided to the Administrative Agent or any Lender are based upon good faith estimates and assumptions believed
by each Credit Party to be reasonable at the time made (it being understood that projections are not to be viewed as fact and are
subject to uncertainties and contingencies and actual results may differ materially from the projections and no assurance can be
given that any projections will be realized).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.08<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Use of Proceeds; Margin Regulations</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>All proceeds of the Loans will be used by the Borrower only for the purposes specified in <U>Section&nbsp;5.11</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No part of any Loan (or the proceeds thereof) will be used to purchase or carry any Margin Stock or to extend credit for
the purpose of purchasing or carrying any Margin Stock. Neither the making of any Loan nor the use of the proceeds thereof will,
whether directly or indirectly, and whether immediately, incidentally or ultimately, violate Regulation U or X.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.09<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Tax Matters</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Except as set forth on <U>Schedule 3.09</U>, (i) Parent, the Borrower and each of its Subsidiaries, as applicable, has timely
filed or caused to be timely filed with the appropriate taxing authority all Tax Returns required to be filed by, or with respect
to the income, properties or operations of, Parent, the Borrower and/or each Subsidiary, as applicable, and all such Tax Returns
are true, correct and complete in all respects, and (ii) Parent, the Borrower and each Subsidiary, as applicable, has paid all
Taxes levied or imposed upon it or its property, income, profits and assets payable by it which have become due, except, in each
case, (A) Taxes that are being contested in good faith by appropriate proceedings diligently conducted and for which adequate reserves
are being maintained on the financial statements of the Parent and the Borrower in accordance with GAAP or (B) to the extent that
the failure to do so could not reasonably be expected to have a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Parent has qualified to be taxed as a REIT for U.S. federal income tax purposes for its taxable years ended December 3,
2014 through December 31, 2019. Parent has been organized and has operated, and intends to continue to operate, in a manner so
as to continue to qualify as a REIT for U.S. federal income tax purposes for its taxable year ending on December 31, 2020, and
the Borrower is properly classified as a Qualified REIT Subsidiary of Parent. Parent has not taken or omitted to take any action
that could reasonably be expected to result in a challenge by the IRS or any other Governmental Authority to its status or qualification
as a REIT for U.S. federal income tax purposes, and no such challenge to its status or qualification as a REIT for U.S. federal
income tax purposes is pending, being threatened in writing or, to the knowledge of Parent or Borrower, otherwise threatened or
asserted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.10<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Compliance with ERISA</I>. Each Plan is in compliance in all material respects with its terms and the applicable provisions
of ERISA and the Code, and each Credit Party, other Subsidiary of the Borrower and ERISA Affiliate has complied with their respective
obligations with respect to each Plan and Multiemployer Plan, except for non-compliance which, in the aggregate, would not have
a Material Adverse Effect. No ERISA Event has occurred or is reasonably expected to occur that, when taken together with all other
ERISA Events that have occurred or are reasonably likely to occur, could reasonably be expected to have a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.11<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Security Documents</I>. The provisions of the Pledge Agreement are effective to create in favor of the Collateral Agent
for the benefit of the Secured Creditors a legal, valid and enforceable security interest in all right, title and interest of the
Credit Parties in the Pledge Agreement Collateral described therein, and the Collateral Agent, for the benefit of the Secured Creditors,
has a fully perfected security interest in all right, title and interest in all of the Pledge Agreement Collateral described therein
to the extent required thereunder, subject to no other Liens other than Permitted Liens created by operation of law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.12<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> <I>[Reserved]</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.13<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Capitalization</I>. All outstanding Equity Interests of Borrower are owned by Parent and have been duly and validly issued,
are fully paid (except as such rights may arise under mandatory provisions of applicable statutory law that may not be waived or
otherwise agreed) and non-assessable and have been issued free of preemptive rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.14<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Subsidiaries</I>. As of the Closing Date, (a) Parent has no direct Subsidiaries other than the Borrower and (b) <U>Schedule
3.14</U> sets forth the percentage ownership (direct and indirect) of Parent in each class of Equity Interests of each of its Subsidiaries
and also identifies the direct owner thereof. All outstanding Equity Interests of each Subsidiary of Parent and the Borrower have
been duly and validly issued and are fully paid (except as such rights may arise under mandatory provisions of applicable statutory
law that may not be waived or otherwise agreed) and have been issued free of preemptive rights, and no Subsidiary of Parent or
the Borrower has outstanding any securities that are convertible into or exchangeable for its Equity Interests or outstanding any
right to subscribe for or to purchase, or any options or warrants for the purchase of, or any agreement providing for the issuance
(contingent or otherwise) of or any calls, commitments or claims of any character relating to, its Equity Interests or any stock
appreciation or similar rights except as set forth on <U>Schedule 3.14</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.15<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Compliance with Statutes, Etc</I>. Each Credit Party and each Subsidiary is in compliance with all statutes, regulations
and orders of, and all restrictions imposed by, all Governmental Authorities in respect of the conduct of its business and the
ownership of its property (including applicable Environmental Laws), except such non-compliances as could not, either individually
or in the aggregate, reasonably be expected to have a Material Adverse Effect. Neither any Credit Party nor any Subsidiary is subject
to or in default with respect to any final judgments, writs, injunctions, decrees, rules or regulations of any court or any federal,
state, municipal or other governmental department, commission, board, bureau, agency or instrumentality, domestic or foreign, that,
individually or in the aggregate, could reasonably be expected to have a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.16<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Investment Company Act</I>. Neither any Credit Party nor any Subsidiary is required to register as an &ldquo;investment
company&rdquo;, or is subject to regulation, under the Investment Company Act of 1940, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.17<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Insurance</I>. <U>Schedule 3.17</U> sets forth a listing of all material insurance maintained by each Credit Party and
each Subsidiary as of the Closing Date, with the amounts insured (and any deductibles) set forth therein. Each Credit Party and
each Subsidiary have insurance (including self-insurance) in such amounts and covering such risks and liabilities as are consistent
with normal industry practice and such insurance is in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.18<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Environmental Matters</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Credit Party and each Subsidiary, is and all times has been, in compliance with all applicable Environmental Laws and
the requirements of any permits issued under such Environmental Laws. There are no pending or, to the knowledge of each Credit
Party, threatened Environmental Claims against any Credit Party or any Subsidiary or relating to any Real Property owned, leased
or operated by any Credit Party or any Subsidiary (including any such claim arising out of the ownership, lease or operation by
any Credit Party or any Subsidiary of any Real Property formerly owned, leased or operated by any Credit Party or any Subsidiary).
To the knowledge of each Credit Party there are no facts, circumstances, conditions or occurrences with respect to any Credit Party
or any Subsidiary, or any Real Property currently or formerly owned, leased or operated by any Credit Party or any Subsidiary or
any other property that could be reasonably expected (i) to form the basis of any liability under Environmental Law of, or an Environmental
Claim against, any Credit Party or any Subsidiary, or any Environmental Claim relating to any such Real Property, or (ii) to cause
any Real Property owned, leased or operated by any Credit Party or any Subsidiary to be subject to any restrictions on the ownership,
lease, occupancy, use or transferability of such Real Property by any Credit Party or any Subsidiary under any applicable Environmental
Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Hazardous Materials have not at any time been generated, used, treated or stored on, or transported to or from, or Released
on, to, or from, any Real Property currently or, to the knowledge of each Credit Party, formerly owned, leased or operated by any
Credit Party or any Subsidiary, or any other property where such generation, use, treatment, storage, transportation or Release
has violated or could be reasonably expected to violate any applicable Environmental Law or give rise to an Environmental Claim
or any liability under Environmental Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding anything to the contrary in this <U>Section 3.18</U>, the representations and warranties made in this <U>Section
3.18</U> shall be untrue only if the effect of any or all facts, circumstances, occurrences, conditions, violations, claims, restrictions,
failures, liabilities or noncompliance could, either individually or in the aggregate, reasonably be expected to have a Material
Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.19<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Employment and Labor Relations</I>. Neither any Credit Party nor or any Subsidiary is engaged in any unfair labor practice
that could reasonably be expected, either individually or in the aggregate, to have a Material Adverse Effect. There is (a) no
unfair labor practice complaint pending against any Credit Party or any Subsidiary or, to the knowledge of each Credit Party, threatened
against any of them, before the National Labor Relations Board, and no grievance or arbitration proceeding arising out of or under
any collective bargaining agreement is so pending against any Credit Party or any Subsidiary or, to the knowledge of each Credit
Party, threatened against any of them, (b) no strike, labor dispute, slowdown or stoppage pending against any Credit Party or any
Subsidiary or, to the knowledge of each Credit Party, threatened against any Credit Party or any Subsidiary, (c) no union representation
question exists with respect to the employees of any Credit Party or any Subsidiary, (d) no equal employment opportunity charges
or other claims of employment discrimination are pending or, to the knowledge of each Credit Party, threatened against any Credit
Party or any Subsidiary and (e) no wage and hour department investigation has been made of any Credit Party or any Subsidiary,
except (with respect to any matter specified in <U>clauses (a)</U> through <U>(e)</U> above, either individually or in the aggregate)
such as could not reasonably be expected to have a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.20<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Intellectual Property, Etc</I>. Each Credit Party and each Subsidiary, as applicable, owns or has the right to use all
the patents, trademarks, domain names, service marks, trade names, copyrights, inventions, trade secrets, proprietary information
and know-how of any type, whether or not written (including rights in computer programs and databases), or rights with respect
to the foregoing, necessary for the present conduct of its business, without any known infringement or other violation of the rights
of others which, or the failure to own or have the rights which, as the case may be, could reasonably be expected, either individually
or in the aggregate, to have a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.21<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>[Reserved]</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.22<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Anti-Terrorism Law</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Neither any Credit Party nor any Subsidiary is in violation of any applicable Sanctions or Executive Order No. 13224 on
Terrorist Financing effective September 24, 2001 (the &ldquo;<B>Executive Order</B>&rdquo;). Neither any Credit Party nor any Subsidiary
and, to the knowledge of such Credit Party, no agent of any Credit Party or any Subsidiary acting on behalf of any Credit Party
or any Subsidiary or any director, officer, employee or Affiliate of any Credit Party or any Subsidiary, as the case may be, is
or has been any of the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>a Sanctioned Person; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>a Person that commits, threatens or conspires to commit or supports &ldquo;terrorism&rdquo; as defined in the Executive
Order.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Neither any Credit Party nor any Subsidiary and, to the knowledge of such Credit Party, no agent of any Credit Party or
any Subsidiary when acting on behalf of any Credit Party or any Subsidiary, as the case may be, (i) conducts any business or engages
in making or receiving any contribution of funds, goods or services to or for the benefit of a Person described in <U>Section 3.22(a)</U>,
(ii) deals in, or otherwise engages in any transaction relating to, any property or interests in property blocked pursuant to the
Executive Order or applicable Sanctions, or (iii) engages in or conspires to engage in any transaction that evades or avoids, or
has the purpose of evading or avoiding, or attempts to violate, any Sanctions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Neither any Credit Party nor any Subsidiary will directly or knowingly indirectly use the proceeds of the Loans or otherwise
make available such proceeds to any Person, for the purpose of financing the activities of any Sanctioned Person in violation of
applicable Sanctions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>For the five (5) years prior to the date of this Agreement, the operations of the Credit Parties are and have been conducted
at all times in compliance with applicable know-your-customer, financial record-keeping, and reporting requirements of applicable
Anti-Money Laundering Laws in all jurisdictions in which the Credit Parties conduct business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.23<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Foreign Corrupt Practices Act</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>For the five (5) years prior to the date of this Agreement, each Credit Party, each Subsidiary and each of their directors,
officers, and the knowledge of each Credit Party their respective agents, employees, and any person acting for or on behalf of
any Credit Party or any Subsidiary has complied in all material respects with, and will comply with, the U.S. Foreign Corrupt Practices
Act, as amended from time to time, or any other applicable anti-bribery or anti-corruption law (&ldquo;<B>Anti-Corruption Laws</B>&rdquo;),
and have not made, offered, promised, or authorized, and will not make, offer, promise, or authorize, whether directly or indirectly,
any payment, of anything of value to: (i) an executive, official, employee or agent of a governmental department, agency or instrumentality,
(ii) a director, officer, employee or agent of a wholly or partially government-owned or -controlled company or business, (iii)
a political party or official thereof, or candidate for political office, or (iv) an executive, official, employee or agent of
a public international organization (e.g., the International Monetary Fund or the World Bank) (&ldquo;<B>Government Official</B>&rdquo;);
while knowing or having a reasonable belief that all or some portion will be used for the purpose of unlawfully: (a) influencing
any act, decision or failure to act by a Government Official in his or her official capacity, (b) inducing a Government Official
to use his or her influence with a government or instrumentality to affect any act or decision of such government or entity, or
(c) securing an improper advantage; in order to obtain, retain, or direct business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Parent represents that it maintains on behalf of itself and its Subsidiaries (or such Subsidiaries maintain) systems of
internal accounting controls as required by and reasonably designed to promote compliance with applicable Anti-Corruption Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.24<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Third Forbearance Agreement</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>As of the Effective Date, the Third Forbearance Agreement has been duly executed and delivered by the parties thereto and
is in full force and effect (with respect to parties other than Parent and its Subsidiaries party thereto, to the knowledge of
Parent), pursuant to which the holders of Indebtedness of the Borrower and its Subsidiaries that are party thereto have agreed
to forbear from exercising remedies with respect to such Indebtedness until and through the termination date of the Third Forbearance
Agreement as such date may be extended pursuant to the terms thereof (the &ldquo;<B>Forbearance Termination Date</B>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>As of the Closing Date, all events of default under Indebtedness subject to the Third Forbearance Agreement shall either
(i) have been waived in accordance with the terms of the related Indebtedness and the Borrower shall have provided written evidence
of such waivers in form and substance satisfactory to the Administrative Agent or (ii) not be in effect after the funding of the
Loans and the Asset Level Term Loans and the application of the proceeds thereof because the proceeds of the Loans and the Asset
Level Term Loans are applied to repay the related Indebtedness.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">ARTICLE
4<BR>
CONDITIONS OF LENDING</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 4.01<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Conditions Precedent to the Effectiveness of this Agreement</I>. The effectiveness of this Agreement is subject to the
satisfaction (or waiver in accordance with the terms hereof) of the following conditions (and, in the case of each document specified
in this Section to be received by the Administrative Agent and the Lenders, such document shall be in form and substance satisfactory
to the Administrative Agent and each Lender):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Parent and the Borrower shall have duly authorized, executed and delivered this Agreement, and each other party to this
Agreement shall have executed and delivered this Agreement, and this Agreement shall be in full force and effect;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Administrative Agent and the Lenders shall have received certified copies of requests for information or copies (Form
UCC-11), or equivalent reports as of a recent date, listing all effective financing statements that name the Parent, the Borrower
or any Subsidiary as debtor and that are filed in their respective jurisdictions of incorporation or other organization as of the
date of such report, together with copies of such other financing statements that name Parent, the Borrower or any Subsidiary as
debtor (none of which shall cover any of the Collateral except (x) to the extent evidencing Permitted Liens or (y) those in respect
of which the Collateral Agent and the Lenders shall have received termination statements (Form UCC-3) or such other termination
statements as shall be required by local law or such other arrangements reasonably satisfactory to the Collateral Agent and the
Lenders shall have been made);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>[Reserved];</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>As of the Effective Date, no Default or Event of Default shall have occurred and be continuing, in each case, under <U>Section
5.14</U>;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Administrative Agent and the Lenders shall have received a certificate, dated the Effective Date and signed by an Authorized
Officer of the Borrower, confirming compliance with the conditions precedent set forth in <U>clause (d)</U> of this <U>Section&nbsp;4.01</U>;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Administrative Agent and the Lenders shall have received (a) a copy of the certificate or articles of incorporation
or equivalent formation document, including all amendments thereto, of Parent and the Borrower, certified as of a recent date by
the Secretary of State (or other similar official) of the state of its organization, and a certificate as to the good standing
of Parent and the Borrower as of a recent date, from such Secretary of State; (b) a certificate of the Secretary or Assistant Secretary
of Parent and the Borrower dated the Effective Date and certifying (i) that attached thereto is a true and complete copy of the
by-laws of Parent and the Borrower as in effect on the Effective Date and at all times since a date prior to the date of the resolutions
described in the following <U>clause (ii)</U>, (ii) that attached thereto is a true and complete copy of resolutions duly adopted
by the Board of Directors (or equivalent governing body) of Parent and the Borrower authorizing the execution, delivery and performance
of the Credit Documents to which Parent and the Borrower is a party and, in the case of the Borrower, the borrowings hereunder,
and that such resolutions have not been modified, rescinded or amended and are in full force and effect on the Effective Date,
(iii) that the certificate or articles of incorporation or other equivalent formation document of Parent and the Borrower has not
been amended since the date of the last amendment thereto furnished pursuant to <U>clause (a)</U> above, and (iv) as to the incumbency
and specimen signature of each officer executing any Credit Document or any other document delivered in connection herewith on
behalf of Parent and the Borrower; and (c) the certificate referred to in the foregoing <U>clause (b)</U> shall contain a certification
by an Authorized Officer of Parent and the Borrower as to the incumbency and specimen signature of the Secretary or Assistant Secretary
executing such certificate pursuant to <U>clause (b)</U> above;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Administrative Agent and the Lenders shall have received a copy of the Asset Level Term Loan Commitment Letter and such
Asset Level Term Loan Commitment Letter shall be in form and substance acceptable to the Required Lenders; <I>provided</I> that
the draft of the Asset Level Term Loan Commitment Letter via electronic mail at 6:33 p.m., New York time on June 15, 2020 shall
be deemed acceptable for the purposes of this <U>Section 4.01(g)</U>; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Administrative Agent and the Lenders shall have received a copy of the Investment Agreement and such Investment Agreement
shall be in form and substance acceptable to the Required Lenders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 4.02<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Conditions to the Funding of the Loan</I>. The obligation of each Lender to make the Loan pursuant to <U>Section 2.01</U>
is additionally subject to the satisfaction (or waiver in accordance with the terms hereof) of the following conditions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Administrative Agent, the Collateral Agent and each Lender shall have received all Fees and other amounts due and payable
on or prior to the Closing Date, including reimbursement or payment of all out of pocket expenses required to be reimbursed or
paid by the Borrower hereunder, under any other Credit Document or under the Agent Fee Letter referred to therein (including reasonable
fees and expenses of counsel to the extent invoiced at least one (1) Business Day prior to the Closing Date);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Administrative Agent shall have received a written (which may be delivered via electronic mail) Borrowing Request in
accordance with the requirements hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>all events of default under Indebtedness subject to the Third Forbearance Agreement shall have been waived or otherwise
remedied in accordance with the terms of the related Indebtedness, and the Borrower shall have provided written evidenced of such
waivers or other remedies in form and substance reasonably satisfactory to the Administrative Agent and the Lenders or such Indebtedness
has been or will be permanently repaid prior to or substantially concurrently with the Closing Date; (ii)&nbsp;immediately after
the funding of the Loans and the Asset Level Term Loans and the application of the proceeds thereof (including repayment of any
Indebtedness subject to the Third Forbearance Agreement), the aggregate outstanding principal (whether as &ldquo;repurchase price&rdquo;
or otherwise) obligations under Permitted Repo Indebtedness shall not (A) be less than $1.75 billion (exclusive of the Asset Level
Term Loan), (B) have weighted average maturity dates (or repurchase dates) earlier than the date that is six (6) months following
the Closing Date or (C) accrue interest (or price-differential) at a weighted-average margin above the applicable index of greater
than 4.0%;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>on and as of the Closing Date after giving effect to the Transactions, the representations and warranties set forth in <U>Article
3</U> and in each other Credit Document shall be true and correct in all material respects, except to the extent such representations
and warranties expressly relate to an earlier date;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>as of the Closing Date after giving effect to the Transactions, no Default or Event of Default shall have occurred and be
continuing or would result therefrom;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Administrative Agent and the Lenders shall have received a certificate, dated the Closing Date and signed by an Authorized
Officer of the Borrower, confirming compliance with the conditions precedent set forth in <U>clauses (c)</U>, <U>(d)</U>, <U>(e)</U>,
<U>(g)</U> and <U>(i)(A)</U> of this <U>Section&nbsp;4.02</U>;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Asset Level Term Loan shall have been funded contemporaneously with the funding of the Loans in an aggregate principal
amount of not less than $1.5 billion;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the conditions to the obligation of the purchasers to close the transactions contemplated by the Investment Agreement shall
have occurred and such transactions shall have been consummated in accordance with the terms of the Investment Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>(A) Parent shall have contributed 100% of the Equity Interests of MFA Securitization Holdings LLC to the capital of the
Borrower or a Subsidiary Guarantor such that, after giving effect to such contribution, (x) MFA Securitization Holdings LLC is
a direct Wholly Owned Subsidiary of the Borrower or a Subsidiary Guarantor, (y) Borrower is the sole direct Subsidiary of Parent
and (z) all Equity Interests of MFA Securitization Holdings LLC are pledged as Equity Interests pledged as Pledged Collateral under
the Pledged Agreement and (B) the Administrative Agent and the Lenders shall have received evidence reasonably satisfactory to
them of such contribution;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(j)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Administrative Agent and the Lenders shall have received:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>evidence reasonably satisfactory to it as to the proper filing of financing statements (Form UCC-1 or the equivalent) in
each jurisdiction as may be necessary or, in the reasonable opinion of the Collateral Agent and the Lenders, desirable, to perfect
the security interests purported to be created by the Pledge Agreement; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>evidence that all other actions necessary or, in the reasonable opinion of the Collateral Agent and the Lenders, desirable
to perfect and protect the security interests purported to be created by the Pledge Agreement have been taken (other than to the
extent such actions are required or permitted to be performed after the Closing Date), including the delivery to the Collateral
Agent (or its designee) of certificates in respect of the Certificated Securities or any intercompany notes, if any, pledged pursuant
to the Pledge Agreement and required to be delivered to the Collateral Agent, accompanied by signed and undated stock powers in
respect of such certificates and the Pledge Agreement shall be in full force and effect (<I>provided</I> that, notwithstanding
anything to the contrary contained herein or in the Pledge Agreement, if the Borrower has used commercially reasonable efforts
to do so, but it cannot or it is impracticable to, the delivery of such Certificated Securities, intercompany notes and stock powers
shall be provided in accordance with <U>Section 5.15</U> of this Agreement);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(k)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Administrative Agent and the Lenders shall have received a certificate from the chief financial officer of the Borrower
substantially in the form attached hereto as <U>Exhibit K</U> certifying that the Borrower and its subsidiaries, on a consolidated
basis after giving effect to the Transactions to occur on the Closing Date, are solvent;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(l)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Administrative Agent and the Lenders shall have received, on behalf of itself and the Lenders, the Closing Date Warrants
and a waiver by the board of directors of Parent, substantially in the form of <U>Exhibit L</U>, waiving the limitations on stock
ownership contained in Article NINTH of the Charter;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(m)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Administrative Agent and the Lenders shall have received evidence reasonably satisfactory to the Administrative Agent
and the Lenders that the Liens arising under the Forbearance Security and Collateral Agency Agreement will be released substantially
concurrently with the funding of the Loans and the Asset Level Term Loans and the application of the proceeds thereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(n)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Administrative Agent and the Lenders shall have received, at least five (5) Business Days prior to the Closing Date,
to the extent requested, all documentation and other information required by regulatory authorities under applicable &ldquo;know
your customer&rdquo; and anti-money laundering rules and regulations, including the USA PATRIOT Act;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(o)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Administrative Agent and the Lenders shall have received, at least one (1) Business Day prior to the Closing Date, <U>Schedule
6.01</U> (in each case, which shall be acceptable to the Required Lenders in its sole discretion); and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(p)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Asset Level Term Loan lenders shall have entered into a written agreement, in form and substance reasonably satisfactory
to the Lenders, with the Lenders to the effect that (i) the Lenders may purchase the obligations in respect of the Asset Level
Term Loan from the holders thereof during the continuation of certain events of default under the Asset Level Term Loan, (ii) may
participate in any auction of any collateral for the Asset Level Term Loan in connection with the enforcement of remedies in respect
of the Asset Level Term Loan, and (iii) the owner of the Equity Interests of MFA Omaha Borrower, LLC will be permitted to pledge
the Equity Interests of MFA Omaha Borrower, LLC to secure the Obligations so long as the Lenders agree to a customary non-petition
provision with respect to MFA Omaha Borrower, LLC and agree not to exercise remedies to foreclose on the pledge of the Equity Interests
of MFA Omaha Borrower, LLC unless the Asset Level Term Loan has been paid in full and the commitments to lend thereunder have terminated;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(q)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Administrative Agent and the Lenders shall have received (a) a copy of the certificate or articles of incorporation
or other equivalent formation document, including all amendments thereto, of each Credit Party, certified as of a recent date by
the Secretary of State (or other similar official) of the state of its organization, and a certificate as to the good standing
of each Credit Party as of a recent date, from such Secretary of State; (b) a certificate of the Secretary or Assistant Secretary
of each Credit Party dated the Closing Date and certifying (i) that attached thereto is a true and complete copy of the by-laws,
partnership agreement, limited liability company agreement, memorandum and articles of association or other equivalent governing
document of such Credit Party as in effect on the Closing Date and at all times since a date prior to the date of the resolutions
described in clause (ii) below, (ii) that attached thereto is a true and complete copy of resolutions duly adopted by the Board
of Directors (or equivalent governing body) of such Credit Party authorizing the execution, delivery and performance of the Credit
Documents to which such Credit Party is a party and that such resolutions have not been modified, rescinded or amended and are
in full force and effect on the Closing Date, (iii) that the certificate or articles of incorporation or other equivalent formation
document of such Credit Party has not been amended since the date of the last amendment thereto furnished pursuant to <U>clause
(a)</U> above, and (iv) as to the incumbency and specimen signature of each officer executing any Credit Document or any other
document delivered in connection herewith on behalf of such Credit Party; and (c) the certificate referred to in the foregoing
<U>clause (b)</U> shall contain a certification by an Authorized Officer of such Credit Party as to the incumbency and specimen
signature of the Secretary or Assistant Secretary executing such certificate pursuant to <U>clause (b)</U> above; <I>provided </I>that,
in the case of Parent and the Borrower, such certifications pursuant to <U>clause (b)</U> and <U>clause (c)</U> above may affirm
there have been no changes since the date of, or to the contents of, such Effective Date certifications;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(r)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Administrative Agent and the Lenders shall have received, on behalf of itself and the Lenders, a favorable written opinion
of (i) Skadden, Arps, Slate, Meagher &amp; Flom LLP, counsel for the Borrower, and (ii) Venable LLP, Maryland counsel to Parent,
each such opinion to be in form and substance reasonably satisfactory to the Administrative Agent and the Lenders, in each case
(A) dated the Closing Date, (B) addressed to the Administrative Agent and the Lenders, and (C) covering such matters relating to
the Credit Documents and the Transactions as the Administrative Agent or the Lenders shall reasonably request, and the Borrower
hereby requests such counsel to deliver such opinions; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(s)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Administrative Agent and the Lenders (or their respective counsel) shall have received from each Credit Party either
(i) a counterpart of each of the Pledge Agreement, the Guaranty and Intercompany Subordination Agreement, in each case, signed
on behalf of such Person party thereto or (ii) written evidence satisfactory to the Administrative Agent and the Lenders (which
may include facsimile or other electronic transmission of a signed counterpart of the Pledge Agreement, the Guaranty and Intercompany
Subordination Agreement) that such party has signed a counterpart of the Pledge Agreement and the Guaranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Closing Date shall
occur no later than the date that is five (5) Business Days after the Forbearance Termination Date but in any event not later than
July 1, 2020 (the &ldquo;<B>Commitment Termination Date</B>&rdquo;), and if the Closing Date shall not have occurred on or prior
to such date, the Commitments hereunder shall automatically terminate and be of no further force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Borrower&rsquo;s
acceptance of the proceeds of the Loans shall be deemed to constitute a representation and warranty by the Borrower on and as of
the date of the borrowing are made as to the matters specified above in this Section (other than as to any matters required to
be satisfactory to, approved by or otherwise acceptable to the Administrative Agent or any Lender or any items (including signature
pages) to be delivered by the Administrative Agent or any Lender).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">ARTICLE
5<BR>
AFFIRMATIVE COVENANTS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each Credit Party covenants
and agrees that (x) in the case of <U>Section 5.14</U>, from and after the Effective Date and (y) in the case of the other provisions
of this <U>Article 5</U>, from and after the Closing Date and until the Commitments have been terminated and the principal of and
interest on each Loan, all Fees, all indemnities and all expenses or other amounts payable under any Credit Document shall have
been paid in full in cash (other than contingent indemnification obligations and expense reimbursement for which no claim has been
made) (the date on which all such conditions are satisfied, the &ldquo;<B>Termination Date</B>&rdquo;), unless the Required Lenders
shall otherwise consent in writing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.01<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Information Covenants</I>. The Borrower will furnish to the Administrative Agent which will promptly furnish to each
Lender:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Quarterly Financial Statements</I>. As soon as available, and in any event within 45 days after the end of the first
three (3) fiscal quarters of each fiscal year of Parent or such later date as may be permitted by the SEC, its consolidated balance
sheet and related statements of comprehensive income as of the end of and for such fiscal quarter and the then elapsed portion
of the fiscal year and related statements of stockholders&rsquo; equity and cash flows as of the then elapsed portion of the fiscal
year, setting forth in each case in comparative form the figures for the corresponding prior period or periods (or in the case
of the balance sheet, as of the end of the previous fiscal year, and, in the case of the statement of shareholders&rsquo; equity,
no comparative disclosure), all of which shall be certified by an Authorized Officer of the Borrower that they fairly present in
all material respects in accordance with GAAP the financial condition of Parent and its Subsidiaries as of the dates indicated
and the results of their operations for the periods indicated, subject to normal year-end audit adjustments and the absence of
footnotes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Annual Financial Statements</I>. As soon as available, and in any event within 90 days after the end of each fiscal year
of Parent or such later date as may be permitted by the SEC, the consolidated balance sheet of Parent and its Subsidiaries as at
the end of such fiscal year and the related consolidated statements of income and stockholders&rsquo; equity and statement of cash
flows for such fiscal year setting forth comparative figures where applicable for the preceding fiscal year and reported on by
KPMG LLP or other independent certified public accountants of recognized national standing (which report shall be without a &ldquo;going
concern&rdquo; or like qualification or exception and without any qualification or exception as to scope of audit) (other than
a going concern qualification resulting from (i) an upcoming maturity date under this Agreement occurring within one (1) year from
the time such opinion is delivered or (ii) any potential inability to satisfy the financial covenants under <U>Section&nbsp;6.15</U>
on a future date or for a future period within one (1) year from the time such opinion is delivered)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Officer&rsquo;s Certificates</I>. At the time of the delivery of the financial statements provided for in <U>Section
5.01(a)</U> and <U>Section 5.01(b)</U>, a compliance certificate from an Authorized Officer of the Borrower substantially in the
form of <U>Exhibit D</U> certifying on behalf of the Borrower that, to such officer&rsquo;s knowledge after due inquiry, no Default
or Event of Default has occurred and is continuing or, if any Default or Event of Default has occurred and is continuing, specifying
the nature and extent thereof, which certificate shall (i)&nbsp;set forth in reasonable detail (A) the calculations required to
demonstrate the Debt to Value Ratio at the end of such fiscal quarter or year, as the case may be, and (B) a summary of all outstanding
Permitted Funding Indebtedness and the Asset Level Term Loan of each Credit Party, including the outstanding principal amount,
maturity date, maintenance covenants, and any other material information.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Liquidity Report. </I>No later than 15 days after the end of each fiscal quarter, commencing with the fiscal quarter
ended June 30, 2020, a liquidity certificate from an Authorized Officer of the Borrower in the form previously agreed among the
Borrower and the Lenders or a form reasonably satisfactory to the Required Lenders certifying on behalf of the Borrower as to the
Liquidity as of the close of business on the last day of such fiscal quarter; <I>provided</I> that the Borrower shall deliver the
calculation of Liquidity more frequently than quarterly upon the written request of any Lender (but not more frequently than once
per day) during the existence of a volatile market (as reasonably determined by such Lender), which delivery of such calculation
shall be made via email to the addresses set forth in <U>Section 9.01</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Notice of Default, Litigation and Material Adverse Effect</I>. Promptly, and in any event within five (5) Business Days
after any Authorized Officer obtains knowledge thereof, notice of (i) the occurrence of any Default or Event of Default, specifying
the nature and extent thereof and the corrective action (if any) taken or proposed to be taken with respect thereto, (ii) any litigation
or governmental investigation or proceeding pending, or any written threat or notice of intention of any Person to file or commence
any litigation or governmental investigation or proceeding, against any Credit Party or any Subsidiary (x) which, either individually
or in the aggregate, has had, or could reasonably be expected to have, a Material Adverse Effect or (y) with respect to any Credit
Document and (iii) any other event or change that has had, or could reasonably be expected to have, a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Other Reports and Filings</I>. Promptly after the filing or delivery thereof, copies of all financial information, proxy
materials and reports, if any, which any Credit Party shall publicly file with the Securities and Exchange Commission or any successor
thereto (the &ldquo;<B>SEC</B>&rdquo;), or any of its other material Indebtedness pursuant to the terms of the documentation governing
the same or deliver to holders (or any trustee, agent or other representative therefor) of any Equity Interests of the Borrower.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Certain Notices Related to Other Indebtedness</I>. As soon as practicable, and in any event no later than twenty-four
(24) hours after its receipt by any Credit Party or any Subsidiary thereof, (i) written notice from any holder of any Permitted
Funding Indebtedness or the Indebtedness under the Asset Level Term Loan of any &ldquo;event of default&rdquo; or equivalent thereunder
that is not waived or otherwise remedied and (ii) any &ldquo;margin call&rdquo;, &ldquo;borrowing base deficiency&rdquo; or the
equivalent under any Indebtedness of the Parent or any Subsidiary that remains unsatisfied after a Credit Party or any Subsidiary
has received prior notice thereof or demand for payment thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>USA PATRIOT Act Information</I>. Promptly following the Administrative Agent&rsquo;s or any Lender&rsquo;s request therefor,
all documentation and other information that the Administrative Agent or any Lender reasonably requests in order to comply with
its on-going obligations under applicable &ldquo;know your customer&rdquo; and anti-money laundering rules and regulations, including
the USA PATRIOT Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Other Information</I>. From time to time, such other information or documents (financial or otherwise) with respect to
any Credit Parties or any of their Subsidiaries as the Administrative Agent or any Lender (through the Administrative Agent) may
reasonably request; <I>provided</I> that no Loan Party will be required to disclose, permit the inspection, examination or making
copies of or abstracts from, or discussion of, any document, information or other matter (a) in respect of which disclosure to
the Administrative Agent or any Lender (or their respective representatives or contractors) is prohibited by Requirements of Law
or any contractual obligation or (b) is subject to attorney-client or similar privilege or constitutes attorney work product.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Any requirement to deliver documentation,
information, materials or reports or other information pursuant to this <U>Section 5.01</U> shall be deemed satisfied by the posting
of such documentation, information, materials or reports on EDGAR or any successor website maintained by the SEC or Parent&rsquo;s
website or a subsite thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.02<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Books, Records and Inspections</I>. Each Credit Party will, and will cause each Subsidiary to, keep proper books of record
and accounts in which full, true and correct entries in conformity in all material respects with GAAP shall be made in relation
to its business and activities. Each Credit Party will permit officers and designated representatives of the Administrative Agent
or the Required Lenders to visit and inspect, under guidance of officers of such Credit Party, any of the properties of such Credit
Party and to examine, copy and take extracts from the books of account of such Credit Party and discuss the affairs, finances and
accounts of such Credit Party with, and be advised as to the same by, its and their officers and independent accountants, all upon
reasonable prior notice and at such reasonable times during normal business hours and to such reasonable extent as the Administrative
Agent or the Required Lenders may reasonably request; <I>provided</I> that (i) the Credit Parties shall be given a reasonable opportunity
to participate in any discussions with accountants, (ii) such actions shall be at the Borrower&rsquo;s sole cost and expense, and
(iii) no Credit Party will be required to disclose, permit the inspection, examination or making copies of or abstracts from, or
discussion of, any document, information or other matter (x) in respect of which disclosure to the Administrative Agent or any
Lender (or their respective representatives or contractors) is prohibited by Requirements of Law or any contractual obligation
or (y) is subject to attorney-client or similar privilege or constitutes attorney work product.; <I>provided further</I> that (a)
only the Administrative Agent on behalf of the Lenders may exercise the visitation and inspection rights of the Administrative
Agent and the Lenders under this sentence and (b) except for any such visits during the continuation of an Event of Default, the
Administrative Agent shall not exercise such rights more often than one (1) time during any calendar year.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.03<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Maintenance of Property; Insurance</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Credit Party will, and will cause each Subsidiary to, (i) keep all material property necessary to the business of each
Credit Parties and each Subsidiary in good working order and condition, ordinary wear and tear excepted and subject to the occurrence
of casualty events, and force majeure and (ii) maintain or cause to be maintained with financially sound and reputable insurance
companies (determined at the time obtained and giving effect to such insurance), as is consistent and in accordance with industry
practice for companies similarly situated owning similar properties and engaged in similar businesses as the Credit Parties and
the Subsidiaries, and (iii) furnish to the Administrative Agent, upon its request therefor, full information as to such insurance
carried. Such insurance to the extent consistent with the foregoing shall include physical damage insurance on all real and personal
property (whether now owned or hereafter acquired) on a comprehensive basis and business interruption insurance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>If any Credit Party or any Subsidiary shall fail to maintain or cause to be maintained insurance in accordance with this
<U>Section&nbsp;5.03</U>, the Administrative Agent shall have the right (but shall be under no obligation) to procure such insurance
and the Borrower agrees to reimburse the Administrative Agent for all costs and expenses of procuring such insurance, <I>provided</I>
that the Administrative Agent shall furnish written notice to the Borrower of its intent to procure such insurance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.04<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Existence; Franchises</I>. Each Credit Party will, and will cause each Subsidiary (other than any Immaterial Subsidiary)
to, at all times preserve and keep in full force and effect its existence and all rights, privileges, franchises, licenses and
permits necessary or material to its business except (other with respect to the existence of the Credit Parties) to the extent
the failure to do so could not reasonably be expected to result in a Material Adverse Effect; <I>provided</I> that nothing in this
<U>Section 5.04</U> shall prevent sales of assets and other transactions by any Credit Party or any Subsidiary permitted by <U>Section
6.02</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.05<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Compliance
with Statutes, Etc</I>. Each Credit Party will, and will cause each Subsidiary to, comply with all applicable statutes, regulations
and orders of, and all applicable restrictions imposed by, all Governmental Authorities in respect of the conduct of its business
and the ownership of its property (including applicable statutes, regulations, orders and restrictions relating to environmental
standards and controls), except such non-compliances as could not, either individually or in the aggregate, reasonably be expected
to have a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.06<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Compliance with Environmental Laws</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Credit Party will, and will cause each Subsidiary to, comply with all Environmental Laws and permits applicable to,
or required by, its operations or the ownership, lease, occupancy, or use of its Real Property now or hereafter owned, leased or
operated by each Credit Party and each Subsidiary, except such noncompliance that could not, either individually or in the aggregate,
reasonably be expected to have a Material Adverse Effect, and will promptly pay or cause to be paid all costs and expenses incurred
in connection with such compliance, and will keep or cause to be kept all such Real Property free and clear of any Liens imposed
pursuant to such Environmental Laws except, in each case, for Permitted Liens related thereto. Neither any Credit Party will, nor
will any Credit Party permit any Subsidiary to, generate, use, treat, store, Release or dispose of Hazardous Materials on any Real
Property now or hereafter owned, leased or operated by any Credit Party or any Subsidiary, or transport Hazardous Materials to
or from any such Real Property, except for Hazardous Materials generated, used, treated, stored, Released or disposed of at or
transported from, any such Real Properties except such activities as could not, either individually or in the aggregate, reasonably
be expected to have a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>(i) At any time that any Credit Party or any Subsidiary are not in compliance with <U>Section 5.06(a)</U>, or (ii) in the
event that the Administrative Agent or the Lenders have exercised any of the remedies pursuant to the last clause of <U>Section
7.01</U>, each Credit Party will (in each case) provide, at the sole expense of the Borrower and at the request of the Administrative
Agent, a non-invasive environmental site assessment report concerning the Real Property owned, leased or operated by any Credit
Party or any Subsidiary that is in question, prepared by an environmental consulting firm reasonably approved by the Administrative
Agent, indicating the presence or absence of Hazardous Materials or noncompliance and the potential cost of any removal or remedial
action required by a Governmental Authority in connection with such Hazardous Materials or noncompliance on such Real Property.
