<SEC-DOCUMENT>0001193125-24-024836.txt : 20240206
<SEC-HEADER>0001193125-24-024836.hdr.sgml : 20240206
<ACCEPTANCE-DATETIME>20240206083057
ACCESSION NUMBER:		0001193125-24-024836
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		19
CONFORMED PERIOD OF REPORT:	20240205
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:		Financial Statements and Exhibits
FILED AS OF DATE:		20240206
DATE AS OF CHANGE:		20240206

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Velocity Financial, Inc.
		CENTRAL INDEX KEY:			0001692376
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-39183
		FILM NUMBER:		24598171

	BUSINESS ADDRESS:	
		STREET 1:		30699 RUSSELL RANCH ROAD
		STREET 2:		BUILDING 111, SUITE 295
		CITY:			WESTLAKE VILLAGE
		STATE:			CA
		ZIP:			91362
		BUSINESS PHONE:		866-505-3863

	MAIL ADDRESS:	
		STREET 1:		30699 RUSSELL RANCH ROAD
		STREET 2:		BUILDING 111, SUITE 295
		CITY:			WESTLAKE VILLAGE
		STATE:			CA
		ZIP:			91362

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Velocity Financial, LLC
		DATE OF NAME CHANGE:	20161214
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d745667d8k.htm
<DESCRIPTION>8-K
<TEXT>
<XBRL>
<?xml version='1.0' encoding='ASCII'?>
<html xmlns:dei="http://xbrl.sec.gov/dei/2023" xmlns:us-types="http://fasb.org/us-types/2023" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:vel="http://www.velocitymortgage.com/20240205" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2015-02-26" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns="http://www.w3.org/1999/xhtml">
<head>
<title>8-K</title>
<meta http-equiv="Content-Type" content="text/html"/>
</head>
   <body><div style="display:none"> <ix:header> <ix:hidden> <ix:nonNumeric name="dei:AmendmentFlag" contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-323">false</ix:nonNumeric> <ix:nonNumeric id="Hidden_dei_EntityCentralIndexKey" name="dei:EntityCentralIndexKey" contextRef="duration_2024-02-05_to_2024-02-05">0001692376</ix:nonNumeric> </ix:hidden> <ix:references> <link:schemaRef xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xlink:type="simple" xlink:href="vel-20240205.xsd" xlink:arcrole="http://www.xbrl.org/2003/linkbase"/> </ix:references> <ix:resources> <xbrli:context id="duration_2024-02-05_to_2024-02-05"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0001692376</xbrli:identifier> </xbrli:entity> <xbrli:period> <xbrli:startDate>2024-02-05</xbrli:startDate> <xbrli:endDate>2024-02-05</xbrli:endDate> </xbrli:period> </xbrli:context> </ix:resources> </ix:header> </div> <div style="text-align:center"> <div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto"> <p style="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&#160;</p> <p style="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&#160;</p> <p style="margin-top:4pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman;font-weight:bold;text-align:center">UNITED STATES</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman;font-weight:bold;text-align:center">SECURITIES AND EXCHANGE COMMISSION</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">WASHINGTON, D.C. 20549</p> <p style="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:8pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman;font-weight:bold;text-align:center">FORM <span style="white-space:nowrap"><ix:nonNumeric name="dei:DocumentType" contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-334">8-K</ix:nonNumeric></span></p> <p style="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:8pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">CURRENT REPORT</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">Pursuant to Section&#160;13 or 15(d)</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">of the Securities Exchange Act of 1934</p> <p style="margin-top:8pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">Date of Report (Date of earliest event reported): <ix:nonNumeric name="dei:DocumentPeriodEndDate" contextRef="duration_2024-02-05_to_2024-02-05" format="ixt:datemonthdayyearen" id="ixv-335">February 5, 2024</ix:nonNumeric></p> <p style="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:8pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman;font-weight:bold;text-align:center"><ix:nonNumeric name="dei:EntityRegistrantName" contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-336">Velocity Financial, Inc.</ix:nonNumeric></p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Exact name of Registrant as Specified in Its Charter)</p> <p style="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; font-family:Times New Roman; font-size:8pt;width:100%;border:0;margin:0 auto">
<tr>
<td style="width:34%"/>
<td style="vertical-align:bottom"/>
<td style="width:32%"/>
<td style="vertical-align:bottom;width:1%"/>
<td style="width:32%"/></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:EntityIncorporationStateCountryCode" contextRef="duration_2024-02-05_to_2024-02-05" format="ixt-sec:stateprovnameen" id="ixv-337">Delaware</ix:nonNumeric></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><span style="white-space:nowrap"><ix:nonNumeric name="dei:EntityFileNumber" contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-338">001-39183</ix:nonNumeric></span></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><span style="white-space:nowrap"><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-339">46-0659719</ix:nonNumeric></span></span></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style=" text-align: center;margin:auto; vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(State or Other Jurisdiction</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">of Incorporation)</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Commission</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">File Number)</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(IRS Employer</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Identification No.)</p></td></tr></table> <p style="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;width:100%;border:0;margin:0 auto">
<tr>
<td style="width:50%"/>
<td style="vertical-align:bottom;width:1%"/>
<td style="width:48%"/></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center"><ix:nonNumeric name="dei:EntityAddressAddressLine1" contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-340">30699 Russell Ranch Road</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressAddressLine2" contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-341">Suite 295</ix:nonNumeric></p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center"><ix:nonNumeric name="dei:EntityAddressCityOrTown" contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-342">Westlake Village</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressStateOrProvince" contextRef="duration_2024-02-05_to_2024-02-05" format="ixt-sec:stateprovnameen" id="ixv-343">California</ix:nonNumeric></p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:bottom"><span style="font-weight:bold"><ix:nonNumeric name="dei:EntityAddressPostalZipCode" contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-344">91362</ix:nonNumeric></span></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold">(Address of Principal Executive Offices)</span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold">(Zip Code)</span></td></tr></table> <p style="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">Registrant&#8217;s Telephone Number, Including Area Code: <ix:nonNumeric name="dei:CityAreaCode" contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-345">(818)</ix:nonNumeric> <span style="white-space:nowrap"><ix:nonNumeric name="dei:LocalPhoneNumber" contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-346">532-3700</ix:nonNumeric></span></p> <p style="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">Not Applicable</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Former Name or Former Address, if Changed Since Last Report)</p> <p style="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Check the appropriate box below if the Form <span style="white-space:nowrap">8-K</span> filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</p> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top"><ix:nonNumeric name="dei:WrittenCommunications" contextRef="duration_2024-02-05_to_2024-02-05" format="ixt-sec:boolballotbox" id="ixv-347">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top"><ix:nonNumeric name="dei:SolicitingMaterial" contextRef="duration_2024-02-05_to_2024-02-05" format="ixt-sec:boolballotbox" id="ixv-348">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">Soliciting material pursuant to Rule <span style="white-space:nowrap">14a-12</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.14a-12)</span></p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top"><ix:nonNumeric name="dei:PreCommencementTenderOffer" contextRef="duration_2024-02-05_to_2024-02-05" format="ixt-sec:boolballotbox" id="ixv-349">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left"><span style="white-space:nowrap">Pre-commencement</span> communications pursuant to Rule <span style="white-space:nowrap">14d-2(b)</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.14d-2(b))</span></p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" contextRef="duration_2024-02-05_to_2024-02-05" format="ixt-sec:boolballotbox" id="ixv-350">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left"><span style="white-space:nowrap">Pre-commencement</span> communications pursuant to Rule <span style="white-space:nowrap">13e-4(c)</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.13e-4(c))</span></p></td></tr></table> <p style="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Securities registered pursuant to Section&#160;12(b) of the Act:</p> <p style="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; font-family:Times New Roman; font-size:8pt;width:100%;border:0;margin:0 auto">
<tr>
<td style="width:34%"/>
<td style="vertical-align:bottom"/>
<td style="width:32%"/>
<td style="vertical-align:bottom;width:1%"/>
<td style="width:32%"/></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom;white-space:nowrap"> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Title of each class</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Trading</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Symbol(s)</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Name of each exchange</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">on which registered</p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-351">Common stock, par value $0.01 per share</ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-352">VEL</ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2024-02-05_to_2024-02-05" format="ixt-sec:exchnameen" id="ixv-353">The New York Stock Exchange</ix:nonNumeric></td></tr></table> <p style="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">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 <span style="white-space:nowrap">12b-2</span> of the Securities Exchange Act of 1934 (&#167; <span style="white-space:nowrap">240.12b-2</span> of this chapter).</p> <p style="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Emerging growth company&#8194;<ix:nonNumeric name="dei:EntityEmergingGrowthCompany" contextRef="duration_2024-02-05_to_2024-02-05" format="ixt-sec:boolballotbox" id="ixv-354">&#9744;</ix:nonNumeric></p> <p style="margin-top:8pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">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&#160;13(a) of the Exchange Act.&#8194;&#9744;</p> <p style="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <p style="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&#160;</p> <p style="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&#160;</p></div></div>

<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%"/>

<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">

<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:11%;vertical-align:top" align="left"><span style="font-weight:bold">Item&#8201;1.01</span></td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:left">Entry into a Material Definitive Agreement. </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:11%;vertical-align:top" align="left"><span style="font-weight:bold">Item&#8201;2.03</span></td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:left">Creation of a Direct Financial Obligation. </p></td></tr></table> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">On February&#160;5, 2024, we entered into note purchase agreements (collectively, the &#8220;2029 Note Purchase Agreement&#8221;) for the issuance of an aggregate $75,000,000 principal amount of 9.875% Senior Secured Notes due 2029 (the &#8220;2029 Notes&#8221;). The 2029 Note Purchase Agreement was entered into among Velocity Financial, Inc., as the guarantor of the 2029 Notes (the &#8220;Guarantor&#8221;), our wholly owned subsidiary Velocity Commercial Capital, LLC, as the issuer of the 2029 Notes (the &#8220;Issuer&#8221;), U.S. Bank Trust Company, National Association, as collateral agent (the &#8220;Collateral Agent&#8221;) and the several respective purchasers of the 2029 Notes. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Issuer issued the 2029 Notes on February&#160;5, 2024. The 2029 Notes are guaranteed by Velocity Financial, Inc. The 2029 Notes will mature on February&#160;15, 2029, subject to earlier prepayment, redemption or repurchase. Interest on the 2029 Notes is payable semi-annually on May&#160;15 and November&#160;15 of each year, beginning on May&#160;15, 2024. The terms of the 2029 Notes provide for optional redemption prior to their maturity, on the terms and conditions and at the prices specified in the 2029 Note Purchase Agreement. Upon a change of control, as defined in the 2029 Note Purchase Agreement, the holders of the 2029 Notes may require the Issuer to repurchase the 2029 Notes at 101% of outstanding principal amount plus accrued but unpaid interest. The 2029 Notes and related guarantee are senior obligations of the Issuer and the Guarantor, respectively, and secured by liens on substantially all assets of the obligors, other than assets subject to securitization and warehouse financings and other customary exceptions and limitations. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Net proceeds from the issuance of the 2029 Notes will be used to originate new investments and for general corporate and other working capital purposes. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The 2029 Notes are secured on a pari passu basis with the Issuer&#8217;s $215,000,000 outstanding principal amount of 7.125% Senior Secured Notes due 2027, pursuant to the terms of an intercreditor agreement entered into in connection with the issuance of the 2029 Notes. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The 2029 Note Purchase Agreement contains affirmative and negative covenants, including financial covenants regarding minimum net asset value, net <span style="white-space:nowrap">non-securitization</span> debt to equity ratio, collateral value, total collateral value and <span style="white-space:nowrap">non-securitization</span> senior debt service coverage ratio requirements. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The offer and sale of the 2029 Notes were made solely in private placement transactions exempted from registration pursuant to Section&#160;4(a)(2) of the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;). The 2029 Notes have not been registered under the Securities Act or any state securities laws and may not be offered or sold in the United States absent registration or an applicable exemption from the registration requirements of the Securities Act and applicable state laws. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The foregoing descriptions of the 2029 Notes, related guarantee, 2029 Note Purchase Agreement and related security agreement and intercreditor agreement do not purport to be complete and are qualified in their entirety by reference to the full text of the 2029 Note Purchase Agreement and related security agreement filed as Exhibits 4.1, 10.1, 10.2 and 10.3 and incorporated herein by reference. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The representations, warranties and covenants contained in the above-mentioned agreements were made only for purposes of those agreements and solely for the benefit of the parties to those agreements. The representations, warranties and covenants are a means of allocating contractual risk between parties and are not necessarily intended to establish particular matters as facts, may be subject to standards of materiality or other qualifications applicable to the agreements that differ from those applicable to investors and are not promises or guarantees of accuracy or of future actions or events. Investors should not rely on these representations, warranties or covenants. </p>
 <p style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&#160;</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:center">1 </p>

</div></div>



<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%"/>

<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">

<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:11%;vertical-align:top" align="left"><span style="font-weight:bold">Item&#8201;9.01</span></td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:left">Exhibits. </p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;width:100%;border:0;margin:0 auto">


<tr>

<td/>

<td style="vertical-align:bottom;width:4%"/>
<td style="width:92%"/></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style="vertical-align:bottom;white-space:nowrap" align="center"> <p style=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:inline-block; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Exhibit<br/>Number</p></td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:bottom;white-space:nowrap" align="center"> <p style=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:inline-block; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Description</p></td></tr>


<tr style="font-size:1pt">
<td style="height:6pt"/>
<td style="height:6pt" colspan="2"/></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">&#8199;4.1</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d745667dex101.htm">Form of 9.875% Senior Secured Note due 2029 of Velocity Commercial Capital, LLC (included in Exhibit&#160;10.1 hereto). </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"/>
<td style="height:6pt" colspan="2"/></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">10.1</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d745667dex101.htm">Form of Note Purchase Agreement, dated as of February&#160;5, 2024, among Velocity Financial, Inc., Velocity Commercial Capital, LLC, U.S. Bank Trust Company, National Association, as Collateral Agent and the respective purchasers of the Notes. </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"/>
<td style="height:6pt" colspan="2"/></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">10.2</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d745667dex102.htm">Security Agreement, dated as of February&#160;5, 2024, among Velocity Financial, Inc., Velocity Commercial Capital, LLC and U.S. Bank Trust Company, National Association. </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"/>
<td style="height:6pt" colspan="2"/></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">10.3.</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d745667dex103.htm">Equal Priority Intercreditor Agreement, dated as of February&#160;5, 2024, among Velocity Financial, Inc., Velocity Commercial Capital, LLC, U.S. Bank Trust Company, National Association as the 2027 Notes Collateral Agent and U.S. Bank Trust Company, National Association as the 2029 Notes Collateral Agent. </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"/>
<td style="height:6pt" colspan="2"/></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">99.1</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d745667dex991.htm">Press Release </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"/>
<td style="height:6pt" colspan="2"/></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">104</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top">Cover Page Interactive Data File (embedded within the Inline XBRL document).</td></tr>
</table>
 <p style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&#160;</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:center">2 </p>

</div></div>



<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%"/>

<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">
 <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">SIGNATURES </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">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 thereunto duly authorized. </p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;width:100%;border:0">


<tr>

<td style="width:47%"/>

<td style="vertical-align:bottom;width:1%"/>
<td style="width:4%"/>

<td style="vertical-align:bottom"/>
<td/>

<td style="vertical-align:bottom;width:1%"/>
<td style="width:46%"/></tr>


<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"><span style="font-weight:bold">Velocity Financial, Inc.</span></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top" colspan="3">Date: February 6, 2024</td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/></tr>
<tr style="font-size:1pt">
<td style="height:12pt"/>
<td style="height:12pt" colspan="2"/>
<td style="height:12pt" colspan="2"/>
<td style="height:12pt" colspan="2"/></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Roland T. Kelly</p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom">Roland T. Kelly</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom">Chief Legal Officer and General Counsel</td></tr>
</table>
</div></div>

