Document:

Exhibit
10.4

 

Filed
herewith as Exhibit 10.4 to the Form 10-K for the annual period ended December 31, 2015, is a copy of the Loan Agreement
and Commercial Promissory Note between CREEKSIDE by TAG LLC, a subsidiary of T.A.G. Acquisitions Ltd. (the
“Company”) and SHARESTATES INVESTMENTS, LLC (the “Lender”), entered into effective as of
November 20, 2015, (collectively, the “Creekside Agreements 1”). The Company has also entered into
three additional agreements through another subsidiary, TALL PINES by TAG, LLC, with the Lender that are substantially
identical in all material respects to the Creekside Agreements 1 except as described in the schedule below (the
“ Tall Pines Agreements 1”). Per Instruction 2 to Item 601 of Regulation S-K, the Company is not
filing the Tall Pines Agreements 1 as exhibits to the Form 10-K, but is filing this Schedule with Exhibit 10.4 describing the
differences between the Creekside Agreements 1 and the Tall Pines Agreements 1. 

 

I. Loan Agreement & Commercial Promissory Note

 

A) LOAN AGREEMENT:

 

	Section Name/Name of the Agreement	 	CREEKSIDE AGREEMENTS 1 *	 	TALL PINES AGREEMENTS 1
	Parties in the Preamble	 	CREEKSIDE BY TAG, LLC	 	TALL PINES BY TAG, LLC
	WITNESSETH	 	Amount: $2,009,650.00	 	Amount: $1,103,450.00
	1.01 (a) – Loan – Maximal Principal Amount	 	$2,009,650.00	 	$1,103,450.00
	1.01 (c)(1) – Loan Proceeds – “The Fee”	 	$40,193.00	 	$22,069.00
	1.01 (c)(2) – Loan Proceeds – Prepaid Interest Reserve	 	$241,158.00	 	$132,414.00
	1.01 (c)(3) – Loan Proceeds – document preparation fees to Char&Herzberg, LLP	 	$2,500.00	 	$2,500.00
	1.01 (c)(4) – Loan Proceeds – Commission to Atlas Investment Group	 	$40,193.00	 	$22,069.00
	1.01 (c)(7) – Loan Proceeds – per diem interest from 11/20/15 to 11/30/15	 	$7,365.72	 	$4,045.98
	1.02 Use of Proceeds	 	3000 EMBER DRIVE, DECATUR, GEORGIA 30034	 	
        1) 3200 CUSHMAN CIRCLE SW, ATLANTA, 30311;

        2) 3215 CUSHMAN CIRCLE SW, ATLANTA, 30311

        3) 3230 CUSHMAN CIRCLE SW, ATLANTA, 30311

	2.01 – Nature of Entity	 	CREEKSIDE BY TAG, LLC	 	TALL PINES BY TAG, LLC
	Signatures	 	CREEKSIDE BY TAG, LLC	 	TALL PINES BY TAG, LLC

 

B) COMMERCIAL PROMISSORY NOTE

 

	Section Name/Name of the Agreement	 	CREEKSIDE AGREEMENTS1 *	 	TALL PINES AGREEMENTS 1
	Parties in the Preamble	 	CREEKSIDE BY TAG, LLC	 	TALL PINES BY TAG, LLC
	Amount in the Preamble	 	$2,009,650.00	 	$1,103,450.00
	1.C.(I) – per month payment of interest	 	$20,096.50	 	$1,103,450.00
	1.C.(II) – Reserve Interest Payment	 	$241,158.00	 	$132,414.00
	1. F – Termination Fee	 	$120,579.00	 	$66,207.00
	Signatures	 	CREEKSIDE BY TAG, LLC	 	TALL PINES BY TAG, LLC

 

* Filed herewith

 

     

     

    

 

CREEKSIDE by TAG LLC

$2,009,650.00

NOVEMBER 20, 2015

 

LOAN AGREEMENT

 

This Loan Agreement (the “Agreement”),
made as of the 20th day of NOVEMBER, 2015 by and between SHARESTATES INVESTMENTS, LLC, a New York limited liability company
having its principal place of business at 11 Middle Neck Road, Suite 400A, Great Neck, New York, 11021 (“Lender”) and
CREEKSIDE BY TAG LLC., a Georgia limited liability company, having an address c/o Chester Meisels, 130 Route 59, Suite 6,
Spring Valley, New York, 10977 (“Borrower”)..

 

WITNESSETH

 

WHEREAS, Borrower
has requested that Lender make a loan to Borrower in the amount of TWO MILLION NINE THOUSAND SIX HUNDRED FIFTY AND 00/100
U.S. DOLLARS ($2,009,650.00) (the “Loan”), subject to and upon the terms and conditions hereinafter contained,
which is evidenced by the Commercial Promissory Note made by Borrower in favor of Lender dated November 20, 2015 (as same may
be amended, restated, or modified from time to time, the “Note”), secured by that certain Commercial Mortgage, Security
Agreement and Fixture Filing (the “Mortgage”) made by Borrower in favor of Lender and which Mortgage encumbers
the premises known as 3000 EMBER DRIVE, DECATUR, GEORGIA, 30034 and 3200 CUSHMAN CIRCLE SW, ATLANTA 30311 and and 3215 CUSHMAN
CIRCLE SW, ATLANTA 30311 and 3230 CUSHMAN CIRCLE SW, ATLANTA, 30311 being hereinafter collectively referred to as the “Mortgaged
Property”), and guaranteed by CHESTER MEISELS (the “Guarantor”) in that certain Commercial Guaranty (the
“Guaranty”) (this Agreement, the Note, the Mortgage, the Guaranty, and any other documents or agreements given to
Lender by Borrower or any guarantor in connection with the Loan whether or not specifically set forth herein, as each may be amended,
restated or modified from time to time, may hereinafter be collectively referred to as the “Loan Documents”); and

 

WHEREAS, Lender has agreed
to make the Loan to Borrower on the terms and conditions hereinafter set forth.

 

NOW, THEREFORE, in consideration
of the foregoing and of the covenants and conditions hereinafter set forth, Borrower and Lender hereby agree as follows:

 

ARTICLE 1: THE LOAN

 

1.01 Loan.

 

(a) Subject
to all terms and conditions of this Agreement, Lender may loan to Borrower and Borrower may borrow from Lender, from time to time,
up to TWO MILLION NINE THOUSAND SIX HUNDRED FIFTY AND 00/100 U.S. DOLLARS ($2,009,650.00) (“Loan”).
Said $2,009,650.00 is also sometimes referred to herein as the “Maximum Principal Amount”.

 

     

     

    

  

(b) Advances
made pursuant to this Section 1.01 shall be evidenced by the Note, and shall be referred to as the ‘Obligations.”
The aggregate of such advances under the Loan shall not exceed said Maximum Principal Amount.

 

(c) Subject
to a final closing statement prepared by Lender’s counsel and executed by Borrower (the “Closing Statement”),
the Loan proceeds shall be disbursed as follows:

 

(1)  The
sum of FORTY THOUSAND ONE HUNDRED NINETY THREE AND 00/100 DOLLARS ($40,193.00) shall be disbursed on behalf of Borrower
and simultaneously paid to Lender as a fully earned, non- refundable fee (the “Fee) in consideration of Lender’s commitment
to make the Loan on the terms and conditions stated herein. In no event shall the Fee be applied or credited in reduction of any
principal, interest, or other sum payable hereunder; and

 

(2)  The
sum of TWO HUNDRED FORTY ONE THOUSAND ONE HUNDERD FIFTY EIGHT AND 00/100 DOLLARS ($241,158.00) shall be disbursed
by Lender on behalf of Borrower and simultaneously paid to Lender (the “Prepaid Interest Reserve”) which shall be
credited against interest payments due under the terms of the Note, as such interest payments become due; and

 

(3)  The
sum of TWO THOUSAND FIVE HUNDRED DOLLARS ($2,500.00) shall be disbursed by Lender on behalf of Borrower and simultaneously
paid to CHAR & HERZBERG, LLP, in payment of its document preparation fees, which fees are inclusive of and not in addition
to the fees paid pursuant to that certain Loan Agreement dated the date hereof between Borrower and Lender in the amount of $339,000.00.

 

(4)  The
sum of FORTY THOUSAND ONE HUNDRED NINETY THREE AND 00/100 DOLLARS ($40,193.00) shall be disbursed on behalf of Borrower
and simultaneously paid to ATLAS INVESTMENT GROUP as a fully earned commission.

 

(5)  The
sum of ____________________________________ shall be disbursed on behalf of the Borrower and simultaneously paid to ATLANTIS
NATIONAL ORGANIZATION for title insurance related services.

 

(6)  The
sum of ____________________________________ shall be disbursed on behalf of the Borrower and simultaneously paid to THE MCDONELL
LAW FIRM for settlement agent and legal services on behalf of the lender.

 

(7)  The
sum of SEVEN THOUSAND THREE HUNDRED SIXTY EIGHT AND 72/100 DOLLARS ($7,368.72) shall be distributed disbursed on
behalf of the Borrower and simultaneously paid to Lender for per diem interest from 11/20/15 through 11/30/15.

 

(d) Payments
of interest only, in arrears, shall be due from Borrower on the first day of each and every month commencing on the first day of
the month immediately following the first advances as more particularly set forth in the Note. In the event Borrower fails to make
a payment within ten (10) days of the date such payment becomes due, Lender shall have the option, exercisable in its sole discretion,
to require interest payments to be paid weekly, in arrears, on the Wednesday of each week during the term of the Loan.

 

     

     

    

  

(e) If not sooner paid, all Obligations shall
be due and payable on the Maturity Date.

 

1.02 Use of Proceeds. Borrower
agrees that the Loan proceeds disbursed to Borrower will be used only for purchasing and renovating the property located
at the 3000 EMBER DRIVE, DECATUR, GEORGIA, 30034.