If any Credit Party or any Subsidiary fails to provide the same within 60 days after such request was made, the Administrative
Agent may order the same, the cost of which shall be borne by the Borrower, and the Borrower and each other Credit Party will,
and will cause each Subsidiary to, grant and hereby grants to the Administrative Agent and the Lenders and their respective agents
access to such Real Property and specifically grants the Administrative Agent and the Lenders an irrevocable non-exclusive license,
subject to the rights of tenants, to undertake such an assessment at any reasonable time upon reasonable notice to the Borrower,
all at the sole expense of the Borrower.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.07<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>ERISA</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Credit Party shall furnish written notice to the Administrative Agent promptly, and in any event within three (3) Business
Days after any responsible officer of any Credit Party knows, or has reason to know, that any ERISA Event has occurred or is reasonably
likely to occur that, alone or together with any other ERISA Event could reasonably be expected to result in liability of any Credit
Party or any Subsidiary in an aggregate amount that would reasonably be expected to have a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Credit Party shall, and shall cause each Subsidiary and each ERISA Affiliate to, maintain and operate each Plan in
compliance in all material respects with its terms and the applicable provisions of ERISA and the Code, and each Credit Party shall,
and shall cause each Subsidiary and ERISA Affiliate to comply with their respective obligations with respect to each Multiemployer
Plan, except, in each case, for non-compliance which could not reasonably be expected to result in liability of any Credit Party
or any Subsidiary in an aggregate amount that would reasonably be expected to have a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.08<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>End of Fiscal Years; Fiscal Quarters</I>. The Borrower will cause (i) its and each of its Domestic Subsidiaries&rsquo;
fiscal years to end on December 31 of each calendar year and (ii) its and each of its Domestic Subsidiaries&rsquo; fiscal quarters
to end on March 31, June 30, September 30 and December 31 of each calendar year.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.09<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Conference Calls. </I>Upon the request of the Administrative Agent or the Required Lenders, the Borrower shall (and shall
cause appropriate members of senior management of the Borrower and Parent to) participate in a conference call with the Administrative
Agent and the Lenders up to two (2) times during each fiscal year, at such time and on such date as may be reasonably agreed to
by the Borrower and the Administrative Agent and upon reasonable prior notice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.10<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Tax Matters</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Parent, the Borrower and each Subsidiary will timely pay and discharge all Taxes, assessments and governmental charges
or levies imposed upon it or upon its income or profits or upon any properties belonging to it, unless (i) the same are being contested
in good faith by appropriate proceedings diligently conducted and adequate reserves in accordance with GAAP are being maintained
by the Credit Parties and each Subsidiary and shown in their financial statements, except to the extent that the failure to do
so could not be reasonably expected to have a Material Adverse Effect, and (ii) in the case of a Tax or claim which has or may
become a Lien against any of the Collateral, such contest proceedings conclusively operate to stay the sale of any portion of the
Collateral to satisfy such Tax or claim.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>For federal income tax purposes, pursuant to Treasury Regulations &sect;1.1273-2(h), the Borrower, the Administrative Agent
and the Lenders acknowledge that the &ldquo;issue price&rdquo; of the Loans is 99% of the stated principal amount of the Loans
minus the purchase price of the Closing Date Warrants (as determined pursuant to the Investment Agreement). Each of the Borrower
and the Lenders accordingly shall treat the issue price of the Loans for federal income tax purposes as 99% of the stated principal
amount of the Loans minus the purchase price of the Closing Date Warrants. In accruing &ldquo;original issue discount&rdquo; on
the Loans for U.S. federal income tax purposes, in accordance with Treasury Regulation 1.1272-1(c)(5), the Borrower will be assumed
to repay the Loans in such a manner as to minimize the yield on the Loans.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>From and after the Closing Date, Parent will continue to be organized and operated in conformity with the requirements for
qualification and taxation as a REIT under the Code, and the Borrower will continue at all times to be a Qualified REIT Subsidiary
of Parent, unless otherwise consented to by the Administrative Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.11<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Use of Proceeds</I>. The Borrower and each other Credit Party will use the proceeds of the Loans, together with the proceeds
of the Closing Date Warrants, only for (a) the permanent repayment of a portion of certain Repo Indebtedness of the Borrower and
its Subsidiaries, (b) the payment of the Preferred Stock Accumulated Dividends in respect of the Existing Preferred Stock, (c)
the payment of fees and expenses incurred in connection with the Transactions, and (d) for general company purposes and working
capital for Parent and its Subsidiaries, including making Investments and taking any action not otherwise prohibited by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.12<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Additional Security; Further Assurances; Etc</I>. The Borrower and each other Credit Party shall promptly following the
creation, formation, or acquisition of any Subsidiary (and, in any event, within sixty (60) days, as such time period may be extended
by the Administrative Agent in its sole discretion) cause such Subsidiary now existing or created, formed or acquired to (a) to
the extent such Subsidiary is party to any Intercompany Loan that is evidenced by a note, cause such Subsidiary to deliver such
note to the Administrative Agent, (b) to the extent such Subsidiary is not a Subsidiary Guarantor, notify the Administrative Agent
and the Lenders of the creation, formation, or acquisition of such Subsidiary and, upon the reasonable request of the Administrative
Agent or the Required Lenders, cause such Subsidiary (other than an Excluded Subsidiary) to become a party to the Guaranty and
grant a security interest in the Equity Interests owned by such Subsidiary (other than any Excluded Pledges) by delivering to the
Administrative Agent a duly executed supplement to the Pledge Agreement or such other document as the Administrative Agent shall
deem appropriate for such purpose, (c) upon the request of the Administrative Agent or the Required Lenders, deliver to the Administrative
Agent any Certificated Securities issued by such Subsidiary (other than any Excluded Pledges), if any, and assignments related
thereto, (d) deliver to the Administrative Agent such updated schedules to the Credit Documents as requested by the Administrative
Agent with respect to such Subsidiary, (e) except in the case of any Excluded Subsidiary, deliver to the Administrative Agent counterparts,
joinders or similar documents with respect to the Guaranty, the Pledge Agreement and the Intercompany Subordination Agreement and
(f) except in the case of any Excluded Subsidiary, deliver to the Administrative Agent such other documents as may reasonably requested
by the Administrative Agent, all in form, content and scope reasonably satisfactory to the Administrative Agent (collectively,
the &ldquo;<B>Additional Pledge Documents</B>&rdquo;). All such security interests shall be granted pursuant to documentation reasonably
satisfactory in form and substance to the Collateral Agent and shall constitute valid and enforceable perfected security interests,
superior to and prior to the rights of all third Persons and enforceable against third parties and subject to no other Liens, other
than involuntary Liens permitted under <U>Section 6.01</U>. The Additional Pledge Documents or instruments, filings or documents
related thereto shall be duly recorded or filed in such manner and in such places as are required by law to establish, perfect,
preserve and protect the Liens in favor of the Collateral Agent required to be granted pursuant to the Additional Pledge Documents
and all Taxes, fees and other charges payable in connection therewith shall be paid in full.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.13<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Sanctions; Anti-Corruption Laws</I>. Each Credit Party and each Subsidiary will materially comply with all applicable
Anti-Corruption Laws, Anti-Money Laundering Laws, and Sanctions. Parent shall maintain in effect (or shall cause its Subsidiaries
to maintain in effect) policies reasonably designed to promote compliance by Parent, its Subsidiaries, and their respective directors,
officers, employees, and agents with applicable Sanctions, Anti-Money Laundering Laws, and Anti-Corruption Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.14<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Closing of the Transactions</I>. The Credit Parties shall (a) use commercially reasonable efforts, in good faith, to
(i) close the Transactions prior to the Forbearance Termination Date but in any event not later than July 1, 2020 and (ii) satisfy
each of the conditions precedent to the funding of the Loans set forth in <U>Section 4.02</U> (and, solely to the extent that such
Credit Party cannot satisfy the conditions after the use of its commercially reasonable efforts in good faith, request the waiver
of such conditions in accordance with this Agreement) and (b) in the case of the Borrower, deliver a Borrowing Request in accordance
with <U>Section 2.03</U> for the Loan in an amount not less than the full Commitment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.15<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Post-Closing</I>. To the extent certificates in respect of the Certificated Securities or any intercompany notes, if
any, pledged pursuant to the Pledge Agreement and required to be delivered to the Collateral Agent are not delivered to the Collateral
Agent or its designee on or prior to the Closing Date, accompanied by signed and undated stock powers or other appropriate instruments
of transfer, after using commercially reasonable efforts, the Credit Parties shall deliver the same to the Collateral Agent as
soon as practical thereafter but in any event no later than sixty (60) days following the Closing Date; <I>provided further</I>
that if such Certificated Securities or intercompany notes have not been delivered on or prior to the date that is sixty (60) days
following the Closing Date after using commercially reasonable efforts, the Credit Parties shall not be in beach of this Section
5.15 so long as the Credit Parties deliver a certificate to the Administrative Agent, which shall certify that such Certificated
Securities or intercompany notes are not held by any third party and continue to use commercially reasonable efforts to deliver
such Certificated Securities or intercompany notes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">ARTICLE
6<BR>
NEGATIVE COVENANTS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Credit Parties
covenants and agrees with each Lender that from and after the Closing Date and until the Termination Date, unless the Required
Lenders shall otherwise consent in writing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6.01<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Liens</I>. The Credit Parties will not, and will not permit any of the Subsidiaries to, directly or indirectly, create,
incur, assume or suffer to exist any Lien upon or with respect to any property or assets of any Credit Party or any Subsidiary
of the Credit Parties, whether now owned or hereafter acquired, or on any income or revenues or rights in respect of any thereof
except (Liens described below are herein referred to as &ldquo;<B>Permitted Liens</B>&rdquo;):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Liens for Taxes not yet due and payable or that are diligently being contested in good faith by appropriate proceedings
and adequately disclosed and fully provided for on the financial statements of the Company in accordance with GAAP;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Liens in respect of property or assets of any Credit Party or any Subsidiary imposed by law (other than Liens imposed under
ERISA), which were incurred in the Ordinary Course of Business and do not secure Indebtedness for borrowed money, such as carriers&rsquo;,
warehousemen&rsquo;s, materialmen&rsquo;s and mechanics&rsquo; liens, statutory and common law landlord&rsquo;s liens and other
similar Liens arising in the Ordinary Course of Business, and in each case (i) which are for amounts that are not past-due for
a period of more than sixty (60) days or (ii) which are being contested in good faith by appropriate proceedings, diligently conducted,
if adequate reserves with respect thereto are maintained on the books of the applicable Person to the extent required in accordance
with GAAP;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Liens in existence on the Closing Date which are listed, and the property subject thereto described, in <U>Schedule 6.01</U>
(it being understood and agreed that such schedule may be updated following the Effective Date and prior to the Closing Date with
the consent of the Required Lenders in their sole discretion);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Liens created by or pursuant to this Agreement and the other Credit Documents;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>(i) non-exclusive licenses, non-exclusive sublicenses, leases or subleases granted by the Borrower or any Subsidiary of
the Borrower to other Persons in the Ordinary Course of Business and not materially interfering with the conduct of the business
of the Borrower or any Subsidiary and (ii) any interest or title of a lessor, sublessor or licensor under any operating lease or
license agreement entered into by the Borrower or any Subsidiary in the Ordinary Course of Business and covering only the assets
so leased or licensed;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Liens upon assets of the Borrower or any Subsidiary of the Borrower subject to Capitalized Lease Obligations to the extent
such Capitalized Lease Obligations are permitted by <U>Section&nbsp;6.04(f)</U>, <I>provided</I> that (i) such Liens only serve
to secure the payment of Indebtedness arising under such Capitalized Lease Obligation and (i) the Lien encumbering the asset giving
rise to the Capitalized Lease Obligation does not encumber any other asset of the Borrower or such Subsidiary (other than property
financed by such Indebtedness and proceeds thereof and improvements affixed thereto);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Liens placed upon fixed or capital assets used in the Ordinary Course of Business of the Borrower or any Subsidiary of the
Borrower and placed at the time of the acquisition thereof by the Borrower or such Subsidiary or within 90 days thereafter to secure
Indebtedness incurred to pay all or a portion of the purchase price thereof or to secure Indebtedness incurred solely for the purpose
of financing the acquisition of any such assets, or extensions, renewals or replacements of any of the foregoing for the same or
a lesser amount, <I>provided</I> that (i) the Indebtedness secured by such Liens is permitted by <U>Section&nbsp;6.04(f)</U> and
(i) in all events, the Lien encumbering the assets so acquired does not encumber any other asset of the Borrower or such Subsidiary
(other than property financed by such Indebtedness and proceeds thereof or improvements thereon);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>easements, right-of-way, restrictions, encroachments and other similar charges or encumbrances, not securing Indebtedness
and not materially interfering with the conduct of the business of the Borrower or any Subsidiary;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Liens arising from precautionary UCC financing statement filings regarding operating leases, consignment arrangements or
bailee arrangements entered into, or dispositions of assets by the Borrower or any Subsidiary otherwise permitted under <U>Section&nbsp;6.02</U>
consummated in the Ordinary Course of Business;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(j)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Liens arising out of the existence of judgments or awards not constituting an Event of Default under <U>Section&nbsp;7.01(j)</U>;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(k)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>(i) Liens (other than Liens imposed under ERISA) incurred in the Ordinary Course of Business in connection with workers
compensation claims, unemployment insurance and other social security legislation and (ii) Liens securing the performance of bids,
trade contracts, performance and completion guarantees, tenders, leases and contracts in the Ordinary Course of Business, statutory
obligations, surety bonds, performance bonds and other obligations of a like nature incurred in the Ordinary Course of Business;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(l)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>(i) bankers&rsquo; Liens, rights of setoff and other similar Liens existing solely with respect to cash and Cash Equivalents
on deposit in one (1) or more accounts maintained by Parent or any Subsidiary, in each case granted in the Ordinary Course of Business
and which are customary in the banking industry in favor of the bank or banks with which such accounts are maintained, securing
amounts owing to such bank or banks with respect to cash management and operating account arrangements and (ii) Liens of a collection
bank arising under Section&nbsp;4-210 of the UCC on items in the course of collection;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(m)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Liens (i) securing Permitted Funding Indebtedness so long as any such Liens shall encumber only the Permitted Funding Assets
(a) originated, acquired or funded with the proceeds of such Permitted Funding Indebtedness, or (b) otherwise established, created
or in existence because of or in connection with such Permitted Funding Indebtedness or (ii) arising in connection with transfers
permitted by <U>Section 6.02(n)</U>;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(n)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Liens on Permitted Funding Assets to secure the Indebtedness permitted by <U>Section&nbsp;6.04(d)</U> or in connection with
transfers permitted by <U>Section 6.02(n)</U>;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(o)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Liens on cash, Cash Equivalents and restricted accounts containing cash and Cash Equivalents in connection with the defeasance,
discharge or redemption of Indebtedness; <I>provided</I> that such defeasance, discharge or redemption is permitted hereunder;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(p)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>[reserved];</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(q)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Liens securing obligations under Interest Rate Protection Agreements or Permitted Credit Default Swaps, in each case, not
entered into for speculative purposes so long as such Liens are limited to cash, cash equivalents and, in the case of the Borrower
or any Subsidiary of the Borrower, the Permitted Funding Assets hedged thereby; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(r)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>other Liens securing obligations in an outstanding amount not to exceed $15,000,000.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6.02<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Consolidation, Merger, Sale of Assets, Etc</I>. The Credit Parties will not, and will not permit any of the Subsidiaries
to, wind up, liquidate or dissolve its affairs or consummate any merger or consolidation, or convey, sell, lease or otherwise dispose
of all or any part of its property or assets (other than sales of inventory in the Ordinary Course of Business, but including the
issuance of Equity Interests of any Subsidiary of Parent (other than an issuance by the Borrower to Parent to any Wholly Owned
Subsidiary of the Borrower), or consummate any sale-leaseback transactions with any Person, except the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>disposition of cash and Cash Equivalents shall be permitted;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Subsidiaries (other than the Borrower) may liquidate or otherwise dispose of obsolete or worn-out property or property
no longer useful in their respective businesses in the Ordinary Course of Business;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Investments may be made to the extent permitted by <U>Section&nbsp;6.05</U> and Restricted Payments to the extent permitted
by <U>Section&nbsp;6.03</U>;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Borrower and any Subsidiary of the Borrower may sell assets (<I>provided</I> that any sale of less than all the capital
stock or other Equity Interests of any Subsidiary in accordance with this <U>clause (d)</U> shall be deemed to be an Investment
by the Borrower or the applicable Subsidiary in the capital stock or other Equity Interests not so sold in an amount equal to the
Fair Market Value of such capital stock or other Equity Interests), so long as (i) no Default or Event of Default then exists or
would result therefrom (including as a result of any such deemed investment), (ii) the Borrower or the respective Subsidiary receives
at least Fair Market Value and (iii) after giving effect to such disposition, the Debt to Value Ratio (as determined on a <I>pro
forma basis)</I> either (A) is no greater than 0.80 to 1.00 or (B) will decrease after giving effect to such transaction (and the
application of funds related thereto);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Borrower and the Subsidiaries of the Borrower may enter into Sales, leases, conveyances and other dispositions of assets,
so long as (i) no Default or Event of Default then exists or would result therefrom (including as a result of any such Sale, lease,
conveyance and other disposition of assets), (ii) the Borrower or the respective Subsidiary receives at least Fair Market Value
and (iii) after giving effect to such Sale, lease, conveyance and other disposition of assets, the Debt to Value Ratio (as determined
on a <I>pro forma basis)</I> either (A) is no greater than 0.80 to 1.00 or (B) will decrease after giving effect to such transaction
(and the application of funds related thereto) (<I>provided</I> that any sale of less than all the capital stock or other Equity
Interests of any such Subsidiary in accordance with this <U>clause (e)</U> shall be deemed to be an Investment by the Borrower
or the applicable Subsidiary in the capital stock or other Equity Interests not so sold in an amount equal to the Fair Market Value
of such capital stock or other Equity Interests);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Borrower and any Subsidiary of the Borrower may lease (as lessee) or license (as licensee) real or personal property
in the Ordinary Course of Business (so long as any such lease or license does not create a Capitalized Lease Obligation except
to the extent permitted by <U>Section&nbsp;6.04(d)</U>);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Borrower and any Subsidiary of the Borrower may sell or discount, in each case without recourse and in the Ordinary
Course of Business, accounts receivable arising in the Ordinary Course of Business, but only in connection with the compromise
or collection of delinquent accounts receivable and not as part of any financing transaction;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Borrower and each Subsidiary of the Borrower may grant licenses, sublicenses, leases or subleases (or other grants of
rights to use) to other Persons (x)&nbsp;in the Ordinary Course of Business, (y)&nbsp;existing on the Closing Date, or (z)&nbsp;between
or among the Credit Parties;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>any Subsidiary of the Borrower may convey, sell or otherwise transfer all or any part of its business, properties and assets
to the Borrower or to any Wholly Owned Domestic Subsidiary of the Borrower;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(j)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>any Subsidiary of the Borrower may merge or consolidate with and into, or be dissolved or liquidated into, the Borrower
or any Wholly Owned Domestic Subsidiary, so long as (i) in the case of any such merger, consolidation, dissolution or liquidation
involving the Borrower, the Borrower is the surviving or continuing entity of any such merger, consolidation, dissolution or liquidation,
(ii) in the case of a merger of any non-Wholly Owned Subsidiary with any Wholly Owned Subsidiary, the Wholly Owned Subsidiary shall
be the survivor or such transaction shall be deemed an Investment by such Borrower (directly or indirectly) in such non-Wholly
Owned Subsidiary and (iii) in the case of a Subsidiary Guarantor, a Subsidiary Guarantor is the surviving or continuing entity
of any such merger, consolidation, dissolution or liquidation;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(k)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>any Subsidiary of the Borrower that is not a Subsidiary Guarantor (other than a Securitization Entity, a Repo Debt Entity,
a REO Subsidiary or a Repo Subsidiary) may convey, sell, lease or otherwise dispose of all or any part of its property or assets
to, or merge or consolidate with and into, or be dissolved or liquidated into, the Borrower or any other Subsidiary, in each case
so long as (i) no Event of Default shall result therefrom, (ii) in the case of any such merger, consolidation, dissolution or liquidation
involving the Borrower, the Borrower is the surviving or continuing entity of any such merger, consolidation, dissolution or liquidation,
(iii) in the case of any such merger, consolidation, dissolution or liquidation involving a Subsidiary Guarantor (but not involving
the Borrower), such Subsidiary Guarantor is the surviving or continuing entity of any such merger, consolidation, dissolution or
liquidation and (iv) after giving effect to such disposition, the Debt to Value Ratio (as determined on a <I>pro forma basis)</I>
either (A) is no greater than 0.80 to 1.00 or (B) will decrease immediately after giving effect to such transaction (and the application
of funds related thereto);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(l)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Credit Parties and their Subsidiaries may liquidate or otherwise dispose of Cash Equivalents in the Ordinary Course
of Business for cash or Cash Equivalents;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(m)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>[reserved];</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(n)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Subsidiaries of the Borrower may make sales, contributions, assignments or other transfers of Permitted Funding Assets
(including any intermediate sales, contributions, assignments or other transfers) to Securitization Entities, Repo Debt Entities,
REO Subsidiaries and Repo Subsidiaries in connection with Permitted Funding Indebtedness;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(o)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the modification of any Permitted Funding Assets owned by the Borrower or any of the Subsidiaries in the Ordinary Course
of Business shall be permitted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(p)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the settlement, unwinding, cancellation or termination of any Interest Rate Protection Agreements and/or any Permitted Credit
Default Swap;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(q)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>(i) the issuance of any Convertible Debt Securities permitted by <U>Section 6.04</U> and (ii) delivery of common stock of
Parent upon (x) conversion, exchange or settlement of any Convertible Debt Security or (y) the exercise, unwinding, termination
or cancellation of the Closing Date Warrants;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(r)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the discontinuation, abandonment, allowing to lapse or expire, or other disposition of any intellectual property which,
in the reasonable judgment of the Borrower, is no longer economically practicable to maintain or necessary in any material respect
for the conduct of the business of the Credit Parties and their Subsidiaries, taken as a whole; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(s)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>so long as no Event of Default shall have occurred and be continuing or would result therefrom, the Credit Parties and their
Subsidiaries may sell, transfer, convey or otherwise dispose of assets in an aggregate amount in any Fiscal Year of up to $1,000,000.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6.03<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Restricted Payments</I>. The Credit Parties will not, and will not permit any of the Subsidiaries to, directly or indirectly,
authorize, make or pay any Restricted Payments, except that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>(i)&nbsp;any Subsidiary of the Borrower may make Restricted Payments to the Borrower or to any Wholly Owned Domestic Subsidiary
and (ii)&nbsp;any Non-Wholly Owned Subsidiary may make Restricted Payments to its shareholders, members or partners generally so
long as Parent, the Borrower or a Subsidiary which owns the Equity Interests in the Subsidiary making such Restricted Payments
receives at least its proportionate share thereof (based upon its relative holding of the Equity Interests in the Subsidiary making
such Restricted Payments);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>So long as no Default or Event of Default (or in the case of <U>clause (iii)(A)</U> below, no Default or Event of Default
under <U>Section 7.01(a)</U>, <U>Section 7.01(f)</U> or <U>Section 7.01(c)</U> (in respect of <U>Section 5.10(c)</U>)) has occurred
and is continuing or would result therefrom (including non-compliance with <U>Section&nbsp;6.15</U> after giving effect to such
Restricted Payment) the Borrower may make Restricted Payments to Parent to enable Parent to (and Parent may make such Restricted
Payments to):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.65in; text-align: justify; text-indent: 0.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>make payment of Dividends in the amount, and at the times, required pursuant to the Existing Preferred Stock, including
the Preferred Stock Accumulated Dividends;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.65in; text-align: justify; text-indent: 0.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>declare and pay a Dividend in respect of the Equity Interests of Parent constituting common stock in an aggregate amount
(together with all other declarations and payments of such Dividends pursuant to this clause (ii) on or after the Closing Date)
not to exceed 100% of consolidated net income (determined in accordance with GAAP) of the Borrower and its Subsidiaries generated
on or after July 1, 2020 and prior to the date of the declaration of such Dividend; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.65in; text-align: justify; text-indent: 0.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>to the extent the declaration and payment of Dividends under <U>clause (b)(ii)</U> of this <U>Section&nbsp;6.03</U> is not
then permitted or, in the case of <U>clause (A)</U> hereof, not sufficient, pay Dividends in respect of the Equity Interests of
Parent constituting common stock at the time and in an amount&nbsp;not to exceed the greater of (A) the minimum Dividend necessary
to maintain Parent&rsquo;s status as a REIT under Sections 856 through 860 of the Code and, so long as no Default is continuing
or would result therefrom, avoid the payment by Parent of any federal, state or local entity-level income or excise tax, including
pursuant to Sections 857, and 4981 of the Code and (B) $0.01 per share of such Equity Interests of Parent constituting common stock;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.65in; text-align: justify; text-indent: 0.5in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>to the extent the declaration and payment of such Dividends under clause (b)(ii) and (iii) of this <U>Section 6.03</U> is
not then permitted, declare and pay ordinary Dividends in respect of the Equity Interests of Parent constituting common stock (up
to the full amount as approved and declared by the board of directors of the Parent, but excluding any special dividend) in an
aggregate amount (together with all other declarations and payments of such Dividends pursuant to <U>clauses (i)</U>, <U>(ii)</U>
and <U>(iii)</U> above and this <U>clause (iv)</U>, in each case on or after the Closing Date) not to exceed 100% of the difference,
if positive, in the Economic Book Value of the Borrower and its Subsidiaries on the date of the declaration of such Dividend and
the Economic Book Value of the Borrower and its Subsidiaries on June 30, 2020;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Parent may (A) repurchase Equity Interests in connection with the exercise of stock options or warrants to the extent such
Equity Interests represent a portion of the exercise price of those stock options or warrants and (B) repurchase Equity Interests
or options to purchase Equity Interests in connection with the exercise of stock options to the extent necessary to pay applicable
withholding taxes;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Parent may pay cash in lieu of fractional shares upon conversion or exchange of any Convertible Debt Security;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Parent may deliver common stock and cash payments upon unwinding, termination cancellation or exercise of the Closing Date
Warrants;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>[reserved]<FONT STYLE="background-color: white">; and </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>so long as no Event of Default shall have occurred and be continuing or be caused thereby, the Credit Parties and their
Subsidiaries may make Restricted Payments in an aggregate amount not to exceed $15,000,000.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6.04<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Indebtedness</I>. The Credit Parties will not, and will not permit any of the Subsidiaries to, directly or indirectly,
contract for, create, incur, assume or suffer to exist any Indebtedness, except:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Indebtedness incurred pursuant to this Agreement and the other Credit Documents;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>(i) the Asset Level Term Loan and (ii)&nbsp;any Permitted Refinancing thereof; <I>provided </I>that (A) other than for extensions
of the Asset Level Term Loan in accordance with the provisions contemplated by the Asset Base Term Loan Commitment Letter, the
Debt to Value Ratio (as determined on a pro forma basis) is no greater than 0.80 to 1.00 immediately after such Permitted Refinancing,
and (B) the holders of such Permitted Refinancing Indebtedness have entered into written agreement, in form and substance reasonably
satisfactory to the Lenders, with the Lenders to the effect that (x) the Lenders may purchase the obligations in respect of such
Permitted Refinancing Indebtedness from the holders thereof during the continuation of certain events of default thereunder, and
(y) may participate in any auction of any collateral securing such Permitted Refinancing Indebtedness, and (C) 100% of the Equity
Interests in each Asset Level Borrower must be pledged as Pledged Collateral under the Pledge Agreement (unless any such Asset
Level Borrower is Wholly Owned by another Asset Level Borrower and 100% of such owning Asset Level Borrower&rsquo;s Equity Interests
are pledged as Pledged Collateral under the Pledge Agreement);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Permitted Subordinated Debt and any Permitted Refinancing thereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Permitted Funding Indebtedness of the Borrower or any Subsidiary of the Borrower so long as the Debt to Value Ratio (as
determined on a <I>pro forma basi</I>s) is no greater than 0.80 to 1.00 immediately after any incurrence thereof (it being understood
that the Debt to Value Ratio is not required to be re-tested in connection with the &ldquo;rolling&rdquo; or &ldquo;continuation&rdquo;
of any Permitted Repo Indebtedness arising under any master repurchase agreement but the Debt to Value Ratio is required to be
re-tested in connection with the incurrence of any new money under any Permitted Funding Indebtedness or the establishment of any
new facility for Permitted Funding Indebtedness);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Indebtedness of Parent, the Borrower and any Subsidiary of the Borrower under (i) Interest Rate Protection Agreements so
long as the entering into of such Interest Rate Protection Agreements are <I>bona fide</I> hedging activities in the Ordinary Course
of Business and are not for speculative purposes and (ii) Permitted Credit Default Swaps;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Indebtedness of the Borrower and any Subsidiary of the Borrower evidenced by Capitalized Lease Obligations described in
<U>Section&nbsp;6.01(f)</U> and purchase money Indebtedness described in <U>Section&nbsp;6.01(g)</U>, <I>provided</I> that in no
event shall the sum of the aggregate principal amount of all Capitalized Lease Obligations and purchase money Indebtedness permitted
by this <U>clause (f)</U> exceed $1,000,000 at any time outstanding;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Indebtedness constituting Intercompany Loans to the extent permitted by <U>Section&nbsp;6.05(f)</U>;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Indebtedness arising from the honoring by a bank or other financial institution of a check, draft or similar instrument
drawn against insufficient funds in the Ordinary Course of Business, so long as such Indebtedness is extinguished within five (5)&nbsp;Business
Days of its incurrence;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Indebtedness of Parent and the Subsidiaries with respect to performance bonds, surety bonds, appeal bonds or customs bonds
required in the Ordinary Course of Business or in connection with the enforcement of rights or claims of the Borrower or any Subsidiary
or in connection with judgments that do not result in a Default or an Event of Default;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(j)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Indebtedness of the Borrower and any Subsidiary of the Borrower which may be deemed to exist in connection with customary
agreements providing for indemnification, purchase price adjustments and similar obligations in connection with the acquisition
or disposition of assets in connection with transactions otherwise permitted hereunder, so long as any such obligations are those
of the Person making the respective acquisition or sale, and are not guaranteed by any other Person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(k)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Indebtedness with respect to any Convertible Debt Security;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(l)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The 2042 Notes and Permitted Refinancings thereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(m)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>so long as no Event of Default shall have occurred and be continuing or be caused thereby, the Credit Parties may incur
Indebtedness in an aggregate amount not to exceed $15,000,000; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(n)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Indebtedness incurred pursuant to letters of credit, bank guarantees and similar support instruments in an aggregate amount
not to exceed $5,000,000 at any time outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6.05<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Advances, Investments and Loans</I>. The Credit Parties will not, and will not permit any of the Subsidiaries to, directly
or indirectly, make or permit to exist any advance, loan, extension of credit (by way of guaranty or otherwise) or capital contribution
to, or purchase, hold or acquire any Equity Interest, bonds, notes, debentures, evidence of indebtedness or other securities of,
or acquire any assets constituting all or substantially all of the assets of or assets constituting all or substantially all of
the assets of a business, division or product line of, any Person (each of the foregoing an &ldquo;<B>Investment</B>&rdquo; and,
collectively, &ldquo;<B>Investments</B>&rdquo;), except that the following shall be permitted:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Borrower and any Subsidiary of the Borrower may acquire and hold accounts or notes receivables owing to any of them,
if created or acquired in the Ordinary Course of Business and consistent with past practice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Borrower and any Subsidiary of the Borrower may acquire and hold cash and Cash Equivalents;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Borrower and any Subsidiary of the Borrower may acquire and own REO Assets and other investments (including debt obligations)
received in connection with the bankruptcy or reorganization of suppliers and customers and in good faith settlement of delinquent
obligations of, and other disputes with, customers and suppliers arising in the Ordinary Course of Business;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> the Borrower and any Subsidiary of the Borrower may make loans and advances to their officers and employees in the ordinary
course of business (including for travel, entertainment and relocation expenses) in an aggregate amount not to exceed $100,000
at any time outstanding;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Parent, the Borrower and the Subsidiaries may enter into Interest Rate Protection Agreements and Permitted Credit Default
Swaps, in each case to the extent permitted by <U>Section&nbsp;6.04(e)</U> and perform their obligations thereunder;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>(i) the Credit Parties and their Subsidiaries may make intercompany loans and advances between or among one another and
(ii) collectively, the &ldquo;<B>Intercompany Loans</B>&rdquo;); <I>provided</I> that (A) to the extent that any Intercompany Loan
made by a Credit Party is evidenced by a note, such note shall be delivered to the Administrative Agent, (B) each Intercompany
Loan made by any Subsidiary that is not a Credit Party to a Credit Party shall be subject to the subordination provisions contained
in the Intercompany Subordination Agreement and (C) any Intercompany Loans made to any Subsidiary Guarantor or any Wholly Owned
Subsidiary pursuant to this <U>clause (f)</U> shall cease to be permitted by this <U>clause (f)</U> if such Subsidiary Guarantor
or Wholly Owned Subsidiary, as the case may be, ceases to constitute a Subsidiary Guarantor that is a Wholly Owned Domestic Subsidiary
or a Wholly Owned Subsidiary, as the case may be;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>(i) the Borrower and any Subsidiary of the Borrower may make capital contributions to, or acquire Equity Interests of, any
Subsidiary and (ii) any Subsidiary of the Borrower may make capital contributions to, or acquire Equity Interests of, any other
Subsidiary of the Borrower, and may capitalize or forgive any Indebtedness owed to it by a Subsidiary of the Borrower;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Borrower and the Subsidiaries may own the Equity Interests of their respective Subsidiaries created or acquired in accordance
with the terms of this Agreement (so long as all amounts invested in such Subsidiaries are independently justified under another
provision of this <U>Section&nbsp;6.05</U>);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Contingent Obligations permitted by <U>Section&nbsp;6.04</U>, to the extent constituting Investments;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(j)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Borrower and any Subsidiary of the Borrower may receive and hold promissory notes and other non-cash consideration received
in connection with any asset sale permitted by <U>Section&nbsp;6.02(j)</U>;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(k)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Borrower and any Subsidiary of the Borrower may in the Ordinary Course of Business make advances in the form of a prepayment
of expenses to vendors, suppliers and trade creditors, so long as such expenses were incurred in the Ordinary Course of Business
and consistent with the past practice of the Borrower or such Subsidiary;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(l)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Borrower or any Subsidiary of the Borrower may make contributions to the capital of any Securitization Entity, any Repo
Debt Entity, any REO Subsidiary or any Repo Subsidiary of any Permitted Funding Assets in connection with any Permitted Funding
Indebtedness;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(m)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>(i) Investments by the Borrower or any of its Subsidiaries in Permitted Funding Assets in the Ordinary Course of Business,
so long as, immediately after giving effect to such Investment (as determined on a <I>pro forma basis)</I>, Liquidity is greater
than the Liquidity Threshold, and (ii) Investments by the Borrower or any of its Subsidiaries that are otherwise permitted under
the Operating Policies of Parent (as in effect on the date hereof and without giving effect to anjy change thereto), so long as,
immediately after giving effect to such Investment (as determined on a pro forma basis), (A) Liquidity is greater than the Liquidity
Threshold and (B) the Debt to Value Ratio is no greater than 0.80 to 1.00;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(n)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>to the extent constituting an Investment, the consummation of the Transactions;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(o)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the settlement, unwinding, termination or cancellation of the Closing Date Warrants, any Interest Rate Protection Agreement
or any Permitted Credit Default Swap;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(p)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>(i) the conversion, exchange or settlement of any Convertible Debt Security and (ii) the redemption of any Convertible Debt
Security to the extent permitted by <U>Section 6.12</U>;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(q)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Investments in existence on the Effective Date which are listed in <U>Schedule 6.05</U>; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(r)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Borrower and any Subsidiary of the Borrower may make Investments in loan originators and servicers, consistent with
the past practice of the Borrower or such Subsidiary, in an aggregate amount not to exceed $150,000,000, so long as (i) no Default
or Event of Default shall have occurred and be continuing or would result therefrom, (ii) immediately after giving effect to such
Investment (as determined on a pro forma basis), Liquidity is greater than the Liquidity Threshold and (iii) immediately after
giving effect to such Investment (as determined on a pro forma basis), the Debt to Value Ratio is no greater than 0.80 to 1.00
and (iv) such Investments would not result in Parent failing to satisfy the REIT asset tests in Section 856(c)(4) of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6.06<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Transactions with Affiliates</I>. The Credit Parties will not, and will not, directly or indirectly, permit any of the
Subsidiaries to, enter into any transaction or series of transactions with any Affiliate, other than on terms and conditions that
when taken as a whole are not less favorable to the Credit Parties or such Subsidiary as would reasonably be obtained by the Credit
Parties or such Subsidiary at that time in a comparable arm&rsquo;s-length transaction with a Person other than an Affiliate; <I>provided</I>
that, the foregoing restriction shall not apply to (a)&nbsp;any transaction between Parent, the Borrower and any one (1) or more
Subsidiaries of the Borrower or among Subsidiaries of the Borrower, in each case that is otherwise permitted by this Agreement,
(b)&nbsp;reasonable and customary fees paid to members of the board of directors (or similar governing body) of Parent and its
Subsidiaries; (c) employment, severance, compensation, benefit and indemnification arrangements for directors, officers and other
employees of the Borrower and its Subsidiaries entered into in the ordinary course of business or approved in good faith by the
board of directors of Parent; (d) the payment of fees and expenses in connection with the consummation of the transactions contemplated
by the Credit Documents; (e) transactions or any series of related transactions involving aggregate payments or consideration less
than $1,000,000; and (f)&nbsp;any transaction with an Affiliate that is approved by a majority of disinterested members of the
board of directors of Parent in good faith.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6.07<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Modifications of Certain Agreements. </I>The Credit Parties will not, and will not permit any of the Subsidiaries to,
amend, modify, change or waive, or permit the amendment, modification or changing of, any terms of the 2042 Notes, any Convertible
Debt Security, Permitted Subordinated Debt and, in each case, any Permitted Refinancing thereof permitted under <U>Section&nbsp;6.04</U>
if such amendment, modification, change or waiver (i) could reasonably be expected to materially increase the obligations of the
obligors thereunder, (ii) confers any additional material rights on the holders thereof or any Permitted Refinancing thereof and
(iii) decreases the weighted average life to maturity or shortens the maturity date applicable thereto; <I>provided</I> this <U>Section&nbsp;6.07</U>
shall not prohibit modifications related to conversion rate or exchange rate adjustments pursuant to the terms of the Convertible
Debt Security.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6.08<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Limitation on Certain Restrictions on Subsidiaries</I>. The Credit Parties will not, and will not permit any of the Subsidiaries
to, directly or indirectly, create or otherwise cause or suffer to exist or become effective any encumbrance or restriction on
the ability of any such Subsidiary to (a) pay dividends or make any other distributions on its capital stock or any other Equity
Interest or participation in its profits owned by the Borrower or any Subsidiary of the Borrower, or pay any Indebtedness owed
to the Borrower or any Subsidiary of the Borrower, (b) make loans or advances to the Borrower or any Subsidiary of the Borrower
or (c) transfer any of its properties or assets to the Borrower or any Subsidiary of the Borrower, except for such encumbrances
or restrictions existing under or by reason of (i) applicable law, (ii) this Agreement and the other Credit Documents, (iii) customary
provisions restricting subletting or assignment of any lease governing any leasehold interest of the Borrower or any Subsidiary
of the Borrower, (iv) customary provisions restricting assignment of any licensing agreement (in which the Borrower or any such
Subsidiary is the licensee) or other contract entered into by the Borrower or any such Subsidiary in the Ordinary Course of Business
and which restrictions apply solely to the licensed property covered thereby or assets covered by such agreement, (v) restrictions
on the transfer of any asset or any Subsidiary of the Borrower pending the close of the sale of such asset or such Subsidiary,
(vi) restrictions on the transfer of any Permitted Funding Asset securing any Permitted Funding Indebtedness or the Indebtedness
permitted by <U>Section&nbsp;6.04(d)</U>; <I>provided </I>that such restrictions are limited to the applicable individual agreements
and/or the property or assets subject to such agreements, (vii) customary provisions applicable to a Securitization Entity, a Repo
Debt Entity, a REO Subsidiary or a Repo Subsidiary; <I>provided </I>that such restrictions are limited to the applicable individual
agreements and/or the property or assets subject to such agreements and (viii) provisions in documentation with respect to the
Indebtedness permitted by <U>Section&nbsp;6.04(b)</U>, in each case, so long as such provisions are no more restrictive than the
corresponding provisions hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6.09<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Limitation on Issuance of Equity Interests</I>. The Credit Parties will not, and will not permit any of the Subsidiaries
to, issue (i) any Preferred Equity other than (A) in the case of Parent, Preferred Equity that constitutes Qualified Equity Interests
and (B) in the case of the Borrower or any Subsidiary of the Borrower, the issuance of Preferred Equity to Parent or any Wholly
Owned Subsidiary of the Borrower or (ii) any redeemable common stock or other redeemable common Equity Interests of the Borrower
or any Subsidiary of the Borrower other than in the case of Borrower and any Wholly Owned Subsidiary of the Borrower, common stock
or other redeemable common Equity Interests that is or are redeemable at the sole option of the Borrower or such Subsidiary, as
applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6.10<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Business; Etc</I>. The Credit Parties will not, and will not permit any of their Subsidiaries to, engage directly or
indirectly in any business other than the businesses engaged in by the Credit Parties and the Subsidiaries as of the Closing Date
and reasonable extensions and developments thereof and businesses reasonably similar, ancillary or complimentary to any of the
foregoing (it being understood and agreed that this <U>Section6.10</U> shall not prohibit the entry into any non-qualified mortgage
loan securitization or Permitted Funding Indebtedness with respect to any REO Assets).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6.11<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Limitation on Creation of Subsidiaries</I>. The Credit Parties will not, and will not permit any of their Subsidiaries
to, establish, create or acquire after the Closing Date any Subsidiary, <I>provided</I> that the Borrower and its Wholly Owned
Subsidiaries, but not Parent, shall be permitted to establish, create and, to the extent permitted by this Agreement, acquire Wholly
Owned Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6.12<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Prepayments of Other Indebtedness. </I>The Credit Parties will not, and will not permit any of their Subsidiaries to,
directly or indirectly, voluntarily or optionally prepay, repurchase, redeem or otherwise optionally or voluntarily satisfy or
defease, or make any payment in violation of any subordination terms of, whether in cash, property, securities or a combination
thereof, or otherwise acquire for consideration, or set apart any sum for the aforesaid purposes, the 2042 Notes, any Convertible
Debt Security, Permitted Subordinated Debt or and any other Indebtedness secured by a Lien that is junior to or subordinated in
right of payment to the Obligations, except (a) pursuant to a Permitted Refinancing, (b) the conversion or exchange of any such
Indebtedness to or for Qualified Equity Interests of Parent and (c) the settlement of any Convertible Debt Security at maturity
and cash payments in lieu of fractional shares upon conversion or exchange of any Convertible Debt Security.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6.13<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Anti-Layering</I>. The Credit Parties will not, and will not permit any of the Subsidiaries to, directly or indirectly,
incur or suffer to exist any Indebtedness (other than the Loans) that is (a) pari passu with, or senior to, the Loans in right
of payment (other than Permitted Funding Indebtedness (excluding any Contingent Obligations in respect thereof)), (b) in the form
of a guaranty of any Permitted Funding Indebtedness (other than unsecured guarantees from Parent as set forth in the definition
of &ldquo;Permitted Funding Indebtedness&rdquo; in respect of any Permitted Funding Indebtedness in existence on the date hereof)
or (c) other than with respect to Permitted Funding Indebtedness, that is secured by Liens on the assets of the Borrower or any
Subsidiary of the Borrower, other than Liens securing Permitted Funding Indebtedness and the Asset Level Term Loan (and any Permitted
Refinancing thereof in accordance with <U>Section 6.04(b)</U>) and Liens otherwise permitted under this Agreement (if any) that
are expressly subordinated to the Loans and the other Obligations on terms acceptable to the Administrative Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6.14<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Permitted Activities of Parent and the Borrower</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Parent and the
Borrower each covenant that it will not, directly or indirectly, engage in any business or conduct any activity (including the
making of any Investment or Restricted Payment), transfer any of its assets (directly or indirectly) or enter into, deliver or
perform any agreement (including any agreement for incurrence or assumption of Indebtedness, any purchase, sale, lease or exchange
of any property or the rendering of any service), between itself and any other Person, other than (a) the entering into, delivery
and performance of the Credit Documents to which it is a party, office leases, Convertible Debt Securities (with respect to the
Parent only), Interest Rate Protection Agreements, Permitted Credit Default Swaps and any other agreement reasonably incidental
to the activities not otherwise prohibited by this <U>Section 6.14</U> or any other provision of this Agreement (collectively,
the &ldquo;<B>Holdings Documents</B>&rdquo;), (b) the making of Investments by the Parent in the Borrower and by the Borrower in
its Subsidiaries to the extent not otherwise prohibited by this <U>Section 6.14</U> or any other provision of this Agreement, (c)
the performance of its obligations, and the exercise of its remedies, under the Holdings Documents in accordance with the terms
thereof, (d) engaging in any other activities incidental, ancillary or related to the Borrower (in the case of Parent) or its Subsidiaries
(in the case of the Borrower) and other activities referred to in the other clauses of this <U>Section 6.14</U> and (e) the performance
of ministerial activities and the payment of any taxes and administrative fees and expenses related thereto or arising therefrom.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6.15<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Minimum Liquidity</I>. The Borrower shall not permit the aggregate Liquidity of Parent, the Borrower and the Subsidiaries
to be less than $100,000,000 at any time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">ARTICLE
7<BR>
EVENTS OF DEFAULT</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 7.01<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Events of Default</I>. Upon the occurrence of any of the following specified events following the Closing Date (each,
an &ldquo;<B>Event of Default</B>&rdquo;):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Payments</I>. (i) Default shall be made in the payment of any principal of any Loan when and as the same shall become
due and payable, whether at the due date thereof or at a date fixed for prepayment thereof or by acceleration thereof or otherwise
or (ii) default shall be made in the payment of any interest on any Loan or any Fee or any other amount (other than an amount referred
to in <U>clause (i)</U>) due under any Credit Document, when and as the same shall become due and payable, and in the case of this
<U>clause (ii)</U> such default shall continue unremedied for a period of five (5)&nbsp;Business Days; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Representations, etc</I>. Any representation, warranty or certification or other statement made or deemed made by any
Credit Party herein or in any other Credit Document or in any report, certificate, financial statement or other instrument or document
delivered to the Administrative Agent or any Lender pursuant hereto or thereto shall be untrue in any material respect on the date
as of which made or deemed made or delivered; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Covenants</I>. The Borrower or any Subsidiary shall (i) default in the due performance or observance by it of any term,
covenant or agreement contained in <U>Section&nbsp;2.12</U>, <U>Section&nbsp;5.01(e)</U>, <U>Section&nbsp;5.04</U> (with respect
to the existence of the Credit Parties), <U>Section&nbsp;5.08</U>, <U>Section 5.10(c) </U>(taking into account the cure provisions
under Sections 856 through 860 of the Code), <U>Section&nbsp;5.11</U> or <U>Article 6</U>, or (ii) default in the due performance
or observance by it of any other term, covenant or agreement contained in this Agreement (other than those set forth in <U>Section&nbsp;7.01(a)</U>
and <U>Section 7.01(b)</U>) and such default shall continue unremedied for a period of 30 days after the delivery of written notice
thereof to the Borrower by the Administrative Agent or the Required Lenders; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>[Reserved]</I>; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Default Under Other Agreements</I>. (i) Any Credit Party or any Subsidiary shall fail to make any payment when due (whether
by scheduled maturity, required prepayment, acceleration, demand, or otherwise) in respect of any Indebtedness (other than Indebtedness
under the Credit Documents or Indebtedness consisting of any Interest Rate Protection Agreement or Permitted Credit Default Swap)
having an aggregate principal amount of more than $50,000,000, in each case beyond the applicable grace period with respect thereto,
if any; (ii)&nbsp;any Credit Party or any Subsidiary shall fail to observe or perform any other agreement or condition relating
to any Indebtedness having an aggregate principal amount of more than $50,000,000 (or in the case of any Indebtedness consisting
of Interest Rate Protection Agreements or Permitted Credit Default Swaps, having a Swap Termination Value of more than $50,000,000
in the aggregate) or contained in any instrument or agreement evidencing, securing or relating thereto (other than Indebtedness
under the Credit Documents), or any other event occurs (other than, with respect to Indebtedness consisting Interest Rate Protection
Agreements or Permitted Credit Default Swaps, termination events or equivalent events pursuant to the terms of such Interest Rate
Protection Agreement or Permitted Credit Default Swap not as a result of any default thereunder by any Credit Party or any Subsidiary),
the effect of which default or other event is to cause, or to permit the holder or holders or beneficiary or beneficiaries of such
Indebtedness (or a trustee or agent on behalf of such holder or holders or beneficiary or beneficiaries) to cause, with the giving
of notice, if required, such Indebtedness to become due or to be repurchased, prepaid, defeased or redeemed (automatically or otherwise),
or an offer to repurchase, prepay, defease or redeem such Indebtedness to be made, prior to its stated maturity or (iii) any Credit
Party or any Subsidiary shall fail to make when due one or more required payments under any Interest Rate Protection Agreement
or Permitted Credit Default Swap due as a result of the occurrence of an &ldquo;Early Termination Date&rdquo; (as defined in such
Interest Rate Protection Agreement or Permitted Credit Default Swap or the master agreement governing such Interest Rate Protection
Agreement or Permitted Credit Default Swap and including any substantially similar term) arising from an &ldquo;Event of Default&rdquo;
or a &ldquo;Termination Event&rdquo; (in each case, as defined in any Interest Rate Protection Agreement or Permitted Credit Default
Swap or the master agreement governing such Interest Rate Protection Agreement or Permitted Credit Default Swap and including any
substantially similar term) with respect to which such Credit Party or Subsidiary is a &ldquo;Defaulting Party&rdquo; (as defined
in such Interest Rate Protection Agreement or Permitted Credit Default Swap or the master agreement governing such Interest Rate
Protection Agreement or Permitted Credit Default Swap and including any substantially similar term) where the &ldquo;Non-defaulting
Party&rdquo; or &ldquo;Non-affected Party&rdquo; (in each case, as defined in such Interest Rate Protection Agreement or Permitted
Credit Default Swap or the master agreement governing such Interest Rate Protection Agreement or Permitted Credit Default Swap
or any substantially similar term), as applicable, has designated such &ldquo;Early Termination Date&rdquo; (or any other substantially
similar term) for all outstanding transactions under the relevant master agreement governing such Interest Rate Protection Agreement
or Permitted Credit Default Swap, where such payments due are in an aggregate amount for all such Interest Rate Protection Agreements
and Permitted Credit Default Swaps exceeding $50,000,000; <I>provided</I> that this <U>clause&nbsp;(e)(ii)</U> shall not apply
to (A) secured Indebtedness that becomes due as a result of the voluntary sale or transfer of the property or assets securing such
Indebtedness, if such sale or transfer is permitted hereunder and under the documents providing for such Indebtedness and such
Indebtedness is repaid when required under the documents providing for such documents; <I>provided</I> that any events of default
in respect of Indebtedness that are subject to the Third Forbearance Agreement shall not be deemed to result in an Event of Default
under this <U>clause (e)</U> on any date prior to the earlier of (x) the end of the &ldquo;Forbearance Period&rdquo; under the
Third Forbearance Agreement and (y) the funding of the Loans hereunder (which events of default, after the end of such period ending
on the earlier of the times contemplated by the foregoing <U>clauses (x)</U> and <U>(y)</U> shall be deemed to result in Events
of Default under this <U>clause (e)</U> or (B) to any event as a result of which any Convertible Debt Security becomes convertible
or exchangeable pursuant to the terms thereof; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Bankruptcy, etc</I>. (i) An involuntary proceeding shall be commenced or an involuntary petition shall be filed in a
court of competent jurisdiction seeking (x) relief in respect of Parent, the Borrower or any Material Subsidiary, or of a substantial
part of the property or assets of Parent, the Borrower or any Subsidiary, under Title 11 of the United States Code, as now constituted
or hereafter amended, or any other federal, state or foreign bankruptcy, insolvency, receivership or similar law, (y) the appointment
of a receiver, trustee, custodian, sequestrator, conservator or similar official for Parent, the Borrower or any Subsidiary or
for a substantial part of the property or assets of the Borrower or a Subsidiary or (z) the winding-up or liquidation of Parent,
the Borrower or any Subsidiary; and such proceeding or petition shall continue undismissed, bonded or discharged for 60 consecutive
days or an order or decree approving or ordering any of the foregoing shall be entered; or (ii) Parent, the Borrower or any Subsidiary
shall (t) voluntarily commence any proceeding or file any petition seeking relief under Title 11 of the United States Code, as
now constituted or hereafter amended, or any other federal, state or foreign bankruptcy, insolvency, receivership or similar law,
(u) consent to the institution of, or fail to contest in a timely and appropriate manner, any proceeding or the filing of any petition
described in (i) above, (v) apply for or consent to the appointment of a receiver, trustee, custodian, sequestrator, conservator
or similar official for Parent, the Borrower or any Subsidiary or for a substantial part of the property or assets of Parent, the
Borrower or any Subsidiary, (w) file an answer admitting the material allegations of a petition filed against it in any such proceeding,
(x) make a general assignment for the benefit of creditors, (y) become unable, admit in writing its inability or fail generally
to pay its debts as they become due or (z) take any action for the purpose of effecting any of the foregoing; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>ERISA</I>. An ERISA Event shall have occurred that, in the reasonable opinion of the Required Lenders, when taken together
with all other such ERISA Events that have occurred, could reasonably be expected to result in a Material Adverse Effect; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Security Documents</I>. Any of the Security Documents shall cease to be in full force and effect (other than by reason
of a release of Collateral in accordance with the terms hereof or the satisfaction in full of the Obligations (other than contingent
indemnification and expense reimbursement obligations for which no claim has been made), or shall cease to give the Collateral
Agent for the benefit of the Secured Creditors the Liens, rights, powers and privileges purported to be created thereby (including
a perfected (to the extent required under the Pledge Agreement) security interest in, and Lien on, all of the Collateral (other
than, in the aggregate, immaterial portions of the Collateral)), in favor of the Collateral Agent, superior to and prior to the
rights of all third Persons (except as permitted by <U>Section&nbsp;6.01</U>), and subject to no other Liens (except as permitted
by <U>Section&nbsp;6.01</U>), or any of Parent, the Borrower and each Subsidiary shall default in the due performance or observance
of any term, covenant or agreement on its part to be performed or observed pursuant to any such Security Document and such default
shall continue beyond the period of grace, if any, specifically applicable thereto pursuant to the terms of such Security Document
or Parent, the Borrower or any Subsidiary shall assert that any security interest purported to be created by any Security Document
is not a valid, perfected(to the extent required under the Pledge Agreement), first priority (except as otherwise expressly provided
in this Agreement or such Security Document) security interest in the Collateral covered thereby; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Guaranties</I>. Any Guaranty or any provision thereof shall cease to be in full force or effect as to any Guarantor (except
as a result of a release of any Guarantor in accordance with the terms thereof), or any Guarantor or any Person acting for or on
behalf of such Guarantor shall deny or disaffirm such Guarantor&rsquo;s obligations under the Guaranty or any Guarantor shall default
in the due performance or observance of any term, covenant or agreement on its part to be performed or observed pursuant to the
Guaranty; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(j)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Judgments</I>. One (1) or more final, non-appealable judgments or decrees in an aggregate amount in excess of $50,000,000
shall be entered against Parent, the Borrower or any Subsidiary involving in the aggregate for Parent, the Borrower and each Subsidiary
a liability (not paid or to the extent not covered by insurance which has not denied coverage) and such judgments and decrees either
shall be final and non-appealable or shall not be satisfied, vacated, discharged or stayed or bonded pending appeal for any period
of thirty (30) consecutive days and the aggregate amount of all such judgments equals or exceeds $50,000,000; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">then, and in any such event, and at any
time thereafter, if any Event of Default shall then be continuing, the Administrative Agent may, and upon the written request of
the Required Lenders shall, by written notice to the Borrower, take any or all of the following actions (<I>provided</I> that,
if an Event of Default specified in <U>Section&nbsp;7.01(e)</U> shall occur with respect to the Borrower or any Subsidiary (other
than any Subsidiary that is a Securitization Entity), the result which would occur upon the giving of written notice by the Administrative
Agent as specified in <U>clauses (i)</U> and <U>(ii)</U> below shall occur automatically without the giving of any such notice):
(i) declare the Commitments terminated, whereupon all Commitments of each Lender shall terminate immediately; (ii) declare the
principal of and any accrued interest and Fees in respect of all Loans and the Notes and all Obligations owing hereunder and thereunder
to be, whereupon the same shall become, immediately due and payable without presentment, demand, protest or other notice of any
kind, all of which are hereby waived by each Credit Party, anything contained herein or in any other Credit Document to the contrary
notwithstanding; (iii) enforce, as Collateral Agent, all of the Liens and security interests created pursuant to the Security Documents;
and (iv) enforce the Guaranty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 7.02<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Application of Payment</U>. Notwithstanding anything herein to the contrary, following the occurrence and during the
continuance of an Event of Default, and notice thereof to the Administrative Agent by the Borrower or the Required Lenders, all
payments received on account of the Obligations shall be applied by the Administrative Agent (or the Collateral Agent, as applicable)
as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">first, to payment of that portion of the Obligations constituting fees, indemnities, expenses
and other amounts (including fees and disbursements and other charges of counsel payable under <U>Article 8</U> and amounts payable
under the Agent Fee Letter) payable to the Administrative Agent and the Collateral Agent in their capacity as such</FONT>;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">second, to the payment of that portion of Obligations constituting accrued and unpaid interest
on Protective Advances ratably among the applicable Lenders in proportion to the respective amounts described in this <U>clause&nbsp;(b)</U>
payable to them;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">third, to the payment of that portion of Obligations constituting the unpaid principal balance
of Protective Advances ratably among the applicable Lenders in proportion to the respective amounts described in this <U>clause&nbsp;(c)</U>
payable to them;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">fourth, to payment of that portion of the Obligations constituting fees, indemnities and other
amounts (other than principal and interest) payable to the Lenders (including fees and disbursements and other charges of counsel
payable under any Credit Document) arising under the Credit Documents, ratably among them in proportion to the respective amounts
described in this <U>clause&nbsp;(d)</U> payable to them;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">fifth, to payment of that portion of the Obligations constituting accrued and unpaid interest
on the Loans (other than Protective Advances), ratably among the Lenders in proportion to the respective amounts described in this
<U>clause&nbsp;(e)</U> payable to them;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">sixth,&nbsp;to payment of that portion of the Obligations constituting unpaid principal of
the Loans (other than Protective Advances) ratably among the Lenders in proportion to the respective amounts described in this
<U>clause&nbsp;(f)</U> payable to them;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">seventh, to the payment in full of all other Obligations, in each case ratably among the Administrative
Agent, the Collateral Agent and the Lenders based upon the respective aggregate amounts of all such Obligations owing to them in
accordance with the respective amounts thereof then due and payable; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">finally, the balance, if any, after all Obligations have been indefeasibly paid in full, to
the Borrower or as otherwise required by law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">ARTICLE
8<BR>
THE ADMINISTRATIVE AGENT AND THE COLLATERAL AGENT</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each Lender hereby
irrevocably appoints each of Administrative Agent and the Collateral Agent (for purposes of this <U>Article 8</U>, the Administrative
Agent and the Collateral Agent are referred to collectively as the &ldquo;<B>Agents</B>&rdquo;) as its agent and authorizes the
Agents to take such actions on its behalf and to exercise such powers as are delegated to such Agents by the terms of the Credit
Documents, together with such actions and powers as are reasonably incidental thereto. Without limiting the generality of the foregoing,
the Agents are hereby expressly authorized to (i) execute the Credit Documents to which it is a party and any and all documents
(including releases) with respect to the Collateral and the rights of the Secured Creditors with respect thereto, as contemplated
by and in accordance with the provisions of this Agreement and the Security Documents and (ii) negotiate, enforce or settle any
claim, action or proceeding affecting the Lenders in their capacity as such, at the direction of the Required Lenders, which negotiation,
enforcement or settlement will be binding upon each Lender. Each of the Lenders acknowledges and agrees that an Agent may also
act as the collateral agent or as collateral trustee for the lenders under certain other Indebtedness permitted hereunder and each
Lender hereby waives any conflict of interest, now contemplated or arising hereafter, in connection therewith and agrees not to
assert against such Agent or any of its Related Parties any claims, causes of action, damages or liabilities of whatever kind or
nature relating thereto. The Administrative Agent may perform any of its respective duties hereunder by or through its officers,
directors, agents, employees, affiliates or designees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The institution serving
as the Administrative Agent and/or the Collateral Agent hereunder shall have the same rights and powers in its capacity as a Lender
as any other Lender and may exercise the same as though it were not an Agent, and such bank and its Affiliates may accept deposits
from, lend money to, own securities of and generally engage in any kind of banking, trust, financial advisory or other business
with Parent, the Borrower or any Subsidiary or other Affiliate thereof as if it were not an Agent hereunder (including the acceptance
of fees and other consideration for services in connection herewith and otherwise without having to account for the same to Lenders).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Neither Agent shall
have any duties or obligations except those expressly set forth in the Credit Documents. Without limiting the generality of the
foregoing, (a) neither Agent shall be subject to any fiduciary or other implied duties, regardless of whether a Default or Event
of Default has occurred and is continuing, (b) neither Agent shall have any duty to take any discretionary action or exercise any
discretionary powers, except discretionary rights and powers expressly contemplated hereby that such Agent is instructed in writing
to exercise by the Required Lenders (or such other number or percentage of the Lenders as shall be necessary under the circumstances
as provided in <U>Section&nbsp;9.08</U>); <I>provided</I> that no Agent shall be required to take any action that, in its opinion
or the opinion of its counsel, may expose such Agent to liability or that is contrary to any Credit Document or applicable law,
including any action that may be in violation of the automatic stay under any Debtor Relief Law or that may effect a forfeiture,
modification or termination of property of a Defaulting Lender in violation of any Debtor Relief Law, and (c) except as expressly
set forth in the Credit Documents, neither Agent shall have any duty to disclose, nor shall it be liable for the failure to disclose,
any information relating to any Credit Party that is communicated to or obtained by the bank serving as Administrative Agent and/or
Collateral Agent or any of its Affiliates in any capacity. Neither Agent shall be liable for any action taken or not taken by it
with the written consent or at the written request of the Required Lenders (or such other number or percentage of the Lenders as
shall be necessary under the circumstances as provided in <U>Section&nbsp;9.08</U>) or in the absence of its own gross negligence
or willful misconduct. Neither Agent shall be deemed to have knowledge of any Default or Event of Default unless and until written
notice thereof is given to such Agent by the Borrower or a Lender, and neither Agent shall be responsible for or have any duty
to ascertain or inquire into (i) any statement, warranty or representation made in or in connection with any Credit Document, (ii)
the contents of any certificate, report or other document delivered thereunder or in connection therewith, (iii) the performance
or observance of any of the covenants, agreements or other terms or conditions set forth in any Credit Document, (iv) the validity,
enforceability, effectiveness or genuineness of any Credit Document or any other agreement, instrument or document, or (v) the
satisfaction of any condition set forth in <U>Article 4</U> or elsewhere in any Credit Document, other than to confirm receipt
of items expressly required to be delivered to such Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Notwithstanding anything
else to the contrary herein, whenever reference is made in this Agreement or any other Credit Document to any discretionary action
by, consent, designation, specification, requirement or approval of, notice, request or other communication from, or other direction
given or action to be undertaken or to be (or not to be) suffered or omitted by the Administrative Agent or the Collateral Agent
or to any election, decision, opinion, acceptance, use of judgment, expression of satisfaction, reasonable satisfaction or other
exercise of discretion, rights or remedies to be made (or not to be made) by the Administrative Agent or the Collateral Agent,
it is understood that in all cases that any such permissive rights shall not be construed as a duty and such Agents shall be fully
justified in failing or refusing to take any such action under this Agreement or the applicable Credit Document if it shall not
have received such written instruction, advice or concurrence of the Required Lenders (or such other number or percentage of the
Lenders as shall be necessary under the circumstances as provided in <U>Section&nbsp;9.08</U>), as it deems appropriate. This provision
is intended solely for the benefit of the Administrative Agent, the Collateral Agent and its successors and permitted assigns and
is not intended to and will not entitle the other parties hereto to any defense, claim or counterclaim, or confer any rights or
benefits on any party hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except for action expressly
required of an Agent hereunder and under the other Credit Documents, each Agent shall in all cases be fully justified in failing
or refusing to act hereunder and thereunder unless it shall receive further assurances to its satisfaction by the Lenders of their
indemnification obligations under <U>Section&nbsp;9.05</U> against any and all liability and expense which may be incurred by it
by reason of taking or continuing to take any such action.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each Agent shall be
entitled to rely upon, and shall not incur any liability for relying upon, any notice, request, certificate, consent, statement,
instrument, opinion, document or other writing believed by it to be genuine and to have been signed or sent by the proper Person.
Each Agent may also rely upon any statement made to it orally or by telephone and believed by it to have been made by the proper
Person, and shall not incur any liability for relying thereon. Each Agent may consult with legal counsel (who may be counsel for
the Borrower), independent accountants and other experts selected by it, and shall not be liable for any action taken or not taken
by it in accordance with the advice of any such counsel, accountants or experts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each Agent may perform
any and all its duties and exercise its rights and powers by or through any one (1) or more sub-agents appointed by it and shall
not be responsible for any acts, omissions, negligence or misconduct of any sub-agent appointed by such Agent with due care. Each
Agent and any such sub-agent may perform any and all its duties and exercise its rights and powers by or through their respective
Related Parties. The exculpatory provisions of the preceding paragraphs shall apply to any such sub-agent and to the Related Parties
of each Agent and any such sub-agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Agents shall not
have any liability for any action taken, or errors in judgment made, in good faith by it or any of its officers, employees or agents,
unless it shall have been negligent in ascertaining the pertinent facts. Nothing in this Agreement shall require an Agent to expend
or risk its own funds or otherwise incur any financial liability in the performance of any of its duties or in the exercise of
any of its rights or powers hereunder. In no event shall an Agent be responsible or liable for special, indirect, punitive, incidental
or consequential loss or damage of any kind whatsoever (including, but not limited to, loss of profit) irrespective of whether
such Agent has been advised of the likelihood of such loss or damage and regardless of the form of action. No Agent nor any of
its directors, officers, employees, agents or affiliates shall be responsible for nor have any duty to monitor the performance
or any action of the Borrower or any other Credit Party, or any of their directors, members, officers, agents, affiliates or employee,
nor shall it have any liability in connection with the malfeasance or nonfeasance by such parties. Each Agent may assume performance
by all such Persons of their respective obligations. No Agent shall have any enforcement or notification obligations relating to
breaches of representations or warranties of any other Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Neither the Administrative
Agent nor the Collateral Agent shall be responsible or liable for any failure or delay in the performance of its obligations under
this Agreement or any other Credit Document arising out of or caused, directly or indirectly, by circumstances beyond its control,
including without limitation, any act or provision of any present or future law or regulation or governmental authority; acts of
God; earthquakes; fires; floods; wars; terrorism; civil or military disturbances; sabotage; epidemics; pandemics; riots; interruptions,
loss or malfunctions of utilities, computer (hardware or software) or communications service; accidents; labor disputes; acts of
civil or military authority or governmental actions; or the unavailability of the Federal Reserve Bank wire or telex or other wire
or communication facility.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">No Agent shall be responsible
for and makes any representation as to the existence, genuineness, value or protection of any Collateral, for the legality, effectiveness
or sufficiency of any Security Document, or for the creation, perfection, priority, sufficiency or protection of any liens securing
the Obligations. For the avoidance of doubt, nothing herein shall require any Agent to file financing statements or continuation
statements, or be responsible for maintaining the security interests purported to be created as described herein or in any other
Security Document (except for the safe custody of any Collateral in its possession and the accounting for moneys actually received
by it hereunder or under any other Credit Document) and such responsibility shall be solely that of the Borrower and the other
Credit Parties.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If at any time an Agent
is served with any judicial or administrative order, judgment, decree, writ or other form of judicial or administrative process
(including orders of attachment or garnishment or other forms of levies or injunctions or stays relating to the transfer of any
collateral), such Agent is authorized to comply therewith in any manner as it or its legal counsel of its own choosing deems appropriate,
and if such Agent complies with any such judicial or administrative order, judgment, decree, writ or other form of judicial or
administrative process, such Agent shall not be liable to any of the parties hereto or to any other Person even though such order,
judgment, decree, writ or process may be subsequently modified or vacated or otherwise determined to have been without legal force
or effect. Subject to the appointment and acceptance of a successor Agent as provided below, either Agent may resign at any time
by notifying the Lenders and the Borrower at least thirty (30) days in advance. Upon any such resignation, the Required Lenders
shall have the right, in consultation with the Borrower, to appoint a successor. If no successor shall have been so appointed by
the Required Lenders and shall have accepted such appointment within 30 days after the retiring Agent gives notice of its resignation,
then such Agent&rsquo;s resignation shall become effective and the Required Lenders shall thereafter perform all the duties of
such Agent hereunder and/or under any other Credit Document until such time, if any, as the Required Lenders appoint a successor
Administrative Agent and/or Collateral Agent, as the case may be. Upon the acceptance of its appointment as Agent hereunder by
a successor, such successor shall succeed to and become vested with all the rights (other than any right to receive any fees, expenses,
indemnities or other payments due and owing to the retiring Agent and which accrued to such Agent&rsquo;s resignation), powers,
privileges and duties of the retiring Agent, and the retiring Agent shall be discharged from its duties and obligations hereunder.
The fees payable by the Borrower to a successor Agent shall be the same as those payable to its predecessor unless otherwise agreed
between the Borrower and such successor. After an Agent&rsquo;s resignation hereunder, the provisions of this <U>Article 8</U>
and <U>Section&nbsp;9.05</U> shall continue in effect for the benefit of such retiring Agent, its sub-agents and their respective
Related Parties in respect of any actions taken or omitted to be taken by any of them while acting as Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Any Person (i) into
which an Agent may be merged or consolidated, (ii) which may result from any merger, conversion or consolidation to which an Agent
shall be a party or (iii) which may succeed to all or substantially all of the corporate trust business of an Agent, shall be the
successor of such Agent hereunder and the other Credit Documents, without the execution or filing of any instrument or any further
act on the part of any of the parties.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each Lender acknowledges
that it has, independently and without reliance upon the Agents or any other Lender and based on such documents and information
as it has deemed appropriate, made its own credit analysis and decision to enter into this Agreement. Each Lender also acknowledges
that it will, independently and without reliance upon the Agents or any other Lender and based on such documents and information
as it shall from time to time deem appropriate, continue to make its own decisions in taking or not taking action under or based
upon this Agreement or any other Credit Document, any related agreement or any document furnished hereunder or thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each Lender authorizes
and directs the Collateral Agent to enter into the Security Documents for the benefit of the Lenders and the other Secured Creditors.
