exv10w6



 






Exhibit 10.6




	 	 	 	 	 
	

	 	PROMISSORY NOTE
	 	Loan No. 658171
	 
	 	 	 	 
	$1,760,000.00

	 	Lubbock, Texas
	 	May 9, 2005






     FOR VALUE RECEIVED, the undersigned, TI BUILDING PARTNERSHIP, LTD., a Texas limited
partnership, promises to pay to FIRST UNITED BANK, or order, the sum of ONE MILLION SEVEN HUNDRED
SIXTY THOUSAND AND NO/100 DOLLARS ($1,760,000.00), with interest from date at the rate of six and
three-fourths per cent (6.75%) per annum, both principal and interest payable at Lubbock, Lubbock
County, Texas. Interest on this note shall be computed on the basis of the actual number of days
over 360 days per year (and in any event, 365 or 366 days per year during periods when the maximum
rate allowed by law is in effect) and the actual number of days elapsed.



     The principal and interest of this note are payable on the basis of a twenty-year amortization
in fifty-nine (59) equal monthly installments of $13,387.80 each, together with a 60th and final
installment of the then unpaid balance, with the first installment being due and payable on or
before June 9, 2005, and a like installment to become due and payable on or before the 9th day of
each succeeding month thereafter until the whole principal sum is paid in full on or before May 9,
2010.



     The undersigned maker shall pay to the holder hereof a late charge of five per cent (5%) of
any monthly installment if such monthly installment is received more than fifteen (15) days after
its due date.



     All past due interest and principal shall bear interest from maturity at the maximum rate
permitted by law.



     THIS NOTE IS PAYABLE IN FULL AT THE END OF FIVE (5) YEARS. YOU MUST REPAY THE ENTIRE PRINCIPAL
BALANCE OF THE LOAN AND UNPAID INTEREST WHEN DUE. THE LENDER IS UNDER NO OBLIGATION TO REFINANCE
THE LOAN AT THAT TIME. YOU WILL THEREFORE BE REQUIRED TO MAKE PAYMENT OUT OF OTHER ASSETS YOU MAY
OWN, OR YOU WILL HAVE TO FIND A LENDER WILLING TO LEND YOU THE MONEY AT PREVAILING MARKET RATES,
WHICH MAY BE CONSIDERABLY HIGHER OR LOWER THAN THE INTEREST RATE ON THIS LOAN. IF YOU REFINANCE
THIS LOAN AT MATURITY, YOU MAY HAVE TO PAY SOME OR ALL CLOSING COSTS NORMALLY ASSOCIATED WITH A NEW
LOAN, EVEN IF YOU OBTAIN REFINANCING FROM THE SAME LENDER.



     This note is given in part payment for a certain lot or parcel of land situated in Travis
County, Texas, and described as follows:



Lot One (1), Block “A”, The Replat of Peyton Brooke @ Rob Roy, a subdivision in Travis
County, Texas, according to the map or plat thereof recorded under Instrument No.
200100049, Official Public Records, Travis County, Texas.



The property is this day being conveyed to TI BUILDING PARTNERSHIP, LTD., by CATALYST DEVELOPMENT
II, L.P.; and to secure the payment of the same, according to the tenor hereof, a vendor’s lien is
retained in said conveyance, and is hereby acknowledged; and as further security for the payment
hereof, a deed of trust is this day given to RAY M. BAIN, Trustee, for the benefit of the holder
hereof.



     This note is this day given by TI BUILDING PARTNERSHIP, LTD., as part of the purchase price
for said above-mentioned property; and it is understood and agreed that failure to pay this note,
or any installment, as above promised, or any interest thereon when due, shall, at the election of
the holder of said



	 	 	 	 	 
	Promissory
Note

	 	 	 	Page 1 of 2






 









 






note, mature said note, and it shall at once become due and payable, and the vendor’s lien or
deed of trust lien herein mentioned, either or both, shall become subject to foreclosure
proceedings as the holder may elect.



     Each maker, surety, or endorser hereon severally waives grace, demand, presentment, notice of
intent to accelerate, notice and protest, and notice of acceleration, and consents that time of
payment may be extended without notice. And it is hereby specially agreed that if this note is
placed in the hands of an attorney for collection, or collected by suit or through Probate or
Bankruptcy proceedings, the undersigned agrees to pay reasonable attorney’s fees additional on the
principal and interest then due hereon.