 

1.03 Conditions
Precedent to Lender’s Obligations. Lender shall not be obligated to make the Loan hereunder unless Lender shall have
received the following, all in form and substance satisfactory to the Lender in all respects:

 

(a) the Note, duly executed by Borrower;

 

(b) the Mortgage, duly executed by
Borrower;

 

(c) this Agreement, duly executed
by Borrower;

 

(d) the Guaranty, duly executed by
the Guarantor;

 

(e) the Collateral Assignment of Leases
and Rents, duly executed by Borrower;

 

(f) the Collateral Assignment of Contracts,
Plans, Permits, & Approvals, duly executed by Borrower;

 

(g) the Environmental Indemnity Agreement,
duly executed by Borrower and Guarantor;

 

(h) the Document Re-Execution Agreement,
duly executed by Borrower and Guarantor;

 

(i) the Closing Statement, duly executed
by Borrower;

 

(j) certificates of insurers, or other
evidence satisfactory to Lender, indicating that Borrower and Guarantor have obtained the policies of insurance as are required
under the terms of the Mortgage;

 

(k) a paid title insurance policy
(without survey exception) in the full amount of the Loan issued by a title insurance company acceptable to Lender (“Title
Insurance Company”) and insuring the Mortgage as a valid first lien on the Mortgaged Property, with such endorsements as Lender
shall require and subject to the permitted exceptions identified in the Mortgage;

 

(I) UCC-1 financing statements required
to evidence or perfect Lender’s security interest in the personal property affixed to the Mortgaged Property;

 

(m) an appraisal of the Mortgaged
Property;

 

(n) financial statements and tax returns
for Borrower, and the Guarantor;

 

     

     

    

  

(o) evidence of a search of the public
records which discloses no conditional sales contracts, chattel mortgages, leases of personality, financing statements or title
retention agreements filed or recorded against the Borrower or the Mortgaged Property;

 

(P) a survey of the Mortgaged Property
prepared in accordance with the “Minimum Standard Detail Requirements for ALTA and ACSM Land Title Surveys” jointly established
by ALTA and ACSM in 2011, as updated, and certified to Lender by a registered land surveyor acceptable to the Lender (“Survey”);

 

(q) copies of all permits or approvals
required by any governmental authorities to such date with respect to Borrower or the Mortgaged Property, to the extent the same
are necessary and appropriate to operate and develop the Mortgaged Property;

 

(r) an environmental audit of the
Mortgaged Property (Phase I and, if necessary Phase II);

 

(s) the bylaws/operating agreement
of Borrower certified by the Managing Member of Borrower;

 

(t) an incumbency certificate of Borrower
which shall certify the names and titles of the officers/members of the Borrower authorized to sign, in the name and on behalf
of Borrower this Agreement and each other Loan Document to be delivered pursuant to this Agreement by Borrower, together with the
true signatures of such officers, upon which certificate the Lender may conclusively rely;

 

(u) resolutions/consents of the Borrower
authorizing the transactions to be entered into by Borrower in connection with this Agreement;

 

(v) evidence that the Mortgaged Property
is not located in a federal or state flood hazard area;

 

(w) certification regarding debts
and liens, executed by the owner of the Mortgaged Property;

 

(x) INTENTIONALLY OMITTED

 

(y) opinions of legal counsel to the
Borrower with respect to such matters as the Lender may reasonably request including, but not limited to, opinions from Borrower’s
local counsel and Borrower’s Connecticut counsel;

 

(z) an opinion of legal counsel to
the Guarantor with respect to such matters as the Lender may reasonably request including, but not limited to, opinions from Guarantor’s
local counsel and Guarantor’s Connecticut counsel;

 

(aa) evidence of the appointment of
a New York agent to accept service of process on behalf of the Borrower and Guarantor, pursuant to the requirements of Section
7.13 of this Agreement;

 

(bb) evidence demonstrating current
full compliance with all applicable zoning, health, environmental and safety laws, ordinances and regulations (including, without
limitation, approval of local, private or public sewage or water utility);

 

     

     

    

  

(cc) certification from Borrower that
Borrower is not a party to any existing or pending or threatened litigation, except as previously disclosed to Lender;

 

(dd) evidence demonstrating receipt
of all appropriate approvals meeting all applicable requirements of any federal, state, county or municipal governmental agency,
board, commission, officer, official or entity exercising executive, legislative, judicial, regulatory or administrative functions
of or pertaining to government and having jurisdiction including, but not limited to, subdivision and site plan approvals, potable
water supply, sewage discharge and sewage connection, use of septic tanks or alternatives;

 

(ee) satisfactory evidence that all
roads and utilities necessary for the full utilization of the Mortgaged Property for its intended purposes have been completed
or the presently installed and proposed roads and utilities will be sufficient for the full utilization of Mortgaged Property for
its intended purposes; and

 

(ff) such other agreements, certificates
or other documents as Lender or Title Insurance Company may reasonably request.

 

ARTICLE 2: REPRESENTATIONS, WARRANTIES, AND GENERAL COVENANTS

 

On the date hereof, and in order to induce Lender to enter into
this Agreement, Borrower represents, warrants, and covenants the following:

 

2.01 Nature of Entity. CREEKSIDE BY
TAG, LLC. is a corporation, validly existing and in good standing under the laws of the State of GEORGIA, and is and
will continue to be duly qualified and licensed to do business in any other state in which it is required to be so qualified, organized
and/or licensed.

 

2.02 Power and Authority. Borrower
has the power to execute, deliver, and carry out this Agreement and to incur the Obligations, and has taken all necessary action
to authorize the execution, delivery and performance by Borrower of this Agreement and the incurring of the Obligations.

 

2.03 No Legal Bar. The execution
and delivery of this Agreement and compliance by Borrower with any of the terms and provisions hereof or of any of the other agreements
or instruments referred to herein will not, on the date hereof, violate any provision of any existing law or regulation or any
writ or decree of any court or governmental instrumentality, or any agreement or instrument to which Borrower is a party or which
is binding upon it or its assets, and will not result in the creation or imposition of any lien, security interest, charge, or
encumbrance of any nature whatsoever upon or in any of its assets, except as contemplated by this Agreement; and no consent of
any other party, license approval or authorization of or registration or declaration with any governmental bureau or agency, is
required in connection with the execution, delivery, performance, validity, and enforceability of this Agreement.

 

     

     

    

  

2.04 No Material Litigation. No
petition for bankruptcy, whether voluntary or involuntary, or assignment for the benefit of creditors, or any other action involving
debtors’ and creditors’ rights has been filed under the laws of the United States of America or any state thereof,
or is pending or threatened against Borrower. There are no claims, suits, actions, litigation or proceedings, pending or threatened,
at law or in equity, before any court, public board or body or arbitrator, and there are no judgments, permits, decrees, or orders
which have been issued, which would materially and adversely affect any of the obligations of Borrower under the Note or this Agreement,
and Borrower has not filed for an arrangement or a petition in bankruptcy nor has one been filed against Borrower.

 

2.05 No Default. Borrower is not,
on the date hereof, in default with respect to the payment or performance of any of its obligations or in the performance of any
covenants or conditions to be performed by it pursuant to the terms and provisions of any indenture, agreement, or instrument to
which it is a party or by which it may be bound.

 

2.06 Compliance with Laws. Borrower
has complied with and will continue to comply with all applicable statutes and regulations of the United States of America, and
all states, counties, municipalities, and agencies of any thereof with respect to (i) the conduct of its business operations;
and (ii) the use, maintenance, and operation of the real and personal properties owned or leased by it in the operation
of its business.

 

2.07 No Secondary Liabilities. There
are no outstanding contracts or agreements of guaranty or suretyship made by Borrower, or to which it is a party.

 

2.08 Taxes. Borrower has filed,
caused to be filed, or obtained extensions for the filing of, and will continue to file and cause to be filed, all federal, state,
and local tax returns required by law to be filed, and has paid and will continue to pay all taxes, including without limitation
real estate taxes or on any assessment made against it, except if being contested in good faith.

 

2.09 Financial Condition. Borrower
has submitted to Lender various financial statements and information, and represents that all of said financial information is
true and correct, that such financial information fairly presents the financial condition of Borrower as of the date thereof and
that, as of the date of said financial information submitted, there was no material unrealized or anticipated losses from any unfavorable
commitments of Borrower, and that there has been no material adverse change in the business or assets or in the condition, financial
or otherwise, of Borrower from that set forth in said financial statements. Borrower is solvent, is not bankrupt, is not contemplating,
nor has recently contemplated or filed, for bankruptcy, receivership, or reorganization proceedings (nor is there any prospect
of such). All of Borrower’s obligations to any creditor are current and not in default.

 

2.10 Representation Accuracy. No
representation or warranty by Borrower contained in any certificate or other document furnished or to be furnished by Borrower
pursuant hereto or in connection with the transactions contemplated hereunder, contains, or at the time of delivery will contain,
any untrue statement of material fact or omits or will omit to state a material fact necessary to make it not misleading.

 

2.11 Cross-Default. Borrower hereby
acknowledges and agrees that a default under the terms and conditions of any other loans, obligations, liabilities, or indebtedness
of Borrower (whether now existing or hereafter arising) with Lender or any other lender shall be deemed to be a default under the
terms and conditions of the Note and this Agreement.

 

ARTICLE 3: AFFIRMATIVE COVENANTS

 

Borrower covenants and agrees that, so long as any of the Obligations
to Lender shall remain outstanding, Borrower will perform and observe each and all of the covenants and agreements herein set forth.

 

     

     

    

  

3.01 Payments Under this Agreement.
Borrower will make timely payment of all monies and will faithfully and fully keep and perform all of the terms, conditions,
covenants, and agreements contained on Borrower’s part to be paid, kept, or performed hereunder, and will be bound in all
respects as debtor under this Agreement, the Note, and any other instruments or documents executed and/or delivered in connection
herewith or therewith.

 

3.02 Payment of Liabilities. Borrower
will pay and discharge at or before their maturity all taxes, assessments, rents, claims, debts, and charges, except where the
dame may be contested in good faith and/or non-payment is advised by Borrower’s counsel, and maintain, in accordance with
generally accepted accounting principles and practice, appropriate reserves for the accrual of any of the same.

