Document:

Exhibit

DESCRIPTION OF CAPITAL STOCK OF ATKORE INTERNATIONAL GROUP INC.
The following descriptions of our capital stock, Third Amended and Restated Certificate of Incorporation (“certificate of incorporation”) and Third Amended and Restated By-laws (“by-laws”) are intended as summaries only and are qualified in their entirety by reference to our certificate of incorporation and by-laws.
Authorized Capital Stock
Our authorized capital stock consists of 1,000,000,000 shares of common stock, par value $0.01 per share and 100,000,000 shares of preferred stock, par value $1.00 per share. 
Common Stock
Holders of common stock are entitled:
		
	•
	to cast one vote for each share held of record on all matters submitted to a vote of the stockholders;

		
	•
	to receive, on a pro rata basis, dividends and distributions, if any, that our board of directors may declare out of legally available funds, subject to preferences that may be applicable to preferred stock, if any, then outstanding; and

		
	•
	upon our liquidation, dissolution or winding up, to share equally and ratably in any assets remaining after the payment of all debt and other liabilities, subject to the prior rights, if any, of holders of any outstanding shares of preferred stock.

 
The affirmative vote of a majority of the shares of our common stock present, in person or by proxy, at the meeting and entitled to vote at any annual or special meeting of stockholders will decide all matters voted on by stockholders, unless the question is one upon which, by express provision of law, under our certificate of incorporation, or under our by-laws, a different vote is required, in which case such provision will control. If the number of nominees for director exceeds the number of directors to be elected at any meeting of stockholders, directors shall be elected by a plurality of the votes of the shares represented in person or by proxy at such meeting and entitled to vote on such election of directors.
Our ability to pay dividends on our common stock is subject to our subsidiaries’ ability to pay dividends to us, which is in turn subject to the restrictions set forth in the agreements that govern our indebtedness. 
The holders of our common stock do not have any preemptive, cumulative voting, subscription, conversion, redemption or sinking fund rights. The common stock is not subject to future calls or assessments by us, any restriction on alienability or any provision discriminating against any existing or prospective holder of common stock as a result of such holder owning a substantial amount of common stock.  The rights and privileges of holders of our common stock are subject to any series of preferred stock that we may issue in the future.
 
As of January 29, 2020, we had 47,484,231 shares of common stock outstanding and there was one stockholder of record of our common stock.
Preferred Stock
Under our certificate of incorporation, our board of directors has the authority, without further action by our stockholders, to issue up to 100,000,000 shares of preferred stock in one or more series and to fix the powers, designations, preferences and the relative participating, optional or other special rights and qualifications, limitations and restrictions of each series, including dividend rights, dividend rates, conversion rights, voting rights, terms of redemption, liquidation preferences and the number of shares constituting any series. No shares of our authorized preferred stock are currently outstanding. The existence of authorized but unissued preferred stock could reduce our attractiveness as a target for an unsolicited takeover bid since we could, for example, issue shares of preferred stock to parties who might oppose such a takeover bid or shares that contain terms the potential acquiror may find unattractive. This may have the effect of delaying or preventing a change of control, may discourage bids for the common stock at a premium over the market price of the common stock, and may adversely affect the market price of, and the voting and other rights of the holders of, our common stock.
Anti-Takeover Effects of Our Certificate of Incorporation and By-laws
The provisions of our certificate of incorporation and by-laws summarized below may have an anti-takeover effect and may delay, defer or prevent a tender offer or takeover attempt that you might consider in your best interest, including an attempt that might result in your receipt of a premium over the market price for your shares. 

Authorized but Unissued Shares of Common Stock. Under the Delaware General Corporate Law (the “DGCL”), our board of directors has the authority to issue the remaining shares of our authorized and unissued common stock without additional stockholder approval, subject to compliance with applicable New York Stock Exchange (“NYSE”) requirements. While the additional shares are not designed to deter or prevent a change of control, under some circumstances we could use the additional shares to create voting impediments or to frustrate persons seeking to effect a takeover or otherwise gain control by, for example, issuing those shares in private placements to purchasers who might side with our board of directors in opposing a hostile takeover bid.
 