     Notwithstanding any provision hereof to the contrary, no provision in this note shall require
or permit the collection of interest or other charges in excess of the maximum rate permitted by
applicable State or Federal law. If any such excess is provided for, or adjudicated to be so
provided for, any such excess shall be, at the holder’s option, applied either as a credit against
principal or refunded to maker hereof.



	 	 	 	 	 	 	 
	 	 	TI BUILDING PARTNERSHIP, LTD.,
	 	 	a Texas limited partnership
	 
	 	 	 	 	 	 
	 	 	By:	 	TSBGP, LLC, a Texas limited
	 	 	 	 	liability company,
	 	 	 	 	General Partner
	 
	 	 	 	 	 	 
	

	 	 	 	By:	 	/s/ JOHN GORMAN
	

	 	 	 	 	 	 
	

	 	 	 	 	 	  John Gorman, Manager






     THIS WRITTEN LOAN AGREEMENT REPRESENTS THE FINAL AGREEMENT BETWEEN THE PARTIES, AND MAY
NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF
THE PARTIES.



     THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.



	 	 	 	 	 	 	 
	 	 	TI BUILDING PARTNERSHIP, LTD.,
	 	 	a Texas limited partnership
	 
	 	 	 	 	 	 
	 	 	By:	 	TSBGP, LLC, a Texas limited
	 	 	 	 	liability company,
	 	 	 	 	General Partner
	 
	 	 	 	 	 	 
	

	 	 	 	By:	 	/s/ JOHN GORMAN
	

	 	 	 	 	 	 
	

	 	 	 	 	 	  John Gorman, Manager
	 
	 	 	 	 	 	 
	 	 	FIRST UNITED BANK
	 
	 	 	 	 	 	 
	

	 	By:	 	/s/ RICK C. BOYD
	 	 	 	 	 
	 	 	 	 	  Rick C. Boyd, President






	 	 	 	 	 
	Promissory Note

	 	 	 	Page 2 of 2







 










 





NOTICE OF CONFIDENTIALITY RIGHTS: IF YOU ARE A NATURAL PERSON, YOU MAY REMOVE OR
STRIKE ANY OF THE FOLLOWING INFORMATION FROM THIS INSTRUMENT BEFORE IT IS FILED FOR
RECORD IN THE PUBLIC RECORDS: YOUR SOCIAL SECURITY NUMBER OR YOUR DRIVER’S LICENSE
NUMBER.



	 	 	 	 	 
	

	 	DEED OF TRUST
	 	Loan No. 658171
	 
	 	 	 	 
	Date: May 9, 2005
	 	 	 	 






Grantor: TI BUILDING PARTNERSHIP, LTD., a Texas limited partnership



Grantor’s Mailing Address (including county):

2700 Via Fortuna, Suite 400, Austin, Texas 78746-7570

(Travis County)



Trustee: RAY M. BAIN




Trustee’s Mailing
Address (including county) :

P.O. Box 16500, Lubbock, Texas 79490

(Lubbock County)



Beneficiary: FIRST UNITED BANK




Beneficiary’s Mailing
Address (including county) :

P.O. Box 16500, Lubbock, Texas 79490

(Lubbock County)



Note:




     Date: May 9, 2005



     Amount: $1,760,000.00



     Maker: TI BUILDING PARTNERSHIP, LTD.



     Payee:
 FIRST UNITED BANK



     Final Maturity Date: May 9, 2005



     Terms
of Payment (Optional) : The principal and interest of
the note are payable on the basis of a twenty-year amortization
in fifty-nine (59) equal monthly installments of $13,387.80 each,
together with a 60th and final installment of the then unpaid
balance, with the first installment being due and payable on or
before June 9, 2005, and a like installment to become due and
payable on or before the 9th day of each succeeding month
thereafter until the whole principal sum is paid in full on or
before May 9, 2010.



Property
(including any improvements) : Lot One (1), Block “A”, The Replat of Peyton Brooke
@ Rob Roy, a subdivision in Travis County, Texas, according to the map or plat thereof
recorded under Instrument No. 200100049, Official Public Records, Travis County, Texas.