</body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>2
<FILENAME>d745667dex101.htm
<DESCRIPTION>EX-10.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-10.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 10.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><I><U>Execution Version </U></I></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$75,000,000 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9.875% Senior
Secured Notes due 2029 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Fully and unconditionally guaranteed by </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL> </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">February&nbsp;5, 2024 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>T<SMALL>ABLE</SMALL> <SMALL>OF</SMALL> C<SMALL>ONTENTS</SMALL> </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="10%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="84%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">S<SMALL>ECTION</SMALL> </P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">H<SMALL>EADING</SMALL></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><SMALL></SMALL>&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">P<SMALL>AGE</SMALL></TD>
<TD NOWRAP VALIGN="bottom"><SMALL></SMALL>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>AUTHORIZATION OF NOTES; INTEREST RATE</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Authorization of Notes; Additional Notes</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Changes in Interest Rate</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>SALE AND PURCHASE OF NOTES</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Purchase of Notes</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>CLOSING</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;5.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>CONDITIONS TO CLOSING</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Representations and Warranties</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Performance; No Default</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Compliance Certificates</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Collateral Documents</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.5.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Purchase Permitted By Applicable Law, Etc<I>.</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.6.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Sale of Other Notes</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.7.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Rating of the Notes</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.8.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Changes in Corporate Structure</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.9.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Funding Instructions</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.10.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Consents and Amendments</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.11.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Collateral Documents and Filings</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.12.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Legal Opinions</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;6.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>REPRESENTATIONS AND WARRANTIES OF THE TRANSACTION ENTITIES</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Organization; Power and Authority</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Due Authorization, Execution and Delivery</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Disclosure</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Financial Statements: Auditors</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.5.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Organization and Ownership of Shares of Subsidiaries</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.6.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>No Restriction on Dividends</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.7.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Compliance with Laws, Other Instruments, Etc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.8.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Governmental Authorizations, Etc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.9.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Litigation; Observance of Agreements, Statutes and Orders</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.10.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Taxes</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.11.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Affiliate Transactions</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.12.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Title to Property</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.13.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Intellectual Property</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.14.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Controls</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.15.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Sarbanes-Oxley Compliance</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.16.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>ERISA</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.17.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Insurance</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.18.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Private Offering by the Transaction Entities</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.19.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Use of Proceeds; Margin Regulations</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.20.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Cyber Security</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-i- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="11%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="85%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.21.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Collateral Documents</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;7.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>REPRESENTATIONS OF THE PURCHASERS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Purchase for Investment</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Investment Experience; Access to Information</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Authorization</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;8.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>INFORMATION AS TO TRANSACTION ENTITIES</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Financial and Business Information</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Officer&#146;s Certificate</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Electronic Delivery</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;9.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>PAYMENT AND PREPAYMENT OF THE NOTES</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Interest on the Notes; Maturity</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Optional Prepayments</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Notice and Procedure for Prepayments</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Allocation of Partial Prepayments</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.5.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Maturity; Surrender, Etc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.6.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Purchase of Notes</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.7.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Payments Due on <FONT STYLE="white-space:nowrap">Non-Business</FONT> Days</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.8.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Mandatory Offer to Prepay in Event of Change of Control</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;10.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>AFFIRMATIVE COVENANTS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Compliance with Laws</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Insurance</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Payment of Taxes and Claims</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Corporate Existence, Etc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.5.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Rating Confirmation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.6.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Use of Proceeds</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.7.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Maintenance of Liens</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.8.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Further Assurance</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.9.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Compliance Certificate</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;11.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>NEGATIVE COVENANTS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;11.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Fundamental Changes</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;11.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Liens</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;11.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Financial Covenants</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;11.4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Limitation on Restricted Payments</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;11.5.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Economic Sanctions, Etc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;11.6.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Use of Proceeds; Margin Regulations</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;12.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>EVENTS OF DEFAULT</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;13.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>REMEDIES ON DEFAULT, ETC.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;13.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Acceleration</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;13.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Other Remedies</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;13.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Rescission</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;13.4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>No Waivers or Election of Remedies, Expenses, Etc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;13.5.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Unconditional Rights of Noteholders To Receive Principal and Interest</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;13.6.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Rights and Remedies Cumulative</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;13.7.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Waiver of Stay or Extension Laws</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;13.8.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Issuer&#146;s Right to Cure</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-ii- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="11%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="85%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;14.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>REGISTRATION; EXCHANGE; SUBSTITUTION OF NOTES</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Form of Notes</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Certifications of Authorized Representatives of the Issuer</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Authentication and Delivery</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Denominations; Issuance of Certificated Notes</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.5.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Transfer and Exchange of Notes</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.6.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Persons Deemed Owners</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.7.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Cancellation of Unissued Global Notes</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;14.8.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Mutilated, Stolen or Destroyed Notes</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;15.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>PAYMENTS ON NOTES</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;15.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Place of Payment</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;15.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Interest Payments Due on the Notes</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;15.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Payment by Wire Transfer</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;15.4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Tax Information</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;16.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>EXPENSES, ETC.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;16.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Transaction Expenses</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;16.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Survival</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;17.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>SURVIVAL OF REPRESENTATIONS AND WARRANTIES; ENTIRE AGREEMENT</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;18.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>AMENDMENT AND WAIVER</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;18.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Requirements</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;18.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Solicitation of Holders of Notes</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;18.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Binding Effect, Etc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;18.4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Notes Held by Company, Etc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;19.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>NOTICES</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;20.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>REPRODUCTION OF DOCUMENTS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;21.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>CONFIDENTIAL INFORMATION</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;22.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>MISCELLANEOUS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;22.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Successors and Assigns</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;22.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Accounting Terms</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;22.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Severability</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;22.4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Construction, Etc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;22.6.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Counterparts</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;22.7.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Governing Law</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;22.8.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Jurisdiction and Process; Waiver of Jury Trial</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;22.9.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Bankruptcy Proceedings</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;23.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>COLLATERAL AGENT</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;23.1.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Appointment of the Collateral Agent</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;23.2.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Replacement of the Collateral Agent</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;23.3.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Reliance by Collateral Agent</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">48</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;23.4.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Exercise of Remedies</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;23.5.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Authorized Investments</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;23.6.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>[Reserved.]</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;23.7.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Conflicts with Collateral Agreement</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-iii- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="11%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="85%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;23.8.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Release of Liens; Authority to Release</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;24.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>GUARANTEE</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;25.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>SATISFACTION</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;26.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>TERMINATION</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="15%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="81%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Schedule A</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" NOWRAP>&#151;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Defined Terms</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">S<SMALL>CHEDULE</SMALL> 1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" NOWRAP>&#151;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of 9.875% Senior Secured Note due 2029</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">S<SMALL>CHEDULE</SMALL> 5.12</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" NOWRAP>&#151;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of the Simpson Thacher&nbsp;&amp; Bartlett LLP Legal Opinion</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">S<SMALL>CHEDULE</SMALL> 6.5</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" NOWRAP>&#151;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Significant Subsidiaries of the Guarantor</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">S<SMALL>CHEDULE</SMALL> 11.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" NOWRAP>&#151;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Existing Liens</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Exhibit A</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" NOWRAP>&#151;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Collateral Agreement</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Exhibit B</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" NOWRAP>&#151;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Intercreditor Agreement</TD></TR>
</TABLE> <P STYLE="font-size:18pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-iv- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">30699 R<SMALL>USSELL</SMALL> R<SMALL>ANCH</SMALL> R<SMALL>OAD</SMALL>, S<SMALL>UITE</SMALL> 295 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">W<SMALL>ESTLAKE</SMALL> V<SMALL>ILLAGE</SMALL>, C<SMALL>ALIFORNIA</SMALL> 91362 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9.875% Senior Secured Notes due 2029 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">February&nbsp;5, 2024 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">T<SMALL>O</SMALL>
<SMALL>THE</SMALL> P<SMALL>URCHASER</SMALL>(<SMALL>S</SMALL>) I<SMALL>DENTIFIED</SMALL> <SMALL>AS</SMALL> P<SMALL>URCHASER</SMALL>(<SMALL>S</SMALL>) <SMALL>ON</SMALL> <SMALL>THE</SMALL> S<SMALL>IGNATURE</SMALL> P<SMALL>AGES</SMALL>
H<SMALL>ERETO</SMALL> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ladies and Gentlemen: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;1.1. _____</B>This Note Purchase Agreement is one of a series of Note Purchase Agreements (collectively with
this Note Purchase Agreement, the &#147;<B>Note Purchase Agreements</B>&#148; and each, a &#147;<B>Note Purchase Agreement</B>&#148;) entered into by Velocity Commercial Capital, LLC, a California limited liability company (the
&#147;<B>Issuer</B>&#148;), Velocity Financial, Inc., a Delaware corporation (the &#147;<B>Guarantor</B>&#148; and, together with the Issuer, the &#147;<B>Transaction Entities</B>&#148;), U.S. Bank Trust Company, National Association, as collateral
agent (in such role, the &#147;<B>Collateral Agent</B>&#148;), having a corporate trust office at 190 South LaSalle Street, 7th Floor, Chicago, Illinois 60603, and the several Purchasers set forth therein with identical terms and on the same form as
this Note Purchase Agreement (except that the Purchaser and principal amount purchased may differ from this Note Purchase Agreement as set forth in each Note Purchase Agreement). </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;2. AUTHORIZATION OF NOTES; INTEREST RATE. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;2.1. Authorization of Notes</B><B>; Additional Notes</B>. The Issuer agrees to the issue and sale of $75,000,000
aggregate principal amount of its 9.875% Senior Secured Notes due 2029 (the &#147;<B>Initial Notes</B>&#148; and, together with any Additional Notes (as defined below), the &#147;<B>Notes</B>&#148;) to the Purchasers on the terms set forth in the
Note Purchase Agreements. The Issuer may, from time to time, without the consent of, or notice to, the Purchasers or the Noteholders, as applicable, issue additional notes with the same terms as the Initial Notes (other than differences in the date
of issuance, the issue price, the first interest payment date applicable thereto, the first date from which interest will accrue and the interest accrued prior to the issue date of such additional notes) in an unlimited aggregate principal amount
(&#147;<B>Additional Notes</B>&#148;); provided, however, that if any such Additional Notes are not fungible with the Initial Notes for U.S. federal income tax purposes and securities law purposes, such Additional Notes will have a separate CUSIP
number and provided further, that, both immediately before and on a pro forma basis, after giving effect to the issuance and sale of any such Additional Notes and intended use of proceeds therefrom, (a)&nbsp;no Default or Event of Default has
occurred and is continuing (subject to customary &#147;SunGard&#148; or &#147;certain funds&#148; limitations to the extent the proceeds of any Additional Notes are being used to finance a Limited Condition Acquisition), (b) the Issuer is in
compliance with Section&nbsp;11.3<SUP STYLE="font-size:75%; vertical-align:top"> </SUP>of this Note Purchase Agreement (including, for the avoidance of doubt, any concurrent addition of Collateral) and (c)&nbsp;the Issuer reaffirms the rating for
the Notes with one or more NRSROs. The Initial Notes and any Additional Notes will rank equally and ratably and will be treated as a single series for all purposes under the Note Documents. The Notes issued to Qualified Institutional Buyers
initially shall be represented by one or more Global Notes, the Notes issued to <FONT STYLE="white-space:nowrap">non-Qualified</FONT> Institutional Buyers shall be represented by one or more Certificated Notes, as provided in Section&nbsp;14 and
substantially in the form set out in Schedule 1. Certain capitalized and other terms used in this Agreement are defined in Schedule A and, for purposes of this Agreement, the rules of construction set forth in Section&nbsp;22.4 shall govern. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;2.2. Changes in Interest Rate</B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) If at any time a Rating Event occurs, then: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) as of the first day of the <FONT STYLE="white-space:nowrap">six-month</FONT> Interest Period that begins following the date
of the occurrence of the Rating Event, the Notes shall bear interest at an interest rate of 10.875% per annum (the &#147;<B>Adjusted Interest Rate</B>&#148;); </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) the Issuer shall promptly, and in any event within ten (10)&nbsp;Business Days after a Rating Event has occurred, notify
the holders of the Notes in writing, sent in the manner provided in Section&nbsp;19, that a Rating Event has occurred, which written notice shall be accompanied by evidence satisfactory to the Required Holders to such effect and confirming the
effective date of the Rating Event and that the Adjusted Interest Rate will be payable in respect of the Notes in consequence thereof; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) the Issuer shall promptly notify the Paying Agent of any change in the interest rate based on any Rating change, which
changes the Paying Agent shall have no duty to monitor. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Notwithstanding the foregoing, in no circumstances will the annual interest
rate payable on the Notes exceed 10.875% per annum due to changes in the Rating of the Notes or if the Notes cease to be rated by at least one NRSRO. In addition, the interest rate per annum payable on the Notes will revert to 9.875% per annum
beginning on the first day of any <FONT STYLE="white-space:nowrap">six-month</FONT> Interest Period, if, as of such day, the Notes have a Rating of <FONT STYLE="white-space:nowrap">&#147;BBB-&#148;</FONT> or above by Egan-Jones or its equivalent by
any other NRSRO without giving effect to any credit watch. In no event will the annual interest rate payable on the Notes be less than 9.875%. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Following the occurrence and during the continuance of an Event of Default, the Notes shall bear interest at the Default Rate. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;3. SALE AND PURCHASE OF NOTES. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;3.1. Purchase of Note</B><B>s</B>. Subject to the terms and conditions of the Note Purchase Agreements, the
Issuer will issue and sell to each Purchaser and each Purchaser will purchase from the Issuer, at the Closing provided for in Section&nbsp;4, Notes in the principal amount specified on such Purchaser&#146;s signature page to the applicable Note
Purchase Agreement at the purchase price of 99.081% of the principal amount thereof. The Purchasers&#146; obligations under the Note Purchase Agreements are several and not joint obligations and no Purchaser shall have any liability to any Person
for the performance or <FONT STYLE="white-space:nowrap">non-performance</FONT> of any obligation by any other Purchaser under any other Note Purchase Agreements. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;4. CLOSING. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The sale and
purchase of the Notes to be purchased by each Purchaser shall occur at the offices of Simpson Thacher&nbsp;&amp; Bartlett LLP, 2475 Hanover Street, Palo Alto, CA 94304, at 10:00 A.M. New York City time, at a closing (the &#147;<B>Closing</B>&#148;)
to be held on February&nbsp;5, 2024 (the &#147;<B>Closing Date</B>&#148;); <I>provided</I>, <I>however</I>, that the Closing Date may be moved to such other Business Day as may be agreed upon by the Transaction Entities and the Purchasers. At the
Closing, the Issuer will deliver to each Purchaser the Notes to be purchased by such Purchaser (in the case of Notes issued to a Qualified Institutional Buyer, for the account of such Purchaser through the facilities of DTC), against delivery by
such Purchaser to the Issuer or its order of immediately available funds in the amount of the purchase price therefor by wire transfer of immediately available funds for the account of the Issuer as set forth in wire instructions provided by the
Issuer. The Notes issued to Qualified Institutional Buyers initially shall be represented by one or more Global Notes as set forth in Section&nbsp;14.1. If at the Closing the Issuer shall fail to tender any Notes to any Purchaser as provided above
in this Section&nbsp;4, or any of the conditions specified in Section&nbsp;5 shall not have been fulfilled to such Purchaser&#146;s satisfaction, such Purchaser shall, at its election, be relieved of all further obligations under the applicable Note
Purchase Agreement, without thereby waiving any rights such Purchaser may have by reason of such failure by the Issuer to tender such Notes or any of the conditions specified in Section&nbsp;5 not having been fulfilled to such Purchaser&#146;s
satisfaction. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-2- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;5. CONDITIONS TO CLOSING. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each Purchaser&#146;s obligation to purchase and pay for the Notes to be sold to such Purchaser at the Closing is subject to the fulfillment to
such Purchaser&#146;s satisfaction, prior to or at the Closing, of the following conditions: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;5.1.
Representations and </B><B>Warranties</B>. The representations and warranties of the Transaction Entities set forth in Section&nbsp;6 shall be true and correct in all material respects on and as of the Closing Date, except to the extent such
representations and warranties expressly relate to an earlier date, in which case they shall be true and correct in all material respects as of such earlier date; <I>provided </I>that any representation and warranty that is qualified as to
&#147;materiality&#148;, &#147;Material Adverse Effect&#148; or similar language shall be true and correct (after giving effect to any qualification therein) in all respects on such respective dates. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;5.2. Performance; No Default</B>. The Transaction Entities shall have performed and complied with all agreements
and conditions contained in this Agreement required to be performed or complied with by it prior to or at the Closing Date. Before and after giving effect to the issue and sale of the Notes (and the application of the proceeds thereof as
contemplated by Section&nbsp;6.19), no Default or Event of Default shall have occurred and be continuing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;5.3. Compliance Certificates</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>Officer</I><I>&#146;</I><I>s Certificate</I>. Each of the Transaction Entities shall have delivered to such Purchaser an Officer&#146;s
Certificate, dated the Closing Date, certifying that the conditions specified in Sections 5.1 and 5.2 have been fulfilled. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)
<I>Secretary&#146;s Certificate</I>. Each of the Transaction Entities shall have delivered to such Purchaser a certificate of its Secretary, dated the Closing Date, certifying as to (i)&nbsp;the resolutions attached thereto and other corporate
proceedings relating to the authorization, execution and delivery of the Note Documents to which it is a party and (ii)&nbsp;each of the Transaction Entity&#146;s organizational documents as then in effect. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Good Standing Certificates</I>. Each of the Transaction Entities shall have delivered to such Purchaser a certificate of good standing,
certificate of fact or certificate of existence dated as of a recent date from the Secretary of State of its jurisdiction of organization, and each jurisdiction where its ownership, lease or operation of properties or the conduct of its business
requires such qualification, except to the extent that failure to be so qualified could not reasonably be expected to have a Material Adverse Effect. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-3- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <I>Certified Articles</I>. Each of the Transaction Entities shall have delivered to such
Purchaser certified copies of its certificate of formation or other registered organizational documents from the Secretary of State of its jurisdiction of organization. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;5.4. Collateral Documents</B>. The Collateral Agent and the Purchaser shall have received copies of the
Collateral Documents duly executed by the Issuer and the Collateral Agent, which shall be in full force and effect and the Issuer shall have performed all of its obligations thereunder required to be performed as of the Closing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;5.5. </B><B>Purchase Permitted By Applicable Law, Etc</B><B><I>.</I></B> On the Closing Date, such
Purchaser&#146;s purchase of Notes shall (a)&nbsp;be permitted by the laws and regulations of each jurisdiction to which such Purchaser is subject, without recourse to provisions (such as section&nbsp;1405(a)(8) of the New York Insurance Law)
permitting limited investments by insurance companies without restriction as to the character of the particular investment, (b)&nbsp;not violate any applicable law or regulation (including Regulation T, U or X of the Board of Governors of the
Federal Reserve System) applicable to such Purchaser and (c)&nbsp;not subject such Purchaser to any tax, penalty or liability under or pursuant to any applicable law or regulation, which law, in the case of each of the foregoing clauses (a), (b) and
(c), or regulation was not in effect on the date hereof. If requested by such Purchaser, such Purchaser shall have received an Officer&#146;s Certificate certifying as to such matters of fact as such Purchaser may reasonably specify to enable such
Purchaser to determine whether such purchase is so permitted. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;5.6. Sale of Other Notes</B>.
Contemporaneously with the sale and purchase of the Notes to be purchased by the Purchaser identified on the signature page hereto, the Issuer shall sell to each other Purchaser and each other Purchaser shall purchase the Notes to be purchased by it
at the Closing as specified on the signature page to such Purchaser&#146;s Note Purchase Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;5.7.
Rating of the Notes</B>. Egan-Jones shall have issued a rating for the Notes of not less than BBB. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;5.8.
Changes in Corporate Structure</B>. None of the Transaction Entities shall have changed its jurisdiction of incorporation or organization, as applicable, or been a party to any merger or consolidation or succeeded to all or any substantial part of
the liabilities of any other entity, at any time following December&nbsp;31, 2023<I>.</I> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;5.9.
</B><B>Funding Instructions</B>. At least three (3)&nbsp;Business Days prior to the Closing Date, each Purchaser shall have received written instructions signed by a Responsible Officer on letterhead of the Issuer confirming (i)&nbsp;the name and
address of the transferee bank, (ii)&nbsp;such transferee bank&#146;s ABA number and (iii)&nbsp;the account name and number into which the purchase price for the Notes is to be deposited. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;5.10. Consents and Amendments</B>. To the extent that any approval or consent is required for the execution and
delivery of this Agreement and performance of the transactions contemplated hereunder by the Transaction Entities, including but not limited to under the Note Purchase Agreements dated March&nbsp;15, 2022 by and among the Transaction Entities, the
Collateral Agent and the Purchasers party thereto, governing the terms of the Existing Notes, the Issuer shall have delivered to the Purchasers evidence of such written approval or consent from any such party whose approval or consent is required.
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-4- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;5.11. Collateral Documents and Filings</B>. The UCC financing
statements required to be filed in connection with the transactions contemplated by this Agreement and the Collateral Documents shall have been properly filed in each office required in order to perfect the valid first priority Lien on the
Collateral created in favor of the Collateral Agent, for the ratable benefit of the Collateral Agent and the holders of the Notes, pursuant to the Collateral Documents, to the extent such security interest can be perfected by such filing (subject to
Permitted Liens) and all necessary filing fees, and all taxes and other charges related to such filings, shall have been paid in full (or reasonably satisfactory arrangements shall have been made for such payment). Upon request of the Purchaser, the
Issuer shall have furnished to such Purchaser copies of the Collateral Documents executed on the Closing Date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;5.12. Legal Opinions</B>. The Transaction Entities shall have delivered to such Purchaser the opinion of Simpson
Thacher&nbsp;&amp; Bartlett LLP, counsel to the Transaction Entities, substantially to the effect set forth in <U>Schedule 5.12</U> hereto. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;6. REPRESENTATIONS AND WARRANTIES OF THE TRANSACTION ENTITIES. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each of the Transaction Entities represents and warrants to each Purchaser, as of the Closing Date (or, if any such representations and
warranties expressly relate to an earlier date, then as of such earlier date), that: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;6.1. Organization;
Power and Authority</B>. Each of the Transaction Entities and their respective subsidiaries is duly formed or organized and validly existing as a corporation, limited liability company, limited partnership or other organization in good standing
under the laws of the jurisdiction of its incorporation, formation or organization with full corporate, limited liability company or limited partnership authority, as applicable, to own, lease and operate its properties and to conduct its business
as presently conducted and as described in the SEC Filings and is duly registered and qualified to conduct its business and is in good standing in each jurisdiction or place where the nature of its properties or the conduct of its business requires
such registration or qualification, except where the failure to so register or qualify would not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;6.2. Due Authorization, Execution and Delivery</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Issuer&#146;s execution and delivery of this Note Purchase Agreement and each of the other Note Documents to which it is a party and
the performance by the Issuer of its obligations under this Note Purchase Agreement and each of the Note Documents to which it is a party has been duly authorized by the Issuer, and this Note Purchase Agreement and each of the other Note Documents
to which it is a party have been duly executed and delivered by the Issuer, and, assuming due authorization, execution and delivery by the other parties thereto (other than the Guarantor), this Note Purchase Agreement and each of the other Note
Documents to which it is a party constitute legal, valid and binding obligations of the Issuer, in accordance with their terms, except as such enforceability may be limited by (i)&nbsp;applicable bankruptcy, insolvency, reorganization, moratorium or
other similar laws affecting the enforceability of creditors&#146; rights generally and (ii)&nbsp;general principles of equity (regardless of whether such enforceability is considered in a proceeding in equity or at law). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Guarantor&#146;s execution and delivery of this Note Purchase Agreement and each of the other Note Documents to which it is a party and
the performance by the Guarantor of its obligations under this Note Purchase Agreement and each of the Note Documents to which it is a party has been duly authorized by the Guarantor, and this Note Purchase Agreement and each of the other Note
Documents to which it is a party have been duly executed and delivered by the Guarantor, and, assuming due authorization, execution and delivery by the other parties thereto (other than the Issuer), this Note Purchase Agreement and each of the other
Note Documents to which it is a party constitute legal, valid and binding obligations of the Guarantor, in accordance with their terms, except as such enforceability may be limited by (i)&nbsp;applicable bankruptcy, insolvency, reorganization,
moratorium or other similar laws affecting the enforceability of creditors&#146; rights generally and (ii)&nbsp;general principles of equity (regardless of whether such enforceability is considered in a proceeding in equity or at law). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-5- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;6.3. Disclosure</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) As of its respective date, and, if amended, as of the date of the last such amendment, no SEC Filing contained any untrue statement of a
material fact or omitted to state a material fact required to be stated therein or necessary to make the statements made therein, in light of the circumstances in which they were made, not misleading. &#147;<B>SEC Filings</B>&#148; means the
Guarantor&#146;s reports, registration statements, prospectuses and other documents filed by it with the SEC under the Exchange Act or the Securities Act since January&nbsp;1, 2023 and the disclosure under the heading &#147;Risk Factors&#148; in the
Guarantor&#146;s registration statement on Form <FONT STYLE="white-space:nowrap">S-3</FONT> (file no. <FONT STYLE="white-space:nowrap">333-258971)</FONT> filed on September&nbsp;1, 2021. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) No forward-looking statement (within the meaning of Section&nbsp;27A of the Securities Act and Section&nbsp;21E of the Exchange Act)
contained in the SEC Filings has been made or reaffirmed without a reasonable basis or has been disclosed other than in good faith. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;6.4. Financial Statements: Auditors</B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The consolidated financial statements of the Guarantor, together with the related schedules and notes thereto, included in the SEC Filings
present fairly in all material respects the financial condition, results of operations, cash flows and changes in financial position of the Guarantor and its subsidiaries (including the Issuer) on the basis stated in the SEC Filings at the
respective dates or for the respective periods to which they apply; such financial statements and related schedules and notes thereto have been prepared in conformity with GAAP applied consistently throughout the periods involved, except as
disclosed therein; and the other financial and statistical information and data set forth in the SEC Filings is accurately presented in all material respects. There are no other financial statements (historical or pro forma) that are required to be
included in the SEC Filings. Neither of the Transaction Entities have any material liabilities or obligations, direct or contingent (including any <FONT STYLE="white-space:nowrap">off-balance</FONT> sheet obligations), that are not disclosed in the
SEC Filings. All disclosures contained in the SEC Filings, if any, regarding <FONT STYLE="white-space:nowrap">&#147;non-GAAP</FONT> financial measures&#148; (as such term is defined by the rules and regulations of the Commission) comply with
Regulation&nbsp;G of the Exchange Act and Item&nbsp;10(e) of Regulation <FONT STYLE="white-space:nowrap">S-K</FONT> under the Securities Act, to the extent applicable, and present fairly in the information shown therein and the Guarantor&#146;s
basis for using such measures. The interactive data in eXtensible Business Reporting Language included in the SEC Filings, if any, fairly present the information called for in all material respects and have been prepared in accordance with the
SEC&#146;s rules and guidelines applicable thereto in all material respects. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Each of KPMG LLP and RSM US LLP, who has certified the
audited financial statements and/or reviewed the interim financial statements, as applicable, of the Guarantor included in the SEC Filings, was, as of the applicable dates, an independent registered public accounting firm as required by the
Securities Act and the applicable rules and regulations adopted by the Commission and the Public Accounting Oversight Board (United States). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;6.5. Organization and Ownership of Shares of Subsidiaries</B>. Each of the Guarantor&#146;s &#147;significant
subsidiaries&#148; as defined by <FONT STYLE="white-space:nowrap">Rule&nbsp;1-02&nbsp;of</FONT> <FONT STYLE="white-space:nowrap">Regulation&nbsp;S-X&nbsp;that</FONT> is organized as a corporation, limited or general partnership or limited liability
company is listed on<U>&nbsp;Schedule 6.5</U>&nbsp;hereto. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-6- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Each such significant subsidiary of the Guarantor (i)&nbsp;has been duly organized and is validly existing as a corporation, limited or general partnership or limited liability company, as the
case may be, in good standing under the laws of the jurisdiction of its organization, (ii)&nbsp;has power and authority to own, lease and operate its properties and to conduct its business as described in the SEC Filings and (iii)&nbsp;is duly
qualified as a foreign corporation, limited or general partnership or limited liability company, as the case may be, to transact business and is in good standing in each jurisdiction in which such qualification is required, whether by reason of the
ownership or leasing of property or the conduct of business, except, in each case in this sentence, where the failure so to qualify or to be in good standing would not, individually or in the aggregate, result in a Material Adverse Effect. Except as
otherwise disclosed in the SEC Filings, all of the issued and outstanding shares of capital stock of each such subsidiary that is a corporation, all of the issued and outstanding partnership interests of each such subsidiary that is a limited or
general partnership and all of the issued and outstanding limited liability company interests, membership interests or other similar interests of each such subsidiary that is a limited liability company have been duly authorized and validly issued,
are fully paid and (except in the case of general partnership <FONT STYLE="white-space:nowrap">interests)&nbsp;non-assessable&nbsp;and</FONT> are owned by the Guarantor, directly or through subsidiaries, free and clear of any Lien that is prohibited
by the Note Documents; and none of the issued and outstanding shares of capital stock of any such subsidiary that is a corporation, none of the issued and outstanding partnership interests of any such subsidiary that is a limited or general
partnership, and none of the issued and outstanding limited liability company interests, membership interests or other similar interests of any such subsidiary that is a limited liability company was issued in violation of any preemptive rights,
rights of first refusal or other similar rights of any securityholder of such subsidiary or any other person.<U>&nbsp;Schedule 6.5</U>&nbsp;accurately sets forth whether each such significant subsidiary of the Guarantor is a corporation, limited or
general partnership or limited liability company and the jurisdiction of organization of each such subsidiary and, in the case of any significant subsidiary which is a partnership or limited liability company, its general partners and managing
members, respectively. The only subsidiaries of the Guarantor are (A)&nbsp;the Issuer, (B)&nbsp;the subsidiaries of the Guarantor listed on Exhibit&nbsp;21 to the Guarantor&#146;s most recent Annual Report on
<FONT STYLE="white-space:nowrap">Form&nbsp;10-K&nbsp;and</FONT> (C)&nbsp;certain other subsidiaries which, considered in the aggregate as a single subsidiary, do not constitute a significant subsidiary, as defined in Rule <FONT
STYLE="white-space:nowrap">1-02</FONT> of Regulation <FONT STYLE="white-space:nowrap">S-X.</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;6.6.
</B><B>No Restriction on Dividends. </B>Except as described in the SEC Filings, neither Transaction Entity nor any of its respective subsidiaries (other than Securitization Entities or Warehouse Facility Entities) will be a party to or otherwise
bound by any instrument or agreement that limits or prohibits or could limit or prohibit, directly or indirectly, either Transaction Entities from paying any dividends or making other distributions on its capital stock, and no subsidiary of a
Transaction Entity (other than Securitization Entities or Warehouse Facility Entities) is a party to or otherwise bound by any instrument or agreement that limits or prohibits or could limit or prohibit, directly or indirectly, any such subsidiary
of a Transaction Entity from paying any dividends or making any other distributions on its capital stock, limited or general partnership interests, limited liability company interests, or other equity interests, as the case may be, or from repaying
any loans or advances from, or (except for instruments or agreements that by their express terms prohibit the transfer or assignment thereof or of any rights thereunder) transferring any of its properties or assets to, a Transaction Entity or any
other subsidiary. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;6.7. Compliance with Laws, Other Instruments, Etc</B><B>.</B> None of the issuance and
sale of the securities by the Transaction Entities, the execution, delivery and performance by each of the Transaction Entities of the Note Documents to which it is a party, nor the consummation by the Transaction Entities of the transactions
contemplated herein or therein will (i)&nbsp;contravene, result in any breach of, or constitute a default under, or result in the creation of any Lien in respect of any property of either of the Transaction Entities or any of their respective
subsidiaries under, any (A)&nbsp;indenture, mortgage, deed of trust, loan, purchase or credit agreement, lease or any other agreement or instrument to which either of the Transaction Entities or any of their respective subsidiaries is bound or by
which either of the Transaction Entities, or any of their respective subsidiaries or any of their respective properties may be bound or affected or (B)&nbsp;the corporate charter, operating agreement, regulations or
<FONT STYLE="white-space:nowrap">by-laws</FONT> or shareholders agreement, as applicable, of either of the Transaction Entities or any of their respective subsidiaries, (ii)&nbsp;conflict with or result in a breach of any of the terms, conditions or
provisions of any order, judgment, decree or ruling of any court, arbitrator or Governmental Authority applicable to either of the Transaction Entities or any of their respective subsidiaries, or (iii)&nbsp;violate any provision of any statute or
other rule or regulation of any Governmental Authority applicable to either of the Transaction Entities or any of their respective subsidiaries, in each case, except where any of the foregoing (other than clause (i)(B) above), individually or in the
aggregate, could not reasonably be expected to result in a Material Adverse Effect. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-7- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;6.8. Governmental Authorizations, Etc</B><B>.</B> No material
approval, consent, exemption, authorization, or other action by, or notice to, or filing with, any Governmental Authority or any Person is necessary or required in connection with the execution, delivery or performance by the Transaction Entities of
this Agreement or any other Note Document, the grant by the Issuer of the Liens granted by it pursuant to the Collateral Documents, the perfection or maintenance of the Liens created under the Collateral Documents (including the priority thereof) or
the exercise by the holders of the Notes of their rights under the Note Documents or the remedies in respect of the Collateral pursuant to the Collateral Documents, except for (i)&nbsp;filings and registrations necessary to perfect the Liens on the
Collateral granted by the Issuer in favor of the holders of the Notes, (ii)&nbsp;the approvals, consents, exemptions, authorizations, actions, notices and filings which have been duly obtained, taken, given or made and are in full force and effect
(except to the extent not required to be obtained, taken, given or made or in full force and effect pursuant to the Note Documents) and (iii)&nbsp;those approvals, consents, exemptions, authorizations or other actions, notices or filings, the
failure of which to obtain or make could not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;6.9. Litigation; Observance of Agreements, Statutes and Orders</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Except as disclosed in the SEC Filings, (i)&nbsp;there is no action, suit, proceeding, inquiry or investigation before or brought by any
court or governmental agency or body, domestic or foreign, now pending, or, to the knowledge of the Transaction Entities, threatened, against or affecting the Transaction Entities that would, individually or in the aggregate, reasonably be expected
to result in a Material Adverse Effect, or that would reasonably be expected to materially and adversely affect the consummation of the transactions contemplated in this Agreement and the other Note Documents, as applicable, or the performance by
the Transaction Entities of their respective obligations hereunder or thereunder. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The operations of the Transaction Entities and their
respective subsidiaries are and have been conducted in compliance in all material respects with applicable financial recordkeeping and reporting requirements of the Currency and Foreign Transactions Reporting Act of 1970, as amended, the USA PATRIOT
Act of 2001, as amended, or the money laundering statutes of all jurisdictions where the Transaction Entities conduct business (the &#147;<B>Anti-Money Laundering Laws</B>&#148;), the rules and regulations thereunder and any related or similar
rules, regulations or guidelines, issued, administered or enforced by any governmental agency. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Neither of the Transaction Entities nor
any of their respective subsidiaries nor, to the knowledge of the Transaction Entities, any director, officer, agent, employee or affiliate of the Transaction Entities or any of their respective subsidiaries has taken any action, directly or
indirectly, that would result in a violation by such persons of the Foreign Corrupt Practices Act of 1977, as amended (the &#147;<B>Foreign Corrupt Practices Act</B>&#148;), and the rules and regulations thereunder or any similar anti-corruption law
(collectively, &#147;<B>Anti-Corruption Laws</B>&#148;), including, without limitation, taking any action in furtherance of an offer, payment, promise to pay or authorization of the payment of any money, or other property, gift, promise to give, or
authorization of the giving of anything of value to any &#147;foreign official&#148; (as such term is defined in the Foreign Corrupt Practices Act) or any foreign political party or official thereof or any candidate for foreign political office, in
contravention of the Anti-Corruption Laws; and the Transaction Entities and their respective subsidiaries and, to the knowledge of the Transaction Entities, its affiliates have conducted their businesses in compliance in all material respects with
the Anti-Corruption Laws and have instituted and maintain policies and procedures designed to ensure, and which are reasonably expected to continue to ensure, continued compliance in all material respects therewith. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-8- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Neither of the Transaction Entities nor any of their respective subsidiaries nor, to the
knowledge of the Transaction Entities, any director, officer, agent, employee or affiliate of the Transaction Entities or any of their respective subsidiaries is currently subject to any U.S. sanctions administered by the Office of Foreign Assets
Control of the U.S. Department of the Treasury (&#147;<B>OFAC</B>&#148;); and the Transaction Entities will not directly or indirectly use the proceeds of the sale of the securities, or lend, contribute or otherwise make available such proceeds to
any subsidiary, joint venture partner or other person or entity, for the purpose of financing the activities of any person currently subject to any U.S. sanctions administered by OFAC (a &#147;<B>Sanctioned Person</B>&#148;). In addition, neither of
the Transaction Entities nor any of the their respective subsidiaries, nor, to the knowledge of the Transaction Entities, any director, officer, agent, employee or affiliate of the Transaction Entities or any of their respective subsidiaries, is an
individual or entity currently the subject of any sanctions administered or enforced by OFAC, the United Nations Security Council, the European Union or Her Majesty&#146;s Treasury (collectively, &#147;<B>Sanctions</B>&#148;), nor are the
Transaction Entities nor any of their respective subsidiaries located, organized or resident in a country or territory that is the subject or the target of comprehensive Sanctions, including, without limitation, Cuba, Iran, North Korea, Syria and
the Crimea region (each, a &#147;<B>Sanctioned Country</B>&#148;). Neither of the Transaction Entities will, directly or indirectly, use the proceeds of the sale of the securities, or lend, contribute or otherwise make available such proceeds to any
subsidiary, joint venture partner or other person or entity to fund or facilitate any activities of or business with any person, or in any country or territory, that, at the time of such funding or facilitation, is a Sanctioned Person or Sanctioned
Country, in each case, in any manner that will result in a violation by any person (including any person participating in the transaction, whether as Purchaser, advisor, investor or otherwise) of Sanctions. For the past five years, neither the
Transaction Entities nor any of their respective subsidiaries have knowingly engaged in, or are now knowingly engaged in, any dealings or transactions with any person that at the time of the dealing or transaction is or was a Sanctioned Person or
with any Sanctioned Country. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) Except as described in the SEC Filings and except as would not, individually or in the aggregate, result
in a Material Adverse Effect, (A)&nbsp;neither Transaction Entity nor any of their respective subsidiaries is in violation of any federal, state, local or foreign statute, law, rule, regulation, ordinance, code, policy or rule of common law or any
judicial or administrative interpretation thereof, including any judicial or administrative order, consent, decree or judgment, relating to pollution or protection of human health, the environment (including, without limitation, ambient air, surface
water, groundwater, land surface or subsurface strata) or wildlife, including, without limitation, laws and regulations relating to the release or threatened release of chemicals, pollutants, contaminants, wastes, toxic substances, hazardous
substances, petroleum or petroleum products (collectively, &#147;<B>Hazardous Materials</B>&#148;) or to the manufacture, processing, distribution, use, treatment, storage, disposal, transport or handling of Hazardous Materials (collectively,
&#147;<B>Environmental Laws</B>&#148;), (B) the Transaction Entities and their subsidiaries have all permits, authorizations and approvals required under any applicable Environmental Laws to conduct the business now operated by them and are each in
compliance with their requirements, (C)&nbsp;there are no pending or threatened administrative, regulatory or judicial actions, suits, demands, demand letters, claims, Liens, notices of noncompliance or violation, investigation or proceedings
relating to any Environmental Law against either Transaction Entity or any of its subsidiaries and (D)&nbsp;there are no events or circumstances that might reasonably be expected to form the basis of an order
<FONT STYLE="white-space:nowrap">for&nbsp;clean-up&nbsp;or</FONT> remediation, or an action, suit or proceeding by any private party or governmental body or agency, against or affecting the Transaction Entities or any of their respective
subsidiaries relating to Hazardous Materials or any Environmental Laws. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-9- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) Neither of the Transaction Entities nor any of their respective subsidiaries is
(i)&nbsp;in violation of (A)&nbsp;its articles of incorporation or bylaws, or other organizational documents, (B)&nbsp;any federal, state or foreign law, ordinance, administrative or governmental rule or regulation applicable to a Transaction Entity
or any of their subsidiaries, or (C)&nbsp;any decree of any federal, state or foreign court or governmental agency or body having jurisdiction over either of the Transaction Entities or any of their respective subsidiaries, except, in the case of
(B)&nbsp;and (C), for violations that would not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect; or (ii)&nbsp;in default in any material respect in the performance of any obligation, agreement or condition
contained in any agreement, contract, lease or other instrument to which such Transaction Entity is a party (&#147;<B>Existing Instrument</B>&#148;), except for such defaults which would not, individually or in the aggregate, reasonably be expected
to have a Material Adverse Effect; and there does not exist any state of facts that constitutes an event of default on the part of either of the Transaction Entities or any of their respective subsidiaries as defined in such documents or that, with
notice or lapse of time or both, would constitute such an event of default, except for such events of default which would not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;6.10. Taxes</B>. The Transaction Entities and their respective subsidiaries have filed all foreign, federal,
state and local tax returns that are required to be filed or have obtained extensions thereof, except where the failure so to file would not, individually or in the aggregate, result in a Material Adverse Effect, and have paid all taxes (including,
without limitation, any estimated taxes) required to be paid and any other assessment, fine or penalty, to the extent that any of the foregoing is due and payable, except for any such tax, assessment, fine or penalty that is currently being
contested in good faith by appropriate actions and except for such taxes, assessments, fines or penalties the nonpayment of which would not, individually or in the aggregate, result in a Material Adverse Effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;6.11. </B><B>Affiliate</B><B> Transactions</B>. There are no business relationships or related party
transactions involving the Guarantor or any of its subsidiaries or, to the knowledge of the Guarantor, any other person that are required to be described in the SEC Filings that have not been described as required. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;6.12. Title to Property</B>. The Guarantor and its subsidiaries have good and marketable title to all real
property owned by any of them (if any) and good title to all other properties and assets owned by any of them, in each case, free and clear of all Liens except such as (A)&nbsp;are described in the SEC Filings or (B)&nbsp;are not, individually or in
the aggregate, material to the Guarantor and its subsidiaries taken as a whole, are not required to be disclosed in the SEC Filings, do not, individually or in the aggregate, materially affect the value of such property and do not interfere with the
use made and proposed to be made of such property by the Guarantor or any of its subsidiaries; all real property, buildings and other improvements, and all equipment and other property, held under lease or sublease by the Guarantor or any of its
subsidiaries is held by them under valid, subsisting and enforceable leases or subleases, as the case may be, with, solely in the case of leases or subleases relating to real property and buildings or other improvements, such exceptions as are not
material and do not interfere with the use made or proposed to be made of such property and buildings or other improvements by the Guarantor and its subsidiaries, and all such leases and subleases are in full force and effect; and neither the
Guarantor nor any of its subsidiaries has received any notice of any claim of any sort that has been asserted by anyone adverse to the rights of the Guarantor or any of its subsidiaries under any of the leases or subleases mentioned above or
affecting or questioning the rights of the Guarantor or any of its subsidiaries to the continued possession of the leased or subleased premises, or to the continued use of the leased or subleased equipment or other property, except for such claims
which, if successfully asserted against the Guarantor or any of its subsidiaries, would not reasonably be expected, individually or in the aggregate, to result in a Material Adverse Effect. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-10- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;6.13. </B><B>Intellectual Property</B>. The Guarantor and its
subsidiaries own and possess or have valid and enforceable licenses to use, all patents, patent rights, patent applications, licenses, copyrights, <FONT STYLE="white-space:nowrap">inventions,&nbsp;know-how&nbsp;(including</FONT> trade secrets and
other unpatented and/or unpatentable proprietary or confidential information, systems or procedures), trademarks, service marks, trade names, service names, software, internet addresses, domain names and other intellectual property (collectively,
&#147;<B>Intellectual Property</B>&#148;) that is described in the SEC Filings or that is necessary for the conduct of their respective businesses as currently conducted, as proposed to be conducted and as described in the SEC Filings; neither the
Guarantor nor any of its subsidiaries has received any notice or is otherwise aware of any infringement of or conflict with rights of others with respect to any Intellectual Property or of any facts or circumstances which would render any
Intellectual Property invalid or inadequate to protect the interests of the Guarantor or any of its subsidiaries therein; there are no third parties who have or, to the knowledge of the Transaction Entities, will be able to establish rights to any
Intellectual Property of the Guarantor or any of its subsidiaries, except for, and to the extent of, the ownership rights of the owners of the Intellectual Property which the SEC Filings disclose is licensed to the Guarantor or any of its
subsidiaries; there is no pending or, to the knowledge of the Transaction Entities, threatened action, suit, proceeding or claim by others challenging the Guarantor&#146;s or any subsidiary&#146;s rights in or to any such Intellectual Property, or
challenging the validity, enforceability or scope of any such Intellectual Property, or asserting that the Guarantor or any subsidiary infringes or otherwise violates, or would, upon the commercialization of any product or service described in the
SEC Filings, infringe or violate, any Intellectual Property of others, and the Transaction Entities are unaware of any facts which could form a reasonable basis for any such action, suit, proceeding or claim; the Guarantor and its subsidiaries have
complied with the terms of each agreement pursuant to which any Intellectual Property has been licensed to the Guarantor or any subsidiary, all such agreements are in full force and effect, and no event or condition has occurred or exists that gives
or with notice or passage of time or both, would give any person the right to terminate any such agreement; and there is no patent or patent application that contains claims that interfere with the issued or pending claims of any such Intellectual
Property of the Guarantor or any of its subsidiaries or that challenges the validity, enforceability or scope of any such Intellectual Property, except, in each case with respect to this Section&nbsp;6.13, such failures, allegations, actions,
proceedings, violations, infringements, or other circumstances as would not reasonably be expected, individually or in the aggregate, to result in a Material Adverse Effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;6.14. Controls</B>. The Guarantor and its consolidated subsidiaries maintain and have maintained effective
&#147;internal control over financial reporting&#148; (as defined in <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Rule&nbsp;13a-15&nbsp;and&nbsp;15d-15&nbsp;under</FONT></FONT> the Exchange Act). The Guarantor and its
consolidated subsidiaries maintain a system of internal accounting controls sufficient to provide reasonable assurance that (A)&nbsp;transactions are executed in accordance with management&#146;s general or specific authorizations;
(B)&nbsp;transactions are recorded as necessary to permit preparation of financial statements in conformity with GAAP and to maintain asset accountability; (C)&nbsp;access to assets is permitted only in accordance with management&#146;s general or
specific authorization; and (D)&nbsp;the recorded accountability for assets is compared with the existing assets at reasonable intervals and appropriate action is taken with respect to any differences. Except as described in the SEC Filings, since
the end of the Guarantor&#146;s most recent audited fiscal year, there has been (1)&nbsp;no material weakness (as defined in <FONT STYLE="white-space:nowrap">Rule&nbsp;1-02&nbsp;of</FONT>
<FONT STYLE="white-space:nowrap">Regulation&nbsp;S-X)&nbsp;in</FONT> the Company&#146;s and its subsidiaries&#146; internal controls over financial reporting (whether or not remediated) and (2)&nbsp;no change in the Guarantor&#146;s internal control
over financial reporting that has materially affected, or is reasonably likely to materially affect, the Guarantor&#146;s internal control over financial reporting. The Guarantor and its subsidiaries, on a consolidated basis, maintain
&#147;disclosure controls and procedures&#148; as such term is defined in <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Rule&nbsp;13a-15&nbsp;and&nbsp;15d-15&nbsp;under</FONT></FONT> the Exchange Act that are designed to ensure
that information required to be disclosed by the Company in the reports that it files or submits under the Exchange Act is recorded, processed, summarized and reported, within the time periods specified in the Commission&#146;s rules and forms, and
is accumulated and communicated to the Guarantor&#146;s management, including its principal executive officer or officers and principal financial officer or officers, as appropriate, to allow timely decisions regarding disclosure. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-11- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;6.15. </B><B>Sarbanes-Oxley Compliance</B>. There is and has
been no failure on the part of the either Transaction Entity or any of their directors or officers, in their capacities as such, to comply with any provision of the Sarbanes-Oxley Act with which any of them is required to comply, including
Section&nbsp;402 related to loans and Sections 302 and 906 related to certifications.. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;6.16. ERISA</B>.
None of the following events has occurred or exists: (i)&nbsp;a failure to fulfill the obligations, if any, under the minimum funding standards of Section&nbsp;302 of ERISA with respect to a Plan (as defined below) determined without regard to any
waiver of such obligations or extension of any amortization period; (ii)&nbsp;an audit or investigation by the Internal Revenue Service, the U.S. Department of Labor, the Pension Benefit Guaranty Corporation or any other federal, state or foreign
governmental or regulatory agency with respect to the employment or compensation of employees by the Transaction Entities or any of their subsidiaries that might reasonably be expected, individually or in the aggregate, to result in a Material
Adverse Effect; or (iii)&nbsp;any breach of any contractual obligation, or any violation of law or applicable qualification standards, with respect to the employment or compensation of employees by the Transaction Entities or any of their
subsidiaries that might reasonably be expected, individually or in the aggregate, to result in a Material Adverse Effect. None of the following events has occurred or is reasonably likely to occur: (i)&nbsp;a material increase in the aggregate
amount of contributions required to be made to all Plans in the current fiscal year of the Guarantor and its subsidiaries compared to the amount of such contributions made in the Guarantor&#146;s most recently completed fiscal year; (ii)&nbsp;a
material increase in the &#147;accumulated post-retirement benefit obligations&#148; (within the meaning of Accounting Standards Codification <FONT STYLE="white-space:nowrap">Topic&nbsp;715-60)&nbsp;of</FONT> the Guarantor and its subsidiaries
compared to the amount of such obligations in the Guarantor&#146;s most recently completed fiscal year; (iii)&nbsp;any event or condition giving rise to a liability under Title IV of ERISA that might reasonably be expected, individually or in the
aggregate, to result in a Material Adverse Effect; or (iv)&nbsp;the filing of a claim by one or more employees or former employees of the Transaction Entities or any of their subsidiaries related to its or their employment that might reasonably be
expected, individually or in the aggregate, to result in a Material Adverse Effect. For purposes of this paragraph and the definition of ERISA, the term &#147;Plan&#148; means a plan (within the meaning of Section&nbsp;3(3) of ERISA) with respect to
which the Company or any of its subsidiaries may have any liability. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;6.17. Insurance</B>. The Transaction
Entities and their respective subsidiaries are insured by insurers of recognized financial responsibility against such losses and risks and in such amounts as are prudent and customary in the businesses in which they are engaged; all policies of
insurance and any fidelity or surety bonds insuring the Transaction Entities or any of their respective subsidiaries or their respective businesses, assets, employees, officers and directors are in full force and effect; the Transaction Entities and
their respective subsidiaries are in compliance with the terms of such policies and instruments in all material respects; there are no claims by either Transaction Entity or any of its subsidiaries under any such policy or instrument as to which any
insurance company is denying liability or defending under a reservation of rights clause; neither Transaction Entity nor any such subsidiary has been refused any insurance coverage sought or applied for; and neither Transaction Entity nor any such
subsidiary has any reason to believe that it will not be able to renew its existing insurance coverage as and when such coverage expires or to obtain similar coverage from similar insurers at a cost that would not, individually or in the aggregate,
result in a Material Adverse Effect. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-12- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;6.18. Private Offering by the Transaction Entities</B>. None of
the Transaction Entities nor anyone acting on their behalf has offered the Notes or any similar securities for sale to, or solicited any offer to buy the Notes or any similar securities from, or otherwise approached or negotiated in respect thereof
with, any Person other than the Purchasers and other accredited investors, each of which has been offered the securities in a private sale for investment. None of the Transaction Entities nor anyone acting on their behalf has taken, or will take,
any action that would subject the issuance or sale of the securities to the registration requirements of Section&nbsp;5 of the Securities Act or to the registration requirements of any securities or blue sky laws of any applicable jurisdiction. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;6.19. Use of Proceeds; Margin Regulations</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Issuer is not engaged nor will it engage, principally or as one of its important activities, in the business of purchasing or carrying
margin stock, or extending credit for the purpose of buying or carrying margin stock, and no part of the proceeds from the sale of the securities hereunder will be used, directly or indirectly, for any purpose that violates Regulation U. As used in
this Section, the terms &#147;margin stock&#148; and &#147;purpose of buying or carrying&#148; shall have the meanings assigned to them in said Regulation U. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) None of the Transaction Entities is, and after the issuance of the securities and the use of the proceeds therefrom will be, required to be
registered as an &#147;investment company&#148; under the Investment Company Act of 1940. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;6.20.
</B><B>Cyber Security. </B>There has been no security breach or incident, unauthorized access or disclosure, or other compromise of or relating to any of the Guarantor&#146;s and its subsidiaries&#146; information technology and computer systems,
networks, hardware, software, data and databases (including the data and information of their respective customers, employees, suppliers, vendors and any third party data maintained, processed or stored by the Guarantor and its subsidiaries, and any
such data processed or stored by third parties on behalf of the Guarantor and its subsidiaries), equipment or technology (collectively, &#147;<B>IT Systems and Data</B>&#148;) and the Guarantor and its subsidiaries have not been notified of, and
have no knowledge of any such event or condition that would reasonably be expected to result in, any security breach or incident, unauthorized access or disclosure or other compromise to their IT Systems and Data, except in each case, for any
breach, incident, access, compromise, event or condition that would not reasonably be expected individually or in the aggregate, to result in a Material Adverse Effect. The Guarantor and its subsidiaries are presently in material compliance with all
applicable laws or statutes and all judgments, orders, rules and regulations of any court or arbitrator or governmental or regulatory authority, internal policies and contractual obligations relating to the privacy and security of IT Systems and
Data and to the protection of such IT Systems and Data from unauthorized use, access, misappropriation or modification, except for any failure to comply that would not reasonably be expected, individually or in the aggregate, to result in a Material
Adverse Effect. The Guarantor and its subsidiaries have implemented appropriate controls, policies, procedures, and technological safeguards designed to maintain and protect the integrity, continuous operation, redundancy and security of their IT
Systems and Data reasonably consistent with industry standards and practices, or as required by applicable regulatory standards. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-13- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;6.21. Collateral Documents</B>. Except as otherwise
contemplated hereby or under any other Note Documents, the provisions of the Collateral Documents (together with such filings and other actions required to be taken hereby or by the applicable Collateral Documents) are effective to create in favor
of the Collateral Agent, for the benefit of the Collateral Agent and the holders of the Notes (subject to Permitted Liens), a legal, valid, enforceable Lien on all right, title and interest of the Issuer in the Collateral described therein and
(i)&nbsp;when financing statements and other filings in appropriate form are filed in the applicable filing offices in the appropriate jurisdictions and (ii)&nbsp;upon the taking of possession or control by the Collateral Agent of such Collateral
with respect to which a security interest may be perfected only by possession or control (which possession or control shall be given to the Collateral Agent to the extent possession or control by the Collateral Agent is required by the Collateral
Documents), the Liens created by the Collateral Documents shall constitute fully perfected Liens on, and security interests in (to the extent intended to be created thereby), all right, title and interest of the grantors in such Collateral to the
extent perfection can be obtained by filing financing statements, in each case subject to no Liens other than Permitted Liens. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;7.
REPRESENTATIONS OF THE PURCHASERS. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;7.1. Purchase for Investment</B>. The Purchaser identified on the
signature page hereto represents that it is purchasing the securities for its own account or for one or more separate accounts maintained by such Purchaser or for the account of one or more pension or trust funds and not with a view to the
distribution thereof; <I>provided</I> that the disposition of such Purchaser&#146;s or their property shall at all times be within such Purchaser&#146;s or their control. The Purchaser identified on the signature page hereto understands that the
offer and sale of the securities have not been registered under the Securities Act and such securities may be resold only if such resale is registered pursuant to the provisions of the Securities Act or if an exemption from registration is
available, except under circumstances where neither such registration nor such an exemption is required by law, and that the Issuer is not required to register the offer and sale, or resale, of the Notes. The Issuer and Purchaser identified on the
signature page hereto agree that such Purchaser is not a Competitor. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;7.2. Investment Experience; Access to
Information</B>. The Purchaser identified on the signature page hereto (a)&nbsp;is an &#147;accredited investor&#148; as defined in clauses (1), (2), (3), (7), (8), (9), (12) or (13)&nbsp;of Rule 501(a) of Regulation D promulgated under the
Securities Act, (b)&nbsp;either alone or together with its representatives has such knowledge and experience in financial and business matters as to be capable of evaluating the merits and risks of this investment and make an informed decision to so
invest, and has so evaluated the risks and merits of such investment, (c)&nbsp;has the ability to bear the economic risks of this investment and can afford a complete loss of such investment, (d)&nbsp;understands the terms of and risks associated
with the purchase of the Notes, including, without limitation, a lack of liquidity, pricing availability and risks associated with the industry in which the Transaction Entities operate, (e)&nbsp;has had the opportunity to review the business and
financial condition of the Transaction Entities as such Purchaser has determined to be necessary in connection with the purchase of the Notes, and (f)&nbsp;has had an opportunity to ask such questions and make such inquiries concerning the
Transaction Entities, its business and its financial condition as such the Purchaser has deemed appropriate in connection with such purchase and to receive satisfactory answers to such questions and inquiries. If so indicated on its signature page
to this Agreement by inclusion thereon of the CUSIP for the Global Note (92259R AC9), each undersigned Purchaser is a Qualified Institutional Buyer. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;7.3. Authorization</B>. The Purchaser identified on the signature page hereto has full power and authority to
