<SEC-DOCUMENT>0001564590-21-000178.txt : 20210104
<SEC-HEADER>0001564590-21-000178.hdr.sgml : 20210104
<ACCEPTANCE-DATETIME>20210104165128
ACCESSION NUMBER:		0001564590-21-000178
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20201228
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:		20210104
DATE AS OF CHANGE:		20210104

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			GAIA, INC
		CENTRAL INDEX KEY:			0001089872
		STANDARD INDUSTRIAL CLASSIFICATION:	SERVICES-MOTION PICTURE & VIDEO TAPE PRODUCTION [7812]
		IRS NUMBER:				841113527
		STATE OF INCORPORATION:			CO
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-27517
		FILM NUMBER:		21502406

	BUSINESS ADDRESS:	
		STREET 1:		833 WEST BOULDER ROAD
		CITY:			LOUISVILLE
		STATE:			CO
		ZIP:			80027-2452
		BUSINESS PHONE:		3032223600

	MAIL ADDRESS:	
		STREET 1:		833 WEST BOULDER ROAD
		CITY:			LOUISVILLE
		STATE:			CO
		ZIP:			80027-2452

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GAIAM, INC
		DATE OF NAME CHANGE:	20080519

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GAIAM INC
		DATE OF NAME CHANGE:	19990701
</SEC-HEADER>
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<DESCRIPTION>8-K - DECEMBER 2020 - REFINANCE
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&#160;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&#160;</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&#160;</p></td>
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<td valign="top">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;">&#160;</p></td>
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<td valign="top">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Segoe UI Symbol;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000017" name="dei:PreCommencementIssuerTenderOffer" contextRef="C_0001089872_20201228_20201228" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric> <span style="font-family:Times New Roman;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</span></p></td>
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<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;">&#160;</p>
<p style="text-align:center;margin-bottom:6pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Securities registered pursuant to Section 12(b) of the Act:</p>
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<td valign="middle" style="width:40%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&#160;</p></td>
<td valign="middle" style="width:19%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&#160;</p></td>
<td valign="middle" style="width:41%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&#160;</p></td>
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<tr>
<td valign="bottom" style="padding-left:1.5pt;padding-Right:1.5pt;padding-Top:1.5pt;padding-Bottom:1.5pt;width:auto;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Title of each class</p></td>
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<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Trading Symbol(s)</p></td>
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<p style="margin-top:9pt;margin-bottom:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;&#8201;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;&#8201;240.12b-2 of this chapter).</p>
<p style="margin-top:9pt;margin-bottom:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Emerging growth company&#160;&#160;&#160;<span style="font-family:Segoe UI Symbol;"><ix:nonNumeric id="F_000018" name="dei:EntityEmergingGrowthCompany" contextRef="C_0001089872_20201228_20201228" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span></p>
<p style="margin-top:9pt;margin-bottom:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. <span style="font-family:Segoe UI Symbol;">&#9744;</span></p>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">Item&#160;1.01</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:4.5pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;"><span style="Background-color:#FFFFFF;">Entry into a Material Definitive Agreement.</span></p></td>
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<p style="Background-color:#FFFFFF;margin-bottom:6pt;margin-top:6pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">On December 28, 2020 Gaia, Inc. successfully completed the refinancing of its corporate campus, reducing the interest rate from 5.75% to 3.75% per annum. </p>
<p style="Background-color:#FFFFFF;margin-bottom:6pt;margin-top:6pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Boulder Road LLC (&#8220;Boulder Road&#8221;), a wholly-owned subsidiary of Gaia, Inc. (&#8220;Gaia&#8221;), and Westside Boulder, LLC (&#8220;Westside&#8221; and, together with Boulder Road, &#8220;Borrower&#8221;) entered into a loan agreement (the &#8220;Loan Agreement&#8221;) with Great Western Bank, as lender, providing for a mortgage loan in the principal amount of $13 million (the &#8220;Loan&#8221;).&#160;&#160;The Loan bears interest at a fixed rate of 3.75% per annum and matures on December 28, 2025. Principal and interest on the Loan is payable in equal monthly installments of $66,837. Westside and Boulder Road each received 50% of the Loan and will be responsible for 50% of the monthly installments. The Loan is secured by a deed of trust, assignment of rents, security agreement and fixture filing on Gaia&#8217;s corporate campus in Louisville, Colorado, a portion of which is owned by Boulder Road and Westside as tenants-in-common and the remainder of which is owned by Boulder Road.&#160;&#160;Borrower may prepay the Loan, in whole or in part, at any time, subject to a prepayment premium if the Loan is refinanced with another financial institution within three years. The Loan Agreement and related documents evidencing and/or securing the Loan contain customary terms and conditions, including customary events of default and remedies of the lender.&#160;&#160;Pursuant to an unconditional guaranty of payment dated as of December 28, 2020 (the &#8220;Guaranty&#8221;), Gaia guaranteed the Loan plus any additional amounts for which Boulder Road and Westside may be liable to the lender. Gaia used a portion of the net proceeds from the Loan to repay a $4 million loan from an affiliate of Westside Boulder on December 29, 2020. Gaia will use the remainder of its portion of the net proceeds for general corporate purposes.</p>
<p style="Background-color:#FFFFFF;margin-bottom:6pt;margin-top:6pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The foregoing descriptions of the Loan Agreement and the Guaranty do not purport to be complete and are subject to and qualified in their entirety by reference to the full text of the Loan Agreement and the Guaranty, which are filed as Exhibits 10.1 and 10.2, respectively, to this Current Report on Form&#160;8-K and are incorporated herein by reference.</p>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">Item&#160;2.03</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:4.5pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement.</p></td>
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<p style="Background-color:#FFFFFF;margin-bottom:6pt;margin-top:6pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The information set forth under Item 1.01 is incorporated by reference.</p>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">Item&#160;9.01</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:4.5pt;;text-indent:0pt;;font-weight:bold;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">Financial Statements and Exhibits.</p></td>
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<p style="margin-bottom:5pt;margin-top:5pt;border-bottom:Solid 1pt #000000;padding-bottom:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:8pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description&#160;of&#160;Exhibit</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a href="gaia-ex101_6.htm"><span style="text-decoration:underline;">Loan Agreement dated as of December 28, 2020 between Boulder Road LLC and Westside Boulder, LLC as borrower and Great Western Bank as lender</span></a></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a href="gaia-ex102_7.htm"><span style="text-decoration:underline;">Unconditional Guaranty of Payment dated as of December 28, 2020 between Gaia, Inc. as guarantor and Great Western Bank as lender</span></a></p></td>
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<p style="text-align:center;margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">SIGNATURES</p>
<p style="margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</p>
<p style="margin-bottom:10pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-weight:bold;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">GAIA, INC.<br /><span style="font-weight:normal;"><br /><br /><br />By:&#160;&#160;</span><span style="text-decoration:underline;font-weight:normal;">/s/ Paul Tarell</span><span style="text-decoration:underline;font-weight:normal;margin-left:36pt;"></span><span style="font-weight:normal;"><br />&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Name: Paul Tarell <br />&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Title: Chief Financial Officer</span></p>
<p style="margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Date: January 4, 2021</p>
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<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">EXHIBIT 10.1</font></p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">LOAN AGREEMENT</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">This Loan Agreement (&#8220;<font style="font-weight:bold;text-decoration:underline;">Agreement</font>&#8221;), dated as of December 28, 2020, is by and among <font style="font-weight:bold;">BOULDER ROAD LLC</font>, a Colorado limited liability company (&#8220;<font style="font-weight:bold;text-decoration:underline;">Boulder Road</font>&#8221;), <font style="font-weight:bold;">WESTSIDE BOULDER, LLC, </font>a California limited liability company (&#8220;<font style="font-weight:bold;text-decoration:underline;">Westside</font>&#8221;) (Boulder Road and Westside are collectively referred to herein as &#8220;<font style="font-weight:bold;text-decoration:underline;">Borrower</font>&#8221;), and <font style="font-weight:bold;">GREAT WESTERN BANK</font> (&#8220;<font style="font-weight:bold;text-decoration:underline;">Lender</font>&#8221;).</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">RECITALS:</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">A.</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">Borrower owns the four-building office complex located at 833 West South Boulder Road, Louisville, Colorado, more particularly described in </font><font style="text-decoration:underline;color:#000000;">Exhibit A</font><font style="color:#000000;"> attached hereto (the &#8220;</font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Real Property</font><font style="color:#000000;">).</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">B.</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">Borrower has applied to Lender for a mortgage loan (&#8220;</font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Loan</font><font style="color:#000000;">&#8221;) in the aggregate amount of Thirteen Million and No/100 Dollars ($13,000,000.00).</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">C.</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">Lender has agreed to make the loan on the terms and conditions stated herein.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">NOW, THEREFORE<font style="font-weight:normal;">, for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree as follows:</font></p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">AGREEMENT</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">Section 1.</font><font style="font-weight:normal;margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Definitions</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The following words shall have the following meanings when used in this Agreement.&nbsp;&nbsp;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Advance</font>&#8221; or &#8220;<font style="font-weight:bold;">Advances</font>&#8221; shall mean a disbursement or disbursements made pursuant to the terms of this Agreement.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Agreement</font>&#8221; shall mean this Loan Agreement as may be amended or modified from time to time, together with all exhibits and schedules attached to this Agreement from time to time.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> &#8220;<font style="font-weight:bold;">Approved Leases</font>&#8221; shall mean (i) the Master Lease Agreement, (ii) the Gaia Lease, and the (iii) Fit For Life Lease, and any other lease hereafter approved by Lender as provided herein.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Buildings</font>&#8221; shall mean the existing buildings situated on the Real Property.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Business Day</font>&#8221; shall mean any day (other than a day which is a Saturday, Sunday, or legal holiday in the State of Colorado) on which the Lender is open for business in Denver, Colorado. Any reference to &#8220;days&#8221; means calendar days. </p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Cannabis</font>&#8221; means any material, compound, derivative, mixture, product, or preparation that contains any quantity of the substances listed on Schedule 1 of the Controlled Substances Act or in its implementing regulations, including without limitation 21 C.F.R. &#167; 1308.11 as &#8220;Marihuana&#8221; or &#8220;Tetrahydrocannabinols,&#8221; or which contains any of their salts, isomers, salts of isomers, or any derivative or mixture thereof or any synthetic equivalent or controlled substance analogue hereof.</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;</font><font style="font-weight:bold;">Change in Control</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221;</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> shall mean (</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">i</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">) any event in which </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Guarantor </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">is no longer the sole manager </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">and member </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">of Bo</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ulder Road</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">, </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">or </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(ii) any event in which </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">the James P. </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Argyropoulos</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> Trust dated August 8, 1991 </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">no longer owns one hundred percent of the membership interests in </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Westside</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">.</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;&nbsp;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Closing Date</font>&#8221; shall mean the date of this Agreement.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Collateral</font>&#8221; shall mean the Real Property and all related leases and rents, the Operating Account, all other assets and personal property of Borrower, and all other real and personal property in which Lender has obtained a lien, security interest, or assignment as described in any and all of the Security Documents.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Commitment Amount</font>&#8221; shall mean $13,000,000.00 regardless of the amount actually disbursed.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Condominium Documents</font>&#8221; shall mean the condominium declaration and condominium plat for Boulder Road as recorded in the real property record of Boulder County, Colorado. </p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Contingent Liability</font>&#8221; and &#8220;<font style="font-weight:bold;">Contingent Liabilities</font>&#8221; shall mean, respectively, each obligation and liability of the Borrower and all such obligations and liabilities of the Borrower incurred pursuant to any agreement, undertaking, or arrangement by which the Borrower:&nbsp;&nbsp;(a) guarantees, endorses, or otherwise becomes or is contingently liable upon (by direct or indirect agreement, contingent or otherwise, to provide funds for payment, to supply funds to, or otherwise to invest in, a debtor, or otherwise to assure a creditor against loss) the indebtedness, dividend, obligation, or other liability of any other Person in any manner (other than by endorsement of instruments in the course of collection), including any indebtedness, dividend, or other obligation that may be issued or incurred at some future time; (b) guarantees the payment of dividends or other distributions upon the shares or ownership interest of any other Person; (c) undertakes or agrees (whether contingently or otherwise):&nbsp;&nbsp;(i) to purchase, repurchase, or otherwise acquire any indebtedness, obligation, or liability of any other Person or any property or assets constituting security therefor, (ii) to advance or provide funds for the payment or discharge of any indebtedness, obligation or liability of any other Person (whether in the form of loans, advances, stock purchases, capital contributions, or otherwise), or to maintain solvency, assets, level of income, working capital, or other financial condition of any other Person, or (iii) to make payment to any other Person other than for value received; (d) to lease property or to purchase securities, property, or services from such other Person with the purpose or intent of assuring the owner of such indebtedness or obligation of the ability of such other Person to make payment of the indebtedness or obligation; (e) to induce the issuance of, or in connection with the issuance of, any letter of credit for the benefit of such other Person; or (f) to assure a creditor against loss.&nbsp;&nbsp;The amount of any Contingent Liability shall (subject to any limitation set forth herein) be deemed to be the outstanding principal amount (or maximum permitted principal amount, if larger) of the indebtedness, obligation, or other liability guaranteed or supported thereby, provided that the amount of any Contingent Liability with respect to an indebtedness, obligation, or other liability as to which a guaranty or support has a stated limitation shall be deemed to be the amount of such stated limitation.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Debt</font>&#8221; shall mean, as to any Person, without duplication, (a) all indebtedness of such Person; (b) all borrowed money of such Person (including principal, interest, fees, and charges), </p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">-2</a>-</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">whether or not evidenced by bonds, debentures, notes</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">,</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> or similar instruments; (c) all obligations to pay the deferred purchase price of property or services; </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(d) </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">all obligations, contingent or otherwise, with respect to </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">the maximum face amount of </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">all letters of credit (whether or not drawn), bankers</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8217;</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> acceptances and similar obligations issued for the account of such Person</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">,</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">and all unpaid drawings in respect of such letters of credit, bankers</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8217;</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> acceptances</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">,</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> and similar obligations; (e) all indebtedness secured by any Lien on any property owned by such Person, whether or not such indebtedness has been assumed by such Person (provided, however, if such Person has not assumed or otherwise become liable in respect of such indebtedness, such indebtedness shall be deemed to be in an amount equal to the </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">fair market value of the property </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">subject to such Lien</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> at the time of determination</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">); (f) the aggregate amount of all </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">c</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">apitalized </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">l</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ease </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">o</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">bligations of such Person; (g) all Contingent Liabilities </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">of such Person, whether or not reflected on its balance sheet;</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (h) </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">all indebtedness of any partnership of which such Person is a general partner; and (</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">i</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">)</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> all monetary obligations of such Person under </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">a</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">) a so-called synthetic, off-balance sheet or tax retention lease, or </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">b</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">) an agreement for the use or possession of property creating obligations that do not appear on the balance sheet of such Person but which, upon the insolvency or bankruptcy of such Person, would be characterized as the indebtedness of such Person (without regard to accounting treatment)</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">.&nbsp;&nbsp;</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Notwithstanding the foregoing, Debt shall not include trade payables and accrued expenses incurred by such Person in accordance with customary practices and in the ordinary course of business of such Person.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Deed of Trust</font>&#8221; shall mean the Deed of Trust, Assignment of Rents, Security Agreement and Fixture Filing of even date herewith encumbering the Property given by Borrower for the benefit of Lender, as the same may be amended to modified, extended, renewed, restated, or supplemented from time to time.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Default Rate</font>&#8221; is defined in Section 8(c) hereof.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Environmental Indemnity Agreement</font>&#8221; shall mean the Environmental Indemnity Agreement of even date herewith, executed by Borrower and Guarantor, <font style="letter-spacing:-0.15pt;">in a form acceptable to Lender,</font> <font style="letter-spacing:-0.15pt;">indemnifying Lender against all environmental risks and liabilities.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Event of Default</font>&#8221; shall mean and include any of the Events of Default set forth below in Section 7 hereof.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Gaia Lease</font>&#8221;) shall mean the Lease Agreement dated as of April 1, 2019, between Boulder Road, as landlord, and Gaia International Inc., as tenant, as amended.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Governmental Authority</font>&#8221; shall mean the governmental or quasi&#8209;governmental agency or board having zoning and land use authority over the Real Property, including but not limited to, the City of Louisville, State of Colorado.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Guaranty</font>&#8221; shall mean the Unconditional Guaranty of Payment executed by Guarantor.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Guarantor</font>&#8221; shall mean Gaia, Inc. a Colorado corporation. </p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Improvements</font>&#8221; shall mean the Buildings and all other buildings, structures, improvements, and fixtures located on the Real Property.</p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">-3</a>-</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;</font><font style="font-weight:bold;">Initial</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </font><font style="font-weight:bold;">Approved Appraisal</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221; is defined in Section 3.3.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">KYC Information</font>&#8221; means all documentation and information necessary (including, without limitation, the name, address, tax payer identification number, IRS Form W-9, copies of organizational documents, copies of government issued identification, addresses and names of officers, beneficial owners, and controlling members of each Loan Party) for Lender to identify each such Person in accordance with any applicable anti-money laundering laws and anti-terrorism laws and the requirements of the Patriot Act (including the &#8220;know your customer&#8221; and similar regulations thereunder) and the customer due diligence requirements for financial institutions regulations of the Financial Crimes Enforcement Network, a bureau of the United States Treasury Department (31 C.F.R., Subtitle B, Chapter X, as amended), or any enabling legislation or executive order relating thereto.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Lender</font>&#8221; shall mean Great Western Bank and its successors and assigns.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Loan</font>&#8221; is defined in Recital B above. </p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Loan Documents</font>&#8221; shall mean collectively this Agreement, the Note, Deed of Trust, Guaranty, the Subordination Agreement, all other Security Documents, and any other document now or hereafter evidencing or securing the Obligations, all as may be hereafter modified or amended excluding the Environmental Indemnity Agreement.