PARTIES HERETO AND
SUPERSEDE ANY AND ALL PRIOR COMMITMENTS, AGREEMENTS, REPRESENTATIONS AND
UNDERSTANDINGS, WHETHER WRITTEN OR ORAL, RELATING TO THE SUBJECT MATTER HEREOF
AND THEREOF AND MAY NOT BE CONTRADICTED OR VARIED BY EVIDENCE OF PRIOR,
CONTEMPORANEOUS OR SUBSEQUENT ORAL AGREEMENTS OR DISCUSSIONS OF THE PARTIES
HERETO.
THERE ARE NO UNWRITTEN ORAL AGREEMENTS AMONG THE PARTIES HERETO.
The
provisions hereof and the other Loan Documents may be amended or waived only by
an instrument in writing signed by Borrower and Lender.
[SIGNATURE PAGE FOLLOWS]
PROMISSORY NOTE - Page 15
667317; Miami-Dade County - Florida
EXECUTED to be effective as of the date first written above.
BORROWER:
TOTB Miami, LLC, a Florida limited liability company
By:
OWENS FINANCIAL GROUP, INC.,
a California corporation
Its: Manager
By:
_________________________________
William C. Owens, President
PROMISSORY NOTE - Signature Page
667317; Miami-Dade County - Florida