enter into this Agreement. This Agreement, when executed and delivered by such Purchaser, will constitute a valid and legally binding obligation of such Purchaser, enforceable in accordance with its terms, except as limited by applicable bankruptcy,
insolvency, reorganization, moratorium, fraudulent conveyance and any other laws of general application affecting enforcement of creditors&#146; rights generally, and as limited by laws relating to the availability of specific performance,
injunctive relief or other equitable remedies. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-14- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;8. INFORMATION AS TO TRANSACTION ENTITIES. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;8.1. Financial and Business Information</B>. Subject to Section&nbsp;8.1(c), the Transaction Entities shall
deliver to each Purchaser (other than a Competitor): </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>Quarterly Statements</I>. Within forty-five (45)&nbsp;days after the end of
each quarterly fiscal period in each fiscal year of the Transaction Entities (other than the last quarterly fiscal period of each such fiscal year), duplicate copies of, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) a consolidated balance sheet of the Guarantor and its subsidiaries (including the Issuer) as of the end of such quarter,
and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) consolidated statements of operations, changes in shareholders&#146; equity and cash flows of the Guarantor and
its subsidiaries (including the Issuer), for such quarter and (in the case of the second and third quarters) for the portion of the fiscal year ending with such quarter, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">setting forth, in each case in comparative form, the figures for the corresponding periods in the previous fiscal year, all in reasonable
detail, prepared in accordance with GAAP applicable to quarterly financial statements generally, and certified by a Senior Financial Officer as fairly presenting, in all material respects, the financial position of the companies being reported on
and their results of operations and cash flows, subject to changes resulting from <FONT STYLE="white-space:nowrap">year-end</FONT> adjustments; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Annual Statements.</I> Within ninety (90)&nbsp;days after the end of each fiscal year of the Transaction Entities, duplicate copies of,
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) a consolidated balance sheet of the Guarantor and its subsidiaries (including the Issuer) as of the end of such year,
and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) consolidated statements of operations, changes in shareholders&#146; equity and cash flows of the Guarantor and
its subsidiaries (including the Issuer) for such year, </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">setting forth, in each case in comparative form, the figures for the previous
fiscal year, all in reasonable detail, prepared in accordance with GAAP, and accompanied by an opinion thereon of independent public accountants (without an emphasis of matter paragraph related to &#147;going concern&#148; as defined by Statement on
Accounting Standards <FONT STYLE="white-space:nowrap">AU-C</FONT> Section&nbsp;570 &#147;The Auditor&#146;s Consideration of an Entity&#146;s Ability to Continue as a Going Concern&#148; (or any similar statement under any amended or successor rule
as may be adopted by the Auditing Standards Board from time to time) (other than (1)&nbsp;solely with respect to, or expressly resulting solely from, an upcoming maturity date under the documentation governing any Indebtedness, (2)&nbsp;the
activities, operations, financial results, assets or liabilities of any subsidiaries of the Issuer that are not Guarantors or (3)&nbsp;any prospective breach of the financial covenants in Section&nbsp;11.3), which opinion shall state that such
financial statements present fairly, in all material respects, the financial position of the companies being reported upon and their results of operations and cash flows and have been prepared in conformity with GAAP, and that the examination of
such accountants in connection with such financial statements has been made in accordance with generally accepted auditing standards, and that such audit provides a reasonable basis for such opinion in the circumstances. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-15- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>SEC Filings.</I> Notwithstanding anything to the contrary in Sections 8.1(a) and
(b)&nbsp;above, the Transaction Entities shall not be required to provide quarterly and annual statements to each Purchaser of a Note in accordance with Sections 8.1(a) and (b)&nbsp;to the extent that the Guarantor has filed with the SEC any
Quarterly Report on Form <FONT STYLE="white-space:nowrap">10-Q</FONT> or Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> for the relevant fiscal period within the time periods set forth in Section&nbsp;8.1(a) and (b)&nbsp;above.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <I>Notice of Default or Event of Default. </I>Promptly, and in any event within five Business Days after a Responsible Officer becomes
aware of the existence of any Default or Event of Default, the Transaction Entities shall provide the Purchasers a written notice specifying the nature and period of existence thereof and what action the Transaction Entities are taking or propose to
take with respect thereto; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <I>Notice of Material Adverse Effect</I>. The Transaction Entities shall provide the Purchasers promptly,
and in any event within 30 days after a Responsible Officer has received a written notice of any breach or <FONT STYLE="white-space:nowrap">non-performance</FONT> of, or any default under, an Existing Instrument of the Transaction Entities that has
resulted or would reasonably be expected to result in a Material Adverse Effect. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) <I>Information from Purchasers</I>. Upon request by
the Transaction Entities, a Purchaser shall provide information to the Transaction Entities as reasonably requested by the Transaction Entities to allow the Transaction Entities to determine such Purchaser is not a Competitor, and the Purchaser
shall provide such information within twenty (20)&nbsp;Business Days of such request. If the Transaction Entities make such request in good faith and acts reasonably in furtherance of the foregoing and such Purchaser does not provide adequate
information to the Transaction Entities for the Transaction Entities to make a determination, the Transaction Entities shall be entitled to treat such Purchaser as a Competitor. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;8.2. Officer</B><B>&#146;</B><B>s Certificate</B>. Each set of financial statements delivered to a Purchaser
pursuant to Sections 8.1(a) or (b)&nbsp;shall be accompanied by an Officer&#146;s Certificate as provided in this Section&nbsp;8.2; <I>provided</I>, <I>however</I>, that if the Transaction Entities are not required to deliver to Purchasers the
financial statements pursuant to Sections 8.1(a) or (b)&nbsp;as a result of their compliance with Section&nbsp;8.1(c), the Transaction Entities shall nonetheless deliver to the Purchasers an Officer&#146;s Certificate in accordance with this
Section&nbsp;8.2 within the time periods set forth in Sections 8.1(a) or (b), as applicable, but in no event later than five (5)&nbsp;Business Days after the applicable Quarterly Report on Form <FONT STYLE="white-space:nowrap">10-Q</FONT> or Annual
Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> has been filed with the SEC. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>Covenant Compliance</I>. The
Officer&#146;s Certificate shall certify that the Transaction Entities are in compliance with the financial covenants of Section&nbsp;11.3 and shall set forth the information from such financial statements that is required in order to establish
whether the Transaction Entities were in compliance with the requirements of Section&nbsp;11.3 during the quarterly or annual period covered by the financial statements then being furnished (or deemed to have been furnished in accordance with
Section&nbsp;8.1(c)) (including with respect to each such provision that involves mathematical calculations, the information from such financial statements that is required to perform such calculations) and, to the extent that Section&nbsp;11.3 sets
forth any maximum or minimum amount, ratio or percentage applicable to the Transaction Entities, the calculation of the amount, ratio or percentage, as the case may be, then in existence; and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-16- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Event of Default</I>. The Officer&#146;s Certificate shall certify that such Senior
Financial Officer has reviewed the relevant terms hereof and has made, or caused to be made, under his or her supervision, a review of the transactions and conditions of the Transaction Entities and their respective subsidiaries from the beginning
of the quarterly or annual period covered by the financial statements then being furnished (or deemed to have been furnished in accordance with Section&nbsp;8.1(c)) to the date of the certificate and that such review shall not have disclosed the
existence during such period of any condition or event that constitutes a Default or an Event of Default or, if any such condition or event existed or exists, specifying the nature and period of existence thereof and what action the Transaction
Entities shall have taken or propose to take with respect thereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;8.3. Electronic Delivery</B>. Financial
statements, opinions of independent certified public accountants, notices, other information and Officer&#146;s Certificates that are required to be delivered by the Transaction Entities pursuant to Section&nbsp;8.1(a), Section&nbsp;8.1(b) and
Section&nbsp;8.2 shall be deemed to have been delivered if such financial statements satisfying the requirements of Sections 8.1(a) or (b)&nbsp;and related Officer&#146;s Certificate satisfying the requirements of Section&nbsp;8.2 are delivered to
each Purchaser by <FONT STYLE="white-space:nowrap">e-mail</FONT> at the <FONT STYLE="white-space:nowrap">e-mail</FONT> address set forth in such Purchaser&#146;s signature page to the applicable Note Purchase Agreement (or otherwise in accordance
with the procedures of DTC) or as communicated from time to time in a separate writing delivered to the Transaction Entities. The Transaction Entities will be deemed to have delivered the Officer&#146;s Certificate when <FONT
STYLE="white-space:nowrap">e-mailed</FONT> to a Purchaser&#146;s email address listed on such Purchaser&#146;s signature page to the applicable Note Purchase Agreement or as otherwise communicated from time to time to the Transaction Entities. In no
event will the Transaction Entities be liable if such <FONT STYLE="white-space:nowrap">e-mail</FONT> address is invalid or inoperable. Without limitation of the foregoing, in the event of an invalid or inoperable email address, the Transaction
Entity will make a reasonable good, faith attempt to contact the Purchaser by other means. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;9. PAYMENT AND PREPAYMENT OF THE NOTES.
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;9.1. Interest on the Notes; Maturity</B>. Interest on each Note shall be paid at the times and in the
amounts set forth therein. As provided therein, the entire unpaid principal balance of each Note shall be due and payable on the Maturity Date thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;9.2. Optional Prepayments</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) With respect to an Optional Prepayment Date that occurs prior to February&nbsp;15, 2027 the Issuer may, at its option, upon notice as
provided below, prepay at any time all, or from time to time any part, of the Notes, at 104.9375% of the principal amount so prepaid, plus accrued and unpaid interest thereon to, but excluding, the Optional Prepayment Date (subject to the right of
holders of record on the relevant Record Date to receive interest due on an Interest Payment Date that is on or prior to the Optional Prepayment Date), plus the Make-Whole Amount, determined for the Optional Prepayment Date with respect to such
principal amount. The term &#147;<B>Make-Whole Amount</B>&#148; means the amount (not less than zero) calculated by the Issuer equal to the present value at the Optional Prepayment Date of&nbsp;all required interest payments due through
February&nbsp;15, 2027 (assuming such date were an Interest Payment Date) on the Notes being prepaid (excluding accrued but unpaid interest thereon to, but excluding the Optional Prepayment Date), with such present value computed using a discount
rate equal to sum of the Treasury Rate plus 0.50%. &#147;<B>Treasury Rate</B>&#148; means, with respect to a particular prepayment date, the yield to maturity, as determined by the Issuer, of United States 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 Business Days prior to the date of the applicable optional prepayment notice pursuant to
Section&nbsp;9.3 (the &#147;<B>Make-Whole Amount Calculation Date</B>&#148;) (or, if such Statistical Release is no longer published or the applicable information is no longer available thereon, any publicly available source of similar market data))
most nearly equal to the period from the Make-Whole Amount Calculation Date to February&nbsp;15, 2027. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-17- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) With respect to an Optional Prepayment Date that occurs on or after February&nbsp;15,
2027, the Issuer may, at its option, upon notice as provided below, prepay at any time all, or from time to time any part, of the Notes, at the redemption prices (expressed as percentages of principal amount of the Notes to be redeemed) set forth
below plus accrued and unpaid interest thereon to, but excluding, the Optional Prepayment Date (subject to the right of holders of record on the relevant Record Date to receive interest due on an Interest Payment Date that is on or prior to the
Optional Prepayment Date). </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="87%"></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; "><B>Date</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Percentage</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">February&nbsp;15, 2027 to but excluding February&nbsp;15, 2028</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">104.9375</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">February&nbsp;15, 2028 and thereafter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">100.0000</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;9.3. Notice and Procedure for Prepayments. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Issuer will give each holder of Notes written notice of each optional prepayment under this Section&nbsp;9.2 not less than ten
(10)&nbsp;days and not more than sixty (60)&nbsp;days prior to the Optional Prepayment Date fixed for such prepayment, unless the Issuer and the Required Holders agree to another time period. Each such notice shall specify such Optional Prepayment
Date (which shall be a Business Day), the aggregate principal amount of the Notes to be prepaid on such Optional Prepayment Date, the interest to be paid on such Optional Prepayment Date with respect to such principal amount being prepaid, and any
conditions precedent to such prepayment as provided by Section&nbsp;9.3(b), and shall be accompanied by a certificate of a Senior Financial Officer as to the Make-Whole Amount (if any) due in connection with such prepayment. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Any prepayment may, at the Issuer&#146;s discretion, be subject to one or more conditions precedent, including, but not limited to,
completion of a corporate transaction, a financing transaction or other event. If any prepayment is so subject to the satisfaction of one or more conditions precedent, the notice of prepayment shall describe each such condition and, if applicable,
shall state that, in the Issuer&#146;s discretion, that the Optional Prepayment Date may be delayed until such time as any or all such conditions have been satisfied (or waived by the Issuer in its sole discretion) by the Optional Prepayment Date,
or by the Optional Prepayment Date as so delayed, and/or that such notice may be rescinded at any time by the Issuer if the Issuer determines in its sole discretion that any or all of such conditions will not be satisfied (or waived). For the
avoidance of doubt, if any Optional Prepayment Date shall be delayed as contemplated by this paragraph and the terms of the applicable notice of prepayment, such Optional Prepayment Date as so delayed may occur, subject to the applicable procedures
of DTC, at any time after the original Optional Prepayment Date set forth in the applicable notice of prepayment and after the satisfaction (or waiver) of any applicable conditions precedent, including, without limitation, on a date that is less
than ten (10)&nbsp;days after the originally specified Optional Prepayment Date or more than sixty (60)&nbsp;days after the applicable notice of prepayment. In addition, the Issuer may provide in such notice that payment of the prepayment price may
be made by another person. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;9.4. </B><B>Allocation</B><B> of Partial Prepayments</B>. In the case of each
partial prepayment of the Notes pursuant to Section&nbsp;9.2, the principal amount of the Notes to be prepaid shall be allocated among all of the Notes at the time outstanding in proportion, as nearly as practicable, to the respective unpaid
principal amounts thereof not theretofore called for prepayment. Partial redemptions will be processed through DTC in accordance with its rules and procedures, as a Pro Rata Pass-Through Distribution of Principal. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;9.5. </B><B>Maturity; Surrender, Etc</B><B>.</B> In the case of each prepayment of Notes pursuant to this
Section&nbsp;9, the principal amount of each Note to be prepaid shall mature and become due and payable on the date fixed for such prepayment, together with interest on such principal amount accrued to (but excluding) such date and the applicable
premium, if any. On or before 10:00 a.m., New York City time, on any prepayment date, interest payment date or the Maturity Date, the Issuer shall deposit with the Paying Agent money sufficient to pay the principal of, interest, if any, and premium,
if any, on the Notes to pay the applicable prepayment price, accrued interest, if any, and premium, if any, on all Notes that are to be prepaid on that date, receive an interest payment on that date, or be repaid on that date, as applicable. From
and after such date, unless the Issuer shall fail to pay such principal amount when so due and payable, together with the interest and the premium, if any, as aforesaid, interest on such principal amount shall cease to accrue. Any Note paid or
prepaid in full shall be surrendered to the Issuer and cancelled and shall not be reissued, and no Note shall be issued in lieu of any prepaid principal amount of any Note. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-18- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;9.6. Purchase of Notes</B>. On any Business Day, the
Transaction Entities or their Affiliates may purchase Notes on the open market and, in the case of Notes purchased by a direct or indirect parent of the Issuer, such Notes shall be contributed to the Issuer. Upon completion of the purchase of any
Notes by any Transaction Entity or any of their subsidiaries, the Issuer shall cancel any Notes previously authenticated and delivered (including the Initial Notes) and which the Transaction Entity or any of their subsidiaries may have acquired in
any manner whatsoever, and all Notes so delivered shall be promptly cancelled. Such cancelled Notes shall not be reissued and upon cancellation shall not be considered outstanding for purposes of calculating the covenants set forth in
Section&nbsp;11.3. Immediately upon the cancellation of any Notes pursuant to this Section&nbsp;9.6, the security interest of the holders of such Notes in the Collateral shall automatically be deemed to be released, and the holders of the Notes
shall execute and deliver to the Issuer any and all documentation reasonably requested and prepared by the Issuer at its expense to evidence such automatic release. No provision of this Agreement that relates to prepayment procedures, penalties,
fees, make-whole payments (including any Make-Whole Amount) or any other related matters shall be applicable to any Notes cancelled pursuant to and in accordance with this Section&nbsp;9.6. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;9.7. Payments Due on <FONT STYLE="white-space:nowrap">Non-Business</FONT> Days</B>. Anything in this Agreement
or the Notes to the contrary notwithstanding, (x)&nbsp;any payment of interest on any Note that is due on a date that is not a Business Day shall be made on the next succeeding Business Day without including the additional days elapsed in the
computation of the interest payable on such next succeeding Business Day; and (y)&nbsp;any payment of principal of, or premium, if any, on, any Note (including principal due on the Maturity Date of such Note) that is due on a date that is not a
Business Day shall be made on the next succeeding Business Day and shall not include the additional days elapsed in the computation of interest payable on such next succeeding Business Day. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-19- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;9.8. Mandatory Offer to Prepay in Event of Change of Control. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) If a Change of Control occurs, unless the Issuer has exercised its option to redeem all Notes in full pursuant to Section&nbsp;9.2 or has
satisfied and discharged such Notes, each Noteholder will have the right to require the Issuer to repurchase all or any part (equal to minimum principal amounts of $2,000 and in integral multiples of $1,000 in excess thereof) of that holder&#146;s
Notes pursuant to the offer set forth below (an &#147;<B>Offer to Purchase</B>&#148;). In an Offer to Purchase, the Issuer shall be required to offer payment in cash equal to 101% of the aggregate principal amount of the Notes, plus accrued and
unpaid interest, if any, to, but excluding, the date of purchase of such Notes (a &#147;<B>Change of Control Purchase Price</B>&#148;). Not later than fifteen (15)&nbsp;days following any Change of Control, the Issuer shall deliver or cause to be
delivered (or if the Notes are represented by one or more Global Notes, transmitted in accordance with DTC&#146;s standard procedures therefor) a notice to holders of the Notes describing the transaction that constitutes or may constitute the Change
of Control and offering to purchase such Notes on the date specified in the notice, which date shall be no earlier than thirty (30)&nbsp;days and no later than sixty (60) days after the date such notice is delivered or transmitted (an
&#147;<B>Expiration Date</B>&#148;) and a settlement date for purchase (a &#147;<B>Change of Control Purchase Date</B>&#148;) for such Offer to Purchase of not more than three Business Days after the Expiration Date. The notice shall also contain
instructions and materials necessary to enable holders to tender Notes pursuant to the offer. The notice shall, if delivered or transmitted prior to the date of consummation of the Change of Control, state that the offer to purchase is conditioned
on the Change of Control occurring on or prior to the Change of Control Purchase Date. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Such notice shall also state: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) that the Offer to Purchase is being made pursuant to this Section&nbsp;9.8 and that all Notes or portion of such Notes
validly tendered and not withdrawn will be accepted for payment; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) the Change of Control Purchase Price and the Change
of Control Purchase Date; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) that any Note not tendered will continue to accrue interest; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) that any Note accepted for payment pursuant to the Offer to Purchase shall cease to accrue interest after the Change of
Control Purchase Date unless the Issuer shall default in the payment of the Change of Control Purchase Price of the Notes and the only remaining right of the holder is to receive payment of the Change of Control Purchase Price upon surrender of the
Notes to the Paying Agent; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5) that holders electing to have a portion of a Note purchased pursuant to an Offer to
Purchase may only elect to have such Note purchased in a minimum principal amount of $2,000 and integral multiples of $1,000 in excess thereof; provided that the unrepurchased portion of a Note must be in a minimum principal amount of $2,000; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(6) that if a holder elects to have a Note purchased pursuant to the Offer to Purchase such holder will be required to
surrender such Note, with the form entitled &#147;Option of Holder to Elect Purchase&#148; on the reverse of such Note completed, or transfer by book-entry transfer, to the Paying Agent at the address specified in the notice prior to the close of
business on the third Business Day prior to the Change of Control Purchase Date, or, in the case of Global Notes, in accordance with the applicable procedures of DTC; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(7) that a holder will be entitled to withdraw its election if the Issuer receives, not later than the close of business on the
Expiration Date, a written communication, delivered via such means as are specified in such notice, that sets forth the name of such Issuer, the principal amount of Notes such holder delivered for purchase, and a statement that such holder is
withdrawing its election to have such Note purchased; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(8) that if Notes are purchased only in part by the Issuer, a
new Note will be issued in principal amount equal to the unpurchased portion of the Notes surrendered. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) On the Change of Control
Purchase Date, the Issuer shall, to the extent lawful: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) accept for payment all Notes or portions of such Notes properly
tendered pursuant to the Offer to Purchase; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) deposit with the Paying Agent an amount equal to the Change of Control
Purchase Price in respect of all Notes or portions of such Notes properly tendered; and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-20- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) deliver or cause to be delivered to the Paying Agent the Notes properly
accepted together with an Officer&#146;s Certificate stating the aggregate principal amount of such Notes or portions of such Notes being repurchased. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) On the Change of Control Purchase Date the Change of Control Purchase Price will become due and payable on each Note accepted for purchase
pursuant to the Offer to Purchase, and, unless the Issuer defaults in the payment of the Change of Control Purchase Price, interest on Notes purchased will cease to accrue on and after the Change of Control Purchase Date. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) The Issuer shall not be required to make an Offer to Purchase upon the occurrence of a Change of Control with respect to the Notes if
(i)&nbsp;a third party makes such an offer in the manner, at the times and otherwise in compliance with the requirements for an offer made by the Issuer and the third party purchases all Notes validly tendered and not withdrawn under its offer or
(ii)&nbsp;the Issuer as sent a notice of prepayment pursuant to Section&nbsp;9.3. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) The Issuer shall comply with the requirements of
Rule <FONT STYLE="white-space:nowrap">14e-1</FONT> under the Exchange Act and all other applicable laws and regulations thereunder to the extent such securities laws and regulations are applicable in connection with the repurchase of Notes as a
result of a Change of Control. To the extent that the provisions of any such securities laws or regulations conflict with the provisions under this Section&nbsp;9.8, the Issuer shall comply with such securities laws and regulations and shall not be
deemed to have breached its obligations under this Section&nbsp;9.8 or the Notes by virtue of any such conflict. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) Notwithstanding
anything to the contrary herein this Section&nbsp;9.8, an Offer to Purchase may be made in advance of a Change of Control, conditional upon the applicable Change of Control, if a definitive agreement is in place for the Change of Control at the time
of making of such Offer to Purchase. No Notes of $2,000 or less can be repurchased in part pursuant to this Section&nbsp;9.8. Notes in denominations larger than $2,000 may be repurchased in part but only in whole multiples of $1,000, unless all of
the Notes held by a holder are to be repurchased. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) As used in this Section&nbsp;9.8: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A &#147;<B>Change of Control</B>&#148; shall be deemed to occur if: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) any person or &#147;group&#148; (within the meaning of Rules <FONT STYLE="white-space:nowrap">13d-3</FONT> and <FONT
STYLE="white-space:nowrap">13d-5</FONT> under the Exchange Act as in effect on the Closing Date), other than any combination of the Permitted Holders, shall have acquired beneficial ownership of Equity Interests of the Guarantor representing 50% or
more of the aggregate ordinary voting power and aggregate equity value represented by the outstanding Equity Interests of Guarantor; <I>provided</I>, that no direct or indirect holding company of Guarantor that has no material assets or operations
other than owning the Equity Interests of the Issuer or any Parent Entity will itself be considered a &#147;person&#148; or &#147;group&#148; for purposes of this clause (a), and in such case the reference in this clause (a)&nbsp;to beneficial
ownership of 50% or more of the aggregate ordinary voting power and aggregate equity value represented by the outstanding Equity Interests of Guarantor shall be applied instead to the outstanding Equity Interests of the ultimate Parent Entity;
<I>provided</I>, <I>further</I>, that for the purpose of this clause (a), a &#147;person&#148; shall not be deemed to have beneficial ownership of securities subject to a securities purchase agreement, merger agreement or similar agreement until the
consummation of the transactions contemplated by such agreement; or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-21- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) the Guarantor shall cease to own directly 100% of the Equity Interests of
the Issuer. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;10. AFFIRMATIVE COVENANTS. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each of the Transaction Entities covenants that so long as any of the Notes are outstanding: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;10.1. Compliance with Laws</B>. Each of the Transaction Entities will comply with all laws, ordinances or
governmental rules or regulations to which it is subject (including the USA PATRIOT Act and the other laws and regulations that are referred to in Section&nbsp;6.9) and will obtain and maintain in effect all licenses, certificates, permits,
franchises and other governmental authorizations necessary to the ownership of its properties or to the conduct of its business, in each case to the extent necessary to ensure that <FONT STYLE="white-space:nowrap">non-compliance</FONT> with such
laws, ordinances or governmental rules or regulations or failures to obtain or maintain in effect such licenses, certificates, permits, franchises and other governmental authorizations would not, individually or in the aggregate, reasonably be
expected to have a Material Adverse Effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;10.2. Insurance</B>. Each of the Transaction Entities will, and
will cause each of its subsidiaries to, maintain, with financially sound and reputable insurers, insurance with respect to their respective properties and businesses against such casualties and contingencies, of such types, on such terms and in such
amounts (including deductibles, <FONT STYLE="white-space:nowrap">co-insurance</FONT> and self-insurance, if adequate reserves are maintained with respect thereto) as is customary in the case of entities of established reputations engaged in the same
or a similar business and similarly situated. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;10.3. Payment of Taxes and Claims</B>. Each of the
Transaction Entities will file all material tax returns required to be filed in any jurisdiction and pay and discharge all taxes shown to be due and payable on such returns and all other taxes, assessments, governmental charges, or levies imposed on
it or any of its properties, assets, income or franchises, to the extent the same have become due and payable and before they have become delinquent and all claims for which sums have become due and payable that have or might become a Lien on
properties or assets of the Transaction Entities; <I>provided</I> that the Transaction Entities need not pay any such tax, assessment, charge, levy or claim if (i)&nbsp;the amount, applicability or validity thereof is contested by the relevant
Transaction Entity on a timely basis in good faith and in appropriate proceedings, and the relevant Transaction Entity has established adequate reserves therefor in accordance with GAAP on the books of the relevant Transaction Entity or
(ii)&nbsp;the nonpayment of all such taxes, assessments, charges, levies and claims could not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect. Each of the Transaction Entities will, and will cause each
subsidiary to, pay and discharge prior to delinquency all of its material obligations and liabilities, including all claims which, if unpaid, would by law become a Lien upon its property (other than Permitted Liens); <I>provided</I> that neither of
the Transaction Entities nor any subsidiary need pay any such obligation or liability if the amount, applicability or validity thereof is contested by the relevant Transaction Entity or such subsidiary on a timely basis in good faith and in
appropriate proceedings, and the relevant Transaction Entity or such subsidiary has established adequate reserves therefor in accordance with GAAP on the books of the relevant Transaction Entity or such subsidiary. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;10.4. Corporate Existence, Etc</B><B>.</B> Subject to Section&nbsp;11.1, each of the Transaction Entities will
at all times preserve and keep its limited liability company or corporate, as applicable, existence in full force and effect. Subject to Section&nbsp;11.1, each of the Transaction Entities will at all times preserve and keep in full force and effect
the corporate existence of each of its subsidiaries (unless merged into a Transaction Entity or a Wholly-Owned Subsidiary) and all rights and franchises of the Transaction Entities and their subsidiaries unless, in the good faith judgment of the
Transaction Entities, the termination of or failure to preserve and keep in full force and effect such right or franchise would not, individually or in the aggregate, have a Material Adverse Effect. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-22- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;10.5. Rating Confirmation</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Issuer shall (at its own expense) use its commercially reasonable efforts to cause to be maintained at all times a Rating of the Notes
from at least one NRSRO that indicates that it will monitor such Rating on an ongoing basis and shall provide the holders of the Notes with an annual confirmation (on or before the anniversary date of the Closing Date in each year) of such Rating.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Notwithstanding the foregoing, the Issuer and the holders further agree that the failure to deliver a Rating in accordance with the
above shall not constitute an Event of Default (unless the Issuer shall also fail to pay the Adjusted Interest Rate in accordance with Section&nbsp;2.2). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The fees and expenses of any NRSRO and all other costs incurred in connection with obtaining, affirming or appealing a Rating shall be
borne exclusively by the Issuer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;10.6. Use of Proceeds</B>. The proceeds from the Initial Notes shall be
used by the Transaction Entities and/or one or more of their subsidiaries to originate new investments, and the remaining net proceeds, if any, for general corporate and other working capital purposes. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;10.7. Maintenance of Liens</B>. The Issuer will, at its own expense, take or cause to be taken, all action
reasonably required to maintain and preserve the perfection and first priority of the Lien (subject to Permitted Liens) on the Collateral granted under any Collateral Document (including without limitation filing all Uniform Commercial Code
continuation statements in an the appropriate jurisdictions and other matters included in the Collateral Requirements (as defined in the Security Agreement)); <I>provided</I> that notwithstanding anything in this Section&nbsp;10.7 or in any other
Note Document to the contrary, the Issuer shall not be required to take any action to perfect any security interest in any assets of the Issuer, a security interest in which cannot be perfected through the filing of a Uniform Commercial Code
financing statement, the delivery of certificates representing Equity Interests or the execution of an account control agreement; <I>provided, further</I> that the Issuer shall not be required to enter into any account control agreement for any
Excluded Account. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;10.8. Further Assurance</B>. Promptly upon reasonable request by the Required Holders,
the Issuer will (i)&nbsp;correct any material defect or error that may be discovered in the execution, acknowledgment, filing or recordation of any Collateral Document or other document or instrument relating to any Collateral, and (ii)&nbsp;do,
execute, acknowledge, deliver, record, <FONT STYLE="white-space:nowrap">re-record,</FONT> file, <FONT STYLE="white-space:nowrap">re-file,</FONT> register and <FONT STYLE="white-space:nowrap">re-register</FONT> any and all such further acts, deeds,
certificates, assurances and other instruments as the Required Holders may reasonably request from time to time in order to (x)&nbsp;carry out more effectively the purposes of the Collateral Documents and/or (y)&nbsp;perfect and maintain the
validity, effectiveness and priority of any of the Collateral Documents and any of the Liens (subject to Liens permitted hereunder) intended to be created thereunder, in each case, to the extent required pursuant to the Collateral Documents. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;10.9. Compliance Certificate</B><B><I>. </I></B>The Issuer shall deliver to the Collateral Agent, within 120
days after the end of each fiscal year of the Issuer (beginning with the fiscal year ending December&nbsp;31, 2024), an Officer&#146;s Certificate as to the signer&#146;s knowledge of the Transaction Entities&#146; compliance with all conditions and
covenants on their part contained in this Agreement and stating whether the signer knows of any Default or Event of Default. If such signer knows of such a Default or Event of Default, the Officer&#146;s Certificate shall describe in reasonable
detail the Default or Event of Default and the Issuer&#146;s efforts to remedy the same. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-23- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;11. NEGATIVE COVENANTS. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Transaction Entities covenant that so long as any of the Notes are outstanding: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;11.1. Fundamental Changes</B>. Neither Transaction Entity will enter into any transaction of merger or
consolidation or amalgamation, or liquidate, wind up or dissolve itself (or suffer any liquidation or dissolution). Neither Transaction Entity will convey, sell, lease, transfer or otherwise dispose of, in one transaction or a series of
transactions, all or substantially all of its assets, whether now owned or hereafter acquired. For the avoidance of doubt, dispositions of loans, portfolios of loans, sales of advances, mortgage-related securities or other assets, in each case in
the ordinary course of business and that do not constitute all or substantially all of the respective Transaction Entity&#146;s assets, are not restricted by this Section&nbsp;11.1. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding the foregoing provisions of this Section: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) the Issuer may merge or consolidate with any other Person, or convey, sell, lease, transfer, or otherwise dispose of all or substantially
all of its assets, so long as: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) (x)&nbsp;the Issuer is the continuing or surviving entity in such transaction or
(y)&nbsp;the successor formed by such consolidation or the survivor of such merger or the Person that acquires by conveyance, transfer or lease all or substantially all of the assets of the Issuer shall be a solvent corporation or limited liability
company organized and existing under the laws of the United States or any state thereof (including the District of Columbia), and, if the Issuer is not such corporation or limited liability company, (A)&nbsp;such corporation or limited liability
company shall have executed and delivered to each holder of any Notes its assumption of the due and punctual performance and observance of each covenant and condition of this Agreement and the Notes applicable to the Issuer, as appropriate, and
(B)&nbsp;such corporation or limited liability company shall have caused to be delivered to each holder of any Notes an opinion of nationally recognized independent counsel, or other independent counsel reasonably satisfactory to the Required
Holders, to the effect that all agreements or instruments effecting such assumption are enforceable in accordance with their terms and comply with the terms hereof; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) immediately before and immediately after giving effect to such transaction, no Default or Event of Default shall have
occurred and be continuing and the Issuer shall have received a confirmation from the NRSRO then rating the Notes that the then-current rating(s) on the Notes will not be reduced or withdrawn as a result of such transaction; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) on a <I>pro forma</I> basis after giving effect to such transaction, the Issuer is in compliance with Section&nbsp;11.3
of this Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) the Guarantor may merge or consolidate with any other Person, or convey, sell, lease, transfer, or otherwise
dispose of all or substantially all of its assets, so long as: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) (x)&nbsp;the Guarantor is the continuing or surviving
entity in such transaction or (y)&nbsp;the successor formed by such consolidation or the survivor of such merger or the Person that acquires by conveyance, transfer or lease all or substantially all of the assets of the Issuer shall be a solvent
corporation or limited liability company organized and existing under the laws of the United States or any state thereof (including the District of Columbia), and, if the Guarantor is not such corporation or limited liability company, (A)&nbsp;such
corporation or limited liability company shall have executed and delivered to each holder of any Notes its assumption of the due and punctual performance and observance of each covenant and condition of this Agreement and the Guarantee applicable to
the Guarantor, as appropriate, and (B)&nbsp;such corporation or limited liability company shall have caused to be delivered to each holder of any Notes an opinion of nationally recognized independent counsel, or other independent counsel reasonably
satisfactory to the Required Holders, to the effect that all agreements or instruments effecting such assumption are enforceable in accordance with their terms and comply with the terms hereof; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-24- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) immediately before and immediately after giving effect to such
transaction, no Default or Event of Default shall have occurred and be continuing and the Issuer shall have received a confirmation from the NRSRO then rating the Notes that the then-current rating(s) on the Notes will not be reduced or withdrawn as
a result of such transaction; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) on a <I>pro forma</I> basis after giving effect to such transaction, the Issuer is
in compliance with Section&nbsp;11.3 of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;11.2. Liens</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Transaction Entities shall not incur, assume, create or permit to exist any Lien on any of their properties or assets of whatsoever
nature (whether now owned or hereafter acquired), except the Permitted Liens. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) In furtherance of the foregoing, in the event that one
or more Liens (and documents relating thereto) are to be established or maintained to effect equal and ratable security arrangements (x)&nbsp;in respect of the Notes with regards to any issuance of <I>pari passu</I> Indebtedness, including Pari
Passu Notes, to be incurred by the Issuer or (y)&nbsp;in respect of the Guarantee with regards to any issuance of <I>pari passu </I>Indebtedness, including Pari Passu Notes, to be incurred by the Guarantor, in each case in compliance with the terms
of the Note Purchase Agreements, the Transaction Entities may, and without the consent of any holders of the Notes, (i)&nbsp;enter into one or more intercreditor agreements, pledge agreements, collateral and security agreements or other arrangements
intended to effect the shared security arrangements contemplated by this Section&nbsp;11.2(b) among holders of such Indebtedness (including amending the Collateral Agreement and any other Collateral Documents to add as secured parties thereunder the
holders of any such Pari Passu Notes and any collateral agent for such holders and to provide that the term &#147;Required Holders&#148; for purpose of the Collateral Documents shall mean the holders of more than 50% in aggregate principal amount of
the Notes and all such Pari Passu Notes then-outstanding (exclusive of Notes or Pari Passu Notes then owned by the Transaction Entities or any of their Affiliates) as of any date of determination) and (ii)&nbsp;complete or facilitate the completion
by itself or other parties of filings, registrations or other actions necessary to effect or perfect the relevant Liens or related arrangements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;11.3. Financial Covenants</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>Minimum Net Asset Value</I>. The Issuer will have a minimum Net Asset Value as of the end of each fiscal quarter, equal to or greater
than $275&nbsp;million <I>plus</I> the greater of (i) $0 and (ii) 65% of Net Equity Capital Activity <I>plus</I> the greater of (i) $0 and (ii) 65% of Retained Earnings. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-25- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Net <FONT STYLE="white-space:nowrap">Non-Securitization</FONT> Debt to Equity
Ratio</I>. The Issuer will not permit the Net <FONT STYLE="white-space:nowrap">Non-Securitization</FONT> Debt to Equity Ratio as of the end of each fiscal quarter, calculated on a pro forma basis for the incurrence of Indebtedness during the
applicable Testing Period, to be greater than 3.00 to 1.00. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Collateral Value Ratio. </I>The Issuer will have a ratio of
(x)&nbsp;Collateral Value as of the end of each fiscal quarter, to (y)&nbsp;the aggregate principal amount of Notes and Pari Passu Notes outstanding as of such date, equal to or greater than 1.25 to 1.00. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <I>Total Collateral Value.</I> The Issuer will have a ratio of (x)&nbsp;Total Collateral Value, as of the end of each fiscal quarter, to
(y)&nbsp;the aggregate principal amount of the Notes and Pari Passu Notes outstanding as of such date, equal to or greater than 1.50 to 1.00. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <I><FONT STYLE="white-space:nowrap">Non-Securitization</FONT> Senior Debt Service Coverage Ratio</I>. The Issuer will have a <FONT
STYLE="white-space:nowrap">Non-Securitization</FONT> Senior Debt Service Coverage Ratio as of the end of each fiscal quarter, calculated on a pro forma basis for the incurrence of Indebtedness during the applicable Testing Period, equal to or
greater than 1.50 to 1.00. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;11.4. </B><B>Limitation on </B><B>Restricted Payments</B>. Without the prior
written consent of the Required Holders, the Issuer will not (i)&nbsp;declare or pay any dividend or make any payment or distribution on account of its Equity Interests that may be issued by the Issuer from time to time, or (ii)&nbsp;purchase,
redeem, defease or otherwise acquire or retire for value any Equity Interests of the Transaction Entities that may be outstanding from time to time (each, a &#147;<B>Restricted Payment</B>&#148;), other than Permitted Restricted Payments, unless, on
a <I>pro forma</I> basis after giving effect to any such Restricted Payment, the Issuer is in compliance with Section&nbsp;10, Section&nbsp;11.1, Section&nbsp;11.2, Section&nbsp;11.3 and in all material respects with Section&nbsp;11.5 and
Section&nbsp;11.6 of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;11.5. </B><B>Economic Sanctions, Etc</B><B>.</B> The Transaction
Entities will not, and will not permit any Subsidiary to (a)&nbsp;become (including by virtue of being owned or controlled by a Blocked Person), own or control a Blocked Person or (b)&nbsp;directly or indirectly have any investment in or engage in
any dealing or transaction (including any investment, dealing or transaction involving the proceeds of the Notes) with any Person if such investment, dealing or transaction is prohibited by or subject to sanctions under any U.S. Economic Sanctions
Laws. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;11.6. Use of Proceeds; Margin Regulations</B>. The Transaction Entities will not, and will not permit
any Subsidiary to: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Use the proceeds of any Note (i)&nbsp;for any purpose other than as set forth in Section&nbsp;6.19, (ii) in payment
to any Person in violation of any Anti-Corruption Laws, (iii)&nbsp;for the purpose of funding, financing or facilitating any activities, business or transaction of or with any Blocked Person, or in any country that is subject to U.S. Economic
Sanctions, or (iv)&nbsp;in any manner that would result in the violation of any Anti-Money Laundering Laws or Anti-Corruption Laws applicable to the Transaction Entities. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Engage, principally or as one of its important activities, in the business of purchasing or carrying margin stock, or extending credit for
the purpose of buying or carrying margin stock, and no part of the proceeds from the sale of the Notes hereunder will be used, directly or indirectly, for any purpose that violates Regulation U. As used in this Section the terms &#147;margin
stock&#148; and &#147;purpose of buying or carrying&#148; shall have the meaning assigned to them in said Regulation U. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-26- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;12. EVENTS OF DEFAULT. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">An &#147;<B>Event of Default</B>&#148; shall exist if any of the following conditions or events shall occur and be continuing: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) the Issuer defaults in the payment of any principal or Make-Whole Amount, if any, on any Note when the same becomes due and payable,
whether at maturity or at a date fixed for prepayment or by declaration or otherwise; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) the Issuer defaults in the payment of any
interest on any Note when the same becomes due and payable and such default continues for five (5)&nbsp;Business Days; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) a
Transaction Entity defaults in the performance of or compliance with any term contained herein (other than those referred to in Sections 12(a) and (b)) and such default is not remedied within 30 days after the earlier of (i)&nbsp;a Responsible
Officer obtaining actual knowledge of such default and (ii)&nbsp;the Issuer receiving written notice of such default from any holder of a Note (any such written notice to be identified as a &#147;notice of default&#148; and to refer specifically to
this Section&nbsp;12(c)); or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) any representation or warranty made in writing by or on behalf of a Transaction Entity or by any officer
of a Transaction Entity in this Agreement or any writing furnished in connection with the transactions contemplated hereby proves to have been false or incorrect in any material respect on the date as of which made; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) a Transaction Entity or any Subsidiary, other than any Securitization Issuer Entity or Warehouse Facility Entity, (i)&nbsp;is generally not
paying, or admits in writing its inability to pay, its debts as they become due, (ii)&nbsp;files, or consents by answer or otherwise to the filing against it of, a petition for relief or reorganization or arrangement or any other petition in
bankruptcy, for liquidation or to take advantage of any bankruptcy, insolvency, reorganization, moratorium or other similar law of any jurisdiction, and such filing, petition or resulting proceeding, if not consented to by the applicable debtor,
continues undismissed or unstayed for sixty (60)&nbsp;calendar days (iii)&nbsp;makes an assignment for the benefit of its creditors, (iv)&nbsp;consents to the appointment of a custodian, receiver, trustee or other officer with similar powers with
respect to it or with respect to any substantial part of its property, or (v)&nbsp;is adjudicated as insolvent or to be liquidated; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f)
a court or other Governmental Authority of competent jurisdiction enters an order appointing, without consent by a Transaction Entity or a Subsidiary, a custodian, receiver, trustee or other officer with similar powers with respect to it or with
respect to any substantial part of its property, or constituting an order for relief or approving a petition for relief or reorganization or any other petition in bankruptcy or for liquidation or to take advantage of any bankruptcy or insolvency law
of any jurisdiction, or ordering the dissolution, <FONT STYLE="white-space:nowrap">winding-up</FONT> or liquidation of a Transaction Entity, or any such petition shall be filed against a Transaction Entity, and such petition or appointment shall not
be dismissed or stayed within 60 days; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) a Transaction Entity defaults under any instrument of Indebtedness with an aggregate
principal amount in excess of $10,000,000 if such default results in the acceleration of such Indebtedness prior to its stated maturity, or fails to make any payment beyond the applicable grace period (including after giving effect to any extension
thereof or waiver with respect to the failure to make such payment) with respect thereto, if any, (whether by scheduled maturity, required prepayment, acceleration, demand, or otherwise) in respect of any Indebtedness with an aggregate principal
amount in excess of $10,000,000 (other than Indebtedness hereunder or any Permitted Securitization Indebtedness); or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-27- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) one or more final judgments or orders for the payment of money aggregating, to the extent
not covered by insurance as to which the insurer has been notified of such judgment or order and has not denied coverage, in excess of the Judgment Default Threshold (or its equivalent in the relevant currency of payment) are rendered against a
Transaction Entity or a subsidiary and which judgments are not, within 60 days after entry thereof, bonded, discharged or stayed pending appeal, or are not discharged within 60 days after the expiration of such stay; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) a Transaction Entity or any of its Affiliates shall contest in any manner the validity, binding nature or enforceability of any Note
Document or any court or Governmental Authority declares any Note Document to be invalid or unenforceable, in each case except with respect to Collateral, which is addressed by clause (j); or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) with respect to any Collateral, individually or in the aggregate, having a fair market value in excess of $10,000,000, any of the
Collateral Documents ceases to be in full force and effect, or any of the Collateral Documents ceases to give the Noteholders the Liens purported to be created thereby, or any of the Collateral Documents is declared null and void (in each case other
than in accordance with the terms of this Agreement or the Collateral Documents); <I>provided</I> that if a failure of the sort described in this clause (j)&nbsp;is susceptible of cure (including with respect to any loss of Lien priority on material
portions of the Collateral), no Event of Default shall arise under this clause (j)&nbsp;with respect thereto until the earlier of (x)&nbsp;Issuer&#146;s knowledge of the failure described in clause (j)&nbsp;and (y) notice from the Collateral Agent
or the holders of at least 25% in principal amount of the then outstanding Notes. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;13. REMEDIES ON DEFAULT, ETC. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;13.1. Acceleration</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) If an Event of Default described in Section&nbsp;12(e) or (f) (other than an Event of Default described in clause (i)&nbsp;of
Section&nbsp;12(e) has occurred, all the Notes then outstanding shall automatically become immediately due and payable. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) If any other
Event of Default has occurred and is continuing, the holders of at least 25% in aggregate principal amount of the then-outstanding Notes may at any time at its or their option, by notice or notices to the Issuer, declare all the Notes then
outstanding to be immediately due and payable. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) If any Event of Default described in Section&nbsp;12(a) or (b)&nbsp;has occurred and is
continuing, any holder or holders of Notes at the time outstanding affected by such Event of Default may at any time, at its or their option, by notice or notices to the Issuer, declare all the Notes held by it or them to be immediately due and
payable. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon any Notes becoming due and payable under this Section&nbsp;13.1, whether automatically or by declaration, such Notes will
forthwith mature and the entire unpaid principal amount of such Notes, plus all accrued and unpaid interest thereon (including interest accrued thereon at the Default Rate) shall be due and payable without presentment, demand, protest or further
notice, all of which are hereby waived. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;13.2. Other Remedies</B>. If any Event of Default has occurred and
is continuing, and the Notes have been declared immediately due and payable under Section&nbsp;13.1, holders of at least 25% in aggregate principal amount of the then-outstanding Notes (or, in the case of any Event of Default described in
Section&nbsp;12(a) or (b), the holder of any Note at the time outstanding) may proceed to protect and enforce the rights of the holders (or, in the case of any Event of Default described in Section&nbsp;12(a) or (b), such holder) by an action at
law, suit in equity or other appropriate proceeding, whether for the specific performance of any agreement contained herein or in any Note, or for an injunction against a violation of any of the terms hereof or thereof, or in aid of the exercise of
any power granted hereby or thereby or by law or otherwise. In addition, if the Notes have been declared immediately due and payable under Section&nbsp;13.1, the Required Holders may instruct the Collateral Agent to exercise any remedies of a
secured party under the UCC and may take any other appropriate action to protect or enforce the rights and remedies of the holders. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-28- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;13.3. Rescission</B>. At any time after any Notes have been
declared due and payable pursuant to Section&nbsp;13.1(b) or (c), the Required Holders, by written notice to the Issuer, may rescind and annul any such declaration and its consequences if (a)&nbsp;the Issuer has paid all overdue interest on the
Notes, all principal of any Notes that are due and payable and are unpaid other than by reason of such declaration, and all interest on such overdue principal and (to the extent permitted by applicable law) any overdue interest in respect of the
Notes, at the Default Rate, (b)&nbsp;neither the Issuer nor any other Person shall have paid any amounts which have become due solely by reason of such declaration, (c)&nbsp;all Events of Default and Defaults, other than <FONT
STYLE="white-space:nowrap">non-payment</FONT> of amounts that have become due solely by reason of such declaration, have been cured or have been waived pursuant to Section&nbsp;18, and (d)&nbsp;no judgment or decree has been entered for the payment
of any monies due pursuant hereto or to the Notes. No rescission and annulment under this Section&nbsp;13.3 will extend to or affect any subsequent Event of Default or Default or impair any right consequent thereon. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;13.4. No Waivers or Election of Remedies, Expenses, Etc</B><B>.</B> No course of dealing and no delay on the
part of any holder of any Note in exercising any right, power or remedy shall operate as a waiver thereof or otherwise prejudice such holder&#146;s rights, powers or remedies. No right, power or remedy conferred by this Agreement or any Note upon
any holder thereof shall be exclusive of any other right, power or remedy referred to herein or therein or now or hereafter available at law, in equity, by statute or otherwise. Without limiting the obligations of the Issuer under Section&nbsp;16,
the Issuer will pay to the holder of each Note on demand such further amount as shall be sufficient to cover all costs and expenses of such holder incurred in any enforcement or collection under this Section&nbsp;13, including reasonable
attorneys&#146; fees, expenses and disbursements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;13.5. Unconditional</B><B> Rights of Noteholders To
Receive Principal and Interest</B>. Notwithstanding any other provisions in this Agreement, any holder of Notes shall have the right, which is absolute and unconditional, (a)&nbsp;to receive payment of the principal of, and interest on, such Note on
or after the respective due dates thereof expressed in such Note or in this Agreement and (b)&nbsp;to institute suit for the enforcement of any such payment, and such right shall not be impaired without the consent of such holder of Notes. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;13.6. Rights and Remedies Cumulative</B>. No right or remedy herein conferred by this Agreement, any Collateral
Document or any Note upon or reserved to the Collateral Agent or to the holders of Notes is intended to be exclusive of any other right or remedy, and every right and remedy shall, to the extent permitted by law, be cumulative and in addition to
every other right and remedy given hereunder or now or hereafter existing at law or in equity or otherwise. The assertion or employment of any right or remedy hereunder, or otherwise, shall not prevent the concurrent assertion or employment of any
other appropriate right or remedy. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;13.7. Waiver of Stay or Extension Laws</B>. The Issuer covenants (to the
extent that it may lawfully do so) that it will not at any time insist upon, or plead or in any manner whatsoever, claim or take the benefit or advantage of, any stay or extension law wherever enacted, now or at any time hereafter in force, that may
affect the covenants or the performance of this Agreement; and the Issuer (to the extent that it may lawfully do so) hereby expressly waives all benefit or advantage of any such law, and covenants that it will not hinder, delay or impede the
execution of any power herein granted to the Collateral Agent, but will suffer and permit the execution of every such power as though no such law had been enacted. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-29- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;13.8. Issuer&#146;s Right to Cure. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Notwithstanding anything to the contrary contained in Section&nbsp;12 or this Section&nbsp;13, if the Issuer determines that an Event of
Default under one or more of the covenants set forth in Section&nbsp;11.3 has occurred or may occur with respect to the measurement of one or more of the covenants set forth in Section&nbsp;11.3 with respect to any fiscal quarter, during the period
commencing after the end of such fiscal quarter and ending ten (10)&nbsp;Business Days after the date on which financial statements are required to be delivered hereunder with respect to any such fiscal quarter, then following notice to the
Collateral Agent and the Purchasers, the Issuer may obtain from one or more other third parties a cash contribution to the common equity of the Issuer (a &#147;<B>Designated Cash Contribution</B>&#148;, it being understood that such term shall
include any capital contribution or other transaction referred to in clause (i)&nbsp;below), and such covenant(s) shall be recalculated such that Net Equity Capital Activity, <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Income, Stockholders&#146;
Equity and (solely to the extent the Designated Cash Contribution constitutes Collateral) Collateral Value, as the case may be, shall be increased as of the end of such applicable fiscal quarter solely for the purpose of measuring the capacity under
the financial covenants in Section&nbsp;11.3 and not for any other purpose under this Agreement (it being understood, for the avoidance of doubt, that (x)&nbsp;in the case of a deemed increase in <FONT STYLE="white-space:nowrap">Pre-Tax</FONT>
Income as of the end of the applicable fiscal quarter, such deemed increase shall also be included in any calculation of <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Income for the purpose of Section&nbsp;11.3 for any subsequent period that
includes such fiscal quarter, and (y)&nbsp;such Designated Cash Contribution shall, for periods after the end of the applicable fiscal quarter be accounted for in accordance with GAAP), by an amount equal to the net cash proceeds of such Designated
Cash Contribution; <I>provided</I>, that such net cash proceeds are actually received by the Issuer as cash common equity (including through capital contribution of such net cash proceeds to the Issuer) during the period commencing after the
beginning of the applicable fiscal quarter and ending ten (10)&nbsp;Business Days after the date on which financial statements are required to be delivered with respect to any such fiscal quarter hereunder. The parties hereby acknowledge that this
Section&nbsp;13.8 may not be relied on for purposes of calculating capacity or utilization under any financial ratios other than as applicable to Section&nbsp;11.3 and shall not result in any adjustment to any baskets or other amounts other than as
set forth in this Section&nbsp;13.8. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) In each period of four consecutive fiscal quarters, no more than one (1)&nbsp;Designated Cash
Contribution may be made, and no more than three (3)&nbsp;Designated Cash Contributions may be made in the aggregate while any Notes are outstanding. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;14. REGISTRATION; EXCHANGE; SUBSTITUTION OF NOTES. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;14.1. Form of Notes</B>. The Notes issued to Purchasers who are Qualified Institutional Buyers initially will be
represented by one or more global certificates, each such certificate hereinafter called a &#147;<B>Global Note</B>&#148;, and the Notes issued to Purchasers who are not Qualified Institutional Buyers will be represented by Certificated Notes. All
Global Notes shall be registered in the name of The Depository Trust Company (&#147;<B>DTC</B>&#148;), as depository, or its nominee or a successor depository or nominee. All Global Notes shall be in substantially the form set out in Schedule 1 and
may have such appropriate insertions, omissions, variations or substitutions as are required or permitted by, and not inconsistent with, this Agreement, and may also have such letters, numbers or other marks of identification and such legends or
endorsements placed thereon as may be required to comply with any applicable law or with any applicable rules or regulations made pursuant thereto or with the rules or regulations of any securities exchange or governmental agency or as may,
consistently herewith, be determined by a Responsible Officer of the Issuer executing such Global Notes, as evidenced by their execution thereof. Beneficial interests in the Global Notes will be shown on, and transfers thereof will be effected only
through, records maintained by DTC or its nominee and its participants. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-30- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;14.2. Certifications of Authorized Representatives of the
Issuer</B>. Any instruction given by the Issuer to the Paying Agent under this Agreement shall be in the form of an Officer&#146;s Certificate. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;14.3. Authentication and Delivery</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) All Notes shall be issued and delivered in accordance with the terms of the Note Documents, including this Agreement, the Global Notes and
the Collateral Documents and the Letter of Representations from the Issuer to DTC. All instructions regarding the completion and delivery of Notes shall be given in writing by a Responsible Officer by electronic transmission or other means
acceptable to the Paying Agent. Upon receipt of such written instructions as described in the preceding sentence, the Paying Agent shall: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) manually authenticate such Global Note or Global Notes by any one of the officers of the Paying Agent duly authorized and
designated by it for such purpose; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) deliver such Global Note or Global Notes to DTC or its nominees pursuant to
DTC&#146;s instructions. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Each Global Note shall bear an original issue date which shall remain the same for all Global Notes
subsequently issued upon transfer, exchange or substitution of such original Global Note regardless of the date of issuance of any such subsequently issued Global Note. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) All instructions given by the Issuer pursuant to this Section&nbsp;14.3 must be received by the Paying Agent by 11 a.m., New York City
time, on the Business Day preceding the original issue date for the Global Notes. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) The Paying Agent shall have no responsibility to the
Issuer to determine whether a signature of a Responsible Officer is genuine. The Paying Agent shall not incur any liability to the Issuer in acting or refraining from taking any action hereunder upon instructions contemplated hereby which the
recipient thereof believed in good faith to have been given by a Responsible Officer. In the event a discrepancy exists between the instructions as originally received by the Paying Agent and any subsequent instruction relating to the same subject
matter, the original instructions will be deemed controlling if action has already been taken in reliance thereon. The Paying Agent, as the case may be, agrees to give notice to the Issuer of such discrepancy reasonably promptly upon the discovery
by the Paying Agent of such discrepancy. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) Each instruction given to the Paying Agent in accordance with this Section&nbsp;14.3 shall
constitute a representation and warranty to the Paying Agent, as the case may be, by the Issuer that (i)&nbsp;the issuance and delivery of the Global Notes to which the instruction relates have been duly and validly authorized by the Issuer,
(ii)&nbsp;such Global Notes, when completed, authenticated and delivered pursuant hereto, will constitute valid and legally binding obligations of the Issuer and (iii)&nbsp;the Paying Agent&#146;s appointment to act for the Issuer hereunder has been
duly authorized by all necessary corporate action of the Issuer. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-31- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;14.4. Denominations; Issuance of Certificated </B><B>Notes</B>.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Except as provided in paragraph (b)&nbsp;of this Section&nbsp;14.4, the Notes shall be issuable only in denominations of $2,000 and
any amount in excess thereof which is an integral multiple of $1,000. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Notwithstanding anything to the contrary in the Note Documents,
any Global Note shall be exchangeable for Notes in definitive form registered in the name of a holder other than DTC or its nominee (&#147;<B>Certificated Notes</B>&#148;) only in accordance with this Section&nbsp;14.4 and Section&nbsp;14.5 and only
if (i)&nbsp;DTC notifies the Issuer in writing that it is unwilling or unable to act as depository for the Notes or if DTC ceases to be a clearing agency registered pursuant to Section&nbsp;17A of the Exchange Act, and a successor depository is not
appointed by the Issuer within 90 days after the effective date of DTC&#146;s ceasing to act as depository for the Notes, (ii)&nbsp;the Issuer, at its option, notifies the Paying Agent in writing that it elects to cause the issuance of Notes in
definitive form or (iii)&nbsp;any event shall have happened and be continuing which, after notice or lapse of time, or both, would constitute an Event of Default as defined in the Notes. Any Global Note that is exchangeable pursuant to the preceding
sentence shall be exchangeable for Notes registered in such names as the holder of the Global Note shall direct in writing in an aggregate principal amount equal to the principal amount of the Global Note with like tenor and terms. Any such
Certificated Notes will be issued in fully registered form to the persons identified by DTC as the beneficial owners thereof, without coupons, in denominations of $100,000 or any amount in excess thereof which is an integral multiple of $1,000. Such
certificated Notes may not subsequently be exchanged by a holder for Notes in denominations of less than $100,000. If Notes are issued in definitive form hereunder, payment and other terms related to such Notes will be as set forth on the face
thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;14.5. Transfer and Exchange of Notes</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Paying Agent shall, so long as any of the Notes remain outstanding, maintain records in accordance with its customary practices,
including all forms of transfer for the Notes and shall keep at its Corporate Trust Office or the office of its affiliate in New York City, a register (the &#147;<B>Note Register</B>&#148;) in such form as the Paying Agent may determine, in which,
subject to such reasonable requirements as it may prescribe, it shall provide for the registration of the Notes, and keep record of the name of the holder of each such Note, the principal amount, maturity date, interest rate and other terms thereof,
the date of original issue and all subsequent transfers and consolidations or exchanges. As of the Closing Date, the Corporate Trust Office of the Paying Agent is: UMB Bank, N.A., 5555 San Felipe, Suite 870, Houston, Texas 77056; Attn: Shazia
Flores, Vice President; Office: <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">713-300-0586;</FONT></FONT> Email: shazia.flores@umb.com. The Paying Agent shall, as soon as practicable, provide the Collateral Agent with a copy of
the most recent Note Register upon a request therefor from the Collateral Agent. For all purposes of this Agreement and the Notes, the Collateral Agent shall be entitled to conclusively rely on the Note Register provided to it by the Paying Agent.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Any holder of a Note or a Purchaser (an &#147;<B>Assigning Party</B>&#148;) may assign to one or more assignees (other than a
Competitor) (an &#147;<B>Assignee</B>&#148;) all or a portion of its rights and obligations under its Note and/or under this Agreement, with the prior written consent of the Issuer (such consent not to be unreasonably withheld or delayed) so long as
no Event of Default under Section&nbsp;12(a) or (b)&nbsp;exists and is continuing. In connection with any such assignment, each Assignee shall be deemed to have represented to the Issuer that it is not a Competitor and to have made to the
Transaction Entities the representations set forth in Section&nbsp;7. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-32- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Upon receipt by the Issuer of a Note submitted for transfer or exchange in accordance
with the Note Documents, the Issuer will execute, and the Paying Agent will authenticate, one or more new Notes of like tenor and terms in an aggregate principal amount equal to the principal amount of the Note presented for transfer or exchange in
accordance with the transfer or exchange instructions accompanying same and in accordance with the Note Documents and, if applicable, upon the execution of the then standard form of the Paying Agent&#146;s agreement for certificated securities. The
Paying Agent shall date its signature on the date it signs such Notes. No service charge (other than any cost of delivery) shall be imposed by the Paying Agent for any exchange or registration of transfer of a Note but the Issuer or Paying Agent may
require the payment of a sum sufficient to cover any stamp or other tax or governmental charge that may be imposed in connection therewith or presentation of evidence that such tax or charge has been paid. Notwithstanding anything to the contrary
set forth herein, neither the Company nor the Paying Agent shall be required (i)&nbsp;to issue, register the transfer of, or exchange Notes during the period beginning at the opening of business fifteen days immediately preceding the sending of a
notice of redemption of Notes and ending at the close of business on the day such notice is sent, (ii)&nbsp;to register the transfer of or exchange Notes selected, called or being called for redemption or prepayment or subject to repurchase pursuant
to an Offer to Purchase or the portion being redeemed, prepaid or repurchased of any such Notes of (iii)register the transfer or exchange of Notes on or after the fifteenth day preceding the Maturity Date. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Notwithstanding anything in this Agreement to the contrary, unless Notes are issued in definitive form under Section&nbsp;14.4, beneficial
ownership of the Notes will only be shown on, and transfers thereof will be effected only through, records maintained by DTC, its nominees or its participants. Neither the Paying Agent nor the Issuer shall have any responsibility or liability for
any aspect of the records relating to or payments made on account of beneficial ownership interests in a Global Note or for maintaining, supervising or reviewing any records relating to such beneficial ownership interests, and they shall be fully
protected in acting or refraining from acting on any such information provided by DTC with respect thereto. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) Neither the Paying Agent
nor the Issuer shall have any obligation or duty to monitor, determine or inquire as to compliance with any restrictions on transfer imposed under the Note Documents, including this Agreement, or under applicable law with respect to any transfer of
any interest in any Note (including any transfers between or among DTC participants, members or beneficial owners in any Global Note) other than to require delivery of such certificates and other documentation or evidence as are expressly required
by, and to do so if and when expressly required by, the terms of the Note Purchase Agreements, including this Agreement, and to examine the same to determine substantial compliance as to form with the express requirements hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;14.6. Persons Deemed Owners</B>. Prior to due presentment of a Note for registration or transfer, the Issuer,
the Collateral Agent, the Paying Agent and any agent of the Issuer may treat the person in whose name such Note is registered as the owner of such Note for the purpose of receiving payments of principal and interest, if any, and for all other
purposes whatsoever, whether or not such Note be overdue, and neither the Issuer nor the Collateral Agent and Paying Agent shall be affected by notice to the contrary. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-33- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Neither the Paying Agent, the Collateral Agent nor the Issuer shall have any responsibility
or obligation to any beneficial owner in a Global Note, DTC participant or other Person with respect to the accuracy of the records of DTC or its nominee or of any DTC participant, with respect to any ownership interest in the Notes or with respect
to the delivery to any DTC participant, beneficial owner or other Person (other than DTC or any successor depositary) of any notice or the payment of any amount, under or with respect to such Notes. All notices and communications to be given to the
Purchasers and all payments to be made to Purchasers under the Notes and the Note Documents, including this Agreement, shall be given or made only to or upon the order of the registered Purchasers (which, notwithstanding the definition of
&#147;Purchaser,&#148; shall be DTC or its nominee in the case of the Global Notes). The rights of beneficial owners in the Global Note shall be exercised only through DTC or such successor depositary subject to the applicable procedures. The Paying
Agent and the Collateral Agent shall be entitled to rely and shall be fully protected in relying upon information furnished by DTC with respect to its members, participants and any beneficial owners. The Paying Agent and the Collateral Agent shall
be entitled to deal with DTC, and any nominee thereof, that is the registered holder of any Global Note for all purposes of this Agreement relating to such Global Note (including the payment of principal, premium, if any, and interest and additional