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Loan Expenses</font>&#8221; shall mean all reasonable, out-of-pocket expenses, charges, costs, and fees of Lender referred to or necessitated by the terms of this Agreement, including without limitation, all recording and registration fees, charges and taxes, title insurance charges and premiums, reasonable documented legal fees and disbursements of counsel for Lender, documentation and processing fees, commitment fees, costs of surveys, environmental audit expenses, fees of any architect or engineer and other professional retained by Lender in connection with this Agreement, costs of premiums on surety company bonds, and appraisal fees and reasonable out&#8209;of&#8209;pocket expenses of Lender in administering this Agreement, regardless of whether incurred before or after the Closing Date.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Loan Fees</font>&#8221; is defined in Section 2.3 hereof.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Loan-to-Value</font>&#8221; shall mean the ratio of the Commitment Amount to the market value of the Property as stated in the most recent Approved Appraisal.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Master Lease Agreement</font>&#8221; shall mean that certain Master Lease Agreement dated September 9, 2020 by and between Boulder Road and Westside, as tenants-in-common, as landlord and Boulder Road as tenant, as may be amended, rested, modified, or extended as permitted herein. </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Material Adverse Effect/Event</font>&#8221; shall mean a material adverse effect on, or an event that has a material adverse effect on, (i) the Property, (ii) the business, results of operations or financial condition of Borrower and Guarantor, taken as a whole, (iii) the enforceability, validity, perfection or priority of the lien of the Security Documents, (iv) the ability of Borrower to perform its obligations under the Security Documents or the other Loan Documents to which it is a party, or </p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">-4</a>-</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(v) the ability of Guarantor to perform its obligations under the Loan Documents to which it is a party</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">; provided, however, that </font><font style="color:#000000;">none of the following shall be deemed, in and of itself, to constitute a material adverse effect on, or material adverse change in, the business, results of operations or financial condition of Borrower and Guarantor, taken as a whole: (y) a change in the market price or trading volume of Guarantor&#8217;s Class A common stock; or (z) a failure by Guarantor to meet any published securities analyst estimates of revenue or earnings for any period; or to report earnings in any quarter consistent with Guarantor&#8217;s historical earnings</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> &#8220;<font style="font-weight:bold;">Material Contracts</font>&#8221; shall mean the Tenants in Common Agreement, the Approved Leases, the Property Management Agreement, the Condominium Documents, and any other agreement which, if it did not exist or was terminated or cancelled, would have a Material Adverse Effect on the Borrower.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Maturity Date</font>&#8221; is defined in the Note.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Note</font>&#8221; shall mean the Promissory Note of even date herewith executed by Borrower and payable to the order of Lender in the original principal amount of the Commitment Amount as may be amended, modified, extended, renewed, restated, or supplemented from time to time.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Obligations</font>&#8221; shall mean any and all existing or future (a) obligations owed by Borrower to Lender under the Loan Agreement and other Loan Documents including, without limitation, the obligations to repay principal, interest, costs and expenses, and all other amounts due; (b) all other loans, advances, credit, indebtedness, letters of credit and other financial accommodations now or hereafter owed by Borrower to Lender; (c) all interest, post-maturity interest, default interest, interest accruing subsequent to the filing of a petition for protection under the United States Bankruptcy Code, costs, expenses, late charges, prepayment penalties, amounts advanced to protect Lender&#8217;s interest in the Collateral, and any other amounts chargeable under the terms of such loans, indebtedness or financial accommodations; and (d) the payment, performance and observance by Borrower of all obligations, liabilities, contingent reimbursement obligations, fees, and expenses owing by Borrower to the Lender or any of its affiliates arising out of any interest rate swap, hedge or collar agreements in connection with the Loan.</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:7.69%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Operating</font> <font style="font-weight:bold;">Account</font>&#8221; shall mean a deposit account opened with Lender and maintained by Boulder Road. </p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Person</font>&#8221; shall mean any individual, firm, corporation, limited liability company, association, partnership, joint venture, trust, other entity, unincorporated organization, or Governmental Authority.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Permitted Liens</font>&#8221; is defined in Section 6.2.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Property</font>&#8221; shall mean Real Property and all Improvements on the Real Property.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Property Management Agreement</font>&#8221; shall mean that certain Property Management Agreement dated September 9, 2020, by and between Boulder Road and Westside, as tenants in common, as Property owner, and Boulder Road, as property manager, as may be amended, rested, modified, or extended, as permitted herein.</p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">-5</a>-</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;</font><font style="font-weight:bold;">Real Property</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221;</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> is defined in Recital A above.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Security Documents</font>&#8221; shall have the meaning ascribed in Section 3.1 hereof.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">&#8220;Subordination Agreement<font style="font-weight:normal;">&#8221; shall mean the Subordination Agreement of even date herewith among Borrower and Lender to subordinate the Tenancy in Common Agreement and the Master Lease Agreement to the liens of Lender, to the extent set forth therein.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Tenants in Common Agreement</font>&#8221; shall mean that certain Tenants in Common Agreement dated September 9, 2020 by and between Boulder Road and Westside, as may be amended, rested, modified, or extended, as permitted herein.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Title Company</font>&#8221; shall mean Fidelity National Title Insurance Company.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-weight:bold;">Title Exceptions</font>&#8221; is defined in Section 3.5.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">Section 2.</font><font style="font-weight:normal;margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Commitment</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Subject to all of the conditions contained herein, Lender agrees to make the Loan available to or for the benefit of Borrower, and Borrower agrees to draw upon the Loan in the following manner and upon the following terms and conditions.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">2.1</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Maximum Amount</font><font style="color:#000000;">.&nbsp;&nbsp;In no event shall Lender be obligated to make an Advance under the Note if such Advance would cause the outstanding principal amount to exceed the lesser of (i) the Commitment Amount, or (ii) 68.1% Loan-to-Value ratio of the &#8220;as is&#8221; fair market value of the Property under the Approved Appraisal.&nbsp;&nbsp;Nothing contained in this provision shall limit or restrict Lender&#8217;s ability to make Advances in excess of the Commitment Amount for Advances permitted by Lender to be made in order to protect Lender&#8217;s interest in any Collateral or for any other purpose permitted herein.&nbsp;&nbsp;The Note is not a revolving loan, and amounts advanced may not be re&#8209;borrowed after being repaid.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">2.2</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Note</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;On the date hereof, Borrower has executed and delivered to Lender the Note payable to Lender.&nbsp;&nbsp;Interest shall accrue as provided in the Note, and principal and interest shall be payable as provided in the Note.&nbsp;&nbsp;If not sooner paid, the Note shall be due and payable on the Maturity Date.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">2.3</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Loan Fees</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;On the Closing Date, Borrower shall pay to Lender a non&#8209;refundable loan fee in the amount of $130,000.00.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">2.4</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Collateral</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;The Obligations shall be secured by a first perfected lien and security interest on the Collateral.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">2.5</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Availability Period</font><font style="color:#000000;">.&nbsp;&nbsp;Advances under the Loan shall only be made in a single Advance on the Closing Date. After the Closing Date, Lender shall have no obligation to make any further Advances under the Loan.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">Section 3.</font><font style="font-weight:normal;margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Conditions Precedent to Closing</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Lender shall have no obligation to make the Advance under the Loan on the Closing Date to pay Loan Fees or Loan Expenses or for any other purpose, unless all of the following conditions precedent have been strictly satisfied or waived by Lender.</font></p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">-6</a>-</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="text-decoration:none;Background-color:#auto;">3.1</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Loan Documents</font><font style="color:#000000;">.&nbsp;&nbsp;Borrower shall have executed and delivered </font><font style="color:#000000;">any and all</font><font style="color:#000000;"> documents and instruments requested by </font><font style="color:#000000;">Lender</font><font style="color:#000000;"> in a form and substance satisfactory to </font><font style="color:#000000;">Lender</font><font style="color:#000000;">, in </font><font style="color:#000000;">Lender</font><font style="color:#000000;">&#8217;</font><font style="color:#000000;">s sole discretion, to evidence and secure the Obligations, including without limitation, the following: </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(a)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">the Note; </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(b)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">the following security instruments (&#8220;</font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Security Documents</font><font style="color:#000000;">&#8221;):</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(1)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">the Deed of Trust;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(2)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">an Assignment of the Property Management Agreement; and</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(3)</font><font style="margin-left:36pt;color:#000000;"></font><font style="letter-spacing:-0.15pt;color:#000000;">any other documents Lender may reasonably request of Borrower as necessary, supplementary, or convenient to perfect Lender&#8217;s security interest in the Collateral; and</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(c)</font><font style="margin-left:36pt;color:#000000;"></font><font style="letter-spacing:-0.15pt;color:#000000;">the Environmental Indemnity Agreement </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(d)</font><font style="margin-left:36pt;color:#000000;"></font><font style="letter-spacing:-0.15pt;color:#000000;">the Guaranty; and </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(e)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">the Subordination Agreement. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">3.2</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Loan Expenses</font><font style="color:#000000;">.&nbsp;&nbsp;On the Closing Date, Borrower shall pay to Lender all of Lender&#8217;s reasonable out&#8209;of&#8209;pocket Loan Expenses incurred in connection with the closing of the Loan and the closing of the Advance. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">3.3</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Appraisal</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Lender shall have received a current appraisal of the Real Property certified to Lender and issued by an MAI designated appraiser chosen by Lender containing a final dollar estimate of the market value of the Real Property and Improvements as completed, with appropriate discounting and conforming with Lender&#8217;s underwriting standards and rules and regulations of the Office of the Comptroller of the Currency.&nbsp;&nbsp;The appraisal shall be reviewed by and found to be satisfactory to Lender in its reasonable discretion (&#8220;</font><font style="font-weight:bold;text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Initial Approved Appraisal</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8221;).&nbsp;&nbsp;At no time shall the outstanding principal balance of the Loan exceed a Loan-to-Value ratio of 68.1% of the value as stated in the Approved Appraisal.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">3.4</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Survey/Flood Hazard</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Lender shall have received a land title improvement survey plat certified to Lender and the Title Company prepared and certified by a professional land surveyor licensed in the state of Colorado in accordance with the most recent ALTA/NSPS standards, including items 1-15 of Table A. Title Company shall have agreed to insure over all standard survey exceptions.&nbsp;&nbsp;Lender shall have received a certification from a company of its choice certifying that no portion of the Improvements are located within a Federal Emergency Management Agency identified flood plain area and state the map number or within any other flood hazard area.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">3.5</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Title</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower shall hold fee simple title to the Real Property subject only to the exceptions to title approved by Lender (&#8220;</font><font style="font-weight:bold;text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Title Exceptions</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8221;).&nbsp;&nbsp;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">3.6</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Title Insurance</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Lender shall have received a title insurance commitment from the Title Company in form and substance satisfactory to Lender, together with legible copies of all </font></p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">-7</a>-</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="letter-spacing:-0.15pt;color:#000000;">documents affecting title, in which the Title Company has committed to insure the lien of the Deed of Trust for the benefit of </font><font style="letter-spacing:-0.15pt;color:#000000;">Lender</font><font style="letter-spacing:-0.15pt;color:#000000;"> as a first priority lien encumbering the Real Property under an ALTA loan policy, subject to no exceptions other than </font><font style="letter-spacing:-0.15pt;color:#000000;">the Title Exceptions</font><font style="letter-spacing:-0.15pt;color:#000000;"> and such other endorsements as </font><font style="letter-spacing:-0.15pt;color:#000000;">Lender</font><font style="letter-spacing:-0.15pt;color:#000000;"> may request.&nbsp;&nbsp;The title commitment shall call for the deletion of all standard preprinted exceptions (including survey exceptions).&nbsp;&nbsp;At </font><font style="letter-spacing:-0.15pt;color:#000000;">Lender</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8217;</font><font style="letter-spacing:-0.15pt;color:#000000;">s option, the policy to be issued will provide mechanics lien coverage.&nbsp;&nbsp;The title commitment may contain a pending disbursement clause acceptable to </font><font style="letter-spacing:-0.15pt;color:#000000;">Lender</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;The title commitment shall require the policy to contain such endorsements as </font><font style="letter-spacing:-0.15pt;color:#000000;">Lender</font><font style="letter-spacing:-0.15pt;color:#000000;"> may request.&nbsp;&nbsp;The commitment will be accompanied by such re-insurance and co-insurance agreements and endorsements as </font><font style="letter-spacing:-0.15pt;color:#000000;">Lender</font><font style="letter-spacing:-0.15pt;color:#000000;"> may require.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">3.7</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Environmental Compliance</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Lender shall have received a current Phase I environmental audit of the Real Property in a form and substance acceptable to Lender, issued by an environmental engineering firm acceptable to Lender, prepared in accordance with the ASTM standards for environmental site assessments.&nbsp;&nbsp;The environmental assessment shall indicate that the Real Property does not contain, incorporate nor is threatened by contamination from any hazardous materials and/or hazardous substances, including, but not limited to, asbestos, PCBs, underground storage tanks, ground water or soil contamination, and that the Real Property does not contain any wetlands or endangered species habitat. At closing, Borrower shall have executed and delivered to Lender the Environmental Indemnity Agreement.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">3.8</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Zoning</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Lender shall have received evidence that the Real Property is appropriately zoned for the Improvements and their intended use and that such zoning is final and not subject to challenge. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">3.9</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Insurance</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Lender shall have received evidence of insurance as required in </font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Exhibit B</font><font style="letter-spacing:-0.15pt;color:#000000;"> attached.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">3.10</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Utilities</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Lender shall have received evidence that all utilities and services to the Real Property, including, without limitation, water, sewer, gas and electric, and telephone are available or will be available as required, and that they will be in amounts sufficient to service the on&#8209;site Improvements for their intended use.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">3.11</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Organizational Documents</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Lender shall have received a copy of all organizational documents of Borrower evidencing that it is validly existing and in good standing under all states in which it is either formed or in which it is conducting business.&nbsp;&nbsp;Lender shall have received certificates of good standing from, (i) with respect to Boulder Road, the Colorado Secretary of State indicating it is in good standing; and (ii) with respect to Westside, both the Colorado and California secretaries of state indicating it is in good standing.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">3.12</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Borrowing Resolution</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower and Guarantor shall have delivered to Lender a resolution consenting to (i) its execution, delivery and performance of the Loan Documents; (ii) the execution and delivery and performance of all of its Obligations under the Loan Documents; and (iii) authorizing the appropriate officers/managers/members to request all Advances under the Loan and permitting Lender to rely on the signature of any Person purporting to act on behalf of Borrower for an Advance under the Loan.</font></p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">-8</a>-</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><a name="_Ref57910464"></a><font style="text-decoration:none;Background-color:#auto;">3.13</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Beneficial Ownership Certificates</font><font style="color:#000000;">.</font><font style="color:#000000;">&nbsp;&nbsp;</font><font style="color:#000000;">Borrower </font><font style="color:#000000;">and, if requested by Lender, </font><font style="color:#000000;">the</font><font style="color:#000000;"> Guarantor </font><font style="color:#000000;">shall </font><font style="color:#000000;">have </font><font style="color:#000000;">provide</font><font style="color:#000000;">d</font><font style="color:#000000;"> to Lender</font><font style="color:#000000;"> a </font><font style="color:#000000;">Beneficial Ownership Certification in form and su</font><font style="color:#000000;">bstance acceptable to Lender and</font><font style="color:#000000;"> such other KYC Information reasonably requested by Lender.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">3.14</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Representations</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;All representations and warranties by Borrower shall remain true, correct and complete.&nbsp;&nbsp; </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">3.15</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">No Event of Default</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;No Event of Default shall exist, and no event shall have occurred or condition exist that, after notice of lapse of time, or both, would constitute an Event of Default. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">3.16</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Rent Roll/Leases</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower shall have delivered to Lender a current rent roll for the Property containing such detail as Lender may reasonably request. Lender shall have received estoppel certificates and subordination, non-disturbance, and attornment agreements from the tenant of the Gaia Lease. No tenant shall be in default under its applicable Approved Lease and no Material Adverse Event shall have occurred with respect to any such tenant.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">3.17</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Material Contracts</font><font style="color:#000000;">.</font><font style="margin-left:36pt;color:#000000;">Lender shall have received copies of all the Material Contracts. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">Section 4.</font><font style="font-weight:normal;margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Representations and Warranties</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Borrower represents and warrants to Lender that as of the date of this Agreement: </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">4.1</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Recitals</font><font style="color:#000000;">.&nbsp;&nbsp;The recitals and statements of intent appearing in this Agreement are true, correct and complete. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">4.2</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Organization</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Boulder Road is a limited liability company validly existing and in good standing under the laws of the state of Colorado. Westside is a limited liability company validly existing and in good standing under the laws of the state of California. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">4.3</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Power and Authorization</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower has the full power to carry out its business now being conducted.&nbsp;&nbsp;The execution, delivery and performance of all Loan Documents by Borrower, to the extent to be executed, delivered or performed by Borrower (a) have been duly authorized by all necessary company action, (b) do not require the consent or approval of any other Person, regulatory authority or governmental body, and (c) do not conflict with, result in violation of, or constitute a default under any provision of any agreement or other instrument binding upon Borrower, or any law, governmental regulation, court decree or order applicable to Borrower. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">4.4</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Enforceability</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;This Agreement constitutes, and any instrument or agreement required hereunder to be given by Borrower when delivered will constitute, legal, valid and binding obligations of Borrower, enforceable against Borrower in accordance with their respective terms, subject to bankruptcy and insolvency laws affecting the rights of creditors generally. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">4.5</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Litigation and Claims</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;There exists no litigation or claim (including those for past-due taxes) against Borrower or the Collateral which is pending, or for which Borrower have received written notice, and no other event has occurred which may materially adversely affect Borrower&#8217;s financial condition or properties.&nbsp;&nbsp;</font></p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">-9</a>-</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="text-decoration:none;Background-color:#auto;">4.6</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Financial Information</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;The financial statements of Borrower supplied to </font><font style="letter-spacing:-0.15pt;color:#000000;">Lender</font><font style="letter-spacing:-0.15pt;color:#000000;"> disclosed their true and complete financial condition as of the date of the statements, and there has been no Material Adverse Event </font><font style="letter-spacing:-0.15pt;color:#000000;">subsequent to</font><font style="letter-spacing:-0.15pt;color:#000000;"> the date of the most recent financial statements supplied to </font><font style="letter-spacing:-0.15pt;color:#000000;">Lender</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower shall not have any material contingent obligations except as disclosed in such financial statements. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">4.7</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Taxes</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;All tax returns and reports of Borrower that are or were required to be filed have been filed, and all taxes, assessments and other governmental charges have been paid in full. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">4.8</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Assessments and Fees</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;There are no outstanding governmental assessments or fees, due or not, other than those shown on the real property tax bills. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">4.9</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Information</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;All information heretofore or contemporaneously herewith furnished by Borrower to Lender for the purposes of or in connection with this Agreement or any transaction contemplated hereby is, and all information hereafter furnished by or on behalf of Borrower to Lender will be, true, and accurate in every material respect on the dates which such information is dated or certified; and none of such information is or will be incomplete by omitting to state any amendment, modification or any material fact necessary to make such document information not misleading. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">4.10</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Utilities</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Water, sewer, storm water, electricity and telephone and other utility service necessary for operation of the Improvements are presently available in capacities sufficient to operate the Property as is currently being operated.&nbsp;&nbsp;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">4.11</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Special Districts</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;To the best of Borrower&#8217;s knowledge, there are no special districts which affect the Real Property other than those shown on the most recent tax bill for the Real Property.&nbsp;&nbsp;Borrower has not received notice of any petitions pending, the purpose of which is to form a special district involving the Real Property.&nbsp;&nbsp;Borrower has not made any arrangements or agreements with the Governmental Authority or any other Person, entity or governmental agency or subdivision for the deferral or reimbursement of any costs or expenses of the development or installation of on or off&#8209;site Improvements. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">4.12</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Zoning</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;To the best of Borrower&#8217;s knowledge, the Real Property is appropriately zoned for the occupancy of the Building for the use for general office purposes; (a) Borrower has not received notice that any application or proceeding is pending with any Governmental Authority the object of which is to challenge, change or modify the present zoning or the certificate of occupancy; (b) all Improvements are legal conforming improvements that may be rebuilt in their present location and size in the event of any casualty; and (c) all parking spaces used by occupants are located on the Real Property and the number of parking spaces located on the Real Property are sufficient under the local land use ordinances for the use of the Building under the Approved Leases.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">4.13</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Single Purpose Entity</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower has not done any of the following: (i) engaged, directly or indirectly, in any business other than the ownership, improvement, management, sales, operation and financing of the Property; (ii) guaranteed any obligation of any Person; or (iii) incurred, created or assumed as of the Closing Date any borrowed indebtedness other than the Loan.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">4.14</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Leases</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;As of the Closing Date, there are no leases affecting the Real Property other than the Approved Leases and the Existing Subleases (as defined below).. To the best of Borrower&#8217;s knowledge, the rent roll and copies of the Approved Leases delivered to Lender prior to Closing Date </font></p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">-10</a>-</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="letter-spacing:-0.15pt;color:#000000;">are true, correct and complete copies of the same. </font><font style="letter-spacing:-0.15pt;color:#000000;">As used herein, &#8220;</font><font style="font-weight:bold;letter-spacing:-0.15pt;color:#000000;">Existing Subleases</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8221; means </font><font style="color:#000000;">(a) the Lease Agreement dated as of April 30, 2015, between Boulder Road, as landlord, and Natural Habitat, Inc., as tenant, as amended, (b) the Lease Agreement dated as of April 16, 2018, between Boulder Road, as landlord, and Rocky Mountain Natural Labs LLC, as tenant, as amended, and (c) the Lease Agreement dated as of January 1, 2015, between Boulder Road, as landlord, and Fit For Life NA LLC, as successor by assignment to </font><font style="color:#000000;">Gaiam</font><font style="color:#000000;"> Americas, Inc., as tenant, as amended</font><font style="color:#000000;"> (&#8220;</font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Fit for Life Lease</font><font style="color:#000000;">&#8221;)</font><font style="color:#000000;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">4.15</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Survival of Representations and Warranties</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower understands and agrees that Lender is relying upon the above representations and warranties in making the Loan to Borrower.&nbsp;&nbsp;Borrower further agrees that the foregoing representations and warranties shall be continuing in nature and shall remain in full force and effect until such time as the Loan shall be paid in full. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">Section 5.</font><font style="font-weight:normal;margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Affirmative Covenants</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Borrower covenants and agrees with Lender that, while this Agreement is in effect, Borrower will perform the following: </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">5.1</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Payment of Loan</font><font style="color:#000000;">.&nbsp;&nbsp;Borrower shall promptly pay and perform when due all obligations of Borrower contained herein or in another Loan Document. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">5.2</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Payment of Laborers and Materialmen</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower agrees that it will not suffer or permit any mechanic&#8217;s lien claims to be filed or otherwise asserted against the Property or any funds due the general contractor, and will discharge the same in case of the filing of any claims for lien or proceedings for the enforcement within thirty (3) days after receipt of actual notice thereof; provided, however, that Borrower shall have the right to contest in good faith and with reasonable diligence the validity of any such lien or claim upon furnishing to the Title Company such security or indemnity as it may require to induce said Title Company to issue its title insurance commitment or its Lender&#8217;s title policy insuring against all such claims or liens.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">5.3</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">No Other Security Interests</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;No materials, equipment, fixtures or any other part of the Improvements or articles of personal property of Borrower placed in the Improvements shall be purchased or installed under any security agreement or other arrangements wherein the seller reserves or purports to reserve the right to remove or to repossess any such items or to consider them personal property after their incorporation into the Improvements. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">5.4</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Maintenance of Licenses and Permits</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower shall maintain, or cause to be maintained, in full force and effect all rights and licenses necessary to carry on its business, and all permits, licenses, consents and approvals necessary for the maintenance and operation of the Improvements.&nbsp;&nbsp;Borrower shall maintain its present existence and shall maintain, or cause the Property Manager to maintain or retain, management at a level of experience and ability equivalent to present management.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">5.5</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Litigation</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower shall promptly inform Lender in writing of (a) any Material Adverse Event affecting Borrower&#8217;s or Guarantor&#8217;s financial condition, and (b) all pending litigation and claims and all threatened in writing litigation and claims affecting Borrower that would reasonably be expected to have a Material Adverse Effect.&nbsp;&nbsp;In the event that such litigation concerns or affects the Real Property or any other material Collateral, Lender may engage counsel to make an appearance and defend Lender&#8217;s interest in the Collateral, all at Borrower&#8217;s expense.&nbsp;&nbsp;In addition, in </font></p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">-11</a>-</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="letter-spacing:-0.15pt;color:#000000;">the event that Borrower elects to dispute any amount due to a mechanic</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8217;</font><font style="letter-spacing:-0.15pt;color:#000000;">s lien claimant or such litigation asserts a lien or a claim to title of all or any portion of the Collateral, Borrower shall, at </font><font style="letter-spacing:-0.15pt;color:#000000;">Lender</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8217;</font><font style="letter-spacing:-0.15pt;color:#000000;">s election, also either post a bond or deliver other cash security with </font><font style="letter-spacing:-0.15pt;color:#000000;">Lender</font><font style="letter-spacing:-0.15pt;color:#000000;"> (or with the court in the case of a mechanic</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8217;</font><font style="letter-spacing:-0.15pt;color:#000000;">s lien) in an amount of one</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8209;and</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8209;one</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8209;half times the amount of such claims within thirty (30) days of the date of the initiation of such dispute or litigation (provided that if the lien is recorded, such as a mechanic</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8217;</font><font style="letter-spacing:-0.15pt;color:#000000;">s lien, then the bond or security shall be posted within thirty (30) days of recording).&nbsp;&nbsp;Such bond or cash security shall be held by </font><font style="letter-spacing:-0.15pt;color:#000000;">Lender</font><font style="letter-spacing:-0.15pt;color:#000000;"> (or with the court in the case of a mechanic</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8217;</font><font style="letter-spacing:-0.15pt;color:#000000;">s lien) until the conclusion of such litigation and may be used at Borrower</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8217;</font><font style="letter-spacing:-0.15pt;color:#000000;">s election to settle such litigation.&nbsp;&nbsp;If not settled or concluded in favor of Borrower, the bond or cash security may be used by </font><font style="letter-spacing:-0.15pt;color:#000000;">Lender</font><font style="letter-spacing:-0.15pt;color:#000000;"> to either pay off such claimants or may be applied against the </font><font style="letter-spacing:-0.15pt;color:#000000;">Loan</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;If cash security is pledged, Borrower may use the cash to settle any such dispute (provided that the funds will only be released upon a final and complete settlement of the claims). </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">5.6</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Financial Records</font><font style="color:#000000;">.&nbsp;&nbsp;Borrower shall maintain their books and records in accordance with the accounting principles historically used by Borrower, applied on a consistent basis. All books and records shall separately account for the income and expenses attributable to the Property.&nbsp;&nbsp;Borrower shall deliver to Lender the following financial information, all of which shall be in a form and content reasonably acceptable to Lender, on or before the date specified below: </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(a)</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Rent Rolls</font><font style="color:#000000;">.</font><font style="font-weight:bold;color:#000000;"> </font><font style="color:#000000;">As soon as available, but in no event later than forty five (45) days after December 31st (12/31) and June 30<sup style="font-size:85%;line-height:120%;vertical-align:top">th</sup> (6/30) of each year, a complete and accurate listing of all tenants of the properties located at 833 West South Boulder Road, in Louisville, CO 80027, including names, addresses, rents paid/due, origination and maturity dates, and other information requested by Lender for the most recent reporting period most recently ended. Said report shall be prepared by Borrower in a format reasonably acceptable to Lender.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(b)</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Interim Financial Statements (prepared by Boulder Road)</font><font style="color:#000000;">.</font><font style="font-weight:bold;color:#000000;"> </font><font style="color:#000000;">As soon as available, but in no event later than forty-five (45) days after the end of each fiscal year, Borrower&#8217;s Balance Sheet and Income Statement for the period ended, prepared by Borrower.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(c)</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Interim Financial Statements (prepared by Gaia, Inc.)</font><font style="color:#000000;">.</font><font style="font-weight:bold;color:#000000;"> </font><font style="color:#000000;">As soon as available, but in no event later than ninety (90) days after the end of each fiscal year, Guarantor&#8217;s Balance Sheet and Income Statement for the period ended, prepared by Guarantor.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(d)</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Compliance Certificate</font><font style="color:#000000;">.</font><font style="font-weight:bold;color:#000000;"> </font><font style="color:#000000;">Within ninety (90) days after the end of each fiscal year, with a certificate executed by Borrower&#8217;s chief financial officer, or other officer or person acceptable to Lender, certifying that: (1) the representations and warranties set forth in this Agreement are true and correct as of the date of the certificate; and, (2) as of the date of the certificate, no Event of Default exists under the Agreement. The email, facsimile or other electronic transmission of the certificate, if in a form acceptable to Lender, shall constitute Borrower&#8217;s certification that the information therein is true and correct and consistent with Borrower&#8217;s internal records.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(e)</font><font style="margin-left:36pt;color:#000000;"></font><font style="letter-spacing:-0.15pt;color:#000000;">Borrower shall furnish such additional reasonable information and statements, lists of assets and liabilities, aging of receivables and payables, budgets, forecasts, tax returns, and other reports with respect to Borrower&#8217;s financial condition, the Real Property, and business operations as Lender may reasonably request from time to time. </font></p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">-12</a>-</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="text-decoration:none;Background-color:#auto;">5.7</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Insurance</font><font style="color:#000000;">.&nbsp;&nbsp;Borrower shall maintain </font><font style="color:#000000;">or</font><font style="color:#000000;"> shall </font><font style="color:#000000;">cause </font><font style="color:#000000;">to be</font><font style="color:#000000;"> </font><font style="color:#000000;">maintain</font><font style="color:#000000;">ed</font><font style="color:#000000;">, at </font><font style="color:#000000;">Borrower</font><font style="color:#000000;">&#8217;</font><font style="color:#000000;"> </font><font style="color:#000000;">expense, property insurance, </font><font style="color:#000000;">general </font><font style="color:#000000;">commercial</font><font style="color:#000000;"> liability insurance, and, if applicable, flood insurance, on the terms and conditions specified in </font><font style="text-decoration:underline;color:#000000;">Exhibit </font><font style="text-decoration:underline;color:#000000;">B</font><font style="color:#000000;"> attached hereto. </font><font style="color:#000000;">All insurance policies shall be in form, amounts, coverages and with insurance companies reasonably acceptable to </font><font style="color:#000000;">Lender</font><font style="color:#000000;">.</font><font style="color:#000000;"> Borrower will provide </font><font style="color:#000000;">Lender</font><font style="color:#000000;"> with loss payee endorsements, non</font><font style="color:#000000;">&#8209;contributing mortgagee</font><font style="color:#000000;">&#8217;</font><font style="color:#000000;">s endorsements, or other endorsements as </font><font style="color:#000000;">Lender</font><font style="color:#000000;"> may require.&nbsp;&nbsp;If any insurance policies are blanket policies, they shall contain an agreed amount endorsement, in amounts reasonably approved by </font><font style="color:#000000;">Lender</font><font style="color:#000000;">. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">5.8</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Insurance Reports</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;In addition to any reports required in the Deed of Trust, Borrower, upon request of Lender, will deliver to Lender from time to time the policies or certificates of insurance in form satisfactory to Lender, including stipulations that coverages will not be cancelled or diminished without at least 30 days prior written notice to Lender.&nbsp;&nbsp;In connection with all policies covering the Property, Borrower shall furnish to Lender, upon request of Lender, reports on each existing insurance policy showing such information as Lender may reasonably request, including, without limitation the following: (a) the name of the insurer; (b) the names of all insureds and loss payees; (c) the risks insured; (d) the amount of the policy; (e) the properties insured: (f) the then&#8209;current property values on the basis of which insurance has been obtained, and the manner of determining those values; and (g) the expiration date of the policy.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">5.9</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Other Agreements</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower shall comply with all material easements, covenants, declarations, other agreements affecting the Real Property including, without limitation, whether now or hereafter existing, between Borrower and any other party and notify Lender immediately in writing of any default in connection with any other such agreement.&nbsp;&nbsp;As used in this Section &#8220;</font><font style="font-weight:bold;letter-spacing:-0.15pt;color:#000000;">material</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8221; shall mean having an economic impact of $100,000 or more. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">5.10</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Taxes, Charges and Liens</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Unless escrowed with Lender, Borrower shall discharge when due any of its other obligations, including, without limitation, all assessments, taxes, governmental charges, levies and liens of every kind and nature imposed upon Borrower or its properties, income or profits prior to the date on which penalties would attach, and all lawful claims that, if unpaid, might become a lien or charge upon any of Borrower&#8217;s properties, income or profits, including, but not limited to, the Real Property; provided, however, Borrower will not be required to pay and discharge any such assessment, tax, charge, levy, lien or claim (other than a mechanics lien that is addressed in 5.13 below) that affects the Collateral so long as (a) the amount or legality of the same shall be contested in good faith by appropriate proceedings; (b) Borrower promptly notifies Lender of the contest and keeps Lender informed as to the status of the contest; (c) the contest and delay in payment of such tax would not, in Lender&#8217;s opinion, materially impair Lender&#8217;s security interest in or the value of the Collateral; (d) within thirty (30) days of the date the same became due, Borrower shall either (1) have established, with Lender&#8217;s approval, on its books adequate reserves with respect to such contested assessment, tax, charge, levy, lien or claim in accordance with generally&#8209;accepted accounting practices, or, if Lender has not approved the reserve, (2) have posted a bond in favor of Lender, issued by a surety acceptable to Lender in an amount equal to one and one&#8209;half of the amount of such lien; and (e) Borrower promptly pays all amounts ultimately determined to be payable. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">5.11</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Operations</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower shall conduct its business affairs in a reasonable and prudent manner and in material compliance with all applicable federal, state and municipal laws, ordinances, </font></p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">-13</a>-</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="letter-spacing:-0.15pt;color:#000000;">rules and regulations respecting its properties, charters, businesses and operations, all minimum funding standards and other requirements of the Employee Retirement Income Security Act of 1974, as amended, and other laws applicable to Borrower</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8217;</font><font style="letter-spacing:-0.15pt;color:#000000;">s employee benefit plans, if any.&nbsp;&nbsp;Borrower</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8217;</font><font style="letter-spacing:-0.15pt;color:#000000;">s sole business </font><font style="letter-spacing:-0.15pt;color:#000000;">is the ownership</font><font style="letter-spacing:-0.15pt;color:#000000;"> and rental of the Property.&nbsp;&nbsp;Borrower shall not engage in any business other than the owner</font><font style="letter-spacing:-0.15pt;color:#000000;">ship </font><font style="letter-spacing:-0.15pt;color:#000000;">and rental of the Property.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">5.12</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Inspection of Books</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Subject to the rights of tenants under leases, Boulder Road shall permit employees or agents of Lender, at its own expense, at any reasonable time upon reasonable advance notice to inspect any and all Collateral and to examine or audit Boulder Road&#8217;s books, accounts and records and to make copies and memoranda of Boulder Road&#8217;s books, accounts and records; provided Lender </font><font style="color:#000000;">shall use commercially reasonable efforts to avoid interference with the ongoing business operations of tenants during any inspection of the Collateral</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;If Boulder Road now or at any time hereafter maintains any records (including, without limitation, computer&#8209;generated records and computer software programs for the generation of such records) in the possession of a third party, Boulder Road, upon reasonable request of Lender, shall notify such party to permit Lender free access to such records at all reasonable times upon reasonable advance notice and to provide Lender with copies of any records it may request, all at Borrower&#8217;s expense. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">5.13</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Bonds</font><font style="color:#000000;">.&nbsp;&nbsp;In the event that a mechanic&#8217;s or other lien is filed encumbering the Property, Borrower shall, in addition to the requirements contained above, immediately notify Lender thereof and, upon request of Lender, obtain for the benefit of Lender a corporate surety bond in an amount and with sureties satisfactory to Lender or, at Borrower&#8217;s election, a cash deposit to be deposited with the Title Company or the court in such a manner as to cause the lien to be satisfactorily released within thirty (30) days of the date filed. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">5.14</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Leases</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower shall deliver to Lender copies of all notices given or received with respect to the Approved Leases. Borrower shall exercise its good faith, commercially reasonable efforts to perform all of its obligations under the Approved Leases and to market all rentable areas in the Improvements for lease at full market rental rates, to collect all rents due under the Approved Leases and to otherwise maximize the revenues of the Property. Without Lender&#8217;s prior written consent which shall not be unreasonably withheld, delayed or conditioned, Borrower shall not enter into any new lease for more than 20,000 square feet of rentable space affecting the Real Property or its common areas.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">5.15</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Operating Account</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Boulder Road shall use the Lender as its principal depository bank, including its operating account. Boulder Road shall, or shall cause the property manager of the Property, to continuously make direct deposits of all rent payments into the Operating Account. The Operating Account and all funds on deposit therein are pledged as additional collateral to secure the Obligations.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">5.16</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Financial Covenants</font><font style="color:#000000;">.&nbsp;&nbsp;Borrower shall comply with the following financial covenants:</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(a)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">Maintain a minimum Debt Service Coverage Ratio &#8211; Pre-Distribution of 1.35 to 1.00 as of the end of each calendar year period. &#8220;Debt Service Coverage Ratio &#8211; Pre-Distribution&#8221; means Borrower&#8217;s EBIDA before distributions, divided by the sum of the following for a stated period: interest expense and the current principal portion of long term debt. The </font></p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">-14</a>-</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="color:#000000;">financial information for the following described property(</font><font style="color:#000000;">ies</font><font style="color:#000000;">) shall be included in the calculation of the ratio: </font><font style="color:#000000;">The </font><font style="color:#000000;">four</font><font style="color:#000000;"> building</font><font style="color:#000000;"> office complex located at 833 West South Boulder Road, Louisville, Colorado 80027. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(b)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">Maintain a minimum Debt Service Coverage Ratio &#8211; Post-Distribution of 1.15 to 1.00 as of the end of each calendar year period. &#8220;Debt Service Coverage Ratio &#8211; Post Distribution&#8221; means Borrower&#8217;s EBIDA after distributions plus contributions, divided by the sum of the following for a stated period: interest expense and the current principal portion of long term debt. The financial information for the following described property(ies) shall be included in the calculation of the ratio: The four building office complex located at 833 West South Boulder Road, Louisville, Colorado.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">5.17</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Additional Assurances</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower shall make, execute and deliver to Lender such promissory notes, mortgages, deeds of trust, security agreements, financing statements, instruments, documents and other agreements as Lender or its attorneys may reasonably request to evidence and secure the Loan and to perfect all security interests and liens in the Collateral. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">Section 6.</font><font style="font-weight:normal;margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Negative Covenants</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Borrower covenants and agrees with Lender that, without the prior written consent of Lender, which consent may be withheld in Lender&#8217;s reasonable discretion, engage or permit any of the following to occur: </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">6.1</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Continuity of Operations</font><font style="color:#000000;">.&nbsp;&nbsp;Borrower shall not (a) engage in any business activities other than the ownership, development, sales, and maintenance of the Property; (b) cease operation, liquidate, merge or consolidate with any other entity; (c) change&nbsp;&nbsp;its management or turn over management of its affairs to any other Person, except as provided in the Tenants in Common Agreement and the Property Management Agreement; (d) change its name or operate its business under any assumed name; (e) change its state of formation; (f) change its organizational identification number; or (g) make any material amendments to its organizational documents, including its operating agreement.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">6.2</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Liens</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower shall not pledge, encumber or collaterally assign any of the Collateral, except (i) to Lender, (ii) liens for </font><font style="color:#000000;">taxes,</font><font style="color:#000000;letter-spacing:1.55pt;"> </font><font style="color:#000000;">duties,</font><font style="color:#000000;letter-spacing:1.55pt;"> </font><font style="color:#000000;">levies,</font><font style="color:#000000;letter-spacing:1.55pt;"> </font><font style="color:#000000;">imposts,</font><font style="color:#000000;letter-spacing:1.55pt;"> </font><font style="color:#000000;">deductions,</font><font style="color:#000000;letter-spacing:1.55pt;"> </font><font style="color:#000000;">assessments</font><font style="color:#000000;letter-spacing:1.55pt;"> </font><font style="color:#000000;">or</font><font style="color:#000000;letter-spacing:1.55pt;"> </font><font style="color:#000000;">other</font><font style="color:#000000;letter-spacing:1.55pt;"> </font><font style="color:#000000;">governmental charges, not yet due and payable or which are being properly contested in accordance with Section 5.10, (iii) liens</font><font style="color:#000000;letter-spacing:5.05pt;"> </font><font style="color:#000000;">of</font><font style="color:#000000;letter-spacing:5.05pt;"> </font><font style="color:#000000;">carriers,</font><font style="color:#000000;letter-spacing:5.05pt;"> </font><font style="color:#000000;">warehousemen,</font><font style="color:#000000;letter-spacing:5.05pt;"> </font><font style="color:#000000;">processors,</font><font style="color:#000000;letter-spacing:5.05pt;"> </font><font style="color:#000000;">mechanics,</font><font style="color:#000000;letter-spacing:5.05pt;"> </font><font style="color:#000000;">materialmen,</font><font style="color:#000000;letter-spacing:5.05pt;"> </font><font style="color:#000000;">repairmen, landlords</font><font style="color:#000000;letter-spacing:0.15pt;"> </font><font style="color:#000000;">or</font><font style="color:#000000;letter-spacing:0.15pt;"> </font><font style="color:#000000;">other</font><font style="color:#000000;letter-spacing:0.15pt;"> </font><font style="color:#000000;">like</font><font style="color:#000000;letter-spacing:0.15pt;"> </font><font style="color:#000000;">liens</font><font style="color:#000000;letter-spacing:0.15pt;"> </font><font style="color:#000000;">imposed</font><font style="color:#000000;letter-spacing:0.15pt;"> </font><font style="color:#000000;">by</font><font style="color:#000000;letter-spacing:0.15pt;"> </font><font style="color:#000000;">law</font><font style="color:#000000;letter-spacing:0.15pt;"> </font><font style="color:#000000;">or</font><font style="color:#000000;letter-spacing:0.15pt;"> </font><font style="color:#000000;">arising</font><font style="color:#000000;letter-spacing:0.15pt;"> </font><font style="color:#000000;">in</font><font style="color:#000000;letter-spacing:0.15pt;"> </font><font style="color:#000000;">the</font><font style="color:#000000;letter-spacing:0.15pt;"> </font><font style="color:#000000;">ordinary</font><font style="color:#000000;letter-spacing:0.15pt;"> </font><font style="color:#000000;">course</font><font style="color:#000000;letter-spacing:0.15pt;"> </font><font style="color:#000000;">of</font><font style="color:#000000;letter-spacing:0.15pt;"> </font><font style="color:#000000;">business</font><font style="color:#000000;letter-spacing:0.15pt;"> </font><font style="color:#000000;">which</font><font style="color:#000000;letter-spacing:0.15pt;"> </font><font style="color:#000000;">are</font><font style="color:#000000;letter-spacing:0.15pt;"> </font><font style="color:#000000;">not overdue for a period of more than thirty (30) days or which are being properly contested in accordance with Section 5.10, (iv) deposits</font><font style="color:#000000;letter-spacing:0.1pt;"> </font><font style="color:#000000;">to</font><font style="color:#000000;letter-spacing:0.1pt;"> </font><font style="color:#000000;">secure</font><font style="color:#000000;letter-spacing:0.1pt;"> </font><font style="color:#000000;">the</font><font style="color:#000000;letter-spacing:0.1pt;"> </font><font style="color:#000000;">performance</font><font style="color:#000000;letter-spacing:0.1pt;"> </font><font style="color:#000000;">of</font><font style="color:#000000;letter-spacing:0.1pt;"> </font><font style="color:#000000;">trade</font><font style="color:#000000;letter-spacing:0.1pt;"> </font><font style="color:#000000;">contracts</font><font style="color:#000000;letter-spacing:0.1pt;"> </font><font style="color:#000000;">and</font><font style="color:#000000;letter-spacing:0.1pt;"> </font><font style="color:#000000;">leases</font><font style="color:#000000;letter-spacing:0.1pt;"> </font><font style="color:#000000;">(other</font><font style="color:#000000;letter-spacing:0.1pt;"> </font><font style="color:#000000;">than Debt),</font><font style="color:#000000;letter-spacing:1.4pt;"> </font><font style="color:#000000;">statutory</font><font style="color:#000000;letter-spacing:1.4pt;"> </font><font style="color:#000000;">obligations,</font><font style="color:#000000;letter-spacing:1.4pt;"> </font><font style="color:#000000;">surety</font><font style="color:#000000;letter-spacing:1.4pt;"> </font><font style="color:#000000;">bonds</font><font style="color:#000000;letter-spacing:1.4pt;"> </font><font style="color:#000000;">(other</font><font style="color:#000000;letter-spacing:1.4pt;"> </font><font style="color:#000000;">than</font><font style="color:#000000;letter-spacing:1.4pt;"> </font><font style="color:#000000;">bonds</font><font style="color:#000000;letter-spacing:1.4pt;"> </font><font style="color:#000000;">related</font><font style="color:#000000;letter-spacing:1.4pt;"> </font><font style="color:#000000;">to</font><font style="color:#000000;letter-spacing:1.4pt;"> </font><font style="color:#000000;">judgments</font><font style="color:#000000;letter-spacing:1.4pt;"> </font><font style="color:#000000;">or</font><font style="color:#000000;letter-spacing:1.4pt;"> </font><font style="color:#000000;">litigation), (v) liens and encumbrances permitted under the Deed of Trust, (vi) the Title Exceptions, (vii) l</font><font style="Background-color:#FFFFFF;color:#000000;">iens</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.4pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">securing</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.4pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">judgments</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.4pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">for</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.4pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">the</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.4pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">payment</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.4pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">of</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.4pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">money</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.4pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">not</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.4pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">constituting</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.4pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">an</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.4pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">Event</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.4pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">of</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.4pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">Default or securing appeal or other attachments or surety bonds related to such judgment, (viii) the Approved Leases and Existing Subleases</font><font style="color:#000000;">, (ix) liens in favor of collecting banks arising under Section 4-210 of the UCC, and (x) liens</font><font style="color:#000000;letter-spacing:-0.45pt;"> </font><font style="color:#000000;">(including</font><font style="color:#000000;letter-spacing:-0.45pt;"> </font><font style="color:#000000;">the</font><font style="color:#000000;letter-spacing:-0.45pt;"> </font><font style="color:#000000;">right</font><font style="color:#000000;letter-spacing:-0.45pt;"> </font><font style="color:#000000;">of</font><font style="color:#000000;letter-spacing:-0.45pt;"> </font><font style="color:#000000;">setoff)</font><font style="color:#000000;letter-spacing:-0.45pt;"> </font><font style="color:#000000;">in</font><font style="color:#000000;letter-spacing:-0.45pt;"> </font><font style="color:#000000;">favor</font><font style="color:#000000;letter-spacing:-0.45pt;"> </font><font style="color:#000000;">of</font><font style="color:#000000;letter-spacing:-0.45pt;"> </font><font style="color:#000000;">a</font><font style="color:#000000;letter-spacing:-0.45pt;"> </font><font style="color:#000000;">bank</font><font style="color:#000000;letter-spacing:-0.45pt;"> </font><font style="color:#000000;">or</font><font style="color:#000000;letter-spacing:-0.45pt;"> </font><font style="color:#000000;">other</font><font style="color:#000000;letter-spacing:-0.45pt;"> </font><font style="color:#000000;">depository</font><font style="color:#000000;letter-spacing:-0.45pt;"> </font><font style="color:#000000;">institution</font><font style="color:#000000;letter-spacing:-0.45pt;"> </font><font style="color:#000000;">arising as a matter of law encumbering deposits (such exceptions, collectively, the &#8220;</font><font style="font-weight:bold;color:#000000;">Permitted Liens</font><font style="color:#000000;">&#8221;)</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;</font></p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">-15</a>-</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="text-decoration:none;Background-color:#auto;">6.3</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Indebtedness</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;</font><font style="letter-spacing:-0.15pt;color:#000000;">Borrower</font><font style="letter-spacing:-0.15pt;color:#000000;"> shall not create, incur or suffer to exist any</font><font style="letter-spacing:-0.15pt;color:#000000;"> </font><font style="letter-spacing:-0.15pt;color:#000000;">D</font><font style="letter-spacing:-0.15pt;color:#000000;">ebt, other than </font><font style="letter-spacing:-0.15pt;color:#000000;">(</font><font style="letter-spacing:-0.15pt;color:#000000;">i</font><font style="letter-spacing:-0.15pt;color:#000000;">) </font><font style="letter-spacing:-0.15pt;color:#000000;">for</font><font style="letter-spacing:-0.15pt;color:#000000;"> any </font><font style="letter-spacing:-0.15pt;color:#000000;">D</font><font style="letter-spacing:-0.15pt;color:#000000;">ebt owed to </font><font style="letter-spacing:-0.15pt;color:#000000;">Lender</font><font style="letter-spacing:-0.15pt;color:#000000;"> pursuant to the Loan Documents, (ii) </font><font style="Background-color:#FFFFFF;color:#000000;">the</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.05pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">endorsement</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.05pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">of</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.05pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">negotiable</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.05pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">instruments</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.05pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">for</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.05pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">deposit</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.05pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">or</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.05pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">collection</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.05pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">or</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.05pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">similar</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:0.05pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">transactions in the ordinary course of business, and (iii) surety</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:1.35pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">bonds</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:1.35pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">incurred</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:1.35pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">in</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:1.35pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">the</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:1.35pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">ordinary</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:1.35pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">course</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:1.35pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">of</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:1.35pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">business</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:1.35pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">and</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:1.35pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">permitted</font><font style="Background-color:#FFFFFF;color:#000000;letter-spacing:1.35pt;"> </font><font style="Background-color:#FFFFFF;color:#000000;">under Section 6.2 and other obligations as surety or guarantor incurred in the ordinary course of business and permitted under Section 6.5</font><font style="letter-spacing:-0.15pt;color:#000000;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">6.4</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Change in Accounting Period</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower shall not change the times of commencement or termination of its fiscal year or other accounting periods, or change its methods of accounting other than to conform to generally&#8209;accepted accounting principles applied on a consistent basis. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">6.5</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Loan, Acquisitions</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower shall not loan money or assets, purchase or acquire any interest in any other enterprise or entity, or incur any obligation as surety or guarantor other than in the ordinary course of business. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">6.6</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Special Districts</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower shall not seek to form or consent to the formation of any special district in which the Real Property would be located, including, without limitation, any special improvement district, business improvement district, metropolitan district, weed district, recreational district or any other governmental or quasi&#8209;governmental entities that has authority to make assessments against the Real Property.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">6.7</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Leases</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower shall not terminate, cancel, amend in any material respect, extend, waive, assign or rescind all or any portion of any Approved Lease or offer any rent reduction under any Approved Lease without the consent of the Lender which shall not be unreasonably withheld, delayed or conditioned.  Borrower shall not subordinate any Approved Lease to any lien other than the lien of the Deed of Trust.&nbsp;&nbsp;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">6.8</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">New Fees</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Without Lender&#8217;s prior written consent, which shall not be unreasonably withheld, conditioned or delayed, Borrower shall not permit any new agreement or enter into any modification or amendment of any contracts, participation agreements, facilities fee agreements, tap purchase agreements, development agreements, or any other financial arrangements between Borrower and any Governmental Authority or any district in which the Real Property is located which would cause or create any new or additional material fees or charges assessable against the Real Property. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">6.9</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Change in Real Property</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Without Lender&#8217;s prior written consent, which shall not be unreasonably withheld, conditioned or delayed, Borrower shall not record any new, or consent to any modification, amendment, cancellation or change in any existing zoning, utility agreements, condominium maps, plats, easements, covenants, declarations, licenses and permits affecting or concerning the Real Property.&nbsp;&nbsp;In the event that Borrower desires to form the association mentioned in the Condominium Documents, Borrower shall (i) give Lender thirty days advance notice, (ii) provide to Lender copies of the proposed organizational documents for Lender&#8217;s prior approval; (iii) shall cause the association to register Lender as an eligible first mortgagee, (iv) shall provide Lender with insurance certificates, and (v) enter into such amendments to the Loan Documents as Lender may reasonably request related to the formation of the association and the insurance requirements of the Loan Documents. &nbsp;&nbsp;</font></p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">-16</a>-</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="text-decoration:none;Background-color:#auto;">6.10</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Government Regulation</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower shall not be or become subject at any time to any law, regulation, or list of any government agency (including, without limitation, the U.S. Office of Foreign Asset Control list) that prohibits or limits </font><font style="letter-spacing:-0.15pt;color:#000000;">Lender</font><font style="letter-spacing:-0.15pt;color:#000000;"> from making any Advance or extension of credit to Borrower or from otherwise conducting business with Borrower, or fail to provide documentary and other evidence of Borrower</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8217;</font><font style="letter-spacing:-0.15pt;color:#000000;">s identity as may be requested by </font><font style="letter-spacing:-0.15pt;color:#000000;">Lender</font><font style="letter-spacing:-0.15pt;color:#000000;"> at any time to enable </font><font style="letter-spacing:-0.15pt;color:#000000;">Lender</font><font style="letter-spacing:-0.15pt;color:#000000;"> to verify Borrower</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8217;</font><font style="letter-spacing:-0.15pt;color:#000000;">s identity or to comply with any applicable law or regulation, including, without limitation, Section 326 of the USA Patriot Act of 2001, 31 U.S.C. Section 5318.