Authorized but Unissued Shares of Preferred Stock. Under our certificate of incorporation, our board of directors has the authority, without further action by our stockholders, to issue up to 100,000,000 shares of preferred stock in one or more series and to fix the powers, designations, preferences and the relative participating, optional or other special rights and qualifications, limitations and restrictions of each series, including dividend rights, dividend rates, conversion rights, voting rights, terms of redemption, liquidation preferences and the number of shares constituting any series. 
Classified Board of Directors. In accordance with the terms of our certificate of incorporation, until the annual meeting of stockholders to be held in 2022, our board of directors will continue to be divided into three classes, Class I, Class II and Class III, with members of each class serving staggered three-year terms, except that those directors elected at the annual meetings to be held in each of 2020 and 2021 shall be elected for a one-year term. All directors shall be up for election at the annual meeting of stockholders to be held in 2022 for a one-year term and from that point forward all directors shall have one-year terms, subject to any rights granted to holders of shares of any class or series of preferred stock then outstanding.  Under our certificate of incorporation, our board of directors consists of such number of directors as may be determined from time to time by resolution of the board of directors, but in no event may the number of directors be less than one. Prior to the annual meeting of stockholders to be held in 2022, any additional directorships resulting from an increase in the number of directors will be distributed among the three classes so that, as nearly as possible, each class will consist of one-third of the directors. Our certificate of incorporation also provides that any vacancy on our board of directors, including a vacancy resulting from an enlargement of our board of directors, may be filled only by the affirmative vote of a majority of our directors then in office, even if less than a quorum, or by a sole remaining director. Any director elected to fill a vacancy will hold office until such director’s successor shall have been duly elected and qualified or until such director’s earlier death, resignation or removal.  
Removal of Directors. Our certificate of incorporation provides that directors whose terms expire at or before the annual meeting of stockholders to be held in 2022 may be removed only for cause and only upon the affirmative vote of holders of at least a majority of the outstanding shares of common stock then entitled to vote at an election of directors. Directors who are elected at the annual meeting of stockholders to be held in 2022 or thereafter, may be removed at any time, either with or without cause, upon the affirmative vote of the holders of at least a majority of the outstanding shares of common stock then entitled to vote in an election of directors. 
Special Meetings of Stockholders Our certificate of incorporation provides that a special meeting of stockholders may be called only by the chairman of our board of directors or by a resolution adopted by a majority of our board of directors.  Stockholders do not have the power to call a special meeting of stockholders or to request the secretary of the corporation to call a special meeting of stockholders. 
No Stockholder Action by Written Consent. Our certificate of incorporation provides that any action taken by the stockholders must be effected at a duly called annual or special meeting, and may not be effected by written consent of stockholders.  
Stockholder Advance Notice Procedure. Our by-laws provide for an advance notice procedure for stockholders to make nominations of candidates for election as directors or to bring other business before an annual meeting of our stockholders. Our by-laws provide that any stockholder wishing to nominate persons for election as directors at, or bring other business before, an annual meeting must deliver to our corporate secretary a written notice of the stockholder’s intention to do so. To be timely, the stockholder’s notice must be delivered to our corporate secretary at our principal executive offices not less than 90 days nor more than 120 days before the first anniversary date of the annual meeting for the preceding year; provided, however, that in the event that the annual meeting is set for a date that is more than 30 days before or more than 70 days after the first anniversary date of the preceding year’s annual meeting, a stockholder’s notice must be delivered to our corporate secretary (x) not less than 90 days nor more than 120 days prior to the meeting or (y) no later than the close of business on the 10th day following the day on which a public announcement of the date of the meeting is first made.
Section 203 of the Delaware General Corporation Law. We are subject Section 203 of the DGCL, which prohibits a publicly held Delaware corporation from engaging in a business combination, such as a merger, with a person or group owning 15% or more of the corporation’s outstanding voting stock for a period of three years following the date the person became an 

interested stockholder, unless (with certain exceptions) the business combination or the transaction in which the person became an interested stockholder is approved in a prescribed manner.Exhibit
4.1

 

Amendment
No. 1

to
the Indenture

 

In
accordance with Section 9.1 of the Indenture dated as of March 22, 2019 (the “Indenture”) between Shepherd’s
Finance, LLC, a Delaware limited liability company (“Company”), and U.S. Bank National Association, a national
banking association (“Trustee”), the Indenture is hereby amended by this Amendment No. 1 (this “Amendment”)
as of February 4, 2020. Capitalized terms used and not otherwise defined in this Amendment shall have the meanings set forth in
the Indenture.