amounts, if any, and the giving of instructions or directions by or to the owner or holder of a beneficial ownership interest in such Global Note) as the sole holder of such Global Note and shall have no obligations to the beneficial owners thereof.
Neither the Paying Agent, the Collateral Agent nor the Issuer shall have any responsibility or liability for any acts or omissions of DTC with respect to such Global Note, for the records of any such depositary, including records in respect of
beneficial ownership interests in respect of any such Global Note, for any transactions between DTC and any DTC participant or between or among DTC, any such DTC participant and/or any holder or owner of a beneficial interest in such Global Note, or
for any transfers of beneficial interests in any such Global Note. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding the foregoing, with respect to any Global Note,
nothing herein shall prevent the Issuer, the Paying Agent, the Collateral Agent or any agent of the Issuer, the Paying Agent or the Collateral Agent giving effect to any written certification, proxy or other authorization furnished by DTC (or its
nominee), as a Purchaser, with respect to such Global Note or shall impair, as between DTC and owners of beneficial interests in such Global Note, the operation of customary practices governing the exercise of the rights of DTC (or its nominee) as
Purchaser of such Global Note. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;14.7. Cancellation of Unissued Global Notes</B>. Promptly upon the written
request of the Issuer, the Paying Agent shall cancel and return to the Issuer all unissued Global Notes in its possession. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;14.8. Mutilated, Stolen or Destroyed Notes</B>. In case a Note shall at any time become mutilated, destroyed,
lost or stolen and such Note or evidence satisfactory to the Issuer or the Paying Agent of the loss, theft, or destruction thereof (together with indemnity satisfactory to the Issuer and the Paying Agent and such other documents of proof as may be
required by them) shall be delivered to the Issuer, a new Note of like tenor will be issued by the Issuer in exchange for the Note so mutilated, or in lieu of the Note so destroyed or lost or stolen. The Paying Agent will authenticate any such
substituted Note and deliver the same on the written request or authorization of a Responsible Officer. All expenses and reasonable charges associated with procuring the indemnity referred to above and with the preparation, authentication and
delivery of a new Note shall be borne by the holder of the Note so mutilated, destroyed, lost or stolen. If any Note which has matured or is about to mature shall become mutilated, destroyed, lost or stolen, the Issuer may, instead of issuing a
substitute Note, pay or authorize the payment of the same (without surrender thereof except in the case of a mutilated Note) upon compliance by the holder thereof with the provisions of this Section&nbsp;14.8 (including delivery of an indemnity
satisfactory to the Issuer and the Paying Agent and such other documents of proof as may be required by them). </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;15. PAYMENTS ON NOTES.
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;15.1. Place of Payment</B>. Payment of the principal, interest and premium, if any, payable on the
Maturity Date or any earlier redemption or repayment date, if any, will be made by wire transfer in immediately available funds to a bank account in the United States designated by the Paying Agent, upon presentation and surrender of the Notes at
the office of the Paying Agent or its affiliate in New York City or at such other place or places as the Paying Agent shall designate by notice to the holder of any Note, provided that the Notes are presented to the Paying Agent in time for the
Paying Agent to make such payments in such funds in accordance with its normal procedures and subject to the deposit by the Issuer of sufficient funds to enable the Paying Agent to make such payments. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-34- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;15.2. Interest Payments Due on </B><B>the Notes</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Notwithstanding anything to the contrary contained in this Agreement or the Notes, any payment of interest shall be payable to the holder
of any Note in whose name such Note is registered in the Note Register on the Record Date prior to the applicable interest payment date as set forth in the Notes. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) If the Issuer defaults in a payment of interest on the Notes, it shall pay the defaulted interest in any lawful manner plus, to the extent
lawful, interest payable on the defaulted interest, to the Persons who are holders on a subsequent special record date, in each case at the rate provided in the Notes and in Section&nbsp;2.2. Such defaulted interest will be paid to the holder in
whose name the Note is registered at the close of business on a special record date fixed by the Issuer, notice of which shall be given to the holder of this note not less than 10 calendar days prior to such special record date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;15.3. Payment by Wire Transfer</B>. Payments (other than on the Maturity Date or the Make-Whole Payment Date, if
any) shall be made by wire transfer in immediately available funds to a bank account in the United States designated by the Paying Agent in a written notice received by the Issuer not later than the applicable Record Date (as defined below).
Interest payable on any Interest Payment Date (other than on the Maturity Date) shall be payable to the holder of any Note in whose name such Note is registered at the close of business on the fifteenth (15<SUP
STYLE="font-size:75%; vertical-align:top">th</SUP>) calendar day immediately preceding the related payment date (each such date being referred to herein as a &#147;<B>Record Date</B>&#148;), except as provided in Section&nbsp;15.2 with respect to
defaulted interest. The Paying Agent will promptly distribute to each Noteholder its pro rata share (or other applicable share as provided herein) of such payment in like funds as received by wire transfer to such Noteholder, and, for the avoidance
of doubt, the Issuer&#146;s obligation with respect to making such payments will be solely to the Paying Agent and not the Noteholders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;15.4. Tax Information</B>. By acceptance of any Note, the holder of such Note agrees that such holder will with
reasonable promptness duly complete and deliver to the Issuer, or to such other Person as may be reasonably requested by the Issuer, from time to time (a)&nbsp;any forms, documents, or certifications as may be reasonably required for the Issuer to
satisfy any information reporting or withholding tax obligations with respect to any payments under this Agreement, (b)&nbsp;in the case of any such holder that is a United States Person, such holder&#146;s United States tax identification number or
other forms reasonably requested by the Issuer necessary to establish such holder&#146;s status as a United States Person under FATCA and as may otherwise be necessary for the Issuer to comply with its obligations under FATCA and (c)&nbsp;in the
case of any such holder that is not a United States Person, such documentation prescribed by applicable law (including as prescribed by section 1471(b)(3)(C)(i) of the Code) and such additional documentation as may be necessary for the Issuer to
comply with its obligations under FATCA and to determine that such holder has complied with such holder&#146;s obligations under FATCA or to determine the amount (if any) to deduct and withhold from any such payment made to such holder. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-35- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;16. EXPENSES, ETC. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;16.1. Transaction Expenses</B>. The Issuer agrees after the Closing Date to pay or reimburse the Collateral Agent
(pursuant to a separate fee agreement between the Issuer and the Collateral Agent) and the holders of the Notes for all reasonable fees and reasonable <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT>
costs and expenses incurred in connection with the enforcement or protection of any rights or remedies under this Agreement or the other Note Documents; <I>provided</I>, that (x)&nbsp;with respect to attorneys&#146; fees payable by the Issuer
pursuant to this Section&nbsp;16.1, the Issuer shall not be obligated to pay for the attorneys&#146; fees of more than one firm of special counsel to the Collateral Agent, one firm of special counsel to the Purchasers and all other holders of the
Notes collectively, and, to the extent that local or other counsel is reasonably required, the attorneys&#146; fees of no more than one firm of such local or other counsel (which firm shall be the firm retained to represent the Purchasers and all
other holders of Notes collectively), and (y)&nbsp;with respect to any financial advisors&#146; fees, incurred in connection with the insolvency or bankruptcy of any Transaction Entity or any Subsidiary or in connection with any <FONT
STYLE="white-space:nowrap">work-out</FONT> or restructuring of the transactions contemplated hereby payable by the Issuer pursuant to this Section&nbsp;16.1, the Issuer shall not be obligated to pay for financial advisors&#146; fees and related
costs and expenses for more than one firm of financial advisors (which firm shall be the firm retained to represent the Purchasers and all other holders of Notes collectively). The Issuer will pay, and will hold the Collateral Agent, each Purchaser
and each other holder of a Note harmless from, all claims in respect of any fees, costs or expenses, if any, of brokers and finders (other than those, if any, retained by a Purchaser or other holder in connection with its purchase of the Notes).
Notwithstanding anything in this Agreement to the contrary, the Issuer shall not pay to any Purchaser any costs or expenses consisting of, nor hold any Purchaser harmless from, any income or other similar taxes payable by a Purchaser as a result of
the transactions contemplated hereby. At or promptly following the Closing Date, the Issuer will pay the reasonable expenses of Paul Hastings LLP, as special counsel to the Purchasers, and Alston&nbsp;&amp; Bird LLP, as special counsel to the
Collateral Agent, in connection with the transactions contemplated hereby and invoiced prior to the Closing Date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Issuer will pay,
and will save the Collateral Agent and each holder of a Note (each, an &#147;<B>Indemnitee</B>&#148;) harmless from any judgment, liability, claim, order, decree, fine, penalty, cost, fee, expense or obligation resulting from (a)&nbsp;the execution,
delivery, enforcement or performance or administration of any Note Document or any other agreement, letter or instrument delivered in connection with the transactions contemplated hereby or the consummation of the transactions contemplated hereby,
(b)&nbsp;any the use of the proceeds of the Notes by the Issuer, (c)&nbsp;any actual or alleged presence or release of Hazardous Materials at, on, under or from any property or facility currently or formerly owned, leased or operated by the
Transaction Entities or any of their subsidiaries, (d)&nbsp;any actual or prospective claim, litigation, investigation or proceeding relating to any of the foregoing, whether based on contract, tort or any other theory (including any investigation
of, preparation for, or defense of any pending or threatened claim, investigation, litigation or proceeding) or (e)&nbsp;the consummation of the transactions contemplated hereby, including the use of the proceeds of the Notes by the Issuer, in each
case, other than any such judgment, liability, claim, order, decree, fine, penalty, cost, fee, expense (including reasonable attorneys&#146; fees and expenses) or obligation that resulted from (x)&nbsp;in the case of the Collateral Agent gross
negligence or willful misconduct by such Indemnitee or any of its Affiliates or their respective directors, officers, employees, partners, advisors or other representatives, (y)&nbsp;in the case of the Purchasers, the bad faith, gross negligence or
willful misconduct or a material breach of any obligations under any Note Document by such Indemnitee or of any of its Affiliates or their respective directors, officers, employees, partners, advisors or other representatives, or (z)&nbsp;solely
with respect to indemnity sought by a Purchaser or holder of a Note, a claim between any Purchaser or holder of a Note, on the one hand, and any other Purchaser or holder of a Note, on the other hand (other than claims arising out of any act or
omission by the Issuer and/or its Affiliates). Notwithstanding anything to the contrary, the Issuer shall not be obligated to indemnify any Indemnitee for any punitive damages arising out of, in connection with, or as a result of the transactions
contemplated hereunder or under any Note. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-36- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All amounts due under this Section&nbsp;16.1 shall be paid within thirty (30)&nbsp;days after
written demand therefor (together with, to the extent reasonably available, backup documentation supporting such reimbursement request); <I>provided</I>, that such Indemnitee shall promptly refund such amount to the extent that there is a final
judicial or arbitral determination that such Indemnitee was not entitled to indemnification rights with respect to such payment pursuant to the express terms of this Section&nbsp;16.1. For the avoidance of doubt, with respect to the Purchasers, this
Section&nbsp;16.1 shall not apply to any taxes, duties, levies, imposts, assessments, fees, deductions, withholdings (including backup withholding) or other charges imposed by any Governmental Authority, including interest, penalties and additions
to tax applicable thereto (collectively &#147;<B>Taxes</B>&#148;), except any Taxes that represent liabilities, obligations, losses, damages, penalties, claims, demands, actions, prepayments, suits, costs, expenses and disbursements arising from any
<FONT STYLE="white-space:nowrap">non-Tax</FONT> claims. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Collateral Agent&#146;s right to receive payment of any amounts due under
this Section&nbsp;16.1 shall not be subordinated to any other liability or indebtedness of the Issuer and the Collateral Agent&#146;s lien on the Collateral secures the Issuer&#146;s payment and indemnity obligations to the Collateral Agent under
this Section&nbsp;16.1. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;16.2. Survival</B>. The obligations of the Issuer under this Section&nbsp;16 will
survive the payment or transfer of any Note, the enforcement, amendment or waiver of any provision of this Agreement or the Notes, the resignation or removal of the Collateral Agent and the termination of this Agreement. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;17. SURVIVAL OF REPRESENTATIONS AND WARRANTIES; ENTIRE AGREEMENT. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All representations and warranties contained herein shall survive the execution and delivery of this Agreement and the Notes, the purchase or
transfer by any Purchaser of any Note or portion thereof or interest therein and the payment of any Note, and may be relied upon by any subsequent holder of a Note, regardless of any investigation made at any time by or on behalf of such Purchaser
or any other holder of a Note. All statements contained in any certificate or other instrument delivered by or on behalf of the Transaction Entities pursuant to this Agreement shall be deemed representations and warranties of the Transaction
Entities under this Agreement. Subject to the preceding sentence, this Agreement and the Notes embody the entire agreement and understanding between each Purchaser and the Transaction Entities and supersede all prior agreements and understandings
relating to the subject matter hereof. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;18. AMENDMENT AND WAIVER. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;18.1. Requirements</B>. This Agreement and the Notes may be amended, and the observance of any term hereof or of
the Notes may be waived (either retroactively or prospectively), only with the written consent of the Transaction Entities and the Required Holders, except that: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) no amendment or waiver of any of Sections 2, 3, 4, 5 or 7 hereof, or any defined term (as it is used therein), will be effective as to any
Purchaser unless consented to by such Purchaser in writing; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) no amendment or waiver may, without the written consent of each Purchaser
and the holder of each Note at the time outstanding, (i)&nbsp;subject to Section&nbsp;13 relating to acceleration or rescission, change the amount or time of any prepayment or payment of principal of, or reduce the rate or change the time of payment
or method of computation of (x)&nbsp;interest on the Notes or (y)&nbsp;the Make-Whole Amount, if any, (ii)&nbsp;change the percentage of the principal amount of the Notes the holders of which are required to consent to any amendment or waiver, or
(iii)&nbsp;amend any of Sections 9, 12(a), 12(b), 13.5, 18 or 21 in a manner adverse to any <FONT STYLE="white-space:nowrap">non-consenting</FONT> holder; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-37- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) no amendment or waiver may release all or substantially all of the Collateral unless
consented to by holders of at least <FONT STYLE="white-space:nowrap">66-2/3%</FONT> in aggregate principal amount of the then-outstanding Notes; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) no amendment or waiver that imposes additional obligations on, or reduces the rights of the Collateral Agent, will be effective unless
consented to in writing by the Collateral Agent. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;18.2. Solicitation of Holders of Notes</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>Solicitation</I>. The Issuer will provide each holder of a Note with sufficient information, sufficiently far in advance of the date a
decision is required, to enable such holder to make an informed and considered decision with respect to any proposed amendment, waiver or consent in respect of any of the provisions hereof or of the Notes. The Issuer will deliver executed or true
and correct copies of each amendment, waiver or consent effected pursuant to this Section&nbsp;18 to each holder of a Note promptly following the date on which it is executed and delivered by, or receives the consent or approval of, the requisite
holders of Notes. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Consent in Contemplation of Transfer</I>. Any consent given pursuant to this Section&nbsp;18 by a holder of a
Note that has transferred, or has agreed to transfer, its Note to the Issuer or any of its subsidiaries in each case in connection with such consent, shall be void and of no force or effect except solely as to such holder, and any amendments
effected or waivers granted or to be effected or granted that would not have been or would not be so effected or granted but for such consent (and the consents of all other holders of Notes that were acquired under the same or similar conditions)
shall be void and of no force or effect except solely as to such holder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;18.3. Binding Effect,
Etc</B><B>.</B> Any amendment or waiver consented to as provided in this Section&nbsp;18 applies equally to all holders of Notes and is binding upon them and upon each future holder of any Note and upon the Issuer without regard to whether such Note
has been marked to indicate such amendment or waiver. No such amendment or waiver will extend to or affect any obligation, covenant, agreement, Default or Event of Default not expressly amended or waived or impair any right consequent thereon. No
course of dealing between the Issuer and any holder of a Note and no delay in exercising any rights hereunder or under any Note shall operate as a waiver of any rights of any holder of such Note. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;18.4. Notes Held by Company, Etc</B><B>.</B> Solely for the purpose of determining whether the holders of the
requisite percentage of the aggregate principal amount of Notes then outstanding approved or consented to any amendment, waiver or consent to be given under this Agreement or the Notes, or have directed the taking of any action provided herein or in
the Notes to be taken upon the direction of the holders of a specified percentage of the aggregate principal amount of Notes then outstanding, Notes directly or indirectly owned by the Issuer or any of its Affiliates shall be deemed not to be
outstanding. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;19. NOTICES. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Except to the extent otherwise provided in Section&nbsp;8.3, all notices and communications provided for hereunder shall be in writing and sent
(a)&nbsp;by telecopy if the sender on the same day sends a confirming copy of such notice by an internationally recognized overnight delivery service (charges prepaid), or (b)&nbsp;by registered or certified mail with return receipt requested
(postage prepaid), (c) by an internationally recognized overnight delivery service (charges prepaid), or (d)&nbsp;by <FONT STYLE="white-space:nowrap">e-mail;</FONT> <I>provided</I> that upon request of any holder to receive paper copies of such
notices or communications, the Issuer will promptly deliver such paper copies to such holder: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-38- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) if to any Purchaser or its nominee, to such Purchaser or nominee at the
address specified for such communications on such Purchaser&#146;s signature page to the applicable Note Purchase Agreement, or at such other address as such Purchaser or nominee shall have specified to the Transaction Entities in writing, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) if to any other holder of any Note, to such holder at such address as set forth in the Note Register, or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) if to the Transaction Entities, to the Transaction Entities at their address set forth at the beginning hereof to the
attention of Mark Szczepaniak, <FONT STYLE="white-space:nowrap">E-Mail:</FONT> <U>mszczepaniak@velocitymortgage.com</U>, or at such other address as the Transaction Entities shall have specified to the holder of each Note in writing. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) if to the Collateral Agent, to the Collateral Agent at its address set forth below: U.S. Bank Trust Company, National
Association, 190 South LaSalle Street, Chicago, Illinois 60603, <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">MK-IL-SL7,</FONT></FONT> Email: <U>juan.hernandez3@usbank.com</U> or at such other address as the Collateral Agent
shall have specified to the Transaction Entities and Paying Agent in writing. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Notices under this Section&nbsp;19 will be deemed given only
when actually received. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;20. REPRODUCTION OF DOCUMENTS. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Agreement and all documents relating thereto, including (a)&nbsp;consents, waivers and modifications that may hereafter be executed,
(b)&nbsp;documents received by any Purchaser at the Closing (except the Notes themselves), and (c)&nbsp;financial statements, certificates and other information previously or hereafter furnished to any Purchaser, may be reproduced by such Purchaser
by any photographic, photostatic, electronic, digital, or other similar process and such Purchaser may destroy any original document so reproduced. Each of the Transaction Entities agrees and stipulates that, to the extent permitted by applicable
law, any such reproduction shall be admissible in evidence as the original itself in any judicial or administrative proceeding (whether or not the original is in existence and whether or not such reproduction was made by such Purchaser in the
regular course of business) and any enlargement, facsimile or further reproduction of such reproduction shall likewise be admissible in evidence. This Section&nbsp;20 shall not prohibit the Transaction Entities or any other holder of Notes from
contesting any such reproduction to the same extent that it could contest the original, or from introducing evidence to demonstrate the inaccuracy of any such reproduction. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-39- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;21. CONFIDENTIAL INFORMATION. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For the purposes of this Section&nbsp;21, &#147;<B>Confidential Information</B>&#148; means information delivered to any Purchaser by or on
behalf of a Transaction Entity or any subsidiary in connection with the transactions contemplated by or otherwise pursuant to this Agreement that is proprietary in nature and that was clearly marked or labeled or otherwise adequately identified when
received by such Purchaser as being confidential information of a Transaction Entity or such subsidiary or that was made available to such Purchaser in a virtual data room in connection with the transaction contemplated hereby, provided that such
term does not include information that (a)&nbsp;was publicly known or otherwise known to such Purchaser prior to the time of such disclosure, (b)&nbsp;subsequently becomes publicly known through no act or omission by such Purchaser or any Person
acting on such Purchaser&#146;s behalf, (c)&nbsp;otherwise becomes known to such Purchaser other than through disclosure by a Transaction Entity or any subsidiary or (d)&nbsp;constitutes financial statements delivered to such Purchaser under
Section&nbsp;8.1 that are otherwise publicly available. No Purchaser shall use the Confidential Information for any purpose (including, without limitation, to compete with the business of the Transaction Entities, any of their Subsidiaries, any
Affiliate) other than purposes directly related to the holding of the Notes by the Purchaser. Each of the Purchasers and the Collateral Agent will maintain the confidentiality of such Confidential Information in accordance with procedures adopted by
such Purchaser or the Collateral Agent, as the case may be, in good faith to protect confidential information of third parties delivered to such Purchaser or the Collateral Agent, as the case may be; <I>provided</I> that such Purchaser or the
Collateral Agent, as the case may be, may deliver or disclose Confidential Information to (i)&nbsp;its directors, officers, employees, agents, attorneys, trustees and affiliates (to the extent such disclosure reasonably relates to the administration
of the investment represented by its Notes), (ii)&nbsp;its auditors, financial advisors and other professional advisors who agree to hold confidential the Confidential Information substantially in accordance with this Section&nbsp;21, (iii)&nbsp;any
other holder of any Note, (iv)&nbsp;any financial institution (other than a Competitor) to which the relevant Purchaser sells or offers to sell such Note or any part thereof or any participation therein (if such Person has agreed in writing prior to
its receipt of such Confidential Information to be bound by this Section&nbsp;21), (v)&nbsp;any Person (other than a Competitor) from which the relevant Purchaser offers to purchase any security of the Issuer (if such Person has agreed in writing
prior to its receipt of such Confidential Information to be bound by this Section&nbsp;21), (vi)&nbsp;any federal or state regulatory authority having jurisdiction over such Purchaser or the Collateral Agent, as the case may be, (vii)&nbsp;any
nationally recognized rating agency that requires access to information about such Purchaser&#146;s investment portfolio, or (viii)&nbsp;any other Person (other than a Competitor) to which such delivery or disclosure may be necessary or appropriate
(provided that, solely with respect to clause (y)&nbsp;immediately below, the Purchaser shall use its reasonable efforts to cause such Person to agree in writing prior to its receipt of such Confidential Information to be bound by this
Section&nbsp;21) (w) to effect compliance with any law, rule, regulation or order applicable to such Purchaser or the Collateral Agent, as the case may be, (x)&nbsp;in response to any subpoena or other legal process, (y)&nbsp;in connection with any
litigation to which such Purchaser or the Collateral Agent is a party or (z)&nbsp;if an Event of Default has occurred and is continuing, to the extent such Purchaser or the Collateral Agent, as the case may be, may reasonably determine such delivery
and disclosure to be necessary or appropriate in the enforcement or for the protection of the rights and remedies under such Purchaser&#146;s Notes (if applicable), this Agreement or any of the other Note Documents. In the event of a disclosure
pursuant to clause (vi)&nbsp;and (viii), such Purchaser shall, unless prohibited by applicable law or legal process, notify the Issuer as soon as practical in the event of any such disclosure and disclose Confidential Information to the minimum
extent required or requested and shall, upon the Issuer&#146;s request and expense, reasonably cooperate with the Issuer in connection with obtaining a protective order or other appropriate means to protect the confidentiality of the Confidential
Information being disclosed. Each holder of a Note, by its acceptance of a Note, will be deemed to have agreed to be bound by and to be entitled to the benefits of this Section&nbsp;21 as though it were a party to this Agreement. On reasonable
request by a Transaction Entity in connection with the delivery to any holder of a Note of information required to be delivered to such holder under this Agreement or requested by such holder (other than a holder that is a party to this Agreement or
its nominee), such holder will enter into an agreement with the Transaction Entities embodying this Section&nbsp;21. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the event that as
a condition to receiving access to information relating to a Transaction Entity or its subsidiaries in connection with the transactions contemplated by or otherwise pursuant to this Agreement, any Purchaser or holder of a Note is required to agree
to a confidentiality undertaking (whether through a secure website, a secure virtual workspace or otherwise) which is different from this Section&nbsp;21, this Section&nbsp;21 shall not be amended thereby and, as between such Purchaser or such
holder and the Transaction Entities, this Section&nbsp;21 shall supersede any such other confidentiality undertaking. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-40- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;22. MISCELLANEOUS. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;22.1. Successors and Assigns</B>. All covenants and other agreements contained in this Agreement by or on behalf
of any of the parties hereto bind and inure to the benefit of their respective successors and assigns (including any subsequent holder of a Note) whether so expressed or not, except that, except in compliance with Section&nbsp;11.1, a Transaction
Entity may not assign or otherwise transfer any of its rights or obligations hereunder or under the Notes without the prior written consent of each holder. Nothing in this Agreement, expressed or implied, shall be construed to confer upon any Person
(other than the parties hereto and their respective successors and assigns permitted hereby) any legal or equitable right, remedy or claim under or by reason of this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;22.2. Accounting Terms</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) All accounting terms used herein which are not expressly defined in this Agreement have the meanings respectively given to them in
accordance with GAAP. Except as otherwise specifically provided herein, (i)&nbsp;all computations made pursuant to this Agreement shall be made in accordance with GAAP, and (ii)&nbsp;all financial statements shall be prepared in accordance with
GAAP. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) If the Issuer notifies the holder of the Notes that the Issuer requests an amendment to any provision hereof to eliminate the
effect of any change occurring after the date hereof in GAAP or in the application thereof on the operation of such provision (or if a holder of the Notes notifies the Issuer that the Required Holders request an amendment to any provision hereof for
such purpose), regardless of whether any such notice is given before or after such change in GAAP or in the application thereof then such provision shall be interpreted on the basis of GAAP as in effect and applied immediately before such change
shall have become effective until such notice shall have been withdrawn or such provision amended in accordance herewith. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) All leases
that would be treated as operating leases for purposes of GAAP on the date hereof shall continue to be accounted for as operating leases for purposes of all financial definitions and calculations hereunder regardless of any change to GAAP following
the date hereof that would otherwise require such leases to be treated as Capital Lease Obligations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;22.3.
Severability</B>. Any provision of this Agreement that is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining
provisions hereof, and any such prohibition or unenforceability in any jurisdiction shall (to the full extent permitted by law) not invalidate or render unenforceable such provision in any other jurisdiction. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;22.4. Construction, Etc</B><B>.</B> Each covenant contained herein shall be construed (absent express provision
to the contrary) as being independent of each other covenant contained herein, so that compliance with any one covenant shall not (absent such an express contrary provision) be deemed to excuse compliance with any other covenant. Where any provision
herein refers to action to be taken by any Person, or which such Person is prohibited from taking, such provision shall be applicable whether such action is taken directly or indirectly by such Person. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-41- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Defined terms herein shall apply equally to 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 &#147;include,&#148; &#147;includes&#148; and &#147;including&#148; shall be deemed to be followed by the phrase
&#147;without limitation.&#148; The word &#147;will&#148; shall be construed to have the same meaning and effect as the word &#147;shall.&#148; Unless the context requires otherwise (a)&nbsp;any definition of or reference to any agreement,
instrument or other document herein shall be construed as referring to such agreement, instrument or other document as from time to time amended, supplemented or otherwise modified (subject to any restrictions on such amendments, supplements or
modifications set forth herein) and, for purposes of the Notes, shall also include any such notes issued in substitution therefor pursuant to Section&nbsp;14, (b) subject to Section&nbsp;22.1, any reference herein to any Person shall be construed to
include such Person&#146;s successors and assigns, (c)&nbsp;the words &#147;herein,&#148; &#147;hereof&#148; and &#147;hereunder,&#148; and words of similar import, shall be construed to refer to this Agreement in its entirety and not to any
particular provision hereof, (d)&nbsp;all references herein to Sections and Schedules shall be construed to refer to Sections of, and Schedules to, this Agreement, and (e)&nbsp;any reference to any law or regulation herein shall, unless otherwise
specified, refer to such law or regulation as amended, modified or supplemented from time to time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;22.5
Limited Condition Acquisitions. </B>Notwithstanding anything to the contrary contained in this Agreement, for purposes of determining the occurrence of any Default or Event of Default in connection with a Limited Condition Acquisition, if the Issuer
has made an LCA Election with respect to such Limited Condition Acquisition, the date of determination of whether any such action is permitted hereunder shall be deemed to be the date the definitive agreements for such Limited Condition Acquisition
are entered (the &#147;<B>LCA Test Date</B>&#148;). If the Issuer has made an LCA Election for any Limited Condition Acquisition, then in connection with any subsequent calculation of any ratio or basket on or following the relevant LCA Test Date
and prior to the earlier of (i)&nbsp;the date on which such Limited Condition Acquisition is consummated or (ii)&nbsp;the date that the definitive agreement for such Limited Condition Acquisition is terminated without consummation of such Limited
Condition Acquisition, any such ratio (other than the financial covenants in Section&nbsp;11.3) or basket shall be calculated on a pro forma basis assuming such Limited Condition Acquisition and other transactions in connection therewith (including
any incurrence of Additional Notes and the use of proceeds thereof) have been consummated.<B> </B> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;22.6.
Counterparts.</B> This Agreement may be executed in any number of counterparts, each of which shall be an original but all of which together shall constitute one instrument. Each counterpart may consist of a number of copies hereof, each signed by
less than all, but together signed by all, of the parties hereto. Signatures of the parties hereto transmitted by facsimile or .pdf shall be deemed to be their original signatures for all purposes. The words &#147;execution,&#148;
&#147;signed,&#148; &#147;signature,&#148; &#147;delivery,&#148; and words of like import in or relating to this Agreement or any document to be signed in connection with this Agreement shall be deemed to include electronic signatures, deliveries 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, physical delivery thereof or the use of a paper-based recordkeeping system, as the case may be,
and the parties hereto consent to conduct the transactions contemplated hereunder by electronic means. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;22.7. Governing Law</B>. This Agreement shall be construed and enforced in accordance with, and the rights of
the parties shall be governed by, the law of the State of New York. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;22.8. Jurisdiction and Process; Waiver
of Jury Trial</B>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Each of the Transaction Entities irrevocably submits to the <FONT STYLE="white-space:nowrap">non-exclusive</FONT>
jurisdiction of any New York State or federal court, in each case, sitting in the Borough of Manhattan, The City of New York, over any suit, action or proceeding arising out of or relating to this Agreement or the Notes. To the fullest extent
permitted by applicable law, each of the Transaction Entities irrevocably waives and agrees not to assert, by way of motion, as a defense or otherwise, any claim that it is not subject to the jurisdiction of any such court, any objection that it may
now or hereafter have to the laying of the venue of any such suit, action or proceeding brought in any such court and any claim that any such suit, action or proceeding brought in any such court has been brought in an inconvenient forum. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-42- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Each of the Transaction Entities agrees, to the fullest extent permitted by applicable
law, that a final judgment in any suit, action or proceeding of the nature referred to in Section&nbsp;22.8(a) brought in any such court shall be conclusive and binding upon it subject to rights of appeal, as the case may be, and may be enforced in
the courts of the United States of America or the State of New York (or any other courts to the jurisdiction of which it or any of its assets is or may be subject) by a suit upon such judgment. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Each of the Transaction Entities consents to process being served by or on behalf of any holder of Notes in any suit, action or proceeding
of the nature referred to in Section&nbsp;22.8(a) by mailing a copy thereof by registered, certified, priority or express mail (or any substantially similar form of mail), postage prepaid, return receipt or delivery confirmation requested, to it at
its address specified in Section&nbsp;19 or at such other address of which such holder shall then have been notified pursuant to said Section. Each of the Transaction Entities agrees that such service upon receipt (i)&nbsp;shall be deemed in every
respect effective service of process upon it in any such suit, action or proceeding and (ii)&nbsp;shall, to the fullest extent permitted by applicable law, be taken and held to be valid personal service upon and personal delivery to it. Notices
hereunder shall be conclusively presumed received as evidenced by a delivery receipt furnished by the United States Postal Service or any reputable commercial delivery service. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Nothing in this Section&nbsp;22.8 shall affect the right of any holder of a Note to serve process in any manner permitted by law, or limit
any right that the holders of any of the Notes may have to bring proceedings against either of the Transaction Entities in the courts of any appropriate jurisdiction or to enforce in any lawful manner a judgment obtained in one jurisdiction in any
other jurisdiction. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) THE PARTIES HERETO HEREBY WAIVE TRIAL BY JURY IN ANY ACTION BROUGHT ON OR WITH RESPECT TO THIS AGREEMENT, THE
NOTES OR ANY OTHER DOCUMENT EXECUTED IN CONNECTION HEREWITH OR THEREWITH. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;22.9. Bankruptcy Proceedings.
</B>The following provisions shall apply during any bankruptcy proceeding of the Issuer: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Each Noteholder or Purchaser shall be free to
act independently on any issue not affecting the Collateral. Each Noteholder or Purchaser shall give prior notice to the Collateral Agent, the relevant trustee, receiver or liquidator appointed by any Noteholder or Purchaser at such time (if any) of
any such action that could materially affect the rights or interests of the Collateral Agent or such trustee, receiver or liquidator or the other Noteholders or Purchasers to the extent that such notice is reasonably practicable. If such prior
notice is not given, such Noteholder or Purchaser shall give prompt notice following any action taken hereunder. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Any proceeds of the
Collateral received by any Noteholder or Purchaser as a result of, or during, any bankruptcy proceeding will be delivered promptly to the trustee, receiver or liquidator appointed by any Noteholder or Purchaser at such time (if any). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-43- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;23. COLLATERAL AGENT </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;23.1. Appointment of the Collateral Agent</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>The Collateral Agent</I>. U.S. Bank Trust Company, National Association shall initially act as Collateral Agent for the Purchasers. U.S.
Bank Trust Company, National Association, as Collateral Agent, is hereby authorized and directed by the Purchasers to (i)&nbsp;enter into this Agreement and each of the other Note Documents, (ii)&nbsp;bind the Purchasers on the terms as set forth in
this Agreement and in each of the other Note Documents and (iii)&nbsp;perform and observe its obligations under this Agreement and each of the other Note Documents. Each Purchaser, by its acceptance of the Notes, irrevocably consents and agrees to
the terms of the Note Documents (including, without limitation, the provisions providing for the release of Collateral) as the same may be in effect may be amended from time to time in accordance with their terms. The Collateral Agent is each
Purchaser&#146;s agent for the purpose of perfecting such Purchaser&#146;s security interest in assets which, in accordance with Article 9 of the UCC can be perfected only by possession. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Role of the Collateral Agent</I>. The rights, duties, liabilities and immunities of the Collateral Agent and its appointment,
resignation and replacement hereunder and under this Agreement and the other Note Documents shall be governed by this Agreement and the relevant provisions contained in this Agreement and the other Note Documents. Without limiting the foregoing, the
rights, privileges, protections and benefits given to the Collateral Agent under this Agreement are extended to, and shall be enforceable by, the Collateral Agent in connection with the execution, delivery and administration of the other Note
Documents and any action taken or omitted to be taken by the Collateral Agent in connection with its appointment and performance under the other Note Documents to which it is a party. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Absence of Fiduciary Relation</I>. The Collateral Agent undertakes to perform or to observe only such of its agreements and obligations
as are specifically set forth in this Agreement and the other Note Documents, and no implied agreements, covenants, functions, duties, responsibilities, liabilities or obligations with respect to the Issuer or any Affiliate of the Issuer, any
Purchaser or any other party shall be read into this Agreement against the Collateral Agent. Notwithstanding any provision to the contrary contained elsewhere in this Agreement or the other Note Documents, the duties of the Collateral Agent shall be
ministerial and administrative in nature and the Collateral Agent in its capacity as such is not a fiduciary of and shall not owe or be deemed to owe any fiduciary duty to the Purchasers, any Noteholders, the Transaction Entities or any related
Person of any Purchaser, Noteholder, Transaction Entity, or any other Person. Without limiting the generality of the foregoing sentence, the use of the term &#147;agent&#148; in this Agreement and the other Note Documents with reference to the
Collateral Agent is not intended to connote any fiduciary or other implied (or express) obligations arising under agency doctrine of any applicable law. Instead, such term is used merely as a matter of market custom, and is intended to create or
reflect only an administrative relationship between independent contracting parties. The Issuer hereby agrees that the Collateral Agent shall hold the Collateral on behalf of and for the benefit of all of the Purchasers and the Collateral Agent, in
each case, pursuant to the terms of the Note Documents. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <I>Exculpatory Provisions</I>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) None of the Collateral Agent or any of its respective officers, directors, employees, agents, <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorneys-in-fact</FONT></FONT> or related Persons shall be responsible or liable in any manner (A)&nbsp;to the Issuer or any of its respective related Persons for any action taken or
omitted to be taken by it under or in connection with this Agreement in compliance herewith, (B)&nbsp;to any Purchaser or any other Person for any recitals, statements, representations, warranties, covenants or agreements contained in this Agreement
or in any other Note Document or in any certificate, report, statement or other document referred to or provided for in, or received by the Collateral Agent under or in connection with, this Agreement or any other Note Document, (C)&nbsp;to any
Purchaser or any other Person for the validity, effectiveness, adequacy, genuineness or enforceability of this Agreement or any other Note Document, or any Lien purported to be created hereunder or under any other Note Document, (D)&nbsp;to any
Purchaser or any other Person for the validity or sufficiency of the Collateral or the validity of the title of the Issuer to the Collateral, for insuring the Collateral or for the payment of taxes, charges, assessments or Liens upon the Collateral
or otherwise as to the maintenance of the Collateral or (E)&nbsp;to any Purchaser or other Person for any failure of the Issuer to perform any of its obligations. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-44- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) Notwithstanding anything to the contrary contained in this Agreement or
any other Note Document, (A)&nbsp;in no event shall the Collateral Agent be responsible for or have any obligation, duty or liability with respect to the creation, perfection, recording, registration, priority, maintenance, protection or enforcement
of any of the security interests or Liens on, security interest in, pledge or other encumbrance involving or relating to the Collateral or any other assets, properties or rights of the Issuer, (B)&nbsp;the Collateral Agent shall not be responsible
for filing any financing or continuation statements or recording any documents or instruments in any public office at any time or times or otherwise perfecting or maintaining the perfection of any Liens in the Collateral and (C)&nbsp;the Collateral
Agent shall not be under any obligation to any Person to ascertain or to inquire as to the observance or performance of any of the agreements contained in, or conditions of, this Agreement or to inspect the properties or records of the Issuer. The
permissive rights of the Collateral Agent to do things enumerated in this Agreement shall not be construed as a duty or obligation. Notwithstanding anything to the contrary herein, the Collateral Agent&#146;s sole duty with respect to the custody,
safekeeping and physical preservation of the Collateral in its possession, under the UCC or otherwise, shall be to deal with it in the same manner as the Collateral Agent deals with similar property for its own account and the Collateral Agent shall
be deemed to have exercised reasonable care in the custody and preservation of the Collateral in its possession if the Collateral is accorded treatment substantially equal to that which comparable secured parties accord comparable collateral and the
Collateral Agent shall not be responsible for any loss or diminution in value of the Collateral including, without limitation, by reason of the act or omission of any carrier, forwarding agency or other agent or bailee selected by the Collateral
Agent in good faith. The Collateral Agent shall be permitted to use overnight carriers to transmit possessory collateral and shall not be liable for any items lost or damaged in transit. The Collateral Agent shall not be liable for failure to
demand, collect or realize upon any of the Collateral or for any delay in doing so or shall be under any obligation to sell or otherwise dispose of any Collateral upon the request of the Issuer or any other Person or to take any other action
whatsoever with regard to the Collateral or any part thereof. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) Notwithstanding anything to the contrary contained
herein, the Collateral Agent shall not be exonerated from any liability arising from the gross negligence of the Collateral Agent, or its respective related Persons, in the exercise of any right or duty hereunder, or from the willful misconduct of
such Collateral Agent, or its respective related Persons, in each case as finally determined by a court of competent jurisdiction. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) Except as otherwise provided in the Note Documents, the Collateral Agent shall in all cases be fully protected in acting,
or in refraining from acting, under this Agreement or the other Note Documents in accordance with a request, direction, instruction or consent of the Required Holders and such request and any action taken pursuant thereto shall be binding upon all
Holders. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v) The Collateral Agent shall be authorized to appoint <FONT STYLE="white-space:nowrap">co-collateral</FONT>
agents and may act through agents or attorneys and shall not be responsible for the acts or omissions of any such attorney appointed with due care. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-45- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vi) The Collateral Agent shall not be charged with knowledge of (A)&nbsp;any
events or other information or (B)&nbsp;any default under this Agreement or any other agreement unless, in each case, the Collateral Agent shall have actual knowledge thereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vii) The Collateral Agent shall not have any obligation whatsoever to any of the Noteholders to assure that the Collateral
exists or is owned by the Issuer or is cared for, protected, or insured or has been encumbered, or that the Collateral Agent&#146;s Liens have been properly or sufficiently or lawfully created, perfected, protected, maintained or enforced or are
entitled to any particular priority, or to determine whether all of the Issuer&#146;s property constituting Collateral intended to be subject to the Lien and security interest of the Note Documents has been properly and completely listed or
delivered, as the case may be, or the value, genuineness, validity, ownership, marketability or sufficiency thereof or title thereto, or to exercise at all or in any particular manner or under any duty of care, disclosure, or fidelity, or to
continue exercising, any of the rights, authorities, and powers granted or available to the Collateral Agent pursuant to this Agreement or any other Note Document other than pursuant to the instructions of the Required Holders or as otherwise
provided in the Note Documents. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(viii) Upon the receipt by the Collateral Agent of a written request of the Issuer signed
by an officer (a &#147;<B>Collateral Document Order</B>&#148;), the Collateral Agent is hereby authorized to execute and enter into, and shall execute and enter into, without the further consent of any Noteholder, any Collateral Document to be
executed after the date hereof. Such Collateral Document Order shall (i)&nbsp;state that it is being delivered to the Collateral Agent pursuant to, and is a Collateral Document Order referred to in, this Section&nbsp;23.1(d)(viii), and
(ii)&nbsp;instruct the Collateral Agent to execute and enter into such Collateral Document; provided that in no event shall the Collateral Agent be required to enter into a Collateral Document that it determines adversely affects the Collateral
Agent in a commercially unreasonable manner. Any such execution of a Collateral Document shall be at the direction and reasonable expense of the Issuer, upon delivery to the Collateral Agent of a certificate of a Responsible Officer of the Issuer
stating that all conditions precedent to the execution and delivery of such Collateral Document have been satisfied. The Noteholders, by their acceptance of the Notes, hereby authorize and direct the Collateral Agent to execute such Collateral
Documents. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ix) The Collateral Agent shall be entitled to receive and rely on and shall not be liable for any action taken
or omitted to be taken by the Collateral Agent in accordance with the advice of counsel or accountants retained or consulted by the Collateral Agent. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(x) Without limiting the foregoing, with respect to any Collateral located outside of the United States (&#147;<B>Foreign
Collateral</B>&#148;), the Collateral Agent shall have no obligation to directly enforce, or exercise rights and remedies in respect of, or otherwise exercise any judicial action or appear before any court in any jurisdiction outside of the United
States. To the extent the Required Holders determine that it is necessary or advisable in connection with any enforcement or exercise of rights with respect to Foreign Collateral to exercise any judicial action or appear before any such court, the
Required Holders shall be entitled to direct the Collateral Agent to appoint a local agent for such purpose at the expense of the Issuer (subject to the receipt of such protections, security and indemnities as the Collateral Agent shall determine in
its sole discretion to protect the Collateral Agent from liability). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xi) Nothing in this Agreement or the other Note
Documents shall require the Collateral 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. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-46- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xii) In no event shall the Collateral 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 the Collateral Agent has been advised of the likelihood of such loss or damage and
regardless of the form of action. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xiii) In no event shall the Collateral Agent be required to execute and deliver any
account control agreement or any instruction or direction letter delivered in connection with such document that the Collateral Agent determines adversely affects it or otherwise subjects it to personal liability, including without limitation
agreements to indemnify any contractual counterparty; provided that nothing in this clause (xiii)&nbsp;shall be implied as imposing any such obligation on the Issuer or any other to obtain any such account control agreement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xiv) The Collateral Agent shall not be responsible or liable for any failure or delay in the performance of its obligations
under this Agreement 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; 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="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <I>Fees and Expenses</I>. The Issuer agrees that it shall reimburse and indemnify the Collateral Agent in accordance with
Section&nbsp;16.1. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) <I>Filing Fees, Taxes, etc</I>. The Issuer shall pay all filing, registration and recording fees or <FONT
STYLE="white-space:nowrap">re-filing,</FONT> <FONT STYLE="white-space:nowrap">re-registration,</FONT> and <FONT STYLE="white-space:nowrap">re-recording</FONT> fees, and all federal, state, county, and municipal stamp taxes and other similar taxes,
duties, imposts, assessments, and charges arising out of or in connection with the execution and delivery of this Agreement, the other Note Documents, and any agreement supplemental hereto or thereto and any instruments of further assurance or
termination. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) <I>Security Against Costs</I>. The Collateral Agent shall be under no obligation to take any enforcement action or remedy
under this Agreement or any other Note Document at the request, order or direction of any Purchaser pursuant to the provisions of this Agreement or any other Note Document, unless the Collateral Agent shall have been offered security or indemnity
against the costs, expenses and liabilities which may be incurred by it in compliance with such request, order or direction. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) <I>No
Responsibility for Investments</I>. In no event shall the Collateral Agent or any Purchaser be liable or responsible for any funds or investments of funds held by the Issuer or any Affiliates thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;23.2. Replacement of the Collateral Agent</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Collateral Agent may resign in writing at any time upon 30 days prior notice to the Issuer by so notifying the Issuer. The Required
Holders may remove the Collateral Agent by so notifying the Collateral Agent and may appoint a successor Collateral Agent. The Issuer shall remove the Collateral Agent if: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) the Collateral Agent is adjudged bankrupt or insolvent or an order for relief is entered with respect to the Collateral
Agent under any Bankruptcy Law; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-47- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) a receiver, custodian or other public officer takes charge of the
Collateral Agent or its property; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) the Collateral Agent otherwise becomes incapable of acting. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) If the Collateral Agent resigns or is removed by the Issuer or by the Required Holders and such Required Holders do not reasonably promptly
appoint a successor Collateral Agent, or if a vacancy exists in the office of the Collateral Agent for any reason (the Collateral Agent in such event being referred to herein as the retiring Collateral Agent), the Issuer shall promptly appoint a
successor Collateral Agent. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) A successor Collateral Agent shall deliver a written acceptance of its appointment to the retiring
Collateral Agent and to the Issuer. Upon delivery of such acceptance and the payment of all outstanding fees, expenses and indemnification amounts to which the retiring Collateral Agent is entitled pursuant to Section&nbsp;16.1 or any fee agreement
between the Issuer and the Collateral Agent, the resignation or removal of the retiring Collateral Agent shall become effective, and the successor Collateral Agent shall have all the rights, powers and duties of the Collateral Agent under this
Agreement. The successor Collateral Agent shall provide a written notice of its succession to the Purchasers. The retiring Collateral Agent shall promptly transfer all property held by it as the Collateral Agent to the successor Collateral Agent.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) If a successor Collateral Agent does not take office within 60 days after the retiring Collateral Agent resigns or is removed, the
retiring Collateral Agent, as applicable, or the holders of at least 10% in aggregate principal amount of the Notes may petition, at the expense of the Issuer, any court of competent jurisdiction for the appointment of a successor Collateral Agent.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) Notwithstanding the replacement of the Collateral Agent pursuant to this Section&nbsp;23.2, the Issuer&#146;s obligations under
Section&nbsp;16.1 shall continue for the benefit of the retiring Collateral Agent. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;23.3. Reliance by
Collateral Agent</B>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Whenever in the performance of its duties under this Agreement or any other Note Document, the Collateral Agent
shall deem it necessary or desirable that a matter be proved or established with respect to the Issuer or any other Person in connection with the taking, suffering or omitting of any action hereunder by the Collateral Agent, such matter may be
conclusively deemed to be proved or established by a certificate executed by a Responsible Officer of such Person, including an Officer&#146;s Certificate, and the Collateral Agent shall have no liability with respect to any action taken, suffered
or omitted in reliance thereon. The Collateral Agent may at any time solicit written confirmatory instructions, including a direction of the Issuer or the Required Holders or an order of a court of competent jurisdiction as to any action that it may
be requested or required to take or that it may propose to take in the performance of any of its obligations under this Agreement or any other Note Document and shall be fully justified in failing or refusing to act hereunder or under any other Note
Document until it shall have received such requisite instruction. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Collateral Agent shall be fully protected in relying upon any
note, writing, affidavit, electronic communication, fax, resolution, statement, certificate, instrument, opinion, report, notice (including any notice of an Event of Default or of the cure or waiver thereof), request, consent, order, judgment or
other paper or document or oral conversation (including telephone conversations) which it in good faith believes to be genuine and correct and to have been signed, presented or made by the proper party. The Collateral Agent may conclusively rely, as
to the truth of the statements and the correctness of the opinions expressed therein, upon any notice or certificate furnished to the Collateral Agent in connection with this Agreement or any other Note Document and upon advice and statements of
legal counsel (including counsel to the Issuer), independent accountants and other agents consulted by the Collateral Agent. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-48- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;23.4. Exercise of Remedies</B>. The remedies of the Collateral
Agent hereunder and under the other Note Documents shall include, but not be limited to, the disposition of the Collateral by foreclosure or other sale and the exercising of all remedies of a secured lender under the UCC, bankruptcy laws or similar
laws of any applicable jurisdiction. In exercising any such remedies, subject to Section&nbsp;23.1(g), the Collateral Agent shall act only upon the written direction of the Required Holders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;23.5. Authorized Investments</B>. Any and all funds held by the Collateral Agent in its capacity as Collateral
Agent, whether pursuant to any provision hereof or of any other Collateral Document or otherwise, shall, to the extent reasonably practicable following receipt by the Collateral Agent from the Issuer of specific written instructions delivered to the
Collateral Agent at least three (3)&nbsp;business days prior to the proposed investment, be invested by the Collateral Agent within a reasonable time in the Cash Equivalents identified in such written instructions; <I>provided</I> that if an Event
of Default has occurred the Collateral Agent shall invest such amounts at the written direction of the Purchasers or, absent such written direction hold such amounts <FONT STYLE="white-space:nowrap">un-invested</FONT> in cash. Any interest earned on
such funds shall be disbursed (i)&nbsp;during an Event of Default, in accordance with Section&nbsp;4.02 of the Collateral Agreement and (ii)&nbsp;at all other times, as the Issuer shall direct. The Collateral Agent shall not be responsible for any
investment losses in respect of any funds invested in accordance with this Section&nbsp;23.5. The Collateral Agent shall have no duty or obligation regarding the reinvestment of any such funds in the absence of updated written instructions from the
Issuer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;23.6. [Reserved.] </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;23.7. Conflicts with Collateral Agreement. </B>Notwithstanding anything herein to the contrary, to the extent
there is a conflict between the provisions of this Agreement and the Collateral Agreement, the terms of the Collateral Agreement shall prevail. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;23.8. Release of Liens; Authority to Release</B>. The Noteholders and Purchasers irrevocably agree: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) that any Lien on any property granted to or held by the Collateral Agent under any Note Document shall be automatically released
(i)&nbsp;upon Satisfaction, or otherwise upon the repayment, satisfaction or discharge in full in cash of all obligations under this Agreement (other than (x)&nbsp;obligations not yet due and payable and (y)&nbsp;other than contingent
indemnification obligations not yet accrued and payable), (ii) at the time the property subject to such Lien is disposed of in connection with any transaction not prohibited hereunder or under any other Note Document to any Person other than a
Person required to grant a Lien to the Collateral Agent under the Note Documents, if no Default or Event of Default shall have occurred and be continuing as a result of such release, or (iii)&nbsp;subject to Section&nbsp;18.1(c),&nbsp;if the release
of such Lien is approved, authorized or ratified in writing by the Required Holders; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) to release or subordinate any Lien on any
property granted to or held by the Collateral Agent under any Note Document to the holder of any Lien on such property that is a Permitted Lien. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon request by the Collateral Agent at any time, the Required Holders will confirm in writing the Collateral Agent&#146;s authority to
release or subordinate its interest in particular types or items of property, in each case, to the extent permitted under this Section&nbsp;23.8. In each case as specified in this Section&nbsp;23.8, the Collateral Agent will promptly (and each
Purchaser and Noteholder irrevocably authorizes the Collateral Agent to), at the Issuer&#146;s expense, execute and deliver to the applicable Transaction Entity such documents as the Issuer may reasonably request to evidence the release or
subordination of such item of Collateral from the assignment and security interest granted under the Collateral Documents. Any execution and delivery of documents pursuant to this Section&nbsp;23.8 shall be without recourse to or warranty by the
Collateral Agent. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-49- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;24. GUARANTEE. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>Guarantees</I>. The Guarantor, in accordance with the terms hereof, irrespective of the validity and the legal effects of the Notes,
irrespective of restrictions of any kind on the Issuer&#146;s performance of its obligations under the Notes, and waiving all rights of objection and defense arising from the Notes, hereby agrees to irrevocably and unconditionally guarantee (the
&#147;<B>Guarantee</B>&#148;) to the holders, the due and punctual payment of principal, premium (if any), and interest (including any additional amounts required to be paid in accordance with the terms and conditions of the Notes) from time to time
payable by the Issuer and when the same shall become due, whether at stated maturity, upon redemption or repayment, by acceleration or otherwise, and accordingly undertakes to pay such holder, in the manner and the currency set forth in the terms
and conditions of the Notes, any amount or amounts which the Issuer is at any time liable to pay in respect of such Notes and which the Issuer has failed to pay, including amounts that become due in advance of their stated maturity as a result of
acceleration. Any diligence, presentment, demand, protest or notice, whether in relation to the Guarantor, the Issuer, or any other person, from a holder, in respect of any of the Guarantor&#146;s obligations under the Guarantee is hereby waived.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Status</I>. The obligations of the Guarantor under its Guarantee constitute direct, unsecured and unsubordinated obligations of the
Guarantor, as applicable, and the Guarantor undertakes that its obligations hereunder will rank <I>pari passu</I> with all other present or future direct, unsecured and unsubordinated obligations of the Guarantor, including, without limitation, the
obligations of such Guarantor with respect to the Existing Notes. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Duration</I>. The Guarantor&#146;s Guarantee is a guarantee of
payment and not merely of collection and it shall continue in full force and effect by way of continuing security until Satisfaction or otherwise until all principal, premium (if any) and interest (including any additional amounts required to be
paid in accordance with the terms and conditions of the Notes) have been paid in full and all other actual or contingent obligations of the Issuer in relation to the Notes or under this Note Purchase Agreement have been satisfied in full.
Notwithstanding the foregoing, if any payment received by any holder is, on the subsequent bankruptcy or insolvency of the Issuer, avoided under any applicable laws, including, among others, laws relating to bankruptcy or insolvency, such payment
will not be considered as having discharged or diminished the liability of the Guarantor under its Guarantee and the Guarantee will continue to apply as if such payment had at all times remained owing by the Issuer. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <I>Exercise of Rights; Subrogation; Claims against the Issuer</I>. Until all principal, premium (if any) and interest and all other monies
payable by the Issuer in respect of any Notes shall be paid in full, (i)&nbsp;no right of the Guarantor, by reason of the performance of any of its obligations under its Guarantee, to be indemnified by the Issuer or to take the benefit of or enforce
any security or other guarantee or indemnity against the Issuer in connection with the Notes shall be exercised or enforced and (ii)&nbsp;the Guarantor shall not (a)&nbsp;by virtue of the Guarantee or any other reason be subrogated to any rights of
any holder or (b)&nbsp;claim in competition with the holders against the Issuer. If the Guarantor receives any benefit, payment or distribution in relation to such rights it shall hold that benefit, payment or distribution to the extent necessary to
enable all amounts which may be or become payable to the holders by the Issuer under or in connection with the Notes to be paid in full on behalf and for the benefit of the holders and shall promptly pay or transfer the same to the holders as they
may direct to the extent such amount shall be due and unpaid by the Issuer to the holders. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-50- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If a provision of this Section&nbsp;24 with respect to the Guarantee is or becomes illegal,
invalid or unenforceable in any jurisdiction, that shall not affect the validity or enforceability in that jurisdiction or in any other jurisdiction of any other provision of the Guarantee. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;25. SATISFACTION </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;25.1 Option to Effect Satisfaction. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Issuer may at any time (x)&nbsp;on or after the date irrevocable notice of prepayment pursuant to Section&nbsp;9.3 is given (which
prepayment is not subject to any conditions precedent that have not been fulfilled or waived), (y)&nbsp;when all the Notes that have been authenticated and delivered have been accepted by the Paying Agent for cancellation (other than any Notes which
shall have been mutilated, stolen or destroyed and which shall have been replaced or paid as provided in Section&nbsp;14.8) or (z)&nbsp;when all outstanding Notes have become due and payable or will become due and payable at the Maturity Date within
one year, elect that the Issuer and the Guarantor, subject to the satisfaction of the conditions set forth in Section&nbsp;25.2 hereof, be deemed to have been discharged from their obligations with respect to all outstanding Notes, the Guarantee,
this Agreement and the other Note Documents on the date the conditions set forth below are satisfied (hereinafter, &#147;<B>Satisfaction</B>&#148;). For this purpose, Satisfaction means that the Issuer and the Guarantor will be deemed to have paid
and discharged the entire Indebtedness represented by the outstanding Notes (including the Guarantee thereof), which will thereafter be deemed to be &#147;outstanding&#148; only for the purposes of Section&nbsp;25.3 hereof and the sections of this
Note Purchase Agreement referred to in clause (b)&nbsp;below, and to have satisfied all their other obligations under such Notes, the Guarantee, this Agreement and the other Note Documents (and the Collateral Agent and Paying Agent, on demand of and
at the expense of the Issuer, shall execute proper instruments acknowledging the same), except for the following provisions which will survive until otherwise terminated or discharged hereunder: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) the rights of the Noteholders to receive payments in respect of the interest on, if any, and the redemption price (including principal,
premium and all accrued and unpaid interest) with respect to such Notes when such payments are due from the Discharge Escrow; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) the
Issuer&#146;s obligations with respect to such Notes under Section&nbsp;14; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) the Issuer&#146;s obligations in Section&nbsp;16.1; and
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) this Section&nbsp;25. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;25.2. Conditions to Satisfaction. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In order to exercise Satisfaction under Section&nbsp;25.1: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) the Issuer must irrevocably deposit in the Discharge Escrow, cash in U.S. dollars, <FONT STYLE="white-space:nowrap">non-callable</FONT>
Government Securities, or a combination thereof, in such amounts as will be sufficient, without consideration of any reinvestment of interest, to pay the principal, all applicable premium and interest on, if any, and with respect to, the outstanding
Notes on the Interest Payment Date, prepayment date or when otherwise due at maturity or redemption, as applicable; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-51- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) no Default or Event of Default shall have occurred and be continuing on the date of such
deposit into the Discharge Escrow (other than a Default or Event of Default resulting from the borrowing of funds to be applied to such deposit (and any similar concurrent deposit relating to other Indebtedness), and the granting of Liens to secure
such borrowings); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) such Satisfaction will not result in a breach or violation of, or constitute a default under, any material agreement
or instrument (other than the Note Documents and the agreements governing any other Indebtedness being defeased, discharged or replaced) to which the Issuer or the Guarantor is a party or by which the Issuer or the Guarantor is bound; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) the Issuer must deliver to the Paying Agent an Officer&#146;s Certificate stating that (i)&nbsp;all conditions precedent herein relating to
the Satisfaction have been complied with and (ii)&nbsp;the deposit was not made by the Issuer with the intent of preferring the Noteholders over the other creditors of the Issuers or with the intent of defeating, hindering, delaying or defrauding
any creditors of the Issuer or others. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;25.3 Deposited Money and Government Securities to be Held in Trust; Other
Miscellaneous Provisions. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All money and <FONT STYLE="white-space:nowrap">non-callable</FONT> Government Securities (including the
proceeds thereof) deposited in the Discharge Escrow pursuant to Section&nbsp;25.3 in respect of the outstanding Notes will be held in the Discharge Escrow and applied by the Escrow Agent, in accordance with the provisions of such Notes and this
Agreement, to the payment, either directly or through any paying agent as the Escrow Agent may determine, to the Noteholders of all sums due and to become due thereon in respect of the interest on, if any, and the redemption price with respect to,
the outstanding Notes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;25.4. Reinstatement. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the Escrow Agent or paying agent is unable to apply any U.S. dollars or <FONT STYLE="white-space:nowrap">non-callable</FONT> Government
Securities in accordance with Section&nbsp;25.3, by reason of any legal proceeding or by reason of any order or judgment of any court or governmental authority enjoining, restraining or otherwise prohibiting such application, then the Issuer&#146;s
and the Guarantor&#146;s obligations under this Agreement, the Collateral Agreement and the Notes and the Guarantor&#146;s Guarantee of the Notes will be revived and reinstated as though no deposit had occurred pursuant to Section&nbsp;25.2 until
such time as the Escrow Agent or paying agent is permitted to apply all such money in accordance with Section&nbsp;25.3; <I>provided</I>, <I>however</I>, that, if the Issuer makes any payment of interest on or the redemption price with respect to
any Note following the reinstatement of its obligations, the Issuer will be subrogated to the rights of the Noteholders to receive such payment from the money held by the Escrow Agent. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SECTION&nbsp;26. TERMINATION. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The
obligations of the Purchasers under this Agreement to purchase the Notes hereunder may be terminated by notice to the Issuer from the Purchasers, without liability on the part of the Purchasers, if the Purchasers shall decline to purchase the Notes
for any reason permitted by this Agreement, including that the conditions to such Purchaser&#146;s obligation to purchase such Notes in Section&nbsp;5 have not been fulfilled on the Closing Date (other than as a result of breach of this Agreement by
such Purchaser) and the Closing Date has not occurred prior to February&nbsp;6, 2024. In connection with any such termination pursuant to this Section&nbsp;26 the Issuer shall be obligated to reimburse the expenses of the Purchasers pursuant to
Section&nbsp;16 hereof. The provisions of Sections 16.1, Section&nbsp;17, Section&nbsp;19, Section&nbsp;21 and Section&nbsp;22 shall at all times be effective and shall survive such termination. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">*&nbsp;*&nbsp;*&nbsp;*&nbsp;* </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-52- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If you are in agreement with the foregoing, please sign the form of agreement on a
counterpart of this Agreement and return it to the Transaction Entities, whereupon this Agreement shall become a binding agreement between you and the Transaction Entities. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Very truly yours,</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8195;&#8195;&#8195;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Name:</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Title:</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8195;&#8195;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Name:</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Title:</P></TD></TR>
</TABLE></DIV>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This Agreement is hereby </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">accepted and agreed to as </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">of the date hereof </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>PURCHASER</U>:</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">[&#149;]</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8195;&#8195;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name:</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Title:</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>Address of Purchaser</U>:</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">[&#149;]</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>Email Address(es) of Purchaser for Notices</U>:</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">[&#149;]</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>Principal Amount of Purchased Notes</U>: $[&#149;]</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>CUSIP of Purchased Notes</U>:</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">[QIB CUSIP: 92259R AC9 / ISIN: US92259RAC97]</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">[Accredited Investor
CUSIP: 92259R AD7 / ISIN: US92259RAD70]</P></TD></TR></TABLE></DIV>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">