 

3.03 Compliance with Laws, Care of Property.
Borrower will do, or cause to be done, all things necessary to comply with all laws, and to at all times maintain, preserve,
and protect its property used or useful in the conduct of its business and keep the same in good condition and repair (normal wear
and tear and obsolescence excepted), and from time to time make, or cause to be made, all needful and proper repairs, renewals,
replacements, betterments, and improvements thereto.

 

3.04 Notices. All notices, requests,
demands or other communications to or upon the respective parties hereto shall be made in accordance with the terms of the Mortgage.

 

3.05 Insurance. Borrower will keep
the property insured in accordance with the terms of the Mortgage.

 

ARTICLE 4: NEGATIVE COVENANTS

 

4.01 Fundamental Changes. So long
as any Obligations of Borrower to Lender remain outstanding and unpaid, Borrower covenants and agrees that it will not merge or
consolidate with or into any other entity; dissolve or liquidate; convey, sell, lease, or otherwise dispose of all or substantially
all of its property, assets, or business; change the present form, ownership, or control of its business.

 

ARTICLE 5: DEFAULT

 

5.01 Default. Borrower hereby agrees
that, if any Event of Default, as defined in the Note or Mortgage, shall occur, Lender may declare the entire unpaid balance owed
under the Note, this Agreement, or other sums owed hereunder or under any such note, immediately due and payable without presentment,
demand, protest, notice of protest, or other notice of dishonor of any kind, all of which are hereby expressly waived by Borrower.
All such rights of Lender are cumulative, not exclusive, and enforceable alternatively, successively, or concurrently.

 

5.02 Default Rate. After the occurrence
of an Event of Default, interest will accrue at the Default Rate, as defined in the Note.

 

ARTICLE 6: INDEMNIFICATION OF AND REIMBURSEMENT TO LENDER

 

6.01 Indemnification by Borrower. Borrower
shall indemnify and hold Lender harmless from and against any and all claims, demands, losses, judgments, liabilities, costs or
expenses (including, without limitation, reasonable attorneys’ fees and disbursements) which Lender may incur arising out of or
resulting from the Note, this Agreement, the Lender’s security interest in the Mortgaged Property, or enforcement or exercise
of any right or remedy granted to the Lender under this Agreement. In no event shall Lender be liable to the Borrower for any
matter or thing in connection with this Agreement other than to account for monies actually received by it.

 

     

     

    

  

6.02 Cure by Lender. Following an
Event of Default, Lender may, but shall not be required to, do any act or thing which Borrower has covenanted to do hereunder or
cause to be done or remedy any such breach and there shall be added to the Obligations of Borrower the cost or expense incurred
by Lender in so doing, and any and all amounts expended by Lender in taking such action, shall be repayable to it upon its demand
to Borrower therefor and shall bear interest from the date such cost or expense was incurred by Lender to the date paid in full
at the rate of interest set forth in the Note.

 

6.03 Reimbursement of Expenses. Borrower
shall pay to Lender all costs and expenses paid or incurred by Lender (including, without limitation, reasonable attorneys’
fees and disbursements) in connection with the preparation for or any actual or attempted disposition of any of the Mortgaged Property.
All such costs and expenses incurred by Lender shall be repayable to it upon its demand to Borrower and shall bear interest from
the date the same were incurred to the date paid in full at the interest rate set forth in the Note.

 

ARTICLE 7: MISCELLANEOUS

 

7.01 Governing
Law. THIS MORTGAGE IS MADE BY MORTGAGOR AND ACCEPTED BY MORTGAGEE IN THE STATE OF NEW YORK EXCEPT THAT AT ALL TIMES THE PROVISIONS
FOR THE CREATION, PERFECTION, PRIORITY, ENFORCEMENT AND FORECLOSURE OF THE LIENS AND SECURITY INTERESTS CREATED IN THE MORTGAGED
PROPERTY UNDER THE LOAN DOCUMENTS SHALL BE GOVERNED BY AND CONSTRUED ACCORDING TO THE LAW OF THE STATE WHERE THE MORTGAGED PROPERTY
IS LOCATED. TO THE FULLEST EXTENT PERMITTED BY THE LAW OF THE STATE WHERE THE MORTGAGED PROPERTY IS LOCATED, THE LAW OF THE STATE
OF NEW YORK SHALL GOVERN THE VALIDITY AND ENFORCEABILITY OF ALL LOAN DOCUMENTS, AND THE DEBT OR OBLIGATIONS ARISING HEREUNDER (BUT
THE FOREGOING SHALL NOT BE CONSTRUED TO LIMIT LENDER’S RIGHTS WITH RESPECT TO SUCH SECURITY INTEREST CREATED IN THE STATE
WHERE THE MORTGAGED PROPERTY IS LOCATED).

 

7.02 JURY TRIAL
WAIVER. BORROWER AND LENDER EACH HEREBY UNCONDITIONALLY AND IRREVOCABLY WAIVE ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY ACTION,
SUIT, COUNTERCLAIM, OR CROSS-CLAIM ARISING IN CONNECTION WITH, OUT OF, OR OTHERWISE RELATING TO THE LOAN DOCUMENTS, THE OBLIGATIONS,
THE MORTGAGED PROPERTY, ANY TRANSACTION ARISING THEREFROM OR RELATED THERETO, OR ANY DISPUTE INVOLVING BORROWER AND LENDER. FURTHER,
EXCEPT AS PROHIBITED BY LAW, BORROWER WAIVES ANY RIGHT WHICH IT MAY HAVE TO CLAIM OR RECOVER IN ANY LITIGATION BETWEEN THE PARTIES
ANY SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR ANY DAMAGES OTHER THAN, OR IN ADDITION TO, ACTUAL DAMAGES. BORROWER
ACKNOWLEDGES AND AGREES THAT THIS SECTION 7.02 IS A SPECIFIC AND MATERIAL ASPECT OF THIS AGREEMENT AND THAT LENDER WOULD NOT EXTEND
CREDIT TO BORROWER IF THE WAIVERS SET FORTH IN THIS SECTION 7.2 WERE NOT A PART OF THIS AGREEMENT.

 

     

     

    

  

7.03 No Waiver by Lender. No course
of dealing between Borrower and Lender and no failure to exercise or delay in exercising on the part of Lender any right, power,
or privilege under the terms of this Agreement or under the terms of any other agreements, instruments, or other documents between
Lender and Borrower shall operate as a waiver thereof; not shall any single or partial exercise of any right, power, or privilege
hereunder or thereunder preclude any other or further privilege. The rights and remedies provided herein or in any other agreement
are cumulative and not exclusive or in derogation of any rights or remedies provided in and thereof, by law or otherwise.

 

7.04 Survival of Representations. All
agreements, representations, and warranties made herein, in any agreement and in any statements, notices, invoices, certificates,
schedules, documents, or other instruments delivered to Lender in connection with the Agreement or any other agreement shall survive
the making of the loans and advances hereunder.

 

7.05 Further Documentation. Borrower
agrees that, at any time or from time to time upon written request of Lender, Borrower will execute and deliver such further documents
and do such other acts and things as Lender may reasonably request in order to fully effect the purposes of this Agreement and
the documents referred to herein. Borrower agrees that, to the extent any facts or circumstances reported on exhibits hereto are
materially changed, whether by addition, subtraction, modification, etc., Borrower will promptly notify Lender of such changes,
additions, subtractions, modifications, etc.

 

7.06 Entire Agreement. This Agreement,
together with the other Loan Documents executed in connection herewith, constitutes the entire agreement and understanding among
the parties relating to the subject matter hereof and supersedes all prior proposals, negotiations, agreements, and understandings
relating to such subject matter. In entering into this Agreement, Borrower acknowledges that it is not relying on any representation,
warranty, covenant, promise, assurance, or other statement of any kind made by Lender or by any employee or agent of Lender.

 

7.07 Rights of Assignees and Successors.
All rights of Lender in, to, and under this Agreement and any other instrument or document executed and/or delivered in connection
herewith shall pass to and may be exercised by any assignee thereof. Borrower agrees that, in the event of an assignment of this
Agreement and notice of such assignment to Borrower, the liability of Borrower to a holder for value of this Agreement shall be
immediate and absolute and not affected by any actions of Lender and that Borrower will not set up any claim against Lender as
a defense, counterclaim, or setoff to any action for the unpaid balance owed under this Agreement or for possession brought by
said holder. All rights of Lender hereunder shall inure to the benefit of its successors and assigns and any subsequent holder
of the Note, and all Obligations of Borrower shall bind the heirs, executors, administrators, successors, and assigns of Borrower.

 

7.08 Attorneys’ Fees and Expenses.
Borrower agrees to pay all reasonable attorneys’ fees and expenses, including recording and filing fees, incurred by
Lender in connection with the financing being concluded this day as well as any fees and expenses of counsel, whether incurred
before or after the Obligations are paid and performed in full, which Lender may hereafter incur in reasonably protecting, enforcing,
increasing, or releasing any security held by Lender, and in foreclosing any mortgage and/or in sustaining the validity of any
mortgage. Borrower specifically authorizes Lender to pay all such fees and expenses and charge the same to its loan account.

 

7.09 Headings. The descriptive headings
of the several sections of this Agreement are inserted for convenience only and shall not be deemed to affect the meaning or construction
of any of the provisions hereof.

 

     

     

    

  

7.10 Severability. If any provision
of this Agreement or application thereof to any person or circumstance shall to any extent be invalid, the remainder of this Agreement
or the application of such provision to persons, entities, or circumstances other than those as to which it is held invalid, shall
not be affected thereby and each provision of this Agreement shall be valid and enforceable to the fullest extent permitted by
law.

 

7.11 Further Assurances. Borrower
shall execute and deliver to Lender all instruments and do such further acts and things as Lender may reasonably request which
may be necessary or desirable to effect the purposes of this Agreement.

 

7.12 Governing Law. This Agreement
shall be construed in accordance with, and governed by, the laws of the State of New York.