 

Each
party agrees as follows for the benefit of the other party and for the equal and ratable benefit of the Holders of the Company’s
Fixed Rate Subordinated Notes:

 

A.
Amendment to § 3.9 of the Indenture. Section 3.9 of the Indenture is hereby replaced in its entirety with the following:

 

Section
3.9. Redemption Option at Request of Holder.

 

	 	(a)	Beginning
    180 days after the issuance date, at the written request of the Holder delivered to the Company at any time, the Company may,
    at its option and subject to the restrictions in Article 10 below, but shall not be required to, redeem the Note for a redemption
    price equal to the principal amount plus an amount equal to the unpaid interest thereon for the Note, as adjusted, at the
    stated rate to the redemption date minus an amount equal to the interest that would be payable thereon at the rate stated
    above over the last 180 days immediately prior to the redemption date.
	 	 	 
	 	(b)	Notwithstanding
    the foregoing Section 3.9(a), subject to the restrictions in Article 10 below, at the written request of a Holder of a Note
    that (i) on the Date of Issue had a duration of 36 months, and (ii) had a Date of Issue of February 4, 2020 or after, such
    Holder may require the Company to redeem all or a portion of such Note for a redemption price equal to the principal amount
    plus an amount equal to the unpaid interest thereon for such Note, at the stated rate to the redemption date, as follows:

 

	 	(1)	The
    Company shall redeem up to $10,000 of such Note within 7 days of the redemption request;
	 	 	 
	 	(2)	The
    Company shall redeem up to an additional $90,000 of such Note within 30 days of the redemption request;
	 	 	 
	 	(3)	The
    Company shall redeem any remaining amount of such Note requested to be redeemed within 90 days of the redemption request;
    and
	 	 	 
	 	(4)	The
    Company shall redeem all or a portion of such Note if requested by the Holder, regardless of amount, within 1 business day
    but only if the Holder immediately upon redemption invests the entirety of the proceeds from such redemption in another security
    then-offered by the Company.

 

    	 	 	 

     

    

 

For
purposes of determining the length of time within which the Company must redeem all or a portion of a Note under this Section,
3.9(b), the dollar amount of a given redemption request will be added to any amount or amounts of such Note previously requested
to be redeemed that were redeemed by the Company.

 

B.
Amendment of the Form of Note. Exhibit A to the Indenture, titled “FORM OF FIXED RATE SUBORDINATED NOTE OF
SHEPHERD’S FINANCE, LLC” is hereby replaced in its entirety with Exhibit A to this Amendment in order to reflect
the foregoing changes to the Indenture and to clarify the previous language related to renewals of Notes upon maturity.

 

C.
Continuation of Indenture. The Indenture and this Amendment shall be read together and shall have the same force and effect
as if the provisions of the Indenture and this Amendment were contained in one document. Any provisions of the Indenture not amended
by this Amendment shall remain in full force and effect as provided in the Indenture immediately prior to the date hereof. In
the event of a conflict between the provisions of this Amendment and the Indenture, the provisions of this Amendment shall control,
provided, however, that if any provision of this Amendment limits, qualifies, or conflicts with another provision which
is required to be included in this Amendment by the TIA, the required provision shall control.

 

D.
Governing Law. The internal laws of the State of Delaware shall govern this Amendment.

 

E.
Counterparts. This Amendment may be executed in counterparts, each of which shall be deemed an original, but all of which
together shall be deemed to be one and the same agreement. A signed copy of this Amendment delivered by facsimile, e-mail, or
other means of electronic transmission shall be deemed to have the same legal effect as delivery of an original signed copy of
this Amendment. The signature pages to this Amendment shall be deemed and may be used as counterpart signature pages to the Indenture.

 

[Signatures
on following page]

 

    	 	2	 

    	 

    

 

IN
WITNESS WHEREOF, the parties hereto hereby execute this Amendment as of the date first written.