	 	 	 	 	 
	Deed of Trust

	 	 	 	Page 1 of 5






 









 






     For value received and to secure payment of the note, Grantor conveys the property to
Trustee in trust. Grantor warrants and agrees to defend the title to the property. If Grantor
performs all the covenants and pays the note and the other amounts secured by this deed of trust,
this deed of trust shall have no further effect, and Beneficiary shall release it at Grantor’s
expense.



Grantor’s Obligations




Grantor agrees to:



     1. keep the property in good repair and condition;



     2. pay all taxes and assessments on the property when due; and furnish Beneficiary written
evidence of such payment on or before February 1 of each year;



     3. preserve the lien’s priority as it is established in this deed of trust;



     4. maintain, in a form acceptable to Beneficiary, an insurance policy that:




          a. covers all improvements for their full insurable value as determined when the policy is
issued and renewed, unless Beneficiary approves a smaller amount in writing;




     b. contains an 80% coinsurance clause;




     c. provides fire and extended coverage, including windstorm coverage;




     d. protects Beneficiary with a standard mortgage clause;




     e. provides flood insurance at any time the property is in a flood hazard area; and




     f. contains such other coverage as Beneficiary may reasonably require;



     5. comply at all times with the requirements of the 80% coinsurance clause;



     6. deliver the insurance policy to Beneficiary and deliver renewals to Beneficiary at least ten
days before expiration;



     7. keep any buildings occupied as required by the insurance policy;



     8. if this is not a first lien, pay all prior lien notes that Grantor is personally liable to
pay and abide by all prior lien instruments;



     9. pay Beneficiary a late charge of 5.00% for any payment not made within 15 days of due date;
and



     10. pay to Beneficiary tax and insurance escrows when required by Beneficiary on a monthly
basis sufficient to meet
all tax and insurance obligations of the property as they become due.



     11. not to allow any additional liens to be placed on the property without the written consent
of Beneficiary.



Beneficiary’s Rights




     1. Beneficiary may appoint in writing a substitute or successor trustee, succeeding to all
rights and responsibilities
of Trustee. The Trustee, or any successor trustee, may conduct the sale through an attorney in
fact.



     2. If the proceeds of the note are used to pay any debt secured by prior liens, Beneficiary is
subrogated to all of the
rights and liens of the holders of any debt so paid.



     3. Beneficiary may apply any proceeds received under the insurance policy either to reduce the
note or to repair or
replace damaged or destroyed improvements covered by the policy.



     4. If Grantor fails to perform any of Grantor’s obligations, Beneficiary may perform those
obligations and be
reimbursed by Grantor on demand at the place where the note is payable for any sums so paid,
including attorney’s fees,
plus interest on those sums from the dates of payment at the rate stated in the note for
matured, unpaid amounts. The
sums to be reimbursed shall be secured by this deed of trust.



     5. If Grantor defaults on the note or fails to perform any of Grantor’s obligations or if
default occurs on a prior lien
note or other instrument, Beneficiary may:




     a. declare the unpaid principal balance and earned interest on the note immediately due;




           b. request Trustee to foreclose this lien, in which case Beneficiary or Beneficiary’s agent
shall give notice of the
foreclosure sale as provided by the Texas Property Code as then amended; and




     c. purchase the property at any foreclosure sale by offering the highest bid and then have the
bid credited on
the note.



Trustee’s Duties




If requested by Beneficiary to foreclose this lien, Trustee shall:




     1. either personally or by agent give notice of the foreclosure sale as required by the Texas
Property Code, as then amended;



     2. sell and convey all or part of the property to the highest bidder for cash with a general
warranty binding Grantor,
subject to prior liens and to other exceptions to conveyance and warranty; and



     3. from the proceeds of the sale, pay, in this order:




     a. expenses of foreclosure, including a commission to Trustee of 5% of the bid;




     b. to Beneficiary, the full amount of principal, interest, attorney’s fees, and other charges
due and unpaid;




     c. any amounts required by law to be paid before payment to Grantor; and




     d. to Grantor, any balance.



General Provisions




     1. If any of the property is sold under this deed of trust, Grantor shall immediately
surrender possession to the
purchaser. If Grantor fails to do so, Grantor shall become a tenant at sufferance of the
purchaser, subject to an action
for forcible detainer.