<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">N<SMALL>OTE</SMALL> P<SMALL>URCHASE</SMALL> A<SMALL>GREEMENT</SMALL></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This Agreement is hereby </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">accepted and agreed to with respect to </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Sections 16.1, 18.1, 19,
21 and 23 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">of this Agreement as of the date hereof </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, as Collateral Agent</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8195;&#8195;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name:</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title:</TD></TR>
</TABLE></DIV>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">Schedule A </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>D<SMALL>EFINED</SMALL> T<SMALL>ERMS</SMALL> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As used herein, the following terms have the respective meanings set forth below or set forth in the Section hereof following such term: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Additional Notes</B>&#148; is defined in Section&nbsp;2.1. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Adjusted Interest Rate</B>&#148; is defined in Section&nbsp;2.2. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Affiliate</B>&#148; means, with respect to any Person, any other Person which, directly or indirectly through one or more
intermediaries, Controls, is Controlled by, or is under common Control with, such Person. For purposes of this definition, &#147;<B>Control</B>&#148; (together with the correlative meanings of &#147;<B>Controlled by</B>&#148; and &#147;<B>under
common Control with</B>&#148;) means possession, directly or indirectly, of the power to direct or cause the direction of the management or policies of such Person, whether through the ownership of voting securities or other beneficial interests, by
contract, or otherwise. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Agreement</B>&#148; means this Note Purchase Agreement, including all Schedules attached to this
Agreement, as amended, modified or restated from time to time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Anti-Corruption Laws</B>&#148; means any law or regulation in a
U.S. or any <FONT STYLE="white-space:nowrap">non-U.S.</FONT> jurisdiction regarding bribery or any other corrupt activity, including the U.S. Foreign Corrupt Practices Act and the U.K. Bribery Act 2010. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Anti-Money Laundering Laws</B>&#148; means any law or regulation in a U.S. or any <FONT STYLE="white-space:nowrap">non-U.S.</FONT>
jurisdiction regarding money laundering, drug trafficking, terrorist-related activities or other money laundering predicate crimes, including the Currency and Foreign Transactions Reporting Act of 1970 (otherwise known as the Bank Secrecy Act) and
the USA PATRIOT Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Blocked Person</B>&#148; means (a)&nbsp;a Person whose name appears on the list of Specially Designated
Nationals and Blocked Persons published by OFAC, (b)&nbsp;a Person, entity, organization, country or regime that is blocked or a target of sanctions that have been imposed under U.S. Economic Sanctions Laws or (c)&nbsp;a Person that is an agent,
department or instrumentality of, or is otherwise beneficially owned by, controlled by or acting on behalf of, directly or indirectly, any Person, entity, organization, country or regime described in clause (a)&nbsp;or (b). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Business Day</B>&#148; means any day other than a Saturday, a Sunday or a day on which commercial banks in New York, New York, are
required or authorized to be closed. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Capital Lease Obligations</B>&#148; of any Person means the obligations of such Person to
pay rent or other amounts under any lease of (or other arrangement conveying the right to use) real or personal property, or a combination thereof, which obligations are required to be classified and accounted for as capital leases on a balance
sheet of such Person under GAAP, and the amount of such obligations shall be the capitalized amount thereof determined in accordance with GAAP. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>cash</B>&#148; means any immediately available funds in Dollars. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> A
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Cash Equivalents</B>&#148; means (a)&nbsp;marketable direct obligations issued or
unconditionally guaranteed by the United States or issued by any agency thereof and backed by the full faith and credit of the United States, in each case maturing within 1 year from the date of acquisition thereof, (b)&nbsp;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 1 year from the date of acquisition thereof and, at the time of acquisition, having one of the
two highest ratings obtainable from either S&amp;P or Moody&#146;s, (c)&nbsp;commercial paper maturing no more than 270 days from the date of creation thereof and, at the time of acquisition, having a rating of at least <FONT
STYLE="white-space:nowrap">A-1</FONT> from S&amp;P or at least <FONT STYLE="white-space:nowrap">P-1</FONT> from Moody&#146;s, (d)&nbsp;certificates of deposit or bankers&#146; acceptances maturing within 1 year from the date of acquisition thereof
issued by any bank organized under the laws of the United States or any state thereof having at the date of acquisition thereof combined capital and surplus of not less than $250,000,000, (e) demand deposit accounts maintained with any bank
organized under the laws of the United States or any state thereof so long as the amount maintained with any individual bank is less than or equal to $250,000 and is insured by the Federal Deposit Insurance Corporation, and (f)&nbsp;investments in
money market funds or mutual funds substantially all of whose assets are invested in the types of assets described in clauses (a)&nbsp;through (e) above. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Change of Control</B>&#148; is defined in Section&nbsp;9.8. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Change of Control Purchase Date</B>&#148; is defined in Section&nbsp;9.8. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Change of Control Purchase Price</B>&#148; is defined in Section&nbsp;9.8. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Closing</B>&#148; is defined in Section&nbsp;4. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Closing Date</B>&#148; is defined in Section&nbsp;4. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Code</B>&#148; means the Internal Revenue Code of 1986 as amended. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Collateral</B>&#148; has the meaning assigned to such term in the Collateral Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Collateral Agent</B>&#148; means U.S. Bank Trust Company, National Association or, as applicable, its duly appointed successor as
Collateral Agent. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Collateral Agreement</B>&#148; means a security agreement substantially in the form of
<U>Exhibit</U><U></U><U>&nbsp;A</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Collateral Documents</B>&#148; means, collectively, the Intercreditor Agreement, the
Collateral Agreement, and each of the other agreements, instruments or documents that creates or purports to create a Lien or secure in favor of the holders of the Notes or the Collateral Agent including those executed and delivered under the
Collateral Agreement (without limitation, Copyright Short Form Security Agreement, Trademark Short Form Security Agreement, Patent Short Form Security Agreement, Mortgages, Absolute Assignments, Custodial Agreements, Control Agreements, in each case
to the extent applicable). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Collateral Value</B>&#148; means the value of the Collateral on which the Collateral Agent, for the
benefit of itself and the Noteholders, has a valid, perfected, first-priority Lien<I> </I>as reflected in the books and records of the Issuer and its subsidiaries in accordance with GAAP (without, for the avoidance of doubt, any duplication as
between the value of any assets held by, and any equity interest in, any particular Subsidiary). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Competitor</B>&#148; means
(a)&nbsp;any Person who is not an Affiliate of a Transaction Entity or any of its subsidiaries and a substantial part of whose business is (or a substantial part of the business of any Affiliate of which is) in the same or similar business as a
material business of the Transaction Entities or any of their subsidiaries or (b)&nbsp;any Affiliate of any of the foregoing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Confidential Information</B>&#148; is defined in Section&nbsp;21. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> A
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Consolidated Net Income</B>&#148; means, for any period, the aggregate of the net
income (loss) of such Issuer and its consolidated subsidiaries, determined in accordance with GAAP for such period on a consolidated basis; <I>provided</I>, <I>however</I>, that, without duplication, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;(x) any net <FONT STYLE="white-space:nowrap">after-tax</FONT> write-offs or extraordinary, unusual or nonrecurring
gains or losses and any net <FONT STYLE="white-space:nowrap">after-tax</FONT> gains or losses (in each case less all fees and expenses related thereto), in each case, that (i)&nbsp;are in respect of purchases of all remaining outstanding
asset-backed securities of any Securitization Issuer Entity consistent with the terms of the related Permitted Securitization Indebtedness, (ii)&nbsp;constitute <FONT STYLE="white-space:nowrap">non-cash</FONT> gains or losses and (iii)&nbsp;are in
respect of fees and expenses that were paid in cash in a prior period or (y)&nbsp;any other net <FONT STYLE="white-space:nowrap">after-tax</FONT> write-offs or extraordinary, unusual or nonrecurring income or expenses or charges (including, without
limitation, any pension expense, casualty losses, severance expenses, facility closure expenses, system establishment costs, relocation expenses and other restructuring expenses, benefit plan curtailment expenses, bankruptcy reorganization claims,
settlement and related expenses and fees, expenses or charges related to any offering of Equity Interests of the Guarantor, the Issuer or any of their subsidiaries, any Investment, acquisition or Indebtedness not prohibited by this Agreement (in
each case, whether or not successful), including all fees, expenses, charges and change of control payments related to the issuance of the Notes), in each case, shall be excluded, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) any net <FONT STYLE="white-space:nowrap">after-tax</FONT> income or loss from discontinued operations and any net <FONT
STYLE="white-space:nowrap">after-tax</FONT> gain or loss on disposal of discontinued operations shall be excluded (but if such operations are classified as discontinued due to the fact that they are subject to an agreement to dispose of such
operations, only when and to the extent such operations are actually disposed of), </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) any net <FONT
STYLE="white-space:nowrap">after-tax</FONT> gain or loss (including the effect of all fees and expenses or charges relating thereto) attributable to business dispositions or asset dispositions other than in the ordinary course of business (as
determined in good faith by the Board of Directors of the Issuer) shall be excluded, </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) any net <FONT
STYLE="white-space:nowrap">after-tax</FONT> income or loss (including the effect of all fees and expenses or charges relating thereto and deferred financing costs written off and premiums paid) attributable to the refinancing, modification of or
early extinguishment of Indebtedness (including obligations under Hedging Agreements) and any <FONT STYLE="white-space:nowrap">non-cash</FONT> gains and losses attributable to movement in the <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">mark-to-market</FONT></FONT> valuation of rights and obligations under Hedging Agreements pursuant to Financial Accounting Standards Board Statement No.&nbsp;133 shall be excluded, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;(x) the net income (loss) for such period of any Person that is accounted for by the equity method of accounting shall
be included in Consolidated Net Income only to the extent of the amount of dividends or distributions or other payments paid in cash (or to the extent converted into cash) to the Issuer or a subsidiary thereof in respect of such period and
(y)&nbsp;the Consolidated Net Income for such period shall include any dividend, distribution or other payment in respect of equity paid in cash by such Person in excess of the amounts included in clause (x), </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) the net income for such period of any subsidiary (that is not a Warehouse Facility Entity or a Securitization Entity) of
the Issuer shall be excluded to the extent that the declaration or payment of dividends or similar distributions by such subsidiary of its net income is not at the date of determination permitted without any prior governmental approval (which has
not been obtained) or, directly or indirectly, by the operation of the terms of its charter or any agreement, instrument, judgment, decree, order, statute, rule, or governmental regulation applicable to that subsidiary or its stockholders or
members, unless such restriction with respect to the payment of dividends or similar distributions has been legally waived (provided that the net loss of any such subsidiary shall be included to the extent funds are disbursed by such Person or any
other subsidiary of such Person in respect of such loss and that Consolidated Net Income of such Person shall be increased by the amount of dividends or distributions or other payments that are actually paid in cash (or to the extent converted into
cash) by such subsidiary to the Issuer or one of its subsidiaries in respect of such period to the extent not already included therein), </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> A
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) Consolidated Net Income for such period shall not include the cumulative
effect of a change in accounting principles during such period, </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) any <FONT STYLE="white-space:nowrap">non-cash</FONT>
charges from the application of the purchase method of accounting in connection with any future acquisition, to the extent such charges are deducted in computing such Consolidated Net Income shall be excluded, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) any <FONT STYLE="white-space:nowrap">non-cash</FONT> expenses, any gains or losses on interest rate and foreign currency
derivatives and any foreign currency transaction gains or losses shall be excluded; provided, that there shall not be excluded pursuant to this clause (i)&nbsp;(A) any <FONT STYLE="white-space:nowrap">non-cash</FONT> expense to the extent it
represents an accrual of or a reserve for cash expenditures in any future period or amortization of a prepaid cash item that was paid in a prior period and (B)&nbsp;any <FONT STYLE="white-space:nowrap">non-cash</FONT> expense that results from the
write-down or <FONT STYLE="white-space:nowrap">write-off</FONT> of assets or the impairment of property, plant, equipment, goodwill, intangibles or other long-lived assets, and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) any long-term incentive plan accruals and any <FONT STYLE="white-space:nowrap">non-cash</FONT> compensation expense
realized from grants of stock appreciation or similar rights, stock options, any restricted stock plan or other rights to officers, directors and employees of the Guarantor, the Issuer or any of their subsidiaries shall be excluded. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Corporate Trust Office</B>&#148; means the office of the Paying Agent at which at any particular time such Person&#146;s corporate
trust business shall be principally administered, which office at the date of the execution of this Agreement is located at the address specified in Section&nbsp;14 of this Agreement, or such other address as the Paying Agent may designate from time
to time by notice to the Issuer, or the principal corporate trust office of any successor Paying Agent (or such other address as such successor Paying Agent may designate from time to time by notice to the Issuer in accordance with this Agreement).
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Default</B>&#148; means an event or condition the occurrence or existence of which would, with the lapse of time or the giving
of notice or both, become an Event of Default. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Default Rate</B>&#148; means 2% per annum above the rate of interest on the Notes
then in effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Discharge Escrow</B>&#148; mean any escrow account which may be established for the benefit of the Noteholders
and the Collateral Agent, pursuant to an escrow agreement with customary terms between the Issuer and the Paying Agent or another entity reasonably satisfactory to the Paying Agent as escrow agent (the &#147;<B>Escrow Agent</B>&#148;), into which
cash in U.S. Dollars or <FONT STYLE="white-space:nowrap">non-callable</FONT> Government Securities are deposited by or on behalf of the Issuer in an amount sufficient to satisfy the obligations and conditions set forth in Section&nbsp;25.1, for the
purpose of satisfying the Issuer&#146;s obligations under Section&nbsp;25 in the event of a Satisfaction election. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Dollars</B>&#148; or &#147;<B>$</B>&#148; refers to lawful money of the United States of America. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>DTC</B>&#148; is defined in Section&nbsp;14.1. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> A
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Egan-Jones</B>&#148; means Egan-Jones Ratings Company, a nationally recognized
statistical rating organization. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Equity Interests</B>&#148; means shares of capital stock, partnership interests, membership
interests in a limited liability company, beneficial interests in a trust or other equity ownership interests or equivalents (however designated, including any instrument treated as equity for U.S. federal income tax purposes) in a Person, and any
warrants, options or other rights entitling the holder thereof to purchase or acquire any such equity interest. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Event of
Default</B>&#148; is defined in Section&nbsp;12. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Exchange Act</B>&#148; means the Securities Exchange Act of 1934, as amended,
and the rules and regulations promulgated thereunder from time to time in effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Excluded Account</B>&#148; has the meaning
assigned to such term in the Collateral Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Existing Instrument</B>&#148; is defined in Section&nbsp;6.9(f). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Existing Notes</B>&#148; means the Issuer&#146;s 7.125% Senior Secured Notes due March&nbsp;15, 2027. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Expiration Date</B>&#148; is defined in Section&nbsp;9.8. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>FATCA</B>&#148; means (a)&nbsp;sections 1471 through 1474 of the Code, as of the date of this Agreement (or any amended or successor
version that is substantively comparable and not materially more onerous to comply with), together with any current or future regulations or official interpretations thereof, (b)&nbsp;any treaty, law or regulation of any other jurisdiction, or
relating to an intergovernmental agreement between the United States of America and any other jurisdiction, which (in either case) facilitates the implementation of the foregoing clause (a), and (c)&nbsp;any agreements entered into pursuant to
section 1471(b)(1) of the Code. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>GAAP</B>&#148; means generally accepted accounting principles as in effect from time to time in
the United States of America. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Government Securities</B>&#148; means direct obligations of, or obligations guaranteed by, the
United States of America, and the payment for which the United States pledges its full faith and credit. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Governmental
Authority</B>&#148; means the government of the United States of America, or any entity exercising executive, legislative, judicial, regulatory or administrative functions of, or pertaining to, any such government. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>guarantee</B>&#148; of or by any Person (the &#147;<B>guarantor</B>&#148;) means any obligation, contingent or otherwise, of the
guarantor guaranteeing or having the economic effect of guaranteeing any Indebtedness or other obligation of any other Person (the &#147;<B>primary obligor</B>&#148;) in any manner, whether directly or indirectly, and including any obligation of the
guarantor, direct or indirect, </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) to purchase or pay (or advance or supply funds for the purchase or payment of) such
Indebtedness or other obligation or to purchase (or to advance or supply funds for the purchase of) any security for the payment thereof, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) to purchase or lease property securities or services for the purpose of assuring the owner of such Indebtedness or other
obligation of the payment thereof, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> A
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) to maintain working capital, equity capital or any other financial
statement condition or liquidity of the primary obligor so as to enable the primary obligor to pay such Indebtedness or other obligation or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) as an account party in respect of any letter of credit or letter of guaranty issued to support such Indebtedness or
obligation; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>provided</I> that the term guarantee shall not include (i)&nbsp;endorsements for collection or deposit in the ordinary course of business
or (ii)&nbsp;customary indemnification agreements entered into in the ordinary course of business, provided that such indemnification obligations are unsecured, such Person has determined that any liability thereunder is remote and such
indemnification obligations are not the functional equivalent of the guaranty of a payment obligation of the primary obligor. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Guarantee</B>&#148; has the meaning set forth in Section&nbsp;24(a). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Guarantor</B>&#148; is defined in the first paragraph of this Note Purchase Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Hedging Agreement</B>&#148; means any interest rate protection agreement, foreign currency exchange protection agreement, commodity
price protection agreement or other interest or currency exchange rate or commodity price hedging arrangement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>holder</B>&#148;
or &#147;<B>Noteholder</B>&#148; means, with respect to any Note, the Person in whose name such Note is registered in the Note Register maintained by the Paying Agent pursuant to Section&nbsp;14.5; <I>provided</I>, <I>however</I>, that if such
Person is a nominee, then for the purposes of Sections 8, 13, 14.5(b), 18.2 and 19 and any related definitions in this Schedule A, &#147;holder&#148; shall mean the beneficial owner of such Note. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Indebtedness</B>&#148; of any Person means, without duplication, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) all obligations of such Person for borrowed money or with respect to deposits or advances of any kind, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) all obligations of such Person evidenced by bonds, debentures, notes or similar instruments, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) all obligations of such Person under conditional sale or other title retention agreements relating to property acquired by
such Person, </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) all obligations of such Person in respect of the deferred purchase price of property or services
(excluding accounts payable and accrued expenses incurred in the ordinary course of business), </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) all Indebtedness of
others secured by any Lien on property owned or acquired by such Person, whether or not the Indebtedness secured thereby has been assumed (with the value of such debt being the lower of the outstanding amount of such debt and the fair market value
of the property subject to such Lien), </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) all guarantees by such Person of Indebtedness of others, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) all Capital Lease Obligations of such Person, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> A
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) all obligations, contingent or otherwise, of such Person as an account
party in respect of letters of credit and letters of guaranty, </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) all obligations, contingent or otherwise, of such
Person in respect of bankers&#146; acceptances, and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) all payment obligations under repurchase agreements, single seller
financing facilities, warehouse facilities and other lines of credit. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">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 liable therefor as a result of such Person&#146;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, &#147;Indebtedness&#148; shall not include (x)&nbsp;purchase price holdbacks arising in the ordinary course of business in respect of a portion of the
purchase price of an asset or Investment to satisfy unperformed obligations of the seller of such asset or Investment or (y)&nbsp;a commitment arising in the ordinary course of business to make a future Investment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Initial Notes</B>&#148; is defined in Section&nbsp;2.1. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Intercreditor Agreement</B>&#148; means an intercreditor agreement substantially in the form of Exhibit B. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Interest Payment Date</B>&#148; means each May&nbsp;15 and November&nbsp;15, beginning with May&nbsp;15, 2024. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Interest Period</B>&#148; means the period from the most recent Interest Payment Date (or, if no Interest Payment Date has yet
occurred, from the Closing Date) to, but excluding, the next succeeding Interest Payment Date (or, if applicable, redemption date or Maturity Date). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Investment</B>&#148; means, for any Person: (a)&nbsp;Equity Interests, bonds, notes, debentures or other securities of any other
Person or any agreement to acquire any Equity Interests, bonds, notes, debentures or other securities of any other Person (and any rights or proceeds in respect of (x)&nbsp;any &#147;short sale&#148; of securities or (y)&nbsp;any sale of any
securities at a time when such securities are not owned by such Person); (b) deposits, advances, loans or other extensions of credit made to any other Person (including purchases of property from another Person subject to an understanding or
agreement, contingent or otherwise, to resell such property to such Person); or (c)&nbsp;Hedging Agreements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Investment Company
Act</B>&#148; means the Investment Company Act of 1940, as amended from time to time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Investment Grade</B>&#148; means a rating
of at least <FONT STYLE="white-space:nowrap">&#147;BBB-&#148;</FONT> or higher by Egan-Jones or its equivalent by any other NRSRO without giving effect to any credit watch. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Issuer</B>&#148; is defined in the first paragraph of this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Judgment Default Threshold</B>&#148; means $10,000,000. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Key Personnel</B>&#148; means the chief executive officer, the chief financial officer, the chief legal officer and general counsel,
any executive vice president, the corporate treasurer, and the chief accounting officer of either Transaction Entity. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> A
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>knowledge of the Transaction Entities</B>&#148; shall mean the actual or
constructive knowledge of any of the Key Personnel, after due inquiry. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>LCA Election</B>&#148; means the Issuer&#146;s election
to treat a specified acquisition or similar Investment not prohibited under this Agreement, as a Limited Condition Acquisition. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>LCA Test Date</B>&#148; has the meaning specified in Section&nbsp;22.5. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Lien</B>&#148; means, with respect to any asset, any mortgage, deed of trust, lien (statutory or otherwise), pledge, hypothecation,
encumbrance, assignment, deposit arrangement, charge, preference, priority or other security interest of any kind or nature whatsoever (including any conditional sale or other title retention agreement, any easement, right of way or other
encumbrance on title to real property, and any Capital Lease Obligations having substantially the same economic effect as any of the foregoing) in, on or of such asset. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Limited Condition Acquisition</B>&#148; means any acquisition or similar Investment by any Transaction Entity not prohibited under
this Agreement whose consummation is not conditioned on the availability of, or on obtaining, third party financing. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Make-Whole
Amount</B>&#148; is defined in Section&nbsp;9.2. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Make-Whole Amount Calculation Date</B>&#148; is defined in Section&nbsp;9.2.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Make-Whole Payment Date</B>&#148; is defined in Section&nbsp;9.2. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Material Adverse Effect</B>&#148; means a material adverse effect on (a)&nbsp;the business, assets, liabilities and financial
condition, assets or properties of the Transaction Entities and their subsidiaries taken as a whole or (b)&nbsp;the validity or enforceability of this Agreement, the securities or the rights and remedies of the holders of the Notes. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Material Real Property</B>&#148; has the meaning assigned to such term in the Collateral Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Maturity Date</B>&#148; means February&nbsp;15, 2029. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Mortgage Loan</B>&#148; means all rights to payment of Indebtedness and obligations (including without limitation, unpaid principal,
accrued interest, costs, fees, expenses and indemnity obligations) owing by an Underlying Obligor in respect of a commercial loan or loans or other financial accommodations payable to a Transaction Entity, whether evidenced by a single Mortgage Note
or multiple Mortgage Notes (each evidencing a portion of the aggregate amount of such Mortgage Loan), secured by an Underlying Mortgage or Underlying Mortgages encumbering Underlying Mortgaged Property or otherwise. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Mortgage Note</B>&#148; means each promissory note, consolidated promissory note, or amended and restated promissory note executed by
an Underlying Obligor in connection with a Mortgage Loan and payable to a Transaction Entity, as the same may be modified, amended or restated from time to time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Net Asset Value</B>&#148; means, as of the date of determination, the total value of the assets less the total value of the
liabilities shown on the Issuer&#146;s consolidated balance sheet as of such date, as calculated and determined in accordance with GAAP. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> A
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Net Cash Proceeds</B>&#148; means, with respect to any sale of Equity Interests by
the Issuer or contribution to the capital of the Issuer, the aggregate amount of all cash received by the Issuer in respect of such sale of Equity Interests or capital contribution net of any placement agent, finders&#146; or other similar fees,
legal fees, accountants&#146; fees, discounts and commissions and other customary fees and expenses actually incurred by the Issuer in connection with such sale of Equity Interests or capital contribution. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Net Equity Capital Activity</B>&#148; means the aggregate Net Cash Proceeds from the sale by the Issuer of its Equity Interests to
Persons other than a Transaction Entity or their respective subsidiaries at any time after the date of this Agreement or from a contribution to the capital of the Issuer at any time after the date of this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Net <FONT STYLE="white-space:nowrap">Non-Securitization</FONT> Debt to Equity Ratio</B>&#148; means as of any date of determination,
the ratio of (a)&nbsp;the amount of (x)&nbsp;the aggregate principal amount of <FONT STYLE="white-space:nowrap">Non-Securitization</FONT> Debt of the Issuer and its consolidated subsidiaries (including under the Notes) as of such date <I>less</I>
(y)&nbsp;all cash and Cash Equivalents of the Issuer and its consolidated subsidiaries to the extent subject to an account control agreement in favor of the Collateral Agent, to (b)&nbsp;Stockholders&#146; Equity at the last day of the immediately
preceding fiscal quarter of the Issuer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B><FONT STYLE="white-space:nowrap">Non-Securitization</FONT> Debt</B>&#148;<B> </B>means
Indebtedness of the Issuer and its consolidated subsidiaries other than Securitization Indebtedness that is reflected on the Issuer&#146;s consolidated balance sheet that does not constitute an obligation of the Transaction Entities or any of their
consolidated subsidiaries (other than the applicable Securitization Issuer Entity). For the avoidance of doubt, <FONT STYLE="white-space:nowrap">non-securitization</FONT> debt includes all recourse and
<FONT STYLE="white-space:nowrap">non-recourse</FONT> warehouse lines of credit of the Issuer and its consolidated subsidiaries, including but not limited to the Permitted Warehouse Indebtedness. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B><FONT STYLE="white-space:nowrap">Non-Securitization</FONT> Debt Service</B>&#148; means, for the applicable Testing Period, the sum
of: (a)&nbsp;the interest paid in cash or required to be paid in cash by the Issuer and its subsidiaries, on a consolidated basis, for such Testing Period with respect to all <FONT STYLE="white-space:nowrap">Non-Securitization</FONT> Debt, in each
case determined in accordance with GAAP, <I>plus</I> (b)&nbsp;other than with respect to Permitted Warehouse Indebtedness, regularly scheduled principal amortization payments made or required to be made on account of
<FONT STYLE="white-space:nowrap">Non-Securitization</FONT> Debt for the applicable Testing Period (exclusive of <FONT STYLE="white-space:nowrap">pay-offs</FONT> or <FONT STYLE="white-space:nowrap">pay-downs</FONT> on account of such <FONT
STYLE="white-space:nowrap">Non-Securitization</FONT> Debt), in each case determined in accordance with GAAP. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B><FONT
STYLE="white-space:nowrap">Non-Securitization</FONT> Senior Debt Service Coverage Ratio</B>&#148; means, with respect to the Transaction Entities, at any date of determination, the ratio of <FONT STYLE="white-space:nowrap">(a)&nbsp;Pre-Tax</FONT>
Income <I>plus </I>(solely to the extent deducted in calculating <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Income) <FONT STYLE="white-space:nowrap">Non-Securitization</FONT> Debt Service to
<FONT STYLE="white-space:nowrap">(b)&nbsp;Non-Securitization</FONT> Debt Service, in each case for the Testing Period. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Note
Documents</B>&#148; means (a)&nbsp;the Note Purchase Agreements, (b)&nbsp;the Notes, (c)&nbsp;the Collateral Documents and (d)&nbsp;each other document or instrument now or hereafter executed and delivered by a Transaction Entity in connection with,
pursuant to or relating to this Agreement, in each case, as amended, modified or restated from time to time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Note Purchase
Agreements</B>&#148; is defined in the first paragraph of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Note Register&#148;</B> is defined in
Section&nbsp;14.5. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Noteholder</B>&#148; has the meaning assigned to such term in the definition of &#147;holder&#148;. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Notes</B>&#148; is defined in Section&nbsp;2.1. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> A
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>NRSRO</B>&#148; means a Nationally Recognized Statistical Rating Organization as
defined pursuant to Section&nbsp;3(a)(62) of the Exchange Act, including but not limited to Egan-Jones, in each case, whose ratings for senior indebtedness of issuers similar to the Issuer are authorized for use with, and recognized by, the
Securities Valuation Office of the National Association of Insurance Commissioners (the &#147;<B>SVO</B>&#148;) and which rating shall (a)&nbsp;specifically describe the Notes, including their interest rate, maturity and Private Placement Number and
(b)&nbsp;in the event such Rating is a &#147;private letter rating&#148; (i) address the likelihood of payment of both the principal and interest of such Notes (which requirement shall be deemed satisfied if the rating is silent as to the likelihood
of payment of both principal and interest and does not otherwise include any indication to the contrary), (ii) not include any prohibition against sharing such evidence with the SVO or any other regulatory authority having jurisdiction over the
holders of the Notes, and (iii)&nbsp;include such other information describing the relevant terms of the Notes as may be required from time to time by the SVO or any other regulatory authority having jurisdiction over the holders of the Notes. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>OFAC</B>&#148; means the Office of Foreign Assets Control of the United States Department of the Treasury. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>OFAC Sanctions Program</B>&#148; means any economic or trade sanction that OFAC is responsible for administering and enforcing. A
list of OFAC Sanctions Programs may be found at <U>http://www.treasury.gov/resource-center/sanctions/Programs/Pages/Programs.aspx</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Offer to Purchase</B>&#148; is defined in Section&nbsp;9.8. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Officer&#146;s Certificate</B>&#148; means a certificate of a Senior Financial Officer or of any other officer of the Transaction
Entities whose responsibilities extend to the subject matter of such certificate. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Optional Prepayment Date</B>&#148; means the
date specified in the Issuer&#146;s notice of optional prepayment for a prepayment of Notes pursuant to Section&nbsp;9.2. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Parent
Entity</B>&#148; means any direct or indirect parent of the Issuer that is a holding company with no material assets or operations other than holding (either directly or indirectly through one or more other Parent Entities) Equity Interests of the
Issuer (excluding, for avoidance of doubt, any investment vehicle of the Sponsor or PIMCO). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Pari Passu Notes</B>&#148; means
senior notes, together with any guarantees thereon, incurred from time to time by the Transaction Entities that have been issued or are issuable by the Transaction Entities, secured by the Collateral and ranking pari passu in right of payment to the
Transaction Entities&#146; existing and future senior Indebtedness, including, without limitation, the Existing Notes; <I>provided</I> that, the Transaction Entities may only incur Pari Passu Notes if, both immediately before and on a pro forma
basis, after giving effect to the issuance and sale of any such Pari Passu Notes and intended use of proceeds therefrom, (a)&nbsp;no Default or Event of Default has occurred and is continuing (subject to customary &#147;SunGard&#148; or
&#147;certain funds&#148; limitations to the extent the proceeds of any Pari Passu Notes are being used to finance a Limited Condition Acquisition), (b) the Issuer is in compliance with Section&nbsp;11.3 of this Note Purchase Agreement (including,
for the avoidance of doubt, any concurrent addition of Collateral) and (c)&nbsp;the Issuer reaffirms the rating for the Notes with one or more NRSROs. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Paying Agent</B>&#148; means UMB Bank, National Association or, as applicable, its duly appointed successor as Paying Agent. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> A
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Permitted Holders</B>&#148; means (i)&nbsp;each of the Sponsor, PIMCO and any group
(within the meaning of Section&nbsp;13(d)(3) of the Exchange Act or any successor provision) of which any of the foregoing are members; <I>provided</I> that, in the case of such group and without giving effect to the existence of such group or any
other group, the Sponsor and PIMCO, collectively, have beneficial ownership of more than 50% of the total voting power of the Equity Interests of the Guarantor and (ii)&nbsp;any Parent Entity that is formed not in connection with, or in
contemplation of, a transaction that (but for the application to such Person of this clause (ii)) would constitute a Change of Control, if the holders of the common stock of such Parent Entity immediately after it becomes a Parent Entity are
substantially the same as the holders of the common stock of the Guarantor (or, as applicable, any other Parent Entity that previously became such pursuant to this clause (ii)) immediately before such transaction. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Permitted Liens</B>&#148; means: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Liens existing on the Closing Date and set forth on Schedule 11.2 and Liens in connection with a refinancing of
Indebtedness secured by such property or assets arising after the Closing Date on any property or asset that substitutes or replaces the property or asset that is the subject of such Liens; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) any Lien created under the Note Documents or permitted in respect of any Material Real Property mortgaged in favor of the
Collateral Agent by the terms of such mortgage; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) any Lien in favor of a collateral agent for the benefit of the holders
of Pari Passu Notes, including, without limitation, the Existing Notes, or permitted in respect of any Material Real Property mortgaged in favor of such collateral agent by the terms of such mortgage; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) any Lien securing Indebtedness of a subsidiary of the Issuer acquired after the Closing Date or a Person merged into or
consolidated with the Issuer or subsidiary thereof after the Closing Date and Indebtedness assumed in connection with the acquisition of assets, which Indebtedness, in each case, exists at the time of such acquisition, merger or consolidation and is
not created in contemplation of such event, or any refinancing of such Indebtedness, provided, that (i)&nbsp;such Lien does not apply to any other property or assets of the Issuer or subsidiary(ies) thereof not securing such Indebtedness at the date
of the acquisition of such property or asset (other than after-acquired property subjected to a Lien securing Indebtedness and other obligations incurred prior to such date and which Indebtedness and other obligations are permitted hereunder that
require a pledge of after-acquired property, it being understood that such requirement shall not be permitted to apply to any property to which such requirement would not have applied but for such acquisition) and (ii)&nbsp;such Lien is not created
in contemplation of or in connection with such acquisition; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) Liens for taxes, assessments or other governmental charges
or levies not yet delinquent or that are being contested in compliance with Section&nbsp;10.3; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) Liens imposed by law
(including, without limitation, Liens in favor of customers for equipment under order or in respect of advances paid in connection therewith but excluding any Lien imposed by ERISA) such as landlord&#146;s, carriers&#146;, warehousemen&#146;s,
mechanics&#146;, materialmen&#146;s, repairmen&#146;s, construction or other like Liens arising in the ordinary course of business and securing obligations that are not overdue by more than 60 days or that are being contested in good faith by
appropriate proceedings and in respect of which, if applicable, the applicable Transaction Entity shall have set aside on its books reserves in accordance with GAAP; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> A
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;(i) pledges and deposits made in the ordinary course of business in
compliance with the Federal Employers Liability Act or any other workers&#146; compensation, unemployment insurance and other social security laws or regulations under U.S. or foreign law and deposits securing liability to insurance carriers under
insurance or self-insurance arrangements in respect of such obligations and (ii)&nbsp;pledges and deposits securing liability for reimbursement or indemnification obligations of (including obligations in respect of letters of credit or bank
guarantees for the benefit of) insurance carriers providing property, casualty or liability insurance to the Issuer or any subsidiary thereof; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) deposits or Liens to secure the performance of bids, trade contracts (other than for Indebtedness), leases (other than
Capital Lease Obligations), statutory obligations, surety and appeal bonds, performance and return of money bonds, warranty bonds, bids, leases, trade contracts, government contracts, completion or performance guarantees and other obligations of a
like nature incurred in the ordinary course of business, including those incurred to secure health, safety and environmental obligations in the ordinary course of business; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) zoning restrictions, easements, trackage rights, leases (other than Capital Lease Obligations), licenses, special
assessments, <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">rights-of-way,</FONT></FONT> restrictions on use of real property and other similar encumbrances incurred in the ordinary course of business that do not render title
unmarketable and that, in the aggregate, do not interfere in any material respect with the ordinary conduct of the business of the Issuer or any subsidiary thereof or would reasonably expected to result in a Material Adverse Effect; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) purchase money security interests in equipment or other property or improvements thereto hereafter acquired (or, in the
case of improvements, constructed) by the Issuer or the Guarantor (including the interests of vendors and lessors under conditional sale and title retention agreements); provided, that (i)&nbsp;such security interests are incurred, and the
Indebtedness secured thereby is created, within 270 days after such acquisition (or construction), (ii) the Indebtedness secured thereby does not exceed 100% of the cost of such equipment or other property or improvements at the time of such
acquisition (or construction), including transaction costs incurred by the Issuer in connection with such acquisition (or construction) and (iii)&nbsp;such security interests do not apply to any other property or assets of the Issuer (other than to
accessions to such equipment or other property or improvements); provided, further, that individual financings of equipment provided by a single lender may be cross-collateralized to other financings of equipment provided solely by such lender; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) Liens arising out of sale and lease-back transactions, so long as such Liens attach only to the property sold and being
leased in such transaction and any accessions thereto or proceeds thereof and related property; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l) Liens securing
judgments that do not constitute an Event of Default under Section&nbsp;12(g); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m) other Liens with respect to property or
assets with an aggregate fair market value (valued at the time of creation thereof) of not more than $5,000,000; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(n) Liens
disclosed by the title insurance policies (that were not granted in contemplation of this Agreement) and any replacement, extension or renewal of any such Lien; provided, that such replacement, extension or renewal Lien shall not cover any property
other than the property that was subject to such Lien prior to such replacement, extension or renewal; provided, further, that the Indebtedness and other obligations secured by such replacement, extension or renewal Lien are not prohibited by this
Agreement; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> A
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(o) Liens in respect of Securitization Assets, REO Assets and the proceeds
thereof incurred in connection with Permitted Securitization Indebtedness; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(p) any interest or title of, or Liens created
by, a lessor under any leases or subleases entered into by the Transaction Entities, as tenant, in the ordinary course of business; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(q) Liens that are contractual rights of <FONT STYLE="white-space:nowrap">set-off</FONT> (i)&nbsp;relating to the establishment
of depository relations with banks not given in connection with the incurrence of Indebtedness, (ii)&nbsp;relating to pooled deposit or sweep accounts of the Transaction Entities to permit satisfaction of overdraft or similar obligations incurred in
the ordinary course of business of the Transaction Entities or (iii)&nbsp;relating to purchase orders and other agreements entered into with customers of the Transaction Entities in the ordinary course of business; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(r) Liens arising solely by virtue of any statutory or common law provision relating to banker&#146;s liens, rights of <FONT
STYLE="white-space:nowrap">set-off</FONT> or similar rights; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(s) Liens securing obligations in respect of performance
bonds, warranty bonds, bid bonds, appeal bonds, surety bonds and completion or performance guarantees and similar obligations, in each case provided in the ordinary course of business, including those incurred to secure health, safety and
environmental obligations in the ordinary course of business and obligations arising out of advances on exports, advances on imports, advances on trade receivables, customer prepayments and similar transactions in the ordinary course of business and
consistent with past practice, or in respect of trade-related letters of credit and covering the goods (or the documents of title in respect of such goods) financed by such letters of credit and the proceeds and products thereof; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(t) licenses of intellectual property granted in the ordinary course of business; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(u) Liens in favor of customs and revenue authorities arising as a matter of law to secure payment of customs duties in
connection with the importation of goods; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v) Liens upon specific items of inventory or other goods and proceeds of the
Issuer securing such Person&#146;s obligations in respect of bankers&#146; acceptances issued or created for the account of such Person to facilitate the purchase, shipment or storage of such inventory or other goods; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(w) Liens solely on any cash earnest money deposits made by the Issuer in connection with any letter of intent or purchase
agreement not prohibited hereby; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(x) Liens arising from precautionary Uniform Commercial Code financing statement filings
regarding operating leases entered into by the Transaction Entities in the ordinary course of business; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(y) Liens on
insurance policies and proceeds thereof, or other deposits, to secure insurance premium financing arrangements in the ordinary course of business and in an aggregate principal amount not to exceed 2.00% of the Issuer&#146;s consolidated total
assets, provided, that such Liens are limited to the applicable unearned insurance premiums; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(z) Liens on the Collateral
securing obligations in respect of cash management obligations and swap or similar hedging obligations and related transactions in the ordinary course of business; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> A
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(aa) Liens on cash or Cash Equivalents in an amount of up to $3,000,000 in
support of the Issuer&#146;s obligations under any letter of credit facility; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(bb) first-priority Liens securing Permitted
Warehouse Indebtedness; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(cc) Liens on REO Assets that secure obligations owed to third parties, provided that such
Liens existed prior to, and were not imposed in contemplation of transfer of, such REO Assets to a Transaction Entity. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Permitted
Restricted Payments</B>&#148; means the following, to the extent constituting Restricted Payments: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) declaration and
payment of dividends or make other distributions to the Guarantor (i)&nbsp;in respect of customary corporate overhead expenses, consistent with past practice, of the Guarantor or any other direct or indirect parent of the Issuer, including, without
limitation, legal, accounting and professional fees and other fees and expenses in each case in connection with the maintenance of its existence and its ownership of the Issuer and franchise taxes and other taxes required to maintain its (or any of
its direct or indirect parents&#146;) corporate existence (for the avoidance of doubt, no taxes imposed on or measured by net income shall be encompassed by this clause (a)(i)); (ii) in the event the Issuer files a consolidated, combined, unitary,
affiliated, or similar income tax return with the Guarantor or any direct or indirect parent of the Issuer (as applicable to the Guarantor or any direct or indirect parent of the Issuer, the &#147;<B>Consolidated Tax Parent</B>&#148;) to permit the
Consolidated Tax Parent to pay the tax liability in respect of the consolidated, combined, unitary, affiliated or similar returns filed by the Consolidated Tax Parent in each relevant jurisdiction solely to the extent attributable to taxable income,
revenue, receipts, gross receipts, gross profits, capital or margin of the Issuer and/or its subsidiaries and the ownership of the Consolidated Tax Parent in the Issuer and/or its subsidiaries; <I>provided</I>, that the amount of such payment or
distribution shall not be greater than the amount of such taxes that would have been due and payable by the Issuer and its subsidiaries had the Issuer not filed a consolidated, combined, unitary, affiliated, or similar return with the Consolidated
Tax Parent; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) the repurchase, redemption or other acquisition or retirement of (or making of dividends or distributions
to the Guarantor to finance any such repurchase, redemption or other acquisition or retirement) for value, in any such case paid no earlier than the first anniversary of the Closing Date, any Equity Interests of the Guarantor or any subsidiary held
by any current or former officer, director, consultant or employee of the Issuer, the Guarantor or any subsidiary of the Guarantor pursuant to any equity subscription agreement, equity grant agreement, stock option agreement, shareholders&#146;,
members&#146; or partnership agreement or similar agreement, plan or arrangement; <I>provided</I>, that the aggregate amount of such purchases, redemptions, acquisitions or retirements (other than in connection with facilitating employee tax events
relating to vesting and distribution of incentive compensation) under this clause (b)&nbsp;shall not exceed in any fiscal year $2,500,000 (plus the amount of net proceeds (x)&nbsp;received by the Issuer during such fiscal year from sales of equity
interests of the Issuer or contributions to the capital of the Issuer, in each case as a result of sales of equity interests to directors, consultants, officers or employees of the Issuer or any subsidiary thereof in connection with employee
compensation and incentive arrangements, and (y)&nbsp;of any <FONT STYLE="white-space:nowrap">key-man</FONT> life insurance policies recorded during such fiscal year), which, if not used in any year, may be carried forward to the next subsequent
fiscal year; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <FONT STYLE="white-space:nowrap">non-cash</FONT> repurchases of Equity Interests deemed to occur upon
exercise of stock options if such Equity Interests represent a portion of the exercise price of such options or a surrender of Equity Interests to satisfy the equityholder&#146;s tax liability in connection with the vesting of equity awards; and
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> A
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) declaration and payment of other Restricted Payments in an aggregate
amount under this clause&nbsp;(d) (taken together with the aggregate amount paid under clause (b)&nbsp;of this definition) not to exceed the sum (without duplication) of: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) 50% of the Consolidated Net Income of the Issuer for the period (taken as one accounting period) beginning on
January&nbsp;1, 2022 to the end of the Issuer&#146;s most recently ended fiscal quarter for which internal financial statements are available at the time of such Restricted Payment, or, in the case such Consolidated Net Income for such period is a
deficit, minus 100% of such deficit; <I>plus</I> </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) 100% of the aggregate net cash proceeds received by the Issuer since
March&nbsp;15, 2022 as a contribution to its common equity capital or from the issue or sale of Equity Interests of but in any case excluding any Designated Cash Contribution. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Permitted</B> <B>Securitization Indebtedness</B>&#148; has the meaning assigned to such term in the Collateral Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Person</B>&#148; means an individual, partnership, corporation, limited liability company, association, trust, unincorporated
organization, business entity or Governmental Authority. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>PIMCO</B>&#148; means, collectively, TOBI III SPE I LLC, LVS III
Holdings, L.P., PIMCO GP XVII, LLC, Pacific Investment Management Company LLC and each of their respective Affiliates but excluding any operating portfolio companies of any of the foregoing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B><FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Income</B>&#148; means, as of any Testing Period, the income before income taxes for
such period of the Issuer and its consolidated subsidiaries, determined in accordance with GAAP. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>property</B>&#148; or
&#147;<B>properties</B>&#148; means, unless otherwise specifically limited, real or personal property of any kind, tangible or intangible, choate or inchoate. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Purchaser</B>&#148; or &#147;<B>Purchasers</B>&#148; means each of the purchasers that has executed and delivered a Note Purchase
Agreement and such Purchaser&#146;s successors and assigns (so long as any such assignment complies with Section&nbsp;14.5); <I>provided</I>, <I>however</I>, that any Purchaser of a Note that ceases to be the registered holder or a beneficial owner
(through a nominee) of such Note as the result of a transfer thereof pursuant to Section&nbsp;14.5 shall cease to be included within the meaning of &#147;Purchaser&#148; of such Note for the purposes of this Agreement upon such transfer. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Qualified Institutional Buyer</B>&#148; or &#147;<B>QIB</B>&#148; means any Person who is a &#147;qualified institutional buyer&#148;
within the meaning of such term as set forth in Rule 144A(a)(1) under the Securities Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Rating</B>&#148; means a rating of the
Notes, which rating shall specifically describe the Notes, including their interest rate and maturity, issued by a NRSRO. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Rating
Event</B>&#148; shall occur if, as of any date of determination, the Rating of the Notes by any NRSRO is less than Investment Grade or the Notes do not have a Rating from any NRSRO. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> A
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Real Property</B>&#148; means, collectively, all right, title and interest
(including any leasehold, mineral or other estate) in and to any and all parcels of or interests in real property owned or leased by any Person, whether by lease, license or other means, together with, in each case, all easements, hereditaments and
appurtenances relating thereto, all improvements and appurtenant fixtures and equipment, all general intangibles and contract rights and other property and rights incidental to the ownership, lease or operation thereof; provided, that Real Property
does not include Mortgage Loans. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Record Date</B>&#148; is defined in Section&nbsp;15.3. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>REO Assets</B>&#148; &#148; of a Person means Real Property owned by such Person and acquired as a result of the foreclosure or other
enforcement of a lien on such Real Property securing a Mortgage Loan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Required Holders</B>&#148; means the holders of more than
50% in aggregate principal amount of the Notes then-outstanding (exclusive of Notes then owned by the Transaction Entities or any of their Affiliates) under all Note Purchase Agreements as of any date of determination. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Residual Interest</B>&#148; has the meaning assigned to such term in the Collateral Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Responsible Officer</B>&#148; means any Senior Financial Officer, the chief executive officer, president, vice president, and any
other officer of the Transaction Entities with responsibility for the administration of the relevant portion of this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Retained Earnings</B>&#148;, as of the end of each fiscal quarter, means (x)&nbsp;the retained earnings of the Issuer and its
consolidated subsidiaries as of such fiscal quarter end <I>minus</I> (y)&nbsp;retained earnings of the Issuer and its consolidated subsidiaries as of December&nbsp;31, 2023, in each case determined in accordance with GAAP. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>SEC</B>&#148; means the Securities and Exchange Commission of the United States of America. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>SEC Filings</B>&#148; is defined in Section&nbsp;6.3. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>securities</B>&#148; or &#147;<B>security</B>&#148; shall have the meaning specified in Section&nbsp;2(a)(1) of the Securities Act.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Securities Act</B>&#148; means the Securities Act of 1933, as amended, and the rules and regulations promulgated thereunder from
time to time in effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Securitization Entity</B>&#148; has the meaning assigned to such term in the Collateral Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Securitization Indebtedness</B>&#148; has the meaning assigned to such term in the Collateral Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Senior Financial Officer</B>&#148; means the chief financial officer, principal accounting officer, treasurer, assistant treasurer or
comptroller of the Transaction Entities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Sponsor</B>&#148; collectively, TrueArc Partners, Snow Phipps Group and each of their
Affiliates but excluding any operating portfolio companies of any of the foregoing. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Stockholders&#146; Equity</B>&#148; means,
at any date, the amount determined on a consolidated basis, without duplication, in accordance with GAAP, of stockholders&#146; equity for the Issuer and its consolidated subsidiaries at such date. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> A
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>subsidiary</B>&#148; of a Person means (a)&nbsp;a corporation, partnership, joint
venture, limited liability company or other business entity of which (i)&nbsp;a majority of the shares, securities or other interests having ordinary voting power for the election of directors or other governing body (other than shares, securities
or interests having such power only by reason of the happening of a contingency) are at the time beneficially owned, (ii)&nbsp;more than half of the issued share capital is at the time beneficially owned or (iii)&nbsp;the management of which is
otherwise controlled, directly or indirectly, through one or more intermediaries, or both, by such Person and (b)&nbsp;for so long as the Issuer or any subsidiary holds any Residual Interest therein, (i)&nbsp;each Securitization Entity and
(ii)&nbsp;each Warehouse Facility Entity. Unless the context otherwise clearly requires, any reference to a &#147;subsidiary&#148; is a reference to a subsidiary of the Issuer. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Taxes</B>&#148; has the meaning assigned to it in Section&nbsp;16.1. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Testing Period</B>&#148; means, for any date of determination under this Agreement, the latest four consecutive fiscal quarters of
the Issuer for which financial statements have been delivered to the Paying Agent on or prior to the Closing Date and/or for which financial statements are required to be delivered pursuant to Section&nbsp;8.1. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Total Collateral Value</B>&#148; means, for any date of determination, the sum (without duplication) as of such date of the
following, in each case determined in accordance with GAAP for the Issuer and its Subsidiaries: (a)&nbsp;the Collateral Value, (b)&nbsp;the excess, if any, of the value of the mortgage loans or other assets held by or pledged to providers of
Warehouse Indebtedness pursuant to Warehouse Facilities over the principal amount of such Warehouse Indebtedness, (c)&nbsp;the excess, if any, of the value of mortgage loans, REO Assets and other assets held by each Securitization Issuer Entity over
outstanding Indebtedness of such Securitization Issuer Entity, (d)&nbsp;the value of Retained Interests held by any Securitization Depositor Entity, and (e)&nbsp;receivables owed to the Issuer or its Subsidiaries by mortgage servicers. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>UCC</B>&#148; means the Uniform Commercial Code as in effect from time to time in the State of New York. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Underlying Mortgage</B>&#148; means a mortgage, consolidated mortgage, deed of trust, deed to secure debt, security deed or other
security device which is customary and serves the same function as a mortgage under the law and practice in the jurisdiction in which the premises subject to the mortgage are located. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Underlying Mortgaged Property</B>&#148; means the real property encumbered by an Underlying Mortgage relating to a Mortgage Loan.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Underlying Obligor</B>&#148; means, with respect to any Mortgage Loan, the Person who is the obligor, maker or mortgagor on such
Mortgage Loan and not the guarantor of such Mortgage Loan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>United States Person</B>&#148; has the meaning set forth in
Section&nbsp;7701(a)(30) of the Code. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>USA PATRIOT Act</B>&#148; means United States Public Law
<FONT STYLE="white-space:nowrap">107-56,</FONT> Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism (USA PATRIOT ACT) Act of 2001 and the rules and regulations promulgated thereunder from
time to time in effect. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> A
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>U.S. Economic Sanctions Laws</B>&#148; means those laws, executive orders, enabling
legislation or regulations administered and enforced by the United States pursuant to which economic sanctions have been imposed on any Person, entity, organization, country or regime, including the Trading with the Enemy Act, the International
Emergency Economic Powers Act, the Iran Sanctions Act, the Sudan Accountability and Divestment Act and any other OFAC Sanctions Program. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Warehouse Facility Entity</B>&#148; has the meaning assigned to such term in the Collateral Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Warehouse Indebtedness</B>&#148; has the meaning assigned to such term in the Collateral Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Wholly-Owned Subsidiary</B>&#148; means, at any time, any subsidiary all of the equity interests (except directors&#146; qualifying
shares) and voting interests of which are owned by the Transaction Entities at such time. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> A
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">Schedule 1 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>[F<SMALL>ORM</SMALL> <SMALL>OF</SMALL> N<SMALL>OTE</SMALL>] </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, TO THE COMPANY OR ITS AGENT FOR REGISTRATION OF
TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE&nbsp;&amp; CO. OR SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY (AND ANY PAYMENT IS MADE TO CEDE&nbsp;&amp;
CO., OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF,
CEDE&nbsp;&amp; CO., HAS AN INTEREST HEREIN. TRANSFERS OF THIS GLOBAL NOTE SHALL BE LIMITED TO TRANSFERS IN WHOLE, BUT NOT IN PART, TO THE DEPOSITORY TRUST COMPANY, TO NOMINEES OF THE DEPOSITORY TRUST COMPANY OR TO A SUCCESSOR THEREOF AS GLOBAL NOTE
DEPOSITARY OR SUCH SUCCESSOR&#146;S NOMINEE AND TRANSFERS OF PORTIONS OF THIS GLOBAL NOTE SHALL BE LIMITED TO TRANSFERS MADE IN ACCORDANCE WITH THE RESTRICTIONS SET FORTH IN THE NOTE PURCHASE AGREEMENT REFERRED TO IN THIS NOTE.]<SUP
STYLE="font-size:75%; vertical-align:top">1</SUP> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE OFFERING AND SALE OF THIS NOTE (OR ITS PREDECESSOR) HAVE NOT BEEN REGISTERED UNDER THE U.S.
SECURITIES ACT OF 1933, AS AMENDED (THE &#147;<B>SECURITIES ACT</B>&#148;), AND, ACCORDINGLY, THIS NOTE MAY NOT BE OFFERED, SOLD, PLEDGED OR OTHERWISE TRANSFERRED EXCEPT AS SET FORTH IN THE NEXT SENTENCE. BY ITS ACQUISITION HEREOF OR OF A BENEFICIAL
INTEREST HEREIN, THE HOLDER: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(1) REPRESENTS THAT IT IS A &#147;QUALIFIED INSTITUTIONAL BUYER&#148; (AS DEFINED IN RULE 144A UNDER THE
SECURITIES ACT) (A &#147;<B>QIB</B>&#148;) [OR AN ACCREDITED INVESTOR AS DEFINED IN RULE 501(a)(1), (2), (3) OR (7)&nbsp;UNDER THE SECURITIES ACT]<SUP STYLE="font-size:75%; vertical-align:top">2</SUP>; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(2) AGREES THAT IT WILL NOT RESELL OR OTHERWISE TRANSFER THIS NOTE OR ANY BENEFICIAL INTEREST HEREIN EXCEPT (A)&nbsp;TO VELOCITY COMMERCIAL
CAPITAL, LLC OR ANY OF ITS SUBSIDIARIES, (B)&nbsp;TO A PERSON WHOM THE SELLER REASONABLY BELIEVES IS A QIB PURCHASING FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QIB IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE 144A, (C)&nbsp;IN A TRANSACTION
MEETING THE REQUIREMENTS OF RULE 144 UNDER THE SECURITIES ACT, (D)&nbsp;IN ACCORDANCE WITH ANOTHER EXEMPTION FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT (AND BASED UPON AN OPINION OF COUNSEL ACCEPTABLE TO THE COMPANY AND THE PAYING
AGENT) OR (E)&nbsp;PURSUANT TO AN EFFECTIVE REGISTRATION STATEMENT AND, IN EACH CASE, IN ACCORDANCE WITH THE APPLICABLE SECURITIES LAWS OF ANY STATE OF THE UNITED STATES OR ANY OTHER APPLICABLE JURISDICTION; </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:75%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Note: Insert language in brackets for Global Note. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:75%; vertical-align:top">2</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Note: Insert language in brackets for Certificated Notes. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> 1
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(3) AGREES THAT IT WILL DELIVER TO EACH PERSON TO WHOM THIS NOTE OR AN INTEREST HEREIN IS
TRANSFERRED A NOTICE SUBSTANTIALLY TO THE EFFECT OF THIS LEGEND; AND </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(4) ACKNOWLEDGES THAT THE COMPANY AND THE PAYING AGENT FOR THE NOTES
WILL REFUSE TO REGISTER ANY TRANSFER OF THIS NOTE IN VIOLATION OF THE FOREGOING. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> 1
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">CUSIP No.:<SUP STYLE="font-size:75%; vertical-align:top">3</SUP> </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>9.875% S<SMALL>ENIOR</SMALL> S<SMALL>ECURED</SMALL> N<SMALL>OTE</SMALL> D<SMALL>UE</SMALL> 2029 </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="94%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">No. [ ]</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">[<B>Date</B>]</TD></TR>
</TABLE> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">[Up to]<SUP STYLE="font-size:75%; vertical-align:top">4</SUP> $[____] </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The undersigned, VELOCITY COMMERCIAL CAPITAL, LLC. (herein called the &#147;<B>Company</B>&#148;), a limited liability company organized and
existing under the laws of the State of California, hereby promises to pay to [Cede&nbsp;&amp; Co.][&#8195;&#8195;&#8195;&#8195;], or registered assigns, the principal sum [set forth on the Schedule of Exchanges of Interests in the Global Note
attached hereto][of &#8195;&#8195;&#8195;&#8195;DOLLARS] (or so much thereof as shall not have been prepaid) on February&nbsp;15, 2029 (the &#147;<B>Maturity Date</B>&#148;), with interest (computed on the basis of a
<FONT STYLE="white-space:nowrap">360-day</FONT> year of twelve <FONT STYLE="white-space:nowrap">30-day</FONT> months)&nbsp;(a) on the unpaid balance hereof at the rate of 9.875% per annum, as may be adjusted in accordance with Section&nbsp;2.2 of
the Note Purchase Agreement (as hereinafter defined), from [_________]<SUP STYLE="font-size:75%; vertical-align:top">5</SUP>, payable semi-annually, on May&nbsp;15 and November&nbsp;15 in each year, or if such date is not a Business Day, on the next
succeeding Business Day (each, an &#147;<B>Interest Payment Date</B>&#148;) commencing with the May&nbsp;15, 2024 next succeeding the date hereof, and on the Maturity Date, until the principal hereof shall have become due and payable, and
(b)&nbsp;to the extent permitted by law, (x)&nbsp;on any overdue payment of interest and (y)&nbsp;during the continuance of an Event of Default, on such unpaid balance at a rate per annum from time to time equal to the Default Rate (as defined in
the hereinafter defined Note Purchase Agreement). Interest payable on any Interest Payment Date shall be payable to the holder of any Note in whose name such Note is registered at the close of business on the fifteenth (15<SUP
STYLE="font-size:75%; vertical-align:top">th</SUP>) calendar day immediately preceding the related payment date (each such date being referred to herein as a &#147;<B>Record Date</B>&#148;), except as provided in Section&nbsp;15.2 of the Note
Purchase Agreement with respect to defaulted interest. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Payments of principal of, interest on and any Make-Whole Amount, if any, with
respect to this Note are to be made in lawful money of the United States of America at the corporate trust office of the Paying Agent or at such other place as the Issuer shall have designated by written notice to the holder of this Note as provided
in the Note Purchase Agreement referred to below. The Company has initially appointed as UMB Bank, National Association, as Paying Agent. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Note is one of a series of Senior Secured Notes (herein called the &#147;<B>Notes</B>&#148;) issued pursuant to the Note Purchase
Agreements, dated February [&#149;], 2024 (as from time to time amended, the &#147;<B>Note Purchase Agreement</B>&#148;), by and among the Transaction Entities, the Collateral Agent and the respective Purchasers named therein and is entitled to the
benefits thereof. Each holder of this Note will be deemed, by its acceptance hereof, to have (i)&nbsp;agreed to the confidentiality provisions set forth in Section&nbsp;21 of the Note Purchase Agreement and (ii)&nbsp;made the representations set
forth in Section&nbsp;7 of the Note Purchase Agreement. Unless otherwise indicated, capitalized terms used in this Note shall have the respective meanings ascribed to such terms in the Note Purchase Agreement. To the extent any provision of this
Note conflicts with the express provisions of the Note Purchase Agreement, the provisions of the Note Purchase Agreement shall govern and be controlling. </P>
<P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:75%; vertical-align:top">3</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Rule 144A Global Note CUSIP: 92259R AC9 </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&#8201;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Non-DTC Certificated Note CUSIP: 92259R AD7 </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:75%; vertical-align:top">4</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Insert language in brackets for Global Note. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:75%; vertical-align:top">5</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Insert Closing Date in the case of Notes issued on the Closing Date. With respect to Notes other than the Notes
issued on the Closing Date (including with respect to successor Notes of the Notes issued on the Closing Date), insert the most recent Interest Payment Date or, if no Interest Payment Date has yet occurred, the Closing Date.
</P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> 1
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Note is a registered Note and, as provided in the Note Purchase Agreement, upon
surrender of this Note for registration of transfer accompanied by a written instrument of transfer duly executed, by the registered holder hereof or such holder&#146;s attorney duly authorized in writing, a new Note for a like principal amount will
be issued to, and registered in the name of, the transferee. Prior to due presentment for registration of transfer, the Issuer may treat the Person in whose name this Note is registered as the owner hereof for the purpose of receiving payment and
for all other purposes, and the Issuer will not be affected by any notice to the contrary. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Note is subject to prepayment or
redemption at the option of the Issuer, in whole or from time to time in part, at the times and on the terms specified in the Note Purchase Agreement, but not otherwise. Each holder of this Note is entitled to the benefits of the Collateral
Documents. In the event of a Change of Control, as defined in the Note Purchase Agreement, the Issuer is required to offer to repurchase the Notes on the terms and conditions set forth in the Note Purchase Agreement. This Note and the Note Purchase
Agreement may be amended as provided in the Note Purchase Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If an Event of Default occurs and is continuing, the principal of this Note may be
declared or otherwise become due and payable in the manner, at the price and with the effect provided in the Note Purchase Agreement. A copy of the form of Note Purchase Agreement will be publicly filed with the U.S. Securities and Exchange
Commission by the Guarantor on or promptly following the Closing Date. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> 1
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Note, the Note Purchase Agreement and the guarantee contained therein shall be governed
by and construed in accordance with the law of the State of New York. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">V<SMALL>ELOCITY</SMALL> C<SMALL>OMMERCIAL</SMALL> C<SMALL>APITAL</SMALL>, LLC</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8195;&#8195;</P></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> 1
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PAYING AGENT&#146;S CERTIFICATE OF AUTHENTICATION </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This is one of the Notes referred to in the Note Purchase Agreements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">UMB Bank, National Association, as Paying Agent </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8195;&#8195;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> 1
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[FORM OF NOTATION OF GUARANTEE] </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For value received, the Guarantor has unconditionally guaranteed, to the extent set forth in the Note Purchase Agreement the due and punctual
payment of principal, premium (if any), and interest (including any additional amounts required to be paid in accordance with the terms and conditions of the Notes) from time to time payable by the Issuer in respect of the Notes as and when the same
shall become due, whether at stated maturity, upon redemption or repayment, by acceleration or otherwise, and accordingly undertakes to pay such holder, in the manner and the currency set forth in the terms and conditions of the Notes, any amount or
amounts which the Issuer is at any time liable to pay in respect of such Notes and which the Issuer has failed to pay, including amounts that become due in advance of their stated maturity as a result of acceleration. The obligations of the
Guarantor to the holders of Notes pursuant to the Guarantee are expressly set forth Section&nbsp;24 of the Note Purchase Agreements and reference is hereby made to the Note Purchase Agreements for the precise terms of the Guarantee. Each holder of a
Note, by accepting the same, agrees to and shall be bound by such provisions. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">V<SMALL>ELOCITY</SMALL> F<SMALL>INANCIAL</SMALL>, I<SMALL>NC</SMALL>.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&#8195;&#8195;&#8195;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name:</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title:</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> 1
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ASSIGNMENT FORM </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">To assign this Note, fill in the form below: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="32%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="67%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">(I)&nbsp;or&nbsp;(we)&nbsp;assign&nbsp;and&nbsp;transfer&nbsp;this&nbsp;Note&nbsp;to:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">(Insert assignee&#146;s legal name)</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Insert assignee&#146;s soc. sec. or tax I.D. no.) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Print or type assignee&#146;s name,
address and zip code) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="18%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="81%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">and&nbsp;irrevocably&nbsp;appoint<U></U></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">to transfer this Note on the books of the Company. The agent may substitute another to act for him.</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Date: _____________________ </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Your&nbsp;Signature:&nbsp;
<U>&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;</U></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">(Sign exactly as your name appears on the face of this Note)</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Signature Guarantee*: __________________________________ </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="2%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Participant in a recognized Signature Guarantee Medallion Program (or other signature guarantor acceptable to
the Paying Agent). </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> 1
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">CERTIFICATE TO BE DELIVERED UPON EXCHANGE OR </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">REGISTRATION OF TRANSFER RESTRICTED NOTES </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This
certificate relates to $_________ principal amount of the 9.875% Senior Secured Notes due 2029 (CUSIP: [_]) (the &#147;<B>Notes</B>&#148;) held in (check applicable space) ____ book-entry or _____ definitive form by the undersigned. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The undersigned (check one box below): </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&#9744;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">has requested the Paying Agent by written order to deliver in exchange for its beneficial interest in the
Global Note held by the Depository Trust Company (or successor depositary) or a nominee thereof a Note or Notes in definitive, registered form of authorized denominations and an aggregate principal amount equal to its beneficial interest in such
Global Note (or the portion thereof indicated above) in accordance with the Indenture; or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&#9744;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">has requested the Paying Agent by written order to exchange or register the transfer of a Note or Notes.
</P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In connection with any transfer of any of the Notes evidenced by this certificate occurring prior to the expiration of the holding
period referred to in Rule&nbsp;144 under the Securities&nbsp;Act, the undersigned confirms that such Notes are being transferred in accordance with its terms: </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CHECK ONE BOX BELOW </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="6%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="90%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:2.00em; font-size:10pt; font-family:Times New Roman">&#9744;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">(1)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">to the Company or subsidiary thereof; or</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:2.00em; font-size:10pt; font-family:Times New Roman">&#9744;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">(2)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">to the Paying Agent for registration in the name of the Holder, without transfer; or</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:2.00em; font-size:10pt; font-family:Times New Roman">&#9744;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">(3)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">pursuant to an effective registration statement under the Securities Act of 1933; or</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:2.00em; font-size:10pt; font-family:Times New Roman">&#9744;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">(4)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">to a &#147;qualified institutional buyer&#148; (as defined in Rule&nbsp;144A under the Securities Act of 1933) that purchases for its own account or for the account of a qualified institutional buyer to whom notice is given that
such transfer is being made in reliance on Rule 144A, in each case pursuant to and in compliance with Rule&nbsp;144A under the Securities Act of 1933; or</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:2.00em; font-size:10pt; font-family:Times New Roman">&#9744;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">(5)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">pursuant to another available exemption from registration under the Securities Act of 1933.</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Unless one of the boxes is checked, the Paying Agent will refuse to register any of the Notes evidenced by this certificate in
the name of any Person other than the registered Holder thereof; <I>provided</I>,<I> however</I>, that if box&nbsp;(4) or (5)&nbsp;is checked, the Paying Agent may require, prior to registering any such transfer of the Notes, such legal opinions,
certifications and other information as the Company or the Trustee has reasonably requested to confirm that such transfer is being made pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the
Securities Act of 1933. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Your Signature:</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Signature Guarantee: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> 1
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Date: ___________________</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Signature must be guaranteed</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">by a participant
in a</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">recognized signature guaranty</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">medallion program or
other</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">signature guarantor acceptable</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">to the Paying
Agent</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Signature of Signature
Guarantor</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">TO BE COMPLETED BY PURCHASER IF (4)&nbsp;ABOVE IS CHECKED. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">The undersigned represents and warrants that it is purchasing this Note for its own account or an account with respect to which it exercises
sole investment discretion and that it and any such account is a &#147;qualified institutional buyer&#148; within the meaning of Rule&nbsp;144A under the Securities Act of 1933, and is aware that the sale to it is being made in reliance on
Rule&nbsp;144A and acknowledges that it has received such information regarding the Company as the undersigned has requested pursuant to Rule&nbsp;144A or has determined not to request such information and that it is aware that the transferor is
relying upon the undersigned&#146;s foregoing representations in order to claim the exemption from registration provided by Rule&nbsp;144A. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Dated: ___________________</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="right">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">NOTICE: To be executed by</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">an executive officer</P></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> 1
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">OPTION OF HOLDER TO ELECT PURCHASE </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If you want to elect to have all of this Note purchased by the Company pursuant to Section&nbsp;9.8 of the Note Purchase Agreement, check the
box below: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:18%; font-size:10pt; font-family:Times New Roman">[&#8195;] </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If
you want to elect to have only part of this Note purchased by the Company pursuant to Section&nbsp;9.8, state the amount you elect to have purchased: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$_______________ </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Date: _____________________
</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Your Signature: <U>&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;&#8195;</U></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; font-size:10pt; font-family:Times New Roman">(Sign exactly as your name appears on</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; font-size:10pt; font-family:Times New Roman">the face of this Note)</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Tax Identification No.:</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Signature Guarantee*: __________________________________ </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Participant in a recognized Signature Guarantee Medallion Program (or other signature guarantor acceptable to
the Paying Agent). </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> 1
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">SCHEDULE OF INCREASES AND DECREASES IN THE GLOBAL NOTE* </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The initial outstanding principal amount of this Global Note is $__________. The following increases and decreases in this Global Note, have
been made: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="26%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="22%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="22%"></TD>