 

	 	COMPANY:
	 	 
	 	SHEPHERD’S
    FINANCE, LLC
	 	 
	 	By:	/s/
    Daniel M. Wallach
	 	 	Daniel
    M. Wallach, Chief Executive Officer
	 	 	 
	 	TRUSTEE:
	 	 	 
	 	U.S.
    BANK NATIONAL ASSOCIATION 
	 	 
	 	By:	/s/
    April Bright
	 	 	April
    Bright, Assistant Vice President

 

    	 	3	 

    	 

    

 

Exhibit
A

 

FORM
OF FIXED RATE SUBORDINATED NOTE

 

OF

 

SHEPHERD’S
FINANCE, LLC

 

    	 	 	 

     

    

 

Fixed
Rate Subordinated Note

 

___________
__, 20__

 

	No.
    ____ 	Jacksonville,
    Florida

 

Subject
to the restrictions in Section 6 below, ___________________________________from the date hereof, Shepherd’s Finance, LLC
(the “Company”) promises to pay ___________________________ DOLLARS at the main office of the Company, 13241 Bartram
Park Blvd., Suite 2401, Jacksonville, Florida 32258 and to pay interest thereon at the rate of ____% (percent) per annum, in accordance
with Section 1 below. 

 

This
is one of a duly authorized issue of Fixed Rate Subordinated Notes of the Company (the “Notes”) issued under and subject
in all respects to the terms of an Indenture dated as of March 22, 2019 (the “Indenture”), between the Company and
U.S. Bank National Association, as trustee (the “Trustee”). Reference is hereby made to the Indenture and all supplemental
indentures for a statement of the respective rights of the Company, the Trustee, the agents of the Company, and the Trustee and
the holders of the Notes. All capitalized terms used, but not defined, in this Note have the meanings assigned to them in the
Indenture. No reference herein to the Indenture and no provision of this Note or of the Indenture shall alter or impair the obligation
of the Company, which is absolute and unconditional, to pay the principal of and interest on this Note in the manner herein prescribed.

 

1.
Interest. Interest will be calculated based on the actual number of days the Note is outstanding based on a 365/366 day
year. Interest will be earned daily and payable monthly or at maturity at the holder’s request. If the holder elects to
receive interest at maturity rather than monthly, interest will be compounded monthly. If any payment of the Note is due on a
Legal Holiday, then the holder will not be entitled to payment of the amount due until the following day that is not a Legal Holiday,
and no interest will be due as a result of such delay. If the holder elects to receive interest monthly, interest will be paid
on the first business day (not a Legal Holiday) of every month (each an “Interest Payment Date”). The first Interest
Payment Date will be the month following the month of the Date of Issue, except that if a Note is issued within the last 10 days
preceding an Interest Payment Date, the first interest payment will be made on the next succeeding Interest Payment Date. No payments
of interest under fifty dollars will be made, with any interest payment under fifty dollars accruing and earning interest on a
monthly compounding basis until the payment due is at least fifty dollars on an Interest Payment Date.

 

2.
Redemption by Company. Subject to the restrictions of Section 6 below and in accordance with the procedures set forth in
Article 3 of the Indenture, this Note may be redeemed by the Company prior to maturity for a redemption price equal to the principal
amount, plus any unpaid interest thereon to the date of redemption. Notice of redemption shall be given by mail to the holder
of this Note (the “Noteholder”) at his last address as it appears on the records of the Company not less than 30 nor
more than 60 days prior to the date fixed for redemption. Once notice of redemption is mailed, Notes called for redemption become
due and payable on the date of redemption set forth in the notice of redemption at the redemption price. On or before the redemption
date, the Company shall set aside money sufficient to pay the redemption price of all Notes to be redeemed on that date.

 

    	 	 	 

     

    

 

3.
Redemption at Request of Noteholder.

 

	 	(a)	BEGINNING
    180 DAYS AFTER THE ISSUANCE DATE, AT THE WRITTEN REQUEST OF THE NOTEHOLDER DELIVERED TO THE COMPANY, THE COMPANY MAY, AT ITS
    OPTION AND SUBJECT TO THE RESTRICTIONS OF SECTION 6 BELOW, BUT SHALL NOT BE REQUIRED TO, REDEEM THIS NOTE for a redemption
    price equal to the principal amount plus an amount equal to the unpaid interest thereon for this Note, as adjusted, at the
    stated rate to the redemption date minus an amount equal to the interest that would be payable thereon at the rate stated
    above for a 180-day period.
	 	 	 