     2. Recitals in any Trustee’s deed conveying the property will be presumed to be true.



     3. Proceedings under this deed of trust, filing suit for foreclosure, or pursuing any other
remedy will not constitute
an election of remedies.



     4. This lien shall remain superior to liens later created even if the time of payment of all
or part of the note is
extended or part of the property is released.



     5. If any portion of the note cannot be lawfully secured by this deed of trust, payments shall
be applied first to
discharge that portion.



     6. Grantor assigns to Beneficiary all sums payable to or received by Grantor from condemnation
of all or part of the
property, from private sale in lieu of condemnation, and from damages caused by public works
or construction on or near
the property. After deducting any expenses incurred, including attorney’s fees, Beneficiary
may release any remaining
sums to Grantor or apply such sums to reduce the note. Beneficiary shall not be liable for
failure to collect or to exercise
diligence in collecting any such sums.



     7. Grantor assigns to Beneficiary absolutely, not only as collateral, all present and future
rent and other income and
receipts from the property. Leases are assigned. Grantor warrants the validity and
enforceability of the assignment.
Grantor may as Beneficiary’s licensee collect rent and other income and receipts as long as
Grantor is not in default
under the note or this deed of trust. Grantor will apply all rent and other income and
receipts to payment of the note and



	 	 	 	 	 
	Deed of Trust

	 	 	 	Page 2 of 5






 









 






performance of this deed of trust, but if the rent and other income and receipts exceed the
amount due under the note and deed of trust, Grantor may retain the excess. If Grantor defaults in
payment of the note or performance of this deed of trust, Beneficiary may terminate Grantor’s
license to collect and then as Grantor’s agent may rent the property if it is vacant and collect
all rent and other income and receipts. Beneficiary neither has nor assumes any obligations as
lessor or landlord with respect to any occupant of the property. Beneficiary may exercise
Beneficiary’s rights and remedies under this paragraph without taking possession of the property.
Beneficiary shall apply all rent and other income and receipts collected under this paragraph
first to expenses incurred in exercising Beneficiary’s rights and remedies and then to Grantor’s
obligations under the note and this deed of trust in the order determined by Beneficiary.
Beneficiary is not required to act under this paragraph, and acting under this paragraph does not
waive any of Beneficiary’s other rights or remedies. If Grantor becomes a voluntary or involuntary
bankrupt, Beneficiary’s filing a proof of claim in bankruptcy will be tantamount to the
appointment of a receiver under Texas law.



     8. Interest on the debt secured by this deed of trust shall not exceed the maximum amount of
nonusurious interest
that may be contracted for, taken, reserved, charged, or received under law; any interest in
excess of that maximum
amount shall be credited on the principal of the debt or, if that has been paid, refunded. On
any acceleration or required
or permitted prepayment, any such excess shall be canceled automatically as of the
acceleration or prepayment or, if
already paid, credited on the principal of the debt or, if the principal of the debt has been
paid, refunded. This provision
overrides other provisions in this and all other instruments concerning the debt.



     9. When the context requires, singular nouns and pronouns include the plural.



     10. The term “note” includes all sums secured by this deed of trust.



     11. This deed of trust shall bind, inure to the benefit of, and be exercised by successors in
interest of all parties.



     12. If Grantor and Maker are not the same person, the term “Grantor” shall include Maker.



     13. In the event the ownership of this property is transferred to any party other than the
present owners, either
voluntarily, by operation of law, or by lease for a term of 3 years or more, then Beneficiary
shall have the option to
accelerate the maturity of the indebtedness.



     14. Each provision of the deed of trust shall be severable, and invalidation of one provision
shall not invalidate any
other provision.



     15. In the event there should be a deterioration in the financial condition of anyone
obligated on the debt secured
hereby or a deterioration in the value of the collateral, then Beneficiary shall have the
right to request additional collateral
adequate to secure the loan. Should the same not be provided within ten days of demand,
Beneficiary shall have the
right to accelerate the maturity of the note to the end that the same shall be due on demand.