Each Lender hereby agrees, and each holder of any Note by the acceptance thereof will be deemed to agree, that, except as otherwise
set forth herein, any action taken by the Required Lenders in accordance with the provisions of this Agreement or the Security
Documents, and the exercise by the Required Lenders of the powers set forth herein or therein, together with such other powers
as are reasonably incidental thereto, shall be authorized and binding upon all of the Lenders. The Collateral Agent is hereby authorized
on behalf of all of the Lenders, without the necessity of any notice to or further consent from any Lender, from time to time prior
to an Event of Default, to take any action pursuant to the terms of this Agreement or the Security Documents with respect to any
Collateral or Security Documents which may be necessary to perfect and maintain perfected the security interest in and liens upon
the Collateral granted pursuant to the Security Documents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Lenders hereby
authorize the Collateral Agent, at its option and in its discretion, to release any Lien granted to or held by the Collateral Agent
upon any Collateral (i) upon the occurrence of the Termination Date, (ii) constituting property (including Equity Interests) being
sold or otherwise disposed of (to Persons other than the Borrower and its Subsidiaries) upon the sale or other disposition thereof
in compliance with <U>Section&nbsp;6.02</U>, (iii) if approved, authorized or ratified in writing by the Required Lenders (or all
of the Lenders hereunder, to the extent required by <U>Section&nbsp;9.08</U>), (iv) that is an Excluded Pledge pursuant to <U>clause
(d)</U> of the definition thereof or (v) as otherwise may be expressly provided in the relevant Security Documents. Upon request
by the Administrative Agent at any time, the Lenders will confirm in writing the Collateral Agent&rsquo;s authority to release
particular types or items of Collateral pursuant to this <U>Article 8</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The provisions of this
<U>Article 8</U> are solely for the benefit of Agents and Lenders and except with respect to the appointment of successor agents
and the forgoing paragraph no Credit Party shall have any rights as a third party beneficiary of any of the provisions thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">ARTICLE
9<BR>
MISCELLANEOUS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.01<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Notices; Electronic Communications</I>. Notices and other communications provided for herein shall be in writing and
shall be delivered by hand or overnight courier service, mailed by certified or registered mail or sent by facsimile transmission,
as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>if
to the Borrower, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">MFResidential Assets Holding Corp.<BR>
Attention of: General Counsel<BR>
350 Park Avenue, 20th Floor</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">New York, NY 10022<BR>
Phone: 212-207-6454<BR>
Fax Number 212-207-6420<BR>
Email: <U>Legal@mfafinancial.com</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>if to the Administrative Agent, to each of:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">Wilmington Trust, National Association<BR>
50 South Sixth Street, Suite 1290<BR>
Minneapolis, MN 55402<BR>
Attention of: Annmarie Warren<BR>
Phone: 612-217-5669<BR>
Fax Number 612-217-5651<BR>
Email: <U>awarren@wilmingtontrust.com</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">and (which shall not constitute notice)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">Alston &amp; Bird LLP<BR>
101 S. Tryon Street, Suite 4000<BR>
Charlotte, NC 28280-4000<BR>
Attention:&nbsp; Jason Solomon</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">Phone: 704-444-1295<BR>
Fax: 704-444-1111<BR>
Email: <U>jason.solomon@alston.com</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">and (which shall not constitute notice)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">Athene USA Corporation</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">c/o Apollo Insurance Solutions Group LP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">2121 Rosecrans Avenue</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">Suite 5300</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">El Segundo, California 90245</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">Attn: &nbsp;&nbsp;&nbsp;Yoni Fife; Jessica McMillin; Angelo Lombardo;
Anthony Bruno; Matt O&rsquo;Mara; Nancy De Liban</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">Phone: 310-698-4414<BR>
Email: <U>ProjectOmahaNotices@Apollo.com</U>; <U>YFife@athene.com</U>; <U>JMcMillin@athene.com</U>; <U>alombardo@apollo.com</U>;
<U>abruno@apollo.com</U>; <U>ndeliban@apollo.com</U>; <U>Momara@apollo.com</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>if
to the Collateral Agent, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">Wilmington Trust, National Association<BR>
50 South Sixth Street, Suite 1290<BR>
Minneapolis, MN 55402<BR>
Attention of: Annmarie Warren<BR>
Phone: 612-217-5669<BR>
Fax Number 612-217-5651<BR>
Email: <U>awarren@wilmingtontrust.com</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">and (which shall not constitute notice)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">Alston &amp; Bird LLP<BR>
101 S. Tryon Street, Suite 4000<BR>
Charlotte, NC 28280-4000<BR>
Attention:&nbsp; Jason Solomon</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">Phone: 704-444-1295<BR>
Fax: 704-444-1111<BR>
Email: <U>jason.solomon@alston.com</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">and (which shall not constitute notice)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">Athene USA Corporation</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">c/o Apollo Insurance Solutions Group LP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">2121 Rosecrans Avenue</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">Suite 5300</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">El Segundo, California 90245</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">Attn: &nbsp;&nbsp;&nbsp;Yoni Fife; Jessica McMillin; Angelo Lombardo;
Anthony Bruno; Matt O&rsquo;Mara; Nancy De Liban</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">Phone: 310-698-4414<BR>
Email: <U>ProjectOmahaNotices@Apollo.com</U>; <U>YFife@athene.com</U>; <U>JMcMillin@athene.com</U>; <U>alombardo@apollo.com</U>;
<U>abruno@apollo.com</U>; <U>ndeliban@apollo.com</U>; <U>Momara@apollo.com</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">All notices and other
communications given to any party hereto in accordance with the provisions of this Agreement shall be deemed to have been given
on the date of receipt if delivered by hand or overnight courier service or sent by facsimile transmission (except that, if not
given during the normal business hours of the recipient on a Business Day, shall be deemed to have been given at the opening of
business on the next Business Day) or on the date five (5) Business Days after dispatch by certified or registered mail if mailed,
in each case delivered, sent or mailed (properly addressed) to such party as provided in this <U>Section&nbsp;9.01</U> or in accordance
with the latest unrevoked direction from such party given in accordance with this <U>Section&nbsp;9.01</U>. As agreed to among
the Borrower, the Administrative Agent, the Collateral Agent, and the applicable Lenders from time to time, notices and other communications
may also be delivered by e-mail to the e-mail address of a representative of the applicable Person provided from time to time by
such Person. Notices and other communications may also be delivered by e-mail to the e-mail address of a representative of the
applicable Person provided from time to time by such Person and shall be deemed delivered upon (i) sending (or if not sent during
the normal business hours of the recipient on a Business Day, at the opening of business on the next Business Day) unless a delivery
failure notification (which shall not include an &ldquo;out of office&rdquo; or similar message) is received within one (1) hour
of sending and (ii) acknowledgement of receipt by the recipient.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each Credit Party hereby
agrees, unless directed otherwise by the Administrative Agent or unless the electronic mail address referred to below has not been
provided by the Administrative Agent to the Borrower, that it will, or will cause the Subsidiaries to, provide to the Administrative
Agent all information, documents and other materials that it is obligated to furnish to the Administrative Agent pursuant to the
Credit Documents or to the Lenders under <U>Article 5</U>, including all notices, requests, financial statements, financial and
other reports, certificates and other information materials, but excluding any such communication that (i) relates to the payment
of any principal or other amount due under this Agreement prior to the scheduled date therefor, (ii) provides notice of any Default
or Event of Default under this Agreement or any other Credit Document or (iii) is required to be delivered to satisfy any condition
precedent to the effectiveness of this Agreement and/or the making of the Loans hereunder or other extension of credit hereunder
(all such non-excluded communications being referred to herein collectively as &ldquo;<B>Communications</B>&rdquo;), by transmitting
the Communications in an electronic/soft medium that is properly identified in a format acceptable to the Administrative Agent
to an electronic mail address as directed by the Administrative Agent. In addition, each Credit Party agrees, and agrees to cause
the Subsidiaries, to continue to provide the Communications to the Administrative Agent or the Lenders, as the case may be, in
the manner specified in the Credit Documents but only to the extent requested by the Administrative Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Borrower hereby
acknowledges that (a) the Administrative Agent may make available to the Lenders materials and/or information provided by or on
behalf of the Borrower hereunder (collectively, the &ldquo;<B>Borrower Materials</B>&rdquo;) by posting the Borrower Materials
on Intralinks or another similar electronic system (the &ldquo;<B>Platform</B>&rdquo;) and (b) certain of the Lenders may be &ldquo;public-side&rdquo;
Lenders (i.e., Lenders that do not wish to receive material non-public information with respect to the Borrower or its securities)
(each, a &ldquo;<B>Public Lender</B>&rdquo;). The Borrower hereby agrees that (w) all Borrower Materials that are to be made available
to Public Lenders shall be clearly and conspicuously marked &ldquo;PUBLIC&rdquo; which, at a minimum, shall mean that the word
 &ldquo;PUBLIC&rdquo; shall appear prominently on the first page thereof; (x) by marking Borrower Materials &ldquo;PUBLIC,&rdquo;
the Borrower shall be deemed to have authorized the Administrative Agent and the Lenders to treat such Borrower Materials as not
containing any material non-public information with respect to the Borrower or its securities for purposes of United States federal
and state securities laws (<I>provided</I> that to the extent such Borrower Materials constitute Information, they shall be treated
as set forth in <U>Section&nbsp;9.16</U>); (y) all Borrower Materials marked &ldquo;PUBLIC&rdquo; are permitted to be made available
through a portion of the Platform designated as &ldquo;Public Investor;&rdquo; and (z) the Administrative Agent shall be entitled
to treat any Borrower Materials that are not marked &ldquo;PUBLIC&rdquo; as being suitable only for posting on a portion of the
Platform not marked as &ldquo;Public Investor.&rdquo; Notwithstanding the foregoing, the following Borrower Materials shall be
marked &ldquo;PUBLIC&rdquo;, unless the Borrower notifies the Administrative Agent promptly that any such document contains material
non-public information: (1) the Credit Documents and (2) notification of changes in the terms of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each Public Lender
agrees to cause at least one (1) individual at or on behalf of such Public Lender to at all times have selected the &ldquo;Private
Side Information&rdquo; or similar designation on the content declaration screen of the Platform in order to enable such Public
Lender or its delegate, in accordance with such Public Lender&rsquo;s compliance procedures and applicable law, including United
States federal and state securities laws, to make reference to Communications that are not made available through the &ldquo;Public
Side Information&rdquo; portion of the Platform and that may contain material non-public information with respect to the Borrower
or its securities for purposes of United States federal or state securities laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">THE PLATFORM IS PROVIDED
 &ldquo;AS IS&rdquo; AND &ldquo;AS AVAILABLE&rdquo;. NEITHER THE ADMINISTRATIVE AGENT NOR ANY OF ITS RELATED PARTIES WARRANTS THE
ACCURACY OR COMPLETENESS OF THE COMMUNICATIONS OR THE ADEQUACY OF THE PLATFORM AND EACH EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS
OR OMISSIONS IN THE COMMUNICATIONS. NO WARRANTY OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, INCLUDING ANY WARRANTY OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF THIRD PARTY RIGHTS OR FREEDOM FROM VIRUSES OR OTHER CODE DEFECTS IS MADE
BY THE ADMINISTRATIVE AGENT OR ANY OF ITS RELATED PARTIES IN CONNECTION WITH THE COMMUNICATIONS OR THE PLATFORM. IN NO EVENT SHALL
THE ADMINISTRATIVE AGENT OR ANY OF ITS RELATED PARTIES HAVE ANY LIABILITY TO ANY CREDIT PARTY, ANY LENDER OR ANY OTHER PERSON FOR
DAMAGES OF ANY KIND, WHETHER OR NOT BASED ON STRICT LIABILITY AND INCLUDING DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL
DAMAGES, LOSSES OR EXPENSES (WHETHER IN TORT, CONTRACT OR OTHERWISE) ARISING OUT OF ANY CREDIT PARTY&rsquo;S OR THE ADMINISTRATIVE
AGENT&rsquo;S TRANSMISSION OF COMMUNICATIONS THROUGH THE INTERNET, EXCEPT TO THE EXTENT THE LIABILITY OF ANY SUCH PERSON IS FOUND
IN A FINAL RULING BY A COURT OF COMPETENT JURISDICTION TO HAVE RESULTED PRIMARILY FROM SUCH PERSON&rsquo;S GROSS NEGLIGENCE OR
WILLFUL MISCONDUCT.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Administrative
Agent agrees that the receipt of the Communications by the Administrative Agent at its e-mail address set forth above shall constitute
effective delivery of the Communications to the Administrative Agent for purposes of the Credit Documents. Each Lender agrees that
receipt of notice to it (as provided in the next sentence) specifying that the Communications have been posted to the Platform
shall constitute effective delivery of the Communications to such Lender for purposes of the Credit Documents. Each Lender agrees
to notify the Administrative Agent in writing (including by electronic communication) from time to time of such Lender&rsquo;s
e-mail address to which the foregoing notice may be sent by electronic transmission and that the foregoing notice may be sent to
such e-mail address.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Nothing herein shall
prejudice the right of the Administrative Agent, the Collateral Agent or any Lender to give any notice or other communication pursuant
to any Credit Document in any other manner specified in such Credit Document.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.02<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Survival of Agreement</I>. All covenants, agreements, representations and warranties made by the Borrower herein and
in the certificates or other instruments prepared or delivered in connection with or pursuant to this Agreement or any other Credit
Document shall be considered to have been relied upon by the Lenders and shall survive the making by the Lenders of the Loans,
regardless of any investigation made by the Lenders or on their behalf, and shall continue in full force and effect as long as
the principal of or any accrued interest on any Loan or any Fee or any other amount payable under this Agreement or any other Credit
Document is outstanding and unpaid and so long as the Commitments have not been terminated. The provisions of <U>Section 2.13</U>,
<U>Section 2.17</U> and <U>Section 9.05</U> shall remain operative and in full force and effect regardless of the expiration of
the term of this Agreement, the consummation of the transactions contemplated hereby, the repayment of any of the Loans, the expiration
of the Commitments, the invalidity or unenforceability of any term or provision of this Agreement or any other Credit Document,
or any investigation made by or on behalf of the Administrative Agent, the Collateral Agent, any Lender.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.03<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Binding Effect</I>. This Agreement shall become effective when it shall have been executed by the Borrower, the Agents,
the Lenders and when the Administrative Agent shall have received counterparts hereof which, when taken together, bear the signatures
of each of the other parties hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.04<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Successors and Assigns</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Whenever in this Agreement any of the parties hereto is referred to, such reference shall be deemed to include the permitted
successors and assigns of such party; and all covenants, promises and agreements by or on behalf of the Borrower, the Administrative
Agent, the Collateral Agent or the Lenders that are contained in this Agreement shall bind and inure to the benefit of their respective
successors and assigns.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Lender may assign to one (1) or more Eligible Assignees all or a portion of its interests, rights and obligations under
this Agreement (including all or a portion of its Commitment and the Loans at the time owing to it), with the prior consent of
the Borrower (which consent shall not be unreasonably withheld or delayed) and with notice to the Administrative Agent; <I>provided</I>
that (i) (A) notwithstanding anything to the contrary, no Lender may assign or transfer by participation any of its rights or obligations
hereunder to any Person that is a Disqualified Lender (and any failure of the Borrower to respond to any request for consent of
assignment shall not cause such Person to cease to constitute a Disqualified Lender), (B) the consent of the Borrower (1) shall
not be required to any such assignment made (x) to another Lender, an Affiliate of a Lender or a Related Fund of a Lender or (y)
after the occurrence and during the continuance of any Event of Default under <U>Section 7.01(a)</U> or <U>Section 7.01(h)</U>
and (2) shall be deemed to have been given if the Borrower has not responded with ten (10) Business Days of a written request for
such consent, (C) the amount of the Commitment or Loans of the assigning Lender subject to each such assignment (determined as
of the date the Assignment and Acceptance with respect to such assignment is delivered to the Administrative Agent) shall be in
an integral multiple of, and not less than, $1,000,000 (or, if less, the entire remaining amount of such Lender&rsquo;s Commitment
or Loans); <I>provided</I> that simultaneous assignments by two (2) or more Related Funds shall be combined for purposes of determining
whether the minimum assignment requirement is met, (ii) the parties to each assignment shall (A) manually execute and deliver to
the Administrative Agent an Assignment and Acceptance or (B) if previously agreed with the Administrative Agent, execute and deliver
to the Administrative Agent an Assignment and Acceptance via an electronic settlement system acceptable to the Administrative Agent,
and, in each case, shall pay to the Administrative Agent a processing and recordation fee of $3,500 (which fee may be waived or
reduced in the sole discretion of the Administrative Agent), and (iii) the assignee, if it shall not be a Lender, shall deliver
to the Administrative Agent an Administrative Questionnaire (in which the assignee shall designate one (1) or more credit contacts
to whom all syndicate-level information (which may contain material non-public information about the Credit Parties and their Related
Parties or their respective securities) will be made available and who may receive such information in accordance with the assignee&rsquo;s
compliance procedures and applicable laws, including federal and state securities laws), all applicable forms described in <U>Section&nbsp;2.17(f)</U>,
and any other related documentation reasonably requested by the Administrative Agent. Upon acceptance and recording pursuant to
<U>clause (e)</U> of this <U>Section&nbsp;9.04</U>, from and after the effective date specified in each Assignment and Acceptance,
(A) the assignee thereunder shall be a party hereto and, to the extent of the interest assigned by such Assignment and Acceptance,
have the rights and obligations of a Lender under this Agreement and (B) the assigning Lender thereunder shall, to the extent of
the interest assigned by such Assignment and Acceptance, be released from its obligations under this Agreement (and, in the case
of an Assignment and Acceptance covering all or the remaining portion of an assigning Lender&rsquo;s rights and obligations under
this Agreement, such Lender shall cease to be a party hereto but shall continue to be entitled to the benefits of <U>Section 2.13</U>,
<U>Section 2.17</U> and <U>Section 9.05</U>, as well as to any Fees accrued for its account and not yet paid); <I>provided </I>that
except to the extent otherwise expressly agreed by the affected parties, no assignment by a Defaulting Lender will constitute a
waiver or release of any claim of any party hereunder arising from that Lender having been a Defaulting Lender. In connection with
any assignment of rights and obligations of any Defaulting Lender hereunder, no such assignment shall be effective unless and until,
in addition to the other conditions thereto set forth herein, the parties to the assignment shall make such additional payments
to the Administrative Agent in an aggregate amount sufficient, upon distribution thereof as appropriate to pay and satisfy in full
all payment liabilities then owed by such Defaulting Lender to the Administrative Agent and each Lender hereunder (and interest
accrued thereon). Notwithstanding the foregoing, in the event that any assignment of rights and obligations of any Defaulting Lender
hereunder shall become effective under applicable law without compliance with the provisions of this <U>clause (b)</U>, then the
assignee of such interest shall be deemed to be a Defaulting Lender for all purposes of this Agreement until such compliance occurs.
Any assignment that is made prior to the Closing Date shall not be effective until the occurrence of the Closing Date; <I>provided</I>
that it is understood and agreed that AUSA may assign all or a portion of its Commitments to any of its Affiliates and/or Related
Funds on the Closing Date, and such Affiliates and/or Related Funds may fund the portion of the Loan to be funded hereunder by
AUSA on the Closing Date (but AUSA shall not be relieved of its obligation to fund the Loan on the Closing Date until the funding
by such Affiliates and/or Related Funds has occurred).</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>By executing and delivering an Assignment and Acceptance, the assigning Lender thereunder and the assignee thereunder shall
be deemed to confirm to and agree with each other and the other parties hereto as follows: (i) such assigning Lender warrants that
it is the legal and beneficial owner of the interest being assigned thereby free and clear of any adverse claim and that its Commitment
and the outstanding balances of its Loans, in each case without giving effect to assignments thereof which have not become effective,
are as set forth in such Assignment and Acceptance; (ii) except as set forth in <U>clause (i)</U> above, such assigning Lender
makes no representation or warranty and assumes no responsibility with respect to any statements, warranties or representations
made in or in connection with this Agreement, or the execution, legality, validity, enforceability, genuineness, sufficiency or
value of this Agreement, any other Credit Document or any other instrument or document furnished pursuant hereto, or the financial
condition of the Borrower or any Subsidiary or the performance or observance by the Borrower or any Subsidiary of any of its obligations
under this Agreement, any other Credit Document or any other instrument or document furnished pursuant hereto; (iii) such assignee
represents and warrants that it is an Eligible Assignee legally authorized to enter into such Assignment and Acceptance; (iv) such
assignee confirms that it has received a copy of this Agreement, together with copies of the most recent financial statements referred
to in <U>Section&nbsp;3.05</U> or delivered pursuant to <U>Section&nbsp;5.01</U> and such other documents and information as it
has deemed appropriate to make its own credit analysis and decision to enter into such Assignment and Acceptance; (v) such assignee
will independently and without reliance upon the Administrative Agent, the Collateral Agent, such assigning Lender or any other
Lender and based on such documents and information as it shall deem appropriate at the time, continue to make its own credit decisions
in taking or not taking action under this Agreement; (vi) such assignee appoints and authorizes the Administrative Agent and the
Collateral Agent to take such action as agent on its behalf and to exercise such powers under this Agreement as are delegated to
the Administrative Agent and the Collateral Agent, respectively, by the terms hereof, together with such powers as are reasonably
incidental thereto; and (vii) such assignee agrees that it will perform in accordance with their terms all the obligations which
by the terms of this Agreement are required to be performed by it as a Lender. In the event that any Disqualified Lender or any
Affiliate of a Disqualified Lender delivers an Assignment and Acceptance and the Borrower has not given its prior consent to such
Assignment and Acceptance, &nbsp;(i) the Borrower may require such Person to assign its rights and obligations to one or more Eligible
Assignees at a purchase price equal to the lesser of par and the amount such Person paid to acquire such Loan, (ii) if such Person
does not execute and deliver to the Administrative Agent a duly executed Assignment and Acceptance reflecting such assignment within
five (5) Business Days of the date on which such Eligible Assignee executes and such Eligible Assignee (or the Administrative Agent
on its behalf) delivers such Assignment and Acceptance to such Person, then such Person shall be deemed to have executed and delivered
such Assignment and Acceptance without any action on its part, (iii) no such Person shall receive any information or reporting
provided by the Borrower, the Administrative Agent or any Lender, (iv) for purposes of voting, any Loans held by such Person shall
be deemed not to be outstanding, and any such Person shall have no voting or consent rights with respect to &ldquo;Required Lender&rdquo;
votes or consents, (v) for purposes of any matter requiring the vote or consent of each Lender affected by any amendment or waiver,
such Person shall be deemed to have voted or consented to approve such amendment or waiver if a majority of the Loans so approves
such matter (after giving effect to <U>clause (iv)</U>) and (vi) no such Person shall be entitled to any expense reimbursement
or indemnification rights.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Administrative Agent, acting for this purpose as a non-fiduciary agent of the Borrower, shall maintain at one (1) of
its offices in the United States of America a copy of each Assignment and Acceptance delivered to it and a register for the recordation
of the names and addresses of the Lenders, and the Commitment of, and principal amount (and stated interest) of the Loans owing
to, each Lender pursuant to the terms hereof from time to time (the &ldquo;<B>Register</B>&rdquo;). The entries in the Register
shall be conclusive and the Borrower, the Administrative Agent, the Collateral Agent and the Lenders shall treat each Person whose
name is recorded in the Register pursuant to the terms hereof as a Lender hereunder for all purposes of this Agreement, notwithstanding
notice to the contrary. The Register shall be available for inspection by the Borrower, the Collateral Agent and any Lender, at
any reasonable time and from time to time upon reasonable prior notice. This <U>Section&nbsp;9.04(d)</U> is intended to be construed
so that the Loans are at all times maintained in &ldquo;registered form&rdquo; within the meaning of Sections 163(f), 871(h)(2)
and 881(c)(2) of the Code.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Upon its receipt of, and consent to, a duly completed Assignment and Acceptance executed by an assigning Lender and an assignee,
an Administrative Questionnaire completed in respect of the assignee (if applicable to such assignee), the processing and recordation
fee referred to in <U>clause (b)</U> above, if applicable, and the written consent of the Administrative Agent and, if required,
the Borrower to such assignment and any applicable forms described in <U>Section&nbsp;2.17(f)</U>, the Administrative Agent shall
promptly (i) accept such Assignment and Acceptance and (ii) record the information contained therein in the Register. No assignment
shall be effective unless it has been recorded in the Register as provided in this <U>clause (e)</U>.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Lender may without the consent of the Borrower or the Administrative Agent sell participations to one (1) or more banks
or other Persons in all or a portion of its rights and obligations under this Agreement (including all or a portion of its Commitment
and the Loans owing to it); <I>provided</I> that (i) such Lender&rsquo;s obligations under this Agreement shall remain unchanged,
(ii) such Lender shall remain solely responsible to the other parties hereto for the performance of such obligations, (iii) the
participating banks or other Persons shall be entitled to the benefit of the cost protection provisions contained in <U>Section
2.13</U> and <U>Section 2.17</U> (subject to the requirements and limitations therein, including the requirements under <U>Section&nbsp;2.17(f)</U>
(it being understood that the documentation required under <U>Section&nbsp;2.17(f)</U> shall be delivered to the participating
Lender)) to the same extent as if they were Lenders, <I>provided </I>that such participating banks or other Persons shall not be
entitled to receive any greater payment under <U>Section 2.13</U> or <U>Section 2.17</U>, with respect to any participation, than
its participating Lender would have been entitled to receive, except to the extent such entitlement to receive a greater payment
results from a Change in Law that occurs after such participating banks or other Persons acquired the applicable participation,
and (iv) the Borrower, the Administrative Agent and the Lenders shall continue to deal solely and directly with such Lender in
connection with such Lender&rsquo;s rights and obligations under this Agreement, and such Lender shall retain the sole right to
enforce the obligations of the Borrower relating to the Loans and to approve any amendment, modification or waiver of any provision
of this Agreement (other than amendments, modifications or waivers decreasing any fees payable to such participating bank or Person
hereunder or the amount of principal of or the rate at which interest is payable on the Loans in which such participating bank
or Person has an interest, extending any scheduled principal payment date or date fixed for the payment of interest on the Loans
in which such participating bank or Person has an interest, (which shall not in any event include a waiver of default interest
or a waiver or modification of any prepayment provisions) increasing or extending the Commitments in which such participating bank
or Person has an interest or releasing any Guarantor (other than in connection with the sale of such Guarantor in a transaction
permitted by <U>Section&nbsp;6.02</U>) or all or substantially all of the Collateral). To the extent permitted by law, each participating
bank or other Person also shall be entitled to the benefits of <U>Section&nbsp;9.06</U> as though it were a Lender; <I>provided</I>
that such participating bank or other Person agrees to be subject to <U>Section&nbsp;2.15</U> as though it were a Lender. Each
Lender that sells a participation shall, acting solely for this purpose as a non-fiduciary agent of the Borrower, maintain a register
on which it enters the name and address of each participant and the principal amounts (and stated interest) of each participant&rsquo;s
interest in the Loans or other obligations under this Agreement (the &ldquo;<B>Participant Register</B>&rdquo;); <I>provided </I>that
no Lender shall have any obligation to disclose all or any portion of the Participant Register to any Person (including the identity
of any participant or any information relating to a participant&rsquo;s interest in any Commitments, Loans or its other obligations
under any Credit Document) except to the extent that such disclosure is necessary to establish that such Commitment, Loan or other
obligation is in registered form under Section&nbsp;5f.103-1(c) of the United States Treasury Regulations. The entries in the Participant
Register shall be conclusive absent manifest error, and the Borrower, the Lenders and the Administrative Agent shall treat each
Person whose name is recorded in the Participant Register as the owner of such participation for all purposes of this Agreement,
notwithstanding any notice to the contrary. For the avoidance of doubt, the Administrative Agent (in its capacity as Administrative
Agent) shall not have any responsibility for maintaining a Participant Register.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Any Lender or participant may, in connection with any assignment or participation or proposed assignment or participation
pursuant to this <U>Section&nbsp;9.04</U>, disclose to the assignee or participant or proposed assignee or participant any information
relating to the Borrower furnished to such Lender by or on behalf of the Borrower; <I>provided</I> that, prior to any such disclosure
of information designated by the Borrower as confidential, each such assignee or participant or proposed assignee or participant
shall execute an agreement whereby such assignee or participant shall agree (subject to customary exceptions) to preserve the confidentiality
of such confidential information on terms no less restrictive than those applicable to the Lenders pursuant to <U>Section&nbsp;9.16</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Any Lender may at any time assign all or any portion of its rights under this Agreement to secure extensions of credit to
such Lender or in support of obligations owed by such Lender (including any such assignment or pledge in support of obligations
owed to a Federal Reserve Bank or any other central banking authority); <I>provided </I>that no such assignment shall release a
Lender from any of its obligations hereunder or substitute any such assignee for such Lender as a party hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding anything to the contrary contained herein, any Lender (a &ldquo;<B>Granting Lender</B>&rdquo;) may grant
to a special purpose funding vehicle (an &ldquo;<B>SPV</B>&rdquo;), identified as such in writing from time to time by the Granting
Lender to the Administrative Agent and the Borrower, the option to provide to the Borrower all or any part of any Loan that such
Granting Lender would otherwise be obligated to make to the Borrower pursuant to this Agreement; <I>provided </I>that (i) nothing
herein shall constitute a commitment by any SPV to make any Loan and (ii) if an SPV elects not to exercise such option or otherwise
fails to provide all or any part of such Loan, the Granting Lender shall be obligated to make such Loan pursuant to the terms hereof.
The making of a Loan by an SPV hereunder shall utilize the Commitment of the Granting Lender to the same extent, and as if, such
Loan were made by such Granting Lender. Each party hereto hereby agrees that no SPV shall be liable for any indemnity or similar
payment obligation under this Agreement (all liability for which shall remain with the Granting Lender). In furtherance of the
foregoing, each party hereto hereby agrees (which agreement shall survive the termination of this Agreement) that, prior to the
date that is one (1) year and one (1) day after the payment in full of all outstanding commercial paper or other senior indebtedness
of any SPV, it will not institute against, or join any other Person in instituting against, such SPV any bankruptcy, reorganization,
arrangement, insolvency or liquidation proceedings under the laws of the United States or any State thereof. In addition, notwithstanding
anything to the contrary contained in this <U>Section&nbsp;9.04</U>, any SPV may (i) with notice to, but without the prior written
consent of, the Borrower and the Administrative Agent and without paying any processing fee therefor, assign all or a portion of
its interests in any Loans to the Granting Lender or to any financial institutions (consented to by the Borrower and Administrative
Agent) providing liquidity and/or credit support to or for the account of such SPV to support the funding or maintenance of Loans
and (ii) disclose on a confidential basis any non-public information relating to its Loans to any rating agency, commercial paper
dealer or provider of any surety, guarantee or credit or liquidity enhancement to such SPV.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(j)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Borrower shall not assign or delegate any of its rights or duties hereunder without the prior written consent of the
Administrative Agent and each Lender, and any attempted assignment without such consent shall be null and void.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(k)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding anything to the contrary contained herein, neither the Administrative Agent nor any Lender shall have any
responsibility or have any liability for, or have any duty to ascertain, inquire into, monitor or enforce, compliance with the
provisions of this Agreement relating to Disqualified Lenders or Affiliate of a Lenders or assignment or participations to Disqualified
Lenders. Without limiting the generality of the foregoing, the Administrative Agent shall not (x) be obligated to ascertain, monitor
or inquire as to whether any Lender or prospective Lender is a Disqualified Lender or Affiliate of a Lender or (y) have any liability
with respect to or arising out of any assignment of Loans, or disclosure of confidential information to any Disqualified Lender
or Affiliate of a Lender.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.05<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Expenses; Indemnity</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Borrower agrees to pay (i) all reasonable out-of-pocket expenses incurred by the Administrative Agent, the Collateral
Agent and each Related Party of any of the foregoing Persons in connection with the preparation, execution, delivery and administration
of this Agreement and the other Credit Documents or in connection with any amendments, modifications or waivers of the provisions
hereof or thereof (whether or not the transactions hereby or thereby contemplated shall be consummated) (but limited, with respect
to legal expenses, to the reasonable and documented fees, disbursements and other charges of one (1) single firm of primary counsel,
one (1) single firm of special counsel and one (1) firm of additional local counsel for each applicable jurisdiction to the Administrative
Agent and the Collateral Agent taken as a whole, and one (1) additional single firm of primary counsel and one (1) firm of additional
local counsel for each applicable jurisdiction to the Lenders, taken as a whole) and (ii) all documented (in summary form) out-of-pocket
expenses incurred by the Administrative Agent, the Collateral Agent each Lender and each Related Party of any of the foregoing
Persons in connection with the enforcement or protection of its rights in connection with this Agreement and the other Credit Documents
or in connection with the Loans made hereunder or in connection with any refinancing or restructuring of the credit arrangements
provided under this Agreement in the nature of a &ldquo;work-out&rdquo; or pursuant to any insolvency or bankruptcy proceedings
(but limited, with respect to legal expenses, to the reasonable and documented fees, disbursements and other charges of one (1)
single firm of primary counsel, one (1) firm of special counsel and one (1) firm of additional local counsel for each applicable
jurisdiction to the Administrative Agent and the Collateral Agent taken as a whole, and one (1) additional single firm of primary
counsel and one (1) firm of additional local counsel for each applicable jurisdiction to the Lenders, taken as a whole).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Borrower agrees to indemnify the Administrative Agent, the Collateral Agent, each Lender and each Related Party of any
of the foregoing Persons (each such Person being called an &ldquo;<B>Indemnitee</B>&rdquo;) against, and to hold each Indemnitee
harmless from, any and all losses, penalties, claims, damages, liabilities, obligations, fines and related expenses, including
reasonable counsel fees, charges and disbursements (but limited, with respect to legal expenses, to the reasonable and documented
fees, disbursements and other charges of one (1) single firm of primary counsel to the Administrative Agent and the Collateral
Agent (and their Related Parties) taken as a whole, one (1) single firm of primary counsel to all other Indemnitees taken as a
whole, one (1) firm of special counsel and one (1) additional firm of local counsel for each applicable jurisdiction for all similarly
situated Indemnitees (it being agreed that, in the case of any actual or perceived conflict of interest between or among any Indemnitees,
such Indemnitees shall be deemed not to be similarly situated and each such group of Indemnitees shall be entitled to additional
counsel as set forth herein)), incurred by or asserted against any Indemnitee arising out of, in any way connected with, or as
a result of or by reason of (i) the execution or delivery of this Agreement or any other Credit Document or any agreement or instrument
contemplated thereby, the performance by the parties thereto of their respective obligations thereunder or the consummation of
the Transactions and the other transactions contemplated thereby, (ii) the use of the proceeds of the Loans, (iii) any claim, litigation,
investigation or proceeding relating to any of the foregoing (including in connection with the enforcement of this <U>Section 9.05</U>),
whether or not any Indemnitee is a party thereto (and regardless of whether such matter is initiated by a third party or Credit
Party or any of their respective Affiliates) or (iv) the actual or alleged presence of, or exposure to, Hazardous Materials in
the indoor or outdoor air, surface water or groundwater or on the surface or subsurface of any Real Property at any time owned,
leased or operated by the Borrower or any of its Subsidiaries, the generation, storage, transportation, handling, Release or disposal
of Hazardous Materials by the Borrower or any of its Subsidiaries at any location, whether or not owned, leased or operated by
the Borrower or any of its Subsidiaries, the non-compliance by, or liability of or relating to, the Borrower, any of its Subsidiaries
or any Real Property at any time owned, leased or operated by the Borrower or any of its Subsidiaries with, relating to, or under
any Environmental Law (including applicable permits thereunder), or any Environmental Claim threatened or asserted against or relating
to the Borrower, any of its Subsidiaries or any Real Property at any time owned, leased or operated by the Borrower or any of its
Subsidiaries; <I>provided</I> that such indemnity shall not, as to any Indemnitee, be available to the extent that such losses,
claims, damages, liabilities or related expenses are determined by a court of competent jurisdiction by final and nonappealable
judgment to have resulted primarily from the gross negligence or willful misconduct of such Indemnitee. This <U>Section 9.05(b)</U>
shall not apply with respect to Taxes other than any Taxes that represent losses, claims, damages, etc., arising from any non-Tax
claim.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>To the extent that the Borrower fails to pay any amount required to be paid by it to the Administrative Agent, the Collateral
Agent and their Related Parties under <U>clause (a)</U> or <U>(b)</U> of this Section, each Lender severally agrees to pay to the
Administrative Agent, the Collateral Agent or their Related Parties, as the case may be, such Lender&rsquo;s pro rata share (determined
as of the time that the applicable unreimbursed expense or indemnity payment is sought) of such unpaid amount; <I>provided </I>that
the unreimbursed expense or indemnified loss, claim, damage, liability or related expense, as the case may be, was incurred by
or asserted against the Administrative Agent, the Collateral Agent in its capacity as such. For purposes hereof, a Lender&rsquo;s
 &ldquo;pro rata share&rdquo; shall be determined based upon its share of the outstanding Loans at the time.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>To the extent permitted by applicable law, no Credit Party shall assert, and each Credit Party hereby waives, any claim
against any Indemnitee, on any theory of liability, for special, indirect, consequential, incidental or punitive damages (as opposed
to direct or actual damages) arising out of, in connection with, or as a result of, this Agreement, any other Credit Document or
any agreement or instrument contemplated hereby or thereby, the Transactions or any Loan or the use of the proceeds thereof.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>All amounts due under this <U>Section&nbsp;9.05</U> shall be payable on written demand therefor.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.06<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Right of Setoff</I>.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>If an Event of Default shall have occurred and be continuing, each Lender is hereby authorized at any time and from time
to time, except to the extent prohibited by law, without presentment, demand, protest or other notice of any kind to any Credit
Party or to any other Person, any such notice being hereby expressly waived, to set off and apply any and all deposits (general
or special, time or demand, provisional or final) at any time held and other indebtedness at any time owing by such Lender (including
by branches and agencies of such Lender wherever located) to or for the credit or the account of the Borrower against any of and
all the obligations of the Borrower now or hereafter existing under this Agreement and other Credit Documents held by such Lender,
irrespective of whether or not such Lender shall have made any demand under this Agreement or such other Credit Document and although
such obligations may be unmatured; <I>provided</I> that in the event that any Defaulting Lender shall exercise any such right of
setoff, (x) all amounts so set off shall be paid over immediately to the Administrative Agent for further application in accordance
with the provisions of <U>Section&nbsp;2.19</U> and, pending such payment, shall be segregated by such Defaulting Lender from its
other funds and deemed held in trust for the benefit of the Administrative Agent and the Lenders, and (y) the Defaulting Lender
shall provide promptly to the Administrative Agent a statement describing in reasonable detail the Obligations owing to such Defaulting
Lender as to which it exercised such right of setoff. The rights of each Lender under this <U>Section&nbsp;9.06</U> are in addition
to other rights and remedies (including other rights of setoff) which such Lender may have. Each Lender agrees to notify the Borrower
and the Administrative Agent promptly after any such setoff and application; <I>provided</I> that the failure to give such notice
shall not affect the validity of such setoff and application.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>NOTWITHSTANDING THE FOREGOING <U>SUBSECTION&nbsp;(a)</U>, AT ANY TIME THAT THE LOANS OR ANY OTHER OBLIGATION SHALL BE SECURED
BY REAL PROPERTY LOCATED IN CALIFORNIA, NO LENDER SHALL EXERCISE A RIGHT OF SETOFF, LIEN OR COUNTERCLAIM OR TAKE ANY COURT OR ADMINISTRATIVE
ACTION OR INSTITUTE ANY PROCEEDING TO ENFORCE ANY PROVISION OF THIS AGREEMENT OR ANY NOTE UNLESS IT IS TAKEN WITH THE CONSENT OF
THE REQUIRED LENDERS OR APPROVED IN WRITING BY THE ADMINISTRATIVE AGENT, IF SUCH SETOFF OR ACTION OR PROCEEDING WOULD OR MIGHT
(PURSUANT TO CALIFORNIA CODE OF CIVIL PROCEDURE SECTIONS 580a, 580b, 580d AND 726 OF THE CALIFORNIA CODE OF CIVIL PROCEDURE OR
SECTION&nbsp;2924 OF THE CALIFORNIA CIVIL CODE, IF APPLICABLE, OR OTHERWISE) AFFECT OR IMPAIR THE VALIDITY, PRIORITY OR ENFORCEABILITY
OF THE LIENS GRANTED TO THE COLLATERAL AGENT PURSUANT TO THE SECURITY DOCUMENTS OR THE ENFORCEABILITY OF THE NOTES AND OTHER OBLIGATIONS
HEREUNDER, AND ANY ATTEMPTED EXERCISE BY ANY LENDER OF ANY SUCH RIGHT WITHOUT OBTAINING SUCH CONSENT OF THE REQUIRED LENDERS OR
THE ADMINISTRATIVE AGENT SHALL BE NULL AND VOID. THIS <U>SUBSECTION&nbsp;(b)</U> IS FOR THE SOLE BENEFIT OF THE LENDERS AND SHALL
NOT AFFORD ANY RIGHT TO, OR CONSTITUTE A DEFENSE AVAILABLE TO, ANY CREDIT PARTY.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.07<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Applicable Law</I>. THIS AGREEMENT AND THE OTHER CREDIT DOCUMENTS (OTHER THAN AS EXPRESSLY SET FORTH IN OTHER CREDIT
DOCUMENTS) AND ANY CLAIM, CONTROVERSY OR DISPUTE ARISING UNDER OR RELATED TO THIS AGREEMENT OR ANY SUCH OTHER CREDIT DOCUMENTS
(INCLUDING ANY CLAIMS SOUNDING IN CONTRACT LAW OR TORT LAW ARISING OUT OF THE SUBJECT MATTER HEREOF) SHALL BE CONSTRUED IN ACCORDANCE
WITH AND GOVERNED BY THE LAWS OF THE STATE OF NEW YORK.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.08<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Waivers; Amendment</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No failure or delay of the Administrative Agent, the Collateral Agent, any Lender in exercising any power or right hereunder
or under any other Credit Document and no course of dealing between any other Credit Party and the Administrative Agent, the Collateral
Agent or any Lender shall operate as a waiver thereof, nor shall any single or partial exercise of any such right or power, or
any abandonment or discontinuance of steps to enforce such a right or power, preclude any other or further exercise thereof or
the exercise of any other right or power. The rights and remedies of the Administrative Agent, the Collateral Agent and the Lenders
hereunder and under the other Credit Documents are cumulative and are not exclusive of any rights or remedies that they would otherwise
have. No waiver of any provision of this Agreement or any other Credit Document or consent to any departure by any Credit Party
therefrom shall in any event be effective unless the same shall be permitted by <U>clause (b)</U> below, and then such waiver or
consent shall be effective only in the specific instance and for the purpose for which given. No notice or demand on the Borrower
in any case shall entitle the Borrower to any other or further notice or demand in similar or other circumstances.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Neither this Agreement nor any provision hereof may be waived, amended or modified except pursuant to an agreement or agreements
in writing entered into by the Borrower and the Administrative Agent (acting at the direction of the Required Lenders); <I>provided</I>
that no such agreement shall (i) decrease the principal amount of, or extend the maturity of or any scheduled principal payment
date or any date for the payment of any interest on any Loan, or waive or excuse any such payment or any part thereof, or decrease
the rate of interest on any Loan, without the prior written consent of each Lender directly adversely affected thereby, (ii) decrease
or extend the date for payment of any Fees of any Lender without the prior written consent of such Lender; <I>provided</I> that
only the consent of the Required Lenders shall be necessary to amend the interest rate described in <U>Section 2.07</U> or to waive
any obligation of the Borrower to pay interest at the interest rate provided for in <U>Section 2.07</U>, (iii) amend or modify
the pro rata requirements of <U>Section&nbsp;2.14</U>, the provisions of <U>Section&nbsp;9.04</U> or the provisions of this Section
or release any Guarantor (other than in connection with the sale of such Guarantor in a transaction permitted by <U>Section&nbsp;6.02</U>)
or all or substantially all of the Collateral, without the prior written consent of each Lender, (iv)[reserved], (v) modify the
protections afforded to an SPV pursuant to the provisions of <U>Section&nbsp;9.04(i)</U> without the written consent of such SPV
or (vi) reduce the percentage contained in the definition of the term &ldquo;Required Lenders&rdquo; without the prior written
consent of each Lender; <I>provided further </I>that no such agreement shall amend, modify or otherwise affect the rights or duties
of the Administrative Agent or the Collateral Agent hereunder or under any other Credit Document without the prior written consent
of the Administrative Agent or the Collateral Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding the foregoing, this Agreement may be amended (or amended and restated) with the written consent of the Required
Lenders, the Administrative Agent and the Borrower (i) to add one (1) or more additional credit facilities to this Agreement and
to permit the extensions of credit from time to time thereunder and the accrued interest and fees in respect thereof to share ratably
in the benefits of this Agreement and the other Credit Documents with the Loans and the accrued interest and fees in respect thereof,
(ii) to include appropriately the Lenders holding such credit facilities in any determination of the Required Lenders and (iii)
to permit any such additional credit facilities which are term facilities to share ratably with the Loans in the application of
prepayments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>In addition, notwithstanding the foregoing, if the Administrative Agent and the Borrower shall have jointly identified an
obvious error or any error or omission of a technical or immaterial nature in any provision of the Credit Documents, then the Administrative
Agent and the Borrower shall be permitted to amend such provision and such amendment shall become effective without any further
action or consent of any other party to any Credit Document if the same is not objected to in writing by the Required Lenders within
five (5) Business Days after notice thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.09<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Interest Rate Limitation</I>. Notwithstanding anything herein to the contrary, if at any time the interest rate applicable
to any Loan, together with all fees, charges and other amounts which are treated as interest on such Loan under applicable law
(collectively the &ldquo;<B>Charges</B>&rdquo;), shall exceed the maximum lawful rate (the &ldquo;<B>Maximum Rate</B>&rdquo;) which
may be contracted for, charged, taken, received or reserved by the Lender holding such Loan in accordance with applicable law,
the rate of interest payable in respect of such Loan hereunder, together with all Charges payable in respect thereof, shall be
limited to the Maximum Rate and, to the extent lawful, the interest and Charges that would have been payable in respect of such
Loan but were not payable as a result of the operation of this <U>Section&nbsp;9.09</U> shall be cumulated and the interest and
Charges payable to such Lender in respect of other Loans or periods shall be increased (but not above the Maximum Rate therefor)
until such cumulated amount, together with interest thereon at the Federal Funds Effective Rate to the date of repayment, shall
have been received by such Lender.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.10<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Entire Agreement</I>. This Agreement and the other Credit Documents constitute the entire contract between the parties
relative to the subject matter hereof. Any other previous agreement among the parties with respect to the subject matter hereof
is superseded by this Agreement and the other Credit Documents. Nothing in this Agreement or in the other Credit Documents, expressed
or implied, is intended to confer upon any Person (other than the parties hereto and thereto, their respective successors and assigns
permitted hereunder and, to the extent expressly contemplated hereby, the Related Parties of each of the Administrative Agent,
the Collateral Agent and the Lenders) any rights, remedies, obligations or liabilities under or by reason of this Agreement or
the other Credit Documents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.11<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><I>WAIVER OF JURY TRIAL</I>. EACH PARTY HERETO HEREBY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY
RIGHT IT MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF, UNDER OR IN CONNECTION
WITH THIS AGREEMENT OR ANY OF THE OTHER CREDIT DOCUMENTS. EACH PARTY HERETO (A) CERTIFIES THAT NO REPRESENTATIVE, AGENT OR ATTORNEY
OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT, IN THE EVENT OF LITIGATION, SEEK TO
ENFORCE THE FOREGOING WAIVER AND (B) ACKNOWLEDGES THAT IT AND THE OTHER PARTIES HERETO HAVE BEEN INDUCED TO ENTER INTO THIS AGREEMENT
AND THE OTHER CREDIT DOCUMENTS, AS APPLICABLE, BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS <U>SECTION&nbsp;9.11</U>.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.12<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Severability</I>. In the event any one (1) or more of the provisions contained in this Agreement or in any other Credit
Document should be held invalid, illegal or unenforceable in any respect, the validity, legality and enforceability of the remaining
provisions contained herein and therein shall not in any way be affected or impaired thereby (it being understood that the invalidity
of a particular provision in a particular jurisdiction shall not in and of itself affect the validity of such provision in any
other jurisdiction). The parties shall endeavor in good-faith negotiations to replace the invalid, illegal or unenforceable provisions
with valid provisions the economic effect of which comes as close as possible to that of the invalid, illegal or unenforceable
provisions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.13<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Counterparts</I>. This Agreement may be executed in counterparts (and by different parties hereto on different counterparts),
each of which shall constitute an original but all of which when taken together shall constitute a single contract, and shall become
effective as provided in <U>Section&nbsp;9.03</U>. Delivery of an executed signature page to this Agreement by facsimile or other
form of electronic transmission (e.g. &ldquo;pdf&rdquo; or &ldquo;tif.&rdquo; via electronic mail) shall be as effective as delivery
of a manually signed counterpart of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.14<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Headings</I>. Article and Section headings and the Table of Contents used herein are for convenience of reference only,
are not part of this Agreement and are not to affect the construction of, or to be taken into consideration in interpreting, this
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.15<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Jurisdiction; Consent to Service of Process</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Credit Party hereby irrevocably and unconditionally submits, for itself and its property, to the exclusive jurisdiction
of any New York state court or federal court of the United States of America sitting in New York City, and any appellate court
from any thereof, in any action or proceeding arising out of or relating to this Agreement or the other Credit Documents, or for
recognition or enforcement of any judgment, and each of the parties hereto hereby irrevocably and unconditionally agrees that all
claims in respect of any such action or proceeding may be heard and determined in such New York state or, to the extent permitted
by law, in such federal court; <I>provided</I> that suit for the recognition or enforcement of any judgment obtained in any such
New York state or federal court may be brought in any other court of competent jurisdiction. Each of the parties hereto agrees
that a final judgment in any such action or proceeding shall be conclusive and may be enforced in other jurisdictions by suit on
the judgment or in any other manner provided by law. Nothing in this Agreement shall affect any right that the Administrative Agent,
the Collateral Agent or any Lender may otherwise have to bring any action or proceeding relating to this Agreement or the other
Credit Documents against the Borrower or its properties in the courts of any jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Borrower hereby irrevocably and unconditionally waives, to the fullest extent it may legally and effectively do so,
any objection which it may now or hereafter have to the laying of venue of any suit, action or proceeding arising out of or relating
to this Agreement or the other Credit Documents in any New York state or federal court. Each of the parties hereto hereby irrevocably
waives, to the fullest extent permitted by law, the defense of an inconvenient forum to the maintenance of such action or proceeding
in any such court.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each party to this Agreement irrevocably consents to service of process in the manner provided for notices in <U>Section&nbsp;9.01</U>.
Nothing in this Agreement will affect the right of any party to this Agreement to serve process in any other manner permitted by
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.16<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Confidentiality</I>. Each of the Administrative Agent, the Collateral Agent and the Lenders agrees to maintain the confidentiality
of the Information (as defined below), except that Information may be disclosed (a) to its and its Affiliates&rsquo; officers,
directors, employees and agents, including accountants, legal counsel and other advisors, and to numbering, administration and
settlement service providers (it being understood that the Persons to whom such disclosure is made will be informed of the confidential
nature of such Information and instructed to keep such Information confidential), (b) to the extent requested by any regulatory
authority or quasi-regulatory authority (such as the National Association of Insurance Commissioners), (c) to the extent required
by applicable laws or regulations or by any subpoena or similar legal process, (d) in connection with the exercise of any remedies
hereunder or under the other Credit Documents or any suit, action or proceeding relating to the enforcement of its rights hereunder
or thereunder, (e) subject to an agreement containing provisions substantially the same as those of this <U>Section&nbsp;9.16</U>
to (i) any actual or prospective assignee of or participant (other than a Disqualified Lender) in any of its rights or obligations
under this Agreement and the other Credit Documents (it being agreed that any such actual or prospective assignee or participant
shall be deemed to have entered into such an agreement if such assignee or participant &ldquo;clicks through&rdquo; or takes other
affirmative action to electronically acknowledge its agreement to any electronic notification containing provisions substantially
the same as those in this <U>Section&nbsp;9.16</U> in accordance with the standard syndication processes of the Person disclosing
such Information or customary market standards for dissemination of such type of information) or (ii) any actual or prospective
counterparty (or its advisors) to any swap or derivative transaction relating to the Borrower or any Subsidiary or any of their
respective obligations, (f) with the consent of the Borrower, (g) to the extent such Information becomes publicly available other
than as a result of a breach of this <U>Section&nbsp;9.16</U> or (h) to the Administrative Agent or any other Lender; <I>provided</I>
that no disclosure shall be made to any Disqualified Lender. For the purposes of this Section, &ldquo;<B>Information</B>&rdquo;
shall mean all information received from or on behalf of the Credit Parties or related to the Credit Parties, their Subsidiaries
and their respective businesses, other than any such information that was available to the Administrative Agent, the Collateral
Agent or any Lender on a nonconfidential basis prior to its disclosure by the Borrower; <I>provided </I>that, in the case of Information
received from the Borrower after the Closing Date, such information is clearly identified at the time of delivery as confidential.