	 	(b)	NOTWITHSTANDING
    THE FOREGOING SECTION 3(a), IF THIS NOTE (i) ON THE DATE OF ISSUE HAD A DURATION OF 36 MONTHS, AND (ii) HAS A DATE OF ISSUE
    OF FEBRUARY 4, 2020 OR AFTER, THEN, AT THE WRITTEN REQUEST DELIVERED TO THE COMPANY BY THE NOTEHOLDER, THE COMPANY SHALL,
    SUBJECT TO THE RESTRICTIONS OF SECTION 6 BELOW, REDEEM ALL OR A PORTION OF THIS NOTE (AS REQUESTED BY THE NOTEHOLDER) for
    a redemption price equal to the principal amount plus an amount equal to the unpaid interest thereon for this Note at the
    stated rate to the redemption date, as follows:

 

 (1) The Company shall redeem up to $10,000 of this Note within 7 days of the redemption request;

 

(2)
The Company shall redeem up to an additional $90,000 of this Note within 30 days of the redemption request;

 

(3)
The Company shall redeem any remaining amount of this Note requested to be redeemed within 90 days of the redemption request;
and

 

 (4) The Company shall redeem all or a portion of this Note if requested by the Noteholder, regardless of amount, within 1 business day but only if the Noteholder immediately upon redemption invests the entirety of the proceeds from such redemption in another security then-offered by the Company.

 

For
purposes of determining the length of time within which the Company must redeem all or a portion of this Note under this Section
3(b), the dollar amount of a given redemption request will be added to any amount or amounts of this Note previously requested
to be redeemed that were redeemed by the Company.

 

    	 	 	 

     

    

 

4.
Redemption Upon Death of Noteholder. Upon the death of the Noteholder, the Company shall be required to redeem this Note
at the date of the Noteholder’s death, as requested in the manner, and subject to the limitations, set forth below. The
redemption price shall be equal to 100% of the principal amount of the Note plus accrued interest on a daily basis to the redemption
date. Redemption of this Note shall be made as soon as reasonably possible, based on the Company’s then current case position
and needs, but generally within two weeks following the receipt by the Company or the Trustee of all of the following:

 

	 	(a)	a
    written request for redemption signed by a duly authorized representative of the Noteholder, which request shall set forth
    the name of the Noteholder, the date of death of the Noteholder and the principal amount of this Note;
	 	 	 
	 	(b)	evidence
    satisfactory to the Trustee and the Company of the death of the Noteholder and the authority of the representative to such
    extent as may be required by the Trustee or Company.

 

This
Note shall not be entitled to redemption pursuant to this Section 4 unless the Note has been registered in the Noteholder’s
name since its Date of Issue.

 

Authorized
representatives of the Noteholder shall include the following: executors, administrators, or other legal representatives of an
estate; trustees of a trust; joint owner of the Note owned in joint tenancy or tenancy by the entirety; attorneys-in-fact; and
other persons generally recognized as having legal authority to act on behalf of another.

 

5.
Reinvestment Option at Maturity. Between 30 and 60 days prior to the maturity date of this Note, the Company will deliver
a notice of the maturity date to the Noteholder and, if the Company is offering any reinvestment options and has an effective
offering available, a form containing options to reinvest the proceeds of this Note upon maturity in a new Note that is being
offered in such offering. The reinvestment form will contain the terms of Notes being offered at that time and the Noteholder
may select one of the reinvestment options offered. If the Noteholder properly completes, executes, and returns the reinvestment
form at least 5 business days prior to the maturity date, the proceeds of this Note will be deemed reinvested under the reinvestment
terms selected and a new Note will be issued by the Company within 5 business days after the maturity date of this Note. If the
Noteholder does not return a properly completed reinvestment form within the time period prescribed herein or there are no reinvestment
options offered by the Company, then the Company will pay the principal amount plus any unpaid interest to the Noteholder at maturity.

 

6.
Subordination. This Note is subordinated, in all rights to payment and in all other respects, to Senior Debt. Senior Debt
means all Debt (present or future) created, incurred, assumed, or guaranteed by the Company (and all renewals, extensions, or
refundings thereof), except such Debt that by its terms expressly provides that such Debt is not senior or superior in right of
payment to the Notes. Senior Debt shall include without limitation (i) the guarantee by the Company of any Debt of any other person
(including, without limitation, subordinated Debt of another person), unless such Debt is expressly subordinated to any other
Debt of the Company, (ii) all Debt of the Company maintained with banks and finance companies and any line of credit to be obtained
by the Company in the future and (iii) all Debt of the Company obtained from Affiliates. Notwithstanding anything herein to the
contrary, Senior Debt shall not include Debt of the Company to any of its subsidiaries or under the Notes. Any other Fixed Rate
Subordinated Notes issued by the Company pursuant to a public or private offering thereof shall be pari passu with this Note and
shall not constitute Senior Debt. Debt means any indebtedness, contingent or otherwise, in respect of borrowed money (whether
or not the recourse of the lender is to the whole of the assets of the Company or only to a portion thereof), or evidenced by
bonds, notes, debentures, or similar instruments or letters of credit, or representing the balance deferred and unpaid on the
purchase price of any property or interest therein, except any such balance that constitutes a trade payable, and shall include
any guarantee of any indebtedness described above. The Company agrees, and the Noteholder by accepting this Note agrees, to the
subordination provisions set forth in Article 10 of the Indenture. 