 

7.13 Jurisdiction.
AT LENDER’S ELECTION, TO BE ENTERED IN ITS SOLE DISCRETION, ANY LEGAL SUIT, ACTION OR PROCEEDING AGAINST BORROWER OR LENDER
ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE OTHER LOAN DOCUMENTS SHALL BE INSTITUTED IN ANY FEDERAL OR STATE COURT IN
NEW YORK, AND BORROWER WAIVES ANY OBJECTION WHICH IT MAY NOW OR HEREAFTER HAVE TO THE LAYING OF VENUE OF ANY SUCH SUIT, ACTION
OR PROCEEDING, AND HEREBY IRREVOCABLY SUBMITS TO THE JURISDICTION OF ANY SUCH COURT IN ANY SUIT, ACTION OR PROCEEDING. BORROWER
DOES HEREBY DESIGNATE AND APPOINT CHESTER MEISELS AT 130 ROUTE 59, SUITE 6, SPRING VALLEY, NEW YORK 10977 TO RECEIVE AND
FORWARD ON ITS BEHALF SERVICE OF ANY AND ALL PROCESS WHICH MAY BE SERVED IN ANY SUCH SUIT, ACTION OR PROCEEDING IN ANY FEDERAL
OR STATE COURT IN NEW YORK, AND AGREES THAT SERVICE OF PROCESS UPON SAID AGENT AT SAID ADDRESS AND WRITTEN NOTICE OF SAID SERVICE
MAILED OR DELIVERED TO BORROWER IN THE MANNER PROVIDED IN THE MORTGAGE, SHALL BE DEEMED IN EVERY RESPECT EFFECTIVE SERVICE OF
PROCESS UPON BORROWER IN ANY SUCH SUIT, ACTION OR PROCEEDING IN THE STATE OF NEW YORK. BORROWER (1) SHALL GIVE PROMPT NOTICE TO
THE LENDER OF ANY CHANGED ADDRESS OF ITS AUTHORIZED AGENT HEREUNDER, (2) MAY AT ANY TIME AND FROM TIME TO TIME DESIGNATE A SUBSTITUTE
AUTHORIZED AGENT WITH AN OFFICE IN NEW YORK (WHICH OFFICE SHALL BE DESIGNATED AS THE ADDRESS FOR SERVICE OF PROCESS), AND (3)
SHALL PROMPTLY DESIGNATE SUCH A SUBSTITUTE IF ITS AUTHORIZED AGENT CEASES TO HAVE AN OFFICE IN CONNECTICUT OR IS DISSOLVED WITHOUT
LEAVING A SUCCESSOR.

 

7.14 Amendments. This Agreement
may not be altered, amended, waived, or modified in any way whatsoever except by a writing duly executed by the party to be charged
therewith.

 

7.15 Entire Agreement. This Agreement
constitutes the entire agreement between the parties hereto with respect to the subject matter hereof.

 

[Remainder of this page intentionally left
blank]

 

     

     

    

  

IN WITNESS WHEREOF, the parties have
hereunto set their hands on the 20th day of NOVEMBER, 2015.

 

	Signed, Sealed, and Delivered in the Presence of:	 	BORROWER 
	 	 	CREEKSIDE by TAG LLC
	 	 	 
	Name:	 	By:	/s/ Chester Meisels
	 	 	Name:	CHESTER MEISELS
	 	 	Title:	MANAGING MEMBER

 

The undersigned Guarantor acknowledges and
agrees to all of the terms and conditions herewith, including, without limitation, the cross-default provision contained in Section
2.11 hereof and shall be personally bound thereby.

 

	 	/s/ Chester Meisel
	 	CHESTER MEISEL,
	 	As Guarantor

 

	Signed, Sealed and Delivered in the Presence of:	 	SHARESTATES INVESTMENTS, LLC
	 	 	 
	Name:	 	By:	 
	 	 	 	Alan Shayanfekr
	 	 	 	Managing Director

 

     

     

    

  

	STATE OF NEW YORK	)	 
	 	)ss.:	 
	COUNTY OF NEW YORK	)	 

 

On the 20th day of November, 2015,
before me, the undersigned, a notary public in and for said State, personally appeared CHESTER MEISELS, personally known to me
or proved to me on the basis of satisfactory evidence to be the individuals whose names are subscribed to the within instrument
and acknowledged to me that they executed the same in their capacities, and that by their signatures on the instrument, individuals,
or the persons upon behalf of which the individual acted, executed the instrument.

 

	 	 	SAM MA
	 	 	 Notary Public
    State of New York 
	 	 	No. 01MA6235980
	 	 	Qualified in New
    York County 

Commission Expires
    February 22, 2019
	Notary Public	 	 

 

	STATE
    OF NEW YORK 	)	 
	 	)ss:	 
	COUNTY OF NASSAU	)	 

 

I certify that on ______________,
2015, Allen Shayanfekr came before me in person and stated to my satisfaction that he:

 

(a) made the attached
instrument; and

 

(b) was authorized
to and did execute this instrument on behalf of and as Managing Director of Share states Investments, LLC, (the “Company”),
the entity named in this instrument, as the free act and deed of the Company, by virtue of the authority granted by its operating
agreement and its members.

 

	 	 	 
	 	Name:	 
	 	Notary Public 	 
	 	My Commission Expires:	 

 

     

     

    

  

CREEKSIDE by TAG LLC

$ 2,009,650.00

 

NOVEMBER 20, 2015

 

COMMERCIAL PROMISSORY NOTE

 

FOR VALUE RECEIVED, the undersigned, CREEKSIDE
BY TAG LLC., a Georgia limited liability company, having an address c/o Chester Meisels, 130 Route 59, Suite 6, Spring Valley,
New York, (hereinafter referred to as “Maker”), promises to pay to the order of SHARESTATES INVESTING, LLC, a
New York limited liability company at its principal place of business at 11 Middle Neck Road, Suite 400A, Great Neck, NY 11021
(“Lender”), or at such other place as the holder hereof may designate, the principal sum of TWO MILLION NINE THOUSAND
SIX HUNDRED FIFTY AND 00/100 U.S. DOLLARS ($2,009,650.00) with interest on said unpaid balance computed from November 20, 2015
(the “Commencement Date”) hereinafter set forth, together with all taxes assessed upon this Note and together with
any costs, expenses, and reasonable attorneys’ fees incurred in the collection of this Note or in protecting, maintaining,
or enforcing its security interest or any mortgage securing this Note or upon any litigation or controversy affecting this Note
or the security given therefor, including, without limitation, proceedings under the Federal Bankruptcy Code.

 

1. Payments. Principal and interest
hereunder shall be payable as follows:

 

A. From
the Commencement Date, interest on the unpaid balance shall accrue at the rate of twelve percent (12%) per annum, for the period
beginning on and including the Commencement Date to the last day of the month in which the Commencement Date occurs and shall be
payable at the closing of the loan.

 

B. The
rate of interest of this Note, which shall remain effective until an Event of Default (as defined below), shall be fixed at twelve
percent (12%) per annum. Interest on this Note shall be calculated on the basis of a 30-day month and a 360-day year.

 

C. Beginning
on DECEMBER 1, 2015 and continuing on the 1st day of each and every month thereafter through and including the payment
due on NOVEMBER 30, 2016 (hereinafter referred to as the “Maturity Date”).

 

		I)	Maker shall make payments of interest only, in arrears,
in the amount of TWENTY THOUSAND NINETY-SIX AND 50/100 DOLLARS ($20,096.50) per month. In the event Maker fails
to make a payment within ten (10) days of the date such payment becomes due, Lender shall have the option, exercisable in its
sole discretion, to require interest payment to be paid weekly, in arrears, on the Wednesday of each week during the term of the
loan.

 

		II)	It is further agreed that the Lender at time of funding
shall immediately withdraw from the loan amount one year of interest payments from the loan amount in the amount totaling TWO
HUNDRED FORTY ONE THOUSAND ONE HUNDERD FIFTY EIGHT AND 00/100 DOLLARS ($241,158.00) (hereinafter referred to as the “Reserve
Interest Payments”. The Reserve Interest Payments encompass a Lender mandated and Maker accepted prepayment of the monthly
payments noted in Section 1 Paragraph C(I) noted in this Commercial Property Note Herein.

 

     

     

    

  

D. If
not sooner paid, the entire balance due, principal, accrued interest, and together with all other sums due hereunder, shall be
due and payable in full on NOVEMBER 30, 2016 (the “Maturity Date’’). It is understood and agreed by Maker that
if sufficient prepayments of principal have not been made, a balloon payment will be due on the Maturity Date.

 

E. All
payments received will be credited first to late charges and costs hereunder, then to interest accrued at the applicable interest
rate hereinafter set forth, with the balance on account of principal.

 

F. In
addition to the monthly interest only payments required above, upon payment in full of the principal balance outstanding hereunder
or on the Maturity Date or such earlier applicable date, Maker shall pay to Lender a Loan Termination Fee in the amount of $120,579.00
or six months interest, if the entire outstanding balance due and payable under this Note is prepaid prior to JUNE 1, 2016. If
the entire balance of the Loan is paid in full thereafter then the Termination Fee shall be waived.

 

G. At
no time shall the interest rate exceed the maximum rate permitted by the usury statutes governing this Note, if any. If, by application
of the above interest rate formula, the interest rate would exceed and violate such usury statutes, interest shall accrue at the
maximum rate permitted by law.

 

2. Security. This Note is secured
by, among other things, a first priority Commercial Mortgage, Security Agreement, and Mortgage Spreader Agreement (the “Mortgage”)
on that certain piece or parcel of real property known as 3000 EMBER DRIVE, DECATUR, GEORGIA, 30034 and 3200 CUSHMAN CIRCLE SW,
ATLANTA 30311 and 3215 CUSHMAN CIRCLE SW, ATLANTA 30311 and 3230 CUSHMAN CIRCLE SW, ATLANTA 30311 (being hereinafter collectively
referred to as the “Premises”), being more specifically described in said Mortgage.