Any Person required to maintain the confidentiality of Information as provided in this <U>Section&nbsp;9.16</U> shall be considered
to have complied with its obligation to do so if such Person has exercised the same degree of care to maintain the confidentiality
of such Information as such Person would accord its own confidential information.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.17<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Lender Action</I>. Each Lender agrees that it shall not take or institute any actions or proceedings, judicial or otherwise,
for any right or remedy against any Credit Party or any other obligor under any of the Credit Documents (including the exercise
of any right of setoff, rights on account of any banker&rsquo;s lien or similar claim or other rights of self-help), or institute
any actions or proceedings, or otherwise commence any remedial procedures, with respect to any Collateral or any other property
of any such Credit Party, unless expressly provided for herein or in any other Credit Document, without the prior written consent
of the Administrative Agent. The provisions of this <U>Section&nbsp;9.17</U> are for the sole benefit of the Lenders and shall
not afford any right to, or constitute a defense available to, any Credit Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.18<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>USA PATRIOT Act Notice</I>. Each Lender and the Administrative Agent (for itself and not on behalf of any Lender) hereby
notifies the Borrower that pursuant to the requirements of the USA PATRIOT Act, it is required to obtain, verify and record information
that identifies the Borrower, which information includes the name and address of the Borrower and other information that will allow
such Lender or the Administrative Agent, as applicable, to identify the Borrower in accordance with the USA PATRIOT Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.19<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Acknowledgement and Consent to Bail-In of Affected Financial Institutions</I>. Notwithstanding anything to the contrary
in any Credit Document or in any other agreement, arrangement or understanding among any such parties, each party hereto acknowledges
that any liability of any Affected Financial Institution arising under any Credit Document, to the extent such liability is unsecured,
may be subject to the Write-Down and Conversion Powers of the applicable Resolution Authority and agrees and consents to, and acknowledges
and agrees to be bound by:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the application of any Write-Down and Conversion Powers by an applicable Resolution Authority to any such liabilities arising
hereunder which may be payable to it by any party hereto that is an Affected Financial Institution; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the effects of any Bail-In Action on any such liability, including, if applicable:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>a reduction in full or in part or cancellation of any such liability;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>a conversion of all, or a portion of, such liability into shares or other instruments of ownership in such Affected Financial
Institution, its parent undertaking, or a bridge institution that may be issued to it or otherwise conferred on it, and that such
shares or other instruments of ownership will be accepted by it in lieu of any rights with respect to any such liability under
this Agreement or any other Credit Document; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the variation of the terms of such liability in connection with the exercise of the Write-Down and Conversion Powers of
the applicable Resolution Authority.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.20<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>WAIVER</I>. THE BORROWER HEREBY EXPRESSLY WAIVES THE PROVISIONS OF ANY PRESENT OR FUTURE STATUTE OR LAW THAT PROHIBITS
OR MAY PROHIBIT THE COLLECTION OF THE SPECIAL REDEMPTION PREMIUM IN <U>SECTION 2.05(B)</U> AND/OR THE MAKE WHOLE PREMIUM IN <U>SECTION
2.10(A)</U> OR <U>SECTION 2.11(D)</U>.&nbsp; THE BORROWER HEREBY EXPRESSLY AGREES THAT (I) THE SPECIAL REDEMPTION PREMIUM AND THE
MAKE WHOLE PREMIUM ARE REASONABLE AND ARE THE PRODUCT OF AN ARM&rsquo;S LENGTH TRANSACTION BETWEEN SOPHISTICATED BUSINESS PEOPLE,
ABLY REPRESENTED BY COUNSEL, (II) THE SPECIAL REDEMPTION PREMIUM AND THE MAKE WHOLE PREMIUM SHALL BE PAYABLE NOTWITHSTANDING THE
THEN PREVAILING MARKET RATES AT THE TIME PAYMENT IS MADE, (III)&nbsp;THERE HAS BEEN A COURSE OF CONDUCT BETWEEN THE LENDERS AND
THE BORROWER GIVING SPECIFIC CONSIDERATION IN THIS TRANSACTION FOR SUCH AGREEMENT TO PAY THE SPECIAL REDEMPTION PREMIUM AND THE
MAKE WHOLE PREMIUM, (IV)&nbsp;THE BORROWER SHALL BE ESTOPPED HEREAFTER FROM CLAIMING DIFFERENTLY THAN AS AGREED TO IN THIS <U>SECTION
9.20</U>, (V) ITS AGREEMENT TO PAY THE SPECIAL REDEMPTION PREMIUM AND THE MAKE WHOLE PREMIUM IS A MATERIAL INDUCEMENT TO THE LENDERS
TO MAKE THE LOANS, AND (VI) THE SPECIAL REDEMPTION PREMIUM AND THE MAKE WHOLE PREMIUM REPRESENT A GOOD FAITH, REASONABLE ESTIMATE
AND CALCULATION OF THE LOST PROFITS OR DAMAGES OF THE LENDERS AND THAT IT WOULD BE IMPRACTICAL AND EXTREMELY DIFFICULT TO ASCERTAIN
THE ACTUAL AMOUNT OF DAMAGES TO ANY LENDER OR PROFITS LOST BY SUCH LENDER AS A RESULT OF ANY EVENT GIVING RISE TO THE SPECIAL REDEMPTION
PREMIUM OR THE MAKE WHOLE PREMIUM.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.21<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><I>Specific Performance</I>. The parties hereto agree that irreparable damage for which monetary relief, even if available,
would not be an adequate remedy, would occur in the event that the parties hereto do not perform the provisions of this Agreement
in accordance with its specified terms or otherwise breach such provisions.&nbsp; Accordingly the parties acknowledge and agree
that the parties shall be entitled to an injunction or injunctions, specific performance or other equitable relief to prevent breaches
of this Agreement and to enforce specifically the terms and provisions hereof in the courts without proof of damages or otherwise,
this being in addition to any other remedy to which they are entitled under this Agreement and&nbsp;this right of specific enforcement
is an integral part of the Transactions and without that right, the parties would not have entered into this Agreement.&nbsp; The
parties agree not to assert that a remedy of specific enforcement is unenforceable, invalid, contrary to law or inequitable for
any reason, and agree not to assert that a remedy of monetary damages would provide an adequate remedy or that the parties otherwise
have an adequate remedy at law.&nbsp; The parties acknowledge and agree that any party shall not be required to provide any bond
or other security in connection with its pursuit of an injunction or injunctions to prevent breaches of this Agreement and to enforce
specifically the terms and provisions hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Remainder of Page Intentionally Left
Blank; Signature Pages to Follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF,
the parties hereto have caused this Agreement to be duly executed by their respective authorized signatories as of the day and
year first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">MFRESIDENTIAL ASSET HOLDING
    CORP.,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">as the Borrower</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%"> <FONT STYLE="font-size: 10pt">/s/ Harold E. Schwartz</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Harold E. Schwartz</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Vice President and Secretary</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">MFA FINANCIAL, INC.,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">as Parent</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">By: </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">/s/ Harold E. Schwartz</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name: </FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Harold E. Schwartz</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title: </FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Senior Vice President, General Counsel <FONT STYLE="font-size: 10pt">and Secretary</FONT></FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in; text-indent: 3.75in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">WILMINGTON TRUST, NATIONAL
    ASSOCIATION,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">as the Administrative Agent
    and the Collateral Agent</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By: </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%"><FONT STYLE="font-size: 10pt">/s/ Annmarie Warren</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"> <FONT STYLE="font-size: 10pt">Annmarie Warren</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title: </FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Banking Officer</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">OMAHA DEBT AGGREGATOR, L.P.,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">as a Lender</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">By: AP Omaha Advisors, LLC,
    its general partner</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">By: Apollo Hybrid Value Advisors,
    L.P., its sole member</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">By: Apollo Hybrid Value
    Capital Management, LLC, its general partner</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%"><FONT STYLE="font-size: 10pt">/s/
    Joseph D. Glatt</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Joseph D. Glatt</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Vice President</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase"><FONT STYLE="font-size: 10pt">Athene
    USA Corporation,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">as a Lender</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">By: Apollo Insurance Solutions
    Group LP,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">its investment adviser</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">By: Apollo Capital Management,
    L.P.,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">its sub-adviser</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">By: Apollo Capital Management
    GP, LLC,</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">its General Partner</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%"> <FONT STYLE="font-size: 10pt">/s/ Joseph D. Glatt</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Name: </FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Joseph D. Glatt</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Title: </FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Vice President</FONT></TD></TR>
</TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

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<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>3
<FILENAME>tm2023506d1_ex10-2.htm
<DESCRIPTION>EXHIBIT 10.2
<TEXT>
<HTML>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: right"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 10.2</B><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: right"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: right"><I>EXECUTION VERSION</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">INVESTMENT AGREEMENT</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">by and among</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">MFA FINANCIAL, INC.,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">OMAHA EQUITY AGGREGATOR, L.P.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">ATHENE USA CORPORATION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Dated as of June 15, 2020</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">TABLE OF CONTENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="text-align: center; padding-top: 6pt; padding-bottom: 6pt; padding-left: 0in">Article&nbsp;I <BR>
Definitions</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 90%; text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;1.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Definitions</TD>
    <TD STYLE="width: 10%; text-align: right; padding-top: 0in; padding-bottom: 6pt">1</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="text-align: center; padding-top: 6pt; padding-bottom: 6pt; padding-left: 0in">Article&nbsp;II <BR>
Purchase and Sale</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;2.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Issuance and Acquisition at the Closing</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">8</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;2.02&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Secondary Purchase Commitment</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">8</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;2.03&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Closing</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">8</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;2.04&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Conditions to Obligations of the Purchasers</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">8</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;2.05&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Conditions to Obligations of the Company</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">9</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="text-align: center; padding-top: 6pt; padding-bottom: 6pt; padding-left: 0in">Article&nbsp;III <BR>
Representations and Warranties of the Company</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;3.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Organization&#894; Standing</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">9</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;3.02&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Capitalization</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">10</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;3.03&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Authority&#894; Non-contravention</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">11</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;3.04&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Governmental Approvals</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">12</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;3.05&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Company SEC Documents&#894; Undisclosed Liabilities</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">12</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;3.06&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Sale of Securities</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">13</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;3.07&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Listing and Maintenance Requirements</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">14</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;3.08&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Brokers and Other Advisors</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">14</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;3.09&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Status of Securities</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">14</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;3.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Takeover Statutes</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">14</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;3.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Representations and Warranties in the New Credit Agreement</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">14</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;3.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shell Issuer</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">14</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;3.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax Matters</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">14</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;3.14&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No Other Representations and Warranties</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">15</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="text-align: center; padding-top: 6pt; padding-bottom: 6pt; padding-left: 0in">Article&nbsp;IV<BR>
 Representations and Warranties of the Purchasers</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;4.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Organization&#894; Standing</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">16</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;4.02&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Authority&#894; Noncontravention</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">16</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;4.03&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Governmental Approvals</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">17</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;4.04&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchase for Investment</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">17</TD></TR>
</TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in; width: 90%">Section&nbsp;4.05&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Available Funds</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt; width: 10%">17</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;4.06&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Brokers and Other Advisors</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">18</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;4.07&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-Reliance on Company Estimates, Projections, Forecasts, Forward-Looking Statements and Business
Plans</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">18</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;4.08&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No Other Representations and Warranties</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">18</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="text-align: center; padding-top: 6pt; padding-bottom: 6pt; padding-left: 0in">Article&nbsp;V <BR>
Additional Agreements</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;5.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Filings</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">18</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;5.02&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Corporate Actions</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">19</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;5.03&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;New York Stock Exchange Listing of Shares</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">19</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;5.04&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Legend</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">19</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;5.05&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Standstill</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">20</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;5.06&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Director and Observer Rights</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">22</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;5.07&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Conduct of Business Prior to Closing</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">25</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;5.08&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Withholding</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">25</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;5.09&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax Matters</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">26</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;5.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section 16b-3</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">27</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;5.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Waiver of Corporate Opportunity</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">27</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;5.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Further Assurances</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">28</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;5.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Exclusivity</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">28</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;5.14&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Public Disclosure</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">28</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;5.15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Blow- Out; Blackout Period</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">29</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;5.16&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ownership Limit Waiver and Registration Rights Agreement</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">29</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;5.17&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amendment to Bylaws.</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">29</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="text-align: center; padding-top: 6pt; padding-bottom: 6pt; padding-left: 0in">Article&nbsp;VI <BR>
Survival and Termination</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;6.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Termination</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">29</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;6.02&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Effects of Termination</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">30</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;6.03&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Survival and Limitation on Liability</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">30</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD COLSPAN="2" STYLE="text-align: center; padding-top: 6pt; padding-bottom: 6pt; padding-left: 0in">Article&nbsp;<BR>
VII Miscellaneous</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;7.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amendments; Waivers</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">31</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;7.02&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Extension of Time, Waiver, Etc</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">31</TD></TR>
</TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in; width: 90%">Section&nbsp;7.03&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assignment</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt; width: 10%">31</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;7.04&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Counterparts</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">31</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;7.05&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Entire Agreement; No Third-Party Beneficiaries; No Recourse</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">32</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;7.06&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Governing Law; Jurisdiction</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">32</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;7.07&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Specific Enforcement</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">33</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;7.08&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;WAIVER OF JURY TRIAL</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">33</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;7.09&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notices</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">33</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;7.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Severability</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">35</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;7.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Expenses</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">35</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1in; padding-top: 0in; padding-bottom: 6pt; padding-left: 1in">Section&nbsp;7.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interpretation</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">36</TD></TR>
</TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">This Investment Agreement
(this &ldquo;<U>Agreement</U>&rdquo;) is dated as of June 15, 2020 (the &ldquo;<U>Effective Date</U>&rdquo;) by and among MFA Financial,
Inc., a Maryland corporation (the &ldquo;<U>Company</U>&rdquo;), Omaha Equity Aggregator, L.P., a Delaware limited partnership
(the &ldquo;<U>Apollo Purchaser</U>&rdquo;) and Athene USA Corporation, an Iowa corporation (the &ldquo;<U>Athene Purchaser</U>,&rdquo;
together with the Apollo Purchaser, the &ldquo;<U>Purchasers</U>&rdquo; and each a &ldquo;<U>Purchaser</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, pursuant to
the terms and conditions set forth in this Agreement, the Company desires to issue and deliver to the Purchasers, and the Purchasers
desire to acquire from the Company, four tranches of warrants (&ldquo;<U>Tranche I Apollo Warrant</U>&rdquo;, &ldquo;<U>Tranche
II Apollo Warrant</U>&rdquo;, &ldquo;<U>Tranche I Athene Warrant</U>&rdquo; and &ldquo;<U>Tranche II Athene Warrant</U>,&rdquo;
and collectively, the &ldquo;<U>Warrants</U>&rdquo; and the shares of Common Stock underlying the Warrants, the &ldquo;<U>Warrant
Shares</U>&rdquo;) to purchase, in the aggregate, 37,039,106 shares (subject to adjustment in accordance with their terms) of the
Company&rsquo;s common stock, par value $0.01 per share (the &ldquo;<U>Common Stock</U>&rdquo;), in the forms attached hereto as
<U>Annex A-1</U> (Tranche I Apollo Warrant), <U>Annex A-2</U> (Tranche II Apollo Warrant), <U>Annex A-3</U> (Tranche I Athene Warrant)
and <U>Annex A-4</U> (Tranche II Athene Warrant);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, simultaneously
with the execution and delivery of this Agreement, the Company entered into that certain Credit Agreement dated as of June 15,
2020 (the &ldquo;<U>New Credit Agreement&rdquo;)</U> by and between the Company, MFResidential Assets Holding Corp. and the Lenders
(each as defined in the New Credit Agreement) pursuant to which the Lenders agreed to provide loans having an initial stated principal
amount equal to $500,000,000 (the &ldquo;<U>New Term Loan</U>&rdquo;); and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, the Company
desires that the Purchasers purchase and acquire, and the Purchasers desire to purchase and acquire, outstanding shares of the
Common Stock as set forth in this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">NOW, THEREFORE, in
consideration of the mutual covenants, representations, warranties and agreements contained in this Agreement, the receipt and
sufficiency of which are hereby acknowledged, the parties to this Agreement hereby agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article&nbsp;I</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase"></FONT><U>Definitions</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;1.01<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Definitions</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>As used in this Agreement (including the recitals hereto), the following terms shall have the following meanings:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Affiliate</U>&rdquo;
means, as to any Person, any other Person that, directly or indirectly, controls, or is controlled by, or is under common control
with, such Person<FONT STYLE="font-family: Times New Roman, Times, Serif">; </FONT><U>provided</U>, <U>however</U>, that except
for purposes of <U>Section&nbsp;3.10</U> and <U>Section&nbsp;5.11</U>, portfolio companies of any Purchaser Party or any Affiliate
thereof shall not be deemed to be Affiliates of any Purchaser Party. For this purpose, &ldquo;<U>control</U>&rdquo; (including,
with its correlative meanings, &ldquo;<U>controlled by</U>&rdquo; and &ldquo;<U>under common control with</U>&rdquo;) shall mean
the possession, directly or indirectly, of the power to direct or cause the direction of management or policies of a Person, whether
through the ownership of securities or partnership or other ownership interests, by contract or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Apollo Purchaser
Designee</U>&rdquo; means an individual designated in writing by the Apollo Purchaser for (i) election to the Board or (ii) appointment
as a non-voting observer, as the case may be, pursuant to <U>Section 5.06</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Apollo Purchaser
Director</U>&rdquo; means a member of the Board who was elected to the Board as an Apollo Purchaser Designee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Board</U>&rdquo;
means the board of directors of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Business
Day</U>&rdquo; means any day except a Saturday, a Sunday or other day on which the SEC or banks in the City of New York are authorized
or required by Law to be closed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Code</U>&rdquo;
means the United States Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Common Stock</U>&rdquo;
means the common stock, par value $0.01 per share, of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Company Charter
Documents</U>&rdquo; means the Company&rsquo;s charter and bylaws, each as amended to the date of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Competitor</U>&rdquo;
means, as of the applicable time, any U.S. residential mortgage REIT with shares traded on a national securities exchange (other
than the Company or any successor entity thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Convertible
Senior Notes</U>&rdquo; shall mean the Company&rsquo;s 6.25% Convertible Senior Notes due 2024 issued pursuant to a base indenture
as supplemented by the first supplemental indenture thereto, each dated as of June 3, 2019, between the Company and Wilmington
Trust, National Association, as trustee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>COVID-19</U>&rdquo;
means SARS-CoV-2 or COVID-19, and any evolutions thereof or related or associated epidemics, pandemic or disease outbreaks.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Equity Plan</U>&rdquo;
means the Company&rsquo;s Equity Compensation Plan, which was adopted by the Company&rsquo;s stockholders of May 21, 2015, as amended
(or any successor plan thereto).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Exchange
Act</U>&rdquo; means the Securities Exchange Act of 1934, as amended, and the rules and regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Fall-Away
of Apollo Purchaser Board Rights</U>&rdquo; means the later of (i) the first day on which the Purchaser and its Affiliates no longer
own, in the aggregate, 2.5% of the then-outstanding shares of Common Stock and (ii) the first day on which the New Term Loan is
no longer outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Filed SEC
Documents</U>&rdquo; means any report, schedule, form, statement or other document (including exhibits) filed by the Company with,
or publicly furnished by the Company to, the SEC and publicly available after January 1, 2020 and prior to the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Fraud</U>&rdquo;
means common law fraud under the laws of the State of New York; <U>provided</U>, however, that the term &ldquo;Fraud&rdquo; does
not include the doctrine of constructive or equitable fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>GAAP</U>&rdquo;
means generally accepted accounting principles in the United States, consistently applied.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Governmental
Authority</U>&rdquo; means any government, court, regulatory or administrative agency, commission, arbitrator or authority or other
legislative, executive or judicial governmental entity (in each case including any self-regulatory organization), whether federal,
state or local, domestic, foreign or multinational.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>HSR Act</U>&rdquo;
means the Hart-Scott-Rodino Antitrust Improvements Act of 1976, as amended, and the rules and regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>IRS</U>&rdquo;
means the United States Internal Revenue Service.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Judgment</U>&rdquo;
means any order, judgment, injunction, ruling, writ or decree of any Governmental Authority.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Knowledge</U>&rdquo;
means, with respect to the Company, the actual knowledge of the individuals listed on Section&nbsp;1.01(ii) of the Company Disclosure
Letter after due inquiry of their direct reports.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Law</U>&rdquo;
means all state or federal laws, common law, statutes, ordinances, codes, rules or regulations or other similar requirement enacted,
adopted, promulgated, or applied by any Governmental Authority.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Lookback
Date</U>&rdquo; means January 1, 2017.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Liens</U>&rdquo;
means any mortgage, pledge, lien (statutory or other), charge, encumbrance, hypothecation, assignment, security interest or similar
restriction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Material
Adverse Effect</U>&rdquo; means any effect, change, event or occurrence that has or would reasonably be expected to (i) have, individually
or in the aggregate, a material adverse effect on the business, results of operations or financial condition of the Company and
its Subsidiaries, taken as a whole, (ii) prevent or materially delay, interfere with, hinder or impair the consummation by the
Company of any of the Transactions on a timely basis or (iii) reasonably be expected to prevent or materially delay, interfere
with, hinder or impair the compliance by the Company with its obligations under this Agreement<FONT STYLE="font-family: Times New Roman, Times, Serif">;
</FONT><U>provided</U>, that none of the following shall constitute or be taken into account in determining whether a Material
Adverse Effect has occurred or would reasonably be expected to occur under clause (i) above: (1) any effect, change, event or occurrence
(x)&nbsp;generally affecting the industries in which the Company and its Subsidiaries operate or the economy, or credit, financial
or capital markets, in the United States or elsewhere in the world, including changes in interest or exchange rates, or (y)&nbsp;to
the extent arising out of, resulting from or related to changes in Law or in GAAP or in accounting standards, or any changes or
prospective changes in the interpretation or enforcement of any of the foregoing, in each case after the date hereof, (2)&nbsp;the
negotiation, execution or announcement of the Transaction Documents or the consummation of the transactions contemplated therein
(including the Transactions), (3)&nbsp;acts of war (whether or not declared), sabotage or terrorism, or any escalation or worsening
of any such acts of war (whether or not declared), sabotage or terrorism, (4)&nbsp;volcanoes, tsunamis, pandemics (including COVID-19),
earthquakes, hurricanes, tornados or other natural disasters, (5)&nbsp;any change resulting or arising from the identity of, or
any facts or circumstances solely relating to, the Purchasers or any of their respective Affiliates, (6)&nbsp;any change or prospective
change in the Company&rsquo;s credit ratings, (7)&nbsp;any decline in the market price, or change in trading volume, of the capital
stock of the Company or (8)&nbsp;any failure to meet any internal, external or public projections, forecasts, guidance, estimates,
milestones, budgets or internal, external or published financial or operating predictions of revenue, earnings, cash flow or cash
position (it being understood that the exceptions in clauses&nbsp;(6), (7) and (8) shall not prevent or otherwise affect a determination
that the underlying cause of any such change, decline or failure referred to therein (if not otherwise falling within any of the
exceptions provided by clause&nbsp;(x) and clauses&nbsp;(y)(1) through (8) hereof) is a Material Adverse Effect)&#894; <U>provided
further</U>, <U>however</U>, that any effect, change, event or occurrence referred to in clause&nbsp;(x), (y)(1) (except to the
extent such effect is covered under clause (y)(3)) or (y)(4)&nbsp;may be taken into account in determining whether there has been,
or would reasonably be expected to be, individually or in the aggregate, a Material Adverse Effect to the extent such effect, change,
event or occurrence has a disproportionate adverse effect on the business, results of operations or financial condition of the
Company and its Subsidiaries, taken as a whole, as compared to other similarly situated participants in the industries in which
the Company and its Subsidiaries operate (in which case only the incremental disproportionate impact or impacts may be taken into
account in determining whether there has been, or would reasonably be expected to be, a Material Adverse Effect).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>MGCL</U>&rdquo;
means the Maryland General Corporation Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Ownership
Limit Waiver</U>&rdquo; means that certain letter agreement from the Company to the Purchasers, in the form attached hereto as
<U>Annex B</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Permitted
Repo Facilities</U>&rdquo; means the Company&rsquo;s existing repurchase financing facilities and new non-recourse repurchase facilities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Person</U>&rdquo;
means an individual, corporation, limited liability company, partnership, joint venture, association, trust, unincorporated organization
or any other entity, including a Governmental Authority.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Purchasers
Material Adverse Effect</U>&rdquo; means any effect, change, event or occurrence that would reasonably be expected to prevent or
materially delay, interfere with, hinder or impair (i)&nbsp;the consummation by the Purchasers of any of the Transactions on a
timely basis or (ii)&nbsp;the compliance by the Purchasers with their obligations under this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Purchaser
Parties</U>&rdquo; means the Purchasers and each respective Affiliate to whom either Purchaser transfers Securities or Common Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Qualified
REIT Subsidiary</U>&rdquo; shall mean a wholly-owned subsidiary that is not treated as a separate corporation, in accordance with
Code Section 856(i)(2), or any successor provision.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Registration
Rights Agreement</U>&rdquo; means that certain Registration Rights Agreement to be entered into by the Company and the Purchasers,
in substantially the form attached hereto as <U>Annex C</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Representatives</U>&rdquo;
means, with respect to any Person, its officers, directors, principals, partners, managers, members, employees, consultants, agents,
financial advisors, investment bankers, attorneys, accountants, other advisors and other representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>REIT</U>&rdquo;
shall mean a real estate investment trust within the meaning of and under the provisions of Sections 856 et seq. of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>SEC</U>&rdquo;
means the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Secondary
Purchase Commitment Deadline</U>&rdquo; means the first anniversary of the date of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Secondary
Purchase Commitment Extension</U>&rdquo; means a period commencing on the Secondary Purchase Commitment Deadline and ending on
the date that is 30 days following the number of trading weeks that the Trading Window is open following the Secondary Purchase
Commitment Deadline equal to (i) fifteen trading weeks, minus (ii) the number of trading weeks the Trading Window was open between
the date of this Agreement and the Secondary Purchase Commitment Deadline.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Secondary
Purchase Reduction Amount</U>&rdquo; means the percentage obtained by (i) dividing the amount of the New Term Loan that has been
prepaid by $500 million (excluding, for the avoidance of doubt, any amortization payments of the New Term Loan), multiplied by
(ii) 100.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Securities</U>&rdquo;
means the Warrants and the New Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Securities
Act</U>&rdquo; means the Securities Act of 1933, as amended, and the rules and regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Standstill
Period</U>&rdquo; means the period beginning on the date of this Agreement and ending on the later of (i) the second (2nd) anniversary
of the Closing Date and (ii) three (3) months following the date on which the Apollo Purchaser Designee is no longer serving on
the Board or as an observer on the Board (and as of such time the Apollo Purchaser no longer has rights to designate an Apollo
Purchaser Designee or otherwise has irrevocably waived in a writing delivered to the Company its rights under this Agreement to
nominate an Apollo Purchaser Designee).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Subsidiary</U>,&rdquo;
when used with respect to any Person, means any corporation, limited liability company, partnership, association, trust or other
entity of which (i)&nbsp;securities or other ownership interests representing 50% or more of the ordinary voting power (or, in
the case of a partnership, 50% or more of the general partnership interests) or (ii)&nbsp;sufficient voting rights to elect at
least a majority of the board of directors or other governing body are, as of such date, owned by such Person or one or more Subsidiaries
of such Person or by such Person and one or more Subsidiaries of such Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Tax</U>&rdquo;
means any federal, state, local or foreign tax, fee, levy, duty, tariff, impost, and other similar charge imposed by any Governmental
Authority, including any tax or other similar charge on or with respect to income, franchise, windfall or other profits, gross
receipts, property, sales, use, capital stock, payroll, employment, social security, workers&rsquo; compensation, unemployment
compensation or net worth, excise, withholding or backup withholding, ad valorem, stamp, transfer or value added tax&#894; digital
services tax&#894; hotel occupancy tax&#894; business privilege tax&#894; license, registration and documentation fee&#894; and
customs duty, tariff and similar charge&#894; in each case, together with any interest, penalty or addition to tax imposed by any
Governmental Authority in respect thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Tax Return</U>&rdquo;
means any return, report, election, claims for refund, declaration of estimated Taxes and information statement, including any
schedule or attachment thereto or any amendment thereof, with respect to Taxes filed or required to be filed with any Governmental
Authority, including consolidated, combined and unitary tax returns.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Trading Window</U>&rdquo;
means the Company&rsquo;s securities trading window permitting trading of the Company&rsquo;s securities by the Company, its directors
and officers; provided, that if the Company fails to approve in writing any request for pre-clearance by a Purchaser pursuant to
the Company&rsquo;s Insider Trading Policy within 1 business day following such request, the applicable Trading Window will be
deemed not to be open until the Company approves in writing such request.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Transaction
Documents</U>&rdquo; means this Agreement, the Warrants, the Registration Rights Agreement, the New Credit Agreement, the Ownership
Limit Waiver and all other documents, certificates or agreements executed in connection with the transactions contemplated by this
Agreement, the Warrants, the Registration Rights Agreement and the New Credit Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Transactions</U>&rdquo;
means the transactions expressly contemplated by this Agreement and the other Transaction Documents, including, without limitation,
the exercise by any Purchaser Party of Warrants.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>U.S. Person</U>&rdquo;
means any Person that is a &ldquo;United States person&rdquo; as defined in Section 7701(a)(30) of the Code or any successor provision
thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>In addition to the terms defined in <U>Section&nbsp;1.01</U>, the following terms have the meanings assigned thereto in
the Sections set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left"><U>Term</U></TD>
    <TD STYLE="font-size: 10pt; white-space: nowrap; padding-right: 8pt; text-align: right"><FONT STYLE="font-size: 10pt"><U>Section</U></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; width: 90%">Allocated Purchase Price</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right; width: 10%"><FONT STYLE="font-size: 10pt">Section
    2.01</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Apollo Purchaser</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Apollo Purchaser Observer</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    5.06(a)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Athene Purchaser</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Agreement </TD>
    <TD STYLE="font-size: 10pt; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Announcement </TD>
    <TD STYLE="font-size: 10pt; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section 5.14</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Balance Sheet Date</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    3.05(c)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Bankruptcy and Equity Exception</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    3.03</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Capitalization Date</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    3.02</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Closing Date</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    2.03</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Company </TD>
    <TD STYLE="font-size: 10pt; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Company Disclosure Letter</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Article
    III</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Company SEC Documents</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    3.05(a)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Company Securities</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    3.02(b)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Company&rsquo;s Proposed Valuation</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    5.09(a)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Competing Transaction</TD>
    <TD STYLE="font-size: 10pt; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section 5.13</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Competition Laws</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    3.03(b)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Contract </TD>
    <TD STYLE="font-size: 10pt; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section 3.03(b)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap">Designee Period</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    5.06(a)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Dilutive Event</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    5.05(a)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Director Indemnitors</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    5.06(f)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Effective Date</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Excess Stock</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    3.02</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Expenses </TD>
    <TD STYLE="font-size: 10pt; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section 7.13</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Final Warrant Valuation</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    5.09(a)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Fundamental Representations</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    6.03</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Maryland Business Combination Act</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    3.10</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Maryland Control Share Acquisition Act</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    3.10</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">New Credit Agreement</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Recitals</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap">New Shares</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    2.02</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">New Term Loan</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Recitals</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Non-Recourse Party</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    7.05(b)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Purchasers </TD>
    <TD STYLE="font-size: 10pt; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Purchasers&rsquo; Proposed Valuation</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    5.09(a)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Secondary Purchase Commitment Amount</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    2.02</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Series A Preferred Stock</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    3.02</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Series B Preferred Stock</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    3.02</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Series C Preferred Stock</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    3.02</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Tranche </TD>
    <TD STYLE="font-size: 10pt; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section 2.01</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Tranche I Apollo Warrant</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Recitals</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Tranche II Apollo Warrant</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Recitals</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Tranche I Athene Warrant</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Recitals</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Tranche II Athene Warrant</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Recitals</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Undesignated Preferred Stock</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Section
    3.02</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap">Warrant Shares</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">Recitals</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; white-space: nowrap; text-align: left">Warrants Recitals</TD>
    <TD STYLE="font-size: 10pt; white-space: nowrap; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"></P>

<!-- Field: Page; Sequence: 11; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></FONT></P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article&nbsp;II</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase"></FONT><U>Purchase
and Sale</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;2.01<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Issuance and Acquisition at the Closing</U>. At the Closing, the Purchasers shall receive from the Company in exchange
for a portion of the amounts advanced pursuant to <U>Section 2.01</U> of the New Credit Agreement (and for the avoidance of doubt,
no additional consideration), with the amount and allocation of such portion for each of the Apollo Tranche I Warrant, the Apollo
Tranche II Warrant, the Athene Tranche I Warrant and the Athene Tranche II Warrant (each a &ldquo;<U>Tranche</U>&rdquo; and collectively,
the &ldquo;<U>Tranches</U>&rdquo;) to be determined following the date hereof pursuant to <U>Section 5.09(a)</U> (the &ldquo;<U>Allocated
Purchase Price</U>&rdquo;), and the Company shall issue and deliver to the Purchasers the Warrants free and clear of any Liens.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;2.02<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Secondary Purchase Commitment</U>. On the terms and conditions of this Agreement, the Purchasers or one or more of their
respective Affiliates shall purchase in open market or privately negotiated transactions (and not from the Company), prior to the
first anniversary of the date of this Agreement (the &ldquo;<U>Secondary Purchase Commitment Deadline</U>&rdquo;), in one or a
series of transactions, a number of shares of Common Stock (the &ldquo;<U>New Shares</U>&rdquo;) equal to the lesser of (a) such
number of shares representing 4.9% of the outstanding Common Stock as of the date hereof or (b) such number of shares of Common
Stock as the Purchasers acquire, in the aggregate, using $50 million (such lesser amount, the &ldquo;<U>Secondary Purchase Commitment
Amount</U>&rdquo;); <U>provided</U>, <U>that</U>, if the Company prepays the New Term Loan prior to the Purchasers purchasing,
in the aggregate, a number of New Shares equal to the Secondary Purchase Commitment Amount, the amount set forth in clause (b)
shall be reduced by the Secondary Purchase Reduction Amount.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;2.03<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Closing</U>. On the terms and subject to the conditions set forth in this Agreement, the issuance of the Warrants shall
occur simultaneously with and at the same location as the closing of the transactions contemplated by the New Credit Agreement
(the &ldquo;<U>Closing</U>&rdquo; and the date of Closing, the &ldquo;<U>Closing Date</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;2.04<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Conditions to Obligations of the Purchasers</U>. The Purchasers&rsquo; obligations at the Closing are subject to fulfillment,
on or prior to the Closing Date, of all of the following conditions, any of which may be waived in whole or in part by the Purchasers:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><I>Representations and Warranties of the Company</I></B>. (i) The representations and warranties set forth in <U>Section
3.01(a)</U> and <U>Section 3.03(a)</U> shall be true and correct in all respects as of the Closing Date as though made on and as
of the Closing Date (other than any such representation or warranty that expressly relates to a specific date, which representation
and warranty shall be so true and correct on the date so specified) and (ii) all other representations and warranties of the Company
shall be true and correct in all material respects as of the Closing Date as though made on and as of the Closing Date (other than
any such representation or warranty that expressly relates to a specific date, which representation and warranty shall be so true
and correct on the date so specified).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><I>Performance of Obligations of the Company</I></B>. The Company shall have performed or complied in all material respects
with all obligations and covenants required by this Agreement to be performed or complied with by such Persons prior to or at the
time of the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><I>New Credit Agreement</I></B>. The conditions to the Lenders&rsquo; obligations set forth in Section 4.01 and Section
4.02 of the New Credit Agreement shall have been satisfied (or waived according to the terms thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><B><I>Ownership
Limit Waiver and Registration Rights Agreement</I></B>. The Company shall have delivered to the Purchasers the Ownership Limit
Waiver and Registration Rights Agreement, duly executed by the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;2.05<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Conditions to Obligations of the Company</U>. The Company&rsquo;s obligations at the Closing are subject to fulfillment,
on or prior to the Closing Date, of all of the following conditions, any of which may be waived in whole or in part by the Company:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><I>Representations and Warranties of the Purchaser</I></B>. (i) The Fundamental Representations of each Purchaser shall
be true and correct in all respects as of the Closing Date as though made on and as of the Closing Date (other than any such representation
or warranty that expressly relates to a specific date, which representation and warranty shall be so true and correct on the date
so specified) and (ii) all other representations and warranties of each Purchaser shall be true and correct in all material respects
as of the Closing Date as though made on and as of the Closing Date (other than any such representation or warranty that expressly
relates to a specific date, which representation and warranty shall be so true and correct on the date so specified).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><I>Performance of Obligations of the Purchasers</I></B>. The Purchasers shall have performed or complied in all material
respects with all obligations and covenants required by this Agreement to be performed or complied with by such Persons prior to
or at the time of the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><I>New Credit Agreement</I></B>. The Lenders shall have funded the New Term Loan pursuant to Section 2.01 of the New
Credit Agreement concurrently with the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article&nbsp;III</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase"></FONT><U>Representations
and Warranties of the Company</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as set forth
in the confidential disclosure letter delivered by the Company to the Purchasers prior to the execution of this Agreement (the
 &ldquo;<U>Company Disclosure Letter</U>&rdquo;), the Company represents and warrants to the Purchasers as of the date hereof and
as of the Closing Date as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;3.01<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Organization&#894; Standing</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company is a corporation duly organized and validly existing under the Laws of the State of Maryland, is in good standing
with the Department of Assessments and Taxation for the State of Maryland and has all requisite corporate power and corporate authority
necessary to carry on its business as it is now being conducted. The Company is duly licensed or qualified to do business and is
in good standing (where such concept is recognized under applicable Law) in each jurisdiction in which the nature of the business
conducted by it or the character or location of the properties and assets owned or leased by it makes such licensing or qualification
necessary, except where the failure to be so licensed, qualified or in good standing would not, individually or in the aggregate,
reasonably be expected to have a Material Adverse Effect. True and complete copies of the Company Charter Documents are included
in the Filed SEC Documents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each of the Company&rsquo;s Subsidiaries is duly organized, validly existing and in good standing (where such concept is
recognized under applicable Law) under the Laws of the jurisdiction of its organization, and is duly licensed or qualified to transact
business as a foreign corporation in each jurisdiction in which the conduct of its business requires such licensing or qualification,
in each case except where the failure would not, individually or in the aggregate, reasonably be expected to have a Material Adverse
Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;3.02<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The authorized capital stock of the Company consists of 1,000,000,000 shares of capital stock of the Company, (i) 874,300,000
of which are shares of Common Stock, (ii) 1,160,000 of which are 8.50% Series A Cumulative Redeemable Preferred Stock, par value
$0.01 (&ldquo;<U>Series A Preferred Stock</U>&rdquo;), (iii) 8,050,000 of which are 7.50% Series B Cumulative Redeemable Preferred
Stock, par value $0.01 (&ldquo;<U>Series B Preferred Stock</U>&rdquo;), (iv) 12,650,000 of which are 6.50% Series C Fixed-to-Floating
Rate Cumulative Redeemable Preferred Stock, par value $0.01 (&ldquo;<U>Series C Preferred Stock</U>&rdquo;), (v) 3,840,000 of which
are undesignated preferred stock, par value $0.01 (&ldquo;<U>Undesignated Preferred Stock</U>&rdquo;) and 100,000,000 of which
are excess stock (&ldquo;<U>Excess Stock</U>&rdquo;). At the close of business on May 31, 2020 (the &ldquo;<U>Capitalization Date</U>&rdquo;),
(i)&nbsp;453,242,244 shares of Common Stock were issued and outstanding, (ii)&nbsp;no shares of Series A Preferred Stock were issued
and outstanding, (iii)&nbsp;8,000,000 shares of Series B Preferred Stock were issued and outstanding, (iv)&nbsp;11,000,000 shares
of Series C Preferred Stock were issued and outstanding, (v)&nbsp;no shares of Undesignated Preferred Stock were issued and outstanding,
(vi) no shares of Excess Stock were issued and outstanding, (vii) 5,042,472 shares of Common Stock were reserved for issuance pursuant
to the Equity Plan, (viii) 8,786,453 shares of Common Stock were reserved for issuance pursuant to the Company&rsquo;s Discount
Waiver, Direct Stock Purchase and Dividend Reinvestment Plan (ix)&nbsp;3,149,758 shares of Common Stock were underlying outstanding
stock-based awards issued pursuant to the Equity Plan, (x)&nbsp;28,919,901 shares of Common Stock are reserved for issuance underlying
the Convertible Senior Notes, (xi) 42,773,675 shares of Common Stock are reserved for issuance upon conversion of the Series B
Preferred Stock and 81,612,866.50 shares of Common Stock are reserved for issuance upon conversion of the Series C Preferred Stock
and (xii) no other shares of capital stock of, or other equity interests (or any securities convertible into or exchangeable for
or any rights exercisable for any such equity securities) in, the Company were issued, reserved for issuance or outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Except as described in this <U>Section 3.02</U>, as of the Capitalization Date, there were (i)&nbsp;no outstanding shares
of capital stock of, or other equity or voting interests in, the Company, (ii)&nbsp;no outstanding securities of the Company convertible
into or exchangeable for shares of capital stock of, or other equity or voting interests in, the Company, (iii)&nbsp;no outstanding
options, warrants, rights or other commitments or agreements to acquire from the Company, or that obligate the Company to issue,
any capital stock of, or other equity or voting interests (or voting debt) in, or any securities convertible into or exchangeable
for shares of capital stock of, or other equity or voting interests in, the Company other than obligations under the Equity Plan
in the ordinary course of business, (iv)&nbsp;no obligations of the Company to grant, extend or enter into any subscription, warrant,
right, convertible or exchangeable security or other similar agreement or commitment relating to any capital stock of, or other
equity or voting interests in, the Company (the items in clauses&nbsp;(i), (ii), (iii) and (iv) being referred to collectively
as &ldquo;<U>Company Securities</U>&rdquo;) and (v)&nbsp;no other obligations by the Company or any of its Subsidiaries to make
any payments based on the price or value of any Company Securities. There are no outstanding agreements of any kind which obligate
the Company or any of its Subsidiaries to repurchase, redeem or otherwise acquire any Company Securities, or obligate the Company
to grant, extend or enter into any such agreements relating to any Company Securities, including any agreements granting any preemptive
rights, subscription rights, anti-dilutive rights, rights of first refusal or similar rights with respect to any Company Securities.
Other than this Agreement, neither the Company nor any Subsidiary of the Company is a party to any stockholders&rsquo; agreement,
voting trust agreement, registration rights agreement or other similar agreement or understanding relating to any Company Securities
or any other agreement relating to the disposition, voting or dividends with respect to any Company Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;3.03<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Authority&#894; Non-contravention</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company has all necessary corporate power and corporate authority to execute and deliver this Agreement and the other
Transaction Documents and to perform its obligations hereunder and thereunder and to consummate the Transactions. The execution,
delivery and performance by the Company of this Agreement and the other Transaction Documents, and the consummation by it of the
Transactions, have been duly authorized by the Board and no other corporate action on the part of the Company is necessary to authorize
the execution, delivery and performance by the Company of this Agreement and the other Transaction Documents and the consummation
by it of the Transactions. This Agreement and the other Transaction Documents have been duly executed and delivered by the Company
and, assuming due authorization, execution and delivery hereof and thereof by each applicable Purchaser, constitute a legal, valid
and binding obligation of the Company, enforceable against the Company in accordance with its terms, except that such enforceability
(i)&nbsp;may be limited by bankruptcy, insolvency, fraudulent transfer, reorganization, moratorium and other similar Laws of general
application affecting or relating to the enforcement of creditors&rsquo; rights generally and (ii)&nbsp;is subject to general principles
of equity, whether considered in a proceeding at law or in equity (the &ldquo;<U>Bankruptcy and Equity Exception</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Neither the execution and delivery of this Agreement or the other Transaction Documents by the Company, nor the consummation
by the Company of the Transactions, nor performance or compliance by the Company with any of the terms or provisions hereof or
thereof, will (i)&nbsp;conflict with or violate any provision of the Company Charter Documents, (ii)&nbsp;violate any Law or Judgment
applicable to the Company or any of its Subsidiaries or (iii) violate or constitute a default (or constitute an event which, with
notice or lapse of time or both, would violate or constitute a default) under any of the terms or provisions of any loan or credit
agreement, indenture, debenture, note, bond, mortgage, deed of trust, lease, sublease, license, contract or other agreement (each,
a &ldquo;<U>Contract</U>&rdquo;) to which the Company or any of its Subsidiaries is a party or, with or without notice, lapse of
time or both, accelerate or increase the Company&rsquo;s or, if applicable, any of its Subsidiaries&rsquo;, obligations under any
such Contract, result in the loss of a material benefit of the Company or its Subsidiaries under any such Contract, or give rise
to a right of termination under any such Contract, except, (x) in the case of clause&nbsp;(ii), any required filings or approvals
under the HSR Act or any foreign or other antitrust or competition laws, requirements or regulations (together with the HSR Act,
the &ldquo;<U>Competition Laws</U>&rdquo;) prior to the issuance of Warrant Shares upon the exercise of Warrants in accordance
with their terms and (y) in the case of clauses (ii) and (iii) as would not, individually or in the aggregate, reasonably be expected
to have a Material Adverse Effect; <U>provided</U>, however, that for the purposes of this <U>Section&nbsp;3.03(b)</U>, the definition
of Material Adverse Effect shall not include clause (2) in the proviso of such definition.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;3.04<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Governmental
Approvals</U>. Except for filings required under, and compliance with applicable requirements of applicable Competition Laws upon
the exercise of Warrants in accordance with their terms and compliance with any applicable state securities or blue sky laws,
no consent or approval of, or filing, license, permit or authorization, declaration or registration with, any Governmental Authority
is necessary for the execution and delivery of this Agreement and the other Transaction Documents by the Company, the performance
by the Company of its obligations hereunder and thereunder and the consummation by the Company of the Transactions, other than
such other consents, approvals, filings, licenses, permits or authorizations, declarations or registrations that, if not obtained,
made or given, would not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect; <U>provided</U>,
however, that for the purposes of this <U>Section 3.04,</U> the definition of Material Adverse Effect shall not include clause
(2) in the proviso of such definition.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;3.05<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Company SEC Documents&#894; Undisclosed Liabilities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The Company has filed with the SEC, on a timely basis, all required reports, schedules, forms, statements and other documents
required to be filed by the Company with the SEC pursuant to the Exchange Act since the Lookback Date (collectively, the &ldquo;<U>Company
SEC Documents</U>&rdquo;). As of their respective SEC filing dates, the Company SEC Documents complied as to form in all material
respects with the requirements of the Securities Act, the Exchange Act or the Sarbanes-Oxley Act of 2002 (and the regulations promulgated
thereunder), as the case may be, applicable to such Company SEC Documents, and none of the Company SEC Documents as of such respective
dates (or, if amended prior to the date hereof, the date of the filing of such amendment, with respect to the disclosures that
are amended) contained any untrue statement of a material fact or omitted to state a material fact required to be stated therein
or necessary in order to make the statements therein, in light of the circumstances under which they were made, not misleading.
As of the date hereof, no event giving rise to an obligation to file (or furnish) a report under Form 8-K with the SEC has occurred
as to which the time period for making such filing has not yet expired and as to which the applicable Form 8-K has not been publicly
filed or furnished (unless such event has otherwise been disclosed to the Purchasers in writing prior to the date hereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The consolidated financial statements of the Company (including all related notes or schedules) included or incorporated
by reference in the Company SEC Documents complied as to form, as of their respective dates of filing with the SEC, in all material
respects with the published rules and regulations of the SEC with respect thereto, have been prepared in all material respects
in accordance with GAAP (except, in the case of unaudited quarterly statements, as permitted by Form 10-Q of the SEC or other rules
and regulations of the SEC), applied on a consistent basis during the periods involved (except (i)&nbsp;as may be indicated in
the notes thereto or (ii)&nbsp;as permitted by Regulation S<FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT>X)
and fairly presented in all material respects the consolidated financial position of the Company and its consolidated Subsidiaries
as of the dates thereof and the consolidated results of their operations and cash flows for the periods shown (subject, in the
case of unaudited quarterly financial statements, to normal year-end adjustments and the absence of footnote disclosures).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Neither the Company nor any of its Subsidiaries has any liabilities of any nature (whether accrued, absolute, contingent
or otherwise) that would be required under GAAP, as in effect on the date hereof, to be reflected on a consolidated balance sheet
of the Company (including the notes thereto), except liabilities (i)&nbsp;reflected or reserved against in the balance sheet (or
the notes thereto) of the Company and its Subsidiaries as of December 31, 2019 (the &ldquo;<U>Balance Sheet Date</U>&rdquo;) included
in the Filed SEC Documents, (ii)&nbsp;incurred after the Balance Sheet Date in the ordinary course of business, (iii)&nbsp;as expressly
contemplated by this Agreement or otherwise incurred in connection with the Transactions, (iv)&nbsp;that have been discharged or
paid prior to the date of this Agreement or (v)&nbsp;as would not, individually or in the aggregate, reasonably be expected to
have a Material Adverse Effect. Except as disclosed in Filed SEC Documents, neither the Company nor any of its Subsidiaries is
a party to, or has any commitment to become a party to, any &ldquo;off balance sheet arrangement&rdquo; within the meaning of Item
303 of Regulation S-K promulgated under the Securities Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company has established and maintains, and at all times since the Lookback Date has maintained, disclosure controls
and procedures and a system of internal controls over financial reporting (as such terms are defined in paragraphs (e) and (f),
respectively, of Rule 13a-15 under the Exchange Act) in accordance with Rule 13a-15 under the Exchange Act in all material respects.
Neither the Company nor, to the Company&rsquo;s Knowledge, the Company&rsquo;s independent registered public accounting firm, has
identified or been made aware of &ldquo;significant deficiencies&rdquo; or &ldquo;material weaknesses&rdquo; (as defined by the
Public Company Accounting Oversight Board) in the design or operation of the Company&rsquo;s internal controls over and procedures
relating to financial reporting which would reasonably be expected to adversely affect in any material respect the Company&rsquo;s
ability to record, process, summarize and report financial data, in each case which has not been subsequently remediated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;3.06<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Sale of Securities</U>. Assuming the accuracy of the representations and warranties set forth in <U>Section&nbsp;4.04</U>,
the sale of the Securities pursuant to this Agreement is exempt from the registration and prospectus delivery requirements of the
Securities Act and the rules and regulations thereunder. Without limiting the foregoing, neither the Company nor, to the Knowledge
of the Company, any other Person authorized by the Company to act on its behalf, has engaged in a general solicitation or general
advertising (within the meaning of Regulation D of the Securities Act) of investors with respect to offers or sales of Securities,
and neither the Company nor, to the Knowledge of the Company, any Person acting on its behalf has made any offers or sales of any
security or solicited any offers to buy any security, under circumstances that would cause the offering or issuance of Securities
under this Agreement to be integrated with prior offerings by the Company for purposes of the Securities Act that would result
in none of Regulation D or any other applicable exemption from registration under the Securities Act to be available, nor will
the Company take any action or step that would cause the offering or issuance of Securities under this Agreement to be integrated
with other offerings by the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;3.07<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Listing and Maintenance Requirements</U>. The Common Stock is registered pursuant to Section&nbsp;12(b) of the Exchange
Act and listed on The New York Stock Exchange, and the Company has taken no action designed to, or which, to the Knowledge of the
Company, is reasonably likely to have the effect of, terminating the registration of the Common Stock under the Exchange Act or
delisting the Common Stock from The New York Stock Exchange, nor has the Company received as of the date of this Agreement any
notification that the SEC or The New York Stock Exchange is contemplating terminating such registration or listing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;3.08<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Brokers and Other Advisors</U>. Except for Houlihan Lokey and Moelis &amp; Company LLC, the fees and expenses of which
will be paid by the Company, no broker, investment banker, financial advisor or other Person is entitled to any broker&rsquo;s,
finder&rsquo;s, financial advisor&rsquo;s or other similar fee or commission, or the reimbursement of expenses in connection therewith,
in connection with the Transactions based upon arrangements made by or on behalf of the Company or its Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;3.09<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Status of Securities</U>. . The shares of Common Stock issuable upon exercise of the Warrants will be, when issued, duly
authorized by all necessary corporate action on the part of the Company, validly issued, fully paid and nonassessable and issued
in compliance with all applicable federal and state securities laws and will not be subject to preemptive rights of any other Person,
and will be free and clear of all Liens, except restrictions imposed by the Securities Act, <U>Section&nbsp;5.10</U> and any applicable
securities Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;3.10<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Takeover Statutes</U>. No &ldquo;moratorium&rdquo;, &ldquo;fair price&rdquo;, &ldquo;affiliate transaction&rdquo;, &ldquo;business
combination&rdquo; control share or other takeover Laws or regulations, including Section 3-600 et seq. of the MGCL (the &ldquo;<U>Maryland
Business Combination Act</U>&rdquo;) or Section 3-700 et seq. of the MGCL (the &ldquo;<U>Maryland Control Share Acquisition Act</U>&rdquo;)
apply to this Agreement, the issuances of the Warrants, purchases of New Shares, or any other transactions contemplated hereby.