     16. Grantor shall not alienate or encumber the property to the prejudice of Beneficiary, nor
commit, permit, or suffer
any waste, impairment, or deterioration of the property, and regardless of natural
depreciation, shall keep the property
and all its improvements at all times in good condition and repair. The term “waste” is used
herein in its traditional sense,
and further specifically includes, but is not limited to, hazardous waste. The term “hazardous
waste” as used herein
includes, but is not limited to, hazardous and/or toxic waste, substances, pollutants, and/or
contaminants. Grantor shall
comply with and not violate any and all laws and regulations regarding the use, ownership, and
occupancy of the
property. Grantor shall perform and abide by all obligations and restrictions under any
declarations, covenants, and other
documents governing the use, ownership, and occupancy of the property.



     17. Grantor agrees to protect, indemnify, defend, and hold harmless Beneficiary to the fullest
extent possible by law
and not otherwise, from and against all claims, demands, causes of action, suits, losses,
damages (including, without
limitation, punitive damages), violations, environmental response and/or clean-up costs,
fines, penalties, and expenses
(including, without limitation, reasonable attorney’s fees, costs and expenses incurred in
investigating and defending
against the assertion of such liabilities, as such fees, costs, and expenses are incurred), of
any nature whatsoever, which
may be sustained, suffered, or incurred by Beneficiary based upon, without limitation: the
ownership and/or operation
of the property and all activities relating thereto; any knowing or material misrepresentation
or material breach of warranty
by Grantor; any violations of the Comprehensive Environmental Response, Compensation and
Liability Act of 1980, and
any other applicable federal, state, or local rule, ordinance, or statute; the clean-up or
removal of hazardous waste or
evaluation and investigation of the release or threat of release of hazardous waste; any loss
of natural resources
including damages to air, surface, or ground water, soil, and biota; and any private suits or
court injunctions.



     18. Notwithstanding any provision herein to the contrary, this deed of trust is not intended
to and does not create
a lien against homestead property of Grantor to secure any indebtedness of Grantor or Maker to
the Beneficiary which
is not allowed under Article 16, Section 50, of the Texas Constitution as it now exists or may
hereafter be amended.



     19. In the event a portion of the indebtedness described herein cannot be lawfully secured by
this deed of trust under
the then applicable laws of the State of Texas on the above described real property, it is
agreed by the Grantor herein
that the payments first made on the indebtedness secured hereby shall be applied to the
discharge of that portion of the
said indebtedness which is not enforceable under the laws of the State of Texas in existence
at that time.



     20. Grantor agrees to deliver to Beneficiary internally-
prepared financial statements of the Grantor and of Tejas
Incorporated, each prepared in accordance with sound accounting
principles consistently applied, and in detail reasonably
satisfactory to Beneficiary, and certified to be true and correct
by the Chief Financial Officer of Grantor and of Tejas
Incorporated, as appropriate. Such financial statements shall
consist of the following:




	 	a.  	Annual federal income tax returns for Grantor, for Tejas
Incorporated, and for each guarantor, which shall be
submitted to Beneficiary within thirty (30) days after
the filing of the same; and
	 
	 	b.  	Annual balance sheet and income statement for Grantor
and for Tejas Incorporated, which shall be submitted
within sixty (60) days following the end of each
calendar year, and annual year-end balance sheet and
income statement for Grantor and for Tejas Incorporated,
which shall be submitted within sixty (60) days
following the end of each calendar year.





	 	 	 	 	 
	Deed of Trust

	 	 	 	Page 3 of 5






 









 






     21. Grantor agrees to maintain on a consolidated basis a Debt Service Coverage Ratio of at
least 1.20:1.0. “Debt Service Coverage Ratio” means the ratio of Cash Flow to the sum of the
current portion of long-term debt and the current portion of capitalized lease obligations plus
interest expense on all obligations. “Cash Flow” is defined as (a) net income, after income tax,
(b) less income or plus loss from discontinued operations and extraordinary items, (c) plus
depreciation, depletion and amortization, (d) plus interest expense on all obligations, and (e)
minus dividends, withdrawals, and other distributions. This ratio will be calculated at the end of
each reporting period for which Beneficiary requires financial statements from Borrower, using the
results of the twelve-month period ending with that reporting period. The current portion of
long-term liabilities will be measured as of the last day of the calculation period.