 

3. Default. If any of the following
events occur (which is an “Event of Default”), Lender may declare the entire outstanding principal balance hereof, together
with any other amounts that Maker owes to Lender, to be immediately due and payable:

 

		a.	Maker fails to pay any installment of principal and/or
interest or any other charges due under this Note or any Notes or Non Revolving Credit lines of any of the Premises noted as the
Security in paragraph 2 herein, within ten (10) days after the same becomes due and payable;

 

		b.	Maker defaults in any other obligations, liabilities, or
indebtedness with Lender (whether now existing or hereafter arising);

 

		c.	Maker sells, leases, or otherwise disposes of all or substantially
all of its property, assets, or business, or if Maker ceases any of its business operations, dissolves, or commences reorganization;

 

		d.	Makers makes or takes any action to make a general assignment
for the benefit of its creditors or becomes insolvent or has a receiver, custodian, trustee in Bankruptcy, or conservator appointed
for it or for substantially all or any of its assets;

 

     

     

    

  

		e.	Makers files or becomes the subject of a petition in Bankruptcy
or upon the commencement of any proceeding or action under any Bankruptcy laws, insolvency laws, relief of debtors laws, or any
other similar law affecting Maker, provided, however, that Maker shall have sixty (60) days from the filing of any involuntary
petition in Bankruptcy to have the same discharged and dismissed;

 

		f.	Upon the failure by Maker to observe or perform, or upon
default in, any covenants, agreements, or provisions in the Mortgage or in any other instrument, document, or agreement, executed
and/or delivered in connection herewith or therewith;

 

		g.	Any representation or statement made herein or any other
representation or statement made or furnished to Lender by Maker was materially incorrect or misleading at the time it was made
or furnished;

 

		h.	In the event of any material adverse change in the financial
condition of Maker or any guarantor of the loan; or

 

		i.	Upon the death of any guarantor of the loan.

 

4. Default Rate. After the occurrence
of an Event of Default, interest will accrue at the lesser of (i) twenty percent (20%) per annum or (ii) the maximum
rate allowed by law. Interest will continue to accrue at the default rate after judgment until the Note is paid in full.

 

5. Prepayment. Provided that Maker
is not in default hereunder, Maker may prepay all or any portion of the unpaid principal balance of this Note at any time. All
prepayment shall be applied first to any costs or charges due hereunder, then to interest due and owing hereunder, and then to
principal then outstanding, in inverse order of maturity.

 

6. Late Charge. It is further agreed
that the holder hereof may collect a late charge equal to ten percent (10%) of any payment required hereunder, including the final
payment, or required under any security agreement, mortgage, or any other instrument, document, or agreement executed and/or delivered
in connection herewith which is not paid within ten (10) days of the due date thereof. This late charge is to cover the extra expenses
involved in handling delinquent payments and is not to be construed to cover other costs and attorneys’ fees incurred in any action
to collect this Note or to foreclose the mortgage securing the same. This provision shall not affect or limit the holder’s rights
or remedies with respect to any Event of Default.

 

7. Lien/Set Off.   Maker hereby gives
the holder hereof a lien and right of set off for all of Maker’s liabilities to the holder hereof or Lender upon and against
all deposits, credits, and other property of Maker now or hereafter in the possession or control of the holder hereof, or in transit
to it, excepting however, funds held in trust by Maker. All payments shall be made in lawful currency of the United States of America
in immediately available funds, without abatement, counterclaim, or set-off, and free and clear of, and without any deduction or
withholding for, any taxes or other matters.

 

8. Purpose of Loan.     Maker represents
and warrants that the proceeds of this Note are to be used solely for business and commercial purposes and not at all for any personal,
family, household, or other noncommercial or farming or agricultural purposes. Maker acknowledges that Lender is making this loan
to Maker in reliance upon the above representation by Maker. The above representation by Maker will survive the closing of this
loan and repayment of amounts due to Lender hereunder.

 

     

     

    

  

9. Other Obligations. To the extent
that the outstanding balance of this Note is reduced or paid in full by reason of any payment to Lender by an accommodation maker,
endorser, or guarantor, and all or any part of such payment is rescinded, avoided, or recovered from Lender for any reason whatsoever,
including, without limitation, any proceedings in connection with the insolvency, bankruptcy, or reorganization of the accommodation
maker, endorser, or guarantor, the amount of such rescinded, avoided, or returned payment shall be added to or, in the event this
Note has been previously paid in full, shall revive the principal balance of this Note upon which interest may be charged at the
applicable rate set forth in this Note and shall be considered part of the outstanding balance of this Note and all terms and provisions
herein shall thereafter apply to the same.

 

10. Waiver.        MAKER (AND EACH AND EVERY
ENDORSER, GUARANTOR, AND SURETY OF THIS NOTE) ACKNOWLEDGES THAT THE LOAN EVIDENCED BY THIS NOTE IS A COMMERCIAL TRANSACTION, AND
HEREBY VOLUNTARILY AND KNOWINGLY WAIVES THE RIGHT TO NOTICE AND HEARING WITH RESPECT TO ANY PREJUDGMENT REMEDY AS DEFINED THEREIN,
and further waives diligence, demand, presentment for payment, notice of nonpayment, protest and notice of protest and notice of
any renewals or extensions of this Note and agrees that the time for payment of this Note may be changed and extended as provided
in said Mortgage or any security agreement, without impairing Maker’s liability thereon, and further consents to the release
of all or any part of the security for the payment hereof, or the release of any party liable for this obligation without affecting
the liability of the other parties hereto. Any delay on the part of the holder hereof in exercising any right hereunder shall not
operate as a waiver of any such right, and any waiver granted for one occasion shall not operate as a waiver in the event of any
subsequent default. MAKER FURTHER WAIVES TRIAL BY JURY AND ACKNOWLEDGES THAT IT MAKES THIS WAIVER KNOWINGLY AND VOLUNTARILY.

 

11. Binding Effect.        This Note shall
be binding on Maker, its successors and assigns and shall inure to the benefit of Lender, any holder hereof, its successors and
assigns.

 

12.  Governing Law/Choice of Law. This
Note shall be governed by, and construed in accordance with, the laws of the State of New York, without reference to conflicts
of laws principles thereof.

 

13. Venue. For any proceeding in a court of law or arbitration
shall occur in the County of New York, State of New York.

 

14. Joint and Several. Should this
Note be signed by more than one Maker, references in this Note to Maker in the singular shall include the plural and all obligations
herein contained shall be joint and several of each signer hereof.

 

15. Rights Cumulative. The rights
and remedies of Lender shall be cumulative and not in the alternative, and shall include all rights and remedies granted herein,
in any document referred to herein or executed and/or delivered in connection herewith, and under all applicable laws, and the
exercise of any one or more of them will not be a waiver of any other.

 

15. Severability.    If
any term, clause, or provision hereof shall be adjudged to be invalid or unenforceable by a court of appropriate jurisdiction,
the validity and enforceability of the remainder shall not affected thereby and each such term, clause, or provision shall be valid
and enforceable to the fullest extent permitted by law.

 

[No further text on this page; signatures
appear on following page]

 

     

     

    

  

IN WITNESS WHEREOF, the undersigned have
executed this Commercial Promissory Note as of the 20th day of November, 2015.

 

	 	BORROWER
	 	CREEKSIDE BY TAG LLC.
	 	 
	 	By:	/s/ Chester Meisels 
	 	 	Name:  Chester Meisels 
	 	 	Title:   President
	 	 
	 	GUARANTOR
	 	 
	 	By:	/s/ Chester Meisels
	 	 	Name: Chester Meisels, as an individual

 

	Signed and Sealed in the Presence of:	 
	 	 
	 	 
	Notary Public	 
	 	 
	SAM MA

    Notary Public, State of New York

    No. 01MA6235980

    Qualified in New York Country

    Commission Expires February20, 2019Exhibit
10.5

 

Filed
herewith as Exhibit 10.5 to the Form 10-K for the annual period
ended December 31, 2015, is a copy of the Loan Agreement and Commercial Non-Revolving Line of Credit Promissory Note
between CREEKSIDE by TAG LLC, a subsidiary of T.A.G. Acquisitions Ltd. (the “Company”) and SHARESTATES
INVESTMENTS, LLC (the “Lender”), entered into effective as of November 20, 2015, (collectively, the
“Creekside Agreements 2”). The Company has also entered into three additional agreements through another
subsidiary, TALL PINES by TAG, LLC, with the Lender that are substantially identical in all material respects to the
Creekside Agreements 2 except as described in the schedule below (the “ Tall Pines Agreements
2 ”). Per Instruction 2 to Item 601 of Regulation S-K, the Company is not filing the Tall Pines
Agreements 2 as exhibits to the Form 10-K, but is filing this Schedule with Exhibit 10.5 describing the differences between
the Creekside Agreements 2 and the Tall Pines Agreements 2.

 

I. Loan Agreement & Commercial Non-Revolving Line of Credit
Promissory Note

 

A) LOAN AGREEMENT:

 

	Section Name/Name of the Agreement	 	CREEKSIDE AGREEMENTS 2 *	 	TALL PINES AGREEMENTS 2
	Parties in the Preamble	 	CREEKSIDE BY TAG, LLC	 	TALL PINES BY TAG, LLC
	WITNESSETH	 	Amount: $1,990,350.00	 	Amount: $1,229,883.34
	1.01 (a) – Loan – Maximal Principal Amount	 	$1,990,350.00	 	$1,229,883.34
	1.01 (c)(1) – Loan Proceeds – “The Fee”	 	$39,807.00	 	$24,596.67
	1.01 (c)(2) – Loan Proceeds – Prepaid Interest Reserve	 	$238,842.00	 	$147,580.00
	1.01 (c)(3) – Loan Proceeds – document preparation fees to Char&Herzberg, LLP	 	$2,500.00	 	$2,500.00
	1.01 (c)(4) – Loan Proceeds – Commission to Atlas Investment Group	 	$39,807.00	 	$24,596.67
	1.01 (c)(7) – Loan Proceeds – per diem interest from 11/20/15 to 11/30/15	 	$7,297.95	 	$4,509.57
	1.02 Use of Proceeds	 	3000 EMBER DRIVE, DECATUR, GEORGIA 30034	 	
        1) 3200 CUSHMAN CIRCLE SW, ATLANTA, 30311;

        2) 3215 CUSHMAN CIRCLE SW, ATLANTA, 30311

        3) 3230 CUSHMAN CIRCLE SW, ATLANTA, 30311

	2.01 – Nature of Entity	 	CREEKSIDE BY TAG, LLC	 	TALL PINES BY TAG, LLC
	Signatures	 	CREEKSIDE BY TAG, LLC	 	TALL PINES BY TAG, LLC