The Company has provided the Purchasers with a true and correct copy of resolutions passed unanimously by the Board exempting each
Purchaser and their respective Affiliates from the limitations and other effects of the Maryland Business Combination Act and Maryland
Control Share Acquisition Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;3.11<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Representations and Warranties in the New Credit Agreement</U>. The representations and warranties of the Company as
set forth in Sections <U>3.06</U>, <U>3.10</U>, <U>3.17</U>, <U>3.18</U>, <U>3.19</U>, <U>3.20</U>, <U>3.22</U>, <U>3.23</U> and
<U>3.24</U> of the New Credit Agreement are incorporated herein by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;3.12<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Shell Issuer</U>. The Company is not, and has not been, a shell issuer in the last 12 months as described in Rule 144(i)(1)
of the Securities Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;3.13<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Tax Matters</U>. Except as set forth on <U>Schedule 3.13</U> of the Company Disclosure Letter:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>(i) The Company and each of its Subsidiaries has timely filed or caused to be timely filed with the appropriate taxing authority
all federal Tax Returns, all income Tax Returns and all other material state, local and foreign Tax Returns required to be filed
by, or with respect to the income, properties or operations of, the Company and/or each Subsidiary, and all such Tax Returns are
true, correct and complete in all material respects, (ii) other than those that are diligently being contested in good faith by
appropriate proceedings and adequately disclosed and fully provided for on the financial statements of the Company in accordance
with GAAP, the Company and each Subsidiary, as applicable, has paid all federal Taxes, all income Taxes and all material state,
local and other Taxes, assessments and governmental charges or levies upon it or its property, income, profits and assets payable
by it which have become due, whether or not shown on a Tax Return and (iii) there is no action, suit, proceeding, investigation,
audit or claim now pending or, to the Knowledge of the Company, threatened by any Governmental Authority regarding any Taxes relating
to the Company or any Subsidiary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No deficiency for Taxes of the Company or any Subsidiary has been claimed, proposed or assessed in writing or, to the Knowledge
of the Company, threatened, by any Governmental Authority, which deficiency has not yet been settled, except for such deficiencies
which are diligently being contested in good faith by appropriate proceedings and adequately disclosed and fully provided for on
the financial statements of the Company in accordance with GAAP.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>There are no Liens for material Taxes upon any property or assets of the Company or any Subsidiary except Liens for Taxes
not yet due and payable or that are diligently being contested in good faith by appropriate proceedings and adequately disclosed
and fully provided for on the financial statements of the Company in accordance with GAAP.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Commencing with its taxable year ended December 31, 2014, the Company has qualified to be taxed as a REIT for U.S. federal
income tax purposes. The Company has been organized and has operated, and intends to continue to operate, in a manner so as to
qualify as a REIT for U.S. federal income tax purposes for its taxable year ending on December 31, 2020, and MFResidential Assets
Holding Corporation is properly classified as a Qualified REIT Subsidiary of the Company. The Company has not taken or omitted
to take any action that could reasonably be expected to result in a challenge by the IRS or any other Governmental Authority to
its status or qualification as a REIT for U.S. federal income tax purposes, and no such challenge to its status or qualification
as a REIT for U.S. federal income tax purposes is pending, being threatened in writing or, to the Knowledge of the Company, otherwise
threatened or asserted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;3.14<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>No Other Representations and Warranties</U>. Except for the representations and warranties contained in this <U>Article
III</U> hereof, none of the Company nor any Affiliate, representative, advisor or agent of the Company nor any other person acting
on its behalf has made or is making any representation or warranty of any kind or nature whatsoever, oral or written, express or
implied with respect to this Agreement or the transactions contemplated hereby and the Company disclaims any reliance on any representation
or warranty of the Purchasers or any Affiliate, representative, advisor or agent of the Purchasers except for the representations
and warranties expressly set forth in <U>Article 4</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article&nbsp;IV</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase"></FONT><U>Representations
and Warranties of the Purchasers</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each Purchaser represents
and warrants severely, and not jointly, to the Company, as of the date hereof and as of the Closing Date as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;4.01<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Organization&#894; Standing</U>. Such Purchaser is the type of entity set forth on the signature pages hereto, duly organized,
validly existing and in good standing under the Laws of its jurisdiction of incorporation or formation, as applicable, and is a
U.S. Person, and such Purchaser has all requisite power and authority necessary to carry on its business as it is now being conducted
and is duly licensed or qualified to do business and is in good standing (where such concept is recognized under applicable Law)
in each jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets
owned or leased by it makes such licensing or qualification necessary, except where the failure to be so licensed, qualified or
in good standing would not, individually or in the aggregate, reasonably be expected to have a Purchasers Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;4.02<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Authority&#894; Noncontravention</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Such Purchaser has all necessary power and authority to execute and deliver this Agreement and the other Transaction Documents,
to perform its obligations hereunder and thereunder and to consummate the Transactions. The execution, delivery and performance
by such Purchaser of this Agreement and the other Transaction Documents and the consummation by such Purchaser of the Transactions
have been duly authorized and approved by all necessary action on the part of such Purchaser, and no further action, approval or
authorization by any of its stockholders, partners, members or other equity owners, as the case may be, is necessary to authorize
the execution, delivery and performance by such Purchaser of this Agreement and the other Transaction Documents and the consummation
by such Purchaser of the Transactions. This Agreement has been duly executed and delivered by such Purchaser and, assuming due
authorization, execution and delivery hereof by the Company, constitutes a legal, valid and binding obligation of such Purchaser,
enforceable against it in accordance with its terms, subject to the Bankruptcy and Equity Exception.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Neither the execution and delivery of this Agreement or the other Transaction Documents by such Purchaser, nor the consummation
of the Transactions by such Purchaser, nor performance or compliance by such Purchaser with any of the terms or provisions hereof
or thereof, will (i)&nbsp;conflict with or violate any provision of the certificate or articles of incorporation, bylaws or other
comparable charter or organizational documents of such Purchaser or (ii)&nbsp;violate any Law or Judgment applicable to such Purchaser
or any of its Subsidiaries or violate or constitute a default (or constitute an event which, with notice or lapse of time or both,
would violate or constitute a default) under any of the terms, conditions or provisions of any Contract to which such Purchaser
or any of its Subsidiaries is a party or accelerate such Purchaser&rsquo;s or any of its Subsidiaries&rsquo;, if applicable, obligations
under any such Contract, except, in the case of clause&nbsp;(ii), (x)&nbsp;any required filings or approvals under (A) applicable
Competition Laws or (B) applicable Laws in connection with the regulatory status of, or any permits or licenses held by, the Company
or any of its Subsidiaries, in each case, prior to the issuance of shares of Common Stock upon the exercise of Warrants and (y)&nbsp;as
would not, individually or in the aggregate, reasonably be expected to have a Purchasers Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;4.03<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Governmental Approvals</U>. Except for filings required under, and compliance with other applicable requirements of,
applicable Competition Laws prior to the issuance of shares of Common Stock upon the exercise of Warrants, no consent or approval
of, or filing, license, permit or authorization, declaration or registration with, any Governmental Authority is necessary for
the execution and delivery of this Agreement and the other Transaction Documents by such Purchaser, the performance by such Purchaser
of its obligations hereunder and thereunder and the consummation by such Purchaser of the Transactions, other than such other consents,
approvals, filings, licenses, permits, authorizations, declarations or registrations that, if not obtained, made or given, would
not, individually or in the aggregate, reasonably be expected to have a Purchasers Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;4.04<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Purchase for Investment</U>. Such Purchaser acknowledges that the Securities and the Common Stock issuable upon the exercise
of the Warrants have not been registered under the Securities Act or under any state or other applicable securities laws. Such
Purchaser (a)&nbsp;acknowledges that it is acquiring the Securities and the Common Stock issuable upon the exercise of the Warrants
pursuant to an exemption from registration under the Securities Act solely for investment with no intention to distribute any of
the foregoing to any Person, (b)&nbsp;will not sell, transfer, or otherwise dispose of any of the Securities or the Common Stock
issuable upon the exercise of the Warrants except in compliance with the terms and conditions set forth in the Company Charter
Documents and the registration requirements or exemption provisions of the Securities Act and any other applicable securities Laws,
in each case, after giving effect to the Ownership Limit Waiver, (c)&nbsp;is a sophisticated institutional investor with extensive
knowledge and experience in financial and business matters and in investments of this type that it is capable of evaluating the
merits and risks of its investment in the Securities and the Common Stock issuable upon the exercise of the Warrants and of making
an informed investment decision, (d)&nbsp;is an &ldquo;accredited investor&rdquo; (as that term is defined by Rule 501 of the Securities
Act), and (e) (1) has been furnished with or has had full access to all the information that it considers necessary or appropriate
to make an informed investment decision with respect to the Securities and the Common Stock issuable upon the exercise of the Warrants,
(2) has had an opportunity to discuss with the Company and its Representatives the intended business and financial affairs of the
Company and to obtain information necessary to verify any information furnished to it or to which it had access and (3) can bear
the economic risk of (i) an investment in the Securities and the Common Stock issuable upon the exercise of the Warrants indefinitely
and (ii) a total loss in respect of such investment. Such Purchaser has knowledge and experience in business and financial matters
so as to enable it to understand and evaluate the risks of, and form an investment decision with respect to its investment in,
the Securities and the Common Stock issuable upon the exercise of the Warrants, and to protect its own interest in connection with
such investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;4.05<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Available Funds</U>. Each Purchaser will have or will cause an Affiliate of such Purchaser to have available cash sufficient
to pay the purchase price for each purchase of New Shares to be purchased by such Purchaser or such Affiliate prior to the time
of each applicable purchase.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;4.06<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Brokers and Other Advisors</U>. No broker, investment banker, financial advisor or other Person is entitled to any broker&rsquo;s,
finder&rsquo;s, financial advisor&rsquo;s or other similar fee or commission, or the reimbursement of expenses in connection therewith,
in connection with the Transactions, based upon arrangements made by or behalf of the Purchasers or their respective Affiliates,
except for Persons, if any, whose fees and expenses will be paid by the Purchasers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;4.07<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Non-Reliance on Company Estimates, Projections, Forecasts, Forward-Looking Statements and Business Plans</U>. In connection
with the due diligence investigation of the Company by such Purchaser and its Representatives, such Purchaser and its Representatives
have received and may continue to receive from the Company and its Representatives certain estimates, projections, forecasts and
other forward-looking information, as well as certain business plan information containing such information, regarding the Company
and its Subsidiaries and their respective businesses and operations. Such Purchaser hereby acknowledges that there are uncertainties
inherent in attempting to make such estimates, projections, forecasts and other forward-looking statements, as well as in such
business plans, with which such Purchaser is familiar, that the such Purchaser is making its own evaluation of the adequacy and
accuracy of all estimates, projections, forecasts and other forward-looking information, as well as such business plans, so furnished
to such Purchaser (including the reasonableness of the assumptions underlying such estimates, projections, forecasts, forward-looking
information or business plans), and that except for Fraud in connection with the representations and warranties expressly set forth
in <U>Article III</U>, such Purchaser will have no claim against the Company or any of its Subsidiaries, or any of their respective
Representatives, with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;4.08<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>No Other Representations and Warranties</U>. Except for the representations and warranties contained in this <U>Article
IV</U> hereof, neither Purchaser nor any Affiliate, representative, advisor or agent of either Purchaser nor any other person acting
on their behalf has made or is making any representation or warranty of any kind or nature whatsoever, oral or written, express
or implied with respect to this Agreement or the transactions contemplated hereby and the Purchasers disclaim any reliance on any
representation or warranty of the Company or any Affiliate, representative, advisor or agent of the Company except for the representations
and warranties expressly set forth in <U>Article 3</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article&nbsp;V</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase"></FONT><U>Additional
Agreements</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;5.01<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Regulatory Filings</U>. The Company and the Purchasers acknowledge that one or more filings, notifications, expirations
of waiting periods, waivers and/or approvals under applicable Laws, including Competition Laws may be necessary in connection with,
and prior to, the issuance of shares of Common Stock upon exercise of the Warrants in accordance with their terms. From and after
the Closing, the Purchasers will promptly notify the Company if any such filing, notification, expiration of a waiting period,
waiver and/or approval is required in connection with any such exercise and, notwithstanding anything to the contrary in this Agreement
or the Warrants, the Purchasers expressly acknowledge and agree that any such exercise shall be expressly subject to any such applicable
filing, notification, expiration of a waiting period, waiver and/or approval. To the extent requested by the Purchasers from time
to time following the Closing, the Company will use reasonable best efforts to (i) promptly provide the Purchasers with any information
that is reasonably necessary to determine whether any filings, approvals, waivers or notifications under any Laws (including Laws
in connection with the regulatory status of, or any permits or licenses held by, the Company or any of its Subsidiaries), including
Competition Laws, are required; (ii) to cooperate in promptly making or causing to be made all necessary applications, submissions
and filings under any such applicable Laws (including applicable Laws in connection with the regulatory status of, or any permits
or licenses held by, the Company or any of its Subsidiaries), including Competition Laws, in connection with the issuance of shares
of Common Stock upon exercise of the Warrants whether in advance of such exercise or contemporaneous with such exercise; (iii)
promptly provide all information requested by any Governmental Authority in connection with the any filing or notification under
any Competition Law; and (iv) promptly take all actions necessary to obtain any expiration of applicable waiting period, waiver
and/or approval under any Laws, including Competition Laws. For the avoidance of doubt, from and after the Closing, the Purchasers
may request the cooperation of the Company under this <U>Section&nbsp;5.01</U> at any time, and from time to time and on multiple
occasions, prior to the exercise in full, or part, of the Warrants held by the Purchasers. The Purchasers shall be responsible
for the payment of all filing fees associated with any applications or filings under such Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;5.02<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Corporate Actions</U>. Prior to the exercise of the Warrants, the Company shall take all lawful action within its control
to cause the authorized capital stock of the Company to include a sufficient number of authorized but unissued shares of Common
Stock to satisfy the exercise requirements of the Warrants then outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;5.03<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>New York Stock Exchange Listing of Shares</U>. The Company shall promptly apply to cause the aggregate number of Warrant
Shares to be approved for listing on The New York Stock Exchange, subject to official notice of issuance. From time to time following
the Closing Date, the Company shall cause the number of Warrant Shares then issuable upon exercise of the then outstanding Warrants
to be approved for listing on The New York Stock Exchange, subject to official notice of issuance, or such other primary exchange
as to which the Common Stock is then admitted for trading.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;5.04<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Legend</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>All certificates or other instruments representing the Warrants or Warrant Shares will bear a legend substantially to the
following effect:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.5in; text-align: justify">THE SECURITIES REPRESENTED BY THIS
INSTRUMENT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR THE SECURITIES LAWS OF ANY STATE AND MAY NOT
BE SOLD OR OTHERWISE DISPOSED OF EXCEPT WHILE A REGISTRATION STATEMENT RELATING THERETO IS IN EFFECT UNDER SUCH ACT AND APPLICABLE
STATE SECURITIES LAWS OR PURSUANT TO AN EXEMPTION FROM REGISTRATION UNDER SUCH ACT OR SUCH LAWS.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.5in; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Upon request of the applicable Purchaser Party and, if requested by the Company, receipt by the Company of an opinion of
counsel reasonably satisfactory to the Company to the effect that such legend is no longer required under the Securities Act and
applicable state securities laws, the Company shall promptly cause the legend to be removed from any certificate or other instrument
for Warrant or Common Stock to be transferred in accordance with the terms of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;5.05<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Standstill</U>. The Purchasers agree that during the Standstill Period, without the prior written approval of the Board,
the Purchasers will not, directly or indirectly, and will cause their respective Affiliates (which for the avoidance of doubt,
will not include the Company or any of its Subsidiaries) and Subsidiaries (the Purchasers, their respective Affiliates and Subsidiaries,
collectively, the &ldquo;<U>Standstill Parties</U>&rdquo;) not to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.05in 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>acquire, offer or seek to acquire, agree to acquire or make a proposal to acquire, by purchase or otherwise, any equity
securities or direct or indirect rights to acquire any equity securities of the Company or any of its Subsidiaries, or any securities
convertible into or exchangeable for any such equity securities (but in any case excluding (A) issuances by the Company of Warrant
Shares pursuant to any exercise of the Warrants in accordance with the terms of the Warrant Agreement, (B) issuances of the Warrants
by the Company to the Purchasers pursuant to this Agreement, (C) purchases by the Purchasers or their respective Affiliates of
the New Shares and (D) any subsequent purchases of Common Stock by the Purchasers or their respective Affiliates to adjust for
any dilution in the Purchasers&rsquo; (or their respective Affiliates&rsquo;) ownership of the New Shares as a result of the Company
issuing shares of Common Stock, dividends in kind thereon or other securities convertible into shares of Common Stock other than
ordinary course grants of securities consistent with past practice and pursuant to the Equity Plan (the &ldquo;<U>Dilutive Event</U>&rdquo;)
in an amount that maintains the Purchasers&rsquo; ownership in the Company pursuant to its purchases of New Shares immediately
prior to such Dilutive Event;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.05in 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.05in 0pt 0; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>make any public announcement with respect to, or offer, seek, propose or publicly indicate an interest in (in each case
with or without conditions), any merger, consolidation, business combination, tender or exchange offer for the Company&rsquo;s
equity securities or purchase of any material assets of the Company or its Subsidiaries, or enter into any discussions, negotiations,
arrangements, understandings or agreements (whether written or oral) with any other Person regarding any of the foregoing; <U>provided</U>
that this clause shall not prohibit a Standstill Party from making confidential proposals to the Board regarding mergers, consolidations
or other business combinations with the Company or a purchase of any of the Company&rsquo;s material assets so long as such proposals
would not reasonably be expected to require any public disclosure by the Purchasers or the Company or their respective Affiliates;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.05in 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.05in 0pt 0; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>make any public announcement with respect to, or offer, seek, propose or publicly indicate an interest in (in each case
with or without conditions), any recapitalization, reorganization, restructuring, liquidation, dissolution of the Company or its
Subsidiaries, or any other extraordinary transaction involving the Company or any Subsidiary of the Company or any of their respective
equity securities, or enter into any discussions, negotiations, arrangements, understandings or agreements (whether written or
oral) with any other Person regarding any of the foregoing; <U>provided</U> that this clause shall not prohibit a Standstill Party
from making confidential proposals to the Board regarding such matters so long as such proposals would not reasonably be expected
to require any public disclosure by the Purchasers or the Company or their respective Affiliates;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>otherwise act, alone or in concert with others, to control or seek to control, advise or knowingly influence, in any manner,
management or the board of directors, or the policies of the Company or any of its Subsidiaries (other than any Apollo Purchaser
Director acting in her or her capacity as a member of the Board or voting at a meeting of the Company&rsquo;s stockholders)&#894;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>make or in any way encourage or participate in any &ldquo;solicitation&rdquo; of &ldquo;proxies&rdquo; (whether or not relating
to the election or removal of directors), as such terms are used in the rules of the SEC, to vote, or knowingly seek to advise
or influence any Person with respect to voting of, any voting equity securities of the Company or any of its Subsidiaries, or call
or seek to call a meeting of the Company&rsquo;s stockholders or initiate any stockholder proposal for action by the Company&rsquo;s
stockholders, or (other than with respect to any Apollo Purchaser Director, to the extent in accordance with the terms and conditions
of this Agreement) seek election to or to place a representative on the Board or seek the removal of any director from the Board;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1in 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1in 0pt 0; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>take any action that would or would reasonably be expected to require the Purchasers, their respective Affiliates or the
Company to make a public announcement regarding the possibility of a transaction or any of the events described in this <U>Section
5.05</U>;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>enter into any discussions, negotiations, communications, arrangements or understandings with any third party (including
security holders of the Company, but excluding, for the avoidance of doubt, any Affiliates of the Purchasers who are also security
holders of the Company) with respect to any of the foregoing, including, without limitation, forming, joining or in any way participating
in a &ldquo;group&rdquo; (as defined in Section 13(d)(3) of the Exchange Act) with any third party (excluding, for the avoidance
of doubt, the Purchaser Parties) with respect to the Company or any of its Subsidiaries or any securities of the Company or of
any of its Subsidiaries or otherwise in connection with any of the foregoing;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.45in 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 1in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>make any public proposal or public statement of inquiry or publicly disclose any intention, plan or arrangement consistent
with any of the foregoing;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>knowingly advise, assist, encourage or direct any Person to do, or to knowingly advise, assist, encourage or direct any
other Person to do, any of the foregoing;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>request the Company or any of its Representatives, directly or indirectly, to amend or waive any provision of this <U>Section
5.05</U>; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>contest the validity of this <U>Section 5.05</U> or make, initiate, take or participate in any demand, Action (legal or
otherwise) or proposal to amend, waive or terminate any provision of this <U>Section 5.05</U>; <U>provided</U>, <U>however</U>,
that nothing in this <U>Section 5.05</U> will limit (1) the Purchasers&rsquo; (or their respective Affiliates&rsquo;) rights pursuant
to the Transaction Documents, in accordance with their terms; (2) any actions taken by the Apollo Purchaser Director, or the ability
of the Apollo Purchaser Director to vote or otherwise exercise his or her legal duties, in each case in his or her capacity as
a member of the Board; or (3) any private communications, proposals or offers for a transaction made to the Chief Executive Officer
of the Company or the Chairman of the Board (so long as the manner or content of any such communication would not reasonably be
expected to require any public disclosure by the Company).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.45in 0pt 0; text-indent: 1in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.45in 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;5.06<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Director and Observer Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>At any time following the Closing and until the occurrence of the Fall-Away of Apollo Purchaser Board Rights (the &ldquo;<U>Designee
Period</U>&rdquo;), Apollo Purchaser may elect, by notifying the Company, to have the Purchaser Designee be a non-voting observer
of the Board (the &ldquo;<U>Apollo Purchaser Observer</U>&rdquo;) or to be appointed as a member of the Board; provided that for
the avoidance of doubt, the Apollo Purchaser may not have an Apollo Purchaser Observer and have the Purchaser Designee serve on
the Board concurrently. Unless the Apollo Purchaser otherwise notifies the Company prior to the Closing, the Purchaser Designee
shall be appointed as a Purchaser Observer as of the Closing Date.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>If at any time during the Designee Period, the Apollo Purchaser elects to have the Purchaser Designee be a Purchaser Observer,
the Apollo Purchaser Observer shall be permitted to attend, as an observer, meetings of the Board, participate in Board discussions
and material information delivered to the Board shall be delivered to the Apollo Purchaser Observer at substantially the same time
as delivered to other non-executive directors; provided, however, that the Company shall have the right to withhold any information
and to exclude the Apollo Purchaser Observer from all or any portion of any meeting if access to such information or attendance
at such meeting or portion of a meeting could reasonably be expected to (i) adversely affect the attorney-client privilege or work
product protection, (ii) violate any Law, or (iii) violate the terms of any confidentiality agreement or other contract with a
third party. The Apollo Purchaser Observer shall not have any voting rights with respect to any matters considered or determined
by the Board or any committee thereof, or be entitled to receive any compensation or reimbursement of expenses in his or her capacity
as Apollo Purchaser Observer. Any action taken by the Board at any meeting will not be invalidated by the absence of the Apollo
Purchaser Observer at such meeting.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>If at any time during the Designee Period, the Apollo Purchaser elects to have the Purchaser Designee appointed as a member
of the Board, the Board shall take all action necessary to cause one (1) Apollo Purchaser Designee to be appointed as a member
of the Board, effective as of the date of resignation of the Apollo Purchaser Observer. Following the appointment of such Apollo
Purchaser Director and until either (i) a subsequent notification by the Apollo Purchaser that the Purchaser Designee should be
appointed as a Purchaser Observer or (ii) the occurrence of the Fall-Away of Apollo Purchaser Board Rights, the Company will nominate
an Apollo Purchaser Designee to be elected (or reelected) at each annual meeting of the Company&rsquo;s stockholders&nbsp;at which
the&nbsp;class<FONT STYLE="background-color: white">&nbsp;of directors of which the Apollo Purchaser Designee is a part is subject
to election (or&nbsp;re-election)</FONT>, recommend that holders of its Common Stock vote to elect such Apollo Purchaser Designee
and use its reasonable efforts to cause the election to the Board of a slate of directors that includes such Apollo Purchaser Designee.
If the Apollo Purchaser Designee is not elected to serve as the Apollo Purchaser Director, the Board will take all lawful actions
to appoint a Apollo Purchaser Designee as the Apollo Purchaser Director, including increasing the size of the Board and appointing
such Apollo Purchaser Designee to fill the vacancy created by such increase. For clarity, the Apollo Purchaser&rsquo;s right to
have an Apollo Purchaser Designee serve as a director on the Board as set out in this <U>Section 5.06(c)</U> is in lieu and not
in duplication of the Apollo Purchaser&rsquo;s right to have an Apollo Purchaser Observer appointed as an observer of the Board
pursuant to <U>Section 5.06(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Apollo Purchaser Director or the Apollo Purchaser Observer, as the case may be, shall deliver to the Company an irrevocable
letter of resignation resigning automatically and without further action (other than acceptance of the resignation by the Board)
upon the Fall-Away of Apollo Purchaser Board Rights, and the Apollo Purchaser shall no longer have any rights under this <U>Section
5.06</U>, including, for the avoidance of doubt, any designation and/or nomination rights under <U>Section 5.06</U>.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Apollo Purchaser Director or the Apollo Purchaser Observer, as the case may be, shall deliver to the Company an irrevocable
letter of resignation resigning automatically and without further action upon delivery of a request for resignation by the Apollo
Purchaser. Following the Closing and until the occurrence of the Fall-Away of Apollo Purchaser Board Rights, (i) in the event of
the death, disability, resignation (including pursuant to the letter of resignation referred to in the immediately preceding sentence)
or removal of the Apollo Purchaser Director as a member of the Board or the Apollo Purchaser Observer as a non-voting observer
of the Board, the Apollo Purchaser may designate an Apollo Purchaser Designee to replace such Apollo Purchaser Director or Apollo
Purchaser Observer (as applicable) and, subject to <U>Section 5.06(f)</U> and any applicable provisions of the MGCL, the Company
shall take such action as is necessary to cause such Apollo Purchaser Designee to be appointed to the Board or as the Apollo Purchaser
Observer, as applicable.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company shall indemnify the Apollo Purchaser Director and provide the Apollo Purchaser Director with director and officer
insurance to the same extent as it indemnifies and provides such insurance to other members of the Board, pursuant to the Company
Charter Documents, the MGCL or otherwise. The Company hereby acknowledges that the Apollo Purchaser Director may have rights to
indemnification and advancement of expenses provided by the Apollo Purchaser or its Affiliates (directly or through insurance obtained
by any such entity) (collectively, the &ldquo;<U>Director Indemnitors</U>&rdquo;). The Company hereby agrees and acknowledges that
(i) it is the indemnitor of first resort with respect to the Apollo Purchaser Director, (ii) it shall be required to advance the
full amount of expenses incurred by the Apollo Purchaser Director, as required by law, the terms of the Company Charter Documents,
an agreement, vote of stockholders or disinterested directors, or otherwise, without regard to any rights the Apollo Purchaser
Director may have against the Director Indemnitors and (iii) to the extent permitted by law, it irrevocably waives, relinquishes
and releases the Director Indemnitors from any and all claims against the Director Indemnitors for contribution, subrogation or
any other recovery of any kind in respect thereof. The Company further agrees that no advancement or payment by the Director Indemnitors
on behalf of the Company with respect to any claim for which the Apollo Purchaser Director have sought indemnification from the
Company shall affect the foregoing and the Director Indemnitors shall have a right of contribution and/or be subrogated to the
extent of such advancement or payment to all of the rights of recovery of the Purchaser Director against the Company. These rights
shall be a contract right.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company<FONT STYLE="font-size: 10pt">&rsquo;</FONT>s obligations with respect to the Apollo Purchaser Director and the
Apollo Purchaser Observer pursuant to this <U>Section 5.06</U> shall in each case be subject to (i) such Apollo Purchaser Designee<FONT STYLE="font-size: 10pt">&rsquo;</FONT>s
and such Apollo Purchaser Director<FONT STYLE="font-size: 10pt">&rsquo;</FONT>s or Apollo Purchaser Observer&rsquo;s (as applicable)
satisfaction of all requirements regarding service as a director of the Company under applicable Law and stock exchange rules regarding
service as a director of the Company, and all other criteria and qualifications for service as a director applicable, as reflected
as of the date hereof pursuant to the Company&rsquo;s internal written policies related thereto (a copy of which has been provided
to the Apollo Purchaser), to all non-executive directors of the Company, (ii) such Apollo Purchaser Observer executing a customary
confidentiality agreement, and (iii) such Apollo Purchaser Director or Apollo Purchaser Observer not being or becoming a director
or officer of a Competitor while such individual remains in his or her role as an Apollo Purchaser Director or an Apollo Purchaser
Observer. The Apollo Purchaser will cause the Apollo Purchaser Designee (A) to make himself or herself reasonably available for
interviews, (B) to consent to such reference and background checks or other investigations as the Board may reasonably request
in order to determine the Apollo Purchaser Designee<FONT STYLE="font-size: 10pt">&rsquo;</FONT>s eligibility and qualification
to serve as contemplated hereunder, and (C) to provide to the Company a completed copy of the directors and officers questionnaire
submitted by the Company to its other directors in the ordinary course of business. No Apollo Purchaser Designee shall be eligible
to serve as a director or board observer if he or she (x) has been involved in any of the events enumerated under Item 2(d) or
(e) of Schedule 13D under the Exchange Act or Item 401(f), other than Item 401(f)(1), of Regulation S-K under the Securities Act
or (y) is subject to any Judgment prohibiting service as a director of any public company. In the event that the Apollo Purchaser
Director or the Apollo Purchaser Observer becomes aware that he or she no longer satisfies all the requirements set forth in (1)
the immediately preceding sentence and (2) the first sentence of this <U>Section 5.06(g)</U>, the Apollo Purchaser Director or
the Apollo Purchaser Observer (as applicable) shall deliver to the Company an irrevocable letter of resignation resigning automatically
and without further action (other than acceptance of the resignation by the Board), and the Apollo Purchaser shall be entitled
to designate a new Apollo Purchaser Director or Apollo Purchaser Observer (as applicable), subject to the terms of this <U>Section
5.06</U>. As a condition to an Apollo Purchaser Designee&rsquo;s (x) election to the Board or nomination for election as a director
of the Company or (y) rights as a non-voting observer, as applicable, pursuant to this <U>Section 5.06</U>, such Apollo Purchaser
Designee must provide to the Company:</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>all information reasonably requested by the Company that is required to be or is customarily disclosed for directors, candidates
for directors and their respective Affiliates and Representatives in a proxy statement or other filings in accordance with applicable
Law, any stock exchange rules or listing standards or the Company Charter Documents or corporate governance guidelines;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 1in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>all information reasonably requested by the Company in connection with assessing eligibility, independence and other criteria
applicable to directors or satisfying compliance and legal or regulatory obligations; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 1in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 1in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>an undertaking in writing by the Apollo Purchaser Designee:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 1in">a.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>to be subject to, bound by and duly comply with the code of conduct and other policies of the Company, in each case, solely
to the extent applicable to all other non-executive directors of the Company; and</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 1in">b.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>at the request of the Board, to recuse himself or herself from any determinations, deliberations or discussion of the Board
or any committee thereof to the extent regarding the Company&rsquo;s relationship with the Apollo Purchaser or any of its Affiliates,
or matters arising under the Transaction Documents or the Transactions;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 1in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Apollo Purchaser Director or the Apollo Purchaser Observer, as applicable, shall not participate in, and, at the Board&rsquo;s
request, shall recuse himself or herself from, and the Apollo Purchaser shall cause the Apollo Purchaser Director or the Apollo
Purchaser Observer, as applicable, to not participate in, and to recuse himself or herself from, any Board deliberations and actions
relating to the Company&rsquo;s relationship with the Apollo Purchaser or matters arising under the Transaction Documents or the
Transactions.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Apollo Purchaser Director and the Apollo Purchaser Observer, as applicable, shall be permitted to share information
received in his or her capacity as such (A) as required by applicable Law and (B) with (i) the Purchaser Parties, (ii) one or more
of their respective Affiliates or one or more cedants that have entered into a reinsurance relationship with any Purchaser Party
or any Affiliate thereof in connection with reporting or other communications contemplated under the applicable reinsurance treaty,
the related investment management agreement or other related agreements, (iii) any fund, insurance company or other entity managed
or advised by the investment advisor (or one or more Affiliates thereof) to any Purchaser Party, (iv) any beneficiary under a trust
agreement in which the investment advisor (or an Affiliate thereof) to any Purchaser Party is also the investment advisor or asset
manager of the grantor under such trust agreement and/or (v) any of their respective officers, directors, employees, lawyers, accountants,
consultants and other advisors and representatives; provided that any such Persons listed in (i) through (v) above shall not be
a Competitor and shall agree to keep any such information confidential and to use such information (x) solely for the purposes
of monitoring, administering or managing the Purchasers&rsquo; investment in the Company made pursuant to this Agreement or (y)
as required by applicable Law; provided further that the Purchaser Parties will be responsible for any unauthorized disclosure
or misuse of any information by any of the persons listed in (ii) through (v) above. In the case of any disclosure required by
applicable Law, the disclosing party shall (x) prior to any such disclosure (i) give the Company the earliest possible written
notice that such disclosure is or may be required and (ii) cooperate with the Company in protecting the confidential or proprietary
nature of the information which must be so disclosed through a protective order or other appropriate remedy and (y) after complying
with clause (x), only disclose that portion of the information that is legally required to be disclosed. Notwithstanding the foregoing,
the Purchaser Parties, their Affiliates and any such Persons listed in (i) through (v) of <U>Section 5.06(h)</U> may provide such
information without providing prior notice to or seeking the consent of the Company, without liability hereunder, for the purposes
of fulfilling their ordinary course regulatory obligations, including to any banking or insurance regulatory agency, that are not,
to the knowledge of the Purchaser Parties, targeted at the Company or the Transactions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding anything to the contrary provided in <U>Section 5.06(h)</U>, the Purchaser Parties, their Affiliates and
any such Persons listed in (i) through (v) of <U>Section 5.06(h)</U> may share without liability hereunder any information that
the Apollo Purchaser Director or the Apollo Purchaser Observer, as applicable, receives in his or her capacity as such that (i)
was or becomes available to the public other than as a result of a disclosure by the Apollo Purchaser Director, the Apollo Purchaser
Observer, the Purchaser Parties, their Affiliates or any such Persons listed in (i) through (v) of <U>Section 5.06(h)</U> in violation
of <U>Section 5.06(h)</U>, (ii) was or becomes available to the Purchaser Parties, their Affiliates or any such Persons listed
in (i) through (v) of <U>Section 5.06(h)</U> on a nonconfidential basis from a source other than the Company, its Affiliates or
any such Persons listed in (i) through (v) of <U>Section 5.06(h)</U>; provided that such source was not, to the Purchasers&rsquo;
knowledge after due inquiry, subject to any legally binding obligation (whether by agreement or otherwise) to keep such information
confidential, (iii) at the time of disclosure is already in the possession of the Purchaser Parties, their Affiliates or any such
Persons listed in (i) through (v) of <U>Section 5.06(h)</U>, provided that such information is not, to such persons&rsquo; knowledge
after due inquiry, subject to any legally binding obligation (whether by agreement or otherwise) to keep such information confidential,
or (iv) is independently developed by the Purchaser Parties, their Affiliates or any such Persons listed in (i) through (v) of
<U>Section 5.06(h)</U> without reference to, incorporation of, reliance on or other use of any information that the Apollo Purchaser
Director or the Apollo Purchaser Observer receives in his or her capacity as such.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;5.07<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Conduct of Business Prior to Closing</U>. Beginning on the date hereof and until the Closing Date, unless the Purchaser
otherwise agrees in writing, the Company shall use commercially reasonable efforts to (and shall use commercially reasonable efforts
to ensure that each of its Subsidiaries will) conduct its business, operations, activities and facilities in the ordinary course
consistent with past practice and shall use commercially reasonable efforts to take all actions necessary to (i) preserve and keep
in full force and effect its material business relationships, and (ii) comply with the Company Charter Documents.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;5.08<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Withholding</U>. The Company and its paying agent shall be entitled to deduct and withhold taxes on all payments and
distributions (or deemed distributions) with respect to the Warrants (or upon the exercise thereof) and the Common Stock, in each
case, to the extent required by applicable Law. To the extent that any amounts are so deducted or withheld, such deducted or withheld
amounts shall be treated for all purposes of this Agreement as having been paid to the Person in respect of which such deduction
or withholding was made. In the event the Company previously remitted any amounts to a Governmental Authority on account of taxes
required to be deducted or withheld in respect of any payment or distribution (or deemed distribution) with respect to a Warrant
(or upon the exercise thereof) or the Common Stock, the Company shall be entitled (i)&nbsp;to offset any such amounts against any
amounts otherwise payable in respect of such Warrant or Common Stock, any Warrant Shares otherwise required to be issued upon the
exercise of such Warrant or any amounts otherwise payable in respect of Warrant Shares received upon the exercise of such Warrant,
or (ii)&nbsp;to require the Person in respect of whom such deduction or withholding was made to reimburse the Company for such
amounts. Prior to deducting or withholding any amount, the Company shall, pursuant to a written request to the applicable Purchaser,
give such Purchaser a reasonable opportunity to provide any form or certificate to reduce or eliminate any withholding or deduction
described in this <U>Section 5.08</U>. The Company shall assist, at such Purchaser&rsquo;s reasonable request and expense, the
Purchaser in securing on its behalf any available refunds and reductions of, and exemptions from, withholding taxes and making
any filings, applications or elections to obtain any refund, reduction or exemption from such withholding taxes. Notwithstanding
anything to the contrary in this <U>Section 5.08</U>, the Company shall not withhold or deduct any amount on any payment or distribution
(or deemed distribution) if it receives (or has previously received) a duly executed, valid, accurate and properly completed IRS
Form W-9 from the applicable Purchaser or any other holder of Warrants, Common Stock (including New Shares) or Warrant Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;5.09<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> <U>Tax Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Within 20 days of the Closing Date, the Company shall determine and deliver to the Purchasers the Company&rsquo;s proposed
valuation of each Tranche (the &ldquo;<U>Proposed Warrant Valuation</U>&rdquo;), along with the supporting calculations. If the
Purchasers do not agree with the Proposed Warrant Valuation, then within 10 days of receipt of the Proposed Warrant Valuation,
the Purchasers shall provide comments on the Proposed Warrant Valuation. The Company will consider any such comments in good faith
(it being understood that the parties will use commercially reasonable efforts to agree on the appropriate valuation of each Tranche)
and will revise the Proposed Warrant Valuation to the extent the Purchasers and the Company agree such revisions are appropriate.
Promptly after the receipt of the Purchasers&rsquo; comments, the Company will deliver to the Purchaser the Company&rsquo;s final
valuation of each Tranche (the &ldquo;<U>Final Warrant Valuation</U>&rdquo;), and the Company will file any Tax Returns consistent
with the Final Warrant Valuation and not take any actions inconsistent with such Final Warrant Valuation, unless otherwise required
by the IRS or another Governmental Authority following an audit or examination. In the event of any such audit or examination,
the Company shall promptly notify the Purchasers of the valuation of each Tranche that the Company has determined it is required
to use by the IRS or other Governmental Authority.</P>

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<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>From and after the Closing Date and until the Fall-Away of Apollo Purchaser Board Rights, the Company will continue to be
organized and operated in conformity with the requirements for qualification and taxation as a REIT under the Code, and MFResidental
Assets Holding Corporation will continue at all times to be a Qualified REIT Subsidiary of the Company, unless otherwise consented
to by the Purchasers. After the Fall-Away of Apollo Purchaser Board Rights until the first day on which the Purchaser and its Affiliates
no longer own any shares of Common Stock or Warrants, if the Company determines that it will no longer be organized and operated
in conformity with the requirements for qualification and taxation as a REIT under the Code or that MFResidental Assets Holding
Corporation will no longer be a Qualified REIT Subsidiary of the Company for any taxable year, then in each such case the Company
shall promptly provide written notice (but no later than 10 days after such determination) to the Purchaser Shareholders of such
determination, which written notice shall specify the effective date upon which the Company will no longer qualify as a REIT or
that MFResidential will no longer be a Qualified REIT Subsidiary of the Company, as applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

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<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>From and after the Closing Date and until the later of (i) the Fall-Away of Apollo Purchaser Board Rights and (ii) if the
Company Common Stock is ever not &ldquo;regularly traded on an established securities market located in the United States&rdquo;
within the meaning of Section 897(h)(1), the first day on which the Purchaser and its Affiliates no longer own any shares of Common
Stock or any Warrants, the Company shall not make a distribution described in Section 897(h)(1) of the Code to the Purchasers or
any of their respective Affiliates (collectively, the &ldquo;<U>Purchaser Shareholders</U>&rdquo;) that holds any New Shares, Warrants
or Warrant Shares in the Company without first providing each of them with written notice, at least 30 days prior to the record
date with respect to such a distribution, of its intent to do so. Such notice shall specify the estimated date of the distribution
and the estimated amount of the distribution that is described in Section 897(h)(1) of the Code, and shall not be considered effective
if it does not. The Company shall promptly provide the Purchaser Shareholders with such additional information concerning such
distribution and the circumstances giving rise to it as they may from time to time, both before and after such distribution is
made, reasonably request, provided that the Purchaser Shareholders shall be responsible for any reasonable incremental out of pocket
expenses paid to third party accountants of the Company resulting from such request for information, but only to the extent that
the Company would not have otherwise incurred such expense in connection with such Section 897(h)(1) distribution.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>From and after the Closing Date and until the Fall-Away of Apollo Purchaser Board Rights, the Company shall not take any
action or actions that would cause the Purchasers or any of their respective Affiliates, including any Affiliate that holds any
Common Stock (including the New Shares), Warrants or Warrant Shares in the Company, to recognize excess inclusion income pursuant
to Section 860E of the Code. After the Fall-Away of Apollo Purchaser Board Rights until the first day on which the Purchaser and
its Affiliates no longer own any shares of Common Stock or Warrants, the Company shall provide written notice to the Purchaser
Shareholders of any such action at least 30 days prior to taking any such action or actions described in the preceding sentence.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;5.10<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Section 16b-3</U>. The Company agrees that it shall use its best efforts to cause the Company&rsquo;s Board or a committee
consisting solely of two or more non-employee directors to take any additional reasonable action as is requested by the Purchaser
to approve in advance the Transactions for the purpose of exempting Purchaser's interest in the Transactions from Section 16(b)
of the Exchange Act pursuant to Rule 16b-3, to the extent such exemption is available, so long as the Purchaser has the right to
appoint a Purchaser Designee under <U>Section&nbsp;5.06</U> or any such Purchaser Designee serves on the Company&rsquo;s Board
or is subject to Section 16 of the Exchange Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;5.11<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Waiver of Corporate Opportunity</U>. To the fullest extent permitted by applicable Law, the Company hereby agrees that
the Purchasers and their respective Affiliates (including, but not limited to, the Apollo Purchaser Designee) shall not have any
obligation to refrain from engaging, directly or indirectly, in the same or similar business activities or lines of business as
the Company or any of its Subsidiaries. To the fullest extent permitted by applicable Law, the Company, on behalf of itself and
its Subsidiaries, renounces any interest or expectancy of the Company and its Subsidiaries in, or in being offered an opportunity
to participate in, business opportunities that are from time to time available to the Purchasers or their respective Affiliates
(other than with respect to any information or materials delivered or made available to the Apollo Purchaser Director in such Apollo
Purchaser Director&rsquo;s capacity as a director or the Apollo Purchaser Observer in such Apollo Purchaser Observer&rsquo;s capacity
as an observer), even if the opportunity is one that the Company or its Subsidiaries might reasonably be deemed to have pursued
or had the ability or desire to pursue if granted the opportunity to do so. The Company hereby further agrees that the Purchasers
and their respective Affiliates (including, but not limited to, the Apollo Purchaser Designee) shall have no duty to communicate
or offer such business opportunity to the Company (and that there shall be no restriction on the Purchasers using the general knowledge
and understanding of the Company and the industry in which the Company operates that it has gained from consummating the Transactions
in considering and pursuing such opportunities or in making investments, voting, monitoring or other decisions relating to other
entities or securities) and, to the fullest extent permitted by applicable Law, shall not be liable to the Company or any of its
Subsidiaries or stockholders for breach of any fiduciary, standard of care or other duty, as a stockholder, director or officer
or otherwise, solely by reason of the fact that the Purchasers or their respective Affiliates pursue or acquire such business opportunity,
directs such business opportunity to another person or fails to present such business opportunity, or information regarding such
business opportunity, to the Company or its Subsidiaries, or uses such knowledge and understanding in the manner described herein.
The Company and the Board have taken, or will take, all necessary Board action to effect the forgoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;5.12<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Further Assurances</U>. The Company agrees that, from time to time, it will promptly take such actions and execute and
deliver to the Purchasers such additional documents and instruments as may be reasonably required in order to carry out the purposes
of this Agreement, including taking all actions necessary so that no &ldquo;moratorium&rdquo;, &ldquo;fair price&rdquo;, &ldquo;affiliate
transaction&rdquo;, &ldquo;business combination&rdquo;, control share, or other takeover Laws or regulations or stockholder rights
plan or similar agreement or arrangement in existence now or at any time following the date hereof applies to this Agreement, the
issuances and exercise of the Warrants, purchases of New Shares, or any other transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;5.13<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Exclusivity</U>. During the period from the date of this Agreement through the Closing or the earlier termination of
this Agreement pursuant to the terms and conditions hereof, neither the Company nor its respective Affiliates shall take or permit
any other Person on its behalf (including, without limitation, its subsidiaries, officers, directors, employees, consultants or
agents or any investment banker, financial advisor, attorney, accountant or other representative retained by any of them) to take,
indirectly or directly, any action to encourage, initiate, or engage in discussions or negotiations with, or take any other action
to facilitate, any inquiries or the making of any proposal or indication of interest that constitutes, or would reasonably be expected
to result in, a Competing Transaction (as defined below), or enter into or maintain or continue discussions or negotiate with any
Person in furtherance of such inquiries or to obtain a Competing Transaction, or agree to endorse any Competing Transaction, or
authorize or permit any person to take any such action. The term &ldquo;<U>Competing Transaction</U>&rdquo; means any direct or
indirect equity or debt financing transaction other than non-recourse financing pursuant to Permitted Repo Facilities for loans
acquired or originated after the date hereof. If the Company receives any inquiry regarding a potential Competing Transaction,
it will promptly inform the Purchasers of such inquiry and the material terms of such inquiry, including, without limitation, the
identity of the Person submitting such inquiry.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;5.14<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Public Disclosure</U>. The Purchaser Parties and the Company shall consult with each other before issuing, and give each
other the opportunity to review and comment upon, any press release or other public statements with respect to the Transaction
Documents or the Transactions, and shall not issue any such press release or make any such public statement prior to such consultation,
except as may be required by applicable Law, Judgment, court process, the rules and regulations of any national securities exchange
or national securities quotation system or Exchange Act reporting obligations. The Purchasers and the Company agree that the initial
press release to be issued with respect to the Transactions following execution of this Agreement shall be in the form mutually
agreed by the parties (the &ldquo;<U>Announcement</U>&rdquo;). Notwithstanding the foregoing, this <U>Section&nbsp;5.14</U> shall
not apply to any press release or other public statement made by the Company or the Purchasers (a) that is consistent with the
Announcement and does not contain any information relating to the Transactions that has not been previously announced or made public
in accordance with the terms of this Agreement or (b) is made in the ordinary course of business and does not relate specifically
to the signing of the Transaction Documents or the Transactions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;5.15<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Blow- Out; Blackout Period</U>. Until the Purchaser has satisfied its Secondary Purchase Commitment (or such Secondary
Purchase Commitment has been waived by the Company), the Company shall (A) file all material required to be filed pursuant to Section
13, 14 or 15(d) of the Exchange Act, (B) maintain the listing of its Common Stock on the New York Stock Exchange or NASDAQ, and
(C) as of the commencement of a Trading Window, have publicly disseminated all material non-public information (as defined in the
United States securities Laws) made available to the Purchaser or its Affiliates (&ldquo;<U>MNPI</U>&rdquo;) in a manner so that
the Purchaser or its Affiliates may satisfy the Secondary Purchase Commitment during such trading window without violating applicable
securities Laws. In the event that the Trading Window is open for a period of less than fifteen weeks in the aggregate prior to
the Secondary Purchase Commitment Deadline, the Secondary Purchase Commitment Deadline shall be extended by the Secondary Purchase
Commitment Extension. Upon either of the Purchasers submitting a request for pre-clearance to trade pursuant to the Company&rsquo;s
Insider Trading Policy, the Company will promptly respond in writing, which in no event will be more than one Business Day following
the date of such request confirming whether the Purchasers or one of more of their respective permitted assignees are pre-cleared;
provided, that (i) the Company shall not unreasonably deny pre-clearing the Purchasers or such permitted assignees and (ii) the
Purchasers or their respective permitted assignees may, but are not obligated to, submit a request for pre-clearance regardless
of whether such request is required under the Company&rsquo;s Insider Trading Policy. Any denial of pre-clearance to trade for
the Purchasers or their respective permitted assignees referred to in clause (i) above will automatically be deemed to be unreasonable
if, on or around the time when such request for pre-clearance is submitted by the Purchasers or their permitted assignees, the
Company pre-clears under its Insider Trading Policy any director or executive officer and, if such director or executive officer
was previously pre-cleared, either his or her pre-clearance hasn&rsquo;t been terminated as of the time of such denial or if a
director or executive officer is subsequently precleared, the MNPI that prevented the Purchasers from being pre-cleared has been
publicly disclosed prior to such director or executive officer&rsquo;s pre-clearance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;5.16<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Ownership Limit Waiver and Registration Rights Agreement</U>. At, or prior to the Closing, (i) the Purchasers will deliver
to the Company the Ownership Limit Waiver duly executed by the Purchaser, (ii) the Company shall deliver to the Purchasers the
Ownership Limit Waiver duly executed by the Company, the effectiveness of which is conditioned on the present and continuing accuracy
of the representations and undertakings of the Purchaser set forth in the Ownership Limit Waiver, (iii) the Company shall deliver
to the Purchaser the Registration Rights Agreement, duly executed by the Company and (iv) the Purchasers shall deliver to the Company
the Registration Rights Agreement, duly executed by each Purchaser.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;5.17<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Amendment to Bylaws</U>. For so long as the Purchaser Parties or any of their Affiliates own, directly or indirectly,
or hold the power to direct the exercise of voting power with respect to, any Securities or Warrant Shares, the Board will not
(i) amend Section 6.7 of the Company&rsquo;s bylaws in a manner that would impact the Purchaser Parties&rsquo; voting rights with
respect to Securities acquired by the Purchaser Parties pursuant to this Agreement or the Warrant Shares; or (ii) take any other
action that would cause Securities acquired by the Purchaser Parties pursuant to this Agreement or the Warrant Shares to become
 &ldquo;control shares&rdquo; as defined in Section 3-701 of the MGCL.&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article&nbsp;VI</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><U></U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><U>Survival and Termination</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;6.01<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Termination</U>. This Agreement may be terminated and the transactions contemplated hereby abandoned at any time prior
to the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>by mutual written consent of the Purchasers and the Company; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>by either the Purchasers or the Company if any Governmental Authority of competent jurisdiction shall have issued any order,
decree, ruling or injunction permanently restraining, enjoining or otherwise prohibiting the consummation of the Transactions and
such order, decree, ruling or injunction shall have become final and non-appealable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>by either the Company or the Purchasers if the Closing shall not have occurred prior to 5:00 p.m., New York city time, on
July 1, 2020; <U>provided</U> that (i) the right to terminate this Agreement under this Section shall not be available to any party
whose failure to fulfill any of its covenants or agreements under this Agreement has been the principal cause of the failure of
the Closing to occur prior to such time and (ii) the right to terminate this Agreement under this <U>Section&nbsp;6.01</U> shall
not be available to any party during the pendency of a legal proceeding by the other party for specific performance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;6.02<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Effects of Termination</U>. In the event of termination of this Agreement by any party as provided in <U>Section&nbsp;6.01</U>,
this Agreement shall forthwith become void and there shall be no liability or obligation on the part of any party, except for this
<U>Section&nbsp;6.02</U>; <U>provided</U>, that, notwithstanding anything to the contrary herein, (a) no such termination shall
relieve any party from liability for any damages resulting from or arising out of Fraud or willful breach of this Agreement prior
to such termination and (b) the parties hereto acknowledge and agree that nothing contained herein shall be deemed to affect their
right to specific performance in accordance with this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;6.03<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Survival and Limitation on Liability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>All of the covenants or other agreements of the parties contained in this Agreement to be performed (i) on or prior to the
Closing shall survive for 12 months following the Closing Date and (ii) after the Closing shall survive the Closing until fully
performed or fulfilled, unless and to the extent that non-compliance with such covenants or agreements is waived in writing by
the party entitled to such performance; provided that, claims made pursuant to (i) shall be limited to claims for breach of such
covenants prior to the Closing Date. The representations and warranties made herein shall survive for 12 twelve months following
the Closing Date, other than the representations and warranties set forth in <U>Section&nbsp;3.01(a)</U>, <U>Section 3.02(a)</U>,
<U>Section 3.02(b)</U>, <U>Section&nbsp;3.03(a)</U>, <U>Section 4.01</U> and <U>Section 4.02</U> (such representations and warranties
contained therein, the &ldquo;<U>Fundamental Representations</U>&rdquo;), which shall survive until the expiration of the applicable
statute of limitations, and shall then expire<FONT STYLE="font-family: Times New Roman, Times, Serif">; </FONT><U>provided</U>
that nothing herein shall relieve any party of liability for any inaccuracy in or breach of such representation or warranty to
the extent that any good-faith allegation of such inaccuracy or breach is made in writing prior to such expiration by a Person
entitled to make such claim pursuant to the terms and conditions of this Agreement. For the avoidance of doubt, claims may be made
with respect to the breach of any representation, warranty or covenant until the applicable survival period therefor as described
above expires.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding anything herein to the contrary, except in the case of Fraud, from and after the Closing, the maximum liability
of the Company under or relating to this Agreement to the extent relating to or arising out of any breach of the pre-Closing covenants
contained herein, or any breach of, or inaccuracy in, the representations and warranties of the Company made herein (other than
with respect to the Fundamental Representations) shall in no event exceed $3 million.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article&nbsp;VII</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase"></FONT><U>Miscellaneous</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;7.01<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Amendments<FONT STYLE="font-family: Times New Roman, Times, Serif">; </FONT>Waivers</U>. Subject to compliance with applicable
Law, this Agreement may be amended or supplemented in any and all respects only by written agreement of the parties hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;7.02<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Extension of Time, Waiver, Etc</U>. The Company and the Purchaser may, subject to applicable Law, (a)&nbsp;waive any
inaccuracies in the representations and warranties of the other party contained herein or in any document delivered pursuant hereto,
(b)&nbsp;extend the time for the performance of any of the obligations or acts of the other party or (c)&nbsp;waive compliance
by the other party with any of the agreements contained herein applicable to such party or, except as otherwise provided herein,
waive any of such party&rsquo;s conditions. Notwithstanding the foregoing, no failure or delay by the Company or the Purchasers
in exercising any right hereunder shall operate as a waiver thereof, nor shall any single or partial exercise thereof preclude
any other or further exercise thereof or the exercise of any other right hereunder. Any agreement on the part of a party hereto
to any such extension or waiver shall be valid only if set forth in an instrument in writing signed on behalf of such party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;7.03<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Assignment</U>. Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned, in
whole or in part, by operation of Law or otherwise, by any of the parties hereto without the prior written consent of the other
party hereto<FONT STYLE="font-family: Times New Roman, Times, Serif">; </FONT><U>provided</U> that (a)&nbsp;the Purchasers or a
Purchaser Party may assign its rights, interests and obligations under this Agreement, in whole or in part, to (i) one or more
of their respective Affiliates or one or more cedants that have entered into a reinsurance relationship with any Purchaser Party
or any Affiliate thereof, (ii) any fund, insurance company or other entity managed or advised by the investment advisor (or one
or more Affiliates thereof) to any Purchaser Party, or (iii) any beneficiary under a trust agreement in which the investment advisor
(or an Affiliate thereof) to any Purchaser Party is also the investment advisor or asset manager of the grantor under such trust
agreement, (b) no such assignment shall relieve the Purchasers of their obligations hereunder, (c) in the event of any permitted
assignment, the assignee shall agree in writing to be bound by the provisions of this Agreement, included the rights, interests
and obligations so assumed, and (d) any assignment of rights, interests or obligations pursuant to this <U>Section 7.03</U> shall
not be to a Competitor. Subject to the immediately preceding sentence, this Agreement shall be binding upon, inure to the benefit
of, and be enforceable by the parties hereto and their respective successors and permitted assigns.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;7.04<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Counterparts</U>. This Agreement may be executed in one or more counterparts (including by facsimile or electronic mail),
each of which shall be deemed to be an original but all of which taken together shall constitute one and the same agreement, and
shall become effective when one or more counterparts have been signed by each of the parties hereto and delivered to the other
parties hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;7.05<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Entire Agreement<FONT STYLE="font-family: Times New Roman, Times, Serif">; </FONT>No Third-Party Beneficiaries<FONT STYLE="font-family: Times New Roman, Times, Serif">;
</FONT>No Recourse</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>This Agreement, together the Registration Rights Agreement and the Warrants constitutes the entire agreement and supersedes
all other prior agreements and understandings, both written and oral, among the parties and their Affiliates, or any of them, with
respect to the subject matter hereof and thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Except as expressly provided for in <U>Section 5.06(f)</U> no provision of this Agreement shall confer upon any Person other
than the parties hereto and their permitted assigns any rights or remedies hereunder. This Agreement may only be enforced against,
and any claims or causes of action that may be based upon, arise out of or relate to this Agreement, or the negotiation, execution
or performance of this Agreement may only be made against the entities that are expressly identified as parties hereto, including
entities that become parties hereto after the date hereof or that agree in writing for the benefit of the Company to be bound by
the terms of this Agreement applicable to the Purchaser Parties, and no former, current or future equityholders, controlling persons,
directors, officers, employees, agents or Affiliates of any party hereto or any former, current or future equityholder, controlling
person, director, officer, employee, general or limited partner, member, manager, advisor, agent or Affiliate of any of the foregoing
(each, a &ldquo;<U>Non-Recourse Party</U>&rdquo;) shall have any liability for any obligations or liabilities of the parties to
this Agreement or for any claim (whether in tort, contract or otherwise) based on, in respect of, or by reason of, the transactions
contemplated hereby or in respect of any representations made or alleged to be made in connection herewith. Without limiting the
rights of any party against the other parties hereto, in no event shall any party or any of its Affiliates seek to enforce this
Agreement against, make any claims for breach of this Agreement against, or seek to recover monetary damages from any Non-Recourse
Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;7.06<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Governing Law<FONT STYLE="font-family: Times New Roman, Times, Serif">; </FONT>Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>This Agreement shall be governed by, and construed in accordance with, the laws of the State of New York applicable to contracts
executed in and to be performed entirely within that State, regardless of the laws that might otherwise govern under any applicable
conflict of Laws principles.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>All actions arising out of or relating to this Agreement shall be heard and determined in any court located in New York
State or federal court sitting in the Borough of Manhattan in the City of New York (or, if such court lacks subject matter jurisdiction,
in any appropriate New York State or federal court) and the parties hereto hereby irrevocably submit to the exclusive jurisdiction
and venue of such courts in any action and irrevocably waive the defense of an inconvenient forum or lack of jurisdiction to the
maintenance of any such action. The consents to jurisdiction and venue set forth in this <U>Section&nbsp;7.06</U> shall not constitute
general consents to service of process in the State of New York and shall have no effect for any purpose except as provided in
this paragraph and shall not be deemed to confer rights on any Person other than the parties hereto. Each party hereto agrees that
service of process upon such party in any action arising out of or relating to this Agreement shall be effective if notice is given
by overnight courier at the address set forth in <U>Section&nbsp;7.09</U> of this Agreement. The parties hereto agree that a final
judgment in any such action shall be conclusive and may be enforced in other jurisdictions by suit on the judgment or in any other
manner provided by applicable Law<FONT STYLE="font-family: Times New Roman, Times, Serif">; </FONT><U>provided</U>, <U>however</U>,
that nothing in the foregoing shall restrict any party&rsquo;s rights to seek any post-judgment relief regarding, or any appeal
from, a final trial court judgment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;7.07<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Specific Enforcement</U>. The parties hereto agree that irreparable damage for which monetary relief, even if available,
would not be an adequate remedy, would occur in the event that the parties hereto do not perform the provisions of this Agreement
in accordance with its specified terms or otherwise breach such provisions. Accordingly the parties acknowledge and agree that
the parties shall be entitled to an injunction or injunctions, specific performance or other equitable relief to prevent breaches
of this Agreement and to enforce specifically the terms and provisions hereof in the courts without proof of damages or otherwise,
this being in addition to any other remedy to which they are entitled under this Agreement and&nbsp;this right of specific enforcement
is an integral part of the Transactions and without that right, the parties would not have entered into this Agreement. The parties
agree not to assert that a remedy of specific enforcement is unenforceable, invalid, contrary to Law or inequitable for any reason,
and agree not to assert that a remedy of monetary damages would provide an adequate remedy or that the parties otherwise have an
adequate remedy at law. The parties acknowledge and agree that any party shall not be required to provide any bond or other security
in connection with its pursuit of an injunction or injunctions to prevent breaches of this Agreement and to enforce specifically
the terms and provisions hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;7.08<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>WAIVER OF JURY TRIAL</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY THAT MAY ARISE UNDER THIS AGREEMENT
IS LIKELY TO INVOLVE COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE IT HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE FULLEST
EXTENT PERMITTED BY APPLICABLE LAW, ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION DIRECTLY OR INDIRECTLY
ARISING OUT OF OR RELATING TO THIS AGREEMENT AND ANY OF THE AGREEMENTS DELIVERED IN CONNECTION HEREWITH OR THE TRANSACTIONS CONTEMPLATED
HEREBY OR THEREBY. EACH PARTY CERTIFIES AND ACKNOWLEDGES THAT (A)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY
HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT, IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING
WAIVER, (B)&nbsp;IT UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF SUCH WAIVER, (C)&nbsp;IT MAKES SUCH WAIVER VOLUNTARILY AND
(D)&nbsp;IT HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVER AND CERTIFICATIONS IN THIS
<U>SECTION 7.08</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;7.09<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Notices</U>. All notices, requests and other communications to any party hereunder shall be in writing and shall be deemed
given if delivered personally, by facsimile (which is confirmed), emailed (which is confirmed) or sent by overnight courier (providing
proof of delivery) to the parties at the following addresses:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>If to the Company, to it at:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">MFA Financial, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">350 Park Avenue, 20th Floor</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">New York, New York 10022</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Attn: &nbsp;&nbsp;&nbsp;General Counsel</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Phone: 212-207-6454</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Email: Hschwartz@mfafinancial.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.3in; text-indent: 0.5in">&nbsp;&nbsp;&nbsp;legal@mfafinancial.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">with a copy (which shall not constitute notice) to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Skadden, Arps, Slate, Meagher &amp; Flom LLP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">One Manhattan West</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">New York, New York 10001</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 15%; font: 10pt Times New Roman, Times, Serif; padding-left: 1.5in"><FONT STYLE="font-size: 10pt">Attn:</FONT></TD>
    <TD STYLE="width: 85%; font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">David J.