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">6.11</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Single Purpose Entity</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower covenants and agrees that it has not and shall not:</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(a)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">engage in any business or activity other than the acquisition, development, ownership, sales, operation and maintenance of the Property, and activities incident thereto;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(b)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">acquire or own any material asset other than (i) the Property, and (ii) such incidental personal property as may be necessary for the operation of the Property;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(c)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">merge into or consolidate with any Person or entity or dissolve, terminate or liquidate in whole or in part, transfer or otherwise dispose of all or substantially all of its assets or change its legal structure, without in each case Lender&#8217;s consent;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(d)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">fail to preserve its existence as an entity duly organized, validly existing and in good standing (if applicable) under the laws of the jurisdiction of its organization or formation, or without the prior written consent of Lender, amend, modify, terminate or fail to comply with the provisions of Borrower&#8217;s organizational documents;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(e)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">own any subsidiary or make any investment in or acquire the obligations or securities of any other Person or entity without the consent of Lender;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(f)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">commingle its assets with the assets of any of its partner(s), members, shareholders, affiliates, or of any other Person or entity or transfer any assets to any such Person or entity other than distributions on account of equity interests in Borrower permitted hereunder and properly account for;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(g)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">fail to maintain its records, books of account and Lender accounts separate and apart from those of the shareholders, partners, members, principals and affiliates of Borrower, the affiliates of a shareholder, partner or member of Borrower, and any other Person or entity fail to prepare and maintain its own financial statements in accordance with generally accepted accounting principles and susceptible to audit, or if such financial statements are consolidated, fail to cause such financial statements to contain footnotes disclosing that the Property is actually owned by Borrower;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(h)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">hold itself out to be responsible or pledge its assets or credit worthiness for the debts of another Person or entity or allow any Person (other than Guarantor) to hold itself out to be responsible or pledge its assets or credit worthiness for the debts of Borrower;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(i)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">fail to allocate fairly and reasonably among Borrower and any third party any overhead for common employees, shared office space or other overhead and administrative expenses.</font></p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">-17</a>-</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="text-decoration:none;Background-color:#auto;">6.12</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Material Contracts</font><font style="color:#000000;">.&nbsp;&nbsp;Without Lender</font><font style="color:#000000;">&#8217;</font><font style="color:#000000;">s prior written consent</font><font style="color:#000000;"> which shall not be unreasonably withheld, delayed or conditioned</font><font style="color:#000000;">, Borrower shall not terminate, cancel, rescind, </font><font style="color:#000000;">or materially and adversely </font><font style="color:#000000;">modify or amend any of the Material Contracts or</font><font style="color:#000000;"> enter into any new </font><font style="color:#000000;">M</font><font style="color:#000000;">aterial Contract. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">6.13</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Use of Proceeds</font><font style="color:#000000;">.&nbsp;&nbsp; Borrower shall not, directly or indirectly, use any of the proceeds of the Loan for any tenant improvements for any tenant or business if more than a </font><font style="font-style:italic;color:#000000;">de minimis</font><font style="color:#000000;"> portion of such Person or business is a Cannabis related operation. Borrower shall not, directly or indirectly, use any of the proceeds of the Loan for the purpose of purchasing or carrying any margin stock within the meaning of Regulation U of the board of governors of the Federal Reserve System, or to extend credit to any Person for the purpose of purchasing or carrying any such margin stock or for any purpose which violates, or is inconsistent with, Regulation X of said board of governors, or for any other purpose not permitted by Section 7 of the Securities Exchange Act of 1934, as amended, or by any of the rules and regulations respecting the extension of credit promulgated thereunder.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">Section 7.</font><font style="font-weight:normal;margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Events of Default</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Each or any one of the following shall constitute an Event of Default under this Agreement.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">7.1</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Event of Default</font><font style="color:#000000;">.&nbsp;&nbsp;The occurrence of any one or more of the following events or conditions shall constitute an &#8220;</font><font style="font-weight:bold;color:#000000;">Event of Default</font><font style="color:#000000;">&#8221; under this Agreement: </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(a)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">Any failure to pay any principal or interest under the Note when the same becomes due and payable and such failure continues for ten (10) days after written notice thereof to Borrower, or the failure to pay any other sum due under the Note, this Agreement or any Loan Document when the same shall become due and payable and such failure continues for ten (10) days after written notice thereof to Borrower.&nbsp;&nbsp;No notice, however, shall be required for any amounts due upon maturity; </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(b)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">Any failure or neglect to perform or observe any of the covenants, conditions or provisions of this Agreement, the Note or any other Loan Document (other than a failure or neglect described in one or more of the other provisions of this Section 7.1), and such failure or neglect either cannot be remedied or, if it can be remedied, it continues unremedied for a period of thirty (30) days after written notice thereof to Borrower;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(c)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">Any warranty, representation or statement contained in this Agreement, in the Note or in any other Loan Document or any other document or instrument executed or delivered in connection with the Loan, made or furnished to Lender by Borrower or any Guarantor, that shall be or shall prove to have been materially false when made or furnished; </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(d)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">The filing by Borrower or Guarantor (or against Borrower or Guarantor to which Borrower or Guarantor acquiesces or that is not dismissed within sixty (60) days after the filing thereof) of any proceeding under the federal bankruptcy laws now or hereafter existing or any other similar statute now or hereafter in effect; the entry of an order for relief under such laws with respect to Borrower or Guarantor; or the appointment, upon application by or with the consent of Borrower or Guarantor, of a receiver, trustee, custodian or conservator of all or any part of the assets of Borrower or Guarantor or the appointment, without the application or consent of </font></p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">-18</a>-</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="color:#000000;">Borrower or Guarantor, of a receiver, trustee, custodian or conservator of all or any part of the assets of Borrower or Guarantor, which appointment continues undischarged or unstayed for sixty (60) days;</font><font style="color:#000000;"> </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(e)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">The insolvency of Borrower or Guarantor or the execution by Borrower or Guarantor of an assignment for the benefit of creditors; or the convening by Borrower or Guarantor of a meeting of their creditors, or any class thereof, for purposes of effecting a moratorium upon or extension or composition of its debts; or the failure of Borrower or Guarantor to pay their debts as they mature; or if Borrower or Guarantor is generally not paying their debts as they mature;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(f)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">The admission in writing by Borrower or Guarantor that it is unable to pay its debts as they mature or that it is generally not paying its debts as they mature; </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(g)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">The liquidation, termination, or dissolution of Borrower or Guarantor if a corporation, limited liability company, partnership or joint venture;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(h)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">Any levy or execution upon, or judicial seizure of any portion of any Collateral;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(i)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">Any attachment or garnishment of, or the existence or filing of any lien or encumbrance, other than any lien or encumbrance permitted by this Agreement or the Deed of Trust, against any portion of any Collateral that is not removed or released within thirty (30) days after its creation; </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(j)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">The institution of any legal action or proceedings to enforce any lien or encumbrance upon any portion of any Collateral or security for the Loan, that is not dismissed within thirty (30) days after its institution other than for mechanics lien or which a bond has been posted as provided herein; or</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(k)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">A transfer, sale or conveyance of any of the Collateral prohibited under any of the Loan Documents; and/or</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(l)</font><font style="margin-left:36pt;color:#000000;"></font><font style="color:#000000;">A Change in Control.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">Section 8.</font><font style="font-weight:normal;margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Effect of an Event of Default; Remedies</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;If any Event of Default shall occur, Lender, at Lender&#8217;s option, may take any of the following actions:</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(a)</font><font style="margin-left:36pt;color:#000000;"></font><font style="letter-spacing:-0.15pt;color:#000000;">accelerate the Obligations, at Lender&#8217;s option, to become immediately due and payable, all without notice of any kind to Borrower, who specifically waives any notice of default or acceleration;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(b)</font><font style="margin-left:36pt;color:#000000;"></font><font style="letter-spacing:-0.15pt;color:#000000;">Lender may exercise any other remedy it may have under the Deed of Trust, this Agreement, any Loan Document, or any Security Document, or those available at law or in equity or by statute, including, without limitation, the rights of specific performance; and/or</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">(c)</font><font style="margin-left:36pt;color:#000000;"></font><font style="letter-spacing:-0.15pt;color:#000000;">elect to increase the interest rate to a rate (&#8220;</font><font style="font-weight:bold;text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Default Rate</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8221;) equal to five percent (5%) above the interest rate then in effect as applicable under the Note.</font></p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">-19</a>-</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Lender</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> may elect to enforce the </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Loan</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> or any of its rights or remedies successively, concurrently, or consecutively, in any order and at any time or from time to time as it may so determine in its sole and absolute discretion.&nbsp;&nbsp;No failure or delay on the part of </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Lender</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> in exercising any right, power or privilege under this Agreement, the Loan Documents or under the law, and no course of dealing between Borrower and </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Lender</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> shall operate as a waiver hereof or thereof, nor shall any single or partial exercise of any right, power or privilege hereunder preclude any other or further exercise of any other right, power or privilege.&nbsp;&nbsp;Borrower hereby waives any defense or claim of marshalling or that </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Lender</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> must proceed against any </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">particular Collateral</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> in any particular order or at any particular time.&nbsp;&nbsp;Without limiting the foregoing, upon the occurrence of an Event of Default, </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Lender</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> shall have the right, acting on its own behalf or through a court appointed receiver which may be appointed upon </font><font style="font-weight:bold;text-decoration:underline;">ex </font><font style="font-weight:bold;text-decoration:underline;">parte</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> application without notice to Borrower, to take possession of the Collateral and perform any and all work it deems advisable or necessary to protect the Improvements</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">.</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> Borrower hereby irrevocably constitutes and appoints </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Lender</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> and/or any court appointed receiver its attorney</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8209;in</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8209;fact with full power and authority upon the occurrence of an Event of Default to do all or any of the following:&nbsp;&nbsp;(a) take possession of, </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">preserve and </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">protect the Improvements; (b) </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">to collect all Rents</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">; (c) make such additions, changes and corrections in the </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Improvements and tenant finish</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> as deemed </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">reasonably </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">necessary or desirable by </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Lender</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> to </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">rent</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> the Property without loss to </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Lender</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">; (d) employ </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">c</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ontractors, subcontractors, agents, architects and other Persons that </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Lender</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> deems </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">reasonably </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">necessary or desirable to </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">install tenant finish</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">; (e) pay, settle or compromise all existing invoices, charges and claims relating to the Real Property and/or the Improvements as it deems </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">reasonably </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">necessary and clearance of title to the Real Property for protection of its interest; (f) prosecute and def</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">end all actions and proceedings, including suits to collect Rents, </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">and apply the proceeds of any judgment in any such action against any of the Obligations as it determines in its </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">reasonable </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">discretion; (g) execute, acknowledge and deliver all instruments and documents in the name of Borrower and do and perform all acts in the name of Borrower that </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Lender</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> deems</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> reasonably</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> necessary or appropriate to </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">protect</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> the Improvements; (h) sell and/or lease the Property and execute and deliver contracts, deeds, and l</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">eases in the name of Borrower.</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;&nbsp;No delay or failure of </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Lender</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> in the exercise of any right or remedy shall be deemed a waiver of any further exercise of such right or remedy or of any other rights of </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Lender</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> as to any security for the Obligations, and shall not affect the rights of </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Lender</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> to enforce payment of the </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Loan</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> and to recover judgment for any portion thereof remaining unpaid.&nbsp;&nbsp;The rights and remedies herein expressed are cumulative and not exclusive of any right or remedy that may be available to </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Lender</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> under its Loan Documents or by law or otherwise.&nbsp;&nbsp;Borrower specifically waives any obligation of </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Lender</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">, if any, to accept a deed in lieu or to pursue any Collateral at any </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">particular time</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">.</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">Section 9.</font><font style="font-weight:normal;margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Setoff</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Borrower grants to Lender a contractual possessory security interest in, and hereby assigns, conveys, delivers, pledges and transfers to Lender all of Borrower&#8217;s right, title and interest in and to the Operating Account and any of Borrower&#8217;s other accounts with Lender (whether checking, savings or some other account), including, without limitation, all accounts held jointly with someone else and all accounts Borrower may open in the future, excluding, however, all IRA, KEOGH and trust accounts.&nbsp;&nbsp;Borrower authorizes Lender, to the extent permitted by applicable law, to charge or set off all sums owing on the Loan against any and all such accounts. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">Section 10.</font><font style="font-weight:normal;margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">No Joint Venture Implied; Indemnity</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Nothing contained in this Agreement, or in any other Loan Document executed in connection with these Loan is intended nor shall it be implied to create a joint venture or partnership between Lender and Borrower.&nbsp;&nbsp;</font></p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">-20</a>-</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:bold;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;color:#000000;">Lender</font><font style="font-weight:normal;color:#000000;">&#8217;</font><font style="font-weight:normal;color:#000000;">s role is merely that of a lender and any observation of the Property is made solely for protection of </font><font style="font-weight:normal;color:#000000;">Lender</font><font style="font-weight:normal;color:#000000;">&#8217;</font><font style="font-weight:normal;color:#000000;">s security interest therein.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">Section 11.</font><font style="font-weight:normal;margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Foreign Assets Control Regulations; USA Patriot Act Notice.</font><font style="color:#000000;">&nbsp;&nbsp;</font><font style="font-weight:normal;color:#000000;">Lender hereby notifies the Borrower that pursuant to the requirements of the USA PATRIOT Act (Title III of Pub. L. 107-56, signed into law October 26, 2001), and the Lender&#8217;s policies and practices, the Lender is required to obtain, verify and record certain information and documentation that identifies the Borrower, which information includes the name and address of the Borrower and such other information that will allow the Lender to identify the Borrower in accordance with the USA Patriot Act.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">Section 12.</font><font style="font-weight:normal;margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Miscellaneous Provisions</font><font style="letter-spacing:-0.15pt;font-weight:normal;color:#000000;">.&nbsp;&nbsp;The following miscellaneous provisions are a part of this Agreement: </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">12.1</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">No Third Party Beneficiaries</font><font style="color:#000000;">.&nbsp;&nbsp;This Agreement is made for the sole protection and benefit of the parties hereto and no other Person or organization shall have any right of action hereon.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">12.2</font><font style="margin-left:36pt;color:#000000;">