 

B) COMMERCIAL NON-REVOLVING LINE OF CREDIT PROMISSORY NOTE

 

	Section Name/Name of the Agreement	 	CREEKSIDE AGREEMENTS 2*	 	TALL PINES AGREEMENTS 2
	Parties in the Preamble	 	CREEKSIDE BY TAG, LLC	 	TALL PINES BY TAG, LLC
	Amount in the Preamble	 	$1,990,350.00	 	$1,229,883.34
	1.C.(I) – per month payment of interest	 	$233,842.50	 	$147,580.00
	1. F – Termination Fee	 	$116,921.00	 	$73,793.00
	Signatures	 	CREEKSIDE BY TAG, LLC	 	TALL PINES BY TAG, LLC

 

* Filed herewith

 

     

     

    

  

CREEKSIDE by TAG LLC

$1,990,356.00

NOVEMBER 20, 2015

 

LOAN AGREEMENT

 

This Loan Agreement (the “Agreement”),
made as of the 20th day of NOVEMBER, 2015 by and between SHARESTATES INVESTMENTS, LLC, a New York limited liability company
having its principal place of business at 11 Middle Neck Road, Suite 400A, Great Neck, New York, 11021 (“Lender”) and
CREEKSIDE BY TAG LLC., a Georgia corporation having an address c/o Chester Meisels, 130 Route 59, Suite 6, Spring Valley,
New York, 10977 (“Borrower”)..

 

WITNESSETH

 

WHEREAS, Borrower
has requested that Lender make a loan to Borrower in the amount of ONE MILLION NINE HUNDRD NINETY THOUSAND THREE HUNDRED FIFTY
AND 00/100 DOLLARS ($1,990,350.00) (the “Loan”), subject to and upon the terms and conditions hereinafter contained,
which is evidenced by the Commercial Non-Revolving Line of Credit Promissory Note made by Borrower in favor of Lender dated November
20, 2015 (as same may be amended, restated, or modified from time to time, the “Note”), secured by that certain Commercial
Mortgage, Security Agreement and Fixture Filing (the “Mortgage”) made by Borrower in favor of Lender and which Mortgage
encumbers the premises known as 3000 EMBER DRIVE, DECATUR, GEORGIA, 30034 and 3200 CUSHMAN CIRCLE SW, ATLANTA 30311 and and
3215 CUSHMAN CIRCLE SW, ATLANTA 30311 and 3230 CUSHMAN CIRCLE SW, ATLANTA, 30311 being hereinafter collectively referred to
as the “Mortgaged Property”), and guaranteed by CHESTER MEISELS (the “Guarantor”) in that certain
Commercial Guaranty (the “Guaranty”) (this Agreement, the Note, the Mortgage, the Guaranty, and any other documents
or agreements given to Lender by Borrower or any guarantor in connection with the Loan whether or not specifically set forth herein,
as each may be amended, restated or modified from time to time, may hereinafter be collectively referred to as the “Loan
Documents”); and

 

WHEREAS, Lender has agreed
to make the Loan to Borrower on the terms and conditions hereinafter set forth.

 

NOW, THEREFORE, in consideration
of the foregoing and of the covenants and conditions hereinafter set forth, Borrower and Lender hereby agree as follows:

 

ARTICLE 1:
THE LOAN

 

1.01 Loan.

 

(a) Subject
to all terms and conditions of this Agreement, Lender may loan to Borrower and Borrower may borrow from Lender, from time to time,
up to ONE MILLION NINE HUNDRD NINETY THOUSAND THREE HUNDRED FIFTY AND 00/100 DOLLARS ($1,990,350.00)    (“Loan”).
Said $1,990,350.00 is also sometimes referred to herein as the “Maximum Principal Amount”.

 

    	 	 	 

     

    

 

(b) Advances made
pursuant to this Section 1.0.1 shall be evidenced by the Note, and shall be referred to as the ‘Obligations.”
The aggregate of such advances under the Loan shall not exceed said Maximum Principal Amount.

 

(c) Subject to a
final closing statement prepared by Lender’s counsel and executed by Borrower (the “Closing Statement”), the Loan proceeds
shall be disbursed as follows:

 

		(1)	The sum of THIRTY NINE THOUSAND EIGHT HUNDRED AND SEVEN 00/100 DOLLARS ($39,807.00) shall
be disbursed on behalf of Borrower and simultaneously paid to Lender as a fully earned, non-refundable fee (the “Fee) in consideration
of Lender’s commitment to make the Loan on the terms and conditions stated herein. In no event shall the Fee be applied or credited
in reduction of any principal, interest, or other sum payable hereunder; and

 

		(2)	The sum of TWO HUNDRED THIRTY EIGHT THOUSAND EIGHT HUNDRED FORTY TWO AND 00/100 DOLLARS ($238,842.00)
shall be disbursed by Lender on behalf of Borrower and simultaneously paid to Lender (the “Prepaid Interest Reserve”)
which shall be credited against interest payments due under the terms of the Note, as such interest payments become due; and

 

		(3)	The sum of TWO THOUSAND
                                         FIVE HUNDRED DOLLARS ($2,500.00) shall be disbursed by Lender on behalf of Borrower
                                         and simultaneously paid to CHAR & HERZBERG, LLP, in payment of its
                                         document preparation fees, which fees are inclusive of and not in addition to the fees
                                         paid pursuant to that certain Loan Agreement dated the date hereof between Borrower and
                                         Lender in the amount of $339,000.00.

 

		(4)	The sum of THIRTY NINE THOUSAND EIGHT HUNDRED AND SEVEN 00/100 DOLLARS ($39,807.00) shall
be disbursed on behalf of Borrower and simultaneously paid to ATLAS INVESTMENT GROUP as a fully earned commission.

 

		(5)	The sum of ______________________________________
                                         shall be disbursed on behalf of the Borrower and simultaneously paid to ATLANTIS
                                         NATIONAL ORGANIZATION for title insurance related services.

 

		(6)	The sum of ______________________________________ shall be disbursed on behalf of
                                                                     the Borrower and simultaneously paid to THE MCDONELL LAW FIRM for settlement agent and legal services on behalf of the
                                                                     lender.

 

		(7)	The sum of SEVEN THOUSAND TWO HUNDRED NINETY SEVEN AND 95/100 DOLLARS ($7,297.95) shall
be distributed disbursed on behalf of the Borrower and simultaneously paid to Lender for per diem interest from 11/20/15 through
11/30/15.

 

(d) Payments of
interest only, in arrears, shall be due from Borrower on the first day of each and every month commencing on the first day of the
month immediately following the first advances as more particularly set forth in the Note. In the event Borrower fails to make
a payment within ten (10) days of the date such payment becomes due, Lender shall have the option, exercisable in its sole discretion,
to require interest payments to be paid weekly, in arrears, on the Wednesday of each week during the term of the Loan.

 

    	 	 	 

     

    

 

(e) If
not sooner paid, all Obligations shall be due and payable on the Maturity Date.

 

1.02 Use of Proceeds.
Borrower agrees that the Loan proceeds disbursed to Borrower will be used only for renovations/construction of the property
located at the 3000 EMBER DRIVE, DECATUR, GEORGIA, 30034.

 

1.03 Advances. Advances
under the Loan may be made to Borrower, in Lender’s sole discretion, in one (1) increments each in the amount of $975,000.00 or
such increments as Lender may elect, subject to the following conditions:

 

(a)  There
has been no material adverse change in the financial condition and the business of the Borrower.

 

(b)  There
are no outstanding Events of Default, as defined in the Note or Mortgage

 

(c)  All
advances shall be made on or before November 1, 2016 unless Lender, in its sole and absolute discretion, extends said period.

 

(d)  Lender
need not, except at its option, make any advance if the aggregate of all outstanding advances under this Agreement (including interest
due and payable pursuant to the provisions of the Note) would be more than the Maximum Principal Amount of this Agreement. In the
event that Lender does make an advance which causes the aggregate of all outstanding advances under this Agreement to be more than
the Maximum Principal Amount of this Agreement, Borrower agrees to pay to Lender the amount by which Borrower has exceeded the
Maximum Principal Amount immediately upon demand of Lender. Failure to repay this amount immediately upon demand will result in
the Borrower owing interest on this amount, at the same rate (and adjusted in the same manner) as the interest owing on this Agreement
and Note.

 

(e)  With
the exception of the initial advance, all requests for advances shall be in writing and shall include evidence satisfactory to
Lender, in its sole discretion, substantiating Borrower’s request for funds. Borrower shall provide lender with signed paid invoices
from each contractor evidencing to the Lender that the funds used in this Line of Credit were applied towards the construction,
development and rehabilitation of the Premises herein.

 

(f)  Each
advance by Lender to Borrower under this Agreement shall be recorded on the books of Lender bearing Borrower’s name (hereinafter
called “Borrower’s Account”). There shall also be recorded in Borrower’s Account all payments made by Borrower on such
advances received by Lender at its office, proceeds of any collateral for the Loan received by Lender at its office, which are
applied by Lender to the Advances made by it to Borrower pursuant to this Agreement, interest and expenses and other appropriate
debits and credits as herein provided.

 

(g) By
requesting an advance, Borrower shall be deemed to have certified to Lender that, to the best knowledge and belief of Borrower,
as of the date of such request for advance, the representations and warranties set forth herein are true and Borrower is not in
default in the performance of any covenant or agreement contained in this Agreement.

 

    	 	 	 

     

    

 

(h) On
the date hereof, Borrower has not received an advance under this Agreement.