 

    	 	 	 

     

    

 

7.
Amendments and Waivers. As permitted in the Indenture, the Indenture, other than the subordination provisions, may be amended
and the rights and obligations of the Company and the rights of the holders of the Notes under the Indenture modified at any time
by the Company with the consent of the Trustee and holders of a majority in principal amount of the then outstanding Notes. The
Company and the Trustee may not modify the Indenture without the consent of each holder affected if the modification (i) affects
the terms of payment of, the principal of, or any interest on, any Note; (ii) changes the percentage of Noteholders who consent
to a waiver or modification as required; (iii) affects the subordination provisions of the Indenture in a manner that adversely
affects the right of any holder; or (iv) waives any Event of Default in the payment of principal of, or interest on, any Note.
As permitted by the Indenture, the Trustee and holders of a majority in principal amount of the then outstanding Notes, on behalf
of the holders of all Notes, may waive compliance by the Company with certain provisions of the Indenture and certain past defaults
under the Indenture and their consequences, except an Event of Default in the payment of principal or of interest on the Notes.

 

8.
Defaults and Remedies. If an Event of Default, as defined in the Indenture, occurs and is continuing, the principal of
and accrued interest on all Notes may be declared due and payable in the manner and with the effect provided in the Indenture.
The Indenture generally provides that an Event of Default occurs if: (i) the Company fails to pay any installment of interest
on a Note when the same becomes due and payable and the failure to pay continues for a period of thirty (30) days; (ii) the Company
fails to pay the principal of any Note when the same becomes due and payable at maturity, upon redemption or otherwise, and the
failure to pay continues for a period of thirty (30) days; (iii) the Company fails to comply with any of its other agreements
in, or the provisions of, the Note or the Indenture and such failure is not cured or waived within sixty (60) days after receipt
by the Company of a specific written notice from the Trustee or the holders of at least 25% in principal amount of the then outstanding
Notes; and (iv) the Company becomes subject to certain events of bankruptcy or insolvency.

 

9.
Transfer. As provided in the Indenture, this Note is transferable only on the Note register maintained by the Registrar,
upon surrender of this Note for transfer at the office of the Registrar, duly endorsed by, or accompanied by a written instrument
of transfer in a form satisfactory to the Company and the Registrar duly executed by, the registered holder hereof or his attorney
duly authorized in writing, a copy of which authorization must be delivered with any such instrument of transfer, and thereupon
one or more new Notes, of authorized denominations and for the same aggregate principal amount, will be issued to the designated
transferee or transferees. A service fee may be charged to replace a lost or stolen Note, to transfer this Note, or to issue a
replacement payment check. The Company, the Trustee, and any agent of the Company or the Trustee may treat the person in whose
name this Note is registered as the owner hereof for the purpose of receiving payment as herein provided and for all other purposes,
and neither the Company, the Trustee, nor any such agent shall be affected by notice to the contrary. The Company currently serves
as the Registrar and Paying Agent for the Notes.

 

    	 	 	 

     

    

 

10.
Owners. The registered Noteholder shall be treated as the owner of the Note for all purposes.

 

11.
No Recourse. A member, manager, director, officer, employee, or stockholder, as such, of the Company shall not have any
liability for any obligations of the Company under this Note or for any claim based on, or in respect of such obligations or their
creation. The Noteholder by accepting this Note waives and releases all such liability. The waiver and release are part of the
consideration for the issue of this Note.

 

THIS
NOTE IS NOT A BANK DEPOSIT NOR A BANK OBLIGATION AND IS NOT INSURED BY THE FDIC.

 

IN
WITNESS WHEREOF, the Company has caused this Note to be signed in its company name by an Officer at Jacksonville, Florida, on
the date first written above.

 

	 	SHEPHERD’S FINANCE, LLC
	 	 	 
	 	By:	                  
	 	Name:	 
	 	Title:

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