	Initial:  	NOTICE: THIS CONVEYANCE SHALL ALSO SECURE ALL SUMS NOW OWING OR HEREAFTER AT ANY
TIME PRIOR TO THE FINAL RELEASE HEREOF TO BECOME OWING BY GRANTOR TO BENEFICIARY WHETHER
DIRECT, PRIMARY, SECONDARY, OR CONTINGENT AND SHALL FURTHER SECURE ALL UNPAID BALANCES
WHETHER BY RENEWALS, EXTENSIONS, OR OTHERWISE OF ALL EXISTING
INDEBTEDNESS AND ANY ADDITIONAL LOAN OR LOANS MADE TO
GRANTOR, EXCEPT AS LIMITED IN PARAGRAPH 18 ABOVE. REPAYMENT TO BENEFICIARY OF ALL
INDEBTEDNESS OF THE MAKER OF THE NOTE DOES NOT TERMINATE THE LIEN OF THIS DEED OF
TRUST UNLESS IT IS RELEASED BY BENEFICIARY AT THE REQUEST OF MAKER OF THE NOTE;
OTHERWISE IT SHALL REMAIN IN FORCE TO SECURE FUTURE ADVANCES AND INDEBTEDNESS
IRRESPECTIVE OF ANY ADDITIONAL SECURITY THAT MAY BE TAKEN AS TO SUCH INDEBTEDNESS.
THE LIEN OF THIS DEED OF TRUST SHALL BE UNAFFECTED BY RENEWALS, EXTENSIONS, OR
PARTIAL RELEASES HEREUNDER.





          Grantor represents that this deed of trust and the note are given for the following
purposes: The indebtedness secured hereby is one and the same as that secured by a vendor’s lien
in a warranty deed of even date herewith whereby Catalyst Development II, L.P., conveyed the
hereinabove described property to Grantor herein, and this deed of trust is given as additional
security for the payment of said indebtedness.




	 	 	 	 	 	 	 
	 	 	TI BUILDING PARTNERSHIP, LTD.,
	 	 	a Texas limited partnership
	 
	 	 	 	 	 	 
	 	 	By:	 	TSBGP, LLC, a Texas limited
	 	 	 	 	liability company,
	 	 	 	 	General Partner
	 
	 	 	 	 	 	 
	

	 	 	 	By:	 	/s/ JOHN GORMAN 
	

	 	 	 	 	 	 
	

	 	 	 	 	 	John Gorman, Manager






	 	 	 	 	 
	Deed of Trust

	 	 	 	Page 4 of 5






 









 






     THIS WRITTEN LOAN AGREEMENT REPRESENTS THE FINAL AGREEMENT BETWEEN THE PARTIES, AND MAY
NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF THE
PARTIES.



     THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.



	 	 	 	 	 	 	 
	 	 	TI BUILDING PARTNERSHIP, LTD.,
	 	 	a Texas limited partnership
	 
	 	 	By:	 	TSBGP, LLC, a Texas limited
	 	 	 	 	liability company,
	 	 	 	 	General Partner
	 
	 	 	 	 	 	 
	

	 	 	 	By:	 	/s/ JOHN GORMAN 
	

	 	 	 	 	 	 
	

	 	 	 	 	 	John Gorman, Manager
	 
	 	 	 	 	 	 
	 	 	FIRST UNITED BANK
	 
	 	 	 	 	 	 
	

	 	By:	 	 	 	/s/ RICK C. BOYD 
	 	 	 	 	 
	 	 	 	 	Rick C. Boyd, President






THE STATE OF TEXAS §



COUNTY OF TRAVIS §



     This
instrument was acknowledged before me on the 9th
day of May, 2005, by JOHN GORMAN, Manager of TSBGP, LLC, a Texas limited liability company, on
behalf of said limited liability company as General Partner of TI Building Partnership, Ltd., a
Texas limited partnership, and on behalf of said limited partnership.




	 	 	 
	

	 	/s/ NINA MIDDLEBROOK 
	

	 	Notary Public in and for
	

	 	State of Texas
	 
	 	 
	

	 	Typed/printed name: Nina Middlebrook
	

	 	Commission expires: 6/1/06






	 	 	 	 	 
	Deed of Trust

	 	 	 	Page 5 of 5