<TD VALIGN="bottom"></TD>
<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="12%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">Date of Increase</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; ">or Decrease</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">decrease</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">in Principal</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of increase</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">in Principal</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of this</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Global Note</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Principal&nbsp;Amount&nbsp;of</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">this Global Note</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">following such</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">decrease or increase</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Signature&nbsp;of</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">authorized&nbsp;signatory</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">of Paying
Agent or<BR>custodian</P></TD></TR></TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">This schedule should be included only if the Note is issued in global form. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">S<SMALL>CHEDULE</SMALL> 1
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(to Note Purchase Agreement) </P>

</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>3
<FILENAME>d745667dex102.htm
<DESCRIPTION>EX-10.2
<TEXT>
<HTML><HEAD>
<TITLE>EX-10.2</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 10.2 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B><I>Execution Version </I></B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECURITY AGREEMENT </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>dated as of </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>February&nbsp;5,&nbsp;2024, </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>among </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>VELOCITY
COMMERCIAL CAPITAL, LLC, </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>as the Issuer, </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>VELOCITY FINANCIAL, INC., </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>as Parent </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>THE OTHER
GRANTORS FROM TIME TO TIME PARTY HERETO, </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>and </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>as Collateral Agent </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TABLE OF CONTENTS </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="19%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="77%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B><U>Page</U></B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE I Definitions</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;1.01.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Terms Defined in Note Purchase Agreement</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;1.02.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Other Defined Terms</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE II Pledge of Securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 2.01.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Pledge</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 2.02.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Delivery of the Pledged Collateral</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 2.03.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Representations, Warranties and Covenants</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 2.04.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Certification of Limited Liability Company and Limited Partnership Interests</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 2.05.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Registration in Nominee Name; Denominations</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 2.06.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Voting Rights; Dividends and Interest</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE III Security Interests in Personal Property</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 3.01.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Security Interest</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 3.02.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Representations and Warranties</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 3.03.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Covenants</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 3.04.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Other Actions</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE IV Remedies</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 4.01.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Remedies Upon Default</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 4.02.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Application of Proceeds</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 4.03.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Grant of License to Use Intellectual Property</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 4.04.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Certain Matters Relating to Receivables and other Proceeds</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE V Miscellaneous</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.01.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Notices</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.02.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Waivers; Amendment</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.03.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Collateral Agent&#146;s and Secured Parties&#146; Fees and Expenses</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.04.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Successors and Assigns</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.05.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Survival of Agreement</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.06.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Counterparts; Effectiveness; Several Agreement</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.07.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Severability</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.08.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>[Reserved]</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.09.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Governing Law; Jurisdiction; Venue; Waiver of Jury Trial; Consent to Service of Process</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.10.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Headings</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.11.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Security Interest Absolute</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.12.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Termination or Release</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-i- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TABLE OF CONTENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(continued) </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="19%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="77%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B><U>Page</U></B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.13.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Additional Grantors</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.14.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Collateral Agent Appointed <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Attorney-in-Fact</FONT></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.15.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>General Authority of the Collateral Agent</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.16.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Reinstatement</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.17.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>The Collateral Agent</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.18.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Equal Priority Intercreditor Agreements Govern</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><I>Schedules</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Schedule I</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Subsidiary Parties</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Schedule II</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Pledged Equity; Pledged Debt; Pledged Residual Interests; Securities and Deposit Accounts</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Schedule III</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Commercial Tort Claims</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Schedule IV</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Intellectual Property</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><I>Exhibits</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Exhibit I</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Security Agreement Supplement</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Exhibit II</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Copyright Short Form Security Agreement</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Exhibit III</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Trademark Short Form Security Agreement</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Exhibit IV</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Patent Short Form Security Agreement</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-ii- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This SECURITY AGREEMENT is entered into, as of February&nbsp;5,&nbsp;2024 (this
&#147;<B>Agreement</B>&#148;), by and among VELOCITY FINANCIAL, INC., a Delaware corporation (&#147;<B>Parent</B>&#148;), VELOCITY COMMERCIAL CAPITAL, LLC, a California limited liability company (the &#147;<B>Issuer</B>&#148; and, together with
Parent and each Subsidiary Party that, at the option of the Issuer, becomes a party hereto from time to time, collectively the &#147;<B>Grantors</B>&#148; and each, a &#147;<B>Grantor</B>&#148;), and U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, as
collateral agent (in such capacity, the &#147;<B>Collateral Agent</B>&#148;) for the Secured Parties (as defined herein). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS,
reference is hereby made to the respective Note Purchase Agreements, each dated as of February&nbsp;5,&nbsp;2024, by and among Parent, the Issuer, the Collateral Agent, as collateral agent, and each respective Purchaser party thereto (collectively,
as amended, restated, amended and restated, supplemented or otherwise modified from time to time, the &#147;<B>Note Purchase Agreement</B>&#148;), pursuant to which the Issuer&#146;s 9.875% Senior Secured Notes due 2029 (together with any Additional
Notes, as defined in the Note Purchase Agreement, the &#147;<B>Notes</B>&#148;) were issued; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, in connection with the issuance of
the Notes under the Note Purchase Agreement, each Grantor has agreed to secure such Grantor&#146;s Secured Notes Obligations (as defined below) as set forth herein; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, each Grantor acknowledges that it has directly and indirectly benefited, and will directly and indirectly benefit, from the
transactions evidenced and contemplated by the Note Purchase Agreement and the other Collateral Documents. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">ACCORDINGLY, in consideration
of the agreement, provisions and covenants herein contained, the parties hereto hereby agree as follows: </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE I </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Definitions </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 1.01. <U>Terms Defined in Note Purchase Agreement</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Capitalized terms used in this Agreement (including the preliminary statement hereto) and not otherwise defined herein have the meanings
specified in the Note Purchase Agreement. All terms defined in the New York UCC (as defined herein) and not defined in this Agreement have the meanings specified therein; the term &#147;<B>instrument</B>&#148;<B> </B>shall have the meaning specified
in Article 9 of the New York UCC. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The rules of construction specified in Section&nbsp;22.4 of the Note Purchase Agreement also apply
to this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 1.02. <U>Other Defined Terms</U>. As used in this Agreement, the following terms have the meanings specified
below: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Absolute Assignment</B>&#148; means, individually and collectively, each of those certain Absolute Assignments of Loan
and Loan Documents and incorporated herein by reference (or such other form required under the applicable Law of the applicable jurisdiction where any Underlying Mortgaged Property is located), executed by the applicable Notes Party in favor of the
Collateral Agent, together with, as applicable, any other assignment of loans, notes, and/or mortgages or other security instruments executed by the applicable Notes Party in favor of the Collateral Agent from time to time in relation to any
Collateral, which assignments may be recorded in each jurisdiction where any Underlying Mortgaged Property is located (pursuant to the terms and provisions of this Agreement), and as the same may be modified, amended or restated from time to time.
</P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Account Debtor</B>&#148;<B> </B>means any Person who is or who may become obligated
to any Grantor under, with respect to or on account of an Account. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Accounts</B>&#148; has the meaning specified in Article 9 of
the New York UCC. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Agreement</B>&#148; has the meaning assigned to such term in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Article 9 Collateral</B>&#148; has the meaning assigned to such term in SECTION 3.01(a). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Closing Date</B>&#148; shall have the meaning given to such term in the Note Purchase Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Collateral</B>&#148; means the Article 9 Collateral and the Pledged Collateral. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Collateral Account</B>&#148; means any collateral account established by the Collateral Agent as provided in Section&nbsp;4.04. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Collateral Agent</B>&#148; has the meaning assigned to such term in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Collateral Requirement</B>&#148; means, at any time, the requirement that: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) the Collateral Agent shall have received each Collateral Document required to be delivered on the Closing Date pursuant to
Section&nbsp;5 of the Note Purchase Agreement, the terms of this Agreement or from time to time pursuant to Section&nbsp;10.7 or Section&nbsp;10.8 of the Note Purchase Agreement, subject to the limitations and exceptions of this Agreement, duly
executed by each Notes Party party thereto; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) the Secured Notes Obligations shall have been secured by a legal, valid,
perfected first-priority security interest, subject, as to priority, to any Permitted Liens, in (i)&nbsp;all the Equity Interests of the Issuer and (ii)&nbsp;all Equity Interests of each Subsidiary Party (other than any Warehouse Facility Entity
and, insofar as they constitute Equity Interests, Residual Interests held by any Securitization Depositor Entity) and (iii)&nbsp;all Equity Interests of each Securitization Depositor Entity, in each case, subject to exceptions and limitations
otherwise set forth in this Agreement and the Collateral Documents (to the extent appropriate in the applicable jurisdiction); </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) the Secured Notes Obligations shall have been secured by a legal, valid, perfected first-priority security interest,
subject, as to priority, to any Permitted Liens, in the Residual Interests owned by each Grantor (other than the Equity Interests in any Warehouse Facility Entity); </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) the Secured Notes Obligations shall have been secured by a perfected
security interest in, and Mortgages on, substantially all now owned or, in the case of real property, fee owned or ground leased, or at any time hereafter acquired tangible and intangible assets of each Grantor (including Equity Interests,
intercompany debt, accounts, inventory, equipment, investment property, contract rights, intellectual property in the United States of America, other general intangibles, Material Real Property and proceeds of the foregoing), in each case, subject
to exceptions and limitations otherwise set forth in this Agreement and the Collateral Documents (to the extent appropriate in the applicable jurisdiction); </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) Solely to the extent that a third party is holding the loans on behalf of the Issuer in a custodial capacity (a
&#147;<U>Custodian</U>&#148;), with respect to each Mortgage Loan owned by any Grantor (and not subject to Permitted Warehouse Indebtedness), and the Underlying Mortgage(s) securing such Mortgage Loan, the Collateral Agent shall have received a
counterpart, duly executed and delivered by such Grantor and the Custodian, of a Custodial Agreement and such Grantor shall have delivered to the Collateral Agent or, if then applicable, Custodian pursuant hereto or, if applicable to such Custodial
Agreement, (i)(A) all original (x)&nbsp;Mortgage Notes and any other original promissory notes executed in conjunction with such Mortgage Loans, and (y)&nbsp;allonges executed by each applicable prior holder of such Mortgage Note (if not originated
by such Grantor) and such Grantor, evidencing (I)&nbsp;the appropriate chain of title to such Grantor, and (II)&nbsp;the security interest granted by such Grantor in favor of the Collateral Agent and (B)&nbsp;all other items that the Collateral
Agent must receive possession of to obtain a perfected security interest (via possession) in such Mortgage Loan, and (ii)&nbsp;an Absolute Assignment, executed by such Grantor and in the appropriate form for recording with the appropriate
Governmental Authority; <I>provided</I>, <I>however</I>, that (A)&nbsp;no such Absolute Assignment shall be effective unless and until it is executed by or on behalf of the Collateral Agent and (B)&nbsp;when no Event of Default has occurred and is
continuing, (x)&nbsp;such Absolute Assignment shall not be executed by or on behalf of the Collateral Agent or be sent for recording with any Governmental Authority and (y)&nbsp;the Collateral Agent shall not otherwise take any action to give effect
to such Absolute Assignment; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) subject to limitations and exceptions of this Agreement and the Collateral Documents, to
the extent a security interest in and Mortgages on any Material Real Property are required pursuant to clause (d)&nbsp;above or under Section&nbsp;10.7 or Section&nbsp;10.8 of the Note Purchase Agreement (each, a &#147;<B>Mortgaged
Property</B>&#148;), the Collateral Agent shall have received (i)&nbsp;counterparts of a Mortgage with respect to such Mortgaged Property duly executed and delivered by the record owner or ground lessee of such Material Real Property in form
suitable for filing or recording in all filing or recording offices that are reasonably necessary or desirable in order to create a valid and subsisting perfected Lien (subject only to Liens described in clause (ii)&nbsp;below) on the applicable
Material Real Property and/or rights described therein in favor of the Collateral Agent for the benefit of the Secured Parties, and evidence that all filing and recording taxes and fees have been paid or otherwise provided for (it being understood
that if a mortgage tax will be owed on the entire amount of the indebtedness evidenced hereby, then the amount secured by the Mortgage shall be limited to 100% of the fair market value of the property at the time the Mortgage is entered into if such
limitation results in such mortgage tax being calculated based upon such fair market value) and (ii)&nbsp;fully paid policies of title insurance (or <FONT STYLE="white-space:nowrap">marked-up</FONT> title insurance commitments having the effect of
policies of title insurance) on the Mortgaged Property naming the Collateral Agent as the insured for its benefit and that of the Secured Parties and their respective successors and assigns (the &#147;<B>Mortgage Policies</B>&#148;) issued by a
nationally recognized title insurance company in form and substance and in an amount reasonably acceptable to the Required Holders (not to exceed 100% of the fair market value of the real properties covered thereby), insuring the Mortgages to be
valid subsisting first priority Liens, subject, as to priority, to any Permitted Liens, on the property described therein, free and clear of all Liens other than Liens permitted to be on such Collateral pursuant to Section&nbsp;11.2 of the Note
Purchase Agreement and other Liens reasonably acceptable to the Collateral Agent as directed by the Required Holders in writing. Notwithstanding the foregoing, with respect to any ground leased Material Real Property, to the extent that any
requirement of this clause (f)&nbsp;shall require the consent or other action of the ground lessor of such Material Real Property, then the applicable Grantor shall be deemed to have complied with such requirement of this clause (f)&nbsp;if the
applicable Grantor has made commercially reasonable efforts to obtain the consent or other action, as required, of the ground lessor of such Material Real Property in order to fulfill such requirement; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-3- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) within thirty (30)&nbsp;days of the Closing Date (or such longer period
as the Required Holders may agree in writing in their discretion), the Collateral Agent shall have received insurance certificates from the Grantors&#146; insurance broker or other evidence reasonably satisfactory to the Required Holders that all
insurance required to be maintained pursuant to Section&nbsp;10.2 of the Note Purchase Agreement is in full force and effect and such certificates shall (i)&nbsp;name the Collateral Agent, on behalf of the Secured Parties, as an additional insured
thereunder as it interests may appear and (ii)&nbsp;in the case of casualty insurance policy, contain a lenders loss payable clause or endorsement, reasonably satisfactory in form and substance to the Required Holders, that names the Collateral
Agent, on behalf of the Noteholders, as the lenders loss payee thereunder; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) after the Closing Date, at the option of
the Issuer in the Issuer&#146;s reasonable discretion, each Subsidiary of Parent that is not then a Grantor (other than Excluded Subsidiaries) can be made a Grantor hereunder pursuant to a joinder agreement in accordance with Section&nbsp;5.13
hereof; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) the Collateral Agent shall have received (x)&nbsp;a counterpart, duly executed and delivered by the
applicable Grantor and the applicable bank, securities intermediary or commodity intermediary, as the case may be, of each Existing Control Agreement with respect to (i)&nbsp;each deposit account maintained by any Grantor in the United States of
America with any bank, (ii)&nbsp;each securities account maintained by any Grantor in the United States of America with any securities intermediary and (iii)&nbsp;each commodity account maintained by any Grantor in the United States of America with
any commodity intermediary (in the case of each of clauses&nbsp;(i) through&nbsp;(iii), other than any such account constituting an Excluded Account) (<I>provided </I>that, in the case of any deposit account, securities account or commodity account
maintained by a Grantor in the United States of America that satisfies any clauses (i)&nbsp;through (iii) after the Closing Date, this requirement shall be required to be satisfied with a customary Control Agreement within 45 days thereafter (or
such longer period as the Required Holders may agree in writing in their discretion) and (y)&nbsp;to the extent any Trust Receipt Account is not subject to a Control Agreement, a copy of a customary Sweep Agreement with respect to such Trust Receipt
Account, duly executed and delivered by the applicable Person and the applicable bank, securities intermediary or commodity intermediary, as the case may be) (<I>provided</I> that, in the case of any Trust Receipt Account that becomes the same after
the Closing Date, this requirement shall be required to be satisfied within 45 days thereafter (or such longer period as the Required Holders may agree in writing in their discretion)). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-4- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding the foregoing provisions of this definition or anything in
this Agreement or any other Note Document to the contrary: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(A) the foregoing definition shall not require, unless
otherwise stated in this clause (A)&nbsp;or in the definition of &#147;Excluded Assets&#148;, the creation or perfection of pledges of, security interests in, Mortgages on, or the obtaining of title insurance or taking other actions with respect to
any Excluded Assets; <I>provided</I> that, notwithstanding anything to the contrary herein, this clause&nbsp;(A) shall not limit the creation or perfection of pledges of, security interests in, Mortgages on, or the obtaining of title insurance or
taking other actions with respect to, and Excluded Assets shall not include, (1)&nbsp;any Proceeds of any assets referred to in clauses&nbsp;(i) through&nbsp;(xiv) of the definition of &#147;Excluded Assets&#148; (unless such Proceeds would
independently constitute assets referred to in clauses&nbsp;(i) through&nbsp;(xiv) of the definition of &#147;Excluded Assets&#148;), (2)&nbsp;any Residual Interests owned by the Issuer (other than the Equity Interests in any Warehouse Facility
Entity) and (3)&nbsp;any Equity Interest in any Securitization Depositor Entity or any proceeds thereof; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(B) no actions in
any <FONT STYLE="white-space:nowrap">non-U.S.</FONT> jurisdiction or required by the laws of any <FONT STYLE="white-space:nowrap">non-U.S.</FONT> jurisdiction shall be required in order to create any security interests in assets located or titled
outside of the U.S., including any intellectual property registered in any <FONT STYLE="white-space:nowrap">non-U.S.</FONT> jurisdiction, or to perfect such security interests (it being understood that there shall be no security agreements or pledge
agreements governed under the laws of any <FONT STYLE="white-space:nowrap">non-U.S.</FONT> jurisdiction); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(C) the Required
Holders in their discretion may grant extensions of time for the creation or perfection of security interests in, and Mortgages on, or obtaining of title insurance or taking other actions with respect to, particular assets (including extensions
beyond the Closing Date) or any other compliance with the requirements of this definition where it reasonably determines in writing, in consultation with the Issuer, that the creation or perfection of security interests and Mortgages on, or
obtaining of title insurance or taking other actions, or any other compliance with the requirements of this definition cannot be accomplished without undue delay, burden or expense by the time or times at which it would otherwise be required by this
Agreement or the Collateral Documents; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(D) The Collateral Agent shall have no duty or obligation to (i)&nbsp;act as
Custodian or (ii)&nbsp;take possession of or hold any documents related to Mortgage Loans, as described in (e)&nbsp;of this definition; and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-5- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(E) Liens required to be granted from time to time pursuant to the
Collateral Requirement shall be subject to exceptions and limitations set forth in this Agreement and the Collateral Documents. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Collateral Documents</B>&#148; has the meaning assigned to such term in the Note Purchase Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Contractual Obligation</B>&#148; means, as to any Person, any provision of any security issued by such Person or of any agreement,
instrument or other undertaking to which such Person is a party or by which it or any of its property is bound. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Control
Agreement</B>&#148; means, with respect to any deposit account, securities account or commodity account maintained by any Grantor, a control agreement in form and substance reasonably satisfactory to the Collateral Agent (or the Controlling
Collateral Agent) and the Required Holders, duly executed and delivered by such Grantor and the bank, the securities intermediary or the commodity intermediary, as the case may be, with which such account is maintained. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Controlling Collateral Agent</B>&#148; has the meaning assigned to such term in the Equal Priority Intercreditor Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Copyright License</B>&#148; means any written agreement, now or hereafter in effect, granting any right to any third party under any
Copyright now owned or hereafter acquired by any Grantor or that such Grantor otherwise has the right to license, or granting any right to any Grantor under any Copyright (determined as if references to the Grantor in the definition of Copyright
were references to the third party) now owned or hereafter acquired by any third party, and all rights of such Grantor under any such agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Copyright Short Form Security Agreement</B>&#148; means an agreement substantially in the form of <U>Exhibit II</U> hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Copyrights</B>&#148; means all of the following now owned or hereafter acquired by any Grantor: (a)&nbsp;all copyright rights in any
work, whether registered or unregistered, arising under the copyright laws of the United States or any other country, whether as author, assignee, transferee or otherwise, and (b)&nbsp;all registrations and applications for registration of any such
copyright in the United States or any other country, including registrations, recordings, supplemental registrations and pending applications for registration in the United States Copyright Office (or any successor office or any similar office in
any country), including those listed on <U>Schedule IV</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Credit Enhancement Agreements</B>&#148; means, collectively, any
documents, instruments, guarantees or agreements entered into by the Issuer, any of its subsidiaries, or any Securitization Entity or Warehouse Facility Entity for the purpose of providing credit support (that is reasonable and customary for such
Indebtedness under then-prevailing market terms for such Indebtedness) with respect to any Permitted Securitization Indebtedness or Permitted Warehouse Indebtedness. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Custodian</B>&#148; shall have the meaning given to such term in clause (e)&nbsp;of the definition of &#147;Collateral
Requirement&#148;. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-6- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Equity Interests</B>&#148; shall be given the meaning assigned to such term in the
Note Purchase Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Equity Priority Intercreditor Agreement</B>&#148; means that certain equal priority intercreditor
agreement, dated as of February&nbsp;5, 2024 (as amended, restated, amended and restated, supplemented or otherwise modified from time to time), by and among the Issuer, the Parent, the other Grantors from time to time party thereto, the Collateral
Agent, as the 2029 notes collateral agent, U.S. Bank Trust Company, National Association, as the 2027 notes collateral agent, and each additional agent from time to time party thereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Excluded Account</B>&#148; means (a)&nbsp;any payroll account so long as such payroll account is a zero balance account,
(b)&nbsp;deposit or securities accounts, amounts on deposit or value of the securities held in which, on an individual account basis, do not exceed $1,000,000 in the aggregate at any one time; provided that deposit accounts and securities accounts
may only be treated as Excluded Accounts pursuant to this clause (b)&nbsp;so long as the amount on deposit or value of the securities held in all such accounts on an aggregate combined basis does not exceed $5,000,000 at any one time,
(c)&nbsp;withholding tax and fiduciary accounts, (d)&nbsp;any collection account, reserve account or other similar account established and solely utilized in accordance with any Permitted Securitization Indebtedness or Permitted Warehouse
Indebtedness, (e)&nbsp;all deposit accounts primarily used for payment of payroll, taxes or employee benefits and (f)&nbsp;mortgage servicing accounts maintained by the a Grantor as servicer or special servicer on behalf of a third-party, so long as
such mortgage servicing accounts are used solely for servicing purposes. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-7- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Excluded Assets</B>&#148; shall mean (i)&nbsp;any fee owned real property (other
than Material Real Properties) and any leasehold rights and interests in real property (including landlord waivers, estoppels and collateral access letters), (ii)&nbsp;(A) motor vehicles and other assets subject to certificates of title and
(B)&nbsp;commercial tort claims where the amount of damages claimed by the applicable Grantor is less than $2,000,000 (it being understood that all such assets are still intended to constitute Collateral, even though perfection beyond a Uniform
Commercial Code filing is not required hereunder), (iii) any particular asset if, to the extent and for so long as the pledge thereof or the security interest therein is prohibited by Law (including any requirement to obtain consent of any
Governmental Authority) other than to the extent such prohibition is expressly deemed ineffective under the Uniform Commercial Code or other applicable Law or principle or equity and except that proceeds and receivables thereof shall constitute
Collateral, (iv)&nbsp;Equity Interests in any Person other than Parent, the Issuer and their wholly-owned subsidiaries (other than any Warehouse Facility Entity) that cannot be pledged without the consent of one or more third parties other than
Parent, the Issuer or any of its or their wholly-owned subsidiaries (other than to the extent such restriction is expressly deemed ineffective under the Uniform Commercial Code or other applicable Law or principle of equity and except that proceeds
and receivables thereof shall constitute Collateral), (v)&nbsp;(A) any permitted contract, lease, instrument, license, state or local franchise, charter and authorization, if, to the extent and for so long as the pledges thereof and security
interests therein are prohibited by such permitted contract, lease, instrument, license, state or local franchise, charter and authorization, in each case, except to the extent that such prohibition is expressly deemed ineffective under the Uniform
Commercial Code or other applicable Law or principle of equity, and other than proceeds and receivables thereof, the assignment of which is expressly deemed effective (or such prohibition is deemed ineffective) under the Uniform Commercial Code or
other applicable Law or principle of equity, and (B)&nbsp;any assets subject to purchase money liens or capital leases, if, to the extent and for so long as the pledges thereof and security interests therein are prohibited by contracts relating to
such purchase money liens or capital leases, in each case, except to the extent that such prohibition is expressly deemed ineffective under the Uniform Commercial Code or other applicable Law or principle of equity, and other than proceeds and
receivables thereof, the assignment of which is expressly deemed effective (or such prohibition is deemed ineffective) under the Uniform Commercial Code or other applicable Law or principle of equity, (vi)&nbsp;licenses, leases, other agreements to
the extent that the Collateral Agent may not validly possess a security interest therein under applicable Laws or the pledge or creation of a security interest in which would require governmental consent, approval, license or authorization (except
to the extent any such prohibition is expressly deemed ineffective under the Uniform Commercial Code or other applicable Law or principle of equity and except that proceeds and receivables thereof shall constitute Collateral), (vii) the creation or
perfection of pledges of, or security interests in, any property or assets that would result in material adverse tax consequences to Parent, the Issuer or any of its wholly-owned subsidiaries, as determined in the reasonable judgment of the Issuer,
(viii)&nbsp;letter of credit rights, except to the extent constituting a support obligation for other Collateral as to which perfection of the security interest in such other Collateral is accomplished solely by the filing of a Uniform Commercial
Code financing statement (it being understood that no actions shall be required to perfect a security interest in letter of credit rights, other than the filing of a Uniform Commercial Code financing statement), (ix) any <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">intent-to-use</FONT></FONT> trademark application prior to the filing of a &#147;Statement of Use&#148; or &#147;Amendment to Allege Use&#148; with respect thereto, to the extent, if any,
that, and solely during the period, if any, in which, the grant of a security interest therein would impair the validity or enforceability of such <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">intent-to-use</FONT></FONT>
trademark application under applicable federal Law, (x)&nbsp;any letter of credit rights to the extent a Grantor is required by applicable law to apply the proceeds of a drawing of the related letter of credit for a specific purpose,
(xi)&nbsp;mortgage servicing accounts maintained by a Grantor as servicer or special servicer on behalf of a third-party, so long as such mortgage servicing accounts are used solely for servicing purposes, (xii) &#147;Purchased Items&#148; or
&#147;Purchased Assets&#148; or any similar term for assets subject to repurchase under any Warehouse Facility Documentation for any Permitted Warehouse Indebtedness or assets subject to Permitted Liens described under clause (o)&nbsp;of such
definition in the Note Purchase Agreement, (xiii)&nbsp;Equity Interests in Century Health&nbsp;&amp; Housing Capital, LLC and (xiv)&nbsp;any particular assets if, as reasonably determined by the Issuer, the burden, cost or consequences of creating
or perfecting such pledges or security interests in such assets or obtaining title insurance is excessive in relation to the benefits to be obtained therefrom by the Noteholders under the Note Documents. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Excluded Subsidiaries</B>&#148; shall mean (i)&nbsp;any Subsidiary that is not a wholly owned (other than in respect of Equity
Interests issued to directors, officers and employees of such Subsidiary) Subsidiary of the Issuer on the Closing Date or at the time it becomes a Subsidiary of the Issuer, (ii)&nbsp;any Subsidiary that is prohibited by applicable law or contractual
obligations existing on the Closing Date (or, in the case of any newly acquired Subsidiary, in existence at the time of acquisition but not entered into in contemplation thereof) from guaranteeing the Notes or if guaranteeing the Notes would require
governmental (including regulatory) consent, approval, license or authorization (unless such consent, approval, license or authorization has been obtained), (iii) any other Subsidiary with respect to which, in the reasonable judgment of the Issuer,
the burden or cost or other consequences (including any material adverse tax consequences) of providing a guarantee shall be excessive in view of the benefits to be obtained by the Noteholders therefrom, (iv)&nbsp;any Securitization Entity and/or
(v)&nbsp;any Warehouse Facility Entity. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-8- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Existing Control Agreement</B>&#148; shall mean (i)&nbsp;that certain Securities
Account Control Agreement dated as of March&nbsp;15, 2022 (as amended, restated, waived, supplemented and/or otherwise modified from time to time) among the Issuer, as the debtor, U.S. Bank Trust Company, National Association, as the secured party,
and U.S. Bank National Association, as the securities intermediary and (ii)&nbsp;that certain Deposit Account and Sweep Investment Control Agreement dated as of March&nbsp;15, 2022 (as amended, restated, waived, supplemented and/or otherwise
modified from time to time) among the Issuer, the Parent, U.S. Bank Trust Company, National Association, as the secured party, and Wells Fargo Bank, National Association, as the bank. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>General Intangibles</B>&#148;<B> </B>has the meaning specified in Article 9 of the New York UCC and includes corporate or other
business records, indemnification claims, contract rights (including rights under leases, whether entered into as lessor or lessee, swap agreements and other agreements), goodwill, registrations, franchises, tax refund claims and any guarantee,
claim, security interest or other security held by or granted to any Grantor, as the case may be, to secure payment by an Account Debtor of any of the Accounts. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Grantor</B>&#148; has the meaning assigned to such term in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Guarantee</B>&#148; shall have the meaning given to such term in the Note Purchase Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Insurance</B>&#148; means (i)&nbsp;all insurance policies covering any or all of the Collateral (regardless of whether the Collateral
Agent is the loss payee thereof) and (ii)&nbsp;key man life insurance policies, if any. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Intellectual Property</B>&#148; means
any and all intellectual and similar property of every kind and nature now owned or hereafter acquired by any Grantor and arising under the laws of the United States or any other country, including inventions, designs, Patents, Copyrights, Licenses,
Trademarks, trade secrets, confidential or proprietary technical and business information, <FONT STYLE="white-space:nowrap">know-how,</FONT> <FONT STYLE="white-space:nowrap">show-how</FONT> or other data or information, software and databases and
all embodiments or fixations thereof and related documentation, registrations and franchises, and all additions, improvements, income, fees, royalties, damages, claims and payments now and hereafter due and/or payable with respect to any of the
foregoing, rights to sue for past, present and future infringement, misappropriation or other violations of the foregoing, and accessions to, and books and records describing or used in connection with, any of the foregoing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Intellectual Property Collateral</B>&#148; means Collateral consisting of Intellectual Property. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Intercompany Note</B>&#148; shall mean an intercompany a promissory note, dated as of March&nbsp;15, 2022 (as amended and restated as
of the date hereof), executed and delivered by the Grantors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Issuer</B>&#148; has the meaning assigned to such term in the
preamble hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>License</B>&#148; means any Patent License, Trademark License, Copyright License or other license or sublicense
agreement relating to Intellectual Property to which any Grantor is a party. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Material Real Property</B>&#148; means any fee
owned or ground leased real property (including any REO Assets that are not pledged in connection with any Permitted Warehouse Indebtedness or any Permitted Securitization Indebtedness) owned by the Issuer or the Parent, as applicable, with a fair
market value in excess of $5,000,000 (at the Closing Date or, with respect to real property acquired after the Closing Date, at the time of acquisition, in each case, as reasonably estimated by the Issuer in good faith in accordance with GAAP). </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-9- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Mortgage Loan</B>&#148; shall have the meaning given to such term in the Note
Purchase Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Mortgage Note</B>&#148; shall have the meaning given to such term in the Note Purchase Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Mortgage Policies</B>&#148; has the meaning set forth in clause (f)&nbsp;of the definition of &#147;Collateral Requirement.&#148;
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Mortgaged Property</B>&#148; has the meaning set forth in clause (f)&nbsp;of the definition of &#147;Collateral
Requirement.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Mortgages</B>&#148; means collectively, the deeds of trust, trust deeds, hypothecs and mortgages made by the
Note Parties in favor or for the benefit of the Collateral Agent on behalf of the Secured Parties creating and evidencing a Lien on a Mortgaged Property in form and substance reasonably satisfactory to the Required Holders with such terms and
provisions as may be required by the applicable Laws of the relevant jurisdiction, and any other mortgages executed and delivered pursuant to Sections 10.7 and Section&nbsp;10.8 of the Note Purchase Agreement, in each case, as the same may from time
to time be amended, restated, supplemented, or otherwise modified. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>New York UCC</B>&#148; means the Uniform Commercial Code as
from time to time in effect in the state of New York. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Notes</B>&#148; has the meaning assigned to such term in the preliminary
statement of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Note Documents</B>&#148; shall mean the Notes, the Note Purchase Agreement and the Collateral
Documents. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Note Purchase Agreement</B>&#148;<B> </B>has the meaning assigned to such term in the preliminary statement of this
Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Obligations</B>&#148; means any principal, interest (including any interest accruing subsequent to the filing of a
petition in bankruptcy, reorganization or similar case or proceeding at the rate provided for in the documentation with respect thereto, whether or not such interest is an allowed or allowable claim under applicable state, federal or foreign law),
premium, penalties, fees, indemnifications, reimbursements (including reimbursement obligations with respect to letters of credit and bankers&#146; acceptances), damages and other liabilities, and guarantees of payment of such principal, interest,
premium, penalties, fees, indemnifications, reimbursements, damages and other liabilities, payable under the documentation governing any Indebtedness. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Parent</B>&#148; has the meaning assigned to such term in the preamble hereto. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-10- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Patent License</B>&#148; means any written agreement, now or hereafter in effect,
granting to any third party any right to make, use or sell any invention on which a Patent, now owned or hereafter acquired by any Grantor or that any Grantor otherwise has the right to license, is in existence, or granting to any Grantor any right
to make, use or sell any invention on which a Patent (determined as if references to the Grantor in the definition of Patent were references to the third party), now owned or hereafter acquired by any third party, is in existence, and all rights of
any Grantor under any such agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Patent Short Form Security Agreement</B>&#148; means an agreement substantially in the
form of <U>Exhibit IV</U> hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Patents</B>&#148; means all of the following now owned or hereafter acquired by any Grantor:
(a)&nbsp;all letters patent of the United States or the equivalent thereof in any other country, all registrations and recordings thereof, and all applications for letters patent of the United States or the equivalent thereof in any other country,
including registrations, recordings and pending applications in the United States Patent and Trademark Office (or any successor or any similar office in any other country), including those listed on <U>Schedule IV</U>, and (b)&nbsp;all reissues,
continuations, divisions, <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">continuations-in-part,</FONT></FONT> renewals or extensions thereof, and the inventions disclosed or claimed therein, including the right to make, use and/or
sell the inventions disclosed or claimed therein. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Paying Agent</B>&#148; shall mean the Paying Agent as defined in the Note
Purchase Agreement, initially UMB Bank, National Association. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Perfection Certificate</B>&#148; shall mean the Perfection
Certificate, dated as of the date hereof, executed and delivered to the Collateral Agent by the Grantors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Permitted
Liens</B>&#148; means, with respect to any Collateral, (i)&nbsp;any nonconsensual Lien that is permitted pursuant to Section&nbsp;11.2 of the Note Purchase Agreement and has priority as a matter of law and (ii)&nbsp;Liens that are expressly
permitted to be on such Collateral and to rank, in right of priority, pari passu with or senior to the Liens on such Collateral securing the Secured Notes Obligations, in each case, pursuant to Section&nbsp;11.2 of the Note Purchase Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Permitted Securitization Indebtedness</B>&#148; means Securitization Indebtedness; <I>provided</I> that (a)&nbsp;in connection with
any Securitization, any Warehouse Indebtedness used to finance the purchase, origination or pooling of any Securitization Assets subject to such Securitization is repaid in full in connection with such Securitization solely from the net proceeds
received by the Issuer and its subsidiaries from the applicable Securitization Issuer Entity, (b)&nbsp;such Securitization Indebtedness shall not constitute an obligation (including any obligation pursuant to a guarantee) of Parent, the Issuer or
any of its subsidiaries (other than the applicable Securitization Issuer Entity), (c) such Securitization Indebtedness shall not be secured by any lien on any asset other than the Securitization Assets owned the applicable Securitization Issuer
Entity that are subject to such Securitization, (d)&nbsp;any residual interest in the applicable Securitization Issuer Entity shall be held directly by the Issuer or any Subsidiary Party or is subject to a repurchase or similar transaction permitted
under the Note Documents, to the extent retained, at the time of the issuance thereof, solely to address bankruptcy remoteness requirements, a Securitization Depositor Entity and (e)&nbsp;in the case of Residual Interests held by the Issuer or a
Subsidiary Party, the Secured Note Obligations of such Person shall have been secured by a legal, valid, perfected first-priority security interest therein, subject, as to priority, to any Permitted Liens. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-11- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Permitted Warehouse Indebtedness</B>&#148; means Warehouse Indebtedness;
<I>provided</I> that (a)&nbsp;the aggregate weighted average purchase price, advance rate or similar term under such Warehouse Indebtedness, as measured on an aggregate basis across all outstanding Permitted Warehouse Indebtedness, shall not exceed
95% of the lesser of (i)&nbsp;unpaid principal balance of the mortgage loans, mortgage related securities or other mortgage-related receivables, (ii)&nbsp;acquisition price or (iii)&nbsp;fair market value of the mortgage loans, mortgage related
securities, other mortgage-related receivables or &#147;REO&#148; assets, as applicable, under the Warehouse Facility Documentation under the applicable Warehouse Facilities, (b)&nbsp;such Warehouse Indebtedness shall not constitute an obligation
(including any obligation pursuant to a guarantee (other than any guarantee of Parent that is reasonable and customary and consistent with past practices of the Issuer and its subsidiaries), but excluding any obligation pursuant to a Credit
Enhancement Agreement) of Parent, the Issuer or any of its subsidiaries (other than the entity that is the seller or the Issuer, as applicable, under the Warehouse Facility documentation under the applicable Warehouse Facilities), (c) such Warehouse
Indebtedness shall not be secured by any lien on any asset other than (i)(A) the mortgage loans, mortgage related securities, other mortgage-related receivables or &#147;REO&#148; assets, as applicable, acquired or originated with the proceeds of,
or financed or refinanced (including through repurchase or similar arrangements) in order to further acquire or originate assets with respect to, such Warehouse Indebtedness and (B)&nbsp;any intangible contract rights and proceeds of, and other,
related documents, records and assets directly related to the assets set forth in the preceding clause (i)(A) of this clause (c)&nbsp;and (ii) the equity interests of any Warehouse Facility Entity and (d)&nbsp;any residual interest in any Warehouse
Facility Entity shall be held directly by the Issuer or a subsidiary; <I>provided</I>, <I>further</I> that solely as of the date of the incurrence of such Warehouse Indebtedness, the amount of any excess (determined as of the most recent date for
which internal financial statements are available) of (x)&nbsp;the amount of any such Warehouse Indebtedness for which the holder thereof has contractual recourse to Parent, the Issuer or any of its subsidiaries (other than any Warehouse Facility
Entity) to satisfy claims with respect to such Warehouse Indebtedness (excluding recourse for matters such as fraud, misappropriation, breaches of representations and warranties and misapplication) over (y)&nbsp;the aggregate (without duplication of
amounts) realizable value of the assets that secure such Warehouse Indebtedness shall not be Permitted Warehouse Indebtedness. The amount of any particular Permitted Warehouse Indebtedness as of any date of determination shall be calculated in
accordance with GAAP. Indebtedness under each of the Warehouse Facilities in effect on the Closing Date is Permitted Warehouse Indebtedness. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Pledged Collateral</B>&#148; has the meaning assigned to such term in Section&nbsp;2.01. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Pledged Debt</B>&#148;<B> </B>has the meaning assigned to such term in Section&nbsp;2.01. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Pledged Equity</B>&#148; has the meaning assigned to such term in Section&nbsp;2.01. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Pledged Residual Interests</B>&#148; has the meaning assigned to such term in Section&nbsp;2.01. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Pledged Securities</B>&#148; means any promissory notes, stock certificates, unit certificates, limited or unlimited liability
company certificates, trust certificates, pass-through certificates, asset-backed notes or other securities now or hereafter included in the Pledged Collateral, including all certificates, instruments or other documents representing or evidencing
any Pledged Collateral. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-12- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Receivable</B>&#148; means any right to payment for goods or other property sold,
leased, licensed or otherwise disposed of or for services rendered, whether or not such right is evidenced by an Instrument or Chattel Paper or classified as a Payment Intangible and whether or not it has been earned by performance (including,
without limitation, any Account). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>REO Asset</B>&#148; shall have the meaning given to such term in the Note Purchase Agreement.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Required Holders</B>&#148; shall have the meaning assigned to such term in the Note Purchase Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Residual Interests</B>&#148; means any residual or retained ownership interest (which may constitute Equity Interests, Indebtedness
or any other interests) held by or acquired by the Issuer or a subsidiary in any Securitization Entity or any Warehouse Facility Entity, regardless of whether required to appear on the face of the consolidated financial statements in accordance with
GAAP. For the avoidance of doubt, (a)&nbsp;all of the ownership interests in any Securitization Issuer Entity (including (i)&nbsp;pass-through certificates representing undivided beneficial ownership interests in the assets of any Securitization
Issuer Entity and (ii)&nbsp;asset-backed notes issued by any Securitization Issuer Entity backed by the assets of such Securitization Issuer Entity) held by or acquired by the Issuer or a subsidiary, (b)&nbsp;all of the Equity Interests in any
Securitization Depositor Entity held by or acquired by the Issuer or a Subsidiary and (c)&nbsp;all of the Equity Interests in any Warehouse Facility Entity held by or acquired by the Issuer or a Subsidiary, in each case, shall constitute Residual
Interests. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Satisfaction</B>&#148; has the meaning assigned to such term in the Note Purchase Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Secured Notes Obligations</B>&#148; means Obligations in respect of the Notes, the Note Purchase Agreement (including the Guarantee),
and the Collateral Documents relating to the Notes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Secured Parties</B>&#148; means the Collateral Agent and the Noteholders.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Securitization</B>&#148; means a public or private transfer, sale or financing of mortgage loans (collectively,
&#147;<B>Securitization Assets</B>&#148;) by which the Issuer or any of its subsidiaries directly or indirectly securitizes a pool of specified Securitization Assets including, without limitation, any such transaction involving the sale of specified
mortgage loans to a Securitization Entity. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Securitization Assets</B>&#148; has the meaning specified in the definition of
&#147;Securitization.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Securitization Depositor Entity</B>&#148; means any special purpose subsidiary established
exclusively for the purpose of selling, depositing or contributing Securitization Assets into a Securitization Issuer Entity and/or holding securities in any Securitization Issuer Entity; <I>provided that</I> (a)&nbsp;such entity is a direct, wholly
owned subsidiary of the Issuer or a wholly owned Subsidiary Party, (b)&nbsp;the obligations of such entity are secured by a legal, valid, perfected first-priority security interest in all of the equity interests of such entity, subject, as to
priority, to any Permitted Liens, (c)&nbsp;such entity does not own any residual interests, except for those retained, at the time of the issuance thereof, solely to address bona fide bankruptcy remoteness requirements, (d)&nbsp;the organization
documents of such person are not less restrictive on the activities of such entity than, or otherwise more adverse to the holders than, the organization documents of VCC Mortgage Securities (as in effect on the Closing Date) and (e)&nbsp;such entity
is in compliance in all respects with the provisions of the Note Purchase Agreement regarding securitizations. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-13- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Securitization Entity</B>&#148; means (a)&nbsp;any Securitization Issuer Entity and
(b)&nbsp;any Securitization Depositor Entity; <I>provided </I>that, to the extent that any Securitization Entity engages in any business or business activity for which such Securitization Entity was not exclusively established or formed, such
Securitization Entity shall not constitute a Securitization Entity. As of the Closing Date, VCC Mortgage Securities, LLC and the Issuer&#146;s existing consolidated securitization trusts shall be deemed to satisfy the requirements of the foregoing
definition. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Securitization Indebtedness</B>&#148; means indebtedness of the Issuer or any of its subsidiaries incurred pursuant
to <FONT STYLE="white-space:nowrap">on-balance</FONT> sheet Securitizations treated as financings. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Securitization Issuer
Entity</B>&#148; means any entity established exclusively for the purpose of issuing asset-backed or mortgaged-backed or mortgage pass-through securities of any kind (including collateralized mortgage obligations and net interest margin securities).
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Security Agreement Supplement</B>&#148;<B> </B>means an agreement substantially in the form of <U>Exhibit I</U> hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Security Interest</B>&#148;<B> </B>has the meaning assigned to such term in Section&nbsp;3.01(a). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Subsidiary</B>&#148; shall have the meaning given to such term in the Note Purchase Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Subsidiary Parties</B>&#148; each Subsidiary of the Issuer that, at the option of the Issuer, becomes a party to this Agreement, as a
Subsidiary Party after the Closing Date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Sweep Agreement</B>&#148; means, with respect to any Trust Receipt Account, a
&#147;sweep&#148; agreement in customary form, duly executed and delivered by the applicable Person and the bank, the securities intermediary or the commodity intermediary, as the case may be, with which such Trust Receipt Account is maintained,
pursuant to which such depository, securities intermediary or commodity intermediary will agree to sweep automatically amounts deposited therein on a daily basis to a deposit account subject to a Control Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Termination Date</B>&#148; shall mean the date of Satisfaction. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Trademark License</B>&#148; means any written agreement, now or hereafter in effect, granting to any third party any right to use any
Trademark now owned or hereafter acquired by any Grantor or that any Grantor otherwise has the right to license, or granting to any Grantor any right to use any Trademark (determined as if references to the Grantor in the definition of Trademark
were references to the third party) now owned or hereafter acquired by any third party, and all rights of any Grantor under any such agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-14- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Trademark Short Form Security Agreement</B>&#148; means an agreement substantially
in the form of <U>Exhibit III</U> hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Trademarks</B>&#148; means all of the following now owned or hereafter acquired by any
Grantor arising under the laws of the United States: (a)&nbsp;all trademarks, service marks, trade names, domain names, corporate names, company names, business names, fictitious business names, trade styles, trade dress, logos, other source or
business identifiers, designs and general indicators of like nature, now existing or hereafter adopted or acquired, all registrations and recordings thereof, and all registration and recording applications filed in connection therewith, including
registrations and registration applications in the United States Patent and Trademark Office or any similar offices in any State of the United States, and all extensions or renewals thereof, including those listed on <U>Schedule IV</U>, and
(b)&nbsp;all goodwill associated therewith or symbolized thereby. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Trust Receipt Account</B>&#148; means each deposit,
securities, commodity or similar account maintained by any Person in which trust proceeds are deposited in connection with any Permitted Securitization Indebtedness (including, without limitation, the deposit account of the Issuer at Wells Fargo
Bank, National Association with the account number ending in 2976). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Underlying Mortgage</B>&#148; shall have the meaning given
to such term in the Note Purchase Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Underlying Mortgaged Property</B>&#148; shall have the meaning given to such term
in the Note Purchase Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Underlying Obligor</B>&#148; shall have the meaning given to such term in the Note Purchase
Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Warehouse Facility</B>&#148; means any financing arrangement of any kind, including, but not limited to, 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 exclusively to
(a)&nbsp;finance or refinance the purchase, origination or funding by the Issuer or any of its subsidiaries of, provide funding to the Issuer or any of its subsidiaries through the transfer of, loans, mortgage related securities and other
mortgage-related receivables purchased or originated by the Issuer or any of its subsidiaries in the ordinary course of business or (b)&nbsp;finance or refinance the carrying of &#147;REO&#148; assets related to loans and other mortgage-related
receivables purchased or originated by the Issuer or any of its subsidiaries, provided that such purchase, origination, pooling, funding, refinancing and carrying is in the ordinary course of business. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Warehouse Facility Documentation</B>&#148; means the documentation governing the terms of any Warehouse Facility Entity or any
Warehouse Indebtedness. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Warehouse Facility Entity</B>&#148; means VCC Capital Source Financing, LLC, a Delaware limited
liability company and a direct, wholly owned subsidiary of the Issuer, Velocity ABF, LLC, a Delaware limited liability company and a direct, wholly owned subsidiary of the Issuer, VCC ND, LLC, a Delaware limited liability company and a direct,
wholly owned subsidiary of the Issuer, or any other direct, wholly owned subsidiary of the Issuer that may enter into a Warehouse Facility from time to time; provided that (a)&nbsp;such entity shall not engage in any business or activity other than
the ownership, operation and maintenance of Mortgage Loans acquired by such entity, and activities incidental thereto, (b)&nbsp;such entity shall not own any material assets other than Mortgage Loans acquired by such entity, and such incidental
personal property as may be necessary for the operation of the Mortgage Loans, (c)&nbsp;such entity shall not incur any Indebtedness except pursuant to the Warehouse Facility Documentation to which such entity is a party and (d) 100% of the Equity
Interests in such entity shall be held directly by the Issuer. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-15- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Warehouse Indebtedness</B>&#148; means indebtedness in connection with a Warehouse
Facility; the amount of any particular Warehouse Indebtedness as of any date of determination shall be calculated in accordance with GAAP. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE II </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Pledge
of Securities </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 2.01. <U>Pledge</U>. As security for the payment or performance, as the case may be, in full of the Secured
Notes Obligations, each Grantor hereby assigns and pledges to the Collateral Agent, its successors and assigns, for the benefit of the Secured Parties, and hereby grants to the Collateral Agent, its successors and assigns, for the benefit of the
Secured Parties, a legal, valid and enforceable continuing security interest in, all of such Grantor&#146;s right, title and interest in, to and under, whether now owned or hereafter acquired or arising: all Equity Interests held by it and listed
opposite the name of such Grantor on <U>Schedule II</U>, all other Equity Interests held by or obtained in the future by such Grantor and the certificates, if any, representing all such Equity Interests (the &#147;<B>Pledged Equity</B>&#148;);<B>
</B><I>provided </I>that the Pledged Equity shall not include Excluded Assets; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;(A) the debt securities, promissory notes and
other instruments evidencing Indebtedness owned by it and listed opposite the name of such Grantor on <U>Schedule II</U> and (B)&nbsp;all debt securities, promissory notes (including Intercompany Notes) and all other instruments evidencing
Indebtedness held by or obtained in the future by such Grantor (the debt securities, promissory notes and instruments referred to in clauses (A)&nbsp;and (B) of this clause (ii)&nbsp;are collectively referred to as the &#147;<B>Pledged
Debt</B>&#148;);<B> </B><I>provided </I>that the Pledged Debt shall not include any Excluded Assets; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii) all Residual Interests held by
it and listed opposite the name of such Grantor on <U>Schedule II</U>, all other Residual Interests held by or obtained in the future by such Grantor and the certificates or instruments, if any, representing all such Residual Interests (the
&#147;<B>Pledged Residual Interests</B>&#148;);<B> </B><I>provided </I>that the Pledged Residual Interests shall not include Excluded Assets; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iv) all other property that may be delivered to and held by the Collateral Agent pursuant to the terms of this Agreement; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(v) subject to Section&nbsp;2.06, all payments of principal or interest, dividends, cash, instruments and other property from time to time
received, receivable or otherwise distributed in respect of, in exchange for or upon the conversion of, and all other Proceeds received in respect of, the securities or other property referred to in clauses (i), (ii), (iii) and (iv)&nbsp;above; </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-16- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(vi) subject to Section&nbsp;2.06, all rights and privileges of such Grantor with respect to
the securities and other property referred to in clauses (i), (ii), (iii), (iv) and (v)&nbsp;above; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(vii) all Proceeds of any of the
foregoing </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(the items referred to in clauses (i)&nbsp;through (vii) above being collectively referred to as the &#147;<B>Pledged Collateral</B>&#148;).
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">TO HAVE AND TO HOLD the Pledged Collateral, together with all right, title, interest, powers, privileges and preferences pertaining or
incidental thereto, unto the Collateral Agent, its successors and assigns, for the benefit of the Secured Parties, forever, subject, however, to the terms, covenants and conditions hereinafter set forth. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 2.02. <U>Delivery of the Pledged Collateral</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Each Grantor agrees promptly (but in any event within 5 days after receipt by such Grantor (or such longer period as the Collateral Agent
may agree at the written direction of the Required Holders)) to deliver or cause to be delivered to the Collateral Agent, for the benefit of the Secured Parties, any and all Pledged Securities (other than any uncertificated securities, but only for
so long as such securities remain uncertificated) to the extent such Pledged Securities, in the case of promissory notes or other instruments evidencing Indebtedness, are required to be delivered pursuant to paragraph (b)&nbsp;of this
Section&nbsp;2.02. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Upon delivery to the Collateral Agent, (i)&nbsp;any Pledged Securities shall be accompanied by undated stock or
note powers duly executed in blank or other undated instruments of transfer reasonably necessary and by such other undated instruments and documents as are customary or as the Collateral Agent may reasonably request and (ii)&nbsp;all other property
comprising part of the Pledged Collateral shall be accompanied by proper instruments of assignment duly executed by the applicable Grantor and such other instruments or documents as reasonably necessary. Each delivery of Pledged Securities after the
date hereof shall be accompanied by a schedule describing the securities, which schedule shall be attached hereto as <U>Schedule II</U> and made a part hereof; <I>provided </I>that failure to attach any such schedule hereto shall not affect the
validity of such pledge of such Pledged Securities. Each schedule so delivered shall supplement any prior schedules so delivered. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION
2.03. <U>Representations, Warranties and Covenants</U>. Each Grantor represents, warrants and covenants to and with the Collateral Agent, for the benefit of the Secured Parties, that: <U>Schedule II</U> correctly sets forth, as of the Closing Date
and as of each date on which a supplement to <U>Schedule II</U> is delivered to the Collateral Agent, (i)&nbsp;the percentage of the issued and outstanding units or shares (as applicable) of each class of the Equity Interests of the issuer thereof
represented by the Pledged Equity and includes all Equity Interests, Residual Interests, debt securities, promissory notes and instruments required to be pledged hereunder in order to satisfy the Collateral Requirement and (ii)&nbsp;under the
headings &#147;Securities Accounts&#148; and &#147;Deposit Accounts&#148; respectively, all of the Securities Accounts and Deposit Accounts in which each Grantor has an interest (and that are not Excluded Assets); </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) each of the Grantors has good and valid rights in and title to the Pledged Collateral with respect to which it has purported to grant a
security interest in such Pledged Collateral pursuant hereto and has full power and authority to execute, deliver and perform its obligations in accordance with the terms of this Agreement, without consent or approval of any other Person other than
consent or approval that has been obtained; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-17- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) the Pledged Equity, Pledged Debt (with respect to Pledged Debt issued by a Person other
than Parent, the Issuer or a Subsidiary of Parent, solely to the best of the Issuer&#146;s knowledge) and Pledged Residual Interests have been duly and validly authorized and issued by the issuers thereof and (i)&nbsp;the case of Pledged Equity
(other than Pledged Equity consisting of limited liability company interests or partnership interests, which cannot be fully paid or nonassessable), are fully paid and nonassessable, (ii)&nbsp;in the case of Pledged Debt (with respect to Pledged
Debt issued by a Person other than the Parent, the Issuer or a Subsidiary of the Issuer, solely to the best of the Issuer&#146;s knowledge), are legal, valid and binding obligations of the issuers thereof and (iii)&nbsp;in the case of Pledged
Residual Interests, are (A)&nbsp;legal, valid and binding obligations of the issuers thereof or (B) (other than Pledged Residual Interests consisting of trust certificates, limited liability company interests or partnership interests, which cannot
be fully paid or nonassessable), are fully paid and nonassessable, as the case may be; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) except for the security interests granted
hereunder, each of the Grantors (i)&nbsp;is and, subject to any transfers made in compliance with the Note Purchase Agreement, will continue to be the direct owner, beneficially and of record, of the Pledged Securities, including, without
limitation, those Pledged Securities indicated on <U>Schedule II</U>, as owned by such Grantors, (ii)&nbsp;holds the same free and clear of all Liens, other than (A)&nbsp;Liens created by the Collateral Documents and (B)&nbsp;Liens expressly
permitted pursuant to Section&nbsp;11.2 of the Note Purchase Agreement, (iii)&nbsp;will make no assignment, pledge, hypothecation or transfer of, or create or permit to exist any security interest in or other Lien on, the Pledged Collateral, other
than (A)&nbsp;Liens created by the Collateral Documents and (B)&nbsp;Liens that are expressly permitted to be on the Pledged Collateral pursuant to Section&nbsp;11.2 of the Note Purchase Agreement, and (iv)&nbsp;will defend its title or interest
thereto or therein against all Persons and the security interest hereunder against any and all Liens (other than the Liens permitted pursuant to this Section&nbsp;2.03(d)), however arising, of all Persons whomsoever; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) except for restrictions and limitations imposed by the Note Documents, securities laws generally, or with respect to limited liability
companies (other than with respect to the Equity Interests of VCC Mortgage Securities), limited liability company laws, the Pledged Collateral is and will continue to be freely transferable and assignable, and none of the Pledged Collateral is or
will be subject to any option, right of first refusal, shareholders agreement, charter or <FONT STYLE="white-space:nowrap">by-law</FONT> provisions or contractual restriction of any nature that might prohibit, impair, delay or otherwise affect in
any manner adverse to the Secured Parties the pledge of such Pledged Collateral hereunder, the sale or disposition thereof pursuant hereto or the exercise by the Collateral Agent of rights and remedies hereunder; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) each of the Grantors has the power and authority to pledge the Pledged Collateral pledged by it hereunder in the manner hereby done or
contemplated; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-18- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) no consent or approval of any Governmental Authority, any securities exchange or any
other Person is or will be necessary for the validity of the pledge effected hereby (other than such as have been obtained and are in full force and effect); </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) by virtue of the execution and delivery by the Grantors of this Agreement, when any Pledged Securities are delivered to the Collateral
Agent in accordance with this Agreement, the Collateral Agent, for the benefit of the Secured Parties, will obtain a legal, valid, perfected first-priority (subject to any Permitted Liens) lien upon and security interest in such Pledged Securities
as security for the payment and performance of the Secured Notes Obligations; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) the pledge effected hereby is effective to vest in
the Collateral Agent, for the benefit of the Secured Parties, the rights of the Collateral Agent in the Pledged Collateral as set forth herein. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subject to the terms of this Agreement and to the extent permitted by applicable law, each Grantor hereby agrees that upon the occurrence and
during the continuance of an Event of Default, it will comply with instructions of the Collateral Agent (as directed by the Required Holders) with respect to the Equity Interests in such Grantor that constitute Pledged Equity hereunder that are not
certificated without further consent by the applicable owner or holder of such Equity Interests. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding anything to the contrary
in this Agreement, to the extent any provision of this Agreement or the Note Purchase Agreement excludes any assets from the scope of the Pledged Collateral, or from any requirement to take any action to perfect any security interest in favor of the
Collateral Agent in the Pledged Collateral, the representations, warranties and covenants made by any relevant Grantor in this Agreement with respect to the creation, perfection or priority (as applicable) of the security interest granted in favor
of the Collateral Agent (including, without limitation, this Section&nbsp;2.03) shall be deemed not to apply to such excluded assets to the extent of such exclusion. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 2.04. <U>Certification of Limited Liability Company and Limited Partnership Interests</U>. Any equity interest in any limited
liability company or limited partnership controlled now or in the future by any Grantor and required to be pledged under Section&nbsp;2.01 shall either (a)&nbsp;be represented by a certificate, shall be a &#147;security&#148; within the meaning of
Article 8 of the New York UCC, and shall be delivered to the Collateral Agent or (b)&nbsp;not have been elected to be treated as a &#147;security&#148; within the meaning of Article 8 of the New York UCC and shall not be represented by a
certificate; <I>provided</I> that, without the prior written consent of the Required Holders, no equity interest in any limited liability company or limited partnership that is a Securitization Depositor Entity shall elect to be treated as a
&#147;security&#148; within the meaning of Article 8 of the New York UCC. To the extent an interest in any limited liability company or limited partnership controlled by any Grantor and pledged under Section&nbsp;2.01 is certificated or becomes
certificated, (i)&nbsp;each such certificate shall be delivered to the Collateral Agent pursuant to Section&nbsp;2.02(a) and (ii)&nbsp;such Grantor shall fulfill all other requirements under Section&nbsp;2.02 applicable in respect thereof. Such
Grantor hereby agrees that if any of the Pledged Collateral are at any time not evidenced by certificates of ownership, then each applicable Grantor shall, to the extent permitted by applicable law, if necessary or desirable to perfect a security
interest in such Pledged Collateral, upon the reasonable request of the Collateral Agent or the Required Holders, cause such pledge to be recorded on the equity holder register or the books of the issuer and execute any customary pledge forms or
other documents necessary or appropriate to complete the pledge and give the Collateral Agent, for the benefit of the Secured Parties, the right to transfer such Pledged Collateral under the terms hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 2.05. <U>Registration in Nominee Name; Denominations</U>. If an Event of Default shall occur and be continuing, (a)&nbsp;the
Collateral Agent, on behalf of the Secured Parties, shall have the right (in its sole and absolute discretion) to hold the Pledged Securities in its own name as pledgee, the name of its nominee (as pledgee or as
<FONT STYLE="white-space:nowrap">sub-agent)</FONT> or the name of the applicable Grantor, endorsed or assigned in blank or in favor of the Collateral Agent, and each Grantor will promptly give to the Collateral Agent copies of any notices or other
communications received by it with respect to Pledged Securities registered in the name of such Grantor and (b)&nbsp;the Collateral Agent shall have the right to exchange the certificates representing Pledged Securities for certificates of smaller
or larger denominations for any purpose consistent with this Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-19- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 2.06. <U>Voting Rights; Dividends and Interest</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Unless and until an Event of Default shall have occurred and be continuing: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) Each Grantor shall be entitled to exercise any and all voting and/or other consensual rights and powers inuring to an owner of Pledged
Securities or any part thereof for any purpose consistent with the terms of this Agreement, the Note Purchase Agreement and the other Note Documents; <I>provided </I>that such rights and powers shall not be exercised in any manner that could
materially and adversely affect the rights inuring to a holder of any Pledged Securities or the rights and remedies of any of the Collateral Agent or the other Secured Parties under this Agreement, the Note Purchase Agreement or any other Note
Document or the ability of the Secured Parties to exercise the same. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) At the Grantors&#146; sole cost and expense, the Collateral
Agent shall execute and deliver to each Grantor, or cause to be executed and delivered to each Grantor, all such proxies, powers of attorney and other instruments as each grantor may reasonably request for the purpose of enabling such Grantor to
exercise the voting and/or consensual rights and powers it is entitled to exercise pursuant to subparagraph (i)&nbsp;above. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii) Each
Grantor shall be entitled to receive and retain any and all dividends, interest, principal and other distributions paid on or distributed in respect of the Pledged Securities to the extent and only to the extent that such dividends, interest,
principal and other distributions are permitted by, and otherwise paid or distributed in accordance with, the terms and conditions of the Note Purchase Agreement, the other Note Documents and applicable Laws; <I>provided </I>that any noncash
dividends, interest, principal or other distributions that would constitute Pledged Equity, Pledged Debt or Pledged Residual Interests, whether resulting from a subdivision, combination or reclassification of the outstanding Equity Interests of the
issuer of any Pledged Securities or received in exchange for Pledged Securities or any part thereof, or in redemption thereof, or as a result of any merger, consolidation, acquisition or other exchange of assets to which such issuer may be a party
or otherwise, shall be and become part of the Pledged Collateral, and, if received by any Grantor, shall not be commingled by such Grantor with any of its other funds or property but shall be held separate and apart therefrom, shall be held in trust
for the benefit of the Collateral Agent and the Secured Parties and shall be forthwith delivered to the Collateral Agent in the same form as so received (with any necessary endorsement or instrument of assignment reasonably requested by the
Collateral Agent). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-20- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Upon the occurrence and during the continuance of an Event of Default, all rights of any
Grantor to dividends, interest, principal or other distributions that such Grantor is authorized to receive pursuant to paragraph (a)(iii) of this Section&nbsp;2.06 shall cease, and all such rights shall thereupon become vested in the Collateral
Agent, for the benefit of the Secured Parties, which shall have the sole and exclusive right and authority to receive and retain such dividends, interest, principal or other distributions. All dividends, interest, principal or other distributions
received by any Grantor contrary to the provisions of this Section&nbsp;2.06 shall be held in trust for the benefit of the Collateral Agent, for the benefit of the Secured Parties, shall be segregated from other property or funds of such Grantor and
shall be forthwith delivered to the Collateral Agent upon demand in the same form as so received (with any necessary endorsement reasonably requested by the Collateral Agent). Any and all money and other property paid over to or received by the
Collateral Agent pursuant to the provisions of this paragraph (b)&nbsp;shall be retained by the Collateral Agent in an account to be established by the Collateral Agent upon receipt of such money or other property and shall be applied in accordance
with the provisions of Section&nbsp;4.02. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Upon the occurrence and during the continuance of an Event of Default, all rights of any
Grantor to exercise the voting and consensual rights and powers it is entitled to exercise pursuant to paragraph (a)(i) of this Section&nbsp;2.06 shall cease, and all such rights shall thereupon become vested in the Collateral Agent, for the benefit
of the Secured Parties, which shall have the sole and exclusive right and authority to exercise such voting and consensual rights and powers (as directed by the Required Holders). After all Events of Default have been cured or waived, each Grantor
shall have the exclusive right to exercise the voting and/or consensual rights and powers that such Grantor would otherwise be entitled to exercise pursuant to the terms of paragraph (a)(i) of this Section&nbsp;2.06. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Each Grantor hereby consents, in its capacity as shareholder, member, manager or partner of any Person in which such Grantor holds an
Equity Interest, to (i)&nbsp;the pledge of any Equity Interests in any such Person under Section&nbsp;2.01 and (ii)&nbsp;the transfer of any Equity Interests in any such Person, in each case resulting from the Collateral Agent&#146;s exercise of
rights and remedies pursuant to Section&nbsp;4.01. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE III </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Security Interests in Personal Property </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 3.01. <U>Security Interest</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) As security for the payment or performance, as the case may be, in full of the Secured Notes Obligations, each Grantor hereby assigns and
pledges to the Collateral Agent, its successors and assigns, for the benefit of the Secured Parties, and hereby grants to the Collateral Agent, its successors and assigns, for the benefit of the Secured Parties, a security interest (the
&#147;<B>Security Interest</B>&#148;) in all right, title or interest in, to or under any and all of the following assets and properties, wherever located, and whether now owned or at any time hereafter acquired by such Grantor or in which such
Grantor now has or at any time in the future may acquire any right, title or interest (collectively, the &#147;<B>Article 9 Collateral</B>&#148;): </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) all Accounts, including Receivables; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-21- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) all Chattel Paper; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii) all Commercial Tort Claims described on <U>Schedule III</U> hereto, as such Schedule may be supplemented from time to time pursuant to
<U>Section</U><U></U><U>&nbsp;3.04(d)</U>; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iv) all Deposit Accounts, Securities Accounts and Commodity Accounts; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(v) all Letter of Credit Rights; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(vi) all Documents; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(vii) all
Equipment; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(viii) all General Intangibles; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ix) all Instruments; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(x) all
Insurance; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(xi) all Inventory and other Goods; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(xii) all Fixtures; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(xiii) all
Investment Property; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(xiv) all Intellectual Property; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(xv) all Money; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(xvi) all
Residual Interests; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(xvii) all Mortgage Loans; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(xviii) all Collateral Accounts; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(xix) all books and records pertaining to the Article 9 Collateral; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(xx) all cash, Cash Equivalents and Money (a)&nbsp;held in, or expressly required to be deposited into, any Collateral Account or
(b)&nbsp;received by the Collateral Agent, any Noteholder or any other Secured Party as a result of the exercise of remedies in accordance with the Note Documents in respect of the Pledged Securities; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(xxi) to the extent not otherwise included, all Proceeds and products of any and all of the foregoing and all supporting obligations,
collateral security and guarantees given by any Person with respect to any of the foregoing, and all accessions to, substitutions and replacements for, and rents, profits and products of, each of the foregoing, and any and all Proceeds of any
insurance, indemnity or warranty payable to any Grantor from time to time with respect to any of the foregoing; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-22- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>provided</I> that, notwithstanding anything to the contrary in this Agreement, this Agreement shall not
constitute a grant of a security interest in any Excluded Assets. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Each Grantor hereby irrevocably authorizes (but does not obligate)
the Collateral Agent, for the benefit of the Secured Parties, at any time and from time to time to file (x)&nbsp;in any relevant jurisdiction any initial financing statements (including fixture filings) with respect to the Collateral or any part
thereof and amendments thereto that (i)&nbsp;indicate the Collateral as all assets of such Grantor, or words of similar effect or being of an equal or lesser scope or with greater detail, and (ii)&nbsp;contain the information required by Article 9
of the Uniform Commercial Code or the analogous legislation of each applicable jurisdiction for the filing of any financing statement or amendment, including (A)&nbsp;whether such Grantor is an organization, the type of organization and any
organizational identification number issued to such Grantor and (B)&nbsp;in the case of a financing statement filed as a fixture filing, a sufficient description of the real property to which such Article 9 Collateral relates, and (y)&nbsp;solely
with respect to Intellectual Property Collateral, with the United States Patent and Trademark Office or United States Copyright Office (or any successor office) such documents as may be necessary or advisable for the purpose of perfecting,
confirming, continuing, enforcing or protecting the Security Interest granted by each Grantor, without the signature of any Grantor, and naming any Grantor or the Grantors as debtors and the Collateral Agent as secured party. Each Grantor agrees to
provide such information to the Collateral Agent promptly upon reasonable request. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The Security Interest is granted as security only
and shall not subject the Collateral Agent or any other Secured Party to, or in any way alter or modify, any obligation or liability of any Grantor with respect to or arising out of the Collateral. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) The pledge and perfection of the Pledged Collateral and the Security Interest is subject to the provisions of the definition of Collateral
Requirement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 3.02. <U>Representations and Warranties</U>. Each Grantor represents and warrants to the Collateral Agent and the
other Secured Parties that: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Each Grantor has good and valid rights in and title to the Article 9 Collateral with respect to which it
has purported to grant a Security Interest hereunder and has full power and authority to grant to the Collateral Agent the Security Interest in such Article 9 Collateral pursuant hereto and to execute, deliver and perform its obligations in
accordance with the terms of this Agreement, without the consent or approval of any other Person other than any consent or approval that has been obtained. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-23- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Perfection Certificate has been duly prepared, completed and executed and the
information set forth therein, including the exact legal name and jurisdiction of organization of each Grantor, is correct and complete in all material respects as of the Closing Date and as of each date on which a supplement to the Perfection
Certificate is delivered to the Collateral Agent (except that the information therein with respect to the exact legal name and jurisdiction of organization of each Grantor shall be true and correct in all respects). The UCC financing statements
(including fixture filings, as applicable) or other appropriate filings, recordings or registrations prepared by the Issuer in the Perfection Certificate for filing in the applicable filing offices in the jurisdictions specified in <U>Schedule
1(a)</U> of the Perfection Certificate (or specified by notice from the Issuer to the Collateral Agent after the Closing Date in the case of filings, recordings or registrations required by Section&nbsp;10.7 of the Note Purchase Agreement), are all
the filings, recordings and registrations that are necessary to establish a legal, valid and perfected security interest in favor of the Collateral Agent (for the benefit of the Secured Parties) in respect of all Article 9 Collateral in which the
Security Interest may be perfected by filing, recording or registration in the United States (or any political subdivision thereof) and its territories and possessions, and no further or subsequent filing, refiling, recording, rerecording,
registration or reregistration is necessary in any such jurisdiction, except as provided under applicable law with respect to the filing of continuation statements. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The Security Interest constitutes (i)&nbsp;a legal, valid and enforceable continuing security interest in all the Article 9 Collateral
securing the payment and performance of the Secured Notes Obligations and (ii)&nbsp;subject to the filings described in Section&nbsp;3.02(b), a perfected security interest in all Article 9 Collateral in which a security interest may be perfected by
filing, recording or registering a financing statement or analogous document in the United States (or any political subdivision thereof) and its territories and possessions pursuant to the Uniform Commercial Code in the relevant jurisdiction. The
Security Interest is and shall be prior to any other Lien on any of the Article 9 Collateral, other than any Permitted Liens. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) The
Article 9 Collateral is owned by the Grantors free and clear of any Lien, except for Liens expressly permitted pursuant to Section&nbsp;11.02 of the Note Purchase Agreement. None of the Grantors has filed or consented to the filing of (i)&nbsp;any
financing statement or analogous document under the New York UCC or any other applicable laws covering any Article 9 Collateral or (ii)&nbsp;any assignment in which any Grantor assigns any Article 9 Collateral or any security agreement or similar
instrument covering any Article 9 Collateral with any foreign governmental, municipal or other office, which financing statement or analogous document, assignment, security agreement or similar instrument is still in effect, except, in each case,
for Liens expressly permitted pursuant to Section&nbsp;11.02 of the Note Purchase Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) All Commercial Tort Claims with an amount
in excess of $2,000,000, either individually or in the aggregate, of each Grantor in existence on the date of this Agreement (or on the date upon which such Grantor becomes a party to this Agreement) are described on
<U>Schedule</U><U></U><U>&nbsp;III</U> hereto. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) With respect to Intellectual Property Collateral, a Copyright Short Form Security
Agreement, a Trademark Short Form Security Agreement and a Patent Short Form Security Agreement shall be executed and filed by the Issuer for recordation with the United States Patent and Trademark Office and the United States Copyright Office, as
applicable, within the three-month period (commencing as of the date hereof) pursuant to 35 U.S.C. &#167; 261 or 15 U.S.C. &#167; 1060 or the <FONT STYLE="white-space:nowrap">one-month</FONT> period (commencing as of the date hereof) pursuant to 17
U.S.C. &#167; 205. Notwithstanding anything herein, the Grantors shall not be required to execute any documents (other than this Agreement and any supplements hereto) or take any action to perfect any security interest in respect of <FONT
STYLE="white-space:nowrap">non-U.S.</FONT> Intellectual Property. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) On the date hereof, no Grantor is a beneficiary or assignee under
any letter of credit with a value in excess of $1,000,000 other than the letters of credit described on <U>Schedule</U><U></U><U>&nbsp;V</U> hereto, which Schedule shall be promptly updated by the applicable Grantor from time to time to reflect any
additional Letter of Credit Rights in excess of $1,000,000 obtained since such schedule was last delivered. Each Grantor has instructed all issuers and nominated persons under letters of credit in which the Grantor is the beneficiary or assignee to
make all payments thereunder to the Collateral Account. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) None of the Grantors has Receivables with respect to which the obligor is a
Governmental Authority. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-24- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 3.03. <U>Covenants</U>. Subject to any limitations in the Note Purchase Agreement
and the definition of Collateral Requirement: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Issuer agrees promptly to notify the Collateral Agent in writing of any change
(i)&nbsp;in legal name of any Grantor, (ii)&nbsp;in the identity or type of organization or corporate structure of any Grantor, or (iii)&nbsp;in the jurisdiction of organization of any Grantor, in each case, at least 10 days prior to such change
with respect to the Issuer and within at least 10 days of such change with respect to any other Grantor (or such longer period as the Collateral Agent may agree at the direction of the Required Holders). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Each Grantor shall, at its own expense, take any and all commercially reasonable actions necessary or appropriate to defend title to the
Article 9 Collateral against all Persons and to defend the Security Interest of the Collateral Agent in the Article 9 Collateral and the priority thereof against any Lien (other than any Lien that is expressly permitted to be on the Article 9
Collateral and to rank, in right of priority, pari passu with or senior to the Security Interest, in each case, pursuant to Section&nbsp;11.2 of the Note Purchase Agreement). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Each Grantor agrees, at its own expense, to execute, acknowledge, deliver and cause to be duly filed all such further instruments and
documents and take all such actions as are reasonably necessary or as the Collateral Agent may from time to time reasonably request to better assure, preserve, protect and perfect the Security Interest and the rights and remedies created hereby,
including the payment of any fees and taxes required in connection with the execution and delivery of this Agreement, the granting of the Security Interest and the filing and recording of any financing or continuation statements (including fixture
filings) or other documents in connection herewith or therewith; and any amount payable under or in connection with any of the Article 9 Collateral that is in excess of $1,000,000 shall be or become evidenced by any promissory note or other
instrument, such note or instrument shall be promptly (but in any event within 10 days after receipt by such Grantor or such longer period as the Collateral Agent may agree as directed by the Required Holders) pledged and delivered to the Collateral
Agent, for the benefit of the Secured Parties, duly endorsed in a manner reasonably necessary. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) At its option and with the consent of
the Required Holders, the Collateral Agent may discharge past due taxes, assessments, charges, fees, Liens, security interests or other encumbrances at any time levied or placed on the Article 9 Collateral and not permitted pursuant to
Section&nbsp;11.2 of the Note Purchase Agreement, and may pay for the maintenance and preservation of the Article 9 Collateral to the extent any Grantor fails to do so as required by the Note Purchase Agreement or this Agreement and within a
reasonable period of time after the Collateral Agent has requested that it do so, and each Grantor jointly and severally agrees to reimburse the Collateral Agent within 10 days after demand for any payment made or any reasonable expense incurred by
the Collateral Agent pursuant to the foregoing authorization. Nothing in this paragraph shall be interpreted as excusing any Grantor from the performance of, or imposing any obligation on the Collateral Agent or any other Secured Party to cure or
perform, any covenants or other promises of any Grantor with respect to taxes, assessments, charges, fees, Liens, security interests or other encumbrances and maintenance as set forth herein, in the other Note Documents. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-25- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) If at any time any Grantor shall take a security interest in any property of an Account
Debtor or any other Person, the value of which is in excess of $1,000,000, to secure payment and performance of an Account, such Grantor shall promptly (after receipt by such Grantor or such longer period as the Collateral Agent may agree at the
direction of the Required Holders) assign such security interest to the Collateral Agent for the benefit of the Secured Parties. Such assignment need not be filed of public record unless necessary to continue the perfected status of the security
interest against creditors of and transferees from the Account Debtor or other Person granting the security interest. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) Each Grantor
(rather than the Collateral Agent or any other Secured Party) shall remain liable (as between itself and any relevant counterparty) to observe and perform all the conditions and obligations to be observed and performed by it under each contract,
agreement or instrument relating to the Article 9 Collateral, all in accordance with the terms and conditions thereof, and each Grantor jointly and severally agrees to indemnify and hold harmless the Collateral Agent and the other Secured Parties
from and against any and all liability for such performance. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 3.04. <U>Other Actions</U>. Subject to any limitations in the Note
Purchase Agreement and the definition of Collateral Requirement, in order to further insure the attachment, perfection and priority of, and the ability of the Collateral Agent to enforce, the Security Interest, each Grantor agrees, in each case at
such Grantor&#146;s own expense, to take the following actions with respect to the following Article 9 Collateral: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I>Instruments and
Tangible Chattel Paper</I>. If any Grantor shall at any time hold or acquire any Instruments constituting Collateral (other than any Instruments that are covered by clause (e)&nbsp;of the definition of &#147;Collateral Requirement&#148;, which
Instruments shall be subject to the requirements specified in clause (e)&nbsp;of the definition of &#147;Collateral Requirement&#148;) and (x)&nbsp;evidencing an amount in excess of $1,000,000 or (y)&nbsp;evidencing intercompany indebtedness among
Parent, the Issuer and its Restricted Subsidiaries, or any Tangible Chattel Paper constituting Collateral, such Grantor shall forthwith endorse, assign and deliver the same to the Collateral Agent for the benefit of the Secured Parties, accompanied
by such undated instruments of endorsement, transfer or assignment duly executed in blank as are reasonably necessary or as the Collateral Agent may from time to time reasonably request. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Electronic Chattel Paper. </I>If any amount payable under or in connection with any Collateral owned and possessed by such Grantor shall
be or become evidenced by electronic chattel paper (with an individual or aggregate value in excess of the amounts set forth below), such Grantor shall promptly notify the Collateral Agent thereof, and following the written request of the Collateral
Agent (acting at the direction of the Required Holders), such Grantor shall promptly take all steps reasonably requested by the Collateral Agent to grant the Collateral Agent (for the benefit of the Secured Parties) control of all such electronic
chattel paper for the purposes of <FONT STYLE="white-space:nowrap">Section&nbsp;9-105</FONT> of the New York UCC (or any similar section under any equivalent Uniform Commercial Code) and all &#147;transferable records&#148; as defined in each of the
Uniform Electronic Transactions Act and the Electronic Signatures in Global and National Commerce Act; provided, however, the Grantors shall not be required to take any of the foregoing actions with respect to electronic chattel paper having a fair
market value less than or equal to $1,000,000. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-26- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <I>Deposit Accounts</I>. For each Deposit Account (other than any Excluded Account) that
any Grantor at any time opens or maintains, such Grantor shall, either (i)&nbsp;cause the depositary bank to agree to comply with instructions from the Collateral Agent (or the Controlling Collateral Agent) to such depositary bank directing the
disposition of funds from time to time credited to such deposit account, without further consent of such Grantor or any other Person, pursuant to an agreement on reasonable and customary terms, or (ii)&nbsp;arrange for the Collateral Agent (or the
Controlling Collateral Agent) to become the customer of the depositary bank with respect to such Deposit Account, with the Grantor being permitted, only with the consent of the Collateral Agent (or the Controlling Collateral Agent), to exercise
rights to withdraw funds from such deposit account. The Collateral Agent agrees with each Grantor that the Collateral Agent shall not give any such instructions or withhold any withdrawal rights from any Grantor unless an Event of Default has
occurred and is continuing or, after giving effect to any withdrawal would occur. The provisions of this paragraph shall not apply to (A)&nbsp;any Deposit Account for which any Grantor, the depositary bank and the Collateral Agent (or the
Controlling Collateral Agent) have entered into a cash collateral agreement specially negotiated among such Grantor, the depositary bank and the Collateral Agent (or the Controlling Collateral Agent) for the specific purpose set forth therein and
(B)&nbsp;Deposit Accounts for which the Collateral Agent (or the Controlling Collateral Agent) is the depositary. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <I>Investment
Property</I>. Except to the extent otherwise provided in Article II, if any Grantor shall at any time hold or acquire any certificated securities, such Grantor shall forthwith endorse, assign and deliver the same to the Collateral Agent for the
benefit of the Secured Parties, accompanied by such undated instruments of transfer or assignment duly executed in blank as the Collateral Agent may from time to time reasonably request. If any securities now or hereafter acquired by any Grantor are
uncertificated and are issued to such Grantor or its nominee directly by the issuer thereof, such Grantor shall immediately notify the Collateral Agent thereof and, if requested by the Collateral Agent (acting at the direction of the Required
Holders), shall, pursuant to an agreement in form reasonably satisfactory to the Collateral Agent, either (i)&nbsp;cause the issuer to agree to comply with instructions from the Collateral Agent as to such securities, without further consent of any
Grantor or such nominee, or (ii)&nbsp;arrange for the Collateral Agent to become the registered owner of the securities. If any securities, whether certificated or uncertificated, or other Investment Property are held by any Grantor or its nominee
through a securities intermediary or commodity intermediary, such Grantor shall immediately notify the Collateral Agent thereof and, if requested by the Collateral Agent (acting at the direction of the Required Holders), pursuant to an agreement in
form satisfactory to the Collateral Agent, shall either (i)&nbsp;cause such securities intermediary or (as the case may be) commodity intermediary to agree to comply with entitlement orders or other instructions from the Collateral Agent to such
securities intermediary as to such security entitlements, or (as the case may be) to apply any value distributed on account of any commodity contract as directed by the Collateral Agent to such commodity intermediary, in each case without further
consent of any Grantor or such nominee, or (ii)&nbsp;in the case of financial assets or other Investment Property held through a securities intermediary, arrange for the Collateral Agent to become the entitlement holder with respect to such
Investment Property, with the Grantor being permitted, only with the consent of the Collateral Agent, to exercise rights to withdraw or otherwise deal with such Investment Property. The Collateral Agent agrees with each of the Grantors that the
Collateral Agent shall not give any such entitlement orders or instructions or directions to any such issuer, securities intermediary or commodity intermediary, and shall not withhold its consent to the exercise of any withdrawal or dealing rights
by any Grantor, unless an Event of Default has occurred and is continuing. The provisions of this paragraph shall not apply to any financial assets credited to a securities account for which the Collateral Agent is the securities intermediary. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-27- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <I>Commercial Tort Claims</I>. If any Grantor shall at any time after the date of this
Agreement acquire a Commercial Tort Claim in an amount (taking the greater of the aggregate claimed damages thereunder or the reasonably estimated value thereof) of $2,000,000 or more, such Grantor shall promptly notify the Collateral Agent thereof
in a writing signed by such Grantor and provide supplements to <U>Schedule III</U> describing the details thereof and shall grant to the Collateral Agent a security interest therein and in the proceeds thereof, all upon the terms of this Agreement.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) <I>Intellectual Property</I>. (i)&nbsp;Once every fiscal quarter of the Issuer, with respect to issued patents included in the Patents
(or applications therefor), registered Trademarks (or applications therefor) and registered Copyrights (or applications therefor), each Grantor shall notify the Collateral Agent of any such Intellectual Property owned or exclusively licensed by it
as of the last day of such period, to the extent that such Intellectual Property is not covered by any previous Copyright Short Form Security Agreement, Trademark Short Form Security Agreement or Patent Short Form Security Agreement so signed and
delivered by it. As necessary or upon the Collateral Agent&#146;s reasonable request, such Grantor shall sign and deliver to the Collateral Agent an appropriate Copyright Short Form Security Agreement, Trademark Short Form Security Agreement, Patent
Short Form Security Agreement, or such other documents or supplements as are reasonably necessary or reasonably required by the Collateral Agent, with respect to all such Intellectual Property. In each case, it will promptly cooperate to make any
necessary or reasonably desirable recordation with the U.S. Copyright Office or the U.S. Patent and Trademark Office, as appropriate. Notwithstanding anything herein, the Grantors shall not be required to execute any documents (other than this
Agreement and any supplements hereto) or take any action to perfect any security interest in respect of <FONT STYLE="white-space:nowrap">non-U.S.</FONT> Intellectual Property. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) <I>Letter of Credit Rights</I>. If any Grantor shall at any time after the date of this Agreement be a beneficiary under any Letter of
Credit with a face value equal to or greater than $1,000,000 or more, such Grantor shall promptly notify the Collateral Agent thereof and such Grantor shall, at the request of the Collateral Agent (acting at the direction of the Required Holders),
pursuant to an agreement in form satisfactory to the Collateral Agent, arrange for the issuer of such Letter of Credit to consent to an assignment to the Collateral Agent of the proceeds of any draw under any such Letter of Credit. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-28- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE IV </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Remedies </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION
4.01. <U>Remedies Upon Default</U>. Upon the occurrence and during the continuance of an Event of Default, it is agreed that the Collateral Agent shall have the right, as directed by the Required Holders, to exercise any and all rights afforded to a
secured party with respect to the Secured Notes Obligations under the Uniform Commercial Code or other applicable Law and also may (i)&nbsp;require each Grantor to, and each Grantor agrees that it will at its expense and upon request of the
Collateral Agent as directed by the Required Holders forthwith, assemble all or part of the Collateral as directed by the Collateral Agent and make it available to the Collateral Agent at a place and time to be designated by the Collateral Agent as
directed by the Required Holders that is reasonably convenient to both parties; (ii)&nbsp;occupy any premises owned or, to the extent lawful and permitted, leased by any of the Grantors where the Collateral or any part thereof is assembled or
located for a reasonable period in order to effectuate its rights and remedies hereunder or under law, without obligation to such Grantor in respect of such occupation; (iii)&nbsp;exercise any and all rights and remedies of any of the Grantors under
or in connection with the Collateral, or otherwise in respect of the Collateral; <I>provided </I>that the Collateral Agent shall provide the applicable Grantor with notice thereof prior to or promptly after such exercise; (iv)&nbsp;subject to the
mandatory requirements of applicable Law and the notice requirements described below, sell or otherwise dispose of all or any part of the Collateral securing the Secured Notes Obligations at a public or private sale or at any broker&#146;s board or
on any securities exchange, for cash, upon credit or for future delivery as the Collateral Agent as directed by the Required Holders shall deem appropriate; (v)&nbsp;cause the Security Interest to become an assignment, transfer and conveyance of any
of or all such Collateral by the applicable Grantors to the Collateral Agent, or to license or sublicense, whether general, special or otherwise, and whether on an exclusive or <FONT STYLE="white-space:nowrap">non-exclusive</FONT> basis, any such
Collateral throughout the world on such terms and conditions and in such manner as the Collateral Agent as directed by the Required Holders shall determine (other than in violation of any then-existing licensing arrangements to the extent that
waivers cannot be obtained); and (vi)&nbsp;take control of the Proceeds of all or any part of the Collateral. The Collateral Agent shall be authorized at any such sale of securities (if it deems it advisable to do so) to restrict the prospective
bidders or purchasers to Persons who will represent and agree that they are purchasing the Collateral for their own account for investment and not with a view to the distribution or sale thereof, and upon consummation of any such sale the Collateral
Agent shall have the right to assign, transfer and deliver to the purchaser or purchasers thereof the Collateral so sold. Each such purchaser at any sale of Collateral shall hold the property sold absolutely, free from any claim or right on the part
of any Grantor, and each Grantor hereby waives (to the extent permitted by law) all rights of redemption, stay and appraisal which such Grantor now has or may at any time in the future have under any rule of law or statute now existing or hereafter
enacted. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Collateral Agent shall give the applicable Grantors 10 days&#146; written notice (which each Grantor agrees is reasonable
notice within the meaning of <FONT STYLE="white-space:nowrap">Section&nbsp;9-611</FONT> of the New York UCC or its equivalent in other jurisdictions) of the Collateral Agent&#146;s intention to make any sale of Collateral. Such notice, in the case
of a public sale, shall state the time and place for such sale and, in the case of a sale at a broker&#146;s board or on a securities exchange, shall state the board or exchange at which such sale is to be made and the day on which the Collateral,
or portion thereof, will first be offered for sale at such board or exchange. Any such public sale shall be held at such time or times within ordinary business hours and at such place or places as the Collateral Agent may fix and state in the notice
(if any) of such sale. At any such sale, the Collateral, or portion thereof, to be sold may be sold in one lot as an entirety or in separate parcels, as the Collateral Agent may as directed by the Required Holders (in their sole and absolute
discretion) determine. The Collateral Agent shall not be obligated to make any sale of any Collateral if it shall determine not to do so, regardless of the fact that notice of sale of such Collateral shall have been given. The Collateral Agent may
as directed by the Required Holders, without notice or publication, adjourn any public or private sale or cause the same to be adjourned from time to time by announcement at the time and place fixed for sale, and such sale may, without further
notice, be made at the time and place to which the same was so adjourned. In case any sale of all or any part of the Collateral is made on credit or for future delivery, the Collateral so sold may be retained by the Collateral Agent until the sale
price is paid by the purchaser or purchasers thereof, but the Collateral Agent shall not incur any liability in case any such purchaser or purchasers shall fail to take up and pay for the Collateral so sold and, in case of any such failure, such
Collateral may be sold again upon like notice. At any public (or, to the extent permitted by law, private) sale made pursuant to this Agreement, any Secured Party may bid for or purchase, free (to the extent permitted by law) from any right of
redemption, stay, valuation or appraisal on the part of any Grantor (all said rights being also hereby waived and released to the extent permitted by law), the Collateral or any part thereof offered for sale and may make payment on account thereof
by using any claim then due and payable to such Secured Party from any Grantor as a credit against the purchase price, and such Secured Party may, upon compliance with the terms of sale, hold, retain and dispose of such property without further
accountability to any Grantor therefor. For purposes hereof, a written agreement to purchase the Collateral or any portion thereof shall be treated as a sale thereof; the Collateral Agent (as directed by the Required Holders) shall be free to carry
out such sale pursuant to such agreement and no Grantor shall be entitled to the return of the Collateral or any portion thereof subject thereto, notwithstanding the fact that after the Collateral Agent shall have entered into such an agreement all
Events of Default shall have been remedied and the Secured Notes Obligations paid in full. As an alternative to exercising the power of sale herein conferred upon it, the Collateral Agent as directed by the Required Holders may proceed by a suit or
suits at law or in equity to foreclose this Agreement and to sell the Collateral or any portion thereof pursuant to a judgment or decree of a court or courts having competent jurisdiction or pursuant to a proceeding by a court-appointed receiver.
Any sale pursuant to the provisions of this Section&nbsp;4.01 shall be deemed to conform to the commercially reasonable standards as provided in <FONT STYLE="white-space:nowrap">Section&nbsp;9-610(b)</FONT> of the New York UCC or its equivalent in
other jurisdictions. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-29- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 4.02. <U>Application of Proceeds</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Subject to the terms of the Equal Priority Intercreditor Agreement, the Collateral Agent shall apply the proceeds of any collection or
sale of Collateral, including any Collateral consisting of cash, pursuant to the exercise by the Collateral Agent of its remedies under this Agreement and the other Collateral Documents, together with any other sums held by the Collateral Agent
pursuant to the Note Purchase Agreement, this Agreement or the Collateral Documents, as follows: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>FIRST,</I> to the
Paying Agent and Collateral Agent for amounts due under Section&nbsp;16.1 of the Note Purchase Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>SECOND,</I>
to Noteholders for amounts due and unpaid on the Notes for the principal, premium, if any, and interest ratably, without preference or priority of any kind, according to the amounts due and payable on the Notes for principal, premium, if any, and
interest, respectively; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>THIRD,</I> without duplication, to Noteholders for any other Obligations owing to the
Noteholders under the Note Purchase Agreement and the Notes; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>FOURTH,</I> to the Issuer or as otherwise directed by
a court of competent jurisdiction. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-30- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Collateral Agent shall determine (as directed by the Required Holders, who shall have absolute
discretion) the time of application of any such proceeds, moneys or balances in accordance with this Agreement. Upon any sale of Collateral by the Collateral Agent (including pursuant to a power of sale granted by statute or under a judicial
proceeding), the receipt of the purchase money therefor by the Collateral Agent or of the officer making the sale shall be a sufficient discharge to the purchaser or purchasers of the Collateral so sold and such purchaser or purchasers shall not be
obligated to see to the application of any part of the purchase money paid over to the Collateral Agent or such officer or be answerable in any way for the misapplication thereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) In making the determinations and allocations required by this Section&nbsp;4.02, the Collateral Agent may conclusively rely upon
information supplied by the Paying Agent as to the amounts of unpaid principal and interest and other amounts outstanding with respect to the Secured Notes Obligations, and the Collateral Agent shall have no liability to any of the Secured Parties
for actions taken in reliance on such information; <I>provided </I>that nothing in this sentence shall prevent any Grantor from contesting any amounts claimed by any Secured Party in any information so supplied. All distributions made by the
Collateral Agent pursuant to this Section&nbsp;4.02 shall be (subject to any decree of any court of competent jurisdiction) final (absent manifest error), and the Collateral Agent shall have no duty to inquire as to the application by the Paying
Agent of any amounts distributed to it. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 4.03. <U>Grant of License to Use Intellectual Property</U>. Solely for the purpose of
enabling the Collateral Agent to exercise rights and remedies under this Agreement upon and during the continuance of an Event of Default at such time as the Collateral Agent shall be lawfully entitled to exercise such rights and remedies, and
subject to any assignment of rights in Intellectual Property Collateral to the Collateral Agent in accordance with Section&nbsp;4.01, each Grantor hereby grants to the Collateral Agent, for the benefit of the Secured Parties, a worldwide exclusive
license (subject to then-existing encumbrances and exercisable without payment of royalty or other compensation to the Grantors) to use, sell (in accordance with Section&nbsp;4.01) and, solely to the extent necessary for the purposes herein, license
or sublicense any of the Article 9 Collateral consisting of Intellectual Property now owned or hereafter acquired by such Grantor, and wherever the same may be located, and including in such license reasonable access to all media in which any of the
licensed items may be recorded or stored in the possession and control of a Grantor; provided that (i)&nbsp;such license shall be subject to the rights of any licensee under a license granted prior to such Event of Default and (ii)&nbsp;such license
shall only be granted to the extent not in violation of any then-existing licensing or other agreements or arrangements. The use of such license by the Collateral Agent may be exercised, at the option of the Collateral Agent as directed by the
Required Holders, only upon the occurrence and during the continuation of an Event of Default, provided that any license or sublicense entered into by the Collateral Agent in accordance herewith shall be binding upon the Grantors during the
continuation of an Event of Default and will terminate upon any subsequent cure of such Event of Default. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-31- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 4.04. <U>Certain Matters Relating to Receivables and other Proceeds</U>.
(a)&nbsp;Each Grantor is hereby authorized to collect such Grantor&#146;s Receivables, and each Grantor hereby agrees to continue to collect all amounts due or to become due to such Grantor under the Receivables and any supporting obligation and
diligently exercise each material right it may have under any Receivable and any supporting obligation, in each case, at its own expense consistent with its reasonable business judgment; <I>provided</I>, <I>however</I>, that the Collateral Agent
may, as directed by the Required Holders, curtail or terminate said authority at any time after the occurrence and during the continuance of an Event of Default. If required by the Collateral Agent, as directed by the Required Holders, at any time
after the occurrence and during the continuance of an Event of Default, any payments of Receivables, when collected by any Grantor, (i)&nbsp;shall be promptly (and, in any event, within two (2)&nbsp;Business Days) deposited by such Grantor in the
exact form received, duly endorsed by such Grantor to the Collateral Agent if required, in a Collateral Account maintained under the sole dominion and control of the Collateral Agent, subject to withdrawal by the Collateral Agent for the account of
the Secured Parties only as provided in Section&nbsp;5.04, and (ii)&nbsp;until so turned over, shall be held by such Grantor in trust for the Secured Parties, segregated from other funds of such Grantor. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) In addition to the rights of the Secured Parties specified in Section&nbsp;4.04(a) with respect to payments of Receivables, if an Event of
Default shall occur and be continuing, all Proceeds received by any Grantor consisting of cash, Cash Equivalents and checks shall be held by such Grantor in trust for the Secured Parties, segregated from other funds of such Grantor, and shall,
forthwith upon receipt by such Grantor, be turned over to the Collateral Agent in the exact form received by such Grantor (duly endorsed by such Grantor to the Collateral Agent, if required). All Proceeds received by the Collateral Agent under this
Section&nbsp;4.04(b) shall be held by the Collateral Agent in a Collateral Account maintained under its sole dominion and control. All Proceeds while held by the Collateral Agent in a Collateral Account (or by such Grantor in trust for the Secured
Parties) shall continue to be held as collateral security for all the Secured Notes Obligations and shall not constitute payment thereof until applied as provided in Section&nbsp;4.02. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE V </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Miscellaneous </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 5.01. <U>Notices</U>. All communications and notices hereunder shall (except as otherwise expressly permitted herein) be in writing
and given as provided in Section&nbsp;19 of the Note Purchase Agreement. All communications and notices hereunder to any Grantor shall be given to it in care of the Issuer as provided in Section&nbsp;19 of the Note Purchase Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 5.02. <U>Waivers; Amendment</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) No failure or delay by the Collateral Agent or any Noteholder in exercising any right, remedy, power or privilege hereunder or under any
other Note Document shall operate as a waiver thereof, nor shall any single or partial exercise of any such right, remedy, power or privilege hereunder, or any abandonment or discontinuance of steps to enforce such a right, remedy, power or
privilege, preclude any other or further exercise thereof or the exercise of any other right, remedy, power or privilege. The rights, remedies, powers and privileges of the Collateral Agent and the Noteholders hereunder and under the other Note
Documents are cumulative and are not exclusive of any rights, remedies, powers and privileges that they would otherwise have. No waiver of any provision of this Agreement or consent to any departure by any Grantor therefrom shall in any event be
effective unless the same shall be permitted by paragraph (b)&nbsp;of this Section&nbsp;5.02, and then such waiver or consent shall be effective only in the specific instance and for the purpose for which given. Without limiting the generality of
the foregoing, the execution and delivery of this Agreement shall not be construed as a waiver of any Default, regardless of whether the Collateral Agent or any Noteholder may have had notice or knowledge of such Default at the time. No notice or
demand on any Grantor in any case shall entitle any Grantor to any other or further notice or demand in similar or other circumstances. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-32- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) 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 Collateral Agent and the Grantor or Grantors with respect to which such waiver, amendment or modification is to apply, subject to any consent required in accordance with
Section&nbsp;18.1 of the Note Purchase Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 5.03. <U>Collateral Agent</U><U>&#146;</U><U>s and Secured
Parties</U><U>&#146;</U><U> Fees and Expenses</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The parties hereto agree that the Collateral Agent and Secured Parties shall be
entitled to reimbursement of its and their expenses incurred hereunder and indemnity for its actions in connection herewith as provided in Section&nbsp;16.1 of the Note Purchase Agreement, as if each reference therein to &#147;the Issuer&#148; were
a reference to &#147;the Grantors&#148;. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Any such amounts payable as provided hereunder shall be additional Obligations secured hereby
and by the other Collateral Documents. The provisions of this Section&nbsp;5.03 shall remain operative and in full force and effect regardless of the termination of this Agreement or any other Note Document, the resignation or removal of the
Collateral Agent, the consummation of the transactions contemplated hereby, the repayment of any of the Secured Notes Obligations, the invalidity or unenforceability of any term or provision of this Agreement or any other Note Document, or any
investigation made by or on behalf of the Collateral Agent or any other Secured Party. All amounts due under this Section&nbsp;5.03 shall be payable within 30 days of written demand therefor or automatically in the case of any acceleration pursuant
to Section&nbsp;13.1 of the Note Purchase Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 5.04. <U>Successors and Assigns</U>. 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 any Grantor or the Collateral Agent that are contained in this
Agreement shall also bind and inure to the benefit of their respective permitted successors and assigns. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 5.05. <U>Survival of
Agreement</U>. All covenants, agreements, representations and warranties made by the Grantors in the Note Documents and in the certificates or other instruments prepared or delivered in connection with or pursuant to this Agreement or any other Note
Document shall be considered to have been relied upon by the Noteholders and shall survive the execution and delivery of the Note Documents, regardless of any investigation made by any Noteholder or on its behalf and notwithstanding that the
Collateral Agent or any Noteholder may have had notice or knowledge of any Default or incorrect representation or warranty at the time any credit is extended under the Note Purchase Agreement, and shall continue in full force and effect as long as
the principal of or any accrued interest on any Note or any fee or any other amount payable under any Note Document is outstanding and unpaid. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-33- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 5.06. <U>Counterparts; Effectiveness; Several Agreement</U>. This Agreement may be
executed in counterparts, each of which shall constitute an original but all of which when taken together shall constitute a single contract. Delivery of an executed signature page to this Agreement by electronic transmission (i.e., a
&#147;<B>PDF</B>&#148; or &#147;<B>TIF</B>&#148;) shall be as effective as delivery of a manually signed counterpart of this Agreement. This Agreement shall become effective as to any Grantor when a counterpart hereof executed on behalf of such
Grantor shall have been delivered to the Collateral Agent and a counterpart hereof shall have been executed on behalf of the Collateral Agent, and thereafter shall be binding upon such Grantor and the Collateral Agent and their respective permitted
successors and assigns, and shall inure to the benefit of such Grantor, the Collateral Agent and the other Secured Parties and their respective successors and assigns, except that no Grantor shall have the right to assign or transfer its rights or
obligations hereunder or any interest herein or in the Collateral (and any such assignment or transfer shall be void) except as expressly contemplated by this Agreement or the Note Purchase Agreement. This Agreement shall be construed as a separate
agreement with respect to each Grantor and may be amended, modified, supplemented, waived or released with respect to any Grantor without the approval of any other Grantor and without affecting the obligations of any other Grantor hereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 5.07. <U>Severability</U>. Any provision of this Agreement held to be invalid, illegal or unenforceable in any jurisdiction shall, as
to such jurisdiction, be ineffective to the extent of such invalidity, illegality or unenforceability without affecting the validity, legality and enforceability of the remaining provisions hereof; and the invalidity of a particular provision in a
particular jurisdiction shall not invalidate or render unenforceable 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 5.08.
<U>[Reserved]</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 5.09. <U>Governing Law; Jurisdiction; Venue; Waiver of Jury Trial; Consent to Service of Process</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The terms of Sections 22.7 and 22.8 of the Note Purchase Agreement with respect to governing law, submission to jurisdiction, venue and
waiver of jury trial are incorporated herein by reference, <I>mutatis mutandis</I>, and the parties hereto agree to such terms. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Each
party to this Agreement irrevocably consents to service of process in the manner provided for notices in Section&nbsp;5.01. Nothing in this Agreement or any other Note Document will affect the right of any party to this Agreement to serve process in
any other manner permitted by law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 5.10. <U>Headings</U>. 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="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-34- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 5.11. <U>Security Interest Absolute</U>. All rights of the Collateral Agent and each
Noteholder hereunder, the Security Interest, the grant of a security interest in the Pledged Collateral and all obligations of each Grantor hereunder shall be absolute and unconditional irrespective of (a)&nbsp;any lack of validity or enforceability
of the Note Purchase Agreement, any other Note Document, any agreement with respect to any of the Secured Notes Obligations or any other agreement or instrument relating to any of the foregoing, (b)&nbsp;any change in the time, manner or place of
payment of, or in any other term of, all or any of the Secured Notes Obligations, or any other amendment or waiver of or any consent to any departure from the Note Purchase Agreement, any other Note Document or any other agreement or instrument,
(c)&nbsp;any exchange, release or nonperfection of any Lien on other collateral, or any release or amendment or waiver of or consent under or departure from any guarantee, securing or guaranteeing all or any of the Secured Notes Obligations or
(d)&nbsp;any other circumstance that might otherwise constitute a defense available to, or a discharge of, any Grantor in respect of the Secured Notes Obligations or this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 5.12. <U>Termination or Release</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) This Agreement, the Security Interest and all other security interests granted hereby shall terminate with respect to all Secured Notes
Obligations and any Liens arising therefrom shall be automatically released upon the Termination Date. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) In connection with any
termination or release pursuant to paragraph (a)&nbsp;of this Section&nbsp;5.12 or clause (a)&nbsp;of Section&nbsp;23.8 of the Note Purchase Agreement, the Collateral Agent shall, upon receipt of a certificate from a Responsible Officer of the
Issuer stating that such release is permitted and that all covenants and conditions precedent in the Note Documents to such release have been complied with, execute and deliver to any Grantor, at such Grantor&#146;s expense, all documents that such
Grantor shall reasonably request to evidence such termination or release. Any execution and delivery of documents pursuant to this Section&nbsp;5.12 shall be without recourse to or warranty by the Collateral Agent. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 5.13. <U>Additional Grantors</U>. At the option of the Issuer (in the Issuer&#146;s sole discretion), one or more Subsidiaries of
Issuer may to enter in this Agreement as Grantors. Upon execution and delivery by the Collateral Agent and a Subsidiary of a Security Agreement Supplement, such Subsidiary shall become a Grantor hereunder with the same force and effect as if
originally named as a Grantor herein. The execution and delivery of any such instrument shall not require the consent of any other Grantor. The rights and obligations of each Grantor hereunder shall remain in full force and effect notwithstanding
the addition of any new Grantor as a party to this Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-35- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 5.14. <U>Collateral Agent Appointed <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">Attorney-in-Fact</FONT></FONT></U>. Each Grantor irrevocably (i)&nbsp;makes, constitutes and hereby appoints the Collateral Agent (and all officers, employees or agents designated by the Collateral Agent) as such
Grantor&#146;s true and lawful agent (and <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact)</FONT></FONT> of such Grantor for the purpose of carrying out the provisions of this Agreement and taking any action and
executing any instrument that the Collateral Agent may deem necessary or advisable, to accomplish the purposes hereof at any time after and during the continuance of an Event of Default, and (ii)&nbsp;grants Collateral Agent an <B>IRREVOCABLE PROXY
</B>to vote such Collateral in any manner Collateral Agent deems advisable for or against all matters submitted or which may be submitted to a vote of shareholders, partners or members, as the case may be, and hereby is coupled with an interest and
shall be irrevocable which appointment of <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">power-of-attorney</FONT></FONT> and granting of irrevocable proxy and coupled with an interest. Without limiting the generality of the
foregoing, the Collateral Agent shall have the right and as directed by the Required Holders, upon the occurrence and during the continuance of an Event of Default, with full power of substitution either in the Collateral Agent&#146;s name or in the
name of such Grantor, (a)&nbsp;to receive, endorse, assign and/or deliver any and all notes, acceptances, checks, drafts, money orders or other evidences of payment relating to the Collateral or any part thereof; (b)&nbsp;to demand, collect, receive
payment of, give receipt for and give discharges and releases of all or any of the Collateral; (c)&nbsp;to sign the name of any Grantor on any invoice or bill of lading relating to any of the Collateral; (d)&nbsp;to send verifications of Accounts
Receivable to any Account Debtor; (e)&nbsp;to commence and prosecute any and all suits, actions or proceedings at law or in equity in any court of competent jurisdiction to collect or otherwise realize on all or any of the Collateral or to enforce
any rights in respect of any Collateral; (f)&nbsp;to settle, compromise, compound, adjust or defend any actions, suits or proceedings relating to all or any of the Collateral; (g)&nbsp;to notify, or to require any Grantor to notify, Account Debtors
to make payment directly to the Collateral Agent; (h)&nbsp;to make, settle and adjust claims in respect of Article 9 Collateral under policies of insurance, endorsing the name of such Grantor on any check, draft, instrument or other item of payment
for the proceeds of such policies of insurance; (i)&nbsp;to make all determinations and decisions with respect thereto; (j)&nbsp;to obtain or maintain the policies of insurance required by Section&nbsp;10.2 of the Note Purchase Agreement or paying
any premium in whole or in part relating thereto; and (k)&nbsp;to use, sell, assign, transfer, pledge, make any agreement with respect to or otherwise deal with all or any of the Collateral, and to do all other acts and things necessary to carry out
the purposes of this Agreement, as fully and completely as though the Collateral Agent were the absolute owner of the Collateral for all purposes; <I>provided </I>that nothing herein contained shall be construed as requiring or obligating the
Collateral Agent to make any commitment or to make any inquiry as to the nature or sufficiency of any payment received by the Collateral Agent, or to present or file any claim or notice, or to take any action with respect to the Collateral or any
part thereof or the moneys due or to become due in respect thereof or any property covered thereby. The Collateral Agent and the other Secured Parties shall be accountable only for amounts actually received as a result of the exercise of the powers
granted to them herein, and neither they nor their officers, directors, employees or agents shall be responsible to any Grantor for any act or failure to act hereunder, except for their own gross negligence or willful misconduct or that of any of
their Affiliates, directors, officers, employees, counsel, agents or <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorneys-in-fact,</FONT></FONT> in each case, as determined by a final non appealable judgment of a court of
competent jurisdiction. All sums disbursed by the Collateral Agent in connection with this paragraph, including reasonable attorneys&#146; fees, court costs, expenses and other charges relating thereto, shall be payable, within 30 days of demand or
automatically in the case of any acceleration pursuant to Section&nbsp;13.1 of the Note Purchase Agreement, by the Grantors to the Collateral Agent and shall be additional Obligations secured hereby. Each Grantor covenants and agrees that on the
date that is thirty (30)&nbsp;days prior to the date of expiration (by operation of applicable law) of the irrevocable proxy granted pursuant to Section&nbsp;5.14 hereto, such Grantor shall automatically be deemed to grant the Collateral Agent a new
irrevocable proxy, on the same terms and subject to the same conditions as those previously granted pursuant to Section&nbsp;5.14. Upon the reasonable written request of the Collateral Agent and subject to Section&nbsp;5.15(b), such Grantor agrees
to deliver to the Collateral Agent, on behalf of the Collateral Agent and the other Secured Parties, such further evidence of such irrevocable proxy or such further irrevocable proxies to enable the Secured Party to vote the Collateral after the
occurrence and during the continuance of an Event of Default. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-36- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 5.15. <U>General Authority of the Collateral Agent</U>. By acceptance of the
benefits of this Agreement and any other Collateral Documents, each Secured Party (whether or not a signatory hereto) shall be deemed irrevocably (a)&nbsp;to consent to the appointment of the Collateral Agent as its agent hereunder and under such
other Collateral Documents, (b)&nbsp;to confirm that the Collateral Agent shall have the authority to act as the exclusive agent of such Secured Party for the enforcement of any provisions of this Agreement and such other Collateral Documents
against any Grantor, the exercise of remedies hereunder or thereunder and the giving or withholding of any consent or approval hereunder or thereunder relating to any Collateral or any Grantor&#146;s obligations with respect thereto, (c)&nbsp;to
agree that it shall not take any action to enforce any provisions of this Agreement or any other Collateral Document against any Grantor, to exercise any remedy hereunder or thereunder or to give any consents or approvals hereunder or thereunder
except as expressly provided in this Agreement or any other Note Document and (d)&nbsp;to agree to be bound by the terms of this Agreement and any other Collateral Documents. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 5.16. <U>Reinstatement</U>. The obligations of the Grantors under this Agreement shall be automatically reinstated if and to the
extent that for any reason any payment by or on behalf of the Issuer or any other Notes Party in respect of the Secured Notes Obligations is rescinded or must be otherwise restored by any holder of any of the Secured Notes Obligations, whether as a
result of any proceedings in bankruptcy or reorganization or otherwise. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 5.17. <U>The Collateral Agent</U>. The Collateral Agent
shall be entitled to all of the protections, immunities, rights and indemnities provided to it in the Note Purchase Agreement, all of which are hereby incorporated herein by reference, <I>mutatis mutandis</I>. Notwithstanding anything else to the
contrary set forth herein, whenever reference is made herein or any other Note 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 not to be) suffered or omitted by the Collateral Agent or to any election, decision, opinion, acceptance, use of judgment expression of satisfaction or other exercise of discretion, rights or remedies to be made
(or not to be made) by the Collateral Agent, (i)&nbsp;such provision shall refer to the Collateral Agent exercising each of the foregoing at the instruction of the Required Holders and (ii)&nbsp;it is understood that in all cases, the Collateral
Agent shall be fully justified in failing or refusing to take any such action if it shall not have received written instruction, advice or concurrence from the Required Holders (or such other number or percentage of Noteholders as shall be expressly
provided for in any Note Document) in respect of such action. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-37- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 5.18. <U>Equal Priority Intercreditor Agreements Govern</U>. Notwithstanding
anything herein to the contrary, the lien and security interest granted to the Collateral Agent pursuant to this Agreement and the exercise of any right or remedy by the Collateral Agent hereunder are subject to the provisions of the Equal Priority
Intercreditor Agreement. In the event of any conflict between the terms of the Equal Priority Intercreditor Agreement and this Agreement, the terms of the Equal Intercreditor Agreement shall govern. So long as the Equal Intercreditor Agreement is
outstanding, the requirement of this Agreement to deliver Collateral to the Collateral Agent (or any representation or warranty having the effect of requiring the same) shall be deemed satisfied (or any such representation or warranty shall be
deemed true by delivery of such Collateral to the Controlling Collateral Agent as bailee of, and behalf of, the Collateral Agent pursuant to Equal Priority Intercreditor Agreement). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-38- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement as of the day and
year first above written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">VELOCITY COMMERCIAL CAPITAL, LLC, as the Issuer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Roland T. Kelly</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name: Roland T. Kelly</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title: General Counsel</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">VELOCITY FINANCIAL, INC., as Parent</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Roland T. Kelly</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name: Roland T. Kelly</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title: General Counsel</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to
2029 Notes Security Agreement]</I> </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION,</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">as Collateral Agent,</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Juan S. Hernandez</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name: Juan S. Hernandez</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title: Assistant Vice President</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to
2029 Notes Security Agreement]</I> </P>