    Goldschmidt</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 0.5in; padding-left: 1.5in"></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Thomas Greenberg</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 1.5in"><FONT STYLE="font-size: 10pt">Phone:</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">(212) 735-3574</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 1.5in"><FONT STYLE="font-size: 10pt">Fax:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(917) 777-3574</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 1.5in"><FONT STYLE="font-size: 10pt">Email:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">David.Goldschmidt@skadden.com</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 1.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Thomas.Greenberg@skadden.com</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>If to the Apollo Purchaser at:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Omaha Equity Aggregator, L.P.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">c/o Apollo Global Management, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">9 West 57th Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">New York, NY 10019</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Attn: &nbsp;&nbsp;&nbsp;Joseph Glatt</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Phone: (212) 822-0456</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Email:&nbsp;&nbsp;jglatt@apollo.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.3in; text-indent: 0.5in">&nbsp;&nbsp;&nbsp;ProjectOmahaNotices@Apollo.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">with a copy (which shall not constitute notice) to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Sidley Austin LLP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">787 Seventh Avenue</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">New York, NY 10019</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Attn: &nbsp;&nbsp;Adam Weinstein</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.3in; text-indent: 0.5in">&nbsp;&nbsp;&nbsp;Daniel Serota</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Phone: (212) 839-5371</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Fax:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(212) 839-5599</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Email:&nbsp;&nbsp;AWeinstein@sidley.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.3in; text-indent: 0.5in">&nbsp;&nbsp;&nbsp;&nbsp;Dserota@sidley.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>If to the Athene Purchaser at:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Athene USA Corporation</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">c/o Apollo Insurance Solutions Group LP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">2121 Rosecrans Avenue</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Suite 5300</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">El Segundo, California 90245</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Attn:&nbsp; &nbsp;&nbsp;Matt O&rsquo;Mara</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Phone:&nbsp;310-698-4414&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Email:&nbsp; ISG-fundnotices@apollo.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.2in; text-indent: 0.5in">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Momara@apollo.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">with a copy (which shall not constitute notice) to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Sidley Austin LLP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">787 Seventh Avenue</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">New York, NY 10019</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Attn: &nbsp;&nbsp;&nbsp;Adam Weinstein</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.2in; text-indent: 0.5in">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Daniel Serota</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Phone: (212) 839-5371</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Fax:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(212) 839-5599</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Email:&nbsp;&nbsp;&nbsp;AWeinstein@sidley.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.3in; text-indent: 0.5in">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dserota@sidley.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">or such other address, email address or
facsimile number as such party may hereafter specify by like notice to the other parties hereto. All such notices, requests and
other communications shall be deemed received on the date of actual receipt by the recipient thereof if received prior to 5:00&nbsp;p.m.
local time in the place of receipt and such day is a Business Day in the place of receipt. Otherwise, any such notice, request
or communication shall be deemed not to have been received until the next succeeding Business Day in the place of receipt.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;7.10<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Severability</U>. If any term, condition or other provision of this Agreement is determined by a court of competent jurisdiction
to be invalid, illegal or incapable of being enforced by any rule of Law or public policy, all other terms, provisions and conditions
of this Agreement shall nevertheless remain in full force and effect. Upon such determination that any term, condition or other
provision is invalid, illegal or incapable of being enforced, the parties hereto shall negotiate in good faith to modify this Agreement
so as to effect the original intent of the parties as closely as possible to the fullest extent permitted by applicable Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;7.11<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Expenses</U>. The Purchasers shall be entitled to receive, whether the transactions contemplated hereby are consummated
or this Agreement is terminated, reimbursement for all reasonable and documented out-of-pocket fees and expenses, including reasonable
travel expenses, incurred through the Closing in connection with the Transactions (including reasonable and documented fees, charges
and disbursements of the Purchasers&rsquo; outside accountants, consultants and attorneys) (collectively, &ldquo;<U>Expenses</U>&rdquo;)
that are invoiced to the Company promptly following the Closing Date, up to a maximum amount of $1,500,000, including reimbursements
by the Company made under the New Credit Agreement for expenses incurred at or prior to the Closing; <U>provided</U>, that the
parties agree that reimbursement of Expenses shall not limit the Parties ability to seek monetary damages, specific performance
or other equitable relief in connection with the Company&rsquo;s breach of any representations, warranty or covenant hereunder.
To the extent invoiced to the Company prior to the Closing Date, the Company shall pay such fees and expenses at the Closing. Subject
to the foregoing, and except as otherwise expressly provided in this Agreement, all costs and expenses, including fees and disbursements
of counsel, financial advisors and accountants, incurred in connection with this Agreement and the Transactions shall be paid by
the party incurring such costs and expenses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section&nbsp;7.12<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Interpretation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>When a reference is made in this Agreement to an Article, a Section, Exhibit or Schedule, such reference shall be to an
Article of, a Section of, or an Exhibit or Schedule to this Agreement unless otherwise indicated. The table of contents and headings
contained in this Agreement are for reference purposes only and shall not affect in any way the meaning or interpretation of this
Agreement. Whenever the words &ldquo;<U>include</U>,&rdquo; &ldquo;<U>includes</U>&rdquo; or &ldquo;<U>including</U>&rdquo; are
used in this Agreement, they shall be deemed to be followed by the words &ldquo;<U>without limitation</U>.&rdquo; The words &ldquo;<U>hereof</U>,&rdquo;
 &ldquo;<U>herein</U>&rdquo; and &ldquo;<U>hereunder</U>&rdquo; and words of similar import when used in this Agreement shall refer
to this Agreement as a whole and not to any particular provision of this Agreement unless the context requires otherwise. The words
 &ldquo;<U>date hereof</U>&rdquo; when used in this Agreement shall refer to the date of this Agreement. The terms &ldquo;<U>or</U>,&rdquo;
 &ldquo;<U>any</U>&rdquo; and &ldquo;<U>either</U>&rdquo; are not exclusive. The word &ldquo;<U>extent</U>&rdquo; in the phrase
 &ldquo;<U>to the extent</U>&rdquo; shall mean the degree to which a subject or other thing extends, and such phrase shall not mean
simply &ldquo;<U>if</U>.&rdquo; The word &ldquo;<U>will</U>&rdquo; shall be construed to have the same meaning and effect as the
word &ldquo;<U>shall</U>.&rdquo; The words &ldquo;<U>made available to the Purchaser</U>&rdquo; and words of similar import refer
to documents (A)&nbsp;posted to a diligence website by or on behalf of the Company and made available to the Purchaser or its Representatives
or (B)&nbsp;delivered in Person or electronically to the Purchaser or its Representatives. All terms defined in this Agreement
shall have the defined meanings when used in any document made or delivered pursuant hereto unless otherwise defined therein. The
definitions contained in this Agreement are applicable to the singular as well as the plural forms of such terms and to the masculine
as well as to the feminine and neuter genders of such term. Any agreement, instrument or statute defined or referred to herein
or in any agreement or instrument that is referred to herein means such agreement, instrument or statute as from time to time amended,
modified or supplemented, including (in the case of agreements or instruments) by waiver or consent and (in the case of statutes)
by succession of comparable successor statutes and references to all attachments thereto and instruments incorporated therein.
Unless otherwise specifically indicated, all references to &ldquo;<U>dollars</U>&rdquo; or &ldquo;<U>$</U>&rdquo; shall refer to
the lawful money of the United States. References to a Person are also to its permitted assigns and successors. When calculating
the period of time between which, within which or following which any act is to be done or step taken pursuant to this Agreement,
the date that is the reference date in calculating such period shall be excluded (unless otherwise required by Law, if the last
day of such period is not a Business Day, the period in question shall end on the next succeeding Business Day).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="color: windowtext">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></FONT>The parties hereto have participated jointly in the negotiation and drafting of this Agreement, and in the event
an ambiguity or question of intent or interpretation arises, this Agreement shall be construed as jointly drafted by the parties
hereto and no presumption or burden of proof shall arise favoring or disfavoring any party hereto by virtue of the authorship of
any provision of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Remainder of Page Intentionally Left
Blank</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF,
the parties hereto have caused this Agreement to be duly executed and delivered as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>MFA FINANCIAL, INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1pt; width: 5%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By: </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 45%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Harold E. Schwartz</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; width: 50%">&nbsp;</TD>
    </TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Name:</FONT></TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Harold E. Schwartz</FONT></TD>
    <TD>&nbsp;</TD>
    </TR>
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Senior Vice President, <FONT STYLE="font: 10pt Times New Roman, Times, Serif">General Counsel and Secretary</FONT></FONT></TD>
    <TD>&nbsp;</TD>
    </TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: -1in"><B>OMAHA EQUITY AGGREGATOR, L.P.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">By: AP Omaha Advisors, LLC, its general partner</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">By: Apollo Hybrid Value Advisors, L.P., its sole member</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">By: Apollo Hybrid Value Capital Management, LLC, its general
partner</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">/s/ Joseph D. Glatt</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 3%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 4%">Name:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 43%">Joseph D. Glatt</TD>
    <TD STYLE="width: 50%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Title:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Vice President</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">[<I>Signature Page to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>ATHENE USA CORPORATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">By: Apollo Insurance Solutions Group LP, its investment adviser</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">By:&nbsp; AISG GP Ltd., its General Partner</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 45%">/s/ Matthew S. O&rsquo;Mara</TD>
    <TD STYLE="width: 50%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Name:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Matthew S. O&rsquo;Mara</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Title:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Authorized Signatory</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">[<I>Signature Page to Investment Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white"><B>ANNEX
A-1</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">Form
of Warrant (Apollo Tranche I Warrant)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white"><B>ANNEX
A-2</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">Form
of Warrant (Apollo Tranche II Warrant)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white"><B>ANNEX
A-3</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">Form
of Warrant (Athene Tranche I Warrant)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;&nbsp;</P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white"><B>ANNEX
A-4</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">Form
of Warrant (Athene Tranche II Warrant)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;&nbsp;</P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white"><B>ANNEX
B</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">Ownership
Limit Waiver</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;&nbsp;</B></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white"><B>ANNEX
C</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white">Registration
Rights Agreement</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.3
<SEQUENCE>4
<FILENAME>tm2023506d1_ex10-3.htm
<DESCRIPTION>EXHIBIT 10.3
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 10.3</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><I>EXECUTION VERSION</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">REGISTRATION RIGHTS AGREEMENT</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">by and between</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">MFA FINANCIAL, INC.,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">OMAHA EQUITY AGGREGATOR,
L.P.,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">ATHENE USA CORPORATION,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Athene
Annuity &amp; Life Assurance Company</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Athene
Annuity and Life Company</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Dated as of June 26, 2020</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<!-- Field: Page; Sequence: 1 -->
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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>TABLE OF CONTENTS</U></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">PAGE</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center">ARTICLE I</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center">Resale Shelf Registration</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">&nbsp;</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="width: 95%; text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 1.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Resale Shelf Registration Statement</TD>
    <TD STYLE="width: 5%; text-align: right; padding-top: 0in; padding-bottom: 3pt">1</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 1.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Effectiveness Period</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">2</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 1.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subsequent Shelf Registration Statement</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">2</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 1.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Supplements and Amendments</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">2</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 1.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subsequent Holder Notice</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">2</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 1.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shelf Take-Downs</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">3</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 1.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Piggyback Registration</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">4</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center">ARTICLE II</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center">Demand Registration Rights</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 2.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Right to Demand Registrations</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">5</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 2.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Number of Demand Registrations</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">6</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 2.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Underwritten Offerings Pursuant to Demand Registrations</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">6</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 2.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Withdrawal</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">6</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center">ARTICLE III</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center">Additional Provisions Regarding Registration Rights</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 3.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Registration Procedures</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">7</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 3.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Suspension</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">10</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 3.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Expenses of Registration</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">11</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 3.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cooperation by Holders</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">11</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 3.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Rule&nbsp;144 Reporting</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">11</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 3.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Holdback Agreement</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">11</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center"><FONT STYLE="text-transform: uppercase">Article</FONT> IV</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center">Indemnification</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 4.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Indemnification by Company</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">12</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 4.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Indemnification by Holders</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">13</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 4.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notification</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">13</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 4.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Contribution</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">14</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center"><FONT STYLE="text-transform: uppercase">Article</FONT> V</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center">Transfer and Termination of Registration Rights</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt; width: 95%">Section 5.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Transfer of Registration Rights</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt; width: 5%">15</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 5.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Termination of Registration Rights</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">15</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center"><FONT STYLE="text-transform: uppercase">Article</FONT> VI</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center">Miscellaneous</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 6.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amendments and Waivers</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">15</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 6.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Extension of Time, Waiver, Etc.</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">15</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 6.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assignment</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">16</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 6.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Counterparts</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">16</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 6.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Entire Agreement; No Third Party Beneficiary</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">16</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 6.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Governing Law; Jurisdiction</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">16</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 6.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Waiver of Jury Trial</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">16</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 6.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notices</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">17</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 6.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Severability</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">18</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 6.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Expenses</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">18</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 6.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interpretation</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">19</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 3pt">Section 6.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchasers</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 3pt">19</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>REGISTRATION RIGHTS AGREEMENT</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">This REGISTRATION RIGHTS
AGREEMENT (this &ldquo;<U>Agreement</U>&rdquo;) is entered into as of June 26, 2020 (this &ldquo;<U>Agreement</U>&rdquo;), by and
between MFA Financial, Inc., a Maryland corporation (the &ldquo;<U>Company</U>&rdquo;), Omaha Equity Aggregator, L.P., a Delaware
limited partnership (the &ldquo;<U>Apollo Purchaser</U>&rdquo;), Athene USA Corporation, an Iowa corporation (the &ldquo;<U>Athene
USA Purchaser</U>&rdquo;), Athene Annuity &amp; Life Assurance Company, a Delaware corporation (the &ldquo;<U>Athene Annuity &amp;
Life Assurance Purchaser</U>&rdquo;) and Athene Annuity and Life Company, an Iowa corporation (the &ldquo;<U>Athene Annuity and
Life Company Purchaser</U>&rdquo; and, together with the Athene Annuity &amp; Life Assurance Purchaser, the &ldquo;<U>Athene Purchasers</U>&rdquo;
and, together with the Apollo Purchaser, the &ldquo;<U>Purchasers</U>,&rdquo; and the Purchasers with any Permitted Transferees
(hereinafter defined), the &ldquo;<U>Investor Group</U>&rdquo;). Capitalized terms used but not defined elsewhere herein are defined
in <U>Exhibit&nbsp;A</U>. The Purchasers and any other party that may become a party hereto pursuant to <U>Section&nbsp;5.1</U>
are referred to collectively as the &ldquo;<U>Investors</U>&rdquo; and individually each as an &ldquo;<U>Investor</U>&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">WHEREAS, the Company
and the Purchasers are parties to the Investment Agreement, dated as of June&nbsp;15, 2020 (as it may be amended from time to time,
the &ldquo;<U>Investment Agreement</U>&rdquo;), pursuant to which the Company is selling to the Purchasers, and the Purchasers
are purchasing from the Company, (a)&nbsp;such number of shares representing 4.9% of the Company&rsquo;s outstanding common stock,
par value $0.01 per share (&ldquo;<U>Common Stock</U>&rdquo;) as of the Closing Date (as defined in the Investment Agreement) or
such number of shares of Common Stock as the Purchasers acquire using $50&nbsp;million, whichever is less, over a twelve (12) month
period (which may be extended pursuant to the terms of the Investment Agreement) following the announcement of the transaction
(the &ldquo;<U>New Shares</U>&rdquo;), and (b)&nbsp;warrants to purchase 37,039,106 shares (subject to adjustment in accordance
with their terms) of Common Stock (the &ldquo;<U>Warrants</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">WHEREAS, as a condition
to the obligations of the Company and the Purchasers under the Investment Agreement, the Company and the Purchasers are entering
into this Agreement for the purpose of granting certain registration rights to the Investors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">NOW, THEREFORE, in consideration
of the mutual covenants and agreements contained in this Agreement, the receipt and sufficiency of which are hereby acknowledged,
the parties to this Agreement hereby agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article
I</FONT><U><BR>
<BR>
Resale Shelf Registration</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 1.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Resale Shelf Registration Statement</U>. Subject to the other applicable provisions of this Agreement, the Company shall
use its commercially reasonable efforts to prepare, file and cause to be declared effective, no later than ninety (90) calendar
days following the date of this Agreement, a registration statement covering the sale or distribution from time to time by the
Holders, on a delayed or continuous basis pursuant to Rule&nbsp;415 of the Securities Act, of all of the Registrable Securities
on Form&nbsp;S-3 (except if the Company is not eligible as of such ninetieth day after the date of this Agreement to register for
resale the Registrable Securities on Form&nbsp;S-3 or would not be eligible to use such Form S-3 to resell all of the Registrable
Securities, then the Company shall use its commercially reasonable efforts to prepare, file and cause to be declared effective,
no later than ninety (90) calendar days following the date of this Agreement, a registration statement on another appropriate form
which shall provide for the registration of such Registrable Securities for resale by the Holders in accordance with any reasonable
method of distribution elected by the Holders) (any such registration statement, the &ldquo;<U>Resale Shelf Registration Statement</U>&rdquo;),
(it being agreed that the Resale Shelf Registration Statement shall be an automatic shelf registration statement that may become
effective upon filing with the SEC pursuant to Rule&nbsp;462(e) if Rule&nbsp;462(e) is then available to the Company).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 1.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Effectiveness Period</U>. Once declared effective, the Company shall, subject to the other applicable provisions of this
Agreement, use its commercially reasonable efforts to cause the Resale Shelf Registration Statement to be continuously effective
and usable until such time as there are no longer any Registrable Securities (the &ldquo;<U>Effectiveness Period</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 1.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Subsequent Shelf Registration Statement</U>. If any Shelf Registration Statement ceases to be effective under the Securities
Act for any reason at any time during the Effectiveness Period, the Company shall use its commercially reasonable efforts to promptly
cause such Shelf Registration Statement to again become effective under the Securities Act (including obtaining the prompt withdrawal
of any order suspending the effectiveness of such Shelf Registration Statement), and shall use its commercially reasonable efforts
to promptly amend such Shelf Registration Statement in a manner reasonably expected to result in the withdrawal of any order suspending
the effectiveness of such Shelf Registration Statement or file an additional registration statement (a &ldquo;<U>Subsequent Shelf
Registration Statement</U>&rdquo;) for an offering to be made on a delayed or continuous basis pursuant to Rule&nbsp;415 of the
Securities Act registering the resale from time to time by the Holders thereof of all securities that are Registrable Securities
as of the time of such filing. If a Subsequent Shelf Registration Statement is filed, the Company shall use its commercially reasonable
efforts to (a)&nbsp;cause such Subsequent Shelf Registration Statement to become effective under the Securities Act promptly after
the filing thereof (it being agreed that the Subsequent Shelf Registration Statement shall be an automatic shelf registration statement
that shall become effective upon filing with the SEC pursuant to Rule&nbsp;462(e) if Rule&nbsp;462(e) is then available to the
Company) and (b)&nbsp;keep such Subsequent Shelf Registration Statement continuously effective and usable until the end of the
Effectiveness Period. Any such Subsequent Shelf Registration Statement shall be a registration statement on Form&nbsp;S-3 to the
extent that the Company is eligible to use such form. Otherwise, such Subsequent Shelf Registration Statement shall be on another
appropriate form and shall provide for the registration of such Registrable Securities for resale by the Holders in accordance
with any reasonable method of distribution elected by the Holders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 1.4<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Supplements and Amendments</U>. The Company shall supplement and amend any Shelf Registration Statement if required by
the Securities Act or the rules, regulations or instructions applicable to the registration form used by the Company for such Shelf
Registration Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 1.5<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Subsequent Holder Notice</U>. If a Person entitled to the benefits of this Agreement becomes a Holder of Registrable
Securities after a Shelf Registration Statement becomes effective under the Securities Act, the Company shall, promptly, following
delivery of written notice to the Company of such Person becoming a Holder and requesting for its name to be included as a selling
securityholder in the prospectus related to the Shelf Registration Statement (a &ldquo;<U>Subsequent Holder Notice</U>&rdquo;):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>if required and permitted by applicable law, file with the SEC a supplement to the related prospectus or a post-effective
amendment to the Shelf Registration Statement so that such Holder is named as a selling securityholder in the Shelf Registration
Statement and the related prospectus in such a manner as to permit such Holder to deliver a prospectus to purchasers of the Registrable
Securities in accordance with applicable law; <I>provided</I> that the Company shall not be required to file more than one post-effective
amendment or a supplement to the related prospectus for such period in any 45 day period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>if, pursuant to <U>Section&nbsp;1.5(a)</U>, the Company shall have filed a post-effective amendment to the Shelf Registration
Statement that is not automatically effective, use its commercially reasonable efforts to cause such post-effective amendment to
become promptly effective under the Securities Act; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>promptly notify such Holder after the effectiveness under the Securities Act of any post-effective amendment filed pursuant
to <U>Section&nbsp;1.5(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 1.6<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Shelf Take-Downs</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Subject to any applicable restrictions on transfer in the Investment Agreement or under applicable law, at any time that
any Shelf Registration Statement is effective, if a Holder delivers a notice to the Company stating that it intends to effect a
sale or distribution of all or part of its Registrable Securities included by it on any Shelf Registration Statement (a &ldquo;<U>Shelf
Offering</U>&rdquo;) and stating the number of the Registrable Securities to be included in such Shelf Offering, then the Company
shall, subject to the other applicable provisions of this Agreement, amend or supplement the Shelf Registration Statement as may
be necessary in order to enable such Registrable Securities to be sold and distributed pursuant to the Shelf Offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Subject to any applicable restrictions on transfer in the Investment Agreement or under applicable law, a Holder may, after
any Shelf Registration Statement becomes effective, deliver a written notice to the Company (the &ldquo;<U>Underwritten Shelf Take-Down
Notice</U>&rdquo;) specifying that a Shelf Offering is intended to be conducted through an Underwritten Offering (such Underwritten
Offering, an &ldquo;<U>Underwritten Shelf Take-Down</U>&rdquo;), which shall specify the number of Registrable Securities intended
to be included in such Underwritten Shelf Take-Down; <I>provided</I>, <I>however</I>, that the Holders of Registrable Securities
may not, without the Company&rsquo;s prior written consent, launch an Underwritten Shelf Take-Down within the period commencing
20&nbsp;days prior to and ending two (2)&nbsp;days following the filing of the Company&rsquo;s annual report on Form 10-K or quarterly
report on Form 10-Q for any fiscal year or quarter, as applicable. To the extent an Underwritten Shelf Take-Down is a Marketed
Underwritten Offering, the Company shall deliver the Underwritten Shelf Take-Down Notice to the other Holders of Registrable Securities
that have been included on such Shelf Registration Statement and permit such Holders to include their Registrable Securities included
on the Shelf Registration Statement in such Underwritten Shelf Take-Down that is a Marketed Underwritten Offering if such Holder
notifies the Holder delivering the Underwritten Shelf Take-Down Notice and the Company within three (3)&nbsp;Business Days after
delivery of the Underwritten Shelf Take-Down Notice to such Holder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>In the event of an Underwritten Shelf Take-Down, the Apollo Purchaser or its Permitted Transferees (the &ldquo;<U>Apollo
Investor Group</U>&rdquo;) (in the case of a Marketed Underwritten Offering, in consultation with other Holders participating in
the Underwritten Shelf Take-Down) shall select the managing underwriter(s) to administer the Underwritten Shelf Take-Down; <I>provided</I>
that the choice of any such managing underwriter(s) not listed on <U>Schedule I</U> shall be subject to the consent of the Company,
which consent may be withheld in the Company&rsquo;s sole discretion. The Company and the Holders of Registrable Securities participating
in an Underwritten Shelf Take-Down will enter into an underwriting agreement in customary form with the managing underwriter or
underwriters selected for such offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company will not include in any Underwritten Shelf Take-Down pursuant to this <U>Section&nbsp;1.6</U> any securities
that are not Registrable Securities without the prior written consent of the Holder(s) of a majority of the Registrable Securities
participating in such Underwritten Shelf Take-Down. In the case of an Underwritten Shelf Take-Down that is a Marketed Underwritten
Offering, if the managing underwriter or underwriters advise the Company and the Holders in writing that in its or their good faith
opinion the number of Registrable Securities (and, if permitted hereunder, other securities) requested to be included in such offering
exceeds the number of securities which can be sold in such offering in light of market conditions or is such so as to adversely
affect the success of such offering, the Company will include in such offering only such number of securities that can be sold
without adversely affecting the marketability of the offering, which securities will be so included in the following order of priority:
(i)&nbsp;first, the Registrable Securities of the Holders that have requested to participate in such Underwritten Shelf Take-Down
that is a Marketed Underwritten Offering, allocated <I>pro&nbsp;rata </I>among such Holders on the basis of the percentage of the
Registrable Securities owned by such Holders, and (ii)&nbsp;second, any other securities of the Company that have been requested
to be so included.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 1.7<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Piggyback Registration</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Except with respect to a Demand Registration (as defined below), the procedures for which are addressed in <U>Article&nbsp;II</U>,
if the Company proposes to file a registration statement under the Securities Act with respect to an offering of Common Stock or
securities convertible into, or exchangeable or exercisable for, Common Stock, whether or not for sale for its own account (other
than a registration statement (i)&nbsp;on Form&nbsp;S-4, Form&nbsp;S-8 or any successor forms thereto or (ii)&nbsp;filed to effectuate
an exchange offer or any employee benefit or dividend reinvestment plan), in a manner that would permit registration of the Registrable
Securities for sale for cash to the public under the Securities Act (a &ldquo;<U>General Common Stock Offering</U>&rdquo;), then
the Company shall give prompt written notice of such filing, which notice shall be given, no later than five (5)&nbsp;Business
Days prior to the filing date (the &ldquo;<U>Piggyback Notice</U>&rdquo;) to the Holders of Registrable Securities. The Piggyback
Notice shall offer such Holders the opportunity to include (or cause to be included) in such registration statement the number
of shares of Registrable Securities as each such Holder may request (each, a &ldquo;<U>Piggyback Registration Statement</U>&rdquo;).
Subject to <U>Section&nbsp;1.7(b)</U>, the Company shall include in each Piggyback Registration Statement all Registrable Securities
with respect to which the Company has received written requests for inclusion therein (each, a &ldquo;<U>Piggyback Request</U>&rdquo;)
within three (3)&nbsp;Business Days after the date of the Piggyback Notice; <I>provided</I>, that, if the Company receives an initial
inquiry, offer or advice to consider a General Common Stock Offering to be consummated in less than five (5) Business Days following
such initial inquiry, offer or advice, it shall as promptly as possible, and in any event no later than two (2) Business Days prior
to the filing date, give a Piggyback Notice to the Holders of Registrable Securities, and the Company shall include in each Piggyback
Registration Statement any Piggyback Request received no later than one (1) Business Day prior to the filing date. In the case
of a REIT equity offering or an overnight issuance, the Company will provide a Piggyback Notice to the Holders within two (2) Business
Days of such filing, and shall include the Registrable Securities requested to be included by the Holders in any Piggyback Requests
the Company receives within one (1) Business Day after the date of the Piggyback Notice. The Company shall not be required to maintain
the effectiveness of a Piggyback Registration Statement beyond the earlier of (x)&nbsp;120&nbsp;days after the effective date thereof
and (y)&nbsp;consummation of the distribution by the Holders of the Registrable Securities included in such registration statement.
The Company may withdraw a Piggyback Registration Statement at any time prior to any sales being made pursuant to the Piggyback
Registration Statement without incurring any liability to the Holders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>If any of the securities to be registered pursuant to the registration giving rise to the rights under this <U>Section&nbsp;1.7</U>
are to be sold in an Underwritten Offering, the Company shall use commercially reasonable efforts to cause the managing underwriter
or underwriters of a proposed Underwritten Offering to permit Holders of Registrable Securities who have timely submitted a Piggyback
Request in connection with such offering to include in such offering all Registrable Securities included in each Holder&rsquo;s
Piggyback Request on the same terms and subject to the same conditions as any other shares of capital stock, if any, of the Company
included in the Underwritten Offering. Notwithstanding the foregoing, if the managing underwriter or underwriters of such offering
advise the Company in writing that in its or their good faith opinion the number of securities exceeds the number of securities
which can be sold in such offering in light of market conditions or is such so as to adversely affect the success of such offering,
the Company will include in such Underwritten Offering only such number of securities that can be sold without adversely affecting
the marketability of the offering, which securities will be so included in the following order of priority: (i)&nbsp;first, the
securities proposed to be sold by the Company for its own account and (ii)&nbsp;second, the Registrable Securities of the Holders
and any other persons with piggyback registration rights who have the right to participate and that have requested to participate
in such offering, allocated <I>pro&nbsp;rata </I>among the selling shareholders according to the total amount of securities entitled
to be included therein owned by each selling shareholder and its Affiliates (other than the Company) or in such other proportions
as shall mutually be agreed to by such selling shareholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article
II</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase"></FONT><U>Demand Registration Rights</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 2.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Right to Demand Registrations</U>. Subject to any applicable restrictions on transfer in the Investment Agreement or
under applicable law, a Holder may, following the one year anniversary of the date of this Agreement (but only if there is no Shelf
Registration Statement then in effect covering all of the Registrable Securities held by such Holder of the class of securities
sought to be registered), request, by providing written notice to the Company, that the Company effect the registration under the
Securities Act of all or part of the Registrable Securities (a &ldquo;<U>Demand Registration</U>&rdquo;). Each request for a Demand
Registration (a &ldquo;<U>Demand Registration Request</U>&rdquo;) shall specify the number of Registrable Securities intended to
be offered and sold pursuant to the Demand Registration and the intended method of distribution thereof, including whether it is
intended to be an Underwritten Offering. Promptly after receipt of a Demand Registration Request, the Company shall, subject to
<U>Section&nbsp;2.3</U>, use commercially reasonable efforts to register all Registrable Securities that have been requested to
be registered in the Demand Registration Request. Promptly (but in no event later than five (5)&nbsp;Business Days) after receipt
by the Company of a Demand Registration Request, the Company shall give written notice of such Demand Registration Request to all
other Holders and shall include in such Demand Registration all Registrable Securities with respect to which the Company received
written requests for inclusion therein within fifteen (15)&nbsp;Business Days after the delivery of such notice to such Holder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 2.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Number of Demand Registrations</U>. The Investor Group shall be entitled to deliver up to three (3)&nbsp;Demand Registration
Requests in the aggregate for the registration of offers of the Registrable Securities held by members of the Investor Group. At
any time that any of the three (3) Demand Registration Requests are desired to be made, whichever of the Athene Purchasers and
their Permitted Transferees (the &ldquo;<U>Athene Purchaser Group</U>&rdquo;) and the Apollo Investor Group that holds the majority
of the Common Shares of the Company (the &ldquo;<U>Demand Registration Requestor</U>&rdquo;), in consultation with the Investor
holding the minority of the Common Shares of the Company (the &ldquo;<U>Piggyback Requestor</U>&rdquo;), shall provide the Piggyback
Requestor with (3) Business Days notice before submitting the Demand Registration Request to the Company and the Piggyback Requestor
will be able to request inclusion of its Registrable Securities in any such Demand Registration by providing the Demand Registration
Requestor with a written request for inclusion therein within three (1) Business Day after the date of receiving notice of such
Demand Registration. For the avoidance of doubt, all such Demand Registration Requests shall be separate from the Shelf Registration
Statement, Shelf Offerings and Underwritten Shelf Take-Downs pursuant to <U>Article&nbsp;I</U>).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 2.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Underwritten Offerings Pursuant to Demand Registrations</U>. In the event of an Underwritten Offering pursuant to a Demand
Registration, the Apollo Investor Group (in consultation with other Holders participating in such Underwritten Offering) shall
select the managing underwriter(s) to administer such Underwritten Offering; <I>provided</I> that the choice of any such managing
underwriter(s) not listed on <U>Schedule I</U> shall be subject to the consent of the Company, which consent may be withheld in
the Company&rsquo;s sole discretion. If the managing underwriter or underwriters advise the Company and the Holders in writing
that in its or their good faith opinion the number of Registrable Securities (and, if permitted hereunder, other securities) requested
to be included in such offering exceeds the number of securities which can be sold in such offering in light of market conditions
or is such so as to adversely affect the success of such offering, the Company will include in such offering only such number of
securities that can be sold without adversely affecting the marketability of the offering, which securities will be so included
in the following order of priority: (i)&nbsp;first, the Registrable Securities of the Holders that have requested to participate
in such Underwritten Offering, allocated <I>pro&nbsp;rata </I>among such Holders on the basis of the percentage of the Registrable
Securities owned by such Holders, and (ii)&nbsp;second, any other securities of the Company to be sold for its account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 2.4<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Withdrawal</U>. A Holder may, by written notice to the Company, withdraw its Registrable Securities from a Demand Registration
at any time prior to the effectiveness of the applicable registration statement. Upon receipt of notices from all applicable Holders
to such effect, the Company shall cease all efforts to seek effectiveness of the applicable registration statement with respect
to any Registrable Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article
III</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase"></FONT><U>Additional Provisions Regarding Registration Rights</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 3.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Registration Procedures</U>. Subject to the other applicable provisions of this Agreement, in the case of each registration
of Registrable Securities effected by the Company pursuant to <U>Article&nbsp;I</U> or <U>Article&nbsp;II</U>, the Company will:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>prepare and promptly file with the SEC a registration statement with respect to such securities and use commercially reasonable
efforts to cause such registration statement to become and remain effective for the period of the distribution contemplated thereby,
in accordance with the applicable provisions of this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>prepare and file with the SEC such amendments (including post-effective amendments) and supplements to such registration
statement and the prospectus used in connection with such registration statement as may be necessary to keep such registration
statement effective for the period specified in paragraph&nbsp;(a) above and comply with the provisions of the Securities Act with
respect to the disposition of all securities covered by such registration statement in accordance with the Holders&rsquo; intended
method of distribution set forth in such registration statement for such period;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>furnish
to the Holders copies of the registration statement and the prospectus included therein (including each preliminary prospectus)
proposed to be filed and provide such legal counsel a reasonable opportunity to review and comment on such registration statement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>if requested by the managing underwriter or underwriters, if any, or the Holder(s), promptly include in any prospectus supplement
or post-effective amendment such information as the managing underwriter or underwriters, if any, or the Holder(s) may reasonably
request in order to permit the intended method of distribution of such securities and make all required filings of such prospectus
supplement or post-effective amendment as soon as reasonably practicable after the Company has received such request; <I>provided</I>,
<I>however,</I> that the Company shall not be required to take any actions under this <U>Section&nbsp;3.1(d)</U> that are not,
in the opinion of counsel for the Company, in compliance with applicable law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>in the event that the Registrable Securities are being offered in an Underwritten Offering, furnish to the Holder(s) and
to the underwriters of the securities being registered such reasonable number of copies of the registration statement, preliminary
prospectus and final prospectus as the Holder(s) or such underwriters may reasonably request in order to facilitate the public
offering or other disposition of such securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>promptly notify the Holder(s) at any time when a prospectus relating thereto is required to be delivered under the Securities
Act or of the Company&rsquo;s discovery of the occurrence of any event as a result of which the prospectus included in such registration
statement, as then in effect, includes an untrue statement of a material fact or omits to state a material fact required to be
stated therein or necessary to make the statements therein not misleading or incomplete in the light of the circumstances then
existing, and, subject to <U>Section&nbsp;3.2</U>, at the request of the Holder(s), promptly prepare and furnish to the Holder(s)
a reasonable number of copies of a supplement to or an amendment of such prospectus as may be necessary so that, as thereafter
delivered to the Holder(s) of such securities, such prospectus shall not include an untrue statement of a material fact or omit
to state a material fact required to be stated therein or necessary to make the statements therein not misleading or incomplete
in the light of the circumstances then existing;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>register and qualify (or exempt from such registration or qualification) the securities covered by such registration statement
under such other securities or &ldquo;blue sky&rdquo; laws of such jurisdictions within the United States as shall be reasonably
requested in writing by the Holder(s); <I>provided</I>, <I>however</I>, that the Company shall not be required in connection therewith
or as a condition thereto to qualify to do business in any jurisdictions or file a general consent to service of process in any
such jurisdictions where it would not otherwise be required to qualify but for this subsection;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>in
the event that the Registrable Securities are being offered in an underwritten public offering, enter into an underwriting agreement,
a placement agreement or equivalent agreement, in each case in accordance with the applicable provisions of this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>in connection with an Underwritten Offering, the Company shall cause its officers to use their commercially reasonable efforts
to support the marketing of the Registrable Securities covered by such offering, including but not limited to management presentations
(including &ldquo;electronic road shows&rdquo; in the nature of management presentations) or investor calls to the extent reasonably
necessary to support the proposed sale of Registrable Securities pursuant to such Underwritten Offering (it being understood that
the Company and its officers shall not be obligated to participate in any in-person road show presentations);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(j)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>furnish,
on the date that such Registrable Securities are delivered to the underwriters for sale, if such securities are being sold through
underwriters, (i)&nbsp;an opinion dated such date of the legal counsel representing the Company for the purposes of such registration,
in form and substance as is customarily given to underwriters in an underwritten public offering, addressed to the underwriters,
if any, (ii)&nbsp;a &ldquo;negative assurances letter&rdquo;, dated such date of the legal counsel representing the Company for
the purposes of such registration, in form and substance as is customarily given to underwriters in an underwritten public offering
and (iii)&nbsp;&ldquo;comfort&rdquo; letters dated the date of pricing of such offering and dated such date from the independent
certified public accountants of the Company, in form and substance as is customarily given by independent certified public accountants
to underwriters in an underwritten public offering, addressed to the underwriters;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(k)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>list the Registrable Securities covered by such registration statement with any securities exchange on which the Common
Stock is then listed;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(l)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>provide a transfer agent and registrar for all such Registrable Securities not later than the effective date of such registration
statement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(m)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>in connection with a customary due diligence review, make available for inspection by the Holder(s), any underwriter participating
in any such disposition of Registrable Securities, if any, and any counsel or accountants retained by the Holder(s) or underwriter
(collectively, the &ldquo;<U>Offering Persons</U>&rdquo;), at the offices where normally kept or electronically, during reasonable
business hours, all financial and other records, pertinent corporate documents and properties of the Company and its subsidiaries,
and cause the officers, directors and employees of the Company and its subsidiaries to supply all information and participate in
customary due diligence sessions in each case reasonably requested by any such representative, underwriter, counsel or accountant
in connection with such registration statement and/or offering; <I>provided</I>, <I>however</I>, that any information that is not
generally publicly available at the time of delivery of such information shall be kept confidential by such Offering Persons unless
(i)&nbsp;disclosure of such information is required by court or administrative order or in connection with an audit or examination
by, or a blanket document request from, a regulatory or self-regulatory authority, bank examiner or auditor, (ii)&nbsp;disclosure
of such information, in the reasonable judgment of the Offering Persons, is required by law or applicable legal process (including
in connection with the offer and sale of securities pursuant to the rules and regulations of the SEC), (iii)&nbsp;such information
is or becomes generally available to the public other than as a result of a non-permitted disclosure or failure to safeguard by
such Offering Persons in violation of this Agreement or (iv)&nbsp;such information (A)&nbsp;was known to such Offering Persons
(prior to its disclosure by the Company) from a source other than the Company when such source, to the knowledge of the Offering
Persons, was not bound by any contractual, legal or fiduciary obligation of confidentiality to the Company with respect to such
information, (B)&nbsp;becomes available to the Offering Persons from a source other than the Company when such source, to the knowledge
of the Offering Persons, is not bound by any contractual, legal or fiduciary obligation of confidentiality to the Company with
respect to such information or (C)&nbsp;was developed independently by the Offering Persons or their respective representatives
without the use of, or reliance on, such information provided by the Company. In the case of a proposed disclosure pursuant to
(i) or (ii)&nbsp;above, such Person shall be required to give the Company written notice of the proposed disclosure prior to such
disclosure (except in the case of (ii) above when a proposed disclosure was or is to be made in connection with a registration
statement or prospectus under this Agreement and except in the case of clause&nbsp;(i) above when a proposed disclosure is in connection
with a routine audit or examination by, or a blanket document request from, a regulatory or self-regulatory authority, bank examiner
or auditor);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(n)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>cooperate with the Holder(s) and each underwriter or agent participating in the disposition of Registrable Securities and
their respective counsel in connection with any filings required to be made with FINRA, including the use of commercially reasonable
efforts to obtain FINRA&rsquo;s pre-clearance or pre-approval of the registration statement and applicable prospectus upon filing
with the SEC;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(o)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>promptly notify the Holder(s) (i)&nbsp;when the prospectus or any prospectus supplement or post-effective amendment has
been filed and, with respect to such registration statement or any post-effective amendment, when the same has become effective,
(ii) of any request by the SEC or other federal or state governmental authority for amendments or supplements to such registration
statement or related prospectus or to amend or to supplement such prospectus or for additional information, (iii) of the issuance
by the SEC of any stop order suspending the effectiveness of such registration statement or the initiation of any proceedings for
such purpose, or (iv) of the receipt by the Company of any notification with respect to the suspension of the qualification or
exemption from qualification of any of the Registrable Securities for sale in any jurisdiction, or the initiation or threatening
of any proceeding for such purpose;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(p)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Holders agree that, upon receipt of any notice from the Company of the happening of any event of the kind described
in <U>Section&nbsp;3.1(f)</U>, <U>3.1(o)(ii)</U> or <U>3.1(o)(iii)</U>, the Holders shall discontinue disposition of any Registrable
Securities covered by such registration statement or the related prospectus until receipt of the copies of the supplemented or
amended prospectus, which supplement or amendment shall, subject to the other applicable provisions of this Agreement, be prepared
and furnished as soon as reasonably practicable, or until the Holders are advised in writing by the Company that the use of the
applicable prospectus may be resumed, and have received copies of any amended or supplemented prospectus or any additional or supplemental
filings which are incorporated, or deemed to be incorporated, by reference in such prospectus (such period during which disposition
is discontinued being an &ldquo;<U>Interruption Period</U>&rdquo;) and, if requested by the Company, the Holders shall use commercially
reasonable efforts to return to the Company all copies then in their possession, of the prospectus covering such Registrable Securities
at the time of receipt of such request. As soon as practicable after the Company has determined that the use of the applicable
prospectus may be resumed, the Company will notify the Holders thereof. In the event the Company invokes an Interruption Period
hereunder and in the sole discretion of the Company the need for the Company to continue the Interruption Period ceases for any
reason, the Company shall, as soon as reasonably practicable, provide written notice to the Holders that such Interruption Period
is no longer applicable; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(q)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>shall take all other reasonable steps, at the written request of the Holders, necessary to effect the registration and offer
and sale of the Registrable Securities as required hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 3.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Suspension</U>. (a)&nbsp;The Company shall be entitled, by providing written notice to the Holders, no more than three
(3)&nbsp;times in any twelve (12)&nbsp;month period for a period of time not to exceed ninety (90)&nbsp;days in the aggregate,
to postpone the filing or effectiveness of a registration statement to sell Registrable Securities or to require the Holders of
Registrable Securities to suspend any offerings or sales of Registrable Securities pursuant to a registration statement, if the
Company delivers to the Holders a certificate signed by an executive officer certifying that such registration and offering would
(i)&nbsp;require the Company to make an Adverse Disclosure or (ii)&nbsp;materially interfere with any <I>bona&nbsp;fide </I>material
financing, acquisition, disposition or other similar transaction involving the Company or any of its subsidiaries then under consideration.
Such certificate shall contain a statement of the reasons for such suspension and an approximation of the anticipated length of
such suspension, in accordance with the specifications set forth in this <U>Section&nbsp;3.2</U>. The Purchasers shall keep the
information contained in such certificate confidential subject to the same terms set forth in <U>Section&nbsp;3.1(m)</U>. If the
Company postpones registration of Registrable Securities in response to a Underwritten Shelf Take-Down Notice or a Demand Registration
Request or requires the Holders to suspend any Underwritten Offering, the Purchasers shall be entitled to withdraw such Underwritten
Shelf Take-Down Notice or a Demand Registration Request, as applicable, and if they do so, such request shall not be treated for
any purpose as the delivery of an Underwritten Shelf Take-Down Notice pursuant to <U>Section&nbsp;1.6</U> or a Demand Registration
Request pursuant to <U>Section&nbsp;2.1</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 3.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Expenses of Registration</U>. All Registration Expenses incurred in connection with any registration pursuant to <U>Article&nbsp;I</U>
or <U>Article&nbsp;II</U> shall be borne by the Company. All Selling Expenses in connection with the sale of Registrable Securities
by the Holders of the Registrable Securities shall be borne, pro&nbsp;rata, by such Holders included in such registration.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 3.4<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Cooperation
by Holders</U>. The Holder or Holders of Registrable Securities included in any registration shall, and the Purchasers shall cause
such Holder or Holders to, furnish to the Company the number of shares of Common Stock (or any securities convertible, exchangeable
or exercisable for Common Stock within 60&nbsp;days of any such filing) owned by such Holder or Holders, the number of such Registrable
Securities proposed to be sold, the name and address of such Holder or Holders proposing to sell, and the distribution proposed
by such Holder or Holders as shall be required in connection with any registration, qualification or compliance referred to in
this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 3.5<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Rule&nbsp;144 Reporting</U>. With a view to making available the benefits of Rule&nbsp;144 to the Holders, the Company
agrees that, for so long as a Holder owns Registrable Securities, the Company will use its commercially reasonable efforts to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>make and keep public information available, as those terms are understood and defined in Rule&nbsp;144, at all times after
the date of this Agreement; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>so long as a Holder owns any restricted securities, furnish to the Holder upon request given in accordance with <U>Section&nbsp;6.8</U>
(i)&nbsp;a written statement by the Company as to its compliance with the reporting requirements of the Exchange Act; (ii)&nbsp;a
copy of the most recent periodic report of the Company and any other such reports and documents filed by the Company that may be
requested by the Holder; and (iii)&nbsp;any other such information or documentation as may be requested by a Holder pursuant to
an SEC rule or regulation that permits the sale of securities without registration or pursuant to Form&nbsp;S-3, whichever is applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 3.6<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Holdback Agreement</U>. If the Company shall file a registration statement (other than in connection with the registration
of securities issuable pursuant to an employee stock option, stock purchase or similar plan or pursuant to a merger, exchange offer
or a transaction of the type specified in Rule 145(a) under the Securities Act) with respect to an underwritten public offering
of Common Stock or securities convertible into, or exchangeable or exercisable for, such securities or otherwise informs the Purchasers
that it intends to conduct such an offering utilizing an effective registration statement or pursuant to an underwritten Rule 144A
and/or Regulation S offering and provides the Purchasers and each Holder the opportunity to participate in such offering in accordance
with and to the extent required by <U>Section 1.7</U>, each Holder participating in such offering shall, if requested by the managing
underwriter or underwriters, enter into a customary &ldquo;lock-up&rdquo; agreement relating to the sale, offering or distribution
of Registrable Securities, in the form reasonably requested by the managing underwriter or underwriters, covering the period commencing
on the date of the prospectus pursuant to which such offering may be made and continuing until up to 45 days from the date of such
prospectus; <I>provided </I>that nothing herein will prevent (i) any Holder from making a transfer to an Affiliate, (ii) any pledge
of Registrable Securities by a Holder in connection with a permitted loan or (iii) or any foreclosure in connection with a permitted
loan or transfer in lieu of a foreclosure thereunder, in each case that is otherwise in compliance with applicable securities laws;
and, <I>provided</I>, further, that all then current officers, directors of the Company and shareholders of the Company holding
two percent or more of the outstanding voting securities that are publicly registered are subject to a similar &ldquo;lock-up&rdquo;
agreement and any exceptions applicable to such officers, directors and shareholders shall apply to such Holder</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article
IV</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase"></FONT><U>Indemnification</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 4.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Indemnification by Company</U>. To the extent permitted by applicable law, the Company will, with respect to any Registrable
Securities covered by a registration statement or prospectus, or as to which registration, qualification or compliance under applicable
 &ldquo;blue sky&rdquo; laws has been effected pursuant to this Agreement, indemnify and hold harmless each Holder, each Holder&rsquo;s
current and former officers, directors, partners, members, managers, shareholders, accountants, attorneys, agents, employees and
Affiliates, and each Person controlling such Holder within the meaning of Section&nbsp;15 of the Securities Act and such Holder&rsquo;s
current and former officers, directors, partners, members, managers, shareholders, accountants, attorneys, agents, employees and
Affiliates, and each underwriter thereof, if any, and each Person who controls any such underwriter within the meaning of Section&nbsp;15
of the Securities Act (collectively, the &ldquo;<U>Company Indemnified Parties</U>&rdquo;), from and against any and all expenses,
claims, losses, damages, costs (including costs of preparation, reasonable attorney&rsquo;s fees and expenses and any legal or
other fees or expenses reasonably incurred by such party in connection with any investigation or proceeding), judgments, fines,
penalties, charges, amounts paid in settlement and other liabilities, joint or several, (or actions or proceedings, whether commenced
or threatened, in respect thereof) (collectively, &ldquo;<U>Losses</U>&rdquo;) to the extent arising out of or based on any untrue
statement (or alleged untrue statement) of a material fact contained in any registration statement, prospectus, preliminary prospectus,
offering circular, &ldquo;issuer free writing prospectus&rdquo; (as such term is defined in Rule&nbsp;433 under the Securities
Act) or other document, in each case related to such registration statement, or any amendment or supplement thereto, or based on
any omission (or alleged omission) to state therein a material fact required to be stated therein or necessary to make the statements
therein, in light of the circumstances in which they were made, not misleading, or any violation by the Company of the Securities
Act, the Exchange Act, any state securities law or any rules or regulations thereunder applicable to the Company and (without limiting
the preceding portions of this <U>Section&nbsp;4.1</U>), the Company will reimburse each of the Company Indemnified Parties for
any reasonable and documented out-of-pocket legal expenses and any other reasonable and documented out-of-pocket expenses actually
incurred in connection with investigating, defending or, subject to the last sentence of this <U>Section&nbsp;4.1</U>, settling
any such Losses or action, as such expenses are incurred; <I>provided</I> that the Company&rsquo;s indemnification obligations
shall not apply to amounts paid in settlement of any Losses or action if such settlement is effected without the prior written
consent of the Company (which consent shall not be unreasonably withheld or delayed), nor shall the Company be liable to a Holder
in any such case for any such Losses or action to the extent that it arises out of or is based upon a violation or alleged violation
of any state or federal law (including any claim arising out of or based on any untrue statement or alleged untrue statement or
omission or alleged omission in the registration statement or prospectus) which occurs in reliance upon and in conformity with
written information regarding such Holder furnished to the Company by such Holder or its authorized representatives expressly for
use in connection with such registration by or on behalf of any Holder; it being understood and agreed that the only such information
furnished by any Holder consists of the information described as such in <U>Section&nbsp;4.2</U> below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 4.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Indemnification by Holders</U>. To the extent permitted by applicable law, each Holder will, if Registrable Securities
held by such Holder are included in the securities as to which registration or qualification or compliance under applicable &ldquo;blue
sky&rdquo; laws is being effected, indemnify, severally and not jointly with any other Holders of Registrable Securities, the Company,
each of its representatives, each Person who controls the Company or such underwriter within the meaning of Section&nbsp;15 of
the Securities Act (collectively, the &ldquo;<U>Holder Indemnified Parties</U>&rdquo;), against all Losses (or actions in respect
thereof) to the extent arising out of or based on any untrue statement (or alleged untrue statement) of a material fact contained
in any registration statement, prospectus, preliminary prospectus, offering circular, &ldquo;issuer free writing prospectus&rdquo;
or other document, in each case related to such registration statement, or any amendment or supplement thereto, or based on any
omission (or alleged omission) to state therein a material fact required to be stated therein or necessary to make the statements
therein, in light of the circumstances in which they were made, not misleading, and will reimburse each of the Holder Indemnified
Parties for any reasonable and documented out-of-pocket legal expenses and any other reasonable and documented out-of-pocket expenses
actually incurred in connection with investigating, defending or, subject to the last sentence of this <U>Section&nbsp;4.2,</U>
settling any such Losses or action, as such expenses are incurred, in each case to the extent, but only to the extent, that such
untrue statement (or alleged untrue statement) or omission (or alleged omission) is made in such registration statement, prospectus,
offering circular, &ldquo;issuer free writing prospectus&rdquo; or other document in reliance upon and in conformity with written
information regarding such Holder furnished to the Company by such Holder or its authorized representatives and stated to be specifically
for use therein; it being understood and agreed that the only such information furnished by any Holder consists of the number of
shares of Common Stock (or any securities convertible, exchangeable or exercisable for Common Stock within 60&nbsp;days of any
such filing) owned by such Holder, the number of Registrable Securities proposed to be sold by such Holder, the name and address
of such Holder proposing to sell, and the distribution proposed by such Holder; <I>provided</I>, <I>however</I>, that in no event
shall any indemnity under this <U>Section&nbsp;4.2</U> payable by the Purchasers and any Holder exceed an amount equal to the net
proceeds received by such Holder in respect of the sale of the Registrable Securities giving rise to such indemnification obligation.
The indemnity agreement contained in this <U>Section&nbsp;4.2</U> shall not apply to amounts paid in settlement of any Losses or
action if such settlement is effected without the prior written consent of the applicable Holder (which consent shall not be unreasonably
withheld or delayed).</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 4.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Notification</U>. If any Person shall be entitled to indemnification under this <U>Article IV</U> (each, an &ldquo;<U>Indemnified
Party</U>&rdquo;), such Indemnified Party shall give prompt notice to the party required to provide indemnification (each, an &ldquo;<U>Indemnifying
Party</U>&rdquo;) of any claim or of the commencement of any proceeding as to which indemnity is sought. The Indemnifying Party
shall have the right, exercisable by promptly giving written notice to the Indemnified Party after the receipt of written notice
from such Indemnified Party of such claim or proceeding, to assume, at the Indemnifying Party&rsquo;s expense, the defense of any
such claim or litigation, with counsel reasonably satisfactory to the Indemnified Party and, after notice from the Indemnifying
Party to such Indemnified Party of its election to assume the defense thereof, the Indemnifying Party will not (so long as it shall
continue to have the right to defend, contest, litigate and settle the matter in question in accordance with this paragraph) be
liable to such Indemnified Party hereunder for any legal expenses and other expenses subsequently incurred by such Indemnified
Party in connection with the defense thereof; <I>provided</I>, <I>however</I>, that an Indemnified Party shall have the right to
employ separate counsel in any such claim or litigation, but the fees and expenses of such counsel shall be at the expense of such
Indemnified Party unless (i)&nbsp;the use of counsel chosen by the Indemnifying Party to represent the Indemnified Party would
present such counsel with a conflict of interest; (ii)&nbsp;such action includes both the Indemnified Party and the Indemnifying
Party and the Indemnified Party shall have reasonably concluded that there may be legal defenses available to it and/or other Indemnified
Parties that are different from or additional to those available to the Indemnifying Party; (iii)&nbsp;the Indemnifying Party shall
have failed within a reasonable period of time to employ counsel reasonably satisfactory to the Indemnified Party and assume such
defense and the Indemnified Party is or would reasonably be expected to be materially prejudiced by such delay or (iv)&nbsp;the
Indemnifying Party agrees to pay such fees and expenses. The failure of any Indemnified Party to give notice as provided herein
shall relieve an Indemnifying Party of its obligations under this <U>Article IV</U> only to the extent that the failure to give
such notice is materially prejudicial or harmful to such Indemnifying Party&rsquo;s ability to defend such action. No Indemnifying
Party, in the defense of any such claim or litigation, shall, except with the prior written consent of each Indemnified Party (which
consent shall not be unreasonably withheld or delayed), consent to entry of any judgment or enter into any settlement which (A)&nbsp;does
not include as an unconditional term thereof the giving by the claimant or plaintiff to such Indemnified Party of a release from
all liability in respect to such claim or litigation and (B)&nbsp;does not include any statement as to or any admission of fault,
culpability or a failure to act by or on behalf of any Indemnified Party. The indemnity agreements contained in this <U>Article&nbsp;IV</U>
shall not apply to amounts paid in settlement of any claim, loss, damage, liability or action if such settlement is effected without
the prior written consent of the Indemnifying Party, which consent shall not be unreasonably withheld or delayed. The indemnification
set forth in this <U>Article IV</U> shall be in addition to any other indemnification rights or agreements that an Indemnified
Party may have. An Indemnifying Party who is not entitled to, or elects not to, assume the defense of a claim will not be obligated
to pay the fees and expenses of more than one counsel (in addition to appropriate local counsel) for all parties indemnified by
such Indemnifying Party with respect to such claim, unless in the reasonable judgment of any Indemnified Party a conflict of interest
may exist between such Indemnified Party and any other Indemnified Parties with respect to such claim.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 4.4<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Contribution</U>. If the indemnification provided for in this <U>Article&nbsp;IV</U> is held by a court of competent
jurisdiction to be unavailable to an Indemnified Party, other than pursuant to its terms, with respect to any Losses or action
referred to therein, then, subject to the limitations contained in this <U>Article IV</U>, the Indemnifying Party, in lieu of indemnifying
such Indemnified Party hereunder, shall contribute to the amount paid or payable by such Indemnified Party as a result of such
Losses or action in such proportion as is appropriate to reflect the relative fault of the Indemnifying Party, on the one hand,
and the Indemnified Party, on the other, in connection with the actions, statements or omissions that resulted in such Losses or
action, as well as any other relevant equitable considerations. The relative fault of the Indemnifying Party, on the one hand,
and the Indemnified Party, on the other hand, shall be determined by reference to, among other things, whether any action in question,
including any untrue or alleged untrue statement of a material fact or omission or alleged omission to state a material fact, has
been made (or omitted) by, or relates to information supplied by such Indemnifying Party, on the one hand, or such Indemnified
Party, on the other hand, and the parties&rsquo; relative intent, knowledge, access to information and opportunity to correct or
prevent any such action, statement or omission. The Company and the Holders agree that it would not be just and equitable if contribution
pursuant to this <U>Section&nbsp;4.4</U> was determined solely upon <I>pro&nbsp;rata </I>allocation or by any other method of allocation
which does not take account of the equitable considerations referred to in the immediately preceding sentence of this <U>Section&nbsp;4.4</U>.