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:7pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:7pt;">&nbsp;</p></font><font style="text-decoration:underline;">Integration</font><font style="color:#000000;">.&nbsp;&nbsp;This Agreement embodies the entire Agreement of the parties with regard to the subject matter hereof.&nbsp;&nbsp;There are no representations, promises, warranties, understandings or agreements expressed or implied, oral or otherwise, in relation thereto, except those expressly referred to or set forth herein.&nbsp;&nbsp;Borrower and Lender hereby disclaim any implied covenants, including, without limitation, the implied covenant of good faith and fair dealing.&nbsp;&nbsp;Borrower acknowledges that the execution and delivery of this Agreement is its free and voluntary act and deed, and that said execution and delivery have not been induced by, nor done in reliance upon, any representations, promises, warranties, understandings or agreements made by Lender, its agents, officers, employees or representatives.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">12.3</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Modifications</font><font style="color:#000000;">.&nbsp;&nbsp;No promise, representation, warranty or agreement made subsequent to the execution and delivery of this Agreement by any party hereto, and no revocation, partial or otherwise, or change, amendment or addition to, or alteration or modification of, this Agreement shall be valid unless the same shall be in writing signed by all parties hereto.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">12.4</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Caption Headings</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Caption headings in this Agreement are for convenience purposes only and are not to interpret or define the provisions of this Agreement. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">12.5</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Assignments and Participations and Information Sharing</font><font style="color:#000000;">.&nbsp;&nbsp;Lender, at any time, shall have the right to sell, assign, transfer, or negotiate the Loan and the Loan Documents, in whole or in part, and to grant participation interests in the Loan and the Loan Documents.&nbsp;&nbsp;Borrower hereby acknowledges and agrees that any such disposition shall give rise to a direct obligation of Borrower to each such assignee or participant.&nbsp;&nbsp;Lender is authorized, without any limitations whatsoever, to share with any actual or prospective assignee or participant, any Lender&#8217;s affiliate, any derivative counter parties and any rating agencies, any customer information or document that Lender may have or obtain regarding the Loan, the Loan Documents, the Property, or the Borrower.&nbsp;&nbsp;In addition, Lender is authorized, without any limitations whatsoever, to furnish such information to affiliates of Lender</font><font style="letter-spacing:-0.15pt;color:#000000;">.</font></p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">-21</a>-</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="text-decoration:none;Background-color:#auto;">12.6</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Costs and Expenses</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower agrees to pay upon demand all of </font><font style="letter-spacing:-0.15pt;color:#000000;">Lender</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8217;</font><font style="letter-spacing:-0.15pt;color:#000000;">s reasonable out</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8209;of</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8209;pocket expenses incurred after the date hereof in connection with the enforcement of this Agreement or any other Loan Document.&nbsp;&nbsp;This includes </font><font style="letter-spacing:-0.15pt;color:#000000;">Lender</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8217;</font><font style="letter-spacing:-0.15pt;color:#000000;">s appraisal fees, inspection fees, reasonable attorney fees and legal expenses, </font><font style="letter-spacing:-0.15pt;color:#000000;">whether or not</font><font style="letter-spacing:-0.15pt;color:#000000;"> there is a lawsuit, appeals, and any anticipated post</font><font style="letter-spacing:-0.15pt;color:#000000;">&#8209;judgment collection services.&nbsp;&nbsp;Borrower also will pay any court costs, in addition to all other sums provided by law. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">12.7</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Choice of Law</font><font style="color:#000000;">.&nbsp;&nbsp;This Agreement shall be governed by and construed according to the laws of the State of Colorado, without giving effect to conflict of laws principles.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">12.8</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Partial Payments</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Borrower agrees that partial payments of any installment or amount due to Lender, even if indorsed and negotiated by Lender, shall not constitute an accord and satisfaction of the full installment or amount due unless Borrower follows the following procedures:&nbsp;&nbsp;Any proposal by Borrower for a partial payment/accord and satisfaction must be presented directly to the officer handling the administration of the Loan, together with correspondence specifically requesting that Borrower be relieved of the balance of the obligation, and stating the specific dollar amount of the requested release.&nbsp;&nbsp;Lender may unilaterally reject such proposal.&nbsp;&nbsp;Such proposal shall only be deemed accepted if such officer responds to Borrower in writing specifically relieving Borrower of the balance of the obligation by identifying the amount forgiven in a specific dollar amount.&nbsp;&nbsp;In the event Lender cashes an instrument under which Borrower asserts an accord and satisfaction, Lender shall have one (1) year from the date the instrument was negotiated to return the partial payment and rescind the accord and satisfaction. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">12.9</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Notices</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;All notices required to be given under this Agreement shall be given in writing by any one of the following means (a) by hand delivery or electronic means such as e-mail, (b) by nationally recognized overnight courier service, or (c) by certified mail, postage prepaid, with return receipt requested. Notice shall be deemed given: (a) by any method, upon receipt, (b) if sent by nationally recognized overnight courier service, on the Business Day after the day of deposit with a nationally recognized service or (c) if sent US Mail, on the third Business Day after the notice is deposited in the mail. Any party may change its address for notices under this Agreement by giving formal written notice to the other parties, specifying that the purpose of the notice is to change the party&#8217;s address.&nbsp;&nbsp;For notice purposes, Borrower agrees to keep Lender informed at all times of Borrower&#8217;s current address(es). </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">12.10</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Severability</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;If a court of competent jurisdiction finds any provision of this Agreement to be invalid or unenforceable as to any Person or circumstances, such finding shall not render that provision invalid or unenforceable as to any other Persons or circumstances.&nbsp;&nbsp;If feasible, any such offending provision shall be deemed to be modified to be within the limits of enforceability or validity; however, if the offending provision cannot be so modified, it shall be stricken and all other provisions of this Agreement in all other respects shall remain valid and enforceable. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">12.11</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Standard of Review</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Whenever any of the Loan Documents require Lender&#8217;s consent or approval, such consent or approval may be granted or withheld by Lender in Lender&#8217;s sole and absolute discretion, for any reason or no reason whatsoever, unless the context of such sentence specifically requires Lender to act reasonably.&nbsp;&nbsp;In such cases, it shall be reasonable for Lender to act in accordance with the terms of the Loan Documents or as would otherwise be reasonable for national </font></p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">-22</a>-</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="letter-spacing:-0.15pt;color:#000000;">Lender</font><font style="letter-spacing:-0.15pt;color:#000000;">s located in </font>Denver, Colorado<font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;In either case, </font><font style="letter-spacing:-0.15pt;color:#000000;">Lender</font><font style="letter-spacing:-0.15pt;color:#000000;"> may impose additional</font><font style="letter-spacing:-0.15pt;color:#000000;"> reasonable </font><font style="letter-spacing:-0.15pt;color:#000000;">conditions and requirements prior to granting such consents or approvals. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">12.12</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Days</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;If the day for performance of any act or duty herein is on a Saturday, Sunday or a day upon which national lending associations are closed, the day for performance shall be the following day upon which national lending associations are open for business.&nbsp;&nbsp;When counting days, calendar days shall be used, unless the words &#8220;business day&#8221; appears in the text of the applicable sentence, in which case business days shall mean days other than Saturday, Sunday or upon days which national lending associations are closed for business. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">12.13</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Counterparts</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;This Agreement may be executed in separate counterparts, which together shall constitute a single, original document. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">12.14</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Conflicts</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;In the event of any conflict between the terms of the Loan Documents, then the terms of the Note, this Agreement, and the Deed of Trust shall govern in that order to the extent of the conflict.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">12.15</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">Delays</font><font style="letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;Time is of the essence in Borrower&#8217;s performance and compliance with the terms, conditions and covenants contained herein.&nbsp;&nbsp;No failure or delay by Lender in requiring compliance with the terms, covenants or conditions shall act as a waiver or release of Borrower&#8217;s obligation to comply with the terms, covenants or conditions hereof.&nbsp;&nbsp;Specifically, Lender&#8217;s disbursement of funds as an initial Advance without requiring strict compliance with the conditions of this Agreement shall not bar or estop Lender from insisting upon strict compliance with the conditions stated herein for any subsequent Advance. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">12.16</font><font style="margin-left:36pt;color:#000000;"></font><font style="font-weight:bold;text-decoration:underline;letter-spacing:-0.15pt;color:#000000;">WAIVER OF SPECIAL DAMAGES</font><font style="font-weight:bold;letter-spacing:-0.15pt;color:#000000;">.&nbsp;&nbsp;BORROWER WAIVES, TO THE MAXIMUM EXTENT NOT PROHIBITED BY LAW, ANY RIGHT BORROWER MAY HAVE TO CLAIM OR RECOVER FROM LENDER IN ANY LEGAL ACTION OR PROCEEDING ANY SPECIAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL DAMAGES.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">12.17</font><font style="margin-left:36pt;color:#000000;"></font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Jury Trial Waiver</font><font style="font-weight:bold;color:#000000;">.&nbsp;&nbsp;THE UNDERSIGNED AND LENDER (BY ITS ACCEPTANCE HEREOF) HEREBY VOLUNTARILY, KNOWINGLY, IRREVOCABLY AND UNCONDITIONALLY WAIVE ANY RIGHT TO HAVE A JURY PARTICIPATE IN RESOLVING ANY DISPUTE (WHETHER BASED UPON CONTRACT, TORT OR OTHERWISE) BETWEEN OR AMONG THE UNDERSIGNED AND LENDER ARISING OUT OF OR IN ANY WAY RELATED TO THIS DOCUMENT, ANY OTHER RELATED DOCUMENT, OR ANY RELATIONSHIP BETWEEN THE UNDERSIGNED AND LENDER.&nbsp;&nbsp;THIS PROVISION IS A MATERIAL INDUCEMENT TO LENDER TO PROVIDE THE FINANCING DESCRIBED HEREIN OR IN THE OTHER LOAN DOCUMENTS.&nbsp;&nbsp;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">12.18</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Imaging</font><font style="color:#000000;">.&nbsp;&nbsp;Lender shall be entitled, in its sole discretion, to image all or any selection of the instruments, other documents, items and records governing, arising from or relating to any of the Borrower&#8217;s loan or loans, and may destroy or archive the paper originals.&nbsp;&nbsp;The parties hereto waive any right to insist the Lender produce paper originals.&nbsp;&nbsp;The parties hereto waive any right to insist the Lender produce paper originals, agree that such images shall be accorded the same force </font></p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">-23</a>-</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="color:#000000;">and effect as the paper originals, and further agree that the </font><font style="color:#000000;">Lender</font><font style="color:#000000;"> is entitled to use such images in lieu of destroyed or archived originals for any purpose, including as admissible evidence in any demand, presentment or proceedings.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">12.19</font><font style="margin-left:36pt;color:#000000;"></font><font style="text-decoration:underline;color:#000000;">Document Preparation.</font><font style="color:#000000;">&nbsp;&nbsp;This Agreement and the other Loan Documents have been drafted by Sherman &amp; Howard L.L.C. acting as counsel for the Lender. Although Borrower may be responsible to reimburse Lender for its legal fees incurred in connection with the Closing, no attorney client relationship shall exist between Sherman &amp; Howard L.L.C. and any parties other than Lender. </font></p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">[SIGNATURE PAGES FOLLOW]</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">IN WITNESS WHEREOF<font style="font-weight:normal;">, the parties hereto have executed this Agreement as of the day and year first above written. </font></p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;Lender&#8221; </p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-weight:bold;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">GREAT WESTERN BANK</p>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:5.77%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">By: <font style="text-decoration:underline;">/s/ Christopher Melin_</font>________________</p>
<p style="margin-bottom:6pt;text-align:justify;margin-top:0pt;margin-left:46.15%;text-indent:4.81%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Christopher Melin, Commercial Loan Officer</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;letter-spacing:-0.1pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Address:&nbsp;&nbsp;<font style="color:#000000;">1900 9<sup style="font-size:85%;line-height:120%;vertical-align:top">th</sup> Street, Boulder, CO 80302</font> </p>
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<p style="margin-bottom:0pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:32.05%;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">[Signature Page to Loan Agreement]</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;Borrower&#8221;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-weight:bold;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">BOULDER ROAD LLC<font style="font-weight:normal;">, a Colorado limited liability company</font></p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:-7.69%;"><font style="margin-left:36pt;"></font>&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:48.08%;text-indent:-0.96%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;&nbsp;By: GAIA, INC. a Colorado corporation, its manager</p>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:1.92%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; By: <font style="text-decoration:underline;">/s/ Paul Tarell</font>______________________</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:1.92%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Paul Tarell, Chief Financial Officer</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;letter-spacing:-0.1pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:-7.69%;"><font style="margin-left:36pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font>&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;letter-spacing:-0.1pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:-7.69%;"><font style="margin-left:36pt;"></font>&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-weight:bold;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">WESTSIDE BOULDER, LLC, <font style="font-weight:normal;">a California limited liability company</font></p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:1.92%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; By: <font style="text-decoration:underline;">/s/ Jonathan Condos</font>__________________</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:1.92%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Jonathan Condos, Manager</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Notice Address for Borrower:</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">833 W. South Boulder Road</p>
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<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">[Signature Page to Loan Agreement]</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:bold;letter-spacing:-0.1pt;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;"><font style="text-decoration:underline;">EXHIBIT A </font></p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:bold;letter-spacing:-0.1pt;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;"><font style="text-decoration:underline;">Description of Property </font></p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Units 1 and 2, Boulder Road Condominiums, according to the Condominium Map of Boulder Road recorded on June 21, 2017 at Reception No. 3599104, and as defined by the Condominium Declaration of Boulder Road recorded on June 21, 2017 at Reception No. 3599120 in the Office of the Clerk and Recorder, Boulder County, Colorado.</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">[Signature Page to Loan Agreement]</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">EXHIBIT 10.1</font></p>
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<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-family:Times New Roman;letter-spacing:-0.15pt;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">EXHIBIT B</font></p>
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<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">INSURANCE REQUIREMENTS</p>
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<p style="margin-top:12pt;text-align:justify;margin-bottom:0pt;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">I.</font></p></td>
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<p style="margin-top:12pt;text-align:justify;margin-bottom:0pt;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="text-decoration:underline;">PROPERTY INSURANCE </font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">A.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="text-decoration:underline;">DURING CONSTRUCTION IF ANY</font></p></td></tr></table></div>
<p style="margin-top:12pt;text-align:justify;margin-bottom:0pt;margin-left:11.54%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">An ORIGINAL (or certified copy) Builder&#8217;s All-Risk, Completed Value, Non-Reporting Form Policy or ORIGINAL Accord 27 Certificate of Insurance naming the borrowing entity as an insured, reflecting coverage of 100% of the replacement cost, and written by a carrier approved by Lender with a current A.M. Best&#8217;s Insurance Guide Rating of at least A- IX (which is authorized to do business in the state in which the property is located) that affirmatively includes the following:</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">1.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">Mortgagee Clause naming Great Western Bank as Mortgagee with a 30-day notice to Lender in the event of cancellation, non-renewal or material change.&nbsp;&nbsp;Address for Great Western Bank, as follows:</font></p></td></tr></table></div>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:11.54%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:23.08%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Great Western Bank</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;"><font style="margin-left:36pt;"></font><font style="color:#000000;">1900 9<sup style="font-size:85%;line-height:120%;vertical-align:top">th</sup> Street, Boulder, CO 80302</font> </p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Lender&#8217;s Loss Payable Endorsement with a Severability of Interest Clause with a 10-day notice to Lender in the event of cancellation, non-renewal or material change</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">2.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">Replacement Cost Endorsement</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">3.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">No Exclusion for Acts of Terrorism</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">4.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">No Coinsurance Clause</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">5.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">Flood Insurance</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">6.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">Collapse and Earthquake Coverage</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">7.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">Vandalism and Malicious Mischief Coverage</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">8.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">Boiler and Machinery Coverage</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">9.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">10.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">11.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">Partial Occupancy Permitted</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">12.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">Borrower&#8217;s coverage is primary and non-contributory with any insurance or self-insurance carried by Great Western Bank</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">13.</font></p></td>
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<p style="margin-top:12pt;text-align:justify;margin-bottom:0pt;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="margin-top:12pt;text-align:justify;margin-bottom:0pt;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">B.</font></p></td>
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<p style="margin-top:12pt;text-align:justify;margin-bottom:0pt;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="text-decoration:underline;text-transform:uppercase;">Upon Completion</font></p></td></tr></table></div>
<p style="margin-top:12pt;text-align:justify;margin-bottom:0pt;margin-left:11.54%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">An ORIGINAL (or certified copy) All-Risk Hazard Insurance Policy or ORIGINAL Accord 27 Certificate of Insurance naming the borrowing entity as an insured, </p>
<p style="margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:7pt;font-family:CG Times;letter-spacing:-0.05pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><img src="glpnihjjemhk000001.jpg" title="" alt="" style="width:621px;height:19px;"></p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-top:12pt;text-align:justify;margin-bottom:0pt;margin-left:11.54%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">reflecting coverage of 100% of the replacement cost, and written by a carrier approved by </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Lender</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> with a current A.M. Best</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8217;</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">s Insurance Guide Rating of at least A- IX (which is authorized to do business in the state in which the property is located) that affirmatively includes the following:</font></p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">1.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">Mortgagee Clause naming Great Western Bank as Mortgagee with a 30-day notice to Lender in the event of cancellation, non-renewal or material change.&nbsp;&nbsp;Address for Great Western Bank is as follows:</font></p></td></tr></table></div>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:11.54%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:23.08%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Great Western Bank</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;"><font style="margin-left:36pt;"></font><font style="color:#000000;">1900 9<sup style="font-size:85%;line-height:120%;vertical-align:top">th</sup> Street, Boulder, CO 80302</font> </p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">2.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">Lender&#8217;s Loss Payable Endorsement with a Severability of Interest Clause with a 30-day notice to Lender in the event of cancellation, non-renewal or material change</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">3.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">Replacement Cost Endorsement</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">4.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">No Exclusion for Acts of Terrorism</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">5.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">No Coinsurance Clause</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">6.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">Boiler and Machinery Coverage</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">7.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">Sprinkler Leakage Coverage</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">8.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">Vandalism and Malicious Mischief Coverage</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">9.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">Flood Insurance</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">10.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">Loss of Rents Insurance in an amount of not less than 100% of one year&#8217;s Rental Value of the Property.&nbsp;&nbsp;&#8220;Rental Value&#8221; shall include:</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">a)</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">The total projected gross rental income from tenant occupancy of the Property as set forth in the Budget,</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">b)</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">The amount of all charges which are the legal obligation of tenants and which would otherwise be the obligation of Borrower, and</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">c)</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">The fair rental value of any portion of the Property which is occupied by Borrower.</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">11.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">One year&#8217;s business interruption insurance in an amount acceptable to Lender</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">12.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">Collapse and Earthquake Coverage</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">13.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">Extra Expense Coverage</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">14.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">Borrower&#8217;s coverage is primary and non-contributory with any insurance or self-&nbsp;&nbsp; insurance carried by Great Western Bank</font></p></td></tr></table></div>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">[Exhibit B to Loan Agreement]</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">15.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:12pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="text-decoration:none;Background-color:#auto;"></font><font style="color:#000000;"></font><font style="color:#000000;">Waiver of Subrogation against any party whose interest are covered in the policy</font></p></td></tr></table></div>
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<p style="margin-top:12pt;text-align:justify;margin-bottom:0pt;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="margin-top:12pt;text-align:justify;margin-bottom:0pt;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">II.</font></p></td>
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<p style="margin-top:12pt;text-align:justify;margin-bottom:0pt;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="text-decoration:underline;">LIABILITY INSURANCE</font></p></td></tr></table></div>