</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.3
<SEQUENCE>4
<FILENAME>d745667dex103.htm
<DESCRIPTION>EX-10.3
<TEXT>
<HTML><HEAD>
<TITLE>EX-10.3</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 10.3 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B><I>Execution Version </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">EQUAL PRIORITY INTERCREDITOR AGREEMENT </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">among </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">VELOCITY COMMERCIAL
CAPITAL, LLC, </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">as the Issuer </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">VELOCITY FINANCIAL, INC., </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">as
Parent </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center">THE OTHER GRANTORS FROM TIME TO TIME PARTY HERETO, </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">as 2027 Notes Collateral Agent for the 2027 Notes Secured Parties, </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">as the 2029 Notes Collateral Agent for the 2029 Notes Secured Parties, </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">each Additional Agent from
time to time party hereto </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">dated as of February&nbsp;5, 2024 </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">TABLE OF CONTENTS </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="19%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="77%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>ARTICLE I</B> DEFINITIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 1.01.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Certain Defined Terms</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 1.02.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Terms Generally</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 1.03.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Impairments</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>ARTICLE II</B> PRIORITIES AND AGREEMENTS WITH RESPECT TO SHARED COLLATERAL</P></TD>

<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 2.01.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Priority of Claims</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 2.02.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Actions with Respect to Shared Collateral; Prohibition on Contesting Liens</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 2.03.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>No Interference; Payment Over</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 2.04.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Automatic Release of Liens; Amendments to Equal Priority Security Documents</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 2.05.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Certain Agreements with Respect to Bankruptcy or Insolvency Proceedings</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 2.06.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Reinstatement</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 2.07.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Insurance</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 2.08.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Refinancings</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;2.09.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Controlling Collateral Agent as Gratuitous Bailee for Perfection</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>ARTICLE III</B> EXISTENCE AND AMOUNTS OF LIENS AND OBLIGATIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 3.01.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Determinations with Respect to Amounts of Liens and Obligations</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>ARTICLE IV</B> THE CONTROLLING COLLATERAL AGENT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 4.01.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Appointment and Authority</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 4.02.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Rights as an Equal Priority Secured Party</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 4.03.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Exculpatory Provisions</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 4.04.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Collateral and Guaranty Matters</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>ARTICLE V</B> MISCELLANEOUS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.01.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Notices</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.02.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Waivers; Amendment; Joinder Agreements</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.03.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Parties in Interest</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.04.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Survival of Agreement</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.05.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Counterparts</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.06.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Severability</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.07.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Authorization</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.08.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Submission to Jurisdiction Waivers; Consent to Service of Process</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.09.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>GOVERNING LAW; WAIVER OF JURY TRIAL</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.10.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Headings</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.11.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Conflicts</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.12.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Provisions Solely to Define Relative Rights</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.13.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Additional Equal Priority Obligations</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.14.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Integration</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.15.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Information Concerning Financial Condition of the Issuer and the other Grantors</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.16.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Additional Grantors</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.17.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Further Assurances</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SECTION 5.18.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>2027 Notes Collateral Agent and 2029 Notes Collateral Agent</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:18pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">i </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">EQUAL PRIORITY INTERCREDITOR AGREEMENT, dated as of February&nbsp;5, 2024 (as amended,
restated, amended and restated, supplemented or otherwise modified from time to time, this &#147;<B>Agreement</B>&#148;), among Velocity Commercial Capital, LLC, a California limited liability company (the &#147;<B>Issuer</B>&#148;), Velocity
Financial, Inc., a Delaware corporation (the &#147;<B>Parent</B>&#148;), the other Grantors (as defined below) from time to time party hereto, U.S. Bank Trust Company, National Association, as collateral agent for the 2027 Notes Secured Parties (as
defined below) (in such capacity and together with its successors in such capacity, the &#147;<B>2027 Notes Collateral Agent</B>&#148;), U.S. Bank Trust Company, National Association, as collateral agent for the 2029 Notes Secured Parties (as
defined below) (in such capacity and together with its successors in such capacity, the &#147;<B>2029</B> <B>Notes Collateral Agent</B>&#148;), and each Additional Agent from time to time party hereto for the Additional Equal Priority Secured
Parties of the Series with respect to which it is acting in such capacity. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">In consideration of the mutual agreements herein contained and
other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the 2027 Notes Collateral Agent (for itself and on behalf of the 2027 Notes Secured Parties), the 2029 Notes Collateral Agent (for itself and on
behalf of the 2029 Notes Secured Parties) and each Additional Agent (for itself and on behalf of the Additional Equal Priority Secured Parties of the applicable Series) agree as follows: </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE I </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Definitions
</U></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 1.01. <U>Certain Defined Terms</U>. Capitalized terms used but not otherwise defined herein have the meanings set forth in
the 2027 Note Purchase Agreement and the 2029 Note Purchase Agreement, as applicable, with the 2027 Note Purchase Agreement controlling in the event of discrepancies, or, if defined in the New York UCC, the meanings specified therein. As used in
this Agreement, the following terms have the meanings specified below: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>2027 Note Purchase Agreement</B>&#148; means that certain
Note Purchase Agreement dated as of March&nbsp;15, 2022, among the Issuer, the Parent, the purchasers party thereto and U.S. Bank Trust Company, National Association, as collateral agent, as such Note Purchase Agreement may be further amended,
restated, supplemented, increased or otherwise modified, refinanced or replaced from time to time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>2027 Notes Collateral
Agent</B>&#148; has the meaning assigned to such term in the preamble hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>2027 Notes Obligations</B>&#148; means the
&#147;Secured Notes Obligations&#148; as defined in the 2027 Note Purchase Agreement. Notwithstanding anything to the contrary, when used in the definition of the term &#147;Discharge of 2027 Notes Obligations&#148; in this Agreement, the term
&#147;2027 Notes Obligations&#148; means all obligations under the 2027 Note Purchase Agreement. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>2027 Notes Secured Parties</B>&#148; means the &#147;Secured Parties&#148; as
defined in the 2027 Note Purchase Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>2027 Notes Security Agreement</B>&#148; means the &#147;Collateral Agreement&#148;
as defined in the 2027 Note Purchase Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>2029 Note Purchase Agreement</B>&#148; means that certain Note Purchase
Agreement, dated as of February&nbsp;5, 2024, among the Issuer, the Parent, the purchasers party thereto and U.S. Bank Trust Company, National Association, as collateral agent, as such Note Purchase Agreement may be further amended, restated,
supplemented, increased or otherwise modified, refinanced or replaced from time to time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>2029</B> <B>Notes Collateral
Agent</B>&#148; has the meaning assigned to such term in the preamble hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>2029 Notes Obligations</B>&#148; means the
&#147;Secured Notes Obligations&#148; as defined in the 2029 Notes Security Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>2029 Notes Secured Parties</B>&#148;
means the &#147;Secured Parties&#148; as defined in the 2029 Notes Security Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>2029</B> <B>Notes Security
Agreement</B>&#148; means the &#147;Collateral Agreement&#148; as defined in the 2029 Note Purchase Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Additional
Agent</B>&#148; means the collateral agent and the administrative agent and/or trustee (as applicable) or any other similar agent or Person under any Additional Equal Priority Documents, in each case, together with its successors in such capacity.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Additional Equal Priority Debt Facility</B>&#148; means one or more debt facilities, commercial paper facilities, indentures or
note purchase agreements with respect to which the requirements of Section&nbsp;5.13 of this Agreement have been satisfied, in each case with banks, other lenders or trustees providing for revolving credit loans, term loans, letters of credit, notes
or other borrowings, in each case, as amended, restated, supplemented or otherwise modified, refinanced or replaced from time to time; <U>provided</U> that neither the 2027 Note Purchase Agreement nor the 2029 Note Purchase Agreement shall
constitute an Additional Equal Priority Debt Facility at any time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Additional Equal Priority Documents</B>&#148; means, with
respect to any Series of Additional Equal Priority Obligations, the notes, credit agreements, indentures, note purchase agreements, security documents and other operative agreements evidencing or governing such indebtedness, and each other agreement
entered into for the purpose of securing any Series of Additional Equal Priority Obligations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Additional Equal Priority
Obligations</B>&#148; means, with respect to any Additional Equal Priority Debt Facility, (a)&nbsp;all principal of, and interest (including, without limitation, any interest, fees and other amounts that accrue after the commencement of any
Bankruptcy Case, whether or not allowed or allowable as a claim in any such proceeding) payable with respect to, such Additional Equal Priority Debt Facility, (b)&nbsp;all other amounts payable to the related Additional Equal Priority Secured
Parties under the related Additional Equal Priority Documents and (c)&nbsp;any Refinancing of the foregoing. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Additional Equal Priority Secured Party</B>&#148; means, with respect to any Series
of Additional Equal Priority Obligations, the holders of such Additional Equal Priority Obligations, the Additional Agent with respect thereto, any trustee or agent or any other similar agent or Person therefor under any related Additional Equal
Priority Documents and the beneficiaries of each indemnification obligation undertaken by the Issuer or any borrower, guarantor or obligor under any related Additional Equal Priority Documents. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Agreement</B>&#148; has the meaning assigned to such term in the preamble hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Bankruptcy Case</B>&#148; has the meaning assigned to such term in Section&nbsp;2.05(b). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Bankruptcy Code</B>&#148; means Title 11 of the United States Code (11 U.S.C. &#167; 101 et seq.). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Bankruptcy Law</B>&#148; means the Bankruptcy Code and all other liquidation, conservatorship, bankruptcy, general assignment for the
benefit of creditors, moratorium, rearrangement, receivership, insolvency, reorganization or similar debtor relief laws of the U.S. or other applicable jurisdictions from time to time in effect and affecting the rights of creditors generally. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Business Day</B>&#148; means any day other than a Saturday, Sunday or other day on which commercial banks are authorized to close
under the laws of, or are in fact closed in, New York City. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Collateral</B>&#148; means all assets and properties subject to
Liens created pursuant to any Equal Priority Security Document to secure one or more Series of Equal Priority Obligations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Collateral Agent</B>&#148; means (a)&nbsp;in the case of any 2027 Notes Obligations, the 2027 Notes Collateral Agent, (b)&nbsp;in the
case of the 2029 Notes Obligations, the 2029 Notes Collateral Agent, and (c)&nbsp;in the case of any Series of Additional Equal Priority Obligations or Additional Equal Priority Secured Parties that become subject to this Agreement after the date
hereof, the Additional Agent named for such Series in the applicable Joinder Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Controlling Collateral Agent</B>&#148;
means, with respect to any Shared Collateral, (a)&nbsp;until the Controlling Collateral Agent Change Date, the 2027 Notes Collateral Agent and (b)&nbsp;from and after the Controlling Collateral Agent Change Date, the Major <FONT
STYLE="white-space:nowrap">Non-Controlling</FONT> Collateral Agent. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Controlling Collateral Agent Change Date</B>&#148; means the
earlier of (a)&nbsp;the Discharge of 2027 Notes Obligations and (b)&nbsp;the <FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Collateral Agent Enforcement Date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Controlling Secured Parties</B>&#148; means, with respect to any Shared Collateral, the Series of Equal Priority Secured Parties
whose Collateral Agent is the Controlling Collateral Agent for such Shared Collateral. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>DIP Financing</B>&#148; has the meaning assigned to such term in
Section&nbsp;2.05(b). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>DIP Financing Liens</B>&#148; has the meaning assigned to such term in Section&nbsp;2.05(b). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>DIP Lenders</B>&#148; has the meaning assigned to such term in Section&nbsp;2.05(b). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Discharge</B>&#148; means, with respect to any Shared Collateral and any Series of Equal Priority Obligations, the date on which such
Series of Equal Priority Obligations is no longer secured by such Shared Collateral. The term &#147;<B>Discharged</B>&#148; shall have a corresponding meaning. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Discharge of 2027 Notes Obligations</B>&#148; means, with respect to any Shared Collateral, the Discharge of all 2027 Notes
Obligations with respect to such Shared Collateral. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Discharge of Equal Priority Obligations</B>&#148; means, with respect to any
Shared Collateral, the Discharge of all Equal Priority Obligations with respect to such Shared Collateral. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Equal Priority
Obligations</B>&#148; means, collectively, (a)&nbsp;the 2027 Notes Obligations, (b)&nbsp;the 2029 Notes Obligations and (c)&nbsp;each Series of Additional Equal Priority Obligations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Equal Priority Secured Parties</B>&#148; means (a)&nbsp;the 2027 Notes Secured Parties, (b)&nbsp;the 2029 Notes Secured Parties and
(c)&nbsp;the Additional Equal Priority Secured Parties with respect to each Series of Additional Equal Priority Obligations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Equal Priority Security Documents</B>&#148; means the 2027 Notes Security Agreement, the other Collateral Documents (as defined in
the 2027 Note Purchase Agreement), the 2029 Notes Security Agreement, the other Collateral Documents (as defined in the 2029 Note Purchase Agreement) and each other agreement entered into in favor of any Collateral Agent for the purpose of securing
any Series of Equal Priority Obligations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Event of Default</B>&#148; means an &#147;Event of Default&#148; (or any other
similarly defined term) as defined in any Secured Debt Document. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Grantors</B>&#148; means the Parent, Issuer and each Subsidiary
of the Issuer that, at the option of the Issuer, has granted a security interest pursuant to any Equal Priority Security Document to secure any Series of Equal Priority Obligations. The Grantors existing on the date hereof are set forth in Annex I
hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Impairment</B>&#148; has the meaning assigned to such term in Section&nbsp;1.03. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Insolvency or Liquidation Proceeding</B>&#148; means: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) any case or proceeding commenced by or against the Issuer or any other Grantor under the Bankruptcy Code or any other
Bankruptcy Law, any other case or proceeding for the reorganization, recapitalization or adjustment or marshalling of the assets or liabilities of the Issuer or any other Grantor, any receivership or assignment for the benefit of creditors relating
to the Issuer or any other Grantor or any similar case or proceeding relative to the Issuer or any other Grantor or its creditors, as such, in each case whether or not voluntary; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) any liquidation, dissolution, marshalling of assets or liabilities or
other winding up of or relating to the Issuer or any other Grantor, in each case whether or not voluntary and whether or not involving bankruptcy or insolvency; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) any other case or proceeding of any type or nature in which substantially all claims of creditors of the Issuer or any
other Grantor are determined and any payment or distribution is or may be made on account of such claims. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Intervening
Creditor</B>&#148; shall have the meaning assigned to such term in Section&nbsp;2.01(a). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Issuer</B>&#148; has the meaning
assigned to such term in the preamble hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Joinder Agreement</B>&#148; means a supplement to this Agreement in the form of
Annex II hereof required to be delivered by an Additional Agent to the Controlling Collateral Agent pursuant to Section&nbsp;5.13 hereto in order to establish a Series of Additional Equal Priority Obligations and become Additional Equal Priority
Secured Parties hereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Major <FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Collateral Agent</B>&#148; means, with
respect to any Shared Collateral and at any time, (a)&nbsp;the 2029 Notes Collateral Agent and (b)&nbsp;after Discharge of the 2029 Notes Obligations, the Collateral Agent of the Series of Equal Priority Obligations that constitutes the largest
outstanding aggregate principal amount of any then outstanding Series of Equal Priority Obligations with respect to such Shared Collateral. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>New York UCC</B>&#148; means the Uniform Commercial Code as from time to time in effect in the State of New York. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B><FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Collateral Agent</B>&#148; means, at any time with respect to any Shared
Collateral, any Collateral Agent that is not the Controlling Collateral Agent at such time with respect to such Shared Collateral. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B><FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Collateral Agent Enforcement Date</B>&#148; means, with respect to any <FONT
STYLE="white-space:nowrap">Non-Controlling</FONT> Collateral Agent, the date that is 120 days (throughout which <FONT STYLE="white-space:nowrap">120-day</FONT> period such <FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Collateral Agent was
the Major <FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Collateral Agent) after the occurrence of both (a)&nbsp;an Event of Default under and as defined in the Secured Debt Documents for the applicable Series of Equal Priority Obligations
under which such <FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Collateral Agent is the Collateral Agent, but only for so long as such Event of Default is continuing and (b)&nbsp;the Controlling Collateral Agent and each other Collateral
Agent&#146;s receipt of written notice from such <FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Collateral Agent certifying that (i)&nbsp;such <FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Collateral Agent is the Major <FONT
STYLE="white-space:nowrap">Non-Controlling</FONT> Collateral Agent and that an Event of Default under and as defined in the Secured Debt Documents under which such <FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Collateral Agent is the
Collateral Agent has occurred and is continuing and (ii)&nbsp;the Equal Priority Obligations of the Series with respect to which such <FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Collateral Agent is the Collateral Agent are currently due
and payable in full (whether as a result of acceleration thereof or otherwise) in accordance with the terms of the applicable Secured Debt Documents for that Series of Equal Priority Obligations; <U>provided</U> that the <FONT
STYLE="white-space:nowrap">Non-Controlling</FONT> Collateral Agent Enforcement Date shall be stayed and shall not occur and shall be deemed not to have occurred with respect to any Shared Collateral (x)&nbsp;at any time the Controlling Collateral
Agent has commenced and is diligently pursuing any enforcement action with respect to such Shared Collateral or (y)&nbsp;at any time that the Grantor that has granted a security interest in such Shared Collateral is then a debtor under or with
respect to (or otherwise subject to) any Insolvency or Liquidation Proceeding. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B><FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Secured Parties</B>&#148;
means, with respect to any Shared Collateral, the Equal Priority Secured Parties that are not Controlling Secured Parties with respect to such Shared Collateral. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Possessory Collateral</B>&#148; means any Shared Collateral in the possession of any Collateral Agent (or its agents or bailees), to
the extent that possession thereof perfects a Lien thereon under the Uniform Commercial Code of any jurisdiction. Possessory Collateral includes, without limitation, any certificated Securities, Instruments and Tangible Chattel Paper, in each case,
delivered to or in the possession of the Collateral Agent under the terms of the Equal Priority Security Documents. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Proceeds</B>&#148; has the meaning assigned to such term in Section&nbsp;2.01(a). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Refinance</B>&#148; means, with respect to any Indebtedness, to refinance, extend, renew, defease, amend, increase, restate, modify,
supplement, restructure, refund, replace, repay, redeem, repurchase, acquire, prepay, retire or extinguish such Indebtedness or to enter into alternative financing arrangements to exchange or replace (in whole or in part) such Indebtedness,
including by adding or replacing lenders, creditors, agents, borrowers and/or guarantors, or, after the original instrument giving rise to such Indebtedness has been terminated, by entering into any credit agreement, loan agreement, note purchase
agreement, indenture or other agreement. &#147;<B>Refinanced</B>&#148; and &#147;<B>Refinancing</B>&#148; have correlative meanings. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Secured Debt Document</B>&#148; means (a)&nbsp;the 2027 Note Purchase Agreement, the Notes (as defined in the 2027 Note Purchase
Agreement), the 2027 Notes Security Agreement and each other Collateral Document (as defined in the 2027 Note Purchase Agreement), (b) the 2029 Note Purchase Agreement, the Notes (as defined in the 2029 Note Purchase Agreement), the 2029 Notes
Security Agreement and each other Collateral Document (as defined in the 2029 Note Purchase Agreement) and (c)&nbsp;each Additional Equal Priority Document. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Senior Class</B><B></B><B>&nbsp;Debt</B>&#148; shall have the meaning assigned to such term in Section&nbsp;5.13. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Senior Class</B><B></B><B>&nbsp;Debt Parties</B>&#148; shall have the meaning assigned to such term in Section&nbsp;5.13. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Senior Class</B><B></B><B>&nbsp;Debt Representative</B>&#148; shall have the meaning assigned to such term in Section&nbsp;5.13. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Senior Liens</B>&#148; means the Liens on the Collateral in favor of the Equal Priority Secured Parties under the Equal Priority
Security Documents. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Series</B>&#148; means (a)&nbsp;with respect to the Equal Priority Secured Parties,
each of (i)&nbsp;the 2027 Notes Secured Parties (in their capacity as such), (ii) the 2029 Notes Secured Parties (in their capacity as such) and (iii)&nbsp;the Additional Equal Priority Secured Parties that become subject to this Agreement after the
date hereof that are represented by a common Collateral Agent (in its capacity as such for such Additional Equal Priority Secured Parties) and (b)&nbsp;with respect to any Equal Priority Obligations, each of (i)&nbsp;the 2027 Notes Obligations,
(ii)&nbsp;the 2029 Notes Obligations and (iii)&nbsp;the Additional Equal Priority Obligations incurred pursuant to any Additional Equal Priority Debt Facility or any related Additional Equal Priority Documents, which pursuant to any Joinder
Agreement are to be represented under this Agreement by a common Collateral Agent (in its capacity as such for such Additional Equal Priority Obligations). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Shared Collateral</B>&#148; means, at any time, (i)&nbsp;Collateral in which the holders of two or more Series of Equal Priority
Obligations (or their respective Collateral Agents) hold a valid and perfected security interest at such time and (ii)&nbsp;any Deposit Accounts or Securities Accounts in which the holders of any Series of Equal Priority Obligations (or their
respective Collateral Agents) hold a valid and perfected security interest at such time. If more than two Series of Equal Priority Obligations are outstanding at any time and the holders of less than all Series of Equal Priority Obligations hold a
valid and perfected security interest in any Collateral at such time, then such Collateral shall constitute Shared Collateral for those Series of Equal Priority Obligations that hold a valid security interest in such Collateral at such time and
shall not constitute Shared Collateral for any Series that does not have a valid and perfected security interest in such Collateral at such time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">&#147;<B>Uniform Commercial Code</B>&#148; or &#147;<B>UCC</B>&#148; means the New York UCC, or the Uniform Commercial Code (or any similar or
comparable legislation) of another jurisdiction, to the extent it may be required to apply to any item or items of Collateral. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION
1.02. <U>Terms Generally</U>. The definitions of terms herein shall apply equally to 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 &#147;include,&#148; &#147;includes&#148; and &#147;including&#148; shall be deemed to be followed by the phrase &#147;without limitation.&#148; The word &#147;will&#148; shall be construed to have the same meaning and effect as the
word &#147;shall.&#148; Unless the context requires otherwise, (i)&nbsp;any definition of or reference to any agreement, instrument, other document, statute or regulation herein shall be construed as referring to such agreement, instrument, other
document, statute or regulation as from time to time amended, supplemented or otherwise modified, (ii)&nbsp;any reference herein to any Person shall be construed to include such Person&#146;s successors and assigns, but shall not be deemed to
include the subsidiaries of such Person unless express reference is made to such subsidiaries, (iii)&nbsp;the words &#147;herein,&#148; &#147;hereof&#148; and &#147;hereunder&#148; and words of similar import, shall be construed to refer to this
Agreement in its entirety and not to any particular provision hereof, (iv)&nbsp;all references herein to Articles, Sections and Annexes shall be construed to refer to Articles, Sections and Annexes of this Agreement, (v)&nbsp;unless otherwise
expressly qualified herein, the words &#147;asset&#148; and &#147;property&#148; shall be construed to have 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 and (vi)&nbsp;the term &#147;or&#148; is not exclusive. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 1.03. <U>Impairments</U>. It is the intention of the Equal Priority Secured Parties
of each Series that the holders of Equal Priority Obligations of such Series (and not the Equal Priority Secured Parties of any other Series) bear the risk of (i)&nbsp;any determination by a court of competent jurisdiction that (x)&nbsp;any of the
Equal Priority Obligations of such Series are unenforceable under applicable law or are subordinated to any other obligations (other than another Series of Equal Priority Obligations), (y) any of the Equal Priority Obligations of such Series do not
have an enforceable security interest in any of the Collateral securing any other Series of Equal Priority Obligations and/or (z)&nbsp;any intervening security interest exists securing any other obligations (other than another Series of Equal
Priority Obligations) on a basis ranking prior to the security interest of such Series of Equal Priority Obligations but junior to the security interest of any other Series of Equal Priority Obligations or (ii)&nbsp;the existence of any Collateral
for any other Series of Equal Priority Obligations that is not Shared Collateral (any such condition referred to in the foregoing clauses (i)&nbsp;or (ii) with respect to any Series of Equal Priority Obligations, an &#147;<B>Impairment</B>&#148; of
such Series); <U>provided</U> that the existence of a maximum claim with respect to Mortgaged Properties (as defined in the 2027 Note Purchase Agreement or 2029 Note Purchase Agreement) which applies to all Equal Priority Obligations shall not be
deemed to be an Impairment of any Series of Equal Priority Obligations. In the event of any Impairment with respect to any Series of Equal Priority Obligations, the results of such Impairment shall be borne solely by the holders of such Series of
Equal Priority Obligations, and the rights of the holders of such Series of Equal Priority Obligations (including, without limitation, the right to receive distributions in respect of such Series of Equal Priority Obligations pursuant to
Section&nbsp;2.01) set forth herein shall be modified to the extent necessary so that the effects of such Impairment are borne solely by the holders of the Series of such Equal Priority Obligations subject to such Impairment. Additionally, in the
event the Equal Priority Obligations of any Series are modified pursuant to applicable law (including, without limitation, pursuant to Section&nbsp;1129 of the Bankruptcy Code), any reference to such Equal Priority Obligations or the Secured Debt
Documents governing such Equal Priority Obligations shall refer to such obligations or such documents as so modified. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE II
</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Priorities and Agreements with Respect to Shared Collateral </U></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 2.01. <U>Priority of Claims</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) Anything contained herein or in any of the Secured Debt Documents to the contrary notwithstanding (but subject to Section&nbsp;1.03), if an
Event of Default has occurred and is continuing and the Controlling Collateral Agent is taking action to enforce rights in respect of any Shared Collateral, or any distribution is made in respect of any Shared Collateral in any Bankruptcy Case of
the Issuer or any other Grantor or any Equal Priority Secured Party receives any payment pursuant to any intercreditor agreement (other than this Agreement) with respect to any Shared Collateral, the proceeds of any sale, collection or other
liquidation of any such Shared Collateral by any Collateral Agent or any Equal Priority Secured Party and proceeds of any such distribution or payment (all proceeds of any sale, collection or other liquidation of any Shared Collateral and all
proceeds of any such distribution or payment being collectively referred to as &#147;<B>Proceeds</B>&#148;), shall be applied (i)&nbsp;FIRST, to the payment of all amounts owing to each Collateral Agent (in its capacity as such) pursuant to the
terms of any Secured Debt Document, (ii)&nbsp;SECOND, subject to Section&nbsp;1.03, to the payment in full of the Equal Priority Obligations of each Series on a ratable basis, with such Proceeds to be applied to the Equal Priority Obligations of a
given Series in accordance with the terms of the Secured Debt Documents applicable to such Series and (iii)&nbsp;THIRD, after the Discharge of Equal Priority Obligations, to the Issuer and the other Grantors or their successors or assigns, as their
interests may appear. Notwithstanding the foregoing, with respect to any Shared Collateral for which a third party (other than an Equal Priority Secured Party) has a lien or security interest that is junior in priority to the security interest of
any Series of Equal Priority Obligations, but senior (as determined by appropriate legal proceedings in the case of any dispute) to the security interest of any other Series of Equal Priority Obligations (such third party an &#147;<B>Intervening
Creditor</B>&#148;), the value of any Shared Collateral or Proceeds that are allocated to such Intervening Creditor shall be deducted on a ratable basis solely from the Shared Collateral or Proceeds to be distributed in respect of the Series of
Equal Priority Obligations with respect to which such Impairment exists. If, despite the provisions of this Section&nbsp;2.01(a), any Equal Priority Secured Party shall receive any payment or other recovery in excess of its portion of payments on
account of the Equal Priority Obligations to which it is then entitled in accordance with this Section&nbsp;2.01(a), such Equal Priority Secured Party shall hold such payment or recovery in trust for the benefit of all Equal Priority Secured Parties
for distribution in accordance with this Section&nbsp;2.01(a). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) Notwithstanding the date, time, method, manner or order of grant, attachment or
perfection of any Liens securing any Series of Equal Priority Obligations granted on the Shared Collateral and notwithstanding any provision of the Uniform Commercial Code of any jurisdiction, or any other applicable law or the Secured Debt
Documents or any defect or deficiencies in the Liens securing the Equal Priority Obligations of any Series or any other circumstance whatsoever (but, in each case, subject to Section&nbsp;1.03), each Equal Priority Secured Party hereby agrees that
(i)&nbsp;the Liens securing each Series of Equal Priority Obligations on any Shared Collateral shall be of equal priority and (ii)&nbsp;the benefits and proceeds of the Shared Collateral shall be shared among the Equal Priority Secured Parties as
provided herein. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 2.02. <U>Actions with Respect to Shared Collateral; Prohibition on Contesting Liens</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) With respect to any Shared Collateral, (i)&nbsp;only the Controlling Collateral Agent shall act or refrain from acting with respect to the
Shared Collateral (including with respect to any intercreditor agreement with respect to any Shared Collateral) and (ii)&nbsp;no <FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Collateral Agent or other
<FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Secured Party shall, or shall instruct the Controlling Collateral Agent to, commence any judicial or nonjudicial foreclosure proceedings with respect to, seek to have a trustee, receiver,
liquidator or similar official appointed for or over, attempt any action to take possession of, exercise any right, remedy or power with respect to, or otherwise take any action to enforce its security interest in or realize upon, or take any other
action available to it in respect of, any Shared Collateral (including with respect to any intercreditor agreement with respect to any Shared Collateral), whether under any Equal Priority Security Document, applicable law or otherwise, it being
agreed that only the Controlling Collateral Agent shall be entitled to take any such actions or exercise any such remedies with respect to Shared Collateral; <U>provided</U> that, notwithstanding the foregoing, (i)&nbsp;in any Bankruptcy Case, any
Collateral Agent or any other Equal Priority Secured Party may file a proof of claim or statement of interest with respect to the Equal Priority Obligations owed to the Equal Priority Secured Parties; (ii)&nbsp;any Collateral Agent or any other
Equal Priority Secured Party may take any action to preserve or protect the validity and enforceability of the Liens granted in favor of the Equal Priority Secured Parties; <U>provided</U> that no such action is, or could reasonably be expected to
be, (A)&nbsp;adverse to the Liens granted in favor of the Controlling Secured Parties or the rights of the Controlling Collateral Agent or any other Controlling Secured Parties to exercise remedies in respect thereof or (B)&nbsp;otherwise
inconsistent with the terms of this Agreement; and (iii)&nbsp;any Collateral Agent or any other Equal Priority Secured Party may file any responsive or defensive pleadings in opposition to any motion, claim, adversary proceeding or other pleading
made by any Person objecting to or otherwise seeking the disallowance of the claims of such Equal Priority Secured Party, including any claims secured by the Shared Collateral, in each case, to the extent not inconsistent with the terms of this
Agreement. Notwithstanding the equal priority of the Liens, the Controlling Collateral Agent may deal with the Shared Collateral as if such Controlling Collateral Agent had a senior Lien on such Collateral. No
<FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Collateral Agent or <FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Secured Party will, or will have the right to, contest, protest or object to any foreclosure proceeding or action
brought by the Controlling Collateral Agent or any Controlling Secured Party or any other exercise by the Controlling Collateral Agent or any Controlling Secured Party of any rights and remedies relating to the Shared Collateral. The foregoing shall
not be construed to limit the rights and priorities of any Equal Priority Secured Party or Collateral Agent with respect to any Collateral not constituting Shared Collateral. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) Each Collateral Agent and the Equal Priority Secured Parties for which it is acting
hereunder agree to be bound by the provisions of this Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) Each of the Equal Priority Secured Parties agrees that it will not
(and hereby waives any right to) contest or support any other Person in contesting, in any proceeding (including any Insolvency or Liquidation Proceeding), the perfection, priority, validity, attachment or enforceability of a Lien held by or on
behalf of any of the Equal Priority Secured Parties in all or any part of the Shared Collateral, or the provisions of this Agreement; <U>provided</U> that nothing in this Agreement shall be construed to prevent or impair the rights of any Collateral
Agent or any other Equal Priority Secured Party to enforce this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 2.03. <U>No Interference; Payment Over</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) Each Equal Priority Secured Party agrees that (i)&nbsp;it will not challenge, or support any other Person in challenging, in any proceeding
the validity or enforceability of any Equal Priority Obligations of any Series or any Equal Priority Security Document or the validity, attachment, perfection or priority of any Lien under any Equal Priority Security Document or the validity or
enforceability of the priorities, rights or duties established by this Agreement, (ii)&nbsp;it will not take or cause to be taken any action the purpose or intent of which is, or could be, to interfere, hinder or delay, in any manner, whether by
judicial proceedings or otherwise, any sale, transfer or other disposition of the Shared Collateral by the Controlling Collateral Agent, (iii)&nbsp;it will not institute in any Bankruptcy Case or other proceeding any claim against the Controlling
Collateral Agent or any other Equal Priority Secured Party seeking damages from or other relief by way of specific performance, instructions or otherwise with respect to any Shared Collateral, and none of the Controlling Collateral Agent or any
other Equal Priority Secured Party shall be liable for any action taken or omitted to be taken by the Controlling Collateral Agent or other Equal Priority Secured Party with respect to any Shared Collateral in accordance with the provisions of this
Agreement, (iv)&nbsp;it will not seek, and hereby waives any right, to have any Shared Collateral or any part thereof marshaled upon any foreclosure or other disposition of such Collateral and (v)&nbsp;it will not attempt, directly or indirectly,
whether by judicial proceedings or otherwise, to challenge the enforceability of any provision of this Agreement; <U>provided</U> that nothing in this Agreement shall be construed to prevent or impair the rights of any Collateral Agent or any other
Equal Priority Secured Party to enforce this Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) Each Equal Priority Secured Party hereby agrees that if it shall obtain possession of
any Shared Collateral or shall realize any proceeds or payment in respect of any such Shared Collateral, pursuant to any Equal Priority Security Document or by the exercise of any rights available to it under applicable law or in any Bankruptcy Case
or Insolvency or Liquidation Proceeding or through any other exercise of remedies (including pursuant to any intercreditor agreement), at any time prior to the Discharge of Equal Priority Obligations, then it shall hold such Shared Collateral,
proceeds or payment in trust for the other Equal Priority Secured Parties that have a security interest in such Shared Collateral and promptly transfer such Shared Collateral, Proceeds or payment, as the case may be, to the Controlling Collateral
Agent to be distributed in accordance with the provisions of Section&nbsp;2.01 hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 2.04. <U>Automatic Release of Liens;
Amendments to Equal Priority Security Documents</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) If at any time the Controlling Collateral Agent forecloses upon or otherwise
exercises remedies with respect to any Shared Collateral resulting in a sale or disposition thereof, then (whether or not any Insolvency or Liquidation Proceeding is pending at the time) the Liens in favor of each Collateral Agent for the benefit of
each Series of Equal Priority Secured Parties upon such Shared Collateral will automatically be released and discharged; <U>provided</U> that any proceeds of any Shared Collateral realized therefrom shall be applied pursuant to Section&nbsp;2.01
hereof. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) Each Collateral Agent agrees to execute and deliver (at the sole cost and expense of the Grantors) all such authorizations and
other instruments (in form and substance reasonably satisfactory to the parties executing such instruments) as shall reasonably be requested by the Controlling Collateral Agent to evidence and confirm any release of Shared Collateral provided for in
this Section. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) Each Equal Priority Secured Party in respect of a Series agrees that each Collateral Agent in respect of any other
Series may enter into any amendment to any Equal Priority Security Document that does not violate this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 2.05.
<U>Certain Agreements with Respect to Bankruptcy or Insolvency Proceed</U><U>ings</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) This Agreement shall continue in full force and
effect notwithstanding the commencement of any Insolvency or Liquidation Proceeding under the Bankruptcy Code or any other Federal, state or Bankruptcy Law or similar law by or against the Issuer or any of its Subsidiaries. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) If the Issuer and/or any other Grantor shall become subject to a case (a
&#147;<B>Bankruptcy Case</B>&#148;) under the Bankruptcy Code and shall, as <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">debtor(s)-in-possession,</FONT></FONT> move for approval of financing (&#147;<B>DIP Financing</B>&#148;) to
be provided by one or more lenders (the &#147;<B>DIP Lenders</B>&#148;) under Section&nbsp;364 of the Bankruptcy Code or any equivalent provision of any other applicable Bankruptcy Law or the use of cash collateral under Section&nbsp;363 of the
Bankruptcy Code or any equivalent provision of any other applicable Bankruptcy Law, each Equal Priority Secured Party agrees that it will raise no objection to any such financing or to the Liens on the Shared Collateral securing the same
(&#147;<B>DIP Financing Liens</B>&#148;), or to any use of cash collateral that constitutes Shared Collateral, unless the Controlling Collateral Agent or any Controlling Secured Party with respect to such Shared Collateral shall then oppose or
object to such DIP Financing or such DIP Financing Liens or use of cash collateral (and (i)&nbsp;to the extent that such DIP Financing Liens are senior to the Liens on any such Shared Collateral for the benefit of the Controlling Secured Parties,
each <FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Secured Party will subordinate its Liens with respect to such Shared Collateral on the same terms as the Liens of the Controlling Secured Parties (other than any Liens of any Equal
Priority Secured Parties constituting DIP Financing Liens) are subordinated thereto, and (ii)&nbsp;to the extent that such DIP Financing Liens rank equal in priority with the Liens on any such Shared Collateral granted to secure the Equal Priority
Obligations of the Controlling Secured Parties, each <FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Secured Party will confirm the priorities with respect to such Shared Collateral as set forth herein), in each case so long as (A)&nbsp;the
Equal Priority Secured Parties of each Series retain the benefit of their security interests on all such Shared Collateral pledged to the DIP Lenders, including proceeds thereof arising after the commencement of such proceeding, with the same
priority relative to each other series of Equal Priority Secured Parties (other than any Liens of the Equal Priority Secured Parties constituting DIP Financing Liens) as existed prior to the commencement of the Bankruptcy Case, (B)&nbsp;the Equal
Priority Secured Parties of each Series are granted security interests on any additional collateral pledged to any Equal Priority Secured Parties as adequate protection or otherwise in connection with such DIP Financing or use of cash collateral,
with the same priority relative to each other series of Equal Priority Secured Parties as set forth in this Agreement, (C)&nbsp;if any amount of such DIP Financing or cash collateral is applied to repay any of the Equal Priority Obligations, such
amount is applied pursuant to Section&nbsp;2.01 of this Agreement, and (D)&nbsp;if any Equal Priority Secured Parties are granted adequate protection with respect to Equal Priority Obligations subject hereto, including in the form of periodic
payments, in connection with such DIP Financing or use of cash collateral, the proceeds of such adequate protection are applied pursuant to Section&nbsp;2.01 of this Agreement; <U>provided</U> that the Equal Priority Secured Parties of each Series
shall have a right to object to the grant of a security interest to secure the DIP Financing over any Collateral subject to security interests in favor of the Equal Priority Secured Parties of such Series or its Collateral Agent that do not
constitute Shared Collateral; and <U>provided</U>, <U>further,</U> that the Equal Priority Secured Parties receiving adequate protection shall not object to any other Equal Priority Secured Party receiving adequate protection comparable to any
adequate protection granted to such Equal Priority Secured Parties in connection with a DIP Financing or use of cash collateral. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION
2.06. <U>Reinstatement</U>. In the event that any of the Equal Priority Obligations shall be paid in full and such payment or any part thereof shall subsequently, for whatever reason (including an order or judgment for disgorgement of a preference
under the Bankruptcy Code, or any similar law, or the settlement of any claim in respect thereof), be required to be returned or repaid, the terms and conditions of this Article II shall be fully applicable thereto until all such Equal Priority
Obligations shall again have been paid in full in cash. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 2.07. <U>Insurance</U>. As between the Equal Priority Secured Parties,
the Controlling Collateral Agent shall have the right to adjust or settle any insurance policy or claim covering or constituting Shared Collateral in the event of any loss thereunder and to approve any award granted in any condemnation or similar
proceeding affecting the Shared Collateral. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 2.08. <U>Refinancings</U>. The Equal Priority Obligations of any Series may be
Refinanced, in whole or in part, in each case, without notice to, or the consent of any Equal Priority Secured Party of any other Series (except to the extent a consent is otherwise required to permit the Refinancing transaction under any Secured
Debt Document in respect of such Series), all without affecting the priorities provided for herein or the other provisions hereof; <U>provided</U> that the Collateral Agent of the holders of any such Refinancing indebtedness shall have executed a
Joinder Agreement on behalf of the holders of such Refinancing indebtedness. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 2.09. <U>Controlling Collateral Agent as Gratuitous
Bailee for Perfection</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) The Controlling Collateral Agent agrees to hold any Shared Collateral constituting Possessory Collateral
that is part of the Shared Collateral in its possession or control (or in the possession or control of its agents or bailees) as gratuitous bailee for the benefit of each other Equal Priority Secured Party and any assignee solely for the purpose of
perfecting the security interest granted in such Possessory Collateral, if any, pursuant to the applicable Equal Priority Security Documents, in each case, subject to the terms and conditions of this Section&nbsp;2.09; <U>provided</U> that at any
time after the Discharge of the Series of Equal Priority Obligations for which the Controlling Collateral Agent is acting, the Controlling Collateral Agent shall (at the sole cost and expense of the Grantors), promptly deliver all Possessory
Collateral to the new Controlling Collateral Agent (after giving effect to the Discharge of such Series of Equal Priority Obligations) together with any necessary endorsements reasonably requested by such new Controlling Collateral Agent (or make
such other arrangements as shall be reasonably requested by such new Controlling Collateral Agent to allow such new Controlling Collateral Agent to obtain control of such Possessory Collateral). Pending delivery to the Controlling Collateral Agent,
each other Collateral Agent agrees to hold any Shared Collateral constituting Possessory Collateral, from time to time in its possession, as gratuitous bailee for the benefit of each other Equal Priority Secured Party and any assignee, solely for
the purpose of perfecting the security interest granted in such Possessory Collateral, if any, pursuant to the applicable Equal Priority Security Documents, in each case, subject to the terms and conditions of this Section&nbsp;2.09. Solely with
respect to any Deposit Accounts or Securities Accounts constituting Shared Collateral under the control of any Collateral Agent (within the meaning of <FONT STYLE="white-space:nowrap">9-104</FONT> or <FONT STYLE="white-space:nowrap">8-106</FONT> of
the Uniform Commercial Code), each such Collateral Agent agrees to also hold over such Deposit Accounts or Securities Accounts as bailee and as gratuitous agent for each other Equal Priority Secured Party for which such Deposit Account or Securities
Account is Shared Collateral and any assignee for the purpose of perfecting the security interest in such Deposit Accounts and Securities Accounts, subject to the terms and conditions of this <U>Section</U><U></U><U>&nbsp;2.09</U>. The Controlling
Collateral Agent, hereby agrees that upon the Discharge of the Series of Equal Priority Obligations for which it is Collateral Agent, to the extent that an applicable control agreement is in effect and has not been terminated, the Controlling
Collateral Agent shall continue to act as such a bailee and gratuitous agent for each other Equal Priority Secured Party (solely for the purpose of perfecting the security interest granted to each other Equal Priority Secured Party) with respect to
the deposit account or securities account that is the subject of such control agreement, until such control agreement is amended or assigned in favor of the new Controlling Collateral Agent with respect to such deposit account or securities account.
During any period for which the Controlling Collateral Agent acts as bailee and gratuitous agent for each other Equal Priority Security Party, the Controlling Collateral Agent shall act solely at the direction of the new Controlling Collateral Agent
with respect to such deposit account or securities account that is the subject of such control agreement and the new Controlling Collateral Agent agrees to indemnify and hold harmless the Controlling Collateral Agent against any liability incurred
during such period under any such control agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) Furthermore, for the avoidance of doubt, for as long as the Controlling Collateral Agent
continues to act as bailee and gratuitous agent for each other Equal Priority Secured Party, the Controlling Collateral Agent shall be entitled to all rights, protections, privileges, indemnities and immunities granted to it hereunder and under the
related Secured Debt Documents for which it acts as Collateral Agent (including, without limitation, any right to compensation, reimbursement and indemnification), which shall be deemed to expressly survive, notwithstanding the Discharge of the
Series of Equal Priority Obligations for which it is Collateral Agent. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) The duties and responsibilities of the Controlling Collateral
Agent and each other Collateral Agent under this Section&nbsp;2.09 shall be limited solely to holding any Shared Collateral constituting Possessory Collateral or constituting Deposit Accounts or Securities Accounts as gratuitous bailee for the
benefit of each other Equal Priority Secured Party for purposes of perfecting the Lien held by such Equal Priority Secured Parties therein. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE III </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Existence
and Amounts of Liens and Obligations </U></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 3.01. <U>Determinations with Respect to Amounts of Liens and Obligations</U>. Whenever
any Collateral Agent shall be required, in connection with the exercise of its rights or the performance of its obligations hereunder, to determine the existence or amount of any Equal Priority Obligations of any Series, or the Shared Collateral
subject to any Lien securing the Equal Priority Obligations of any Series, it may request that such information be furnished to it in writing by each other Collateral Agent and shall be entitled to make such determination on the basis of the
information so furnished; <U>provided</U>, <U>however</U>, that (a)&nbsp;any information provided by any Collateral Agent as to the Shared Collateral subject to any Lien securing the Equal Priority Obligations of any Series may be provided to the
knowledge of such Collateral Agent and (b)&nbsp;if any Collateral Agent shall fail or refuse reasonably promptly to provide the requested information, the requesting Collateral Agent shall be entitled to make any such determination by such method as
it may, in the exercise of its good faith judgment, determine, including by reliance upon a certificate of the Issuer. Each Collateral Agent may rely conclusively, and shall be fully protected in so relying, on any determination made by it in
accordance with the provisions of the preceding sentence (or as otherwise directed by a court of competent jurisdiction) and shall have no liability to any Grantor, any Equal Priority Secured Party or any other Person as a result of such
determination. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE IV </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>The Controlling Collateral Agent </U></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 4.01. <U>Appointment and Authority</U>. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) Each of the Equal Priority Secured Parties hereby irrevocably appoints and authorizes
the Controlling Collateral Agent to take such actions on its behalf and to exercise such powers as are delegated to the Controlling Collateral Agent by the terms hereof, together with such powers and discretion as are reasonably incidental thereto.
In this connection, the Controlling Collateral Agent and any <FONT STYLE="white-space:nowrap">co-agents,</FONT> <FONT STYLE="white-space:nowrap">sub-agents</FONT> and
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorneys-in-fact</FONT></FONT> appointed by the Controlling Collateral Agent pursuant to the applicable Secured Debt Documents for purposes of holding or enforcing any Lien on the
Collateral (or any portion thereof) granted under any of the Equal Priority Security Documents, or for exercising any rights and remedies thereunder, shall be entitled to the benefits of all provisions of this Article IV, Sections 16 and 23 of the
2027 Note Purchase Agreement, Sections 5.03, 5.14, 5.15 and 5.17 of the 2027 Notes Security Agreement, Sections 16 and 23 of the 2029 Note Purchase Agreement, Sections 5.03, 5.14, 5.15 and 5.17 of the 2029 Notes Security Agreement and the equivalent
provision of any Additional Equal Priority Document (as though such <FONT STYLE="white-space:nowrap">co-agents,</FONT> <FONT STYLE="white-space:nowrap">sub-agents</FONT> and
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorneys-in-fact</FONT></FONT> were the &#147;Collateral Agent&#148; named therein) as if set forth in full herein with respect thereto. Without limiting the foregoing, each of the
Equal Priority Secured Parties, and each Collateral Agent, hereby agrees, at the sole cost and expense of the Issuer, to provide such cooperation and assistance as may be reasonably requested by the Controlling Collateral Agent to facilitate and
effect actions taken or intended to be taken by the Controlling Collateral Agent pursuant to this Article IV, such cooperation to include execution and delivery of notices, instruments and other documents as are reasonably deemed necessary by the
Controlling Collateral Agent to effect such actions (and in form and substance reasonably satisfactory to the parties executing such documents), and joining in any action, motion or proceeding initiated by the Controlling Collateral Agent for such
purposes. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) Each <FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Secured Party acknowledges and agrees that the Controlling
Collateral Agent shall be entitled, for the benefit of the Equal Priority Secured Parties, to sell, transfer or otherwise dispose of or deal with any Shared Collateral as provided herein and in the Equal Priority Security Documents, without regard
to any rights to which the <FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Secured Parties would otherwise be entitled pursuant to the Equal Priority Security Documents (in their respective capacities as such). Without limiting the
foregoing, each <FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Secured Party agrees that none of the Controlling Collateral Agent or any other Equal Priority Secured Party shall have any duty or obligation first to marshal or realize upon
any type of Shared Collateral (or any other Collateral securing any of the Equal Priority Obligations), or to sell, dispose of or otherwise liquidate all or any portion of such Shared Collateral (or any other Collateral securing any Equal Priority
Obligations), in any manner that would maximize the return to the <FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Secured Parties, notwithstanding that the order and timing of any such realization, sale, disposition or liquidation may affect
the amount of proceeds actually received by the <FONT STYLE="white-space:nowrap">Non-Controlling</FONT> Secured Parties from such realization, sale, disposition or liquidation. Each of the Equal Priority Secured Parties waives any claim it may now
or hereafter have against the Controlling Collateral Agent or the Collateral Agent for any other Series of Equal Priority Obligations or any other Equal Priority Secured Party of any other Series arising out of (i)&nbsp;any actions that do not
violate this Agreement that any Collateral Agent or any Equal Priority Secured Party takes or omits to take (including actions with respect to the creation, perfection or continuation of Liens on any Collateral, actions with respect to the
foreclosure upon, sale, release or depreciation of, or failure to realize upon, any of the Collateral and actions with respect to the collection of any claim for all or any part of the Equal Priority Obligations from any account debtor, guarantor or
any other party) in accordance with the Equal Priority Security Documents or any other agreement related thereto or to the collection of the Equal Priority Obligations or the valuation, use, protection or release of any security for the Equal
Priority Obligations, (ii)&nbsp;any election by any Collateral Agent or any holders of Equal Priority Obligations, in any proceeding instituted under the Bankruptcy Code, of the application of Section&nbsp;1111(b) of the Bankruptcy Code or
(iii)&nbsp;subject to Section&nbsp;2.05, any borrowing by, or grant of a security interest or administrative expense priority under Section&nbsp;364 of the Bankruptcy Code or any equivalent provision of any other Bankruptcy Law by, any Grantor or
any of its Subsidiaries, as <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">debtor-in-possession.</FONT></FONT> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 4.02. <U>Rights as an Equal Priority Secured Party</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) The Person serving as the Controlling Collateral Agent hereunder shall have the same rights and powers in its capacity as an Equal Priority
Secured Party under any Series of Equal Priority Obligations that it holds as any other Equal Priority Secured Party of such Series and may exercise the same as though it were not the Controlling Collateral Agent and the term &#147;Equal Priority
Secured Party&#148; or &#147;Equal Priority Secured Parties&#148; or (as applicable) &#147;2027 Notes Secured Party,&#148; &#147;2027 Notes Secured Parties,&#148; &#147;2029 Notes Secured Party,&#148; &#147;2029 Notes Secured Parties,&#148;
&#147;Additional Equal Priority Secured Party&#148; or &#147;Additional Equal Priority Secured Parties&#148; shall, unless otherwise expressly indicated or unless the context otherwise requires, include the Person serving as the Controlling
Collateral Agent hereunder in its individual capacity. Such Person and its Affiliates may accept deposits from, lend money to, act as the financial advisor or in any other advisory capacity for and generally engage in any kind of business with the
Grantors or any Subsidiary or other Affiliate thereof as if such Person were not the Controlling Collateral Agent hereunder and without any duty to account therefor to any other Equal Priority Secured Party. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 4.03. <U>Exculpatory Provisions</U>. The Controlling Collateral Agent shall not have any duties or obligations except those expressly
set forth herein. Without limiting the generality of the foregoing, the Controlling Collateral Agent: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) shall not be subject to any
fiduciary or other implied duties, regardless of whether an Event of Default has occurred and is continuing; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) shall not have any duty
to take any discretionary action or exercise any discretionary powers, except discretionary rights and powers expressly contemplated hereby; <U>provided</U> that the Controlling Collateral Agent shall not be required to take any action that, in its
opinion or the opinion of its counsel, may expose the Controlling Collateral Agent to liability or that is contrary to this Agreement or applicable law; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) shall not, except as expressly set forth herein, have any duty to disclose, and shall not be liable for the failure to disclose, any
information relating to a Grantor or any of its Affiliates that is communicated to or obtained by the Person serving as the Controlling Collateral Agent or any of its Affiliates in any capacity; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) shall not be liable for any action taken or not taken by it (i)&nbsp;in the absence of its own gross negligence or willful misconduct or
(ii)&nbsp;in reliance on a certificate of an authorized officer of the Issuer stating that such action is permitted by the terms of this Agreement. The Controlling Collateral Agent shall be deemed not to have knowledge of any Event of Default under
any Series of Equal Priority Obligations unless and until written notice describing such Event of Default and referencing the applicable agreement is given to the Controlling Collateral Agent; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e) shall not be responsible for or have any duty to ascertain or inquire into (i)&nbsp;any
statement, warranty or representation made in or in connection with this Agreement or any other Equal Priority Security Document, (ii)&nbsp;the contents of any certificate, report or other document delivered hereunder or thereunder or in connection
herewith or therewith, (iii)&nbsp;the performance or observance of any of the covenants, agreements or other terms or conditions set forth herein or therein or the occurrence of any default or Event of Default, (iv)&nbsp;the validity,
enforceability, effectiveness or genuineness of this Agreement, any other Equal Priority Security Document or any other agreement, instrument or document, or the creation, perfection or priority of any Lien purported to be created by the Equal
Priority Security Documents, (v)&nbsp;the value or the sufficiency of any Collateral for any Series of Equal Priority Obligations, or (vi)&nbsp;the satisfaction of any condition set forth in any Secured Debt Document, other than to confirm receipt
of items expressly required to be delivered to the Controlling Collateral Agent; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f) need not segregate money held hereunder from
other funds except to the extent required by law. The Controlling Collateral Agent shall be under no liability for interest on any money received by it hereunder except if and to the extent it may (at its option and in its discretion) otherwise
agree in writing. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 4.04. <U>Collateral and Guaranty Matters</U>. Each of the Equal Priority Secured Parties irrevocably authorizes
the applicable Collateral Agent to release any Lien on any property granted to or held by the Collateral Agent under any Equal Priority Security Document in accordance with Section&nbsp;2.04 or upon receipt of a written request from the Issuer
stating that the releases of such Lien is permitted by the terms of each then extant Secured Debt Document. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE V </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Miscellaneous </U></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION
5.01. <U>Notices</U>. Unless otherwise specifically provided herein, all notices and other communications provided for herein (including, but not limited to, all the directions and instructions to be provided to the Controlling Collateral Agent
herein by the Equal Priority Secured Parties) shall be in writing and sent (a)&nbsp;by telecopy if the sender on the same day sends a confirming copy of such notice by an internationally recognized overnight delivery service (charges prepaid), or
(b)&nbsp;by registered or certified mail with return receipt requested (postage prepaid), (c) by an internationally recognized overnight delivery service (charges prepaid), or (d)&nbsp;by <FONT STYLE="white-space:nowrap">e-mail:</FONT> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) if to the Issuer or any Grantor, to the Issuer, at its address at: 30699 Russell Ranch Road, Suite 295, Westlake Village,
California 91362, Attention: Mark Szczepaniak, <FONT STYLE="white-space:nowrap">E-Mail:</FONT> mszczepaniak@velocitymortgage.com; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) if to the 2027 Notes Collateral Agent, to it at U.S. Bank Trust Company, National Association, 190 South LaSalle Street,
Chicago, Illinois 60603, <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">MK-IL-SL7,</FONT></FONT> Email: juan.hernandez3@usbank.com; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) if to the 2029 Notes Collateral Agent, to it at U.S. Bank Trust Company,
National Association, 190 South LaSalle Street, Chicago, Illinois 60603, <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">MK-IL-SL7,</FONT></FONT> Email: juan.hernandez3@usbank.com; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) if to any other Collateral Agent, to it at the address set forth in the applicable Joinder Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Any party hereto may change its address, fax number or email address for notices and other communications hereunder by notice to the other parties hereto. For
the purposes hereof, the addresses of the parties hereto shall be as set forth above or, as to each party, at such other address as may be designated by such party in a written notice to all of the other parties. As agreed to in writing among the
Controlling Collateral Agent and each other Collateral Agent from time to time, notices and other communications may also be delivered by <FONT STYLE="white-space:nowrap">e-mail</FONT> to the <FONT STYLE="white-space:nowrap">e-mail</FONT> address of
a representative of the applicable person provided from time to time by such person. Notices under this Section&nbsp;5.01 will be deemed given only when actually received. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 5.02. <U>Waivers; Amendment; Joinder Agreements</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) No failure or delay on the part of any party hereto in exercising any right or power hereunder 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 parties hereto 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 consent to any departure by any party therefrom shall in any event be
effective unless the same shall be permitted by paragraph (b)&nbsp;of this Section, 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 any party hereto in any
case shall entitle such party to any other or further notice or demand in similar or other circumstances. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) Neither this Agreement nor
any provision hereof may be terminated, waived, amended or modified (other than pursuant to any Joinder Agreement) except pursuant to an agreement or agreements in writing entered into by each Collateral Agent (and with respect to any such
termination, waiver, amendment or modification which by the terms of this Agreement requires the Issuer&#146;s consent or which increases the obligations or reduces the rights of the Issuer or any other Grantor, with the consent of the Issuer). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) Notwithstanding the foregoing, without the consent of any Equal Priority Secured Party, any Additional Agent may become a party hereto by
execution and delivery of a Joinder Agreement in accordance with Section&nbsp;5.13 of this Agreement and upon such execution and delivery, such Additional Agent and the Additional Equal Priority Secured Parties and Additional Equal Priority
Obligations of the Series for which such Additional Agent is acting shall be subject to the terms hereof. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) Notwithstanding the
foregoing, without the consent of any other Collateral Agent or Equal Priority Secured Party, the Controlling Collateral Agent may effect amendments and modifications to this Agreement to the extent necessary to reflect any incurrence of any
Additional Equal Priority Obligations that is permitted by the terms of each then extant Secured Debt Document. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 5.03. <U>Parties in Interest</U>. This Agreement shall be binding upon and inure to
the benefit of the parties hereto and their respective successors and assigns, whether so expressed or not, as well as the other Equal Priority Secured Parties, all of whom are intended to be bound by, and to be third party beneficiaries of, this
Agreement. Nothing in this Agreement, expressed or implied, shall be construed to confer upon any Person (other than the parties hereto and their respective successors and assigns permitted hereby) any legal or equitable right, remedy or claim under
or by reason of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 5.04. <U>Survival of Agreement</U>. All representations and warranties contained herein shall
survive the execution and delivery of this Agreement. All statements contained in any certificate or other instrument delivered by or on behalf of the Issuer or any Grantor pursuant to this Agreement shall be deemed representations and warranties of
the Issuer or Grantor under this Agreement. Subject to the preceding sentence, this Agreement embodies the entire agreement and understanding between each party hereto and supersedes all prior agreements and understandings relating to the subject
matter hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 5.05. <U>Counterparts</U>. This Agreement may be executed in any number of counterparts, each of which shall be an
original but all of which together shall constitute one instrument. Each counterpart may consist of a number of copies hereof, each signed by less than all, but together signed by all, of the parties hereto. Signatures of the parties hereto
transmitted by facsimile or .pdf shall be deemed to be their original signatures for all purposes. The words &#147;execution,&#148; &#147;signed,&#148; &#147;signature,&#148; &#147;delivery,&#148; and words of like import in or relating to this
Agreement or any document to be signed in connection with this Agreement shall be deemed to include electronic signatures, deliveries 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, physical delivery thereof or the use of a paper-based recordkeeping system, as the case may be, and the parties hereto consent to conduct the transactions contemplated hereunder by electronic means.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 5.06. <U>Severability</U>. Any provision of this Agreement that is prohibited or unenforceable in any jurisdiction shall, as to
such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof, and any such prohibition or unenforceability in any jurisdiction shall (to the full extent permitted by
law) not invalidate or render unenforceable such provision in any other jurisdiction. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 5.07. <U>Authorization</U>. By its
signature, each Person executing this Agreement on behalf of a party hereto represents and warrants to the other parties hereto that it has full power and authority to execute this Agreement. The 2027 Notes Collateral Agent represents and warrants
that this Agreement is binding upon the 2027 Notes Secured Parties. The 2029 Notes Collateral Agent represents and warrants that this Agreement is binding upon the 2029 Notes Secured Parties. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 5.08. <U>Submission to Jurisdiction Waivers; Consent to Service of Process</U>. Each
party hereto including each Collateral Agent, on behalf of itself and the Equal Priority Secured Parties of the Series for whom it is acting, irrevocably and unconditionally: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) submits to the <FONT STYLE="white-space:nowrap">non-exclusive</FONT> jurisdiction of any New York State or federal court,
in each case, sitting in the Borough of Manhattan, The City of New York, over any suit, action or proceeding arising out of or relating to this Agreement and agrees, to the fullest extent permitted by applicable law, that a final judgment in any
suit, action or proceeding brought in any such court shall be conclusive and binding upon it subject to rights of appeal, as the case may be, and may be enforced in the courts of the United States of America or the State of New York (or any other
courts to the jurisdiction of which it or any of its assets is or may be subject) by a suit upon such judgment; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) to the
fullest extent permitted by applicable law, waives and agrees not to assert, by way of motion, as a defense or otherwise, any claim that it is not subject to the jurisdiction of any such court, any objection that it may now or hereafter have to the
laying of the venue of any such suit, action or proceeding brought in any such court and any claim that any such suit, action or proceeding brought in any such court has been brought in an inconvenient forum; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) agrees that service of process in any such action or proceeding may be effected by mailing a copy thereof by registered,
certified, priority or express mail (or any substantially similar form of mail), postage prepaid, return receipt or delivery confirmation requested, to it at its address specified in Section&nbsp;5.01 or at such other address of which such Person
shall then have been notified pursuant to said Section and agrees that such service upon receipt (i)&nbsp;shall be deemed in every respect effective service of process upon it in any such suit, action or proceeding and (ii)&nbsp;shall, to the
fullest extent permitted by applicable law, be taken and held to be valid personal service upon and personal delivery to it and agrees that notices hereunder shall be conclusively presumed received as evidenced by a delivery receipt furnished by the
United States Postal Service or any reputable commercial delivery service; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) agrees that nothing herein shall affect
the right of any other party hereto (or any Equal Priority Secured Party) to effect service of process in any other manner permitted by law or shall limit the right of any party hereto (or any Equal Priority Secured Party) to bring proceedings in
the courts of any appropriate jurisdiction or to enforce in any lawful manner a judgment obtained in one jurisdiction in any other jurisdiction. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 5.09. <B><U>GOVERNING LAW; WAIVER OF JURY TRIAL</U></B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>(A) THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED AND INTERPRETED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW
YORK. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>(B) EACH PARTY HERETO HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES TRIAL BY JURY IN ANY LEGAL ACTION OR
PROCEEDING RELATING TO THIS AGREEMENT AND FOR ANY COUNTERCLAIM THEREIN. </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">20 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 5.10. <U>Headings</U>. Article, Section and Annex headings 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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 5.11. <U>Conflicts</U>. In the event of any conflict or inconsistency between the provisions of this Agreement and the provisions of
any of the other Equal Priority Security Documents or Additional Equal Priority Documents, the provisions of this Agreement shall control. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 5.12. <U>Provisions Solely to Define Relative Rights</U>. The provisions of this Agreement are and are intended solely for the purpose
of defining the relative rights of the Equal Priority Secured Parties in relation to one another. None of the Issuer, any other Grantor or any other creditor thereof shall have any rights or obligations hereunder, except as expressly provided in
this Agreement (<U>provided</U> that nothing in this Agreement (other than Section&nbsp;2.04, 2.05 or 2.09 and subject to Section&nbsp;5.11) is intended to or will amend, waive or otherwise modify the provisions of the 2027 Note Purchase Agreement,
the 2029 Note Purchase Agreement or any Additional Equal Priority Documents), and none of the Issuer or any other Grantor may rely on the terms hereof (other than Section&nbsp;2.04, 2.05 or 2.09). Nothing in this Agreement is intended to or shall
impair the obligations of any Grantor, which are absolute and unconditional, to pay the Equal Priority Obligations as and when the same shall become due and payable in accordance with their terms. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 5.13. <U>Additional Equal Priority Obligations</U>. The Issuer may incur obligations that will constitute Additional Equal Priority
Obligations hereunder only if such obligations are permitted to be so incurred and treated as such hereunder by the terms of each then extant Secured Debt Document and the other requirements of this Section&nbsp;5.13 are satisfied. Any such
additional class or series of Additional Equal Priority Obligations (the &#147;<B>Senior Class</B><B></B><B>&nbsp;Debt</B>&#148;) may be secured by a Lien and may be guaranteed by the Grantors on a <I>pari</I><I> </I><I>passu</I> basis with the
Liens and guarantees in favor of the other Series of Equal Priority Obligations, if and subject to the condition that the Collateral Agent of any such Senior Class&nbsp;Debt (each, a &#147;<B>Senior Class</B><B></B><B>&nbsp;Debt
Representative</B>&#148;), acting on behalf of the holders of such Senior Class&nbsp;Debt (such Collateral Agent and holders in respect of any Senior Class&nbsp;Debt being referred to as the &#147;<B>Senior Class</B><B></B><B>&nbsp;Debt
Parties</B>&#148;), becomes a party to this Agreement by satisfying the conditions set forth in clauses (i)&nbsp;through (iv) of the immediately succeeding paragraph. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">In order for a Senior Class&nbsp;Debt Representative to become a party to this Agreement, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) such Senior Class&nbsp;Debt Representative, the Controlling Collateral Agent and each Grantor shall have executed and
delivered an instrument substantially in the form of Annex II (with such changes as may be reasonably approved by the Controlling Collateral Agent and such Senior Class&nbsp;Debt Representative) pursuant to which such Senior Class&nbsp;Debt
Representative becomes a Collateral Agent and Additional Agent hereunder, and the Senior Class&nbsp;Debt in respect of which such Senior Class&nbsp;Debt Representative is the Collateral Agent and the related Senior Class&nbsp;Debt Parties become
subject hereto and bound hereby; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">21 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) the Issuer shall have delivered to the Controlling Collateral Agent
true and complete copies of each of the Additional Equal Priority Documents relating to such Senior Class&nbsp;Debt, certified as being true and correct by a Responsible Officer of the Issuer; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) the Issuer shall have delivered to the Controlling Collateral Agent an Officer&#146;s Certificate stating that such
Additional Equal Priority Obligations to be incurred are permitted by each then extant Secured Debt Document, or to the extent a consent is otherwise required to permit the incurrence of such Additional Equal Priority Obligations under any such
Secured Debt Document, such requisite consent has been obtained; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) the Additional Equal Priority Documents, as
applicable, relating to such Senior Class&nbsp;Debt shall provide, in a manner reasonably satisfactory to the Controlling Collateral Agent, that each Senior Class&nbsp;Debt Party with respect to such Senior Class&nbsp;Debt will be subject to and
bound by the provisions of this Agreement in its capacity as a holder of such Senior Class&nbsp;Debt. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 5.14. <U>Integration</U>.
This Agreement together with the other Secured Debt Documents and the Equal Priority Security Documents represents the entire agreement of each of the Grantors and the Equal Priority Secured Parties with respect to the subject matter hereof and
there are no promises, undertakings, representations or warranties by any Grantor, any Collateral Agent or any other Equal Priority Secured Party relative to the subject matter hereof not expressly set forth or referred to herein or in the other
Secured Debt Documents or the Equal Priority Security Documents. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 5.15. <U>Information Concerning Financial Condition of the
Issuer and the other Grantors</U>. The Controlling Collateral Agent, the other Collateral Agents and the Equal Priority Secured Parties shall each be responsible for keeping themselves informed of (a)&nbsp;the financial condition of the Issuer and
the other Grantors and all endorsers or guarantors of the Equal Priority Obligations and (b)&nbsp;all other circumstances bearing upon the risk of nonpayment of the Equal Priority Obligations. The Controlling Collateral Agent, the other Collateral
Agents and the Equal Priority Secured Parties shall have no duty to advise any other party hereunder of information known to it or them regarding such condition or any such circumstances or otherwise. In the event that the Controlling Collateral
Agent, any other Collateral Agent or any Equal Priority Secured Party, in its sole discretion, undertakes at any time or from time to time to provide any such information to any other party, it shall be under no obligation to (i)&nbsp;make, and
Controlling Collateral Agent, the other Collateral Agents and the Equal Priority Secured Parties shall not make or be deemed to have made, any express or implied representation or warranty, including with respect to the accuracy, completeness,
truthfulness or validity of any such information so provided, (ii)&nbsp;provide any additional information or to provide any such information on any subsequent occasion, (iii)&nbsp;undertake any investigation or (iv)&nbsp;disclose any information
that, pursuant to accepted or reasonable commercial finance practices, such party wishes to maintain confidential or is otherwise required to maintain confidential. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 5.16. <U>Additional Grantors</U>. The Issuer agrees that, if any Subsidiary of the Issuer shall become a Grantor after the date
hereof, it will promptly cause such Subsidiary to become party hereto by executing and delivering an instrument in the form of Annex III. Upon such execution and delivery, such Subsidiary will become a Grantor hereunder with the same force and
effect as if originally named as a Grantor herein. The execution and delivery of such instrument shall not require the consent of any other party hereunder, and will be acknowledged by the Controlling Collateral Agent. The rights and obligations of
each Grantor hereunder shall remain in full force and effect notwithstanding the addition of any new Grantor as a party to this Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">22 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 5.17. <U>Further Assurances</U>. Each Collateral Agent, on behalf of itself and each
Equal Priority Secured Party under the applicable 2027 Note Purchase Agreement, 2029 Note Purchase Agreement or Additional Equal Priority Debt Facility, agrees that it will, at the sole cost and expense of the Issuer, take such further action and
shall execute and deliver such additional documents and instruments (in recordable form, if requested and in form and substance reasonably satisfactory to the party executing the same) as the other parties hereto may reasonably request to effectuate
the terms of, and the Lien priorities contemplated by, this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">SECTION 5.18. <U>2027 Notes Collateral Agent and 2029 Notes
Collateral Agent</U>. It is understood and agreed that (a)&nbsp;the 2027 Notes Collateral Agent is entering into this Agreement in its capacity as collateral agent under the 2027 Note Purchase Agreement and the 2027 Notes Security Agreement,
including Sections 16 and 23 of the 2027 Note Purchase Agreement, granting or extending any rights, protections, privileges, indemnities and immunities to the 2027 Notes Collateral Agent in such capacity, shall also apply to it as Controlling
Collateral Agent hereunder and (b)&nbsp;the 2029 Notes Collateral Agent is entering in this Agreement in its capacity as collateral agent under the 2029 Note Purchase Agreement and the 2029 Notes Security Agreement, including Sections 16 and 23 of
the 2029 Note Purchase Agreement, granting or extending any rights, protections, privileges, indemnities and immunities to the 2029 Notes Collateral Agent in such capacity, shall also apply to the 2029 Notes Collateral Agent hereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">For the avoidance of doubt, the parties hereto acknowledge that in no event shall the 2027 Notes Collateral Agent or 2029 Notes Collateral
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 any such party has been advised of the
likelihood of such loss or damage and regardless of the form of action. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">In addition, it is understood and agreed that prior to the
Discharge of 2027 Notes Obligations, to the extent that the 2027 Notes Collateral Agent is satisfied with or agrees to any deliveries or documents required to be provided in respect of any matters relating to any Shared Collateral or makes any
determination in respect of any matters relating to any Shared Collateral (including, without limitation, extensions of time or waivers for the creation and perfection of security interests in, or the obtaining of title insurance, legal opinions or
other deliverables with respect to, particular assets (including extensions beyond the date hereof or in connection with assets acquired, or Subsidiaries formed or acquired, after the date hereof) and any determination that the cost, burden,
difficulty or consequence of obtaining or perfecting a security interest in a particular asset outweighs the benefit of a security interest to the relevant Equal Priority Secured Parties afforded thereby), the 2029 Notes Collateral Agent shall be
deemed to be satisfied with such deliveries and/or documents and the judgment of the 2027 Notes Collateral Agent in respect of any such matters under the 2027 Note Purchase Agreement shall be deemed to be the judgment of the 2029 Notes Collateral
Agent in respect of such matters under the 2029 Note Purchase Agreement and the Security Documents (as defined in the 2029 Note Purchase Agreement). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">23 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Notwithstanding anything else to the contrary set forth herein, whenever reference is made
herein or any other Note Document (as defined in the 2027 Note Purchase Agreement or the 2029 Note Purchase Agreement, as applicable) 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 not to be) suffered or omitted by the 2027 Notes Collateral Agent or the 2029 Notes Collateral Agent (including when such Collateral Agent is acting as Controlling
Collateral Agent) or to any election, decision, opinion, acceptance, use of judgment expression of satisfaction or other exercise of discretion, rights or remedies to be made (or not to be made) by the 2027 Notes Collateral Agent or the 2029 Notes
Collateral Agent (including when such Collateral Agent is acting as Controlling Collateral Agent), (i) such provision shall refer to the 2027 Notes Collateral Agent or the 2029 Notes Collateral Agent exercising each of the foregoing at the
instruction of the Required Holders (as defined in the 2027 Note Purchase Agreement or the 2029 Note Purchase Agreement, as applicable) and (ii)&nbsp;it is understood that in all cases, the 2027 Notes Collateral Agent and the 2029 Notes Collateral
Agent shall be fully justified in failing or refusing to take any such action if it shall not have received written instruction, advice or concurrence from the Required Holders (or such other number or percentage of noteholders as shall be expressly
provided for in any Note Document (as defined in the 2027 Note Purchase Agreement or the 2029 Note Purchase Agreement, as applicable)) in respect of such action. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page Follows] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">24 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed by
their respective authorized officers as of the day and year first above written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION,</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">as 2027 Notes Collateral Agent and Controlling Collateral Agent</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Juan S. Hernandez</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name: Juan S. Hernandez</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title: &#8194;Assistant Vice President</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to Equal Priority Intercreditor Agreement] </I></P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION,</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">as 2029 Notes Collateral Agent</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Juan S. Hernandez</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name: Juan S. Hernandez</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title: &#8194;Assistant Vice President</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to Equal Priority Intercreditor Agreement] </I></P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>VELOCITY COMMERCIAL CAPITAL, LLC</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Roland T. Kelly</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Roland T. Kelly</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Chief Legal Officer and General Counsel</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>VELOCITY FINANCIAL, INC.</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Roland T. Kelly</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Roland T. Kelly</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Chief Legal Officer and General Counsel</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to Equal Priority Intercreditor Agreement] </I></P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>5
<FILENAME>d745667dex991.htm
<DESCRIPTION>EX-99.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 99.1 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g745667g0206020642463.jpg" ALT="LOGO">
 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="79%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="20%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><B>Investors and Media:</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Chris Oltmann</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">(818) <FONT STYLE="white-space:nowrap">532-3708</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Velocity Financial, Inc. Announces Issuance of $75 Million </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>of Senior Secured Notes </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Westlake
Village, CA &#150; February 6, 2024</B>&nbsp;&#150; Velocity Financial, Inc. (NYSE: VEL), (&#147;Velocity&#148; or the &#147;Company&#148;), a leader in business purpose loans, today announced the issuance of&nbsp;$75&nbsp;million principal amount
of five-year senior secured notes (the &#148;Notes&#148;) by Velocity Commercial Capital, LLC, a wholly-owned subsidiary of Velocity. The Notes will bear interest at 9.875% per annum and will mature on February&nbsp;15, 2029. Interest on the notes
will be payable semi-annually on May&nbsp;15 and November&nbsp;15 of each year, beginning on May&nbsp;15, 2024. The Notes are secured on a <I>pari passu</I> basis with Velocity&#146;s $215,000,000 outstanding principal amount of 7.125% Senior
Secured Notes due 2027. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Notes settled on February&nbsp;5, 2024, and the net proceeds will be used to originate new investments and for general
corporate and other working capital purposes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Piper Sandler&nbsp;&amp; Co. acted as placement agent for the offering. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Mark R. Szczepaniak, CFO, stated, &#147;This transaction marks another successful corporate debt offering, made possible by the Company&#146;s continued
strong financial performance and growth in our investment portfolio. We expect this capital to be accretive to earnings as we work to attain our &#147;5x25&#148; goal ($5&nbsp;billion portfolio by 2025). The Notes are structured with flexibility to
continue issuing additional series of similar notes, allowing us to continue building a laddered corporate debt maturity schedule. I would like to thank the Piper Sandler team for leading another successful transaction for Velocity.&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Notes have not been and will not be registered under the United States Securities Act of 1933, as amended (the &#147;Securities Act&#148;), or any state
securities laws and may not be offered or sold in the United States absent registration or an applicable exemption from the registration requirements of the Securities Act and applicable state laws. This news release does not constitute an offer to
sell, or a solicitation of an offer to buy, any securities of the Company in any jurisdiction in which such offer, solicitation or sale would be unlawful. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Forward-Looking Statements </U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Some of the statements
contained in this press release may constitute forward-looking statements within the meaning of the federal securities laws. Forward-looking statements relate to anticipated results, expectations, projections, plans and strategies, anticipated
events or trends, and similar expressions concerning matters that are not historical facts. In some cases, you can identify forward-looking statements by the use of forward-looking terminology such as &#147;may,&#148; &#147;will,&#148;
&#147;expects,&#148; &#147;intends,&#148; &#147;plans,&#148; &#147;anticipates,&#148; &#147;believes,&#148; &#147;estimates,&#148; &#147;predicts,&#148; &#147;goal,&#148; or &#147;potential&#148; or the negative of these words and phrases or similar
words or phrases that are predictions of or indicate future events or trends and which do not relate solely to historical matters. You can also identify forward-looking statements by discussions of strategy, plans, or intentions. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The forward-looking statements contained in this press release reflect our current views about future events
and are subject to numerous known and unknown risks, uncertainties, assumptions, and changes in circumstances that may cause actual results to differ significantly from those expressed or contemplated in any forward-looking statement. While
forward-looking statements reflect our good faith projections, assumptions, and expectations, they are not guarantees of future results. Furthermore, we disclaim any obligation to publicly update or revise any forward-looking statement to reflect
changes in underlying assumptions or factors, new information, data or methods, future events, or other changes, except as required by applicable law. Factors that could cause our results to differ materially include, but are not limited to,
(1)&nbsp;the continued course and severity of the <FONT STYLE="white-space:nowrap">COVID-19</FONT> pandemic and its direct and indirect impacts, (2)&nbsp;general economic and real estate market conditions, including the risk of recession,
(3)&nbsp;regulatory and/or legislative changes, (4)&nbsp;our customers&#146; continued interest in loans and doing business with us, (5)&nbsp;market conditions and investor interest in our future securitizations, (6)&nbsp;the continued conflict in
Ukraine and (7)&nbsp;changes in federal government fiscal and monetary policies. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Additional information relating to these and other factors that could
cause future results to differ materially from those expressed or contemplated in any forward-looking statements can be found in the section titled &#145;&#145;Risk Factors&#148; in our Form <FONT STYLE="white-space:nowrap">10-Q</FONT> filed with
the SEC on May&nbsp;14, 2020, as well as other cautionary statements we make in our current and periodic filings with the SEC. Such filings are available publicly on our Investor Relations web page at <U>www.velfinance.com</U>. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>About Velocity Financial, Inc. </U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Based in Westlake
Village, California, Velocity is a vertically integrated real estate finance company that primarily originates and manages investor loans secured by 1-4 unit residential rental and commercial properties. Velocity originates loans nationwide across
an extensive network of independent mortgage brokers built and refined over 20 years. </P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>6
<FILENAME>vel-20240205.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release master Build:20231012.2 -->
<!-- Creation date: 2/6/2024 10:02:26 AM Eastern Time -->
<!-- Copyright (c) 2024 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<xsd:schema
  xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric"
  xmlns:num="http://www.xbrl.org/dtr/type/numeric"
  xmlns:us-types="http://fasb.org/us-types/2023"
  xmlns:vel="http://www.velocitymortgage.com/20240205"
  xmlns:dei="http://xbrl.sec.gov/dei/2023"
  xmlns:xbrli="http://www.xbrl.org/2003/instance"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
  attributeFormDefault="unqualified"
  elementFormDefault="qualified"
  targetNamespace="http://www.velocitymortgage.com/20240205"
  xmlns:xsd="http://www.w3.org/2001/XMLSchema">
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/linkbase" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/dei/2023/dei-2023.xsd" namespace="http://xbrl.sec.gov/dei/2023" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/numeric" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/non-numeric" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/naics/2023/naics-2023.xsd" namespace="http://xbrl.sec.gov/naics/2023" />
    <xsd:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="vel-20240205_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:title="Label Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="vel-20240205_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:title="Presentation Links, all" xlink:type="simple" />
      <link:roleType roleURI="http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation" id="Role_DocumentDocumentAndEntityInformation">
        <link:definition>100000 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
</xsd:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>7
<FILENAME>vel-20240205_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release master Build:20231012.2 -->
<!-- Creation date: 2/6/2024 10:02:26 AM Eastern Time -->
<!-- Copyright (c) 2024 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Cover [Abstract]</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Cover [Abstract]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Amendment Flag</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Amendment Flag</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Central Index Key</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Central Index Key</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Type</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Type</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Period End Date</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Period End Date</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Registrant Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Registrant Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Incorporation State Country Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Incorporation State Country Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity File Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity File Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Tax Identification Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Tax Identification Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Address Line One</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Address Line One</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine2" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine2" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine2_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Address Line Two</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine2_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Address Line Two</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, City or Town</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, City or Town</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, State or Province</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, State or Province</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Postal Zip Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">City Area Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">City Area Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Local Phone Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Local Phone Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Written Communications</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Written Communications</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Soliciting Material</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Soliciting Material</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Issuer Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Issuer Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security 12b Title</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security 12b Title</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Trading Symbol</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Trading Symbol</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security Exchange Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security Exchange Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Emerging Growth Company</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Emerging Growth Company</link:label>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>8
<FILENAME>vel-20240205_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release master Build:20231012.2 -->
<!-- Creation date: 2/6/2024 10:02:27 AM Eastern Time -->
<!-- Copyright (c) 2024 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
    xmlns:link="http://www.xbrl.org/2003/linkbase"
    xmlns:xlink="http://www.w3.org/1999/xlink"
    xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
    xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
    xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="vel-20240205.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:presentationLink xlink:type="extended" xlink:role="http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_AmendmentFlag" order="22.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityCentralIndexKey" order="23.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_DocumentType" order="25.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_DocumentPeriodEndDate" order="26.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityRegistrantName" order="27.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityIncorporationStateCountryCode" order="28.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityFileNumber" order="29.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityTaxIdentificationNumber" order="30.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressAddressLine1" order="31.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine2" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine2" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressAddressLine2" order="32.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressCityOrTown" order="33.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressStateOrProvince" order="34.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressPostalZipCode" order="35.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_CityAreaCode" order="36.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_LocalPhoneNumber" order="37.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_WrittenCommunications" order="38.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_SolicitingMaterial" order="39.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_PreCommencementTenderOffer" order="40.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_PreCommencementIssuerTenderOffer" order="41.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_Security12bTitle" order="42.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_TradingSymbol" order="43.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_SecurityExchangeName" order="44.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityEmergingGrowthCompany" order="45.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>9
<FILENAME>g745667g0206020642463.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g745667g0206020642463.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" !* /4# 2(  A$! Q$!_\0
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MA\>:+_;W@K4[%4W2^4981WWI\P_/&/QKG]+^#7AO2]1AO4GU"66"19(P\J@
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M>AQ625>TOPV[O]+;FS]C>/X[]E^M]B6VDGEB+7%OY#YQM#AN/7-22;_+;RR
M^#M+=,]LU';1SQQ$7$XF?.=P39QZ8S2P)+'"%FF\YP3E]H7//H*VBW97_3]#
M"25W;]3@_ OPXG\+:[>ZQJ%_'>W5PA561"-I9LL3GN<#]:]!HHK64G)W9"5@
MHHHJ1A1110 54M;8QW5W<N/GG<8_W5&!_4_C5NBI<4VF^A2DTFEU"JEG:_99
M[O:,1RR>:/J0,_J,_C5NBAQ3:?8%)I-=PHHHJB0HHHH **** "BBB@ HHHH
B**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@#_V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm140094864169328">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Feb. 05, 2024</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</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="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</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="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001692376<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Feb.  05,  2024<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">Velocity 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="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation State Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-39183<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">46-0659719<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">30699 Russell Ranch Road<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine2', window );">Entity Address, Address Line Two</a></td>
<td class="text">Suite 295<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Westlake Village<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">CA<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">91362<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">(818)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">532-3700<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="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="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="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Common stock, par value $0.01 per share<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">VEL<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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_CoverAbstract</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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>
<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: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 2 such as Street or Suite number</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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>
<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_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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_SolicitingMaterial</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_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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_TradingSymbol</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:tradingSymbolItemType</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_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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_WrittenCommunications</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>12
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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M=]W3CHG&K=!X#;[Q3X?#KHG&J]!TZVDF)_VN:Z3I%FA"1N/K>A(5M>5 TR
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M!Z.:60F]A%9JGZJ'-#ZH'C(*!?&Y'C[E>G@*-Y;&O%"N@GL!_]':-\*K^(+
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MU4#E/]O4#6CV#30<D05>,9FV-J/D3@H\W/[O#;#"Q([A[8N_ 5!+ P04
M" #;0T98WEL,W&P$   ^$0  &    'AL+W=O<FMS:&5E=',O<VAE970Q+GAM
M;(V8;W.C-A#&OXJ&=CKM3!(0_I_:GG&<I,U<+N>QW63:3E_((!M- '&2B)-O
MWQ4XD+O#B]_8"*.'GU:K9R6/]U(]ZXAS0UZ3.-43)S(FNW1='40\8?I"9CR%
M7[92)<Q 4^U<G2G.PJ)3$KN^Y_7=A(G4F8Z+>PLU'<O<Q"+E"T5TGB1,O5WQ
M6.XG#G7>;RS%+C+VACL=9VS'5]S\E2T4M-Q*)10)3[60*5%\.W%F]/+*[]D.
MQ1./@N_UAVMBA[*1\MDV[L*)XUDB'O/ 6 D&7R]\SN/8*@''UX.H4[W3=OQX
M_:Y^6PP>!K-AFL]E_"1"$TV<H4-"OF5Y;)9R_R<_#*@ #&2LBT^R+Y_M>@X)
M<FUD<N@,!(E(RV_V>@C$*1W\0P>_X"Y?5%!>,\.F8R7W1-FG0<U>%$,M>@.<
M2.VLK(R"7P7T,]-K&>009$-8&I*;U CS1N[2<K8A:F/7P$OLHVYP$+PJ!?TC
M@K=\<T&\WAGQ/;_[;7<7V"I OP+T"[W.$;VY?.&*_#O;:*-@"O]K(BH5NLT*
M-J\O=<8"/G$@<357+]R9_O(3[7N_(WR=BJ^#J4]G$+VPB.!MS'9-='C_+8LU
M1SBZ%4<7U3G,W1Q(%(MA#D/^2C[QMR8B7,GS/-H?^9U!'\'J55@]5*S*K_5;
MQIM8\.[#\T\(1+^"Z)\&L>!*2)OG(8'5TLB#*Q797:1W6WX/*K;!*?.VY#MA
M,QP@'UC22(;K/(+!!E;I5J0L#02+SR )@@L$<5@A#D]!!#6I,JD*8R K P$D
M<YE#OD':R;"1&1>^OD'H1A7=Z!2Z6Q%S\I G&ZZ:0' -R/CSSH@..P@/]6I+
M]4XA6K-7<A="VHFM",J@'>=KD>SVS[U^;S2@(XSP@^G34PAG80B&J,_>+\@]
M/$>^I(U3V2+9\?JC$5GF&BIN3):0@A%92A9BO'4-H*B%X[SKO6SDQ257N8#\
M]4<]#+ N A1W\>\!Y[8E%5G+?7,-Q>6>N#8Q>^;D4<105;#Z0.L"04^J$!5C
MN8(!<J'DBTB#YEG'-><S#*TN$A2W^>_1%E(;*&+_B.RHL[0HCFBG[V-L=>V@
MN.474SF#'>]Q%%S@UR$=_H:AU*6"XAY_+P.(RB*2*69U+2*]CG_>&7@>1E17
M!HH[^),2QO 40I,D>7JP.=U(A0NU;8-H70XH[N4K&0LHA"+=D<^0X HJ82,/
MKM+&X]?5P,>M>Z%X$1X.*ZS<"<&&$;:T7[;;YOEKT6LEJZN CUOV#V1W6N=
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MP %#TG1X#SY['R73>RHY_U=3_ 102P,$%     @ VT-&6)>*NQS     $P(
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MB^$_7G\!4$L! A0#%     @ VT-&6 =!36*!    L0   !
M ( !     &1O8U!R;W!S+V%P<"YX;6Q02P$"% ,4    " #;0T98,*#M*>\
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M<W1Y;&5S+GAM;%!+ 0(4 Q0    ( -M#1EB7BKL<P    !,"   +
M      "  8P/  !?<F5L<R\N<F5L<U!+ 0(4 Q0    ( -M#1E@<.&7J/P$
M #P"   /              "  740  !X;"]W;W)K8F]O:RYX;6Q02P$"% ,4
M    " #;0T98)!Z;HJT   #X 0  &@              @ 'A$0  >&PO7W)E
M;',O=V]R:V)O;VLN>&UL+G)E;'-02P$"% ,4    " #;0T9899!YDAD!  #/
M P  $P              @ '&$@  6T-O;G1E;G1?5'EP97-=+GAM;%!+!08
1    "0 ) #X"   0%      !