 

Notwithstanding
anything to the contrary contained herein, Lender and/or its authorized representatives shall have the right, before each
advance and from time to time during the term of the Loan to inspect the Premises. The Borrower shall provide to the Lender,
a report written by the appraiser after each advance evidencing with color photos the construction, development and
rehabilitation that has occurred per advance furthermore as per the invoices demonstrated to the Lender in paragraph (e) of
this section. The cost of such appraisal shall be paid for by the Borrower. Lender will be reimbursed from the advance for
all costs and expenses incurred by Lender in connection with any such inspection. Upon satisfactory inspection of the
Premises, and upon receipt by Lender of subordination of mechanics’ liens by all subcontractors engaged by Borrower, Lender
shall make the next advance to Borrower. All advances after the Initial Advance shall be for the purpose of reimbursing
Borrower for renovation costs incurred by Borrower and shall be made in Lender’s sole discretion.

 

1.04 Conditions Precedent
to Lender’s Obligations. Lender shall not be obligated to make the Loan hereunder unless Lender shall have received the following,
all in form and substance satisfactory to the Lender in all respects:

 

(a)  the
Note, duly executed by Borrower;

 

(b)  the
Mortgage, duly executed by Borrower;

 

(c)   this
Agreement, duly executed by Borrower;

 

(d)  the
Guaranty, duly executed by the Guarantor;

 

(e)  the
Collateral Assignment of Leases and Rents, duly executed by Borrower;

 

(f)  the
Collateral Assignment of Contracts, Plans, Permits, & Approvals, duly executed by Borrower;

 

(g)  the
Environmental Indemnity Agreement, duly executed by Borrower and Guarantor;

 

(h)  the
Document Re-Execution Agreement, duly executed by Borrower and Guarantor;

 

(i)  the
Closing Statement, duly executed by Borrower;

 

(j)  certificates
of insurers, or other evidence satisfactory to Lender, indicating that Borrower and Guarantor have obtained the policies of insurance
as are required under the terms of the Mortgage;

 

(k)  a paid
title insurance policy (without survey exception) in the full amount of the Loan issued by a title insurance company acceptable
to Lender (“Title Insurance Company”) and insuring the Mortgage as a valid second lien on the Mortgaged Property, with
such endorsements as Lender shall require and subject to the permitted exceptions identified in the Mortgage;

 

(l)  UCC-1
financing statements required to evidence or perfect Lender’s security interest in the personal property affixed to the Mortgaged
Property;

 

    	 	 	 

     

    

 

(m)  an
appraisal of the Mortgaged Property;

 

(n)  financial
statements and tax returns for Borrower, and the Guarantor;

 

(o)  evidence
of a search of the public records which discloses no conditional sales contracts, chattel mortgages, leases of personality, financing
statements or title retention agreements filed or recorded against the Borrower or the Mortgaged Property;

 

(p)  a survey
of the Mortgaged Property prepared in accordance with the “Minimum Standard Detail Requirements for ALTA and ACSM Land Title
Surveys” jointly established by ALTA and ACSM in 2011, as updated, and certified to Lender by a registered land surveyor
acceptable to the Lender (“Survey”);

 

(q)  copies
of all permits or approvals required by any governmental authorities to such date with respect to Borrower or the Mortgaged Property,
to the extent the same are necessary and appropriate to operate and develop the Mortgaged Property;

 

(r)  an
environmental audit of the Mortgaged Property (Phase I and, if necessary Phase II);

 

(s)  the
bylaws/operating agreement of Borrower certified by the Managing Member of Borrower;

 

(t)  an
incumbency certificate of Borrower which shall certify the names and titles of the officers/members of the Borrower authorized
to sign, in the name and on behalf of Borrower this Agreement and each other Loan Document to be delivered pursuant to this Agreement
by Borrower, together with the true signatures of such officers, upon which certificate the Lender may conclusively rely;

 

(u)  resolutions/consents
of the Borrower authorizing the transactions to be entered into by Borrower in connection with this Agreement;

 

(v)  evidence
that the Mortgaged Property is not located in a federal or state flood hazard area;

 

(w)  certification
regarding debts and liens, executed by the owner of the Mortgaged Property;

 

(x)  INTENTIONALLY
OMITTED

 

(y)  opinions
of legal counsel to the Borrower with respect to such matters as the Lender may reasonably request including, but not limited to,
opinions from Borrower’s local counsel and Borrower’s Connecticut counsel;

 

(z)  an
opinion of legal counsel to the Guarantor with respect to such matters as the Lender may reasonably request including, but not
limited to, opinions from Guarantor’s local counsel and Guarantor’s Connecticut counsel;

 

(aa)  evidence
of the appointment of a New York agent to accept service of process on behalf of the Borrower and Guarantor, pursuant to the requirements
of Section 7.13 of this Agreement;

 

    	 	 	 

     

    

 

(bb)  evidence
demonstrating current full compliance with all applicable zoning, health, environmental and safety laws, ordinances and regulations
(including, without limitation, approval of local, private or public sewage or water utility);

 

(cc)  certification
from Borrower that Borrower is not a party to any existing or pending or threatened litigation, except as previously disclosed
to Lender;

 

(dd)  evidence
demonstrating receipt of all appropriate approvals meeting all applicable requirements of any federal, state, county or municipal
governmental agency, board, commission, officer, official or entity exercising executive, legislative, judicial, regulatory or
administrative functions of or pertaining to government and having jurisdiction including, but not limited to, subdivision and
site plan approvals, potable water supply, sewage discharge and sewage connection, use of septic tanks or alternatives;

 

(ee)  satisfactory
evidence that all roads and utilities necessary for the full utilization of the Mortgaged Property for its intended purposes have
been completed or the presently installed and proposed roads and utilities will be sufficient for the full utilization of Mortgaged
Property for its intended purposes; and

 

(ff)  such
other agreements, certificates or other documents as Lender or Title Insurance Company may reasonably request.

 

ARTICLE 2: REPRESENTATIONS, WARRANTIES,
AND GENERAL COVENANTS

 

On the date hereof, and in order to induce
Lender to enter into this Agreement, Borrower represents, warrants, and covenants the following:

 

2.01  Nature of Entity. CREEKSIDE
by TAG LLC is a corporation, validly existing and in good standing under the laws of the State of GEORGIA and is and
will continue to be duly qualified and licensed to do business in any other state in which it is required to be so qualified, organized
and/or licensed

 

2.02  Power
and Authority. Borrower has the power to execute, deliver, and carry out this Agreement and to incur the Obligations, and has
taken all necessary action to authorize the execution, delivery and performance by Borrower of this Agreement and the incurring
of the Obligations.

 

2.03  No Legal
Bar. The execution and delivery of this Agreement and compliance by Borrower with any of the terms and provisions hereof or
of any of the other agreements or instruments referred to herein will not, on the date hereof, violate any provision of any existing
law or regulation or any writ or decree of any court or governmental instrumentality, or any agreement or instrument to which Borrower
is a party or which is binding upon it or its assets, and will not result in the creation or imposition of any lien, security interest,
charge, or encumbrance of any nature whatsoever upon or in any of its assets, except as contemplated by this Agreement; and no
consent of any other party, license approval or authorization of or registration or declaration with any governmental bureau or
agency, is required in connection with the execution, delivery, performance, validity, and enforceability of this Agreement.

 

2.04  No Material
Litigation. No petition for bankruptcy, whether voluntary or involuntary, or assignment for the benefit of creditors, or any
other action involving debtors’ and creditors’ rights has been filed under the laws of the United States of America or any state
thereof, or is pending or threatened against Borrower. There are no claims, suits, actions, litigation or proceedings, pending
or threatened, at law or in equity, before any court, public board or body or arbitrator, and there are no judgments, permits,
decrees, or orders which have been issued, which would Materially and adversely affect any of the obligations-of Borrower
Under the Note or this Agreement, and Borrower has not filed for an arrangement or a petition in bankruptcy nor has one been filed
against Borrower.

 

    	 	 	 

     

    

 

2.05  No Default.
Borrower is not; on the date hereof, in default with respect to the payment or performance of any of its obligations or in the
performance of any covenants or conditions to be performed by it pursuant to the terms and provisions of any indenture, agreement,
or instrument to which it is a party or by which it may be bound.

 

2.06  Compliance
with Laws. Borrower has complied with and will continue to comply with all applicable statutes and regulations of the United
States of America, and all states, counties, municipalities, and agencies of any thereof with respect to (i) the conduct
of its business operations; and (ii) the use, maintenance, and operation of the real and personal properties owned or leased by
it in the operation of its business.

 

2.07  No Secondary
Liabilities. There are no outstanding contracts or agreements of guaranty or suretyship made by Borrower, or to which it is
a party.

 

2.08  Taxes.
Borrower has filed, caused to be filed, or obtained extensions for the filing of, and will continue to file and cause to be filed,
all federal, state, and local tax returns required by law to be filed, and has paid and will continue to pay all taxes, including
without limitation real estate taxes or on any assessment made against it, except if being contested in good faith.

 

2.09  Financial
Condition. Borrower has submitted to Lender various financial statements and information, and represents that all of said financial
information is true and correct, that such financial information fairly presents the financial condition of Borrower as of the
date thereof and that, as of the date of said financial information submitted, there was no material unrealized or anticipated
losses from any unfavorable commitments of Borrower, and that there has been no material adverse change in the business or assets
or in the condition, financial or otherwise, of Borrower from that set forth in said financial statements. Borrower is solvent,
is not bankrupt, is not contemplating, nor has recently contemplated or filed, for bankruptcy, receivership, or reorganization
proceedings (nor is there any prospect of such). All of Borrower’s obligations to any creditor are current and not in default.

 

2.10  Representation
Accuracy. No representation or warranty by Borrower contained in any certificate or other document furnished or to be furnished
by Borrower pursuant hereto or in connection with the transactions contemplated hereunder, contains, or at the time of delivery
will contain, any untrue statement of material fact or omits or will omit to state a material fact necessary to make it not misleading.

 

2.11  Cross-Default.
Borrower hereby acknowledges and agrees that a default under the terms and conditions of any other loans, obligations, liabilities,
or indebtedness of Borrower (whether now existing or hereafter arising) with Lender or any other lender shall be deemed to be a
default under the terms and conditions of the Note and this Agreement.

 

ARTICLE 3: AFFIRMATIVE COVENANTS

 

Borrower covenants and agrees that, so long
as any of the Obligations to Lender shall remain outstanding, Borrower will perform and observe each and all of the covenants and
agreements herein set forth.