<p style="margin-top:12pt;text-align:justify;margin-bottom:0pt;margin-left:5.84%;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">BORROWER:&nbsp;&nbsp;<font style="font-weight:normal;">An </font><font style="text-transform:uppercase;font-weight:normal;">Original</font><font style="font-weight:normal;"> Accord 25 Certificate of General Comprehensive Liability Insurance naming the borrowing entity as an insured, providing coverage on an &#8220;occurrence&#8221; rather than a &#8220;claims made&#8221; basis and written by a carrier approved by Lender with a current A.M Best&#8217;s Insurance Guide Rating of at least A- IX (which is authorized to do business in the state in which the property is located) that affirmatively includes the following:</font></p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">2.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">General commercial liability policy limit of at least $1,000,000.00 each occurrence and $10,000,000 in aggregate, applying liability for Bodily Injury, Personal Injury, Property Damage, Contractual, Products and Completed Operations which combined limit may be satisfied by the limit afforded under the Commercial General Liability Policy, or by such Policy in combination with the limits afforded by an Umbrella or Excess Liability Policy (or policies); provided, the coverage afforded under any such Umbrella or Excess Liability Policy is at least as broad in all material respects as that afforded by the underlying Commercial General Liability Policy.</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">3.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">No Exclusion for Acts of Terrorism.</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">4.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">Aggregate limit to apply per location.</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">5.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">Borrower&#8217;s coverage is primary and non-contributory with any insurance or self-insurance carried by Great Western Bank.</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-weight:normal;font-style:normal;text-decoration:none;Background-color:#auto;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;">6.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:6pt;font-weight:normal;font-style:normal;color:#auto;text-transform:none;font-variant: normal;letter-spacing:0pt;font-family:Times New Roman;font-size:12pt;"><font style="Background-color:#auto;text-decoration:none;"></font><font style="color:#000000;">Waiver of Subrogation against any party whose interest are covered in the policy.</font></p></td></tr></table></div>
<p style="margin-bottom:12pt;margin-top:12pt;text-align:justify;margin-left:5.84%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Additional Insured Endorsement naming Great Western Bank, as an additional insured with a 10-day notice to Lender in the event of cancellation, non-renewal or material change.&nbsp;&nbsp;A Severability of Interests provision should be included.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:5.77%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Address for Great Western Bank, is as follows:</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:5.77%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:23.08%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Great Western Bank</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;"><font style="margin-left:36pt;"></font><font style="color:#000000;">1900 9<sup style="font-size:85%;line-height:120%;vertical-align:top">th</sup> Street, Boulder, CO 80302</font> </p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-top:12pt;text-align:justify;margin-bottom:0pt;margin-left:5.77%;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">CONTRACTOR:&nbsp;&nbsp;<font style="font-weight:normal;">An </font><font style="text-transform:uppercase;font-weight:normal;">Original</font><font style="font-weight:normal;"> Accord 25 Certificate of General Comprehensive Liability Insurance naming the Contractor as an </font><font style="text-decoration:underline;font-weight:normal;">insured</font><font style="font-weight:normal;">, providing coverage on an &#8220;occurrence&#8221; rather than a &#8220;claims made&#8221; basis and written by a carrier approved by Lender with a current A.M. Best&#8217;s Insurance Guide Rating of at least A- IX (which is authorized to do business in the state in which the property is located) that affirmatively includes the following:</font></p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:5.84%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:5.77%;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:CG Times;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">A.</font><font style="font-size:11pt;margin-left:36pt;color:#000000;"></font><font style="font-family:Times New Roman;color:#000000;">Combined general liability policy limit in an amount of at least $5,000,000.00 each occurrence, applying liability for Bodily Injury, Personal Injury, Property Damage, Contractual, Products and Completed Operations which combined limit may be satisfied by the limit afforded under the Commercial General Liability Policy, or by such Policy in combination with the limits afforded by an Umbrella or Excess Liability Policy (or policies); </font></p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">[Exhibit B to Loan Agreement]</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:5.77%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:CG Times;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="font-family:Times New Roman;color:#000000;">provided, the coverage afforded under any such Umbrella or Excess Liability Policy is at least as broad in all material respects as that afforded by the underlying Commercial General Liability Policy.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:5.77%;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:CG Times;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">B.</font><font style="font-size:11pt;margin-left:36pt;color:#000000;"></font><font style="font-family:Times New Roman;color:#000000;">No Exclusion for Acts of Terrorism </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:5.77%;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:CG Times;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">C.</font><font style="font-size:11pt;margin-left:36pt;color:#000000;"></font><font style="font-family:Times New Roman;color:#000000;">Aggregate limit to apply per location</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:5.77%;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:CG Times;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">D.</font><font style="font-size:11pt;margin-left:36pt;color:#000000;"></font><font style="font-family:Times New Roman;color:#000000;">Contractor&#8217;s coverage is primary and non-contributory with any insurance or self-insurance carried by Great Western Bank.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:5.77%;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:CG Times;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">E.</font><font style="font-size:11pt;margin-left:36pt;color:#000000;"></font><font style="font-family:Times New Roman;color:#000000;">Waiver of Subrogation against any party whose interest are covered in the policy</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:5.77%;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:CG Times;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">F.</font><font style="font-size:11pt;margin-left:36pt;color:#000000;"></font><font style="font-family:Times New Roman;color:#000000;">Additional Insured Endorsement naming Borrower and Great Western Bank as an additional insureds with a 30-day notice to Lender in the event of cancellation, non-renewal or material change.&nbsp;&nbsp;A Severability of Interests provision should be included.</font></p>
<p style="margin-top:12pt;text-align:justify;margin-bottom:0pt;margin-left:5.77%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Address for Great Western Bank, a federally chartered savings Lender, is as follows:</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:23.08%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:23.08%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Great Western Bank</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;"><font style="margin-left:36pt;"></font><font style="color:#000000;">1900 9<sup style="font-size:85%;line-height:120%;vertical-align:top">th</sup> Street, Boulder, CO 80302</font> </p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:23.08%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">III.</font></p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="text-decoration:underline;">WORKER&#8217;S COMPENSATION</font></p></td></tr></table></div>
<p style="margin-top:12pt;text-align:justify;margin-bottom:0pt;margin-left:5.77%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">An <font style="text-transform:uppercase;">Original</font> Certificate indicating Worker&#8217;s Compensation coverage in the statutory amount and Employer&#8217;s Liability Coverage with minimum limits of $500,000 / $500,000 / $500,000 naming the General Contractor and written by a carrier approved by Lender.</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;line-height:5pt;margin-bottom:0pt;text-indent:0%;font-weight:normal;font-style:normal;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">[Exhibit B to Loan Agreement]</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667753.1</p></body>
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<TYPE>EX-10.2
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<FILENAME>gaia-ex102_7.htm
<DESCRIPTION>EX-10.2
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<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">Exhibit 10.2</font></p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">UNCONDITIONAL GUARANTY OF PAYMENT</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:-7.69%;">This Unconditional Guaranty of Payment (&#8220;<font style="font-weight:bold;text-decoration:underline;">Guaranty</font>&#8221;) is dated as of the 28th day of December, 2020, between <font style="font-weight:bold;">GAIA, INC.</font>, a Colorado corporation (&#8220;<font style="font-weight:bold;text-decoration:underline;">Guarantor</font>&#8221;), whose address is 833 W. South Boulder Road, Building G, Louisville, Colorado 80027, for the benefit of <font style="font-weight:bold;">GREAT WESTERN BANK </font>(&#8220;<font style="font-weight:bold;text-decoration:underline;">Lender</font>&#8221;), whose address is <font style="color:#000000;">1900 9<sup style="font-size:85%;line-height:120%;vertical-align:top">th</sup> Street, Boulder, CO 80302</font>. </p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">RECITALS</font><font style="font-weight:normal;">:</font></p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">A.</font></p></td>
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<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;">Boulder Road LLC, a Colorado limited liability company and Westside Boulder, LLC, a California limited liability company (collectively &#8220;<font style="font-weight:bold;text-decoration:underline;">Borrower</font>&#8221;) has requested that Lender extend to Borrower a loan (&#8220;<font style="font-weight:bold;text-decoration:underline;">Loan</font>&#8221;) secured by an office complex located in Boulder County, Colorado as more thoroughly described in that certain Loan Agreement, of even date herewith, among Borrower and Lender (as may be amended, modified and/or amended and restated, the &#8220;<font style="font-weight:bold;text-decoration:underline;">Loan Agreement</font>&#8221;).</p></td></tr></table></div>
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<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">B. </font></p></td>
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<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;">Lender is willing to extend the Loan to Borrower on the condition that Guarantor unconditionally guarantees the prompt payment of the amounts described below now or hereafter owed by Borrower to Lender under the terms and conditions as stated herein.</p></td></tr></table></div>
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<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">C.</font></p></td>
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<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;">Guarantor owns, either directly or indirectly, a membership interest in Boulder Road, LLC and will benefit if Lender makes the Loan to Borrower.&nbsp;&nbsp;Accordingly, the undersigned has agreed to execute this Guaranty for the benefit of Lender.</p></td></tr></table></div>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;text-transform:uppercase;font-size:12pt;font-family:Times New Roman;font-style:normal;font-variant: normal;"><font style="text-decoration:underline;">AGREEMENT</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">1.</font><font style="margin-left:36pt;color:#000000;"></font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Definitions</font><font style="color:#000000;">.&nbsp;&nbsp;Unless otherwise defined herein, all capitalized terms shall have the meaning provided in the Loan Agreement.  In addition, the following terms shall have the following meanings:</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:15.38%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Hlk58684585"></a>Obligations<font style="font-weight:normal;"><a name="_Hlk58684585"></a> shall mean any and all existing or future (a) obligations owed by Borrower to Lender under the Loan Agreement and other Loan Documents including, without limitation, the obligations to repay principal, interest, costs and expenses, and all other amounts due; (b) all other loans, advances, credit, indebtedness, letters of credit and other financial accommodations now or hereafter owed by Borrower to Lender; (c) all interest, post-maturity interest, default interest, interest accruing subsequent to the filing of a petition for protection under the United States Bankruptcy Code, costs, expenses, late charges, prepayment penalties, amounts advanced to protect Lender&#8217;s interest in the Collateral (as that term is defined in the Loan Agreement), and any other amounts chargeable under the terms of such loans, indebtedness or financial accommodations; and (d) the payment, performance and observance by Borrower of all obligations, liabilities, contingent reimbursement obligations, fees, and expenses owing by Borrower to the Lender or any of its affiliates arising out of any (i) interest rate swap, hedge or collar agreements in connection with the Loan.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">2.</font><font style="margin-left:36pt;color:#000000;"></font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Guaranty and Indemnification</font><font style="color:#000000;">.&nbsp;&nbsp;For value received, and in consideration of and as an inducement for Lender to make the Loan to or for the account of Borrower, Guarantor hereby unconditionally guarantees the prompt payment, performance, and observance of the Obligations, upon demand, when due by reason of acceleration or otherwise.&nbsp;&nbsp;Guarantor further </font></p>
<p style="margin-top:12pt;text-align:left;margin-bottom:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667782.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="color:#000000;">agrees to pay and to indemnify Lender for all costs and expenses, including, without limitation, reasonable attorneys</font><font style="color:#000000;">&#8217;</font><font style="color:#000000;"> fees incurred by Lender in endeavoring to collect the Obligations and to enforce this Guaranty.&nbsp;&nbsp;Such attorneys</font><font style="color:#000000;">&#8217;</font><font style="color:#000000;"> fees shall include any and all fees or costs </font><font style="color:#000000;">actually incurred and </font><font style="color:#000000;">commonly charged by law firms in relation to such matters, such as attorneys</font><font style="color:#000000;">&#8217;</font><font style="color:#000000;"> fees for appeals or bankruptcies and fees for paralegals and legal assistants.&nbsp;&nbsp;The right of recovery against Guarantor under this Guaranty is in addition to Guarantor</font><font style="color:#000000;">&#8217;</font><font style="color:#000000;">s liability under any other obligations or guaranties of Guarantor for the benefit of Lender.&nbsp;&nbsp;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">3.</font><font style="margin-left:36pt;color:#000000;"></font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Guaranty Absolute</font><font style="color:#000000;">. This Guaranty is an absolute, unconditional, continuing and unlimited guaranty of the full and punctual payment and performance by the Borrower of the Obligations and not of their collectability only and is in no way conditioned upon any requirement that Lender first attempt to collect any of the Obligations from the Borrower, any other guarantor, or any other person, or resort to any security for the Obligations or to other means of obtaining payment of any of the Obligations which Lender now has or may acquire after the date hereof, or upon any other contingency whatsoever, and Lender, may proceed hereunder against Guarantor in the first instance to collect the Obligations when due, without first proceeding against the Borrower, any other guarantor or any other individual person or entity and without first resorting to any security or other means of obtaining payment. The obligations of Guarantor hereunder are irrevocable. Upon any Event of Default under the Loan Documents, the liabilities and obligations of Guarantor hereunder shall, at the option of Lender, become forthwith due and payable to Lender. Payments by Guarantor hereunder may be required by Lender on any number of occasions such as on each date when interest or principal payments are due.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">4.</font><font style="margin-left:36pt;color:#000000;"></font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Rights of Lender</font><font style="color:#000000;">.&nbsp;&nbsp;Guarantor hereby agrees that Lender may, at its option, without notice to or further consent of Guarantor, take any of the following actions:&nbsp;&nbsp;(a) sell, assign or transfer this Guaranty in connection with an assignment of the Obligations; (b)&#160;renew, from time to time, for any period, any Obligations, in whole or in part; (c) extend or accelerate or otherwise change, from time to time, the time for payment of the Obligations; (d)&#160;retain or obtain, in addition to this Guaranty, a security interest in any property to secure all or any part of the Obligations; (e) retain the primary or secondary liability of any party in addition to Guarantor with respect to all or any part of the Obligations; (f) release its security interest, if any, in any property securing any of the Obligations, permit any substitution or exchange for any such property, or fail to perfect or continue to perfect any security interest for any such property; (g) release or compromise any liability of any other guarantor, maker, accommodation party, or any other party with respect to the Obligations or any security therefor; and (h) amend, modify, delete or add any term or condition of or to any of the Obligations, even if the same materially changes the nature or amount of Borrower&#8217;s obligations (such as an increase in the principal amount or interest rate).&nbsp;&nbsp;If Lender has previously taken any action described above, Guarantor hereby consents and ratifies such previous actions, even if unknown to Guarantor.&nbsp;&nbsp;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">5.</font><font style="margin-left:36pt;color:#000000;"></font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Waiver of Defenses</font><font style="color:#000000;">.&nbsp;&nbsp;Guarantor hereby, to the fullest extent permitted under applicable law, expressly waives (a) notice of the acceptance of this Guaranty, (b) notice of the existence or creating of all or any part of the Obligations, (c) notice of termination as to future liability given by any other guarantor, (d) any right to require Lender to proceed against Borrower or any security held in relation to the Obligations or to pursue any other right or remedy in Lender&#8217;s power or, if Lender does elect to pursue a right or remedy, Guarantor waives </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2</a></p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667782.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="color:#000000;">any requirement that Lender do so at any particular time or in any particular order; (e) the benefits of any statutory provision limiting the liability of a surety, including, without limitation, the provisions of Colorado Revised Statutes &#167;13-50-103, (f) any defense that the guaranty of the obligations is against public policy, (g) any defense that the guaranty is an unenforceable penalty, (h) any defense based on the theory of unconscionability, (i) any defense based on fraud or fraud in the inducement (for the avoidance of doubt the Guarantor specifically intends to apply the economic loss rule to the interpretation of this Guaranty), (j) any defense based upon any theory, such as deceptive business practices, that interest rates were inflated or calculated incorrectly, (k) any defense arising by reason of any disability or other defense available to the Borrower or any other guarantor or by reason of the cessation from any cause whatsoever (other than payment in full) of the liability of the Borrower or any other guarantor, (l) any defense or discharge based upon suretyship or impairment of collateral to the fullest extent permitted by law, including, without limitation, to the extent permitted under C.R.S. &#167;4-3-605, and (m) any other defense available to Guarantor at law or in equity other than payment of the Obligations.&nbsp;&nbsp;Lender&#8217;s right of recovery shall exist notwithstanding (i) the fact that the Obligations may be non-recourse debt as to Borrower, (ii) any right or defense of Borrower or anyone else to contest to the genuineness, regularity, validity or enforceability of any of the Obligations, (iii) any defense that Lender elected a remedy or is limited by a single action rule of law, and (iv) any defense based on any anti-deficiency statutes including without limitation, C.R.S. &#167;38-38-106.&nbsp;&nbsp;Until the Obligations are paid in full, Guarantor waives any benefit of, and any right to participate in, any security now or hereafter held by Lender</font><font style="color:#000000;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">6.</font><font style="margin-left:36pt;color:#000000;"></font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Extent of Liability; Remedies</font><font style="color:#000000;">.&nbsp;&nbsp;(a)&nbsp;&nbsp;Guarantor agrees that upon an Event of Default, Guarantor will pay to Lender, upon demand, the Obligations.&nbsp;&nbsp;Guarantor further agrees that this Guaranty shall continue to be effective or be reinstated, as the case may be, if payment, or any part thereof, of the Obligations is rescinded or must otherwise be returned by Lender upon the insolvency, bankruptcy or reorganization of Borrower, Guarantor or any other person or otherwise, all as though such payment to Lender had not been made.&nbsp;&nbsp;(b) No delay or neglect on the part of Lender in the exercise of any right or remedy existing under law or by virtue of this Guaranty shall operate as a waiver thereof, but such rights and remedies shall continue in full force and effect until specifically waived or released by an instrument in writing executed by Lender and designated as a waiver or release; and no single or partial exercise by Lender of any right or remedy shall preclude further exercise thereof or the exercise of any other right or remedy.&nbsp;&nbsp;(c) No action of Lender permitted hereunder shall in any way impair or affect this Guaranty.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">7.</font><font style="margin-left:36pt;color:#000000;"></font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Subordination/Subrogation</font><font style="color:#000000;">.&nbsp;&nbsp;Upon the occurrence of an Event of Default, Guarantor subordinates each of the following to the prior payment of all of the Obligations (i) any right to payment of any loan or other Debt (as defined in the Loan Agreement) now or hereafter made or extended by Guarantor to Borrower, (ii) any and all rights of indemnity, reimbursement, contribution, or subrogation which Guarantor may now or hereafter have against Borrower, and (ii) the payment of any management fees or other compensation.&nbsp;&nbsp;Guarantor shall not, without the prior written consent of Lender, accept payment on any such subordinate obligations and shall not take any action to enforce any such subordinate obligations.&nbsp;&nbsp;This subordination is unconditional and shall remain in full force and effect until the Obligations have been paid in full.&nbsp;&nbsp;Guarantor hereby indemnifies Lender against any and all costs, claims, losses or liabilities, including reasonable attorneys&#8217; fees, which it may at any time, sustain or incur as a </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3</a></p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667782.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="color:#000000;">result of preference claims in </font><font style="color:#000000;">b</font><font style="color:#000000;">ankruptcy on behalf of Borrower</font><font style="color:#000000;">&#8217;</font><font style="color:#000000;">s bankruptcy estate.&nbsp;&nbsp;This Guaranty shall be continuing, and, if Lender is required by applicable bankruptcy or other law to disgorge any monies previously paid to it by Borrower, Guarantor shall be liable according to the terms hereof, notwithstanding that the books and records of Lender may previously have shown the Obligations to have been fully repaid or that Lender may have informed Guarantor or taken other affirmative actions to release this Guaranty.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">8.</font><font style="margin-left:36pt;color:#000000;"></font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Evidence of Obligations</font><font style="color:#000000;">.&nbsp;&nbsp;The possession by Lender of any written evidence of the Obligations shall be conclusive of the fact that it is one of the obligations covered hereunder and that full value was given by Lender therefor, unless direct written evidence to the contrary is produced.&nbsp;&nbsp;Any accounts settled or stated by or between Lender and Borrower as admitted by Borrower may be adduced by Lender in any proceeding in which this Guaranty is in issue and shall be received as conclusive evidence against Guarantor of the amount thereby appearing due from Borrower to Lender and shall not be open to dispute or question by Guarantor under any rule of evidence.