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>13
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>14
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>16
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.24.0.1</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>1</ContextCount>
  <ElementCount>23</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>0</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="d745667d8k.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>100000 - Document - Document and Entity Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation</Role>
      <ShortName>Document and Entity Information</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="8-K" isOnlyDei="true" original="d745667d8k.htm">d745667d8k.htm</File>
    <File>vel-20240205.xsd</File>
    <File>vel-20240205_lab.xml</File>
    <File>vel-20240205_pre.xml</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy items="23">http://xbrl.sec.gov/dei/2023</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>18
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "version": "2.2",
 "instance": {
  "d745667d8k.htm": {
   "nsprefix": "vel",
   "nsuri": "http://www.velocitymortgage.com/20240205",
   "dts": {
    "inline": {
     "local": [
      "d745667d8k.htm"
     ]
    },
    "schema": {
     "local": [
      "vel-20240205.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd",
      "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd",
      "https://www.xbrl.org/dtr/type/2022-03-31/types.xsd",
      "https://xbrl.sec.gov/dei/2023/dei-2023.xsd",
      "https://xbrl.sec.gov/naics/2023/naics-2023.xsd"
     ]
    },
    "labelLink": {
     "local": [
      "vel-20240205_lab.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "vel-20240205_pre.xml"
     ]
    }
   },
   "keyStandard": 23,
   "keyCustom": 0,
   "axisStandard": 0,
   "axisCustom": 0,
   "memberStandard": 0,
   "memberCustom": 0,
   "hidden": {
    "total": 2,
    "http://xbrl.sec.gov/dei/2023": 2
   },
   "contextCount": 1,
   "entityCount": 1,
   "segmentCount": 0,
   "elementCount": 24,
   "unitCount": 0,
   "baseTaxonomies": {
    "http://xbrl.sec.gov/dei/2023": 23
   },
   "report": {
    "R1": {
     "role": "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation",
     "longName": "100000 - Document - Document and Entity Information",
     "shortName": "Document and Entity Information",
     "isDefault": "true",
     "groupType": "document",
     "subGroupType": "",
     "menuCat": "Cover",
     "order": "1",
     "firstAnchor": {
      "contextRef": "duration_2024-02-05_to_2024-02-05",
      "name": "dei:DocumentType",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "p",
       "div",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "d745667d8k.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "duration_2024-02-05_to_2024-02-05",
      "name": "dei:DocumentType",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "p",
       "div",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "d745667d8k.htm",
      "first": true,
      "unique": true
     }
    }
   },
   "tag": {
    "dei_AmendmentFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "AmendmentFlag",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Amendment Flag",
        "terseLabel": "Amendment Flag",
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission."
       }
      }
     },
     "auth_ref": []
    },
    "dei_CityAreaCode": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "CityAreaCode",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "City Area Code",
        "terseLabel": "City Area Code",
        "documentation": "Area code of city"
       }
      }
     },
     "auth_ref": []
    },
    "dei_CoverAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "CoverAbstract",
     "lang": {
      "en-us": {
       "role": {
        "label": "Cover [Abstract]",
        "terseLabel": "Cover [Abstract]",
        "documentation": "Cover page."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentPeriodEndDate": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentPeriodEndDate",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Period End Date",
        "terseLabel": "Document Period End Date",
        "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentType": {
     "xbrltype": "submissionTypeItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentType",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Type",
        "terseLabel": "Document Type",
        "documentation": "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'."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressAddressLine1": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressAddressLine1",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, Address Line One",
        "terseLabel": "Entity Address, Address Line One",
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressAddressLine2": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressAddressLine2",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, Address Line Two",
        "terseLabel": "Entity Address, Address Line Two",
        "documentation": "Address Line 2 such as Street or Suite number"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressCityOrTown": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressCityOrTown",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, City or Town",
        "terseLabel": "Entity Address, City or Town",
        "documentation": "Name of the City or Town"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressPostalZipCode": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressPostalZipCode",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, Postal Zip Code",
        "terseLabel": "Entity Address, Postal Zip Code",
        "documentation": "Code for the postal or zip code"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressStateOrProvince": {
     "xbrltype": "stateOrProvinceItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressStateOrProvince",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, State or Province",
        "terseLabel": "Entity Address, State or Province",
        "documentation": "Name of the state or province."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityCentralIndexKey": {
     "xbrltype": "centralIndexKeyItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityCentralIndexKey",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Central Index Key",
        "terseLabel": "Entity Central Index Key",
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_EntityEmergingGrowthCompany": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityEmergingGrowthCompany",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Emerging Growth Company",
        "terseLabel": "Entity Emerging Growth Company",
        "documentation": "Indicate if registrant meets the emerging growth company criteria."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_EntityFileNumber": {
     "xbrltype": "fileNumberItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityFileNumber",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity File Number",
        "terseLabel": "Entity File Number",
        "documentation": "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."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityIncorporationStateCountryCode": {
     "xbrltype": "edgarStateCountryItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityIncorporationStateCountryCode",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Incorporation State Country Code",
        "terseLabel": "Entity Incorporation State Country Code",
        "documentation": "Two-character EDGAR code representing the state or country of incorporation."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityRegistrantName": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityRegistrantName",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Registrant Name",
        "terseLabel": "Entity Registrant Name",
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_EntityTaxIdentificationNumber": {
     "xbrltype": "employerIdItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityTaxIdentificationNumber",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Tax Identification Number",
        "terseLabel": "Entity Tax Identification Number",
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_LocalPhoneNumber": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "LocalPhoneNumber",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Local Phone Number",
        "terseLabel": "Local Phone Number",
        "documentation": "Local phone number for entity."
       }
      }
     },
     "auth_ref": []
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "PreCommencementIssuerTenderOffer",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Pre Commencement Issuer Tender Offer",
        "terseLabel": "Pre Commencement Issuer Tender Offer",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r3"
     ]
    },
    "dei_PreCommencementTenderOffer": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "PreCommencementTenderOffer",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Pre Commencement Tender Offer",
        "terseLabel": "Pre Commencement Tender Offer",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r4"
     ]
    },
    "dei_Security12bTitle": {
     "xbrltype": "securityTitleItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "Security12bTitle",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Security 12b Title",
        "terseLabel": "Security 12b Title",
        "documentation": "Title of a 12(b) registered security."
       }
      }
     },
     "auth_ref": [
      "r0"
     ]
    },
    "dei_SecurityExchangeName": {
     "xbrltype": "edgarExchangeCodeItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "SecurityExchangeName",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Security Exchange Name",
        "terseLabel": "Security Exchange Name",
        "documentation": "Name of the Exchange on which a security is registered."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "dei_SolicitingMaterial": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "SolicitingMaterial",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Soliciting Material",
        "terseLabel": "Soliciting Material",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r5"
     ]
    },
    "dei_TradingSymbol": {
     "xbrltype": "tradingSymbolItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "TradingSymbol",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Trading Symbol",
        "terseLabel": "Trading Symbol",
        "documentation": "Trading symbol of an instrument as listed on an exchange."
       }
      }
     },
     "auth_ref": []
    },
    "dei_WrittenCommunications": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "WrittenCommunications",
     "presentation": [
      "http://www.velocitymortgage.com//20240205/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Written Communications",
        "terseLabel": "Written Communications",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r6"
     ]
    }
   }
  }
 },
 "std_ref": {
  "r0": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r2": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r3": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r4": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r5": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Section": "14a",
   "Number": "240",
   "Subsection": "12"
  },
  "r6": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "425"
  }
 }
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>19
<FILENAME>0001193125-24-024836-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001193125-24-024836-xbrl.zip
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M(<"E4CH,H;IP/ !/!>Q;QZ3Q^9:4RL4\5'Q,!N$=O^OQVP95; .WO=YOH,A
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MH#S6JOU0+1C+"\;/B^*N)T7G"F2D]H4>TS=?H=7;!H_\DKC'CMN?6M].+M=
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M[.?C-* 8D)H?*XN#3]C<J,KS2BA;?4,)(BJ(>=O<?;/W5S6?I5&)$<'!39,
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MFD?^'8=480^.(U^C)\OVMO;#"IZ$B=*;U#[(8C).&>Y-D=&,[KO%U X87'9
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M1O]SNE'XW#R\@Z#WE+'TN>[<$2N!"M5G#0.W85,9-0.+,!KUX1!!1EC38'K
M-(HN-EX\XBVG:BS\-)U08H_?#[GR>]\;.K?#*'S:CE6=M$"/%&[DN?>1J@8[
M'ZI;X9"O0#)?+?^F\[ J[QH3O&I:(Q]56*+&1SM/5=I8"^Y]:WJMC&XF3$ &
MC=^P_&2.6=GOHY!S\%+\Y<RID*LSK#+@:),5W\+8B$&R<?(5GH(D;^Y('UTN
MK[;GZ\904;8,<DE5&GU66D<5(;2H/TP[)%QD$@19XT8A#X'^W[5JYT7>J:=@
M]4J7JU" S+=)GW;,)2HFJ)MGO]Q=OVC?_FX3?4#Z[&AR!6^A^I(Q0.'2Q1##
MOLI4WS*5E\,=T:,R9,PC*Y0VX["E:-L Z^P2$>SRQ5VMN4:UV/5@&O!Y)@;8
M(#+SH'<3)U%R/5$@Q=$814=JH^'(C(/\+J'BYQL_[7.!LREU[ONYSQ$T^,<5
M4>!839\H_JRNL!];%=#C "0A*ZPP73:FT Q^>@MJ+Q&+!%_=5*E.^"FFVL."
M?=)!#A-C4*8+<1YQ+S"D0,4[3[V;72>+V7(V0!9*NR%'K<VJ8RW%M(8LG4NO
M*T7K>,=C&)I=_*TV]")$=)I\#TO3".**%;(4QI3OW;)3'6>K2")9IM1TVE4=
M+FK8!LT]=TCE!F%]#4)5,4VZ/+A =9=(X36/HF&-@1_;L![0F//NT^NV5ICU
MF8])E\A^D'%J$&ZG \;%V#,,!VQB8S>R.9FJ!E2RU4#_JRY.5+W6I]UH@,]V
MQR,-0!"^;C^]"M&NY<*_6> -7O!\HN@3_,@-A%=C&LH]ELBYZ+$ZTT(&PW*%
M8G/C6.DE_3N["Q67$I;EB(TC1SZ914.D!>3$(*H%US*T,LPE#E<+@"1XL84D
M:H5PDL7)*T-,,@^%><,J\E'U# V]8@VKK$%JEI5VP_968$\-8.DI_VX7#C@%
M?$5R@VN6#J$LP^XPW!>)9A44,M@7?ERQ\$HG;&Z4%M.:6RSA0',F%@P>3"^<
M1^G$PG;QH-#DZDF%N$57*JRY:B=9DJUO\)RCX2_J:'@=#:^CX74TO(Z&KVTT
M?'\/"^@C#*M@7?"QZMW <3136*MCQD(!#Z<Z!8K1B[TB6\*B.B4C&\/1YGX-
M92_=2G&8N#M5S_:V\N2:RTCI6&4F!:N;JPHM5V(=N6;8C$L<..N<K7KF-B-4
M5+T_F5;$C$/ #MAOZ>9&><@M;J*N@FD:7%A]H?:U;I*H;Q$'<>!^RVI,?ZY+
MNXE!>QN;:"-]1-10K,8V/1M>0S6ER-6,ZJ@AW-[L03/%DV8IDA!E7!RB*9W.
MF=^)35X-2"48@<")&+ZN:MS-DJA%"F/'UF/VF%1U?5!6IUD1C<\;4(M'<X&^
MA1V=ECZ+&J:HR79@Z05M9K/;IKIJ5U>,%M9%V>[F"VEV;.&6!;=BK$0]L4P2
M38UPV'&C<GQX5O4@MOA.U5]R?!'NAIPNL7(S2@-V::J6>]G0M3_=:\#%T3N"
MMRQ3N/->J/B!M6MY[%;W%F;N-?/"M^(>&?WR1-*Z;[FOAM_%?4,+)\/(>7MO
M-Q:3^6OV4C(-:;/&S\]#M"7/)8\6Y[+G8VS&]":YFB@YK=H%!988:S/'B7IS
MDR\K;/"9X<LW*S#.Z1QH'UUVSDX%B-S<W+AHGU^TNV" M/#SKG?VR;O\TO;.
MQ5ZYZ$HIU>-V]IY]8KUNPH&E,HVD>$U@V& J=2K28Q9'CE4)H!A=1Q_;#I-#
M02<%>;T2_C"EXPB--0F60B"<4I"Y,&DR1ERPPPZP.&.*D$!=DUD!1Y0H$D<S
M7+D#:3]UTX%SPY&JT<'N[6-L4S^.Q<]$SY]#--YM"!.J1-MNJ*S2N8?>^\X'
M86+IO_^U\\'3%&C<6#ETHAIZA!:_&_O(FG^2MS^BPS!U2JMZ%:@J^3DW$9TU
M=_&\ZK4CTX-<YDR_!A[7@X C$]-R4DY,TTI-F*Q#(?G*+/8('#2?B_H'X8%3
M7:A89-;@,WPR:5Q]<YNOK-HF*F=\J9H,B_B'U!&  TI._A<["/JW?A@Y37_X
M18HTDIAX4%A%&:=UISA)3=\M_<3"J4%] =F<$:EQ4Y^V3:;>G2YS%Z7! 3WY
MIV4-->UT*EY]CQU--&<\P,(NDT'ZE$D*X-Q(TG5+(+UN[C?MG%?[!Q;@(=_-
M(9:D,!D04F#J_,A"VF_*!MKR%46,E92K@&X8MA&+8(1!MQG2X#20X 7^ZP7^
MUVO\KS?X7V_QO_;VJ?O[UMX+7?[B(;.(=["[A_ES_-,D2X]Q7PS'T36=]WI#
M4LVJM3G@OE=R.Q%H/Q)MZ?H0J*JUBJ?FE5R:19)ADA;<KTI--=G^&D#/'3(D
M^0YSGA/2)5.FB3\B4Q8+V+"3BZ][7 _A;KD-KE=U%U;6D[O[?,<!2,X+WEHQ
M:> 3L@3QTGB]:DV68?\S>91@9@QV7YZIU+=Y$DQ83R;L1CJ=*)PUO8?/VS0
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M//,N+UJGW19=Y8'\=2X[;2OZ^IB0X=E&V!L,OWYR7.*/RC0OQ2*Z)@;NE#;
M3< );4QW9"B4N+DA5A2Q@_J.7[-EA=+M*,[VNT</XV#HXGWG ]C2*2AW,-VZ
M.B6 8=6F]QM'0&%N\LG. &V,K9<'XD7UX:RT<-=,2@RVIT\^A;JCT',P Y-.
M,U10ME1.YE:A3"?RLWSJS55[!4FYZB? :O7';+DA=&O$A?N-^P#:;86%L_VP
MV0^WRU2Z$=FAV4T0Z S0'*1: 7[,<<=MRGL/K)51SA[-'54&]6?(VR-- ,R
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M'<9_LL*:K1YYV59_.?:O3Y,<SS8ZOL2<0H=;IZ2Y))G!-[JS D;$_6TIN%"
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M1:$JI+446/#QE77-TA;;["/*PM*!-:;4GV$1'V(G<MS-,,Q/09](IBZH.7Q
MCT3$5H\^BP*T4+\T]PZ\K8.]M]L:GB6@1'%[$2ZKB%11CO%G,#EW20'EZ*@
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MC?&1W/3.R+#DQ+6WM_MN=]?SF\-F@U;M7TGZW3LBZE]823X"7).3@2Q%H)'
M-](R!M)1PLJ>)/Y64T=^[A-6G[NKPTX/T$]$3R045PAS,^Z"(<N0&H1ZMX9L
M$G[AS0WUJ0-6LN[FG.JNNF_H"9_]$,]Z!KZ:/$.5:Y0\4/J&IU!E10C77)A-
M]TI:+J_R)@Z;!-AD:3)DDB@^,;5H5#GXO!@#!$_+I%2+'H'GT4QR);THPX[W
MK"2Q-$\X8)2\C'S@^7*ORNY\KBOB56F2>T>;E.<D)3F7O!=W)=2'2*:TB:D^
ML"(</=2UD<)&%0@!0[Q.7/4X*0" ^4M\7A0&8V5SJ6%4J19?!OV<L31O:BQ-
MC:6IL30UEJ;&TCP9EF:>3?VJ:<K)E$7,SMT9FW-V3+W!09SJ)MQDSX6IUP)C
M+ H)?4Q^M+H[FSMB7R4C(JHG;"I'!5UC75OF]%L)2??#%.,L5-$E_T:Z?>,@
M*A@TF0=\"WT$$Q,P.CK%HUUH%-WX*]DCUKQ0\%T0[!.:E](D3!23I68KL\OA
M*TQ;-B?T29_IYB;H>X[A\CB7 CZWR7&QNTL<DN](]]B6LNRI_=)GCY)6C,*?
M?D^7":"1B!Q <8SF&]B368*<<9*5T(9LEEAC-"58PD=JC"?L5$C<1,J8LA>J
M8$XQ2(F6AR]G^+%S;4\ZE""FVG+KR<4>IUAD3A% 330DTV9HM>S(6L'W0S:D
MIM<98B]B6 EX#1H,2ZHU(,M@*_N3Q2C'*Y8%0>1/+,.6Y<["3%F"+!OD*(F(
M]LU75BM(2B)L4M'$K7N]8I@5;B##FVG=73LZ*@@O7;5M>2N9P1.][&Y+DTIN
M4'%_N"F&&X@6S!U2L<9LKP<8;Z-&4=QX0MY+O0,FA"U2+1J_T\2=7!VN^&;7
MS?;33# $GN='1$"UN3$(\!,L]-RYH[25KH6Q-AF^<RFSM:WW$7DUJM"<F_U8
M:L?EPC)"8L3?%A=%V5O!+5B2HC4,T+QN*FP>'!>,VYM;#WR:Q#OJC%%5P5CQ
MP8=02_&Y*UI+O=R4/W%<==[5PO<>N\3P#6_KA]W*QL2 ;+=2+8^.82OPH1O9
M9E):^V TZTTA7U$1,<PUMS *2)"<7Z@@NJO,53@:MC<%LT&L1EE@:E:Y<,DI
M@[8# BJJQ!'K&8]GAK2M2?6<N*$3CE460Q@-,UO67C&_E*DKU[G::FU[D9G>
MW'C@5+O>.@\V6&"ZO<)LWVNFG[,#_[9VX&L'OG;@:P>^=N#7P(%75M:;)IRH
M,9R3"=@Y9X.!D&]S54IHL8(=48=1^A>:14GT=&A)A".5QR-%.U4)!RP4!G<D
M[85T'NOJ'*X101_'<CU5'']6:MGCKCC@ZFB("KDY809.?GH=]"UGJV$R>P+F
MI&0L,YCI\A8:"7G)]L#I4QTZH"QTJJN O"U==*N(=,NY8YB?_]IO[&*NC=T!
MM#NNT>,;8O?)4<0.[7_MT37$>]N3V<.<\S8;AEAL36,7 )4*7[C>*:X&"I#Q
M@;E2:,N/34&TD3%Y+:O^F4$4L5>ZIB+@46B<Q$_6\+28^RKJ"=K;W=,$& NB
M.,MD&)L;A1(G8\).J7%2M>5V],=RP[=\,R]E>=:AM'-,##K3=)H4"-L'>4"P
MF ,;O#)(L%V&\CI+#ZA,D+*?KL@@V?''?N0Z7I1HV)<@(8@<3A@1V#&W<7^?
MH^1*Q9,:##(<(H*YTC4]OCS2Y%720]+F R.9!,'"IM *09-4QB 4<E!Y0C:X
ML42$F#!&QWS$L1&:+H):J07QJ4TTR)GT!-.K:BVIG84W""1Q 7C0JF]IW\&C
M(1&_GT:A6E-P4%/$([VH0&7;:V]@2UX!L<3WM^!&H=U4 AU>:S5@CVYN:&%L
M_QB%:35% 05L<(OG46 2\!(@X^E84*R+=]9PA=+V]P3\8L!:^0U"P:>U)B@,
MG[E5'%2X'V5"M85ANI!Z EF\I:H/+,)W4!UB$ "#2LS<I20.E1XE>"MC=:(-
MRP\GK3%U(2JY*5 VQ\.AXZI7[&>K]ZW1QK:@AID!Y 6@ST1:IYRE).<5I#ES
MUO3QNRQ<;7,8N+S$-"/O[@,$7VTK][UM"V=<$N]04=E0%&)>R%?5"2'40ULM
MN$:,.G//F,T-8JZ+)B*J8JG@;D*5VT_]NUBCPW0K7]K.?);>I['9:N=N?WN>
MU-$!J8/2%9K;D<^G?Z,7VP8*34$O0O:I]:'50-U$W<\U]D1;'8=/+\XOBR]0
M)3DE?5@6_$J0C07FT1I=+_[F1N6:3D49J4YP<@(70*1S9<H%?8J )3'E)89P
M=E#/;U6?;C(BN*.M^O-EGTIY(0T?DI\IFUNU%[*@:T\OT0>*DDF.Q@")C<5,
MXA2@K9ZD4:G)R+II"RTHFQMZ8@@BC_-.=]:WU8K.NADQP4[SB$H.T3+>T*%-
MY"C:?!P;#ZU?\9+#<4:9Q05'M0:;^Y4*I.,[B#S3K&?6:LY8P"E;?6RJ&=5Y
M8SEPV+!>R;M>U(;5P@C[T 2J3QR;EXSKQ[GC"D%\'C%JZZ<*99JFB>!&C/8!
MJ5+UF-54EMB "5>ODN3[#CP2;3_YN%&U^Q087',H5YO]K@U%C.ZDSZZ4$2NC
M1,._[^8<EK&^&LS;[B(@7"^L,BDXI=9$2)C70"Q?JS.G*$6!U3U0V32<#HZD
M.M"M4Q*MS,3HMBMEKXM76);-C8)3T; ZF1J"9$+]&]O^-O19U)BNT6=WV1$0
MRT&36C1LF&0X9+W8'QJ15:"4:2!R@3]8>\T,QO;1&LJ/4^SHGJD#TT<8LW+C
M=%+2U)[1&?K7ZI?TA-+RQB@Q$Z<P^HJ.$BS6P#A:@??0W]R(X4[T5DK&#.:V
M-.L.\]TXKCP+C UA@8(?WT_J;2,0JU*)6$=M-7B^V.TK\N\&X^C=DR\T>%9L
M?#JF9Y5C5 3!8*$.]@W9W-"F]]QC[.DM+?"&9I<Q@"*KDLQ9*\Y69QCK4G(T
M7Y:80>V[//->:?N[=8ZZSE'7.>HZ1UWGJ!^2HUYYM*PZ+U7N[N(<A%:5L#[I
M=9S*+2&;W: 9C62-J9N9/+0305-/30[U6E&#)R JZ4^W! N!M84"5F(F3ZM+
M-:6M;IQ0;N)V-*^TNQH,["]'^22^E]TSP.=6 A8+!3@26XA.2M>LBMCDK'3(
MHZYNX#!*%<#P)F?./6DJTNT&F,YYH$ X-JI0%T4*(K/KPL'FQE:H0*$2UT"'
M:T)/%C?5CR5/I4CAJ32@4>ZTXK2.FML4>L!-[?C6BCJA4()IHBT\JO^?O7=M
M;MO*LH:_LXK_ 1_FJ1*K8(TOL7-Q5]<HMI)XGL3V:\G=TQ]!$I00@P ' "6K
M?_U[]O7L QR0<IQ8\E.<JNE8$@F<^]F7M=>2B6^-\7N+[ GQ;"&J!-\&1:%'
MA73<OA/* \!"CW-L[ "<//GRON(JLH9PU&]&9;BGDW?;\A;28X^^R1\\$GBV
ML)1!UG9!J^MDT6E= "'B36C*^9VT'MPQ+'+4%)_E)P5>*BXQ(U<0_3:$!@+J
M_ &S%'76HC@XJ-!"M,"M?M1+C&Z0X^1\J))-X1NN/FBEXB/:V+H)VNI:MG(-
M-<Z?><XXX]MWL9(A,YNW&Z=>H3+@0D(QO@9.>H%8S9W;P=_<T; D0-Z[37I5
M--TV#\9$.OWE=\'%#!IFP?]8P$1E!/TR =)V&AO_Z$'+9$MX0$%8=GF5C9^U
MJ4_>.ZM#SVBS="-?P2B^NR4+J.R"T+V6N*!,6K(IW=9,1,5F>+Z;<QA3JN[H
M1EC :@2K@94U; )IJL4]'2_N158QHX#-UF 0;F_6^]CC\]QDUNNBXL55 N*.
M0[C\/N6P&KX'4%H2_:,RG4CJ1RT-(GX!YB%9H9<@HH(5A!PG]70+ Y/N2Z[4
MRQD(C6VUX" R@CMQ$']-D<_)#B20T;2)J'NBY>%6[ST ;V0SPEPBX1*L9>K3
M15-O-]R!(S@BQ(+)LXJWR#MDT-E_(3Y9/GBB*H800=NO& G?>;KO$L7=DKLM
MNE#INQ=EC3)%+&K$1)JP=T@X>#WGC24F]%L@=4-H$O-PIE:#5TL[YWF5 W$*
MU/E<.PNNO2PV\(A3]W=G6PG?NN+T?MYFC=ON>+TQ>A":]?3A_T$#"J%> \!F
MW;@C&([:JQH_O:FOV9;SG\GIA:3-U$,FHDEKZCICC=.&/0?);DGX@E0WYV>J
M.E8\#*<!/)*8+V^")R4J5U35BBUSLX.9'B!;!$5)/,S<$>LGQ(VCN)UCH\@7
M.J."WU(!\ZG1G70W<5ZN>J6M@L^C%2U)TMBZ[A>^XKFR*-$'1P5?1A73-8V.
M$II*[E) IT&.(O\5MHIKLV!<I^V*H260W(,5T*N\Q*.U[?),XPW[GH0I(7>[
MP)R'L_/<G6C]U>5^L=HV,/]FM<G-S+,0GX38? 9NWT U.;Y9C05HB @S^WN/
M1A=#(G4G'M[ F560%<TH_TOBS>RH\G"(9PS$X_N4C.0JRJ-PL7Z]689'ARS#
M(<MPR#(<L@R'+,/]R3+,9SVSM(=-=?<DFWW.=X232NZMR+U/_J(PPGQIK>Y'
M#X^3DY]^>O7NMY/S5_]PI^^;?YRZG7]^=C<5>\C+7XOL:83LQY.G$ :)I"J5
M5KM?;&1LKC_D&_Z%I!5NY!\=._<VC$W_FETS <7>H6#HMX_+P1*$6%S*AF^U
MP-32='+A!JVID#&E9*+67J00T'!89U0073O;<SW"G_=G)\G;D_-WK]Z<:]P5
M+5MT0T:"K4PRB68^YQ*<H1^$&YX=?\_T0="E>@Z%-EQ:4V#5C?%,L9/% JA;
M7$>-5@ 2K(#WB?0J;L 6SO*UZ8 D& ;@.:J;XM_<SJ!T!_MD35T(45)>4!FG
M-)RWW!(&!CXC.$"$36(B:\$G@@GJ]JJ$VFW#93A[7?^JKA[X9(;X\QJ3G4XB
MLY_LGWR0C\N*DLKF:AE_K'0;##_:UOO&/_GDX;^NMR6F2E)TDIV?LT56H5I3
M/>JQI9;P!^+*0.2SZ(S#D@'O![G-)TM"\9YBZ^\;_[4[ AY#&:M; C2AM][W
M*968TA& OEW.7T,J?4NL!=6F,I&,D5Z)D@8PG]?;:LG;%BA'**D!B[+!9<QM
MBZ7NBL924IO]@<3#O!7@QXL,7&'U^[?$@D3,IEBZ<N'\?Z0JDTAQ=[/!'SE8
M0&SZ)GPPG4C-LCFBG&\,=7FN!^ZK>S?3HGY0^)'WX30(@?B_4$Q\">BX#AFX
M07":[A895,S]VL$AUNT91M3<C;5M@4^JN>GCK',EL'/_;F'D29^9YH'V15Y=
M9!<>'-YF&%AOP,MFEUFAQ]AV^B5,:]%!BW?&EN]HR3]1KB;H^7GVD9?"BS(K
MUL/+;X3U#Y?^JBBITEWC9%WVT0U@MVW<X-GT]3S'#U/!A[,4?M\V1;LL%J(.
M@LS"05D^/K?#UK678- QC&2(6, E*B\-<Y'X_12C=VV+J<\T/ ?I77AH)V5^
M!3TKUA"[ =CQ=%)TAC4OO(52C@FB0 )@*5 %5,[=/@)75H^$=*+H"R(,7U'A
M;'X3?C8OB^I_MWGETZT+G# ,.K$@TG;=[GP!AS:OJ.0;2Z'XDUGR:Y%7V.?P
MHI7 Y_B!. B]^K1I=.54>4Y9>9IRCA>YF;+SE/+,I# K> ]A;^$T.++9>CJ&
M4LVK%24S'2(6 "G*F9"_X$!5:X*+HD4:6>,W1$H%J32XY[*6,G 7-6BE9X1#
MHM6\@0%K"H(9U<P$U7K>/14\C;P#R2[,V3,\Z3JNHX\5@OQ\<O)64@50 */3
MM.N50\2#,VL,$D=U<6)[1[<+[Q6\0F@9+OZP"9%\B@5Q^^LYZ=W.4+7$]_(-
MWLK#(T=K=W2W+6Y$3P)VOQYS-E\.CW 6(2Z]@DIVE$#0[U+<H7B;$2]%RC:7
M6XG.:NQM0TP7F^/F)CDRJ0:?Y($/M[.1#5CE!7Y'7-SX9N3CS0P-[L]@;_K>
MXC%9R#;C4IT_9P^.,)82V,&W[G:[TMDGG[,M(^^]DYW:;\6]8WYTYL0WX$2+
M8MGIQ\+-+=IM?5&.,Y^CZ#.M/DK5?-ZYK=VLD@-*0+,-#SU.Z8<\W^"6$6TU
MOTPUR]=X;;6>*()K@+1<.87<5'*A>LYGSY_0A61?#T9>3EO82\/YYM:K<=_C
MB)$1F//! EI($(U0 R? <EK>/'AS#2;UF2ZZF1H<&":F \]XF+NZS)NM3S9,
MS=+*1[-]?]\N+PPF-&Y\$CZ*!,PT+>6]:*: O>7(LOE(=>'&A/LTG_A6CN]7
MF0![?$B '1)@AP38(0%V2(#= RK($2/LZ3$HO('+\:*N5D6S5B6_.ZAHR")H
M]"-F?8= #C._SP  B;^$DGP@?,3K55W#'"[HNB$F"UM)9 )_@365R1B$#/>K
MIE[#!X%+OD.^N]?OSMZ]X9)S=[,O,I7CPD)=B&?55=&)_2U/1;K#NKJHX2?R
M/3S*6E0CN\LXT[[6+F55!96^"S-/SKNS<FMH6E055$MAFD*(Q?J(0$URW.09
MZ7F:YA[#;?W%F;UZ^&ML,O0)QRR M?=5"1A,);KA$D$R)IW4E>DTQZDQG),P
MKZ]R ZDR9(&9(4E]R6Q#1V-T1$A*9I7/X!,GR]^WZ+Y*#AE:D\?:$K@(CX\?
MS^Y@*RYH*X+: 9F\M/6TBH%V0A@S7=0MEFAA,=$R5F%!&2J<T6P%JQBW!U9^
MY,ZP@L"'S)& \J:3>=U4.7%NMFX>P7VW13[W,%#^[#AY3ZF"MQ1 X.#X^:6&
M%-RZA=,%NV'56$R_MZV/=8SY2*#M;(DXZZA$"^0&23(76,A<1XKJRBU #LWY
MN(9P755YI^WT[*<0H;C(*Q02\?ZD3Q->UPT6#2RR30$1<D&4WL?8P[= B Q%
M@9548F!$S$\3[V>."0ZN('<B05E=KU(5?@<J!W $X-NA:BC0./%%>9R@9;D3
M<CD1 9HWJ]QG-]PF:3L*+Z*[38<YQOJ.#'BS']E3'+C7?KD Q L*FR]9E<7\
M\24+L]BLW%"S&3(Q$IU\7Q7(UO1"KV#WSR6A/H'3CF5WA'FFI?R-E+)HA,VF
M<VS.65116'I!$VFFS>]L7=I1UE+]B__HF:CEJ #(;#3BV;M]LKZ&2!BU<>N'
MG7F5<R'>-C^.O:JA2&%6I%2SHU+-FT1(;&M9#A12'<C_< O"5(LRW,2_0!F?
MA;,3J '\!B,6C-<GS326*(U.-:>CX;26>69&9+IQ<;U:I$%8!3#$5#6<^0)-
M(15)POL12J\74JSD$<)F-M/$P*J]';!OS-%-Y@ 7COS(N[C6] 8HHGA)GM!G
M[^$%]-UQ\A.;12=M %)X*^):F"DP)C,K,,F%\TZ&2,I!+-J-3%U-I[G+H)$U
MJHD.MQFY>")O&BF.X(HMR)O45-+/>U6G')1Q/U3U=9E3."_5E8B47F G6?FL
MV!$&5R)V?6E^0^2_^!,*+W%E7_@,N@M]CFM9IX!2084KV[!<V;]2;M0M8 M-
M_H _*Z %R&O?[HOX2?F:,XHAA-N8&J)]KZ4O>+"$5^1"PU]-Z 78 TN\]MU!
M'D"$,EE']I3VHXI5LK&%@W,^5/IB\P>4U>'@@_\B=(F+>U5Z:9$U<(QLF1::
M(J]D!9IZ"3W[(NM![225+O)GJ@&JH0,@>:?4OT@A&O8.-I#%L3?:S^"='-S7
M])N-WMI:V3S#L[I:*OAAX<:.#F?Y2(A1Z^,%]&SKLRW$&GH?3;/O VRE8>B0
MS[_"T,0K_.(@7-#3H#.=1KH0PE&Y\7OT^.%TTJ-2SY'YG89VY8XH]R5PD'M5
M6$=SMYVJ2BPDOBW]IW,R(5[FBWP]SQOJUY-':?+XX>-O9E(A/,9"DBGU:UM<
M5/XS>O3LRIK0AP>T"50&SC7%+0'0/!R7+,6BH<)99DLW]:5>+0]C%LR2<GV9
M<UY96HI-5/]0?&2W[_I^\S%(>U!^LO=%JO_9]5TR+W:QN/ J0&$ 9CN3.PXJ
MV;N,JI-VO40](IIQ>8T)*H'5N;Q1;,[7G*5Y<LC2'+(TARS-(4MSR-)\3I;F
M\VIY'ATGKT]_OA>%/.?["GB^_OJ=1U"_\Y.SI3/&\A)I!4?_7C/Z+0)V0;>W
M%S"PHD- G$)%TH"5A.Q![?P)Q;]EZZR\R-;,'XV .&>K+S.B0$?9:OBM\X[=
M]ZYRJ>H_PG02,K# "^5+_%#Z-/K.L_V-=VVZRIU[XQY<IIC8RE-/ARZ>,_)O
MN0=S*3HZ'!!E#OJ*6/:\(1S\=&(+NU,1,8,HM%L%'27H#!Y2$-!B1CH+$ MW
M4"@'/!VRRH5WPDT7QX;P4)68[;+>SIU)2"TME(6OK#-H Q#SK=P$U/:7;<84
M,$S" UK.[G, UG\@BLRF#EYC"1ZR;<J# "Z()4="5["HMTV/6%Q57);U(*>T
M8Y H(*\U&L/Y%*M4&@:;#IX/D;2F6"A.<A"\Q-7_Q=V^G?F]'DN6;?27/SP@
M"VW</0A?X*8F%*!L:7&M5,[[+;(RI/RI\4V6CNVRZ'*83B*;QI^]=T_,7<Q\
MK,:,6M%J^+NHMAR_:[?-57$%/^1T) FE2'BN3"<:J4$'"T22W1G7P'I9&Z*(
MP?E*GX9WU(VZDWH@XY]IEKBXD0X7I".C*:.Z(7L<XN3MW:BQ^+MA%4GP.,>@
M,F7-% _= YR26#<A3B^RRLW!DI.O18M>MV< (M8X>N'["A]SUF5,28K) E8)
M(_QTKQ[T94&'!/$TE=OUO&":E[0GH\"*VCS@NYLO>-DT.3KA";S5]WRW#>40
MAUU9<M-2P.+YR[1<DHTFSC#:(]NU*H9@+D)*6;;5H@, !83_W$K"2P1#F7/(
MOF46$JNV#E>Z4>A$SZ8P)&(,'\_1QD$<S<6T-NO%18!'/W[**"610<+DHT0*
M;S=(@$39%!5WAU"P#)]9U!>TYN TV.1X),"55KF#S!];L;_: "^)I;K=7/N:
M7 D*3R?*+B512X+2JLZ9YEO:,&K?2D06DDT8)O(3#5=?7B$\5Z@=(_".HC'5
MB'V.2_J+Z/_<.1=9X8[58NT..U@M6.J"^!XL43"_)B/I@L]4'LEZ<*:"!,K.
M>)=?4=,)<\$NN:;,'N%A6,RN0Q9; <ZI )ZD& <!3N55TGB:99:ZDE0=_/D!
M,=%V_+$CG\H6,)1-XRVW"S(9/4\K[+3$<W7VQ\)K%]SQ!!<SJDBA#";>;1EF
M+AD?=MNI#<_J"&ENW_I[@@2/X3EV)V*.74#$\=?:6=/)'D,KYIS<9SO+#]QN
M4VLZV6EK)?^/FEI@4MSR.KU[4RN8R\^UMCZAYU^MM<4#EN>AQ47.N(YFU.I*
M_I\TND2B/FYU)5^-T?5UIM"^.:30#BFT0PKMD$([I-#N#]/?Y[O004[C$WSH
MY.MWH:>3V_G0=^H1_34N]'1R&Q]Z:)S>.Q3P(Z H,U4-=U7-%TTF>S@VE@L1
MO'3M3'2".Z*N%H(CT:P&GPRM::8:,BEGP*V-T Y=NTW1UJ &/9TXDQN*P8YN
MF6^<I:@)ONG$D[7%%7<2+'E5"4I77*<@@Z:,"/E5+BGZNB+*,03.,@05W3N%
MJ7HDM#*?J<R%I2PQC(+LZ-!N(NE1I*#+B(!.*PZRIH&<.A=G2.0B%!^U1Q+2
ML%UDS;(56#:(\4I?88=G3>$L8_=+W.*OW%C.W90(::.XW&_=QZ:3M_ Y$<*F
M_FA96J@094,@P]9Y1_.36HCPU%TM3&[10./']I+.45TL=*8XM$?#ZO5G])!B
M HSHEEQG-\)^1'4_'%5JA=[)]3A6GYKZ0@ #C;!%:5A]XC;V$BMC,].8#4%:
M[:\6'K%+I'ZRH (?E9/R9I'!N>V!T^KA(B*TR9<C*[//0!_-ES^&#9BM(11H
M!H"4NLTDV\@/($LT!!2 D&TLPT<UHRAR6&;+)0F*N<;GI&!6Y*$2%N#63;.4
M>ZF_SO2-=H0OI++%:((S9J$VE<EB7;@UQB($_=C"4$EB)T">SG_04,'/F/:O
MJ9#9_0$4(B"JL$N+T6KV!"4-@]ZC9625'(ZTHA1>JW*.T2_R7;&K&-.S_=&M
M=+*"PA4($R*?),^,5&0O<T-",^N5G>#VSND67&4+"$2)1B/_"4L+76L8(:0;
M0M:'>P.5S;0IEXLTGC*6]\XBPI\K(C*-UIT1#H6IIN@2P4H<VC%V+]V_6H)'
MP%CYDU"FNH7(D/>[LX?<+?%;417K[=K]I8/:+/>__P %$[@Q!I6G0@ZTCG^'
MU]5(Z8*[FYL.\B J$ [UNVA>-;!M4$?KVZ<T5J[))2QGN,;<IN 2NEP^GV!<
M>Y;\QT-=JLFSITB.#FWB0KX77/A[ I@E^,6G/^U=SD;&:=9 B47[-4/KGQ[B
M@H>XX"$N>(@+'N*"=T: !*:[NX;@EMI;*ONZKAXP:0#SVTO%[$MGY,,-2A?=
M= (<)77\RD9^8@Y=@&GZ9[X8N5'J6U[[[H?%ELPTC))IB(S#8R(YQGXG^[&!
M0[-T+2(?!FE1)=-ZGE.*_&W>%/52_%>YW-&R>.*V ?P>ML.7CY<L<,Z-XT'F
M$HX>U8Z.&%IH):-;H2&+P5-N-_I0PVRA%;L5Y;T#,W _K,N2><>3J@8BIAV-
MOW-:GX;C_Z6%Y]T$G-=87-$;P&,T!_=,@ \9Q1^2WGH:>FCBW?,0.I-_VEP\
M?7B'<Y'C7'S&&7265T!NC4?16=Y<@:8Y^%*-NY:3'2<A3^DM5$X_Y]UW<1HF
M.PY#LPRFDSWKX%YE"[[A>K,?__ZK)_P!EY!^^<[7E; (!/O1_S3A0N1(F$ZN
M&PB75S9Z.()'B5R>&DU<YHL22\D:)15',EV<9HA(,UF.4M!C,91KY'PK;1<V
M%P;V#0AG+"D)1','X>$!2P5"<GRH1G0R4V!Z OG-%(E/4"C$EGEP8H%B)QW\
M:T4TYUOJPYBL:#349%MMCZ0AI<81[ 6O'!J=1B_0' H%^ZQ'9.I396*&2-2G
MIN T1CE\\B<#6A^F,4KM00AW^*LGB>@P6!D23@"T\;S?4P+N]W_][*M(!S[5
M#7[J-F:]+A;)F1M5KMCKLZ[W4G?3R6G 1H[LUJJ58(Q>F-LS*Y?@Y8!9JL"$
MR=UFNRJ:;DLE<SF"5R4KQPQ,9<Y"[#^6]>(#+!3$E<):O:[,YP:?P(TZE[-$
M-/UJ+^9<LDX*IG*4$(]H:%B_AP0!X.!A>D*X)<R6M!'_X"GIV#?<1^KR2NX1
M)0.TML?,0YZY)P4;&K=Y/DH_7!;S@C,:!*85WIE6)MS0P+T_/CM.ADMB.@%)
MNWNXCH?LBL^3W[ 1[CQ1<31/Y3=.J3^VB&G.@U7\1Q#@GQTN?L]*VW:9"*C4
MWY-,3.;S+OX,Q]01)GBZRXAXWZ/O4XJ^NC_Q+3J=\/DL2Z]R.[0N ]*M$S>(
M#U[43;,E*.BO*%Z'@ S?HNXR4+->;?&.2A//&6>S&[*#,@H=(U6_EM#VECA1
M]NL>"7=]:HCY\.Z'V4."WD#L.ECS[D#WYR!>[U<^(TRD9E65,X49D?LS.(:3
M[O$1^JVN\ALW.+C3H(._(I"\B8Y?I'8LMF[OP'^8S]S;X3!,O<M$!RE8WE4N
MQA6H7S4=PKC-)/((^;E<B;8X+P$D^()_4\.3MG/3B=. A%9XME+N&)8QY?O,
MNIIO;W8_"+9W51.Y$9^R0PI6J H/_3^?8,6SP5E: /I.D_A%DB;]38AKA=:%
M>YH_E]S*2TY:?%B?7-)@HLE<HXY,)]@33K!"=U@&?M<@!.KP>,O!PR'?2KXK
M,B^)P/T:BT.R8MEKY]>;>7EVR+P<,B^'S,LA\W+(O-P=J=%C9V']PRVRL^3-
M3\G+TY].WO]Z?C><1B>5#X#T@=L^_,&W):%-BX#D<^7\T/H:31'/HP@FRI5!
M,R'L>XCYOG,&DR5UM!5;S$HV@L6B<7#7H=^R#_D#D//*DQ,6YQ/Z=X;=HN]Q
M#9BHCMD/68*P[8N&IM.)P&TQ7M41_J[&'S."0JV*C\X,0=18DYM WAQ<;@C_
M:6F>QM*>PT]W5*Y\JQ$E)"+2;7_RF!'F$9,*7%? "RFG$/4*X&I'3]D]^5&L
MZI?.%KF3<5G,DBRJ@3H8(E,&2@[<@*44R+0 8.@I2,$(+ZI PK*[!)LWKDG?
M)H\>P]I'4-%\-AL.)M?7(GUGP?+/[OM/'B9]*MBL*0M%*M%H9Q"NW+C7%,@E
MRB2D7M,"_!Z(_0=4K<'K0YB?65!4_(&\JAPZ=\TL%L,GD"2-(G&)GYW" 1I4
M[3V"T<4PP<4*.HT,"70>^K?P"XR7@32G4)L- 5&D5P6WCZIL!R#9QVXES.YD
M!2YG.!Y*+*\'QC6"$SOPWI>(FH9QX: CG">5&Q9W;J]H#./2AO,;O@5PJA%=
M'?WHD"N7W4%YYVK;5(2ECZBBH-]GZ--"5#)L@OD-@G%)RH-UFMT,K[*2$@T@
M)$T<[!JQ"./94@&T9(YA+(\ '0 8')VW+YV7'%64#*)O058"_Q2D"F4/^:__
M,VORRQID.7ZB^-(-_]% U=UDL9:)6]1N&TPG[@3& !6\?[DNZ.B2^:,?I2B<
M5'U2_"TD"(7\_,;(9Z=FIP-]>RN4%2V:#+BRVNL^Z1Z'?D1GXR*#8FP0EP(6
MOLR=HAW5QJ\(A%OD*THI,8F!IQKTP%Q%)A-"6)X @85Y5GV (-2" Q@]:D%5
MI "JO"ZC PT>9;]75$2Y /\.VX',>EE7-\5V[7''K'2/VL7\.*L!DOI#FP8A
M]4W&GD+<C2GC6)H7312AULLKEH/F/)X)J\%,U4VJ"B4H)[HLVG71MI1RV+K!
MSF[8(&F+CR"?_.RA,M&7>;5T+<>KPD0[(1&))?X45E&Q"(Q[N36V*C0!*440
M&"Z]4K@WKPF>?-?DVED0:E$DBVW;U6XK5*E4"0*RH0$U*9]FE$.*CA09Y4U]
M#;AZ^!UD*.DL@$NSTQBJ^:WH.3/SA@;-K* T14BO_#;*EK]O20H-KQ99#QVO
M('?W*,WE\DYNB-4,,I1 S6BT(7X&$$'%_)\G6V=6"+<_V"4Y4NG;=4FTG\3D
M@"(%/$NX_J1B1O+=F*\:$\NU!]N?-;=)=&J#&;_UW"I!)<7DN;OA@8.L&E>D
MUW7[,REV")FS)"'>F3]P"C%K!9]#<+3053TX6V! &X[&XW7HR5-O(<0!'*WN
MFP^V&X&G]%L;-P]2)8J!8TT[KZPU<#TL];"//T%/17L:VI-"*RK=L8X=\\<:
M'VIL[#XC8_=.MN+%R)VOWH+/2AK!ECX01P41!<OE+N\^F M*YCXN../P'X\>
MI@\?XO]K+E4L:KI1U$_)%HN\S!N=SV&5%V)<:*.U1/VS5.<VI:164;8D\M5#
MJ,SSFYH+P,V]=-&X108.4E$O@XSR.'@"4R,MIN4[IAU"BQ>E+_H' AH47@T1
M6T5+B9HUZWV#:D&]XZ]%L\ &M7 V[+8,NNP51]2%3X-QA&3U&@F/K*TS2\)Z
M2^C7[FGVH0IWH.^99NLS!D_UB1W>E![GTK<KS=>,;_-5)D2^/21$#@F10T+D
MD! Y)$3NKA3E<A:4Q0,2IG0&*@G=M6J<>C"RB2NO$4PB5R%I(EO=K^F$/&#B
MHINC_41Z;2PI1>$>@CB[O[C[[]+] <-($ 7$R*#8.](F;1*:G_!Y>(GK/7QX
MP3#L-+R$X0W_+=\7<ISS2W?10\@2Q0S < *;X0H\:@71:)4Q [#1&5,3!8#
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M4F>T'#UZ&*,1,\\BL<J*XQ8K%5+$HG=?1Z7UW^05.N.MH"HTRZ$;(QJ)Z;4
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M<?W'?'F<?S_G@6D:YPA?U!@%CYDVMMN8<<,<"2L<"GC;JX1*-=0M-X&LY&%
M*!(^&HN/\-&2L_XDM5O1DI8U$#&_'[UVJI(@C%P?1W0S0[_QK":6:@-#'8Y9
MC/V*AHFT@_$)_=7-9\F.]3-<@IQ)]4GS2&$"I[%EJN7J5^-&30C36;F79@@(
M]8#;R)EY#PM5OCU.7D $M_1"*N^K(8V51D'[7#"\; A+D+?[%R7-[0+?F9"^
M;^>640^<"I_9QMH!<XOYMKIU%SB<XO<QEOS=<?(;R%MDF-(^Z]Q5BF?N2TBQ
MU#>VSI4 OV"Z9M;PM#*R\QR5:M;^B4MYCCMB2H25N$U#;U&"<ME,FG-HW0RW
M*[?2ZZ9/$15#.O!$NL<3_FE%V1Q\]=; -R#SW=47%,>EJA\WK.L*;MX=KXP"
MI[3Q8?Z$0\XUW#E"IZ[H%4'-K&<6!"UD,\%+H=1'P%<][%6O3C"$E%%U'J7O
M;6$29&?,K&"6S3TTWP9IF+;V\X6&23!A$7-Y !_3VY!H[ZB8=.G-,&$2U)1-
MN#FUS*+N'^!CY&/DJ>8?-WG5LOMHZI0(?@,E2FV]*!!5A?,.?HU'L_A58'7,
MLGG-ZM\&K9]#Y3_=-]F 6A5J>'VZS4R@SO:\;JI<IBPL5HW,DM\[@YEXM?)I
M1JJ_O,3U!@@P$I5NH0-;O+CHU]J*\2W:>TU?W2Y% Q]5JXEB$#.;=J;Y MN0
MGK+R$/5]$)W](ZE$;5%_G$,!N%-S(EX8*']IP]D'P//=Y/?"P?40"IW"&L
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MRJ!:BC*_ E/%G(9Y61+%\FH%^QX6>HXT/)+6D7/0[0G&\J[L[PJ *WK.'#<
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MAADA\>W&)*\"(_\HFQ-9*XM1ZLB0=N*E%^>>>5@O='"38R_5\Y#HZ\B[ 8!
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M>OD)XVN+HG%+M\78&APN-S4S>_&8[UYHJ822M/[<PJJYD![30UMDF$%Q3(A
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M*^SAYN%"FLX&H@G<I$DAD N1XR&J8*49$[S"\AFF]8XT<UVW2A#%J1[('1<
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MZOGWVY'B ,$?SWUA]3"-JV1-=;_<IB::L*P1[QK[I3H;<+65F<EP<^6OB$G
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M=$(%!/LY)P14ROXJ9/?,F.#$02*G4X(A+$L?PW: &$D7=E?W%:?*!7#/9E[
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M)V&D(6@XA?E'L(9%.2>_T-1YI9$-S]! QCYY(V6X*]AE;RV47$_IV%89;T)
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M^K#X2U=-G-<&\)$7*; %>FMKT)BNO.7"LL=N0G1C>P6M=I0*VA?J&ZN NF6
MK>@ &^G)[DWGR *.M3=?K$"W#;'FE,BBJ6 [E$XG/=R]%26;_]!S%>HC9:CL
MK$)EK_>M?N<3_[$[>C<;_U!+ P04    " #;0T98L0OF(I>2  #^20, $0
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M__^]%'QE4O#S#4;O*] &)49A7V473Y/_:U47S:0@I,+3Y*^\7.5/$_9ET=2
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MU=KV0=)D733_RPC(R2C(HG6#ZD923G*X6QKY),8^DUE^BL[%.1BHDW0X %\
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M!.]7P+0L\L,+GZY62F% ]_.L):C!E\U@_!MDJSLC)X5&VU@&V0#W9N]R" Y
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M,(5^&M7;RN/UI([A7'/NV$=\>89>==&+S(2O_*ZD\ZJ^96QAD3@![=;U9@:
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M@#J0X?6ILX@2<QK.!NW[(:7<5 $]*//1WI#[5YQ'_ND^CWQ;-U0?!>6&:RI
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MO>?6%2HM&@4"WP^>-4R)-5FZ'1YOM:3'62FMI5!I(7BKF' #@Q(1G6#NHVG
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MT:(F0*][E?/1IP@_S';.=73\&615(F5-D?FT&Q[R_9]@,>%LG5"I7!,4RLQ
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M8UQ2#_M*KW<)@"V%T&81;/$27N(V$0!3,3N)%1&_A&!;+:CGX8S=H@S:\W1
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M0AW__( T_26VA2<UU;2CQ)WDF06P1(>8DNDK'3R_QK>C7)KEB0(^S7FE<H0
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MZJOMH]V?W8MO^C\>;/T74$L#!!0    ( -M#1EBE:)P)65T  " ^ @ 1
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MOPUVV3ZS>L1F$24JB:<US:P%*>J"K]N)1C8KC3&,QCN8PG5%K2^P^P7]AZ>
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MF5Y&%&A6\K2J1<>0D_"?P-NHWHM2GXR,W"?*#TB 8F,P. SD, JN-[+N^Z;
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MGHWV."&K<NSC!/N.6<A*-;/).JV-E6E]AE,6PL;'(1;#;["6>GOKA:K).F8
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M!0=EO9$C[XCNS0029 ]L'EGQ;VYCQQVH$-+&T0WT.['X$L=DAJ$_17^KO(1
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M<1'>[WK]WL$G[TOO]/Q/[U,?)G5"_WG_IS<X/>W_?G+0>W_T)TW[ZS$LP^$
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M2HY*1+=-@P56>>T81D/.,"+OI%J_:(8%H; HTR5CK#E.JNLJ-Z!@!QAP(J)
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MB?R[;6;=IG%V-LXT#F2H.WX.JRZ9^1^Q'Y$8VFA9S7-L3(E19[&-S3M,?+;
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M^(M:K: C3@[_A%]^.O]\].[_!U!+ P04    " #;0T98D2]E;C,,  #M(0
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M7C Z\[NL+##BGZ4T(O K-*,):_J2;$L[>@V\U 1QQ!=8VF(?@ $53*JQBK0
M%JV3KO3<'!3R.+="J6 -4DT"$U'RT?(\('C6" 9;"!/%B^Q!1J$_W_#:IC)
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M!C<F# V-?J &D&[:7,PB(U\>$M4A(/PW!R\6Y'#O]>57#/K_YO$O4$L#!!0
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M.Q1N&&:V/<W]S7CJNZMNZ]#GOU!+ P04    " #;0T98L<YH%'H&  "Y1@
M%    '9E;"TR,#(T,#(P-5]L86(N>&ULS9QO;]LV$,;?%^AWN'EO-J"R8V4H
M4*-ID3G)$"QI@L;=A@U#(4N,34PF#5*.[6\_4G\:.:9D*CQ5>=%6D>Z>NT?Y
MG<I(<MY_W"QB>"!"4LY.>L/^40\("WE$V>RDMY)>($-*>R"3@$5!S!DYZ6V)
M['W\\/K5^Q\\#\XN+C^!!_,D6<K18+!>K_O1/662QZM$2<I^R!<#\+PB?CSY
M G]DY4;PF<0DD 06@4R(@%]7-(Y&_I%_/#P:^GV_G"9(H/4@"A(R G_P=J#B
M?H'AT>C('_EOX?0:SE,5!A.Z(.54OMP*.ILG\%/X,Z199YPQ$L=D"Q>4!2RD
M00QW1<=OX)*%?3B-8_BLTZ1J4Q+Q0*)^KAI3]M](_S75S</K5P#J+#*9[COI
MZ7.1GXK-5,1]+F:JV:/C09'2>\S8[*6LC].$X;MW[P;IT7*TI*98)3X<_'5]
M=1?.R2+PU-E7WZTP+R/I2*;[KWB8GD*+!J$R0G_E%6&>WN4-?>]XV-_(J/=!
M%\S/3C E\97:@M3#2/"8U!36A]/JO3P^V2Y5/-DDA$4D5_ZFS<,\:B[(?::J
MV4LE)0G[,_XPB C5A!SK#4]OZ Y_5%]\'7.%^^E4)B((D]UZL3Y%7!0[4Q,G
M/4/28+<A'7<JPAVM0(2%CMH\X#^/&(1<?=^6B9<J%NGW@B^,7>3EN.'@UW@:
M&]O4)*DM/=V$>5_N#GG-A,K&!)%\)11>3;ZUJ9\/J3+\4VC_^W[P6/NEM*HN
M(9)<->W7#<G3A<)<_4DNXF!FB^23I(Z0-+?.#0==D#0((2'Y31FTM#.0+31:
M!M*V6S<<SUE"D^U8E1%!?*DNP)O?R=86RXKDCO"LM\)K@EQPK1%$PC:K 'D)
M2&N *N(,<(NMET%NWK\;TF<\7.FYF:CN;4G>S>D(8&/C?/^8"Z[[.DB4%L*@
ME9W1Q&^S3*1EKS@8WA)!>73.HC/UXTQ3'I\D=PRFV0JO"<) U2"(S6Q6 E0-
MT$70\&VA=2/'UOUC+!8^DQG5BV26? H6UD2;<SM=*E08X=4Q[@L%DQ[N.N&Q
M N@22*N$-OHV+!*LF\< ^9*%7"RY2&^5W"5J<,9\I18IVS&/&G)]0*I3S.UL
M<NL4]R&PD,>=B9V"D%:$O"3HFDA#\AU\&6;F^>8PANB"QN33:C$EHMG$E/,Z
M'0^# 6X^[@[^4RU<RK4Z9/)(0&/W:Z#7JFD,4"?!YC)2BR5Z3[.;X\^AME*D
M4X0/6>,6P>YPUPKCDJY*P6XM7.Y;M6(8@F?XP1B)TRA2!F3^SQ5E9-AL'(P"
MG8Y"G25^(-!]!"I%<?'/]=\4&Z KP0W#6L>T9L. _C.\M(.^[XJ^_^+0]VW1
M]]M W_]^Z$_6O#7TD6Q8HU_K!1']L=J\$1.^9L\"OYS^$K WV#%!_QB&AOQ3
MR9: UV6 "]"%<&''-E"'NIT+1,S3GX=OQ*W@#Y2%#6_K5&F\!."KC)FH?Q*+
MAKY1MR7^LQL;"IVB&NX0M&*E;A(:^$$<AULNDR#^FRZ;W^,T*[R$43";,@W"
M3B3:&!A46QJ"K!*H4ICW+=NS43< UEX<WP'4!@4)F@"_F]/5&X"FQOG^,:?W
M__9TD,!-_Y_7RCB<XO>Y\^Z?9;-N(.J7<N/;.6<-[Y?OYW4$9*4!;C[N J99
M"PG.5!Q2=:S[ANWT6X:T2=-NH/XI:)(0-N:+Q8KE]R.E+:T5R1TA6V^%UP2Y
MP%LCB$1P7@%V2SA3W&+C992;=N^&\QV/:4@3RF;7:L4M:!#;LFS*[ CD&A.\
M*L(%X2HU)'X?Y:'0=X:WK9;+Y#;JVPW;6T'T?!"%1?HFI/YTC+BYO[=?.-0I
M=(2QA2E^*-(%ZT.J2'BK,E"N UDA2"LY@]ZVB3+PSW2"BOZEE"LBW ? H/,R
MQJ#:H'D8]N(11Z)"NZW!R,JU.A\M.:J=DD:V')<W)%RI]=1VZ$\G-(FM[W'L
MYW6UM*DRP,W'G98U1BVL14TN#DH=4GGW-4TK_>ZL:!HT[0;J1 3ZH^9WV\64
M6R_!GR1UA*BY=6XXZ *G00B)S%P9,FEG*EMHM(RD;;<XU\WS33A7;DF3#S.8
M<SN^?AJ-\.H8C.OHOA[VM;2H@/-AAO;Z-EY3+9O'>+YWOB!BIJ;F-\'7R5PM
M1I8!:_A!W@J)3I_PU=OB!T/=G_'5R"*QGC\8*PI!5@GR4DC/^%JT87C(9^NE
MO.-*;>E?N9+OHMDO'E%[_@=02P,$%     @ VT-&6*^8>:'$!   3BP  !0
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M-#4V-C=D97@Q,#$N:'1M4$L! A0#%     @ VT-&6+$+YB*7D@  _DD# !$
M             ( !K( ! &0W-#4V-C=D97@Q,#(N:'1M4$L! A0#%     @
MVT-&6*5HG E970  (#X" !$              ( !<A," &0W-#4V-C=D97@Q
M,#,N:'1M4$L! A0#%     @ VT-&6)$O96XS#   [2$  !$
M ( !^G " &0W-#4V-C=D97@Y.3$N:'1M4$L! A0#%     @ VT-&6''=94U"
M P  80L  !               ( !7'T" '9E;"TR,#(T,#(P-2YX<V102P$"
M% ,4    " #;0T98L<YH%'H&  "Y1@  %               @ ',@ ( =F5L
M+3(P,C0P,C U7VQA8BYX;6Q02P$"% ,4    " #;0T98KYAYH<0$  !.+
M%               @ %XAP( =F5L+3(P,C0P,C U7W!R92YX;6Q02P4&
/  @ " #Z 0  ;HP"

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>20
<FILENAME>d745667d8k_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2023"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="vel-20240205.xsd" xlink:type="simple"/>
    <context id="duration_2024-02-05_to_2024-02-05">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001692376</identifier>
        </entity>
        <period>
            <startDate>2024-02-05</startDate>
            <endDate>2024-02-05</endDate>
        </period>
    </context>
    <dei:AmendmentFlag contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-323">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey
      contextRef="duration_2024-02-05_to_2024-02-05"
      id="Hidden_dei_EntityCentralIndexKey">0001692376</dei:EntityCentralIndexKey>
    <dei:DocumentType contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-334">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-335">2024-02-05</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-336">Velocity Financial, Inc.</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-337">DE</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-338">001-39183</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-339">46-0659719</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-340">30699 Russell Ranch Road</dei:EntityAddressAddressLine1>
    <dei:EntityAddressAddressLine2 contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-341">Suite 295</dei:EntityAddressAddressLine2>
    <dei:EntityAddressCityOrTown contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-342">Westlake Village</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-343">CA</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-344">91362</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-345">(818)</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-346">532-3700</dei:LocalPhoneNumber>
    <dei:WrittenCommunications contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-347">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-348">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-349">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-350">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-351">Common stock, par value $0.01 per share</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-352">VEL</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-353">NYSE</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany contextRef="duration_2024-02-05_to_2024-02-05" id="ixv-354">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