Notwithstanding the provisions of this <U>Section&nbsp;4.4</U>, an Indemnifying Party that is a Holder shall not be required to
contribute to any amount in excess of the amount by which the net proceeds to the Indemnifying Party from the sale of the Registrable
Securities sold in a transaction that resulted in Losses in respect of which contribution is sought in such proceeding pursuant
to this <U>Section&nbsp;4.4</U> exceed the amount of any damages such Indemnifying Party has otherwise been required to pay by
reason of such untrue or alleged untrue statement or omission or alleged omission (including as a result of any indemnification
obligation hereunder). No Person guilty of fraudulent misrepresentation (within the meaning of Section&nbsp;11(f) of the Securities
Act) shall be entitled to contribution from any Person who was not guilty of such fraudulent misrepresentation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article
V</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase"></FONT><U>Transfer and Termination of Registration Rights</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 5.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Transfer of Registration Rights</U>. Any rights to cause the Company to register securities granted to a Holder under
this Agreement may be transferred or assigned to any Investor in connection with (a)&nbsp;a transfer of New Shares, Warrants or
Common Stock, as applicable, to such Person or (b)&nbsp;a pledge by such Holder of its rights and an assignment by such Holder
of its rights in connection with a foreclosure under a pledge of Registrable Securities, in each case, pursuant to a permitted
loan; <I>provided</I>, <I>however</I>, in the case of each of clauses&nbsp;(a) and (b), that (i)&nbsp;prior written notice of such
assignment of rights is given to the Company and (ii)&nbsp;such Investor agrees in writing to be bound by, and subject to, this
Agreement as a &ldquo;Holder&rdquo; pursuant to a written instrument in form and substance reasonably acceptable to the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 5.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Termination of Registration Rights</U>. The rights of any particular Holder to cause the Company to register securities
under <U>Article&nbsp;I</U> or <U>Article&nbsp;II</U> shall terminate with respect to such Holder upon the date upon which such
Holder can sell all of its Registrable Securities under Rule 144 without volume limits.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article
VI</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase"></FONT><U>Miscellaneous</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 6.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Amendments and Waivers</U>. Any provision of this Agreement may be amended or waived if, and only if, such amendment
or waiver is in writing and is signed by the Company and the Holder(s) with respect to which such amendment or waiver is applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 6.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Extension of Time, Waiver, Etc</U>. The parties hereto may, subject to applicable law, (a)&nbsp;extend the time for the
performance of any of the obligations or acts of the other party or (b)&nbsp;waive compliance by the other party with any of the
agreements contained herein applicable to such party or, except as otherwise provided herein, waive any of such party&rsquo;s conditions.
Notwithstanding the foregoing, no failure or delay by the parties hereto in exercising any right hereunder shall operate as a waiver
thereof nor shall any single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any
other right hereunder. Any agreement on the part of a party hereto to any such extension or waiver shall be valid only if set forth
in an instrument in writing signed on behalf of such party; <I>provided</I> that the Purchasers may execute such waivers on behalf
of any Investor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 6.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Assignment.</U> Except as provided in <U>Section 5.1</U>, neither this Agreement nor any of the rights, interests or
obligations hereunder shall be assigned, in whole or in part, by operation of law or otherwise, by any of the parties hereto without
the prior written consent of the other party hereto; <I>provided</I>, <I>however</I>, that the Purchaser may provide any such consent
on behalf of the Investors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 6.4<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Counterparts</U>. This Agreement may be executed in one or more counterparts (including by facsimile or electronic mail),
each of which shall be deemed to be an original but all of which taken together shall constitute one and the same agreement, and
shall become effective when one or more counterparts have been signed by each of the parties hereto and delivered to the other
parties hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 6.5<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Entire Agreement; No Third Party Beneficiary</U>. This Agreement, including the Transaction Documents (as defined in
the Investment Agreement), constitutes the entire agreement, and supersedes all other prior agreements and understandings, both
written and oral, among the parties and their Affiliates, or any of them, with respect to the subject matter hereof and thereof.
No provision of this Agreement shall confer upon any Person other than the parties hereto and their permitted assigns any rights
or remedies hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 6.6<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Governing Law; Jurisdiction</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>This Agreement shall be governed by, and construed in accordance with, the laws of the State of New York applicable to contracts
executed in and to be performed entirely within that State, regardless of the laws that might otherwise govern under any applicable
conflict of laws principles.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Party irrevocably submits to the non-exclusive jurisdiction of the United States District Court for the Southern District
of New York or any court of the State of New York located in such district any suit, action or other proceeding arising out of
or relating to this Agreement, and hereby irrevocably agrees that all claims in respect of such suit, action or proceeding may
be heard and determined in such court. Each Party hereby irrevocably waives, to the fullest extent that it may effectively do so,
the defense of an inconvenient forum to the maintenance of such suit, action or other proceeding. The Parties further agree, to
the extent permitted by law, that final and unappealable judgment against any of them in any suit, action or other proceeding contemplated
above shall be conclusive and may be enforced in any other jurisdiction within or outside the United States by suit on the judgment,
a certified copy of which shall be conclusive evidence of the fact and amount of such judgment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 6.7<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Waiver of Jury Trial</U>. EACH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE FULLEST EXTENT PERMITTED
BY APPLICABLE LAW, ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF
OR RELATING TO THIS AGREEMENT AND ANY OF THE AGREEMENTS DELIVERED IN CONNECTION HEREWITH OR THE TRANSACTIONS CONTEMPLATED HEREBY
OR THEREBY.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 6.8<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Notices</U>. All notices, requests and other communications to any party hereunder shall be in writing and shall be
deemed given if delivered personally, emailed (which is confirmed) or sent by overnight courier (providing proof of delivery)
to the parties at the following addresses:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.17in; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>If
to the Company, to it at:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">MFA Financial, Inc.<BR>
350 Park Avenue, 20th&nbsp;Floor<BR>
New York, New York, 10022<BR>
Attn: General Counsel<BR>
Phone: 212-207-6454<BR>
E-mail: <U>Hschwartz@mfafinancial.com</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.55in; text-indent: 0.4in"><U>legal@mfafinancial.com</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">with a copy (which shall not constitute notice) to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Skadden, Arps, Slate, Meagher &amp; Flom LLP<BR>
One Manhattan West,<BR>
New York, New York 10001<BR>
Attn: David J. Goldschmidt</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.75in">&nbsp;&nbsp;Thomas Greenberg</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Phone: (212) 735-3574</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Fax: (917) 777-3574<BR>
E-mail: <U>David@Goldschmidt@skadden.com</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.55in; text-indent: 0.4in"><U>Thomas.Greenberg@skadden.com</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.17in; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>If
to the Apollo Purchaser at:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Omaha Equity Aggregator, L.P.<BR>
c/o&nbsp;Apollo Global Management, Inc.<BR>
9 West 57th&nbsp;Street<BR>
New York, NY 10019<BR>
Attn: Joe Glatt<BR>
Phone: 212-822-0456<BR>
E-mail: <U>jglatt@apollo.com</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.55in; text-indent: 0.4in"><U>ProjectOmahaNotices@apollo.com</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">with a copy (which shall not constitute notice) to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Sidley Austin LLP<BR>
787 Seventh Avenue<BR>
New York, NY 10019</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Attn: Adam Weinstein</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.75in">&nbsp;&nbsp;Dan Serota</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Phone: (212)&nbsp;839-5371<BR>
Fax: (212)&nbsp;839-5599</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">E-mail: <U>AWeinstein@sidley.com</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.55in; text-indent: 0.4in"><U>DSerota@sidley.com</U></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT>If
to the Athene Purchasers at:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 0.5in">Athene Annuity &amp; Life Assurance
Company</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">c/o Apollo Insurance Solutions Group LP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 0.5in">2121 Rosecrans Avenue</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 0.5in">Suite 5300</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 0.5in">El Segundo, California 90245</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 0.5in">Attn:&nbsp; Matt O&rsquo;Mara</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 0.5in">Phone:&nbsp; &nbsp;310-698-4414&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 0.5in">Email:&nbsp; <U>ISG-fundnotices@apollo.com;</U></P>

<P STYLE="text-indent: 0.4in; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.55in"><U>Momara@apollo.com</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 0.5in">Athene Annuity and Life Company</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">c/o Apollo Insurance Solutions Group LP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 0.5in">2121 Rosecrans Avenue</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 0.5in">Suite 5300</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 0.5in">El Segundo, California 90245</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 0.5in">Attn:&nbsp; Matt O&rsquo;Mara</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 0.5in">Phone:&nbsp; &nbsp;310-698-4414&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: 0.5in">Email:&nbsp; <U>ISG-fundnotices@apollo.com;</U></P>

<P STYLE="text-indent: 0.4in; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.55in"><U>Momara@apollo.com</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">with a copy (which shall not constitute notice) to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Sidley Austin LLP<BR>
787 Seventh Avenue<BR>
New York, NY 10019</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-left: 1.5in; margin-top: 0pt; margin-bottom: 0pt">Attn: Adam Weinstein</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-left: 1.75in; margin-top: 0pt; margin-bottom: 0pt">&nbsp;&nbsp;Dan
Serota</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Phone: (212)&nbsp;839-5371<BR>
Fax: (212)&nbsp;839-5599</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-left: 1.5in; margin-top: 0pt; margin-bottom: 0pt">E-mail: <U>AWeinstein@sidley.com</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.55in; text-indent: 0.4in"><U>DSerota@sidley.com</U></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">or such other address, email address or
facsimile number as such party may hereafter specify by like notice to the other parties hereto. All such notices, requests and
other communications shall be deemed received on the date of actual receipt by the recipient thereof if received prior to 5:00&nbsp;p.m.
local time in the place of receipt and such day is a Business Day in the place of receipt. Otherwise, any such notice, request
or communication shall be deemed not to have been received until the next succeeding Business Day in the place of receipt.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 6.9<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Severability</U>. If any term, condition or other provision of this Agreement is determined by a court of competent
jurisdiction to be invalid, illegal or incapable of being enforced by any rule of law or public policy, all other terms, provisions
and conditions of this Agreement shall nevertheless remain in full force and effect. Upon such determination that any term, condition
or other provision is invalid, illegal or incapable of being enforced, the parties hereto shall negotiate in good faith to modify
this Agreement so as to effect the original intent of the parties as closely as possible to the fullest extent permitted by applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 6.10<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Expenses</U>.
Except as provided in <U>Section&nbsp;3.3</U>, all costs and expenses, including fees and disbursements of counsel, financial
advisors and accountants, incurred in connection with this Agreement and the transactions contemplated hereby shall be paid by
the party incurring such costs and expenses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 6.11<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#8239;</FONT><U>Interpretation</U>.
The rules of interpretation set forth in Section&nbsp;7.12 of the Investment Agreement shall apply to this Agreement, <I>mutatis
mutandis</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section 6.12<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Purchasers</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Holder hereby consents, for so long as any Purchaser holds any Registrable Securities, to (i)&nbsp;the appointment
of the Purchasers, acting together, as the attorneys-in-fact for and on behalf of such Holder and (ii)&nbsp;the taking by the
Purchaser, acting together, of any and all actions and the making of any decisions required or permitted by, or with respect to,
this Agreement and the transactions contemplated hereby, including (A)&nbsp;the exercise of the power to agree to execute any
consents under this Agreement and all other documents contemplated hereby and (B)&nbsp;to take all actions necessary in the judgment
of the Purchasers for the accomplishment of the foregoing and all of the other terms, conditions and limitations of this Agreement
and the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Holder shall be bound by the actions taken by the Purchasers exercising the rights granted to them by this Agreement
or the other documents contemplated by this Agreement, and the Company shall be entitled to rely on any such action or decision
of the Purchasers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature pages follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">IN WITNESS WHEREOF,
the parties have executed this Registration Rights Agreement as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><B>MFA FINANCIAL, INC.</B></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid">/s/ Harold E. Schwartz</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 5%">Name:</TD>
    <TD STYLE="width: 42%">Harold E. Schwartz</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Senior Vice President, General Counsel and Secretary</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[<I>Signature Page
to Registration Rights Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><B>OMAHA EQUITY AGGREGATOR, L.P. </B></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">By: AP Omaha Advisors, LLC, its general partner</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">By: Apollo Hybrid Value Advisors, L.P., its sole member</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">By: Apollo Hybrid Value Capital Management, LLC, its general partner</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 47%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid">/s/ Jospeh D. Glatt</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Name: Joseph D. Glatt</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title: Vice President</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">[<I>Signature Page
to Registration Rights Agreement</I>]</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 50%">ATHENE USA CORPORATION</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">By: Apollo Insurance Solutions Group LP, its investment adviser</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">By:&nbsp; AISG GP Ltd., its General Partner</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 47%">/s/ Matthew S. O&rsquo;Mara</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Name: Matthew S. O&rsquo;Mara</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title: Authorized Signatory</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 50%">ATHENE ANNUITY &amp; LIFE ASSURANCE COMPANY</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">By: Apollo Insurance Solutions Group LP, its investment adviser</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">By:&nbsp; AISG GP Ltd., its General Partner</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 47%">/s/ Matthew S. O&rsquo;Mara</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Name: Matthew S. O&rsquo;Mara</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title: Authorized Signatory</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 50%">ATHENE ANNUITY AND LIFE COMPANY</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">By: Apollo Insurance Solutions Group LP, its investment adviser</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">By:&nbsp; AISG GP Ltd., its General Partner</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 47%">/s/ Matthew S. O&rsquo;Mara</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Name: Matthew S. O&rsquo;Mara</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Title: Authorized Signatory</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">[<I>Signature Page to Registration Rights Agreement</I>]</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">EXHIBIT A</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">DEFINED TERMS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><B>1.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></B>The
following capitalized terms have the meanings indicated:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Adverse
Disclosure</U>&rdquo; means public disclosure of material non-public information that, in the good faith judgment of the Company
(after consultation with legal counsel): (i)&nbsp;would be required to be made in any registration statement filed with the SEC
by the Company so that such registration statement would not be materially misleading; (ii)&nbsp;would not be required to be made
at such time but for the filing, effectiveness or continued use of such registration statement; and (iii)&nbsp;the Company has
a <I>bona&nbsp;fide </I>business purpose for not disclosing publicly.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Affiliates</U>&rdquo;
shall have the meaning given to such term in the Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Business
Day</U>&rdquo; shall have the meaning given to such term in the Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Common Stock</U>&rdquo;
means all shares currently or hereafter existing of the Company&rsquo;s common stock, par value $0.01 per share.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Exchange
Act</U>&rdquo; means the Securities Exchange Act of 1934, as amended, and any successor statute thereto, and the rules and regulations
of the SEC promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>FINRA</U>&rdquo;
means the Financial Industry Regulatory Authority, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Form&nbsp;S-3</U>&rdquo;
means such form under the Securities Act as in effect on the date hereof or any registration form under the Securities Act subsequently
adopted by the SEC that permits incorporation of substantial information by reference to other documents filed by the Company
with the SEC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Holder</U>&rdquo;
means any Investor holding Registrable Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Marketed
Underwritten Offering</U>&rdquo; means any Underwritten Offering that includes a customary &ldquo;electronic road show&rdquo;
or other marketing efforts by the Company and the underwriters, which for the avoidance of doubt, shall not include block trades
(it being understood that nothing in this Agreement shall require the Company to participate in any in-person road show).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Permitted
Transferee</U>&rdquo; with respect to the Apollo Purchaser or the Athene Purchasers means any Person who becomes a Holder or is
otherwise entitled to registration rights hereunder as a result of a transfer by the Apollo Purchaser or the Athene Purchasers
or their respective Affiliates, as applicable, in each case in accordance with <U>Section&nbsp;5.1</U> hereof, the Investment
Agreement and applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Person</U>&rdquo;
means any individual, corporation, limited liability company, partnership, joint venture, association, trust, unincorporated organization
or any other entity, including a governmental authority.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>register</U>&rdquo;,
 &ldquo;<U>registered</U>&rdquo; and &ldquo;<U>registration</U>&rdquo; refer to a registration effected by preparing and filing
a registration statement in compliance with the Securities Act, and the declaration or ordering of the effectiveness of such registration
statement or the automatic effectiveness of such registration statement, as applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Registrable
Securities</U>&rdquo; means,&nbsp;as of any date of determination, any shares of Common Stock hereafter held by any Purchaser
Party (as such term is defined in the Investment Agreement), including any Common Stock issuable upon the exercise of any Warrants,
and any other securities issued or issuable with respect to any such shares of Common Stock by way of share split, share dividend,
distribution, recapitalization, merger, exchange, replacement, reorganization, conversion or similar event. As to any particular
Registrable Securities, once issued, such securities shall cease to be Registrable Securities when (i)&nbsp;such securities are
sold or otherwise transferred pursuant to an effective registration statement under the Securities Act, (ii)&nbsp;such securities
shall have ceased to be outstanding, (iii)&nbsp;such securities have been transferred in a transaction in which the Holder&rsquo;s
rights under this Agreement are not assigned in accordance with the terms of this Agreement to the transferee of the securities,
(iv)&nbsp;such securities may be sold under Rule&nbsp;144 without restriction&nbsp;on the number of shares to be sold or manner
of sale, or (v)&nbsp;as to any Registrable Securities of a Holder, at any time such Holder and its Affiliates own less than 1%
of the outstanding shares of Common Stock (assuming all Warrants of such Holder and its Affiliates have been exercised).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Registration
Expenses</U>&rdquo; means all (a) expenses incurred by the Company in complying with <U>Article&nbsp;I </U>or <U>Article&nbsp;II
</U>including all registration, qualification, listing and filing fees, printing expenses, escrow fees, and fees and disbursements
of counsel for the Company, fees and disbursements of the Company&rsquo;s independent public accountants, fees and disbursements
of the transfer agent, blue sky fees and expenses; and (b) reasonable, documented out-of-pocket fees and expenses of one outside
legal counsel for all Holders retained in connection with any registration contemplated hereby in an amount not to exceed $75,000.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Rule&nbsp;144</U>&rdquo;
means Rule&nbsp;144 promulgated under the Securities Act and any successor provision.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Rule&nbsp;462(e)</U>&rdquo;
means Rule&nbsp;462(e) promulgated under the Securities Act and any successor provision.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>SEC</U>&rdquo;
means the U.S.&nbsp;Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Securities
Act</U>&rdquo; means the Securities Act of 1933, as amended, and any successor statute thereto, and the rules and regulations
of the SEC promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Selling
Expenses</U>&rdquo; means all underwriting discounts, selling commissions and stock transfer taxes applicable to the securities
registered by the Holders and the fees and expenses of any auditor of any Holders or any counsel to any Holders (other than such
fees and expenses included in Registration Expenses).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Shelf Registration
Statement</U>&rdquo; means the Resale Shelf Registration Statement, a Subsequent Shelf Registration Statement or any other shelf
registration statement pursuant to which any Registrable Securities are registered, as applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<U>Underwritten
Offering</U>&rdquo; means a registered offering in which securities of the Company are sold to one or more underwriters on a firm-commitment
basis for reoffering to the public.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">2.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The
following terms are defined in the Sections of the Agreement indicated:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">INDEX OF TERMS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font-weight: bold; vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; font-weight: bold"><B>Term</B></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-align: right"><B>Section</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actions</FONT></TD>
    <TD STYLE="text-align: right; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.6(b)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Apollo Investor Group </FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 1.6(c)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Apollo Purchaser </FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Athene Annuity &amp; Life Assurance Purchaser
    </FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Athene Annuity and Life Company Purchaser </FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Athene Investor Group </FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.2</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Athene Purchasers</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Company</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Company Indemnified Parties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Demand Registration</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Demand Registration Requestor</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.2</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Demand Registration Request</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Demand Registration Statement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Effectiveness Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Holder Indemnified Parties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnified Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnifying Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interruption Period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1(o)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recital</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investors</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investor Group</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">New Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Offering Persons</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1(m)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Piggyback Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.7(a)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Piggyback Registration Statement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.7(a)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Piggyback Requestor</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 2.2</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Piggyback Request</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.7(a)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchaser</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Preamble</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Resale Shelf Registration Statement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shelf Offering</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6(a)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsequent Holder Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsequent Shelf Registration Statement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Underwritten Shelf Take-Down</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6(b)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Underwritten Shelf Take-Down Notice</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6(b)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Warrants</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recital</FONT></TD></TR>
</TABLE>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>Schedule I</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Barclays Capital Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Credit Suisse Securities (USA) LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Goldman Sachs &amp; Co. LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Morgan Stanley &amp; Co. LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Wells Fargo Securities, LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.4
<SEQUENCE>5
<FILENAME>tm2023506d1_ex10-4.htm
<DESCRIPTION>EXHIBIT 10.4
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 10.4</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><I>EXECUTION VERSION</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>FORM OF WARRANT</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>THE SECURITIES REPRESENTED BY THIS INSTRUMENT
HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE &ldquo;<U>ACT</U>&rdquo;), OR THE SECURITIES LAWS OF
ANY STATE AND MAY NOT BE TRANSFERRED, SOLD OR OTHERWISE DISPOSED OF EXCEPT WHILE A REGISTRATION STATEMENT RELATING THERETO IS IN
EFFECT UNDER SUCH ACT AND APPLICABLE STATE SECURITIES LAWS OR PURSUANT TO AN EXEMPTION FROM REGISTRATION UNDER SUCH ACT OR SUCH
LAWS.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">WARRANT<BR>
TO PURCHASE<BR>
SHARES OF COMMON STOCK<BR>
OF<BR>
MFA FINANCIAL, INC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%; font: 10pt Times New Roman, Times, Serif; text-align: left">No. W-[ ]</TD>
    <TD STYLE="width: 50%; font: 10pt Times New Roman, Times, Serif; text-align: right">June 26, 2020</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">FOR VALUE RECEIVED, the undersigned, MFA
Financial, Inc., a Maryland corporation (together with its successors and assigns, the &ldquo;<U>Company</U>&rdquo;), hereby certifies
that</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0.5in">[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">or its registered assign is entitled, upon the terms and subject
to the limitations on exercise and the conditions hereinafter set forth, to subscribe for and purchase from the Company at the
Warrant Exercise Price per share, the Warrant Share Number of duly authorized, validly issued, fully paid and non-assessable shares
of Common Stock. This Warrant is issued pursuant to that certain Investment Agreement, dated as of June 15, 2020, by and among
the Company, Omaha Equity Aggregator, L.P. and Athene USA Corporation (the &ldquo;<U>Investment Agreement</U>&rdquo;). Capitalized
terms used in this Warrant and not otherwise defined herein shall have the respective meanings specified in <U>Section&nbsp;7</U>
hereof.</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">1.<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Term</U>. The right to subscribe for and purchase Warrant Shares represented hereby, subject to the conditions set forth
herein, shall commence on the date hereof and expire at 11:59 P.M. (New York City time) on the date that is the later of (i) June
15, 2025 and (ii) the first anniversary of the date on which all obligations in respect of that certain Credit Agreement, dated
as of June 15, 2020 (the &ldquo;<U>New Credit Agreement</U>&rdquo;) by and between the Company, MFResidential Assets Holding Corp.
and the Lenders (each as defined in the New Credit Agreement) including payment in full of the New Term Loan thereunder, have been
satisfied (such period being the &ldquo;<U>Term</U>&rdquo;). The Company shall provide the Holder with written notice of its payment
in full of the New Term Loan reasonably promptly after such payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">2.<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Method of Exercise&#894; Payment&#894; Issuance of New Warrant&#894; Transfer and Exchange</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Time and Manner of Exercise</U>. The purchase rights represented by this Warrant may be exercised, upon the terms and
subject to the conditions hereinafter set forth, in whole or in part at any time and from time to time during the Term by (i) the
delivery of the Exercise Form in the form annexed hereto (the &ldquo;<U>Exercise Form</U>&rdquo;) duly completed and executed on
behalf of the Holder and (ii) payment of the Warrant Exercise Price for the Warrant Shares thereby purchased by, at the election
of the Holder, either (A) tendering in cash, either by certified or cashier&rsquo;s check payable to the order of the Company or
by wire transfer of immediately available funds to an account designated by the Company, at the election of the Holder, or (B)
by means of cashless exercise (as specified in <U>Sections 2(b)</U> and <U>(c)</U> below), or (C) some combination of the foregoing;
<U>provided</U>, that, notwithstanding anything to the contrary set forth herein, any exercise of this Warrant shall be subject
to and conditioned upon (x) the fair market value of the Company&rsquo;s outstanding Common Stock being greater than the Warrant
Exercise Price and (y) making and receipt of all filings, notifications, expirations of waiting periods, waivers and approvals
under applicable Competition Laws necessary in connection with the issuance of the applicable Warrant Shares upon exercise of this
Warrant in accordance with the terms and conditions set forth herein. Notwithstanding anything to the contrary set forth in this
Warrant, if the Warrant is exercised, in whole or in part, in connection with the exercise of the Holder&rsquo;s registration rights
in accordance with the Registration Rights Agreement (as defined in the Investment Agreement), then this Warrant shall not be deemed
to have been exercised to the extent that the applicable Warrant Shares are not sold in the applicable offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>No Cash Exercise</U><FONT STYLE="font-size: 10pt">. The Company and the Holder agree, unless otherwise required by a
change in law or by the Internal Revenue Service or other governmental authority following an audit or examination, (i) in the
event of a net issue exercise under <U>Section 2(c)</U>, the Holder&rsquo;s surrender of this Warrant in exchange for the receipt
of the Warrant Shares issuable in accordance with this Warrant (or the portion thereof being cancelled) shall be treated as a recapitalization
under Section 368(a)(1)(E) of the Code and (ii) not to file any tax return inconsistent with the foregoing.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Net Issue Exercise</U><FONT STYLE="font-size: 10pt">3.. The Holder may, in its sole discretion and in lieu of payment
of the Warrant Exercise Price, elect to exercise all or any part of this Warrant on one or more occasions, at any time prior to
the expiration of the Term, to receive Warrant Shares issuable in accordance with this Warrant (or the portion thereof being exercised)
in a &ldquo;cashless&rdquo; or &ldquo;net-issue&rdquo; exercise by surrender of this Warrant at the principal office of the Company
together with the Exercise Form selecting a cashless exercise, in which event the Company shall issue to the Holder a number of
Warrant Shares computed using the following formula:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; margin-top: 0pt; margin-bottom: 0pt; text-align: center">Y(A-B)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">X = &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;----------------</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; margin-top: 0pt; margin-bottom: 0pt; text-align: center">A</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.85in; text-align: left">Where:</TD><TD STYLE="text-align: justify">X = the number of the Warrant Shares to be issued to
the Holder.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.85in">&nbsp;</TD>
    <TD>Y = the number of the Warrant Shares with respect to which this Warrant is exercised.</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.85in">&nbsp;</TD>
    <TD>A = the fair market value of one share of Common Stock on the date of determination.</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.85in">&nbsp;</TD>
    <TD>B = the Warrant Exercise Price (as adjusted to the date of such calculation).</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">For purposes of this <U>Section&nbsp;2(c)</U>, the fair market
value of one share of Common Stock on the date of determination shall mean:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>if the Common Stock is publicly traded, the per share fair market value of the Common Stock shall be the closing price of
the Common Stock as quoted on The New York Stock Exchange, or the principal exchange or market on which the Common Stock is listed,
on the last trading day ending prior to the date of determination (or if no closing per-share sale price is reported, the average
of the last bid and ask prices or, if more than one in either case, the average of the average last bid and the average last ask
prices); and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>if the Common Stock is not so publicly traded, the per share fair market value of the Common Stock shall be such fair market
value (x) as determined in good faith by the Board of Directors of the Company and set forth in certified resolutions, which shall
include all material information and clearly set forth the methodology used to determine such fair market value and shall be delivered
to the Holder within five (5) Business Days after the Holder delivers this Warrant and the Exercise Form (the &ldquo;<U>Board Determination</U>&rdquo;)
and (y) if the Holder delivers a written notice of objection to the Board Determination (a &ldquo;<U>Valuation Objection</U>&rdquo;)
within three (3) Business Days after receipt of the Board Determination (the &ldquo;<U>Objection Deadline</U>&rdquo;), unless otherwise
agreed by the Holder and the Board of Directors of the Company, as determined by a nationally recognized investment banking firm
selected by the Company in good faith in consultation with the Holder and set forth in a valuation opinion delivered to the Holder
within five (5) Business Days after the Holder delivers such notice of objection (the &ldquo;<U>Banker Valuation Opinion</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The date of determination for purposes of this <U>Section&nbsp;2(c)
</U>shall be the date the Exercise Form is validly delivered by the Holder to the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Issuance of Warrant Shares and New Warrant</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In the event of any exercise of the rights
represented by this Warrant in accordance with and subject to the terms and conditions hereof, (i)&nbsp;the Warrant Shares so purchased
shall be delivered by the Company within two (2) Business Days after (i) if <U>Section 2(c)(i)</U> applies, the exercise and delivery
of this Warrant and the Exercise Form, (ii) if <U>Section 2(c)(ii)(x)</U> applies, the earlier of (A) the Holder informing the
Company in writing that it accepts the Board Determination and (b) the Objection Deadline if the Holder does not submit a Valuation
Objection and (iii) if <U>Section 2(c)(ii)(y)</U> applies, the delivery of the Banker Valuation Opinion. Such delivery shall be
made in each case via (A) book-entry transfer crediting the account of the Holder through the Company&rsquo;s transfer agent and
registrar for the Common Stock (which as at the issuance of this Warrant is Computershare) or (B) if requested by the Holder, in
the form of certificates in the name of the Holder. Unless this Warrant has expired, a new Warrant representing the number of Warrant
Shares, if any, with respect to which this Warrant shall not then have been exercised shall also be issued to the Holder at the
same time as delivery of the applicable Warrant Shares. Partial exercises of this Warrant shall have the effect of lowering the
Warrant Share Number by the number of Warrant Shares with respect to which this Warrant has been exercised, and the Warrant Share
Number shall be reduced accordingly. The Holder and the Company shall maintain records showing the number of Warrant Shares with
respect to which this Warrant has been exercised and the date of each such exercise. Each Person in whose name any shares of Common
Stock is issued shall for all purposes be deemed to have become the holder of record of such shares of Common Stock on the date
on which the Warrant and Exercise Form was delivered to the Company (or, if such date is not a Business Day, on the open of business
on the first Business Day thereafter).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Notwithstanding anything in this Warrant
to the contrary, the Holder hereby acknowledges and agrees that its exercise of this Warrant for Warrant Shares is subject to the
condition that the Holder will have first received, to the extent applicable and required to permit the Holder to exercise this
Warrant for shares of Common Stock and to own such Common Stock, the receipt of any necessary approvals and authorizations of,
filings and registrations with, notifications to, or expiration or termination of any applicable waiting period under Laws, including
Competition Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Compliance with Securities Laws</U><FONT STYLE="font-size: 10pt">.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Holder, by acceptance hereof, acknowledges that this Warrant and the Warrant Shares to be issued upon exercise hereof
have not been registered under the Act or under any U.S. state security Laws and are being acquired pursuant to an exemption from
registration under the Act solely for the Holder&rsquo;s own account, and not as a nominee for any other party, and for investment
with no present intention to distribute the Warrants (or any Warrant Shares issuable upon exercise) to any person in violation
of the Act or any applicable U.S. state securities Laws, and that the Holder will not offer, sell or otherwise dispose of this
Warrant or any Warrant Shares to be issued upon exercise hereof except pursuant to an effective registration statement, or an exemption
from registration, under the Act and any applicable state securities Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Except as provided in paragraph (iii)&nbsp;below, this Warrant and all Warrant Shares issued upon exercise hereof shall
be stamped or imprinted with a legend in substantially the following form (which, in the case of Warrant Shares, shall be in the
form of an appropriate book entry notation):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in"><B>THE SECURITIES REPRESENTED BY
THIS INSTRUMENT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE &ldquo;<U>ACT</U>&rdquo;), OR THE SECURITIES
LAWS OF ANY STATE AND MAY NOT BE TRANSFERRED, SOLD OR OTHERWISE DISPOSED OF EXCEPT WHILE A REGISTRATION STATEMENT RELATING THERETO
IS IN EFFECT UNDER SUCH ACT AND APPLICABLE STATE SECURITIES LAWS OR PURSUANT TO AN EXEMPTION FROM REGISTRATION UNDER SUCH ACT OR
SUCH LAWS.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 1.25in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Subject to <U>Section 2(e)</U>, upon request of the Holder and, if requested by the Company, receipt by the Company of an
opinion of counsel reasonably satisfactory to the Company to the effect that such legend is no longer required under the Act and
applicable state securities Laws, the Company shall promptly cause the legend to be removed from any certificate or other instrument
for this Warrant or Warrant Shares to be transferred.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>No Fractional Shares or Scrip</U><FONT STYLE="font-size: 10pt">. No fractional shares or scrip representing fractional
Warrant Shares shall be issued upon the exercise of this Warrant. In lieu of any fractional Warrant Share to which the Holder would
otherwise be entitled, the Company shall make a cash payment equal to the fair market value of one Warrant Share on the last trading
day ending prior to the payment date multiplied by such fraction.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Replacement of Warrant</U><FONT STYLE="font-size: 10pt">. On receipt of evidence reasonably satisfactory to the Company
of the loss, theft, destruction or mutilation of this Warrant and, in the case of loss, theft or destruction, on delivery of an
indemnity agreement reasonably satisfactory in form and substance to the Company or, in the case of mutilation, on surrender and
cancellation of this Warrant, the Company shall execute and deliver, in lieu of this Warrant, a new warrant of like tenor and amount.
</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>No Rights of Stockholders</U><FONT STYLE="font-size: 10pt">. The Holder shall not be entitled to vote or receive dividends
or be deemed the holder of Common Stock or any other securities of the Company that may at any time be issuable on the exercise
hereof for any purpose, nor shall anything contained herein be construed to confer upon the Holder, as such, any of the rights
of a stockholder of the Company or any right to vote for the election of directors or upon any matter submitted to stockholders
at any meeting thereof, or to give or withhold consent to any corporate action (whether upon any recapitalization, issuance of
stock, reclassification of stock, change of par value, or change of stock to no par value, consolidation, merger, conveyance, or
otherwise) or to receive notice of meetings, or to receive dividends, other distributions or subscription rights or otherwise.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Transfer</U><FONT STYLE="font-size: 10pt">. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>This Warrant may not be sold, assigned, disposed of, pledged, hypothecated, encumbered or otherwise transferred (collectively,
a &ldquo;<U>Transfer</U>&rdquo;), directly or indirectly, in whole or in part, to any Person other than (A) (i) one or more of
the Holder&rsquo;s Affiliates or one or more cedants that have entered into a reinsurance relationship with the Holder or any Affiliate
thereof, (ii) any fund, insurance company or other entity managed or advised by the investment advisor (or one or more Affiliates
thereof) to the Holder, or (iii) any beneficiary under a trust agreement in which the investment advisor (or an Affiliate thereof)
to the Holder is also the investment advisor or asset manager of the grantor under such trust agreement, (B) due to a Regulatory
Determination or (C) after receipt of the Company&rsquo;s prior written consent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Subject to compliance with this <U>Section 2(ii)</U>, this Warrant and all rights hereunder shall be transferable upon the
books of the Company, and a new warrant shall be made and delivered by the Company, of the same tenor and date as this Warrant
but registered in the name of one or more transferees, upon surrender of this Warrant and delivery of a duly executed Assignment
Form in the form set forth as annex hereto (the &ldquo;<U>Assignment Form</U>&rdquo;), duly endorsed, to the office or agency of
the Company described in <U>Section 10</U> hereof. Upon such Transfer, a new Warrant representing an equal aggregate number of
Warrants shall be issued and the old Warrant shall be cancelled by the Company</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Any Transfer of the Warrants and Warrant Shares must be in compliance with the Act and applicable state securities Laws
and, if requested by the Company, receipt by the Company of an opinion of counsel, reasonably satisfactory to the Company that
such Transfer is in compliance with the Act and applicable state securities Laws. Following any Transfer, any such Warrants subject
to a Transfer shall at all times remain subject to the terms and restrictions set forth in this Warrant. The Company shall not
be required to effect any registration of Transfer or exchange of a Warrant which shall result in the issuance of a warrant certificate
for a fraction of a Warrant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">3.<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Certain Representations and Agreements</U><FONT STYLE="font-size: 10pt">. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company represents that this Warrant is, and any Warrant issued in substitution for or replacement of this Warrant shall
be, upon issuance, duly authorized and validly issued.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company further represents, covenants and agrees that all Warrant Shares issuable upon the exercise of this Warrant
pursuant to the terms hereof shall be, upon issuance, and the Company shall take all such actions as may be necessary or appropriate
in order that such Warrant Shares are, validly issued, fully paid and non-assessable, issued without violation of any preemptive
or similar rights of any stockholder of the Company, and free from all taxes, liens and charges (other than liens or charges created
by the Holder, except as otherwise provided herein, or Transfer Taxes that are not the obligation of the Company pursuant to <U>Section
5(b)</U>).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> The Company further covenants and agrees that during the Term, the Company will at all times have authorized and reserved
(as unissued or held in treasury) a sufficient number of shares of Common Stock to provide for the exercise in full of this Warrant.
The Company will procure, subject to issuance or notice of issuance, the listing of any Warrant Shares issuable upon exercise of
this Warrant on the principal stock exchange on which shares of Common Stock are then listed or traded.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company covenants and agrees that subject to the Investment Agreement, the Company shall take all such reasonable actions
as may be necessary to ensure that all Warrant Shares are issued without violation by the Company of any applicable Law or governmental
regulation or any requirements of any securities exchange upon which shares of the Company&rsquo;s capital stock may be listed
at the time of such exercise, except to the extent that any such violation would not materially or adversely affect the ability
of the Holder to exercise its rights hereunder or the Company to perform its obligations hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company further covenants and agrees that it shall not amend or modify any provision of the Certificate of Incorporation
or the bylaws of the Company in any manner that would materially and adversely affect the powers, preferences or relative participating,
optional or other special rights of the Common Stock in a manner which would disproportionately and adversely affect the rights
of the Holder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Holder expressly warrants that it (i) is an &ldquo;accredited investor&rdquo; (as that term is defined by Rule 501 under
the Act), (ii) has such knowledge and experience in financial and business matters and in investments of this type that it is capable
of evaluating the merits and risks and of making an informed investment decision, and has conducted a review of the business and
affairs of the Company that it considers sufficient and reasonable and (iii) is able to bear the economic risk and at the present
time is able to afford a complete loss of such investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">4.<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Adjustments and Other Rights</U>. The Warrant Exercise Price, Warrant Share Number and Warrant Shares issuable upon exercise
of this Warrant shall be subject to adjustment from time to time as follows (including, for the avoidance of doubt, as a result
of any events listed in <U>Section</U> 4(a) through (d) below that occur between the date of the Investment Agreement and the Closing
Date); <U>provided</U>, that no single event shall cause an adjustment under more than one subsection of this <U>Section 4</U>
so as to result in duplication.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Stock Splits, Subdivisions, Reclassifications or Combinations</U>. If the Company shall (i) pay or make a dividend or
make a distribution on its Common Stock payable in shares of Common Stock (which, for the avoidance of doubt, shall not include
any shares of Common Stock issued by the Company upon exercise of this Warrant), (ii) split, subdivide or reclassify the outstanding
shares of Common Stock into a greater number of shares or (iii) combine or reclassify the outstanding shares of Common Stock into
a smaller number of shares, the Warrant Share Number at the time of the record date for such dividend or distribution or the effective
date of such split, subdivision, combination or reclassification shall be proportionately adjusted so that the Holder immediately
after such record date or effective date, as the case may be, shall be entitled to purchase the number of shares of Common Stock
which such Holder would have owned or been entitled to receive in respect of the Warrant Shares after such date had this Warrant
been exercised in full immediately prior to such record date or effective date, as the case may be. In the event of such adjustment,
the Warrant Exercise Price in effect at the time of record date for such dividend or distribution or the effective date of such
split, subdivision, combination or reclassification shall be adjusted to the number obtained by dividing (x) the product of (1)
the Warrant Share Number immediately before the adjustment determined pursuant to the immediately preceding sentence and (2) the
Warrant Exercise Price in effect immediately prior to the record or effective date, as the case may be, for the dividend, distribution,
split, subdivision, combination or reclassification giving rise to such adjustment by (y) the new Warrant Share Number determined
pursuant to the immediately preceding sentence.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 1.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Distributions</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 1.25in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>If the Company shall fix a record date for the making of a dividend or other distribution (by spin-off or otherwise) to
all holders of shares of Common Stock (other than in cash) in other securities of the Company (including rights), evidences of
indebtedness of the Company or any other Person or any other property (including securities or evidences of indebtedness of a subsidiary),
or any combination thereof, excluding (i) dividends or distributions subject to adjustment pursuant to <U>Section 4(a)</U>, and
(ii) dividends or distributions of rights in connection with the adoption of a stockholder rights plan in customary form (including
with respect to the receipt of such rights in respect of shares of Common Stock (including Warrant Shares) issued subsequent to
the initial dividend or distribution of such rights), then in each such case, the Warrant Share Number in effect immediately prior
to such record date shall be increased by multiplying such Warrant Share Number by a fraction, the numerator of which is the Market
Price per share of Common Stock on such record date and the denominator of which is the Market Price per share of Common Stock
on such record date less the Distribution Fair Market Value of the securities and/or any other property, as applicable, to be so
paid or distributed in such dividend or distribution in respect of one share of Common Stock (in each case as of the record date
of such dividend or distribution); such adjustment shall be effective as of the record date for such dividend or distribution.
In the event of such adjustment, the Warrant Exercise Price shall be decreased by multiplying such Warrant Exercise Price by a
fraction, the numerator of which is the Warrant Share Number immediately prior to such adjustment, and the denominator of which
is the new Warrant Share Number determined in accordance with the immediately preceding sentence. Notwithstanding the foregoing,
in the event that the Distribution Fair Market Value of the securities and/or any other property, as applicable, to be so paid
or distributed in such dividend or distribution in respect of one share of Common Stock (in each case as of the record date of
such dividend or distribution) is equal to or greater than the Market Price per share of Common Stock on such record date, then
proper provision shall be made such that upon exercise of this Warrant, the Holder shall receive, in addition to the applicable
Warrant Shares, the amount and kind of such securities and/or any other property such Holder would have received had such Holder
exercised this Warrant immediately prior to such record date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">If the Company shall fix a record date for the making of a cash dividend on shares of Common
Stock that, together with any other cash dividends declared on shares of Common Stock during the calendar year such dividend is
declared, is in excess of 10% of the Company&rsquo;s book value, as determined in accordance with GAAP as of December 31 preceding
such record date, the Warrant Exercise Price in effect prior to such record date shall be reduced immediately thereafter by the
per share amount of such cash dividend that is in excess of 10% of the Company's book value per share. For clarity, any REIT Qualifying
Dividend declared in respect of a fiscal year shall be deemed, solely for the purpose of this Section 4(b)(ii) to have been declared
in such fiscal year. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>For purposes of the foregoing subsections (i) and (ii), to the extent that such dividend or distribution in question is
ultimately not so made or not made in full, the Warrant Exercise Price and the number of Warrant Shares issuable upon exercise
of this Warrant then in effect shall be readjusted, effective as of the date when the Board of Directors of the Company determines
not to make such dividend or distribution to the Warrant Exercise Price that would then be in effect and the number of Warrant
Shares that would then be issuable upon exercise of this Warrant if such record date had not been fixed or had been fixed for the
dividend or distribution actually made, as applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.25in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Business Combinations</U>. In case of any Business Combination or reclassification of Common Stock (other than a reclassification
of Common Stock subject to adjustment pursuant to <U>Section 4(a))</U>, in each case, as a result of which Common Stock would be
converted into, or exchanged for, stock, other securities or property (including cash or any combination thereof), notwithstanding
anything to the contrary contained herein, (i) the Company shall notify the Holder in writing of such Business Combination or reclassification
as promptly as practicable (but in no event later than five (5) Business Days prior to the effectiveness thereof), and (ii) the
Holder&rsquo;s right to receive Warrant Shares upon exercise of this Warrant shall be converted, effective upon the occurrence
of such Business Combination or reclassification, into the right to exercise this Warrant to acquire the number of shares of stock
or other securities or property (including cash or any combination thereof) that the number of shares of Common Stock equal to
the Warrant Share Number immediately prior to such Business Combination or reclassification would have been entitled to receive
upon consummation of such Business Combination or reclassification; and in any such case, if applicable, the provisions set forth
herein with respect to the rights and interests thereafter of the Holder shall be appropriately adjusted so as to be applicable,
as nearly as may reasonably be, to the Holder&rsquo;s right to exercise this Warrant in exchange for any shares of stock or other
securities or property pursuant to this paragraph. In determining the kind and amount of stock, securities or the property receivable
upon exercise of this Warrant upon and following adjustment pursuant to this paragraph, if the holders of Common Stock have the
right to elect the kind or amount of consideration receivable upon consummation of such Business Combination, then the Holder shall
have the right at the same time to make the same election with respect to the number of shares of stock or other securities or
property which the Holder will receive upon exercise of this Warrant by providing a written notice of such election to the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Certain Repurchases of Common Stock</U>. In case the Company effects a Pro Rata Repurchase of Common Stock, then the
Warrant Exercise Price shall be reduced to the price determined by multiplying the Warrant Exercise Price in effect immediately
prior to the Effective Date of such Pro Rata Repurchase by a fraction of which the numerator shall be (i) the product of (x) the
number of shares of Common Stock outstanding immediately prior to such Pro Rata Repurchase and (y) the Market Price of a share
of Common Stock on the trading day immediately preceding the first public announcement by the Company or any of its Affiliates
of the intent to effect such Pro Rata Repurchase, <I>minus</I> (ii) the aggregate purchase price of the Pro Rata Repurchase, and
of which the denominator shall be the product of (x) the number of shares of Common Stock outstanding immediately prior to such
Pro Rata Repurchase minus the number of shares of Common Stock so repurchased and (y) the Market Price per share of Common Stock
on the trading day immediately preceding the first public announcement by the Company or any of its Affiliates of the intent to
effect such Pro Rata Repurchase. In such event, the number of shares of Common Stock issuable upon the exercise of this Warrant
in full shall be increased to the number obtained by dividing (i) the product of (x) the number of shares of Common Stock issuable
upon the exercise of this Warrant before such adjustment, and (y) the Warrant Exercise Price in effect immediately prior to the
Pro Rata Repurchase giving rise to this adjustment by (ii) the new Warrant Exercise Price determined in accordance with the immediately
preceding sentence.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Rounding of Calculations; Minimum Adjustments</U>. All calculations under this <U>Section 4</U> shall be made to the
nearest one-hundredth (1/100th) of a cent or to the nearest one-tenth (1/10th) of a share, as the case may be. No adjustment in
the Warrant Exercise Price or the number of Warrant Shares into which this Warrant is exercisable shall be made if the amount of
such adjustment would be less than $0.01 or one-tenth (1/10th) of a share of Common Stock, but any such amount shall be carried
forward and an adjustment with respect thereto shall be made at the time of and together with any subsequent adjustment which,
together with such amount and any other amount or amounts so carried forward, shall aggregate $0.01 or 1/10th of a share of Common
Stock, or more.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Timing of Issuance of Additional Securities Upon Certain Adjustments</U>. In any case in which (1) the provisions of
this <U>Section 4</U> shall require that an adjustment (the &ldquo;<U>Subject Adjustment</U>&rdquo;) shall become effective immediately
after a record date (the &ldquo;<U>Subject Record Date</U>&rdquo;) for an event and (2) the Holder exercises this Warrant after
the Subject Record Date and before the consummation of such event, the Company may defer until the consummation of such event (or
if later, the calculation of the Distribution Fair Market Value, if applicable) (i) issuing to such Holder the incrementally additional
shares of Common Stock or other property issuable upon such exercise by reason of the Subject Adjustment and (ii) paying to such
Holder any amount of cash in lieu of a fractional share of Common Stock; <U>provided</U>, that the Company upon request shall promptly
deliver to such Holder a due bill or other appropriate instrument evidencing such Holder&rsquo;s right to receive such additional
shares (or other property, as applicable), and such cash, upon (and subject to) the consummation of such event (or completion of
such calculation).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Statement Regarding Adjustments</U>. Whenever the Warrant Exercise Price or the Warrant Share Number shall be adjusted
as provided in this <U>Section 4</U>, the Company shall as promptly as practicable prepare and make available to the Holder a statement
showing in reasonable detail the facts requiring such adjustment and the Warrant Exercise Price that shall be in effect and the
Warrant Share Number after such adjustment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Adjustment Rules</U>. Any adjustments pursuant to this <U>Section 4</U> shall be made successively whenever an event
referred to herein shall occur. If an adjustment in Warrant Exercise Price made hereunder would reduce the Warrant Exercise Price
to an amount below par value of the Common Stock, then such adjustment in Warrant Exercise Price made hereunder shall reduce the
Warrant Exercise Price to the par value of the Common Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Proceedings Prior to any Action Requiring Adjustment</U>. As a condition precedent to the taking of any action which
would require an adjustment pursuant to this <U>Section 4</U>, the Company shall take any action which may be necessary, including
obtaining regulatory, stock exchange or stockholder approvals or exemptions, in order that the Company may thereafter validly and
legally issue as fully paid and nonassessable all shares of Common Stock that the Holder is entitled to receive upon exercise of
this Warrant pursuant to this <U>Section 4</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Taxes</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Withholding</U>. The Company and its paying agent shall be entitled to deduct and withhold taxes on all payments and
distributions (or deemed distributions) with respect to the Warrants (or upon the exercise thereof) to the extent required by applicable
Law. To the extent that any amounts are so deducted or withheld, such deducted or withheld amounts shall be treated for all purposes
of this Warrant as having been paid to the Person in respect of which such deduction or withholding was made. In the event the
Company previously remitted any amounts to a Governmental Authority on account of taxes required to be deducted or withheld in
respect of any payment or distribution (or deemed distribution) with respect to a Warrant or upon the exercise thereof, the Company
shall be entitled (i)&nbsp;to offset any such amounts against any amounts otherwise payable in respect of such Warrant, any Warrant
Shares otherwise required to be issued upon the exercise of such Warrant or any amounts otherwise payable in respect of Warrant
Shares received upon the exercise of such Warrant, or (ii)&nbsp;to require the Person in respect of whom such deduction or withholding
was made to reimburse the Company for such amounts. Prior to deducting or withholding any amount, the Company shall, pursuant to
a written request to Holder, give the Holder a reasonable opportunity to provide any form or certificate to reduce or eliminate
any withholding or deduction described in this <U>Section 5(a)</U>. The Company shall assist, at the Holder&rsquo;s reasonable
request and expense, the Holder in securing on its behalf any available refunds and reductions of, and exemptions from, withholding
taxes and making any filings, applications or elections to obtain any refund, reduction or exemption from such withholding taxes.
Notwithstanding anything to the contrary in this <U>Section 5(a)</U>, the Company shall not withhold or deduct any amount on any
payment or distribution (or deemed distribution) if it receives (or has previously received) a duly executed, valid, accurate and
properly completed IRS Form W-9 from a Holder of Warrants, Common Stock or Warrant Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Transfer Taxes</U>. The Company shall pay any and all documentary, stamp and similar issue or transfer tax due on (x)&nbsp;the
issue of Warrants and (y)&nbsp;the issue of Warrant Shares pursuant to the exercise of a Warrant. However, in the case of the exercise
of a Warrant, the Company shall not be required to pay any Transfer Tax that may be payable in respect of the issue or delivery
(or any Transfer involved in the issue or delivery) of Warrant Shares to a beneficial owner other than the beneficial owner of
the Warrant immediately prior to such exercise, and no such issue or delivery shall be made unless and until the person requesting
such issue or delivery has paid to the Company the amount of any such Transfer Tax or has established to the satisfaction of the
Company that such Transfer Tax has been paid or is not payable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Deemed Distributions</U>. The Company shall use commercially reasonable efforts to provide, from time to time, such information
as is reasonably requested by a Purchaser in order for such Purchaser to be able to determine and comply with its tax obligations
with respect to the Warrants, the Warrant Shares and the New Shares.&nbsp; Without limiting the foregoing, the Company shall use
commercially reasonable efforts to provide from time to time, upon request, (i) estimates of earnings and profits allocable to
a Purchaser with respect to its Warrants, Warrant Shares or New Shares to the extent such estimates are available and (ii) final
amounts of earnings and profits allocable to a Purchaser with respect to its Warrants, Warrant Shares or New Shares no later than
February 10th of the calendar year following the applicable taxable year that is the subject of Purchaser&rsquo;s request.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">6.<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Frustration of Purpose</U>. The Company shall not, by amendment of its certificate of incorporation, bylaws or any of
its other organizational documents, or through any reorganization, transfer of assets, consolidation, merger, dissolution, issue
or sale of securities, or any other voluntary action, avoid or seek to avoid the observance or performance of any of the terms
to be observed or performed by it hereunder, but shall at all times in good faith assist in the carrying out of all the provisions
of this Warrant and in the taking of all such action as may reasonably be requested by the Holder in order to protect the exercise
rights of the Holder, consistent with the terms of this Warrant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">7.<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Definitions</U>. For the purposes of this Warrant, the following terms have the following meanings:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Act</U>&rdquo; has the meaning
specified under the legend hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Action</U>&rdquo; means any pending
or, to the Knowledge of the Company, threatened legal, regulatory or administrative proceeding, suit, investigation, arbitration
or action against the Company or any of its Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Affiliate</U>&rdquo; has the meaning
specified under the Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Business Combination</U>&rdquo;
means a merger, consolidation, statutory share exchange, reorganization, recapitalization or similar extraordinary transaction
(which may include a reclassification) involving the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Business Day</U>&rdquo; has the
meaning specified under the Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Certificate of Incorporation</U>&rdquo;
means the Amended and Restated Certificate of Incorporation of the Company as in effect on the Closing Date, and as from time to
time amended, modified, supplemented or restated in accordance with its terms and pursuant to applicable Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Closing Date</U>&rdquo; has the
meaning specified under the Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Code</U>&rdquo; means the United
States Internal Revenue Code of 1986, as amended from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Common Stock</U>&rdquo; means
the common stock, $0.01 par value, of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Company</U>&rdquo; has the meaning
specified in the preamble hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Competition Laws</U>&rdquo; has
the meaning specified under the Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Distribution Fair Market Value</U>&rdquo;
means, with respect to any security or other property, the fair market value of such security or other property as determined by
the Board of Directors of the Company consistent with the advice received from a nationally recognized independent investment banking
firm retained by the Company for this purpose evidenced by a certified resolution of the fair market value from the Board of Directors
of the Company delivered as promptly as practicable to the Holder. For the avoidance of doubt, the Distribution Fair Market Value
of cash shall be the amount of such cash and the Distribution Fair Market Value of a security shall be the Market Price of such
security.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Exchange Act</U>&rdquo; means
the Securities Exchange Act of 1934, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>GAAP</U>&rdquo; means generally
accepted accounting principles in the United States, consistently applied.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Holder</U>&rdquo; means the Person
or Persons who shall from time to time own this Warrant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Knowledge</U>&rdquo; has the meaning
specified under the Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Law</U>&rdquo; has the meaning
specified under the Investment Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Market Price</U>&rdquo; means,
with respect to the Common Stock or any other security, on any given day, the last sale price, regular way, or, in case no such
sale takes place on such day, the average of the closing bid and asked prices, regular way, of the shares of the Common Stock or
of such security, as applicable, on the principal exchange or market on which the Common Stock or such security, as applicable,
is so listed or quoted or, if the Common Stock or such other security is not so publicly traded, such fair market value as determined
by the Board consistent with the advice received from a nationally recognized independent investment banking firm retained by the
Company for this purpose.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>New Term Loan</U>&rdquo; means
the loans provided by the Lenders pursuant to the New Credit Agreement, such loans having an initial principal amount equal to
$500,000,000.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Person</U>&rdquo; means an individual,
corporation, limited liability company, partnership, joint venture, association, trust, unincorporated organization or any other
entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Pro Rata Repurchase</U>&rdquo;
means any purchase of shares of Common Stock by the Company or any Affiliate thereof pursuant to (A) any tender offer or exchange
offer subject to Section 13(e) of the Exchange Act, or (B) pursuant to any other offer available to all or substantially all holders
of Common Stock, in each case whether for cash, shares of capital stock of the Company, other securities of the Company, evidences
of indebtedness of the Company or any other Person or any other property, or any combination thereof, effected while this Warrant
is outstanding; <U>provided</U>, <U>however</U>, that &ldquo;Pro Rata Repurchase&rdquo; shall not include any purchase of shares
by the Company or any Affiliate thereof made in accordance with the requirements of Rule 10b-18 as in effect under the Exchange
Act, via privately negotiated transactions or structured share repurchase transactions. The &ldquo;<U>Effective Date</U>&rdquo;
of a Pro Rata Repurchase shall mean the date of acceptance of shares for purchase or exchange under any tender or exchange offer
which is a Pro Rata Repurchase or the date of purchase with respect to any Pro Rata Repurchase that is not a tender or exchange
offer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Regulatory Determination</U>&rdquo;
means a determination made by the Holder in its sole discretion that (i) a transfer to a third party is reasonably necessary for
the Holder or any of its Affiliates to comply with any applicable Laws or (ii) beneficial ownership of the Warrant Shares by the
Holder or its Affiliates would require a filing, license, permit or authorization with or from any Governmental Authority (as defined
in the Investment Agreement) which the Holder determines would not be advisable to obtain or make.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>REIT Qualifying Dividend</U>&rdquo;
means a dividend or distribution necessary to maintain the Company&rsquo;s status as a real estate investment trust under Sections
856 through 860 of the Code, or to avoid the payment by the Company or its subsidiaries (other than any &ldquo;taxable REIT subsidiary,&rdquo;
as defined in Section 856(l) of the Code) of any federal, state or local income or excise tax (including, but not limited to, Sections
857 and 4981 of the Code).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Term</U>&rdquo; has the meaning
specified in <U>Section&nbsp;1</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Warrant</U>&rdquo; means this
Warrant and any other warrants of like tenor issued in substitution or exchange for any thereof pursuant to the provisions hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Warrant Exercise Price</U>&rdquo;
means $[&#9;], subject to adjustment as set forth herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Warrant Share Number</U>&rdquo;
means [&#9;], subject to adjustment as set forth herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<U>Warrant Shares</U>&rdquo; means,
subject to <U>Section 4(c)</U>, shares of Common Stock issuable upon exercise of this Warrant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">8.<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Amendment and Waiver</U>. Any term, covenant, agreement or condition in this Warrant may be amended, or compliance therewith
may be waived (either generally or in a particular instance and either retroactively or prospectively), by a written instrument
or written instruments executed by the Company and the Holder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">9.<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Governing Law; Jurisdiction; Specific Performance</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Governing Law and Enforcement.</U> This Warrant shall be governed by, and construed in accordance with, the laws of the
State of New York, without giving effect to any choice or conflict of law provision or rule (whether of the State of New York or
any other jurisdiction) that would cause the application of laws of any jurisdiction other than those of the State of New York.