&nbsp;&nbsp;Where Borrower is a corporation or partnership, it shall not be necessary for Lender to inquire into the powers of Borrower or the officers, directors, partners, or agents acting or purporting to act on its behalf, and any Obligations created in reliance upon the professed exercise of such powers shall be covered by this Guaranty.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">9.</font><font style="margin-left:36pt;color:#000000;"></font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Duration of Guaranty</font><font style="color:#000000;">.&nbsp;&nbsp;This Guaranty shall remain in full force and effect and be binding upon Guarantor and relied upon by Lender until payment in full of the Obligations.&nbsp;&nbsp;Neither Guarantor&#8217;s dissolution nor any attempted revocation of this Guaranty by Guarantor shall affect or impair the obligations or liabilities of Guarantor, or the rights and remedies of Lender, provided in this Guaranty or by law.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">10.</font><font style="margin-left:36pt;color:#000000;"></font><font style="font-weight:bold;text-decoration:underline;color:#000000;">General</font><font style="color:#000000;">.&nbsp;&nbsp;(a) All notices hereunder shall be in writing (including email transmission) and shall be sent to the applicable party at its address shown above or at such other address as such party may, by written notice received by the other parties, have designated as its address for such purpose.&nbsp;&nbsp;Notices sent by email transmission shall be deemed to have been given when received; notices sent by mail shall be deemed to have been given five (5) Business Days after the date when sent by certified mail, postage prepaid; and notices sent by hand delivery or overnight courier service shall be deemed to have been given when received.&nbsp;&nbsp;(b) This Guaranty shall be binding upon Guarantor and Guarantor&#8217;s successors and assigns. (c) If there is more than one Guarantor, all of the terms and conditions of this Guaranty shall apply to each of them and all such Guarantors shall be jointly and severally obligated hereunder. (d) Each Guarantor that is a corporation or a partnership hereby represents and warrants to Lender that this Guaranty has been duly authorized, executed and delivered to Lender in furtherance of its corporate or partnership purposes and is a binding obligation of such Guarantor. (e) All words used herein in the singular shall be deemed to have been used in the plural where the content and construction so require. (f) Notwithstanding the definition of Obligations, the liability of Guarantor is limited to the lowest amount that would render this Guaranty void against creditors or creditors&#8217; representatives under any fraudulent conveyance or similar act or under Sections 544 or 548 of the United States Bankruptcy Code of 1978, as revised, minus $1.00. (g) This Guaranty shall be construed under and governed by the laws of Colorado. (h) Whenever possible, each provision of this Guaranty shall be interpreted in such manner as to be effective and valid, but if any provision of this Guaranty shall be prohibited by or invalidated under applicable law, such provision shall be ineffective to the extent of such prohibition or invalidity </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">4</a></p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667782.1</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="color:#000000;">without invalidating the remainder of such provision or the remaining provisions of this Guaranty.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">a.</font><font style="margin-left:36pt;color:#000000;"></font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Representations and Warranties</font><font style="color:#000000;">.&nbsp;&nbsp;Guarantor warrants and represents to Lender the following: (a) Guarantor</font><font style="letter-spacing:-0.15pt;color:#000000;"> is a corporation validly existing and in good standing under the laws of the state of Colorado; (b) the execution, delivery and performance of this Guaranty by Guarantor have been duly authorized by all necessary company action, do not require the consent or approval of any other Person, regulatory authority or governmental body, and do not conflict with, result in violation of, or constitute a default under any provision of any agreement or other instrument binding upon Guarantor, or any law, governmental regulation, court decree or order applicable to Guarantor; (c) this Guaranty constitutes, and any instrument or agreement required hereunder to be given by Guarantor when delivered will constitute, legal, valid and binding obligations of Guarantor, enforceable against Guarantor in accordance with its respective terms, subject to bankruptcy and insolvency laws affecting the rights of creditors generally; and (d) the financial statements of Guarantor supplied to Lender fairly presented in all material respects the financial condition of Guarantor as of the date of the statements, and there has been no Material Adverse Event (as defined in the Loan Agreement) subsequent to the date of the most recent financial statements supplied to Lender</font><font style="color:#000000;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">11.</font><font style="margin-left:36pt;color:#000000;"></font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Financial Reporting</font><font style="color:#000000;">.&nbsp;&nbsp;Guarantor agrees to furnish to Lender annual financial statements and other documents described in the Loan Agreement as and when required under the Loan Agreement. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">12.</font><font style="margin-left:36pt;color:#000000;"></font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Financial Condition</font><font style="color:#000000;">.&nbsp;&nbsp;Guarantor hereby assumes responsibility for keeping itself informed of the financial condition of Borrower, and any and all endorsers and other guarantors of all or any part of the Obligations and of all other circumstances bearing upon the risk of nonpayment of the Obligations or any part thereof that diligent inquiry would reveal.&nbsp;&nbsp;Guarantor hereby agrees that Lender shall have no duty to advise Guarantor of information known to Lender regarding such condition or any such circumstances.&nbsp;&nbsp;Guarantor waives any duty that Lender may owe to Guarantor to disclose any facts or information about Borrower, Lender or the credit facilities described in the Loan Documents, including, without limitation, any common law duty to disclose known material facts or any common law duty to refrain from engaging in fraud.&nbsp;&nbsp;Guarantor hereby acknowledges familiarity with Borrower&#8217;s financial condition and that it has not relied on any statements by Lender in obtaining such information.&nbsp;&nbsp;In the event Lender, in its sole discretion, undertakes at any time or from time to time to provide any such information to Guarantor, Lender shall be under no obligation (i) to undertake any investigation with respect thereto; (ii) to disclose any information which, pursuant to accepted or reasonable commercial finance practices, Lender wishes to maintain confidential; or (iii) to make any other or future disclosures of such information, or any other information, to such Guarantor. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">13.</font><font style="margin-left:36pt;color:#000000;"></font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Severability</font><font style="color:#000000;">.&nbsp;&nbsp;If court of competent jurisdiction finds any provision of this Guaranty to be invalid or unenforceable as to any person or circumstances, such finding shall not render that provision invalid or unenforceable as to any other persons or circumstances.&nbsp;&nbsp;If feasible, any such offending provision shall be deemed to be modified to be within the limits of enforceability or validity; however, if the offending provision cannot be so modified, it shall be stricken and all other provisions of this Guaranty in all other respects shall remain valid and enforceable.&nbsp;&nbsp;</font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">5</a></p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667782.1</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="text-decoration:none;Background-color:#auto;">14.</font><font style="margin-left:36pt;color:#000000;"></font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Document Imaging</font><font style="color:#000000;">.&nbsp;&nbsp;Lender shall be entitled, in its sole discretion, to image all or any selection of the Loan Documents, this Guaranty, and items and records governing, arising from or relating to any of Borrower</font><font style="color:#000000;">&#8217;</font><font style="color:#000000;">s loans, and may destroy or archive the paper originals.&nbsp;&nbsp;</font><font style="color:#000000;">T</font><font style="color:#000000;">he parties hereto waive any right to insist Lender produce paper originals, agree that such images shall be accorded the same force and effect as the paper originals, and further agree that Lender is entitled to use such images in lieu of destroyed or archived originals for any purpose, including as admissible evidence in any demand, presentment or proceedings.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">15.</font><font style="margin-left:36pt;color:#000000;"></font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Entire Agreement</font><font style="color:#000000;">.&nbsp;&nbsp;This Guaranty constitutes the entire agreement between the parties with respect to the subject matter hereof; and (ii) is the final expression of the intentions of Guarantor and Lender.&nbsp;&nbsp;No promises, either expressed or implied, exist between Guarantor and Lender, unless contained herein or therein.&nbsp;&nbsp;This Guaranty supersedes all negotiations, representations, warranties, commitments, term sheets, discussions, negotiations, offers or contracts (of any kind or nature, whether oral or written) prior to or contemporaneous with the execution hereof with respect to any matter, directly or indirectly related to the terms of this Guaranty.&nbsp;&nbsp;Guarantor specifically acknowledges that this Guaranty relates to a &#8220;credit agreement&#8221; for a principal amount exceeding twenty-five thousand dollars as defined in C.R.S. &#167; 38-10-124 and that the statute of frauds provided in such statute applies to this Guaranty.&nbsp;&nbsp;This Guaranty is the result of negotiations between Lender and Guarantor, and has been reviewed (or have had the opportunity to be reviewed) by counsel to all such parties, and are the products of all parties.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">16.</font><font style="margin-left:36pt;color:#000000;"></font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Jurisdiction</font><font style="color:#000000;">.&nbsp;&nbsp;ANY LITIGATION BASED HEREON, OR ARISING OUT OF, UNDER OR IN CONNECTION WITH THIS GUARANTY OR ANY APPLICATION, MAY  BE BROUGHT AND MAINTAINED IN THE COURTS OF THE CITY AND COUNTY OF DENVER, COLORADO OR IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF COLORADO OR IN ANY STATE COURT IN WHICH ANY OF THE COLLATERAL IS LOCATED.&nbsp;&nbsp;THE GUARANTOR HEREBY EXPRESSLY AND IRREVOCABLY SUBMITS TO THE JURISDICTION OF SUCH COURTS.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">17.</font><font style="margin-left:36pt;color:#000000;"></font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Waiver of Jury Trial</font><font style="color:#000000;">.&nbsp;&nbsp;GUARANTOR AND LENDER, BY ITS ACCEPTANCE OF THIS GUARANTY, EACH KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVE IRREVOCABLY ANY RIGHT TO A TRIAL BY JURY IN ANY ACTION OR PROCEEDING TO ENFORCE OR INTERPRET THIS GUARANTY.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;color:#auto;font-size:12pt;font-family:Times New Roman;text-transform:none;font-variant: normal;letter-spacing:0pt;"><font style="Background-color:#auto;text-decoration:none;">18.</font><font style="margin-left:36pt;color:#000000;"></font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Waiver of Special Damages</font><font style="color:#000000;">.&nbsp;&nbsp;GUARANTOR WAIVES TO THE MAXIMUM EXTENT NOT PROHIBITED BY LAW, ANY RIGHT GUARANTOR MAY HAVE TO CLAIM OR RECOVER FROM LENDER IN ANY LEGAL ACTION OR PROCEEDING, ANY SPECIAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL DAMAGES.</font></p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">[SIGNATURE PAGE FOLLOWS]</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">6</a></p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667782.1</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;Guarantor&#8221;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">GAIA, INC<font style="font-weight:normal;">., a Colorado corporation</font></p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">By: <font style="text-decoration:underline;">/s/ Paul Tarell</font>______________</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"> <font style="font-weight:normal;">Paul Tarell, Chief Financial Officer</font></p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">[Signature Page to Unconditional Guaranty of Payment]</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Active/52667782.1</p></body>
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end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>5
<FILENAME>gaia-20201228.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN ActiveDisclosure(SM) XBRL Schema Document - http://www.dfinsolutions.com/ -->
<!-- Creation Date      : 2021-01-04T16:42:29.6544490+00:00 -->
<!-- Version            : 5.0.1.571 -->
<!-- Package ID         : 3846ee8a3f8542189228808c67323609 -->
<!-- Copyright (c) 2021 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<xsd:schema xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:dei="http://xbrl.sec.gov/dei/2020-01-31" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:us-types="http://fasb.org/us-types/2020-01-31" xmlns:stpr="http://xbrl.sec.gov/stpr/2018-01-31" xmlns:srt-types="http://fasb.org/srt-types/2020-01-31" xmlns:gaia="http://www.gaia.com/20201228" xmlns:sic="http://xbrl.sec.gov/sic/2020-01-31" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:srt="http://fasb.org/srt/2020-01-31" xmlns:us-gaap="http://fasb.org/us-gaap/2020-01-31" xmlns:naics="http://xbrl.sec.gov/naics/2017-01-31" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:country="http://xbrl.sec.gov/country/2020-01-31" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:currency="http://xbrl.sec.gov/currency/2020-01-31" xmlns:exch="http://xbrl.sec.gov/exch/2020-01-31" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.gaia.com/20201228" 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="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt" />
  <xsd:import schemaLocation="https://xbrl.sec.gov/country/2020/country-2020-01-31.xsd" namespace="http://xbrl.sec.gov/country/2020-01-31" />
  <xsd:import schemaLocation="https://xbrl.sec.gov/currency/2020/currency-2020-01-31.xsd" namespace="http://xbrl.sec.gov/currency/2020-01-31" />
  <xsd:import schemaLocation="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd" namespace="http://xbrl.sec.gov/dei/2020-01-31" />
  <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="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/numeric" />
  <xsd:import schemaLocation="https://xbrl.sec.gov/exch/2020/exch-2020-01-31.xsd" namespace="http://xbrl.sec.gov/exch/2020-01-31" />
  <xsd:import schemaLocation="http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd" namespace="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" />
  <xsd:import schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" namespace="http://www.xbrl.org/2009/role/negated" />
  <xsd:import schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" namespace="http://www.xbrl.org/2009/role/net" />
  <xsd:import schemaLocation="https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd" namespace="http://xbrl.sec.gov/naics/2017-01-31" />
  <xsd:import schemaLocation="https://xbrl.sec.gov/sic/2020/sic-2020-01-31.xsd" namespace="http://xbrl.sec.gov/sic/2020-01-31" />
  <xsd:import schemaLocation="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd" namespace="http://fasb.org/srt/2020-01-31" />
  <xsd:import schemaLocation="http://xbrl.fasb.org/srt/2020/elts/srt-roles-2020-01-31.xsd" namespace="http://fasb.org/srt-roles/2020-01-31" />
  <xsd:import schemaLocation="http://xbrl.fasb.org/srt/2020/elts/srt-types-2020-01-31.xsd" namespace="http://fasb.org/srt-types/2020-01-31" />
  <xsd:import schemaLocation="https://xbrl.sec.gov/stpr/2018/stpr-2018-01-31.xsd" namespace="http://xbrl.sec.gov/stpr/2018-01-31" />
  <xsd:import schemaLocation="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd" namespace="http://fasb.org/us-gaap/2020-01-31" />
  <xsd:import schemaLocation="http://xbrl.fasb.org/us-gaap/2020/elts/us-roles-2020-01-31.xsd" namespace="http://fasb.org/us-roles/2020-01-31" />
  <xsd:import schemaLocation="http://xbrl.fasb.org/us-gaap/2020/elts/us-types-2020-01-31.xsd" namespace="http://fasb.org/us-types/2020-01-31" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:roleType id="TemplateLink" roleURI="http://www.gaia.com/20201228/role/TemplateLink" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>00000 - Document - Template Link</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="gaia-20201228_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="gaia-20201228_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:title="Presentation Links, all" xlink:type="simple" />
      <link:roleType roleURI="http://www.gaia.com/20201228/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>6
<FILENAME>gaia-20201228_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN ActiveDisclosure(SM) XBRL Linkbase Document - http://www.dfinsolutions.com/ -->
<!-- Creation Date      : 2021-01-04T16:42:29.6544490+00:00 -->
<!-- Version            : 5.0.1.571 -->
<!-- Package ID         : 3846ee8a3f8542189228808c67323609 -->
<!-- Copyright (c) 2021 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:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://fasb.org/us-gaap/role/label/axisDefault" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-roles-2020-01-31.xsd#axisDefault" xlink:type="simple" />
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <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:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <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:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <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: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:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <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: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:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <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: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:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <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: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_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Central Index Key</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <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: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:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <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 or Country Code</link:label>
    <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:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <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: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:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <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: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 Line1</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <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: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:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <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: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:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <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: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:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <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: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:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <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:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" />
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    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <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>
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    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <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: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:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <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: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:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <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>
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    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <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>
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    <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:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Title of 12(b) Security</link:label>
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    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <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: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:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <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>
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    <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:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>7
<FILENAME>gaia-20201228_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN ActiveDisclosure(SM) XBRL Linkbase Document - http://www.dfinsolutions.com/ -->
<!-- Creation Date      : 2021-01-04T16:42:29.6544490+00:00 -->
<!-- Version            : 5.0.1.571 -->
<!-- Package ID         : 3846ee8a3f8542189228808c67323609 -->
<!-- Copyright (c) 2021 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
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  <link:roleRef roleURI="http://www.gaia.com/20201228/role/TemplateLink" xlink:href="gaia-20201228.xsd#TemplateLink" xlink:type="simple" />
  <link:roleRef roleURI="http://www.gaia.com/20201228/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="gaia-20201228.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>8
<FILENAME>gaia-8k_20201228_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
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  xmlns:xlink="http://www.w3.org/1999/xlink">
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    <dei:LocalPhoneNumber contextRef="C_0001089872_20201228_20201228" id="F_000013">222-3600</dei:LocalPhoneNumber>
    <dei:WrittenCommunications contextRef="C_0001089872_20201228_20201228" id="F_000014">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="C_0001089872_20201228_20201228" id="F_000015">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="C_0001089872_20201228_20201228" id="F_000016">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="C_0001089872_20201228_20201228" id="F_000017">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle contextRef="C_0001089872_20201228_20201228" id="F_000019">Class A Common Stock</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="C_0001089872_20201228_20201228" id="F_000020">GAIA</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="C_0001089872_20201228_20201228" id="F_000021">NASDAQ</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany contextRef="C_0001089872_20201228_20201228" id="F_000018">false</dei:EntityEmergingGrowthCompany>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>9
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.20.4</span><table class="report" border="0" cellspacing="2" id="idm140380281366440">
<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>Dec. 28, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_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="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Dec. 28,  2020<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">GAIA, INC.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001089872<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">000-27517<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">CO<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">84-1113527<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">833 West South Boulder 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="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Louisville<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">CO<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">80027-2452<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">303<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">222-3600<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Class A Common Stock<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">GAIA<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
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<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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>dei:centralIndexKeyItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>dei:fileNumberItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<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>
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<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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<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>
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<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<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="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
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<td>xbrli:booleanItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