All Actions arising out of or relating to this Warrant shall be heard and determined in any court located in New York State or
federal court sitting in the Borough of Manhattan in the City of New York (or, if such court lacks subject matter jurisdiction,
in any appropriate New York State or federal court) and the parties hereto hereby irrevocably submit to the exclusive jurisdiction
and venue of such courts in any such Action and irrevocably waive the defense of an inconvenient forum or lack of jurisdiction
to the maintenance of any such Action. The consents to jurisdiction and venue set forth in this <U>Section 9</U> shall not constitute
general consents to service of process in the State of New York and shall have no effect for any purpose except as provided in
this paragraph and shall not be deemed to confer rights on any Person other than the parties hereto. Each party hereto agrees that
service of process upon such party in any Action arising out of or relating to this Warrant shall be effective if notice is given
by overnight courier at the address set forth in <U>Section 10</U> of this Warrant. The parties hereto agree that a final judgment
in any such Action shall be conclusive and may be enforced in other jurisdictions by suit on the judgment or in any other manner
provided by applicable Law; <U>provided</U>, however, that nothing in the foregoing shall restrict any party&rsquo;s rights to
seek any post-judgment relief regarding, or any appeal from, a final trial court judgment. The parties hereto agree that irreparable
damage for which monetary relief, even if available, would not be an adequate remedy, would occur in the event that the parties
hereto do not perform the provisions of this Warrant in accordance with its specified terms or otherwise breach such provisions.
Accordingly, the parties acknowledge and agree that the parties shall be entitled to seek an injunction or injunctions, specific
performance or other equitable relief to prevent breaches of this Warrant and to enforce specifically the terms and provisions
hereof in the courts without proof of damages or otherwise, this being in addition to any other remedy to which they are entitled
under this Warrant, and this right of specific enforcement is an integral part of the terms of this Warrant. The parties agree
not to assert that a remedy of specific enforcement is unenforceable, invalid, contrary to Law or inequitable for any reason, and
agree not to assert that a remedy of monetary damages would provide an adequate remedy or that the parties otherwise have an adequate
remedy at law. The parties acknowledge and agree that any party shall not be required to provide any bond or other security in
connection with its pursuit of an injunction or injunctions to prevent breaches of this Warrant and to enforce specifically the
terms and provisions hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><FONT STYLE="font-size: 10pt">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Waiver of Jury Trial</U></FONT>. <FONT STYLE="font-size: 10pt">EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY
THAT MAY ARISE UNDER THIS WARRANT IS LIKELY TO INVOLVE COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE IT HEREBY IRREVOCABLY AND
UNCONDITIONALLY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN RESPECT
OF ANY LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS WARRANT OR THE TRANSACTIONS CONTEMPLATED HEREBY. EACH
PARTY CERTIFIES AND ACKNOWLEDGES THAT (I) NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR
OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT, IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, (II) IT UNDERSTANDS
AND HAS CONSIDERED THE IMPLICATIONS OF SUCH WAIVER, (III) IT MAKES SUCH WAIVER VOLUNTARILY AND (IV) IT HAS BEEN INDUCED TO EXECUTE
THIS WAIVER BY, AMONG OTHER THINGS, THE MUTUAL WAIVER AND CERTIFICATIONS IN THIS <U>SECTION 9.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">10.<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Notices</U><FONT STYLE="font-size: 10pt">. All notices, requests, claims, demands and other communications under this
Warrant shall be in writing and shall be given or made (and shall be deemed to have been duly given or made upon receipt) by delivery
in person, by overnight courier service, by email with receipt confirmed, or by registered or certified mail (postage prepaid,
return receipt requested) to the respective parties hereto at the following respective addresses (or at such other address for
a party hereto as shall be specified in a notice given in accordance with this <U>Section&nbsp;10</U>):</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)&nbsp;If to the Holder:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Attn: &nbsp;&nbsp;&nbsp;&nbsp;[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Phone: &nbsp;[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Email:&nbsp;&nbsp;&nbsp; [&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">with a copy to (which copy alone shall not constitute
notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Sidley Austin LLP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">787 Seventh Avenue</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">New York, NY 10019</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Attn: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Adam Weinstein</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-indent: 0.5in">Daniel Serota</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Phone: &nbsp;&nbsp;&nbsp;(212) 839-5371</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Fax: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(212) 839-5599</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Email:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;AWeinstein@sidley.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-indent: 0.5in">Dserota@sidley.com</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">(b)&nbsp;If to the Company:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">MFA Financial, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">350 Park Avenue, 20th Floor</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">New York, New York 10022</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Attn: &nbsp;&nbsp;&nbsp;&nbsp;General Counsel</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Phone: 212-207-6454</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Email: &nbsp;&nbsp;&nbsp;Hschwartz@mfafinancial.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.25in; text-indent: 0.5in">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;legal@mfafinancial.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.25in; text-indent: 0.5in">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">with a copy to (which copy alone shall not constitute
notice):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Skadden, Arps, Slate, Meagher &amp; Flom LLP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">One Manhattan West</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">New York, New York 10001</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Attn: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;David J. Goldschmidt</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.25in; text-indent: 0.5in">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Thomas Greenberg</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Phone: &nbsp;&nbsp;(212) 735-3574</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Fax: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(917) 777-3574</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in">Email: &nbsp;&nbsp;&nbsp;David.Goldschmidt@skadden.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.25in; text-indent: 0.5in">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Thomas.Greenberg@skadden.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.25in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">11.<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Successors and Assigns</U><FONT STYLE="font-size: 10pt">. This Warrant and the rights evidenced hereby shall inure to
the benefit of and be binding upon the Company and the Holder and their respective successors and permitted assigns (subject to
<U>Section&nbsp;2(f)</U> with respect to the Holder).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">12.<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Modification and Severability</U><FONT STYLE="font-size: 10pt">. The provisions of this Warrant will be deemed severable
and the invalidity or unenforceability of any provision will not affect the validity or enforceability of any other provision hereof.
To the fullest extent permitted by law, if any provision of this Warrant, or the application thereof to any Person or circumstance,
is invalid or unenforceable (a)&nbsp;a suitable and equitable provision will be substituted therefor in order to carry out, so
far as may be valid and enforceable, the intent and purpose of such invalid or unenforceable provision and (b)&nbsp;the remainder
of this Warrant and the application of such provision to other Persons, entities or circumstances will not be affected by such
invalidity or unenforceability.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">13.<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Interpretation</U><FONT STYLE="font-size: 10pt">. When a reference is made in this Warrant to a Section, such reference
shall be to a Section of this Warrant unless otherwise indicated. The headings contained in this Warrant are for reference purposes
only and shall not affect in any way the meaning or interpretation of this Warrant. Whenever the words &ldquo;<U>include</U>,&rdquo;
 &ldquo;<U>includes</U>&rdquo; or &ldquo;<U>including</U>&rdquo; are used in this Warrant, they shall be deemed to be followed by
the words &ldquo;<U>without limitation</U>.&rdquo; The words &ldquo;<U>hereof</U>,&rdquo; &ldquo;<U>herein</U>&rdquo; and &ldquo;<U>hereunder</U>&rdquo;
and words of similar import when used in this Warrant shall refer to this Warrant as a whole and not to any particular provision
of this Warrant unless the context requires otherwise. The words &ldquo;<U>date hereof</U>&rdquo; when used in this Warrant shall
refer to the date of this Warrant. The terms &ldquo;<U>or</U>,&rdquo; &ldquo;<U>any</U>&rdquo; and &ldquo;<U>either</U>&rdquo;
are not exclusive. The word &ldquo;<U>extent</U>&rdquo; in the phrase &ldquo;<U>to the extent</U>&rdquo; shall mean the degree
to which a subject or other thing extends, and such phrase shall not mean simply &ldquo;<U>if</U>.&rdquo; The word &ldquo;<U>will</U>&rdquo;
shall be construed to have the same meaning and effect as the word &ldquo;<U>shall</U>.&rdquo; All terms defined in this Warrant
shall have the defined meanings when used in any document made or delivered pursuant hereto unless otherwise defined therein. The
definitions contained in this Warrant are applicable to the singular as well as the plural forms of such terms and to the masculine
as well as to the feminine and neuter genders of such term. Any agreement, instrument or statute defined or referred to herein
or in any agreement or instrument that is referred to herein means such agreement, instrument or statute as from time to time amended,
modified or supplemented, including (in the case of agreements or instruments) by waiver or consent and (in the case of statutes)
by succession of comparable successor statutes and references to all attachments thereto and instruments incorporated therein.
Unless otherwise specifically indicated, all references to &ldquo;<U>dollars</U>&rdquo; or &ldquo;<U>$</U>&rdquo; shall refer to
the lawful money of the United States. References to a Person are also to its permitted assigns and successors. When calculating
the period of time between which, within which or following which any act is to be done or step taken pursuant to this Warrant,
the date that is the reference date in calculating such period shall be excluded (unless otherwise required by Law, if the last
day of such period is not a Business Day, the period in question shall end on the next succeeding Business Day).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature pages follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">IN WITNESS WHEREOF, the Company has duly
executed this Warrant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Dated:&nbsp;&nbsp;June 26, 2020.</FONT></TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">MFA FINANCIAL, INC.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; width: 45%"><FONT STYLE="font-size: 10pt">/s/ Harold E. Schwartz</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="font-size: 10pt"> <FONT STYLE="font-size: 10pt">Harold E. Schwartz</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Senior Vice President,</FONT> <FONT STYLE="font-size: 10pt">General Counsel and Secretary</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">[<I>Signature Page
to Warrant</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Agreed and Acknowledged:</FONT></TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    </TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    </TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]</FONT></TD>
    <TD>&nbsp;</TD>
    </TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="font-size: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    </TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">By: </FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 10pt"><FONT STYLE="font-size: 10pt">/s/ [&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]</FONT></TD>
    <TD>&nbsp;</TD>
    </TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="font-size: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    </TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; width: 3%">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; width: 5%"><FONT STYLE="font-size: 10pt">Name:&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; width: 42%"><FONT STYLE="font-size: 10pt">[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]</FONT></TD>
    <TD STYLE="width: 50%">&nbsp;</TD>
    </TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]</FONT></TD>
    <TD>&nbsp;</TD>
    </TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">[<I>Signature Page
to Warrant</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">EXERCISE FORM<BR>
(To be executed by the registered holder hereof)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The undersigned registered owner of this
Warrant hereby irrevocably elects to exercise the right to purchase represented by the attached Warrant for, and to purchase thereunder,
_____________ shares of Common Stock, par value $0.01 per share (the &ldquo;<U>Common Stock</U>&rdquo;), of MFA FINANCIAL, INC.,
a Maryland corporation (the &ldquo;<U>Company</U>&rdquo;), as provided for therein, and in consideration therewith hereby agrees,
as indicated below, to pay the Warrant Exercise Price by either (A) tendering in cash, either by certified or cashier&rsquo;s check
payable to the order of the Company or by wire transfer of immediately available funds to an account designated by the Company,
(B) by means of cashless exercise (as specified in Sections 2(b) and (c) of the Warrant), or (C) some combination of the foregoing,
in each case in accordance with the terms and conditions of the attached Warrant. All capitalized terms used but not defined in
this exercise form shall have the meanings ascribed thereto in the attached Warrant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in">Method of Exercise (please initial the applicable
blank):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">_____ The undersigned elects
to exercise the attached Warrant by means of a cash payment, and tenders herewith payment in full for the purchase price of the
shares of Common Stock being purchased, together with all applicable Transfer Taxes, if any.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">_____ The undersigned elects
to exercise the attached Warrant pursuant to the cashless exercise provisions described in Section 2(b) and (c) of the Warrant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">_____ The undersigned elects
to exercise the attached Warrant by means of a partial payment in cash combined with a cashless exercise for the remainder, to
be allocated as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">______% Cash
payment</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">______% Cashless exercise</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Please issue a certificate or certificates
representing the applicable number of Warrant Shares issuable pursuant to the Warrant in the name of the undersigned.&#9;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If said number of shares of Common Stock
shall not be all the shares of Common Stock issuable upon exercise of the attached Warrant, a new Warrant is to be issued in the
name of the undersigned for the balance remaining of such shares of Common Stock less any fraction of a share of Common Stock paid
in cash.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Dated: </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Name of Holder</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 44%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; width: 6%"><FONT STYLE="font-size: 10pt">Signature&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; width: 43%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Address</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;&nbsp;</P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">ASSIGNMENT FORM</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(To be executed by the registered holder hereof)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">FOR VALUE RECEIVED, the undersigned hereby sells, assigns and
transfers unto ___________ the within Warrant and all rights evidenced thereby and does irrevocably constitute and appoint ___________,
attorney, to transfer the said Warrant on the books of the within named corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">Dated:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 44%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; width: 6%"><FONT STYLE="font-size: 10pt">Signature&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; width: 43%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Address</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">PARTIAL ASSIGNMENT<BR>
(To be executed by the registered holder hereof)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">FOR VALUE RECEIVED, the undersigned hereby
sells, assigns and transfers unto ___________ the right to purchase shares of the Common Stock issuable upon exercise of the attached
Warrant, and does irrevocably constitute and appoint ___________, attorney, to transfer that part of the said Warrant on the books
of the within named corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%">Dated:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 44%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; width: 6%"><FONT STYLE="font-size: 10pt">Signature&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; width: 43%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Address</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">FOR USE BY THE ISSUER ONLY:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This Warrant No. W-1 cancelled (or transferred
or exchanged) this day of _________, 20__, ___________ shares of Common Stock issued therefor in the name of ______________, Warrant
No.&nbsp;W-1 issued for shares of Common Stock in the name of ___________.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.5
<SEQUENCE>6
<FILENAME>tm2023506d1_ex10-5.htm
<DESCRIPTION>EXHIBIT 10.5
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: right"><B>Exhibit 10.5</B></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">EXECUTION VERSION</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center"><U>REINSTATEMENT
AGREEMENT</U></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">THIS REINSTATEMENT
AGREEMENT, dated as of June 26, 2020 (this &ldquo;<U>Agreement</U>&rdquo;), by and among MFA Financial, Inc. and its undersigned
affiliates, jointly and severally (each, a &ldquo;<U>Seller Entity</U>&rdquo; and, collectively, the &ldquo;<U>Companies</U>&rdquo;),
and the buyer parties listed on <U>Schedule 1</U> hereto (collectively, the &ldquo;<U>Participating Counterparties</U>&rdquo;),
recites and provides as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center"><U>RECITALS</U></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Companies are party to various repurchase agreements, including any amendments thereto, and other related agreements
with the Participating Counterparties, as well as certain other agreements with the Participating Counterparties, including those
set forth on <U>Schedule 2</U> (such agreements, collectively, the &ldquo;<U>Applicable Agreements</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Companies are party to that certain Forbearance Agreement, dated as of April 10, 2020 (the &ldquo;<U>First Forbearance
Agreement</U>&rdquo;), with certain buyer parties listed on <U>Schedule 1</U> thereto (the &ldquo;<U>First Forbearance Counterparties</U>&rdquo;),
and the forbearance period under the First Forbearance Agreement ended on April 27, 2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">C.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Companies are party to that certain Second Forbearance Agreement, dated as of April 27, 2020 (the &ldquo;<U>Second Forbearance
Agreement</U>&rdquo;), with certain buyer parties listed on <U>Schedule 1</U> thereto, and the forbearance period under the Second
Forbearance Agreement ended on June 1, 2020 (the forbearance period from April 28, 2020, through June 1, 2020, is referred to herein
as the &ldquo;<U>Second Forbearance Period</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">D.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Companies are party to that certain Third Forbearance Agreement, dated as of June 1, 2020 (the &ldquo;<U>Third Forbearance
Agreement</U>&rdquo; and, together with the First Forbearance Agreement and the Second Forbearance Agreement, the &ldquo;<U>Forbearance
Agreements</U>&rdquo;), with certain buyer parties listed on <U>Schedule 1</U> thereto, and the forbearance period under the Third
Forbearance Agreement is scheduled to end on June 26, 2020 (the forbearance period from June 1, 2020, through the date hereof is
referred to herein as the &ldquo;<U>Third Forbearance Period</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">E.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Companies acknowledge and agree that on or prior to the date on which (a) this Agreement has been executed by the Companies
and the Participating Counterparties and (b) the matters set forth on <U>Schedule 3</U> have occurred (the &ldquo;<U>Effective
Date</U>&rdquo;), various defaults and/or events of default existed under the terms of one or more of the Applicable Agreements
and the Other Agreements with Participating Counterparties, including without limitation, on account of (i) the failure by one
or more Seller Entities to make certain payments to the applicable Participating Counterparties under the Applicable Agreements
related to margin calls, requests for payments, other payment provisions, financial covenants, or termination provisions, (ii)
the failure by one or more Seller Entities to deliver certain notices or certificates to Participating Counterparties, (iii) cross-default
provisions under the Applicable Agreements, and/or (iv) the breach of certain representations, warranties and covenants arising
out of or related to the circumstances described in clauses (i) &ndash; (iii) (collectively, the &ldquo;<U>Effective Date Events
of Default</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">F.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Companies have requested that the Participating Counterparties waive any and all rights and remedies under the Applicable
Agreements and under applicable law and in equity relating to any and all of the Effective Date Events of Default.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">G.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Participating Counterparties have agreed to waive their respective rights and remedies with respect to the Effective
Date Events of Default on the terms and subject to the conditions set forth in this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">H.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Certain capitalized terms in this Agreement are defined in Section 20.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center"><U>AGREEMENT</U></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">NOW, THEREFORE, for
and in consideration of the promises, mutual covenants, releases, and agreements herein, and other good and valuable consideration,
the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">1.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><U>Effective Date Events of Default</U></B>. Effective as of the Effective Date, each Participating Counterparty hereby
irrevocably, absolutely, and permanently waives the Effective Date Events of Default arising under the Applicable Agreements and
the Other Agreements to which such Participating Counterparty is a party and any and all rights and remedies of such Participating
Counterparty arising as a result of such Effective Date Events of Default.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">2.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><U>Reinstatement</U></B>. As of the Effective Date, the Third Forbearance Agreement is hereby terminated and each Participating
Counterparty hereby reinstates each of its Applicable Agreements and Other Agreements on its individual terms except as overridden
by Section 3 hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">3.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><U>Override</U></B>. Each of the Participating Counterparties and each of the Companies hereby agree that, as of the
Effective Date,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(i)</TD><TD STYLE="text-align: justify">the occurrence of any Event of Default in any Applicable Agreement or any Other Agreement entered
into by a Participating Counterparty or its affiliates and any Seller Entity or Affiliate shall constitute an Event of Default
under all Applicable Agreements and Other Agreements between such Participating Counterparty and its affiliates, on the one hand,
and all Seller Entities and Affiliates, on the other hand; provided, however, for the avoidance of doubt, that the cross-default
provisions set forth in this Section 3(i) are in addition to and do not supersede any cross-default provisions in any Applicable
Agreement or Other Agreement;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD STYLE="text-align: justify">to the extent not specifically authorized in any Applicable Agreement or any Other Agreement, all
Applicable Agreements and Other Agreements are hereby overridden to provide that any Participating Counterparty or affiliate party
thereto, without prior notice to any Seller Entity or its Affiliates, any such notice being expressly waived by the applicable
Seller Entity or its Affiliates to the extent permitted by applicable law, may set-off and appropriate and apply against any obligation
of any Seller Entity or its Affiliates to such Participating Counterparty or any of its affiliates arising under any such Applicable
Agreement or Other Agreement any and all cash, collateral, and deposits (general or special, time or demand, provisional or final),
in any currency (including, without limitation, any amounts held in prime brokerage accounts), and any other obligations (including
to return excess margin), credits, indebtedness or claims, in any currency, in each case whether direct or indirect, absolute or
contingent, matured or unmatured, at any time held or owing by or due from such Participating Counterparty or any affiliate thereof
to or for the credit or the account of any Seller Entity or Affiliates thereof, but only to the extent the obligations under such
Applicable Agreement or Other Agreement are recourse obligations to MFA Financial, Inc. or such Affiliates. Such Participating
Counterparty and its affiliates agree to promptly notify the applicable Seller Entity or Affiliates thereof after any such set-off
and application made by such Participating Counterparty or any affiliate thereof, provided that the failure to give such notice
shall not affect the validity of such set-off and application. For the avoidance of doubt, the set-off provisions set forth in
this Section 3(ii) are in addition to and do not supersede any set-off provisions in any Applicable Agreement or Other Agreement;
and</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(iii)</TD><TD STYLE="text-align: justify">to the extent one or more Seller Entities were required by an Applicable Agreement to deliver notices
or certificates to a Participating Counterparty prior to the Effective Date or such delivery requirement was triggered by the occurrence
of an event occurring on or prior to the Effective Date, such requirement is hereby waived.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><U>Release of Security Interest and Direction to Collateral Agent</U></B>. Each of the Participating Counterparties hereby
(i) terminates and releases any security interest in or lien on the Designated Assets (as defined in the First Forbearance Agreement)
that it has; (ii)&nbsp;waives and releases any and all rights it has related to Designated Assets or otherwise arising under the
Security and Collateral Agency Agreement (other than contingent indemnification rights set forth in Section 6.6 thereof); and (iii)&nbsp;agrees
that the Security and Collateral Agency Agreement is hereby terminated and shall be of no further force and effect, subject to
the terms thereof that expressly survive such termination and as set forth in the last sentence of this paragraph. The Companies
are hereby authorized to file termination statements with respect to all financing statements filed under the Uniform Commercial
Code or other applicable law on behalf of the Collateral Agent with respect to the liens granted under the Security and Collateral
Agency Agreement. Pursuant to Section 5.2 of the Security and Collateral Agency Agreement, each of the Participating Counterparties
hereby directs the Collateral Agent to make, execute, endorse, acknowledge, and/or deliver such agreements, documents, instruments
and further assurances and take such other actions as may be reasonably necessary or advisable to terminate the Security and Collateral
Agency Agreement, all Deposit Account Control Agreements entered into under Section 7.3 of the Security and Collateral Agency Agreement,
and to terminate, modify, or revoke all servicer side letters delivered under the Security and Collateral Agency Agreement. For
the avoidance of doubt, the foregoing release shall have no effect on collateral and/or security interests granted under Applicable
Agreements or Other Agreements. Pursuant to Section 5.2 of the Security and Collateral Agency Agreement, the Participating Counterparties
hereby certify to the Collateral Agent that, as of the date hereof, and as confirmed by MFA Financial, Inc., they collectively
represent the Majority Participating Counterparties (as defined in the Security and Collateral Agency Agreement). The Participating
Counterparties agree that all action taken by the Collateral Agent in connection with this &ldquo;Authorization and Direction&rdquo;
is covered by the fee and indemnification provisions set forth in the Security and Collateral Agency Agreement and that Wilmington
Trust, National Association shall be fully indemnified by the Participating Counterparties in connection with action taken pursuant
to this Authorization and Direction, except to the extent resulting from the Collateral Agent&rsquo;s gross negligence or willful
misconduct.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><U>Interest Rate</U></B>. As of the Effective Date, notwithstanding any term in any Applicable Agreement, Other Agreement,
or any of the Forbearance Agreements to the contrary, the rate of interest or the pricing rate, as applicable, that shall accrue
on any and all obligations of any Seller Entity owed to each Participating Counterparty under such Applicable Agreement or Other
Agreement shall be the non-default rate of interest or pricing rate, as applicable, specified in such Applicable Agreement or Other
Agreement (including as amended in connection herewith or from time to time hereafter).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">6.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><U>Application of Cash Margin</U></B>. Within three (3) business days following the Effective Date, each Participating
Counterparty shall apply all cash margin held in connection with transactions under an Applicable Agreement to the accrued and
unpaid interest and outstanding principal owed under such Applicable Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">7.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><U>Repo Tracker</U></B>. Within three (3) business days after the receipt of a notice from a Seller Entity, which notices
may be delivered from time to time, the applicable Participating Counterparty shall take actions within such Participating Counterparty&rsquo;s
control to have the DTC repo tracker turned &ldquo;on&rdquo; with respect to assets subject to the Applicable Agreements identified
in such notice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">8.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><U>Payment Covenants by the Companies</U>. </B>The Companies hereby covenant that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">within three (3) business days after receipt of an invoice therefor following the Effective Date,
the Companies shall pay the reasonable fees and out-of-pocket expenses of counsel and other professional advisors to each counsel
and professional advisor for the Participating Counterparties and the Collateral Agent incurred on or prior to the Effective Date;
and</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">within five (5) business days following the Effective Date, the Companies shall make a payment
to each Participating Counterparty in the amount of all accrued and unpaid interest, if any, accrued at the Contractual Rate (as
defined in the Second Forbearance Agreement and the Third Forbearance Agreement) in excess of the Common Rate (as defined in the
Second Forbearance Agreement and the Third Forbearance Agreement) during the Second Forbearance Period and the Third Forbearance
Period.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">9.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><U>Representations and Warranties by All Parties</U></B>. Each of the parties hereto hereby represents and warrants that
each of the following statements is true, accurate and complete as to such party as of the date hereof:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">Such party has carefully read and fully understood all of the terms and conditions of this Agreement;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">Such party has consulted with, or had a full and fair opportunity to consult with, an attorney
regarding the terms and conditions of this Agreement;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify">Such party has had a full and fair opportunity to participate in the drafting of this Agreement;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(d)</TD><TD STYLE="text-align: justify">Such party is freely, voluntarily, knowingly, and intelligently entering into this Agreement;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(e)</TD><TD STYLE="text-align: justify">In entering into this Agreement, such party has not relied upon any representation, warranty, covenant
or agreement not expressly set forth herein or in its respective Applicable Agreement;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(f)</TD><TD STYLE="text-align: justify">This Agreement has been duly authorized and validly executed and delivered by such party and constitutes
such party&rsquo;s legal, valid and binding obligation, enforceable in accordance with its terms;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(g)</TD><TD STYLE="text-align: justify">Such party is executing this Agreement and agreeing to be bound on account of all Applicable Agreements
to which it is a party; and</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(h)</TD><TD STYLE="text-align: justify">Such party is duly organized, validly existing and in good standing under the laws of its jurisdiction
of formation and has the full power and legal authority to execute this Agreement, consummate the transactions contemplated hereby,
and perform its obligations hereunder.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">10.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><U>Releases</U></B>. Upon execution of this Agreement by each of the Companies and each of the Participating Counterparties,
the Companies, on behalf of themselves and their successors or assigns (collectively, the &ldquo;<U>Releasing Parties</U>&rdquo;),
release, waive and forever discharge (and further agree not to allege, claim or pursue) any and all claims, rights, causes of action,
counterclaims or defenses of any kind whatsoever whether at law, in equity or otherwise (including, without limitation, any claims
relating to (i) the making or administration of transactions under the Applicable Agreements, Other Agreements and Forbearance
Agreements (including any acts or omissions in respect of margin calls, close-outs, related valuations, and notice requirements),
including, without limitation, any such claims and defenses based on fraud, mistake, duress, usury or misrepresentation, or any
other claim based on so-called &ldquo;lender liability&rdquo; theories, (ii) any covenants, agreements, duties or obligations set
forth in the Applicable Agreements, Other Agreements or Forbearance Agreements, (iii) increased financing costs, interest or other
carrying costs, (iv) penalties, lost profits or loss of business opportunity, (vi) legal, accounting and other administrative or
professional fees and expenses and incidental, consequential and punitive damages payable to third parties, (vii) damages to business
reputation, (viii) any claims arising under 11 U.S.C. &sect;&sect; 541-550 or any claims for avoidance or recovery under any other
federal, state or foreign law equivalent, or (ix) any claims arising from any actual or alleged decline in the value of any assets
under Applicable Agreements or Other Agreements prior to the Effective Date), which any of the Releasing Parties might otherwise
have or may have against the Participating Counterparties, their present or former subsidiaries and affiliates or any of the officers
directors, employees, attorneys or other representatives or agents of any of the foregoing (collectively, the &ldquo;<U>Releasees</U>&rdquo;),
in each case, on account of any conduct, condition, act, omission, event, contract, liability, obligation, demand, covenant, promise,
indebtedness, claim, right, cause of action, suit, damage, defense, judgment, circumstance or matter of any kind whatsoever which
existed, arose or occurred at any time prior to the Effective Date relating to the Applicable Agreements, the Other Agreements,
this Agreement and/or the transactions contemplated thereby or hereby (any of the foregoing, a &ldquo;<U>Claim</U>&rdquo;). Each
of the Releasing Parties expressly acknowledges and agrees, with respect to the Claims, that it waives, to the fullest extent permitted
by applicable law, any and all provisions, rights, and benefits conferred by any applicable U.S. federal or state law, or any principle
of U.S. common law, that would otherwise limit a release or discharge of any unknown Claims pursuant to this paragraph. Furthermore,
each of the Releasing Parties hereby absolutely, unconditionally and irrevocably covenants and agrees with and in favor of each
Releasee that it will not sue (at law, in equity, in any regulatory proceeding or otherwise) any Releasee on the basis of any Claim
released and/or discharged by the Releasing Parties pursuant to this paragraph. The foregoing release, covenant and waivers of
this paragraph shall survive and remain in full force and effect regardless of the consummation of the transactions contemplated
hereby or the termination of the Applicable Agreements, the Other Agreements, this Agreement or any provision thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">11.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><U>No Waiver of Rights or Remedies</U></B>. The Participating Counterparties and the Companies agree that except as expressly
set forth herein, nothing in this Agreement or the performance by the parties of their respective obligations hereunder constitutes
or shall be deemed to constitute a waiver of any of the parties&rsquo; rights or remedies under the terms of such Applicable Agreement
or applicable law, all of which are hereby reserved, including without limitation, (i)&nbsp;any rights that the Participating Counterparties
may have to charge interest at a post-default rate under the terms of such Applicable Agreement based on any defaults, events of
default, or termination events based on facts or circumstances arising after the Effective Date, and (ii) any rights or remedies
in connection with any bankruptcy proceedings in respect of a Seller Entity (to which this Agreement shall not apply). Except as
expressly set forth in this Agreement, this Agreement is not intended to be, and shall not be deemed or construed to be, an amendment,
supplement, modification, cure, satisfaction, reinstatement, novation, or release of the Applicable Agreements or any indebtedness
incurred thereunder or evidenced thereby. This Agreement is limited in nature and nothing herein shall be deemed to establish a
custom or course of dealing between any Participating Counterparty and any Seller Entity. Except as expressly set forth in this
Agreement, this Agreement shall not extinguish the obligations for the payment of money outstanding under any Applicable Agreement
or discharge or release any collateral or other security therefor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">12.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><U>Safe Harbor</U></B>. Each of the parties hereto intends (i)&nbsp;for this Agreement to qualify for the safe harbor
treatment provided by the Bankruptcy Code and for each of the Participating Counterparties to be entitled to all of the rights,
benefits and protections afforded to Persons under the Bankruptcy Code with respect to a &ldquo;repurchase agreement&rdquo; as
defined in Section 101(47) of the Bankruptcy Code, a &ldquo;securities contract&rdquo; as defined in Section&nbsp;741(7) of the
Bankruptcy Code and a &ldquo;master netting agreement&rdquo; as defined in Section 101(38A) of the Bankruptcy Code, and that all
payments and other transfers made under or pursuant to this Agreement are deemed &ldquo;margin payments&rdquo; or &ldquo;settlement
payments,&rdquo; as defined in Section&nbsp;741 of the Bankruptcy Code and (ii)&nbsp;that each Participating Counterparty (for
so long as such Participating Counterparty is a &ldquo;financial institution,&rdquo; &ldquo;financial participant&rdquo; or other
entity listed in Section&nbsp;555, 559, 561, 362(b)(6), 362(b)(7) or 362(b)(27) of the Bankruptcy Code) shall be entitled to, without
limitation, the liquidation, termination, acceleration, netting, set-off, and non-avoidability rights afforded to parties such
as such Participating Counterparty to &ldquo;repurchase agreements&rdquo; pursuant to Sections 559, 362(b)(7) and 546(f) of the
Bankruptcy Code, &ldquo;securities contracts&rdquo; pursuant to Sections 555, 362(b)(6) and 546(e) of the Bankruptcy Code and &ldquo;master
netting agreements&rdquo; pursuant to Sections 561, 362(b)(27) and 546(j) of the Bankruptcy Code. The parties hereto further acknowledge
and agree that if any Participating Counterparty is an &ldquo;insured depository institution,&rdquo; as such term is defined in
the Federal Deposit Insurance Act, as amended (&ldquo;<U>FDIA</U>&rdquo;), then this Agreement hereunder is a &ldquo;qualified
financial contract,&rdquo; as that term is defined in FDIA and any rules, orders or policy statements thereunder (except insofar
as the type of assets subject to this Agreement would render such definition inapplicable). The parties hereto further acknowledge
and agree that this Agreement constitutes a &ldquo;netting contract&rdquo; as defined in and subject to Title&nbsp;IV of the Federal
Deposit Insurance Corporation Improvement Act of 1991 (&ldquo;<U>FDICIA</U>&rdquo;) and each payment entitlement and payment obligation
under any Transaction shall constitute a &ldquo;covered contractual payment entitlement&rdquo; or &ldquo;covered contractual payment
obligation,&rdquo; respectively, as defined in and subject to FDICIA (except insofar as a party is not a &ldquo;financial institution&rdquo;
as that term is defined in FDICIA). The parties agree that the terms of Section 1 and Section 2 and the related defined terms of
the form of bilateral template entitled &ldquo;Full-Length Omnibus (for use between U.S. G-SIBs and Corporate Groups)&rdquo; published
by ISDA on November 2, 2018 (currently available on the 2018 ISDA U.S. Resolution Stay Protocol page at www.isda.org), are hereby
incorporated into and form a part of this Agreement, and for such purposes this Agreement shall be deemed a &ldquo;Covered Agreement,&rdquo;
each party that is a Covered Entity shall be deemed a &ldquo;Covered Entity&rdquo; and each party (whether or not it is a Covered
Entity) shall be deemed a &ldquo;Counterparty Entity&rdquo; with respect to each other party that is a Covered Entity. For purposes
of the foregoing sentence &ldquo;Covered Entity&rdquo; means any of the following: (i) a &ldquo;covered entity&rdquo; as that term
is defined in, and interpreted in accordance with, 12 C.F.R. &sect; 252.82(b); (ii) a &ldquo;covered bank&rdquo; as that term is
defined in, and interpreted in accordance with, 12 C.F.R. &sect; 47.3(b); or (iii) a &ldquo;covered FSI&rdquo; as that term is
defined in, and interpreted in accordance with, 12 C.F.R. &sect; 382.2(b).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">13.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><U>Governing Law; Jurisdiction; Waiver of Jury Trial</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">This Agreement shall be governed by and construed and interpreted in accordance with the laws of
the State of New York, notwithstanding its conflict of laws principles or any other rule, regulation or principle that would result
in the application of any other state&rsquo;s law (other than Section 5-1401 of the New York General Obligations Law).</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">EACH PARTY HERETO HEREBY CONSENTS TO THE EXCLUSIVE JURISDICTION OF ANY STATE OR FEDERAL COURT LOCATED
WITHIN THE BOROUGH OF MANHATTAN, CITY OF NEW YORK, STATE OF NEW YORK AND APPELLATE COURTS FROM EITHER OF THEM AND IRREVOCABLY AGREES
THAT ALL ACTIONS OR PROCEEDINGS ARISING OUT OF OR RELATING TO THIS AGREEMENT SHALL BE LITIGATED IN SUCH COURTS. EACH PARTY HERETO
EXPRESSLY SUBMITS AND CONSENTS TO THE JURISDICTION OF THE AFORESAID COURTS AND WAIVES ANY DEFENSE OF FORUM NON CONVENIENS.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify">EACH PARTY HERETO HEREBY KNOWINGLY, VOLUNTARILY AND IRREVOCABLY WAIVES, TO THE FULLEST EXTENT PERMITTED
BY APPLICABLE LAW, ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN ANY LEGAL PROCEEDING DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING
TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY (WHETHER BASED ON CONTRACT, TORT OR ANY OTHER THEORY).</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">14.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><U>Entire Agreement</U></B>. This Agreement, together with all Applicable Agreements to which the parties are bound,
the First Forbearance Agreement, the Second Forbearance Agreement, the Third Forbearance Agreement, and the Security Documents
constitute the entire agreement of the parties hereto with respect to the subject matter hereof and supersede all prior and contemporaneous
agreements and understandings relating to any Effective Date Events of Default.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">15.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><U>Modifications</U></B>. No part or provision of this Agreement may be changed, modified, waived, discharged or terminated
except by mutual written agreement of all of the parties hereto; provided, however, that modifications or amendments to the provisions
of Sections 3, 5, and 7 of this Agreement may be further amended by the parties to and in accordance with the terms of, each Applicable
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">16.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><U>Defined Terms</U></B>. The definitions set forth in this Agreement are for convenience only and shall have no bearing
on the characterization of any agreement or qualification of any agreement for the protections afforded in 11 U.S.C. &sect;&sect;
362, 546, 553, 555-561.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">17.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><U>Successors and Assigns</U></B>. This Agreement shall inure to the benefit of and bind each of the parties and their
respective successors and assigns.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">18.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><U>Headings</U></B>. The headings used in this Agreement are for convenience only and will not be deemed to limit, amplify
or modify, the terms of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">19.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><U>Counterparts</U></B>. This Agreement may be executed in counterparts, each of which when so executed shall be deemed
to be an original and all of which when taken together shall constitute one and the same instrument, and the words &ldquo;executed,&rdquo;
 &ldquo;signed,&rdquo; &ldquo;signature,&rdquo; and words of like import as used above and elsewhere in this Agreement or in any
other certificate, agreement or document related to this transaction may include, in addition to manually executed signatures,
images of manually executed signatures transmitted by facsimile or other electronic format (including, without limitation, &ldquo;pdf,&rdquo;
 &ldquo;tif&rdquo; or &ldquo;jpg&rdquo;) and other electronic signatures (including, without limitation, any electronic sound, symbol,
or process, attached to or logically associated with a contract or other record and executed or adopted by a person with the intent
to sign the record).&nbsp; The use of electronic signatures and electronic records (including, without limitation, any contract
or other record created, generated, sent, communicated, received, or stored by electronic means) shall be of the same legal effect,
validity and enforceability as a manually executed signature or use of a paper-based record-keeping system to the fullest extent
permitted by applicable law, including the Federal Electronic Signatures in Global and National Commerce Act, the New York State
Electronic Signatures and Records Act and any other applicable law, including, without limitation, any state law based on the Uniform
Electronic Transactions Act or the Uniform Commercial Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">20.<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B><U>Certain Definitions</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">&ldquo;<U>Affiliate</U>&rdquo; shall mean any subsidiary of MFA Financial, Inc., but only to the
extent of the ownership interests of MFA Financial, Inc. directly or indirectly in such subsidiary.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD STYLE="text-align: justify">&ldquo;<U>Collateral Agent</U>&rdquo; shall mean Wilmington Trust, National Association, as collateral
agent for the Participating Counterparties, or such other collateral agent as agreed by the Companies and the Participating Counterparties.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD STYLE="text-align: justify">&ldquo;<U>Other Agreements</U>&rdquo; shall mean repurchase agreements and other agreements among
a Seller Entity or its Affiliates on the one hand and a Participating Counterparty or an affiliate thereof on the other hand, which
such parties have hitherto entered into, or may enter into, from time to time, that is other than an Applicable Agreement, and
are recourse obligations to MFA Financial, Inc. or its Affiliates.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(d)</TD><TD STYLE="text-align: justify">&ldquo;<U>Security and Collateral Agency Agreement</U>&rdquo; shall mean that certain Security
and Collateral Agency Agreement dated as of April 10, 2020, among the Companies, Wilmington Trust, National Association, as collateral
agent for the First Forbearance Counterparties, and the First Forbearance Counterparties.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(e)</TD><TD STYLE="text-align: justify">&ldquo;<U>Security Documents</U>&rdquo; shall mean the Security and Collateral Agency Agreement,
and any custodial, account or other agreements perfecting the liens granted in the Security and Collateral Agency Agreement, each
in form and substance satisfactory to the First Forbearance Counterparties.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">[SIGNATURES APPEAR
ON FOLLOWING PAGES]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B><U>SELLER ENTITIES</U>:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><I>Signature Page to MFA Reinstatement Agreement</I></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B></B></P>

<!-- Field: Page; Sequence: 10 -->
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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="text-transform: uppercase"><B>MFA Securitization Holdings</B></FONT><B> LLC</B>,</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">as a Seller Entity</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 47%">/s/ Bryan Wulfsohn</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Name: Bryan Wulfsohn</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Title: Vice President</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase"><B>MFResidential
Assets I, LLC</B></FONT>, as a Seller</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Entity</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 47%"> /s/ Lori Samuels</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Name: Lori Samuels</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Title: Senior Vice President</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase"><B>MFA
Securities Holdings LLC</B></FONT>, as a</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Seller Entity</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 47%"> /s/ Bryan Wulfsohn</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Name: Bryan Wulfsohn</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Title: Vice President</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase"><B>MFA
Kittiwake Investments Ltd.</B></FONT>, as a </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Seller Entity</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 47%"> /s/ Bryan Wulfsohn</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Name: Bryan Wulfsohn</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Title: Vice President</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>




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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><B>MFRA Trust 2014-1</B></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><B>MFRA Trust 2014-2</B></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><B>MFRA Trust 2015-1</B></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><B>MFRA Trust 2016-1</B></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><B>MFRA Trust 2019-1 </B></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><B>MFRA Trust 2019-2</B>, each as a Seller Entity</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><B>By: MFResidential Assets I, LLC,</B></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">as Administrator</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 47%">/s/ Lori Samuels</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Name: Lori Samuels</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Title: Senior Vice President</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD><B>&nbsp;</B></TD>
    <TD COLSPAN="2"><B>DIPLOMAT PROPERTY HOLDINGS CORP.,</B></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">as a Debtor</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 45%"> /s/ Bryan Wulfsohn</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>Bryan Wulfsohn</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Vice President</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD><B>&nbsp;</B></TD>
    <TD COLSPAN="2"><B>CLEEK INVESTMENT HOLDINGS LLC,</B></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">as a Debtor</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 45%">/s/ Bryan Wulfsohn</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD> Bryan Wulfsohn</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Vice President</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><B>BEAUMONT SECURITIES HOLDINGS, LLC</B>,</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">as a Debtor</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 45%">/s/ Lori Samuels</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>Lori Samuels</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD> Senior Vice President</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B></B></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><B>DEEPWOOD RESIDENTIAL ASSETS, LLC</B>,</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">as a Seller Entity</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 45%">/s/ Bryan Wulfsohn</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>Bryan Wulfsohn</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD> Vice President</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B></B></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><B>DIPLOMAT PROPERTY MANAGER, LLC</B>,</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">as a Seller Entity</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 45%">/s/ Bryan Wulfsohn</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD> Bryan Wulfsohn</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Vice President</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD><B>&nbsp;</B></TD>
    <TD COLSPAN="2"><B>SPARTAN PROPERTY MANAGER, LLC,</B></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">as a Seller Entity</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 4%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 45%">/s/ Bryan Wulfsohn</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD> Bryan Wulfsohn</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD> Vice President</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><B>MFA FINANCIAL, INC.</B>,</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">as a Seller Entity and Guarantor</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 45%">/s/ Lori Samuels</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>Lori Samuels</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Senior Vice President</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B></B></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 50%"><U>PARTICIPATING COUNTERPARTIES</U>:</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><B>ALPINE SECURITIZATION LTD, </B>as a</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD><B>&nbsp;</B></TD>
    <TD COLSPAN="2">Participating Counterparty, by CREDIT SUISSE</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD><B>&nbsp;</B></TD>
    <TD COLSPAN="2">AG, NEW YORK BRANCH as Attorney-in-Fact</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 45%">/s/ Patrick Duggan</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD> Patrick Duggan</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD> Vice President</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid"> /s/ Kevin Quinn</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>Kevin Quinn</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD> Vice President</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><U><BR STYLE="clear: both">&nbsp;</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><U></U></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="text-transform: uppercase"><B>Bank of America, N.A.</B></FONT><B>,</B> as a Participating</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD><B>&nbsp;</B></TD>
    <TD COLSPAN="2"><FONT STYLE="text-transform: uppercase">Counterparty</FONT></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 45%">/s/ Michael J. Berg</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD> Michael J. Berg</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD> Director</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><U>&nbsp;</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><FONT STYLE="text-transform: uppercase"></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><B>BOFA SECURITIES,
INC.</B>, as a Participating</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Counterparty</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 45%"> /s/ Michael J. Berg</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>Michael J. Berg</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Director</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B></B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="text-transform: uppercase"><B>Barclays Bank PLC</B></FONT><B>,</B> as a Participating</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Counterparty</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 45%">/s/ Robert Silverman</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>Robert Silverman</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD> Managing Director</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B></B></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><FONT STYLE="text-transform: uppercase"><B></B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="text-transform: uppercase"><B>Barclays
Capital Inc.</B>,</FONT> as a Participating</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Counterparty</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 45%">/s/ Robert Silverman</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>&nbsp;Name:</TD>
    <TD>Robert Silverman</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Managing Director</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="text-transform: uppercase"><B>credit suisse ag, cayman islands</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="text-transform: uppercase"><B>branch</B></FONT><B>,</B> as a Participating Counterparty</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 4%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 45%">/s/ Elie Chau</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD> Elie Chau</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Vice President</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid"> /s/ Ernest Calabrese</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD> Ernest Calabrese</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD> Authorized Signatory</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="text-transform: uppercase"></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="text-transform: uppercase"><B>Goldman Sachs Bank USA,</B></FONT> as a</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="text-transform: uppercase">Participating Counterparty</FONT></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 45%">/s/ Rajiv Kamilla</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD> Rajiv Kamilla</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Authorized Signatory</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="text-transform: uppercase"><B></B></FONT></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="text-transform: uppercase"><B></B></FONT>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD><B>&nbsp;</B></TD>
    <TD COLSPAN="2"><FONT STYLE="text-transform: uppercase"><B>Goldman Sachs</B></FONT><B> Lending Partners</B></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><B>LLC</B>, as a Participating Counterparty</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 45%"> /s/ Rajiv Kamilla</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>Rajiv Kamilla</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Authorized Signatory</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><FONT STYLE="text-transform: uppercase"><B></B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><B>Goldman,
Sachs &amp; Co.</B>, as a Participating</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Counterparty</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 45%"> /s/ Rajiv Kamilla</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD> Rajiv Kamilla</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD> Authorized Signatory</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><FONT STYLE="text-transform: uppercase"><B></B></FONT></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><FONT STYLE="text-transform: uppercase"><B></B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="text-transform: uppercase"><B>Wells Fargo Bank, N.A</B></FONT><B>.</B>, as a Participating</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="text-transform: uppercase">Counterparty</FONT></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 45%"> /s/ Chris Allbright</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Name: Chris Allbright</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Title: Assistant Vice President</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><FONT STYLE="text-transform: uppercase"><B></B></FONT>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="text-transform: uppercase"><B>Wells Fargo
Securities, LLC</B>,</FONT> as a</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Participating Counterparty</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 45%">/s/ Romona Lingerfelt</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD> Romona Lingerfelt</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>Authorized Signatory</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"></P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>7
<FILENAME>tm2023506d1_ex99-1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-size: 10pt"><B>Exhibit
99.1</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR>
    <TD STYLE="width: 30%">
        <P STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">MFA</P>
        <P STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">FINANCIAL, INC.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">350 Park Avenue</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">New York, New York 10022</P></TD>
    <TD STYLE="width: 40%">&nbsp;</TD>
    <TD STYLE="text-align: right; width: 30%"><IMG SRC="tm2023506d1_ex99-1img01.jpg" ALT="">&nbsp;</TD></TR>
</TABLE>
<P STYLE="margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; text-indent: 0in"><FONT STYLE="font-size: 10pt"><B><BR>
<BR></B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left">PRESS RELEASE</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left">FOR IMMEDIATE RELEASE</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif">June 29, 2020</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left">NEW YORK METRO</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left; width: 10%">CONTACT:</TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left; width: 40%">InvestorRelations@mfafinancial.com</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 2%">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left; width: 49%">NYSE: MFA</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif">212-207-6488</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif">www.mfafinancial.com</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>MFA Financial,
Inc. Closes Funding of</B></FONT></P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>$500 million
Capital Raise with Apollo and Athene and </B></FONT></P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>$2.0 billion
of Non-Mark-to-Market Facilities</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>-- MFA
Also Announces Exit from Forbearance --</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><B></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white; color: #333333">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white">NEW YORK -- MFA
Financial, Inc. (NYSE: MFA) (&#8220;MFA&#8221; or the &#8220;Company&#8221;) announced today that it has completed the funding
of the previously-reported $500 million senior secured term loan with certain funds, accounts and/or clients managed by affiliates
of <FONT STYLE="color: #333333">Apollo Global Management, Inc. (&#8220;Apollo&#8221;) and affiliates of Athene Holding Ltd. (&#8220;Athene&#8221;).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white"><FONT STYLE="color: #333333">MFA
has also closed on the funding of the previously-reported </FONT>non-mark-to-market, term borrowing facility with Barclays<FONT STYLE="color: #333333">,
Athene and Apollo, pursuant to which the lenders have provided financing in an aggregate amount of approximately $1.6 billion.
Also, the Company closed on additional non-mark-to-market, term financing facilities with Athene, Apollo and Credit Suisse, totaling
approximately $475 million of additional financing. These facilities are secured by certain mortgage loans and other assets of
the Company. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white"><FONT STYLE="color: #333333">In
connection with the completion of the financing transactions discussed above, the Company has also satisfied all outstanding margin
calls with the counterparties to its repurchase agreement financing arrangements</FONT> and exited from the forbearance arrangements
under the previously-reported Third Forbearance Agreement, which it had entered into on June 1, 2020. In connection with the exit
from forbearance, the Company and its counterparties have executed a Reinstatement Agreement pursuant to which each counterparty
agreed to permanently waive existing and prior events of default identified therein and to reinstate certain of the repurchase
agreements (on such modified terms and conditions as agreed to by the parties). In addition, the counterparties terminated and
released the related security interests granted to them by the Company during forbearance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white">&nbsp;</P>

<P STYLE="text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white">With
the completion of the various financing transactions and its exit from forbearance, MFA has repositioned its balance sheet
with more durable funding for its investment assets and significantly increased its liquidity. <FONT STYLE="color: #333333; background-color: white">After
giving effect to these transactions, as of June 26, 2020, approximately 67%, or $3.4 billion, of MFA&#8217;s debt financing
(including securitization indebtedness) is comprised of longer-term, non-mark-to-market indebtedness, thereby reducing
MFA&#8217;s reliance on shorter-term, mark-to-market repurchase financing arrangements. Together with the other actions that
MFA has taken over the past several months to increase liquidity and reduce leverage, as of June 26, 2020, the Company </FONT>had <FONT STYLE="color: #333333; background-color: white">total
cash balances of approximately $630 million and a debt to equity ratio of approximately 2.0:1</FONT>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white; color: #333333"><FONT STYLE="background-color: white">Houlihan
Lokey served as financial advisor to MFA. Barclays served as exclusive financial advisor to Apollo and Athene.&nbsp; </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white; color: #333333">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="font-weight: normal">MFA Financial,
Inc.</FONT> is a real estate investment trust primarily engaged in the business of investing, on a leveraged basis, in residential
mortgage assets, including residential whole loans and residential mortgage-backed securities<FONT STYLE="font-size: 10pt">.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Cautionary Language Regarding Forward-Looking Statements</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-indent: 0.5in; text-align: justify; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">When used in this press release or other written or oral communications,
statements which are not historical in nature, including those containing words such as &#8220;will,&#8221; &#8220;believe,&#8221;
 &#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;estimate,&#8221; &#8220;plan,&#8221; &#8220;continue,&#8221; &#8220;intend,&#8221;
 &#8220;should,&#8221; &#8220;could,&#8221; &#8220;would,&#8221; &#8220;may,&#8221; or similar expressions, are intended to identify
 &#8220;forward-looking statements&#8221; within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section
21E of the Securities Exchange Act of 1934, as amended, and, as such, may involve known and unknown risks, uncertainties and assumptions.
Statements regarding the following subjects, among others, may be forward-looking: <FONT STYLE="color: #373737">the Company&#8217;s
ability to accurately estimate information related to its operations and financial condition as of June 26, 2020, including its
cash balances and debt to equity ratio. These </FONT>and other risks, uncertainties and factors, including those described in the
annual, quarterly and current reports that MFA files with the SEC, could cause MFA&#8217;s actual results to differ materially
from those projected in any forward-looking statements it makes. All forward-looking statements are based on beliefs, assumptions
and expectations of MFA&#8217;s future performance, taking into account all information currently available. Readers are cautioned
not to place undue reliance on these forward-looking statements, which speak only as of the date on which they are made. New risks
and uncertainties arise over time and it is not possible to predict those events or how they may affect MFA. Except as required
by law, MFA is not obligated to, and does not intend to, update or revise any forward-looking statements, whether as a result of
new information, future events or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="margin: 0"></P>

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<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>10
<FILENAME>mfa-20200626_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>11
<FILENAME>mfa-20200626_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
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    <dei:PreCommencementIssuerTenderOffer contextRef="From2020-06-25to2020-06-26">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle contextRef="From2020-06-252020-06-26_us-gaap_CommonStockMember">Common     Stock, par value $0.01 per share</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2020-06-252020-06-26_us-gaap_CommonStockMember">MFA</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2020-06-252020-06-26_us-gaap_CommonStockMember">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="From2020-06-252020-06-26_us-gaap_SeriesBPreferredStockMember">7.50%                                          Series B Cumulative Redeemable Preferred</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2020-06-252020-06-26_us-gaap_SeriesBPreferredStockMember">MFA/PB</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2020-06-252020-06-26_us-gaap_SeriesBPreferredStockMember">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="From2020-06-252020-06-26_us-gaap_SeriesCPreferredStockMember">6.50%     Series C Cumulative Redeemable Preferred</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2020-06-252020-06-26_us-gaap_SeriesCPreferredStockMember">MFA/PC</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2020-06-252020-06-26_us-gaap_SeriesCPreferredStockMember">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="From2020-06-252020-06-26_custom_SeniorNotesDue2042Member">8.00%     Senior Notes due 2042</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2020-06-252020-06-26_custom_SeniorNotesDue2042Member">MFO</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2020-06-252020-06-26_custom_SeniorNotesDue2042Member">NYSE</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany contextRef="From2020-06-25to2020-06-26">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>14
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139955492766152">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Jun. 26, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Jun. 26,  2020<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">1-13991<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">MFA
FINANCIAL, INC.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001055160<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">13-3974868<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">MD<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">350
    Park Avenue<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine2', window );">Entity Address, Address Line Two</a></td>
<td class="text">20th Floor<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">New York<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">NY<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">10022<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">212<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">207-6400<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember', window );">Common Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common
    Stock, par value $0.01 per share<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">MFA<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember', window );">Series B Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">7.50%
                                         Series B Cumulative Redeemable Preferred<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">MFA/PB<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesCPreferredStockMember', window );">Series C Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">6.50%
    Series C Cumulative Redeemable Preferred<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">MFA/PC<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=MFA_SeniorNotesDue2042Member', window );">Senior Notes Due 2042 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">8.00%
    Senior Notes due 2042<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">MFO<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 2 such as Street or Suite number</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