 

3.01  Payments
Under this Agreement. Borrower will make timely payment of all monies and will faithfully and fully keep and perform all of
the terms, conditions, covenants, and agreements contained on Borrower’s part to be paid, kept, or performed hereunder, and will
be bound in all respects as debtor under this Agreement, the Note, and any other instruments or documents executed and/or delivered
in connection herewith or therewith.

 

    	 	 	 

     

    

 

3.02  Payment
of Liabilities. Borrower will pay and discharge at or before their maturity all taxes. assessments, rents, claims, debts, and
charges, except where the dame may be contested in good faith and/or non-payment is advised by Borrower’s counsel, and maintain,
in accordance with generally accepted accounting principles and practice, appropriate reserves for the accrual of any of the same.

 

3.03  Compliance
with Laws, Care of Property. Borrower will do, or cause to be done, all things necessary to comply with all laws, and to at
all times maintain, preserve, and protect its property used or useful in the conduct of its business and keep the same in good
condition and repair (normal wear and tear and obsolescence excepted), and from time to time make, or cause to be made, all needful
and proper repairs, renewals, replacements, betterments, and improvements thereto.

 

3.04  Notices.
All notices, requests, demands or other communications to or upon the respective parties hereto shall be made in accordance
with the terms of the Mortgage.

 

3.05  Insurance.
Borrower will keep the property insured in accordance with the terms of the Mortgage.

 

ARTICLE 4: NEGATIVE COVENANTS

 

4.01  Fundamental
Changes. So long as any Obligations of Borrower to Lender remain outstanding and unpaid, Borrower covenants and agrees that
it will not merge or consolidate with or into any other entity; dissolve or liquidate; convey, sell, lease, or otherwise dispose
of all or substantially all of its property, assets, or business; change the present form, ownership, or control of its business.

 

ARTICLE 5: DEFAULT

 

5.01  Default.
Borrower hereby agrees that, if any Event of Default, as defined in the Note or Mortgage, shall occur, Lender may declare the
entire unpaid balance owed under the Note, this Agreement, or other sums owed hereunder or under any such note, immediately due
and payable without presentment, demand, protest, notice of protest, or other notice of dishonor of any kind, all of which are
hereby expressly waived by Borrower. All such rights of Lender are cumulative, not exclusive, and enforceable alternatively, successively,
or concurrently.

 

5.02  Default
Rate. After the occurrence of an Event of Default, interest will accrue at the Default Rate, as defined in the Note.

 

ARTICLE 6: INDEMNIFICATION OF AND REIMBURSEMENT
TO LENDER

 

6.01  Indemnification
by Borrower. Borrower shall indemnify and hold Lender harmless from and against any and all claims, demands, losses, judgments,
liabilities, costs or expenses (including, without limitation, reasonable attorneys’ fees and disbursements) which Lender may incur
arising out of or resulting from the Note, this Agreement, the Lender’s security interest in the Mortgaged Property, or enforcement
or exercise of any right or remedy granted to the Lender under this Agreement. In no event shall Lender be liable to the Borrower
for any matter or thing in connection with this Agreement other than to account for monies actually received by it.

 

    	 	 	 

     

    

 

6.02  Cure
by Lender. Following an Event of Default, Lender may, but shall not be required to, do any act or thing which Borrower has
covenanted to do hereunder or cause to be done or remedy any such breach and there shall be added to the Obligations of Borrower
the cost or expense incurred by Lender in so doing, and any and all amounts expended by Lender in taking such action, shall be
repayable to it upon its demand to Borrower therefor and shall bear interest from the date such cost or expense was incurred by
Lender to the date paid in full at the rate of interest set forth in the Note.

 

6.03  Reimbursement
of Expenses. Borrower shall pay to Lender all costs and expenses paid or incurred by Lender (including, without limitation,
reasonable attorneys’ fees and disbursements) in connection with the preparation for or any actual or attempted disposition of
any of the Mortgaged Property. All such costs and expenses incurred by Lender shall be repayable to it upon its demand to Borrower
and shall bear interest from the date the same were incurred to the date paid in full at the interest rate set forth in the Note.

 

ARTICLE 7: MISCELLANEOUS

 

7.01  Governing
Law. THIS MORTGAGE IS MADE BY MORTGAGOR AND ACCEPTED BY MORTGAGEE IN THE STATE OF NEW YORK EXCEPT THAT AT ALL TIMES THE PROVISIONS
FOR THE CREATION, PERFECTION, PRIORITY, ENFORCEMENT AND FORECLOSURE OF THE LIENS AND SECURITY INTERESTS CREATED IN THE MORTGAGED
PROPERTY UNDER THE LOAN DOCUMENTS SHALL BE GOVERNED BY AND CONSTRUED ACCORDING TO THE LAW OF THE STATE WHERE THE MORTGAGED PROPERTY
IS LOCATED. TO THE FULLEST EXTENT PERMITTED BY THE LAW OF THE STATE WHERE THE MORTGAGED PROPERTY IS LOCATED, THE LAW OF THE STATE
OF NEW YORK SHALL GOVERN THE VALIDITY AND ENFORCEABILITY OF ALL LOAN DOCUMENTS, AND THE DEBT OR OBLIGATIONS ARISING HEREUNDER (BUT
THE FOREGOING SHALL NOT BE CONSTRUED TO LIMIT LENDER’S RIGHTS WITH RESPECT TO SUCH SECURITY INTEREST CREATED IN THE STATE WHERE
THE MORTGAGED PROPERTY IS LOCATED).

 

7.02  JURY
TRIAL WAIVER. BORROWER AND LENDER EACH HEREBY UNCONDITIONALLY AND IRREVOCABLY WAIVE ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY ACTION,
SUIT, COUNTERCLAIM, OR CROSS-CLAIM ARISING IN CONNECTION WITH, OUT OF, OR OTHERWISE RELATING TO THE LOAN DOCUMENTS, THE OBLIGATIONS,
THE MORTGAGED PROPERTY, ANY TRANSACTION ARISING THEREFROM OR RELATED THERETO, OR ANY DISPUTE INVOLVING BORROWER AND LENDER. FURTHER,
EXCEPT AS PROHIBITED BY LAW, BORROWER WAIVES ANY RIGHT WHICH IT MAY HAVE TO CLAIM OR RECOVER IN ANY LITIGATION BETWEEN THE PARTIES
ANY SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR ANY DAMAGES OTHER THAN, OR IN ADDITION TO, ACTUAL DAMAGES. BORROWER
ACKNOWLEDGES AND AGREES THAT THIS SECTION 7.02 IS A SPECIFIC AND MATERIAL ASPECT OF THIS AGREEMENT AND THAT LENDER WOULD NOT EXTEND
CREDIT TO BORROWER IF THE WAIVERS SET FORTH IN THIS SECTION 7.2 WERE NOT A PART OF THIS AGREEMENT.

 

7.03  No Waiver
by Lender. No course of dealing between Borrower and Lender and no failure to exercise or delay in exercising on the part of
Lender any right, power, or privilege under the terms of this Agreement or under the terms of any other agreements, instruments,
or other documents between Lender and Borrower shall operate as a waiver thereof; not shall any single or partial exercise of any
right, power, or privilege hereunder or thereunder preclude any other or further privilege. The rights and remedies
provided herein or in any other agreement are cumulative and not exclusive or in derogation of any rights or remedies provided
in and thereof; by law or otherwise.

 

    	 	 	 

     

    

 

7.04  Survival
of Representations. All agreements, representations, and warranties made herein, in any agreement and in any statements, notices,
invoices, certificates, schedules, documents, or other instruments delivered to Lender in connection with the Agreement or any
other agreement shall survive the making of the loans and advances hereunder.

 

7.05  Further
Documentation. Borrower agrees that, at any time or from time to time upon written request of Lender, Borrower will execute
and deliver such further documents and do such other acts and things as Lender may reasonably request in order to fully effect
the purposes of this Agreement and the documents referred to herein. Borrower agrees that, to the extent any facts or circumstances
reported on exhibits hereto are materially changed, whether by addition, subtraction, modification, etc., Borrower will promptly
notify Lender of such changes, additions, subtractions, modifications, etc.

 

7.06  Entire
Agreement. This Agreement, together with the other Loan Documents executed in connection herewith, constitutes the entire
agreement and understanding among the parties relating to the subject matter hereof and supersedes all prior proposals, negotiations,
agreements, and understandings relating to such subject matter. In entering into this Agreement, Borrower acknowledges that it
is not relying on any representation, warranty, covenant, promise, assurance, or other statement of any kind made by Lender or
by any employee or agent of Lender.

 

7.07  Rights
of Assignees and Successors. All rights of Lender in, to, and under this Agreement and any other instrument or document executed
and/or delivered in connection herewith shall pass to and may be exercised by any assignee thereof. Borrower agrees that, in the
event of an assignment of this Agreement and notice of such assignment to Borrower, the liability of Borrower to a holder for value
of this Agreement shall be immediate and absolute and not affected by any actions of Lender and that Borrower will not set up any
claim against Lender as a defense, counterclaim, or setoff to any action for the unpaid balance owed under this Agreement or for
possession brought by said holder. All rights of Lender hereunder shall inure to the benefit of its successors and assigns and
any subsequent holder of the Note, and all Obligations of Borrower shall bind the heirs, executors, administrators, successors,
and assigns of Borrower.

 

7.08  Attorneys’
Fees and Expenses. Borrower agrees to pay all reasonable attorneys’ fees and expenses, including recording and filing fees,
incurred by Lender in connection with the financing being concluded this day as well as any fees and expenses of counsel, whether
incurred before or after the Obligations are paid and performed in full, which Lender may hereafter incur in reasonably protecting,
enforcing, increasing, or releasing any security held by Lender, and in foreclosing any mortgage and/or in sustaining the validity
of any mortgage. Borrower specifically authorizes Lender to pay all such fees and expenses and charge the same to its loan account.

 

7.09  Headings.
The descriptive headings of the several sections of this Agreement are inserted for convenience only and shall not be deemed
to affect the meaning or construction of any of the provisions hereof.

 

7.10  Severability.
If any provision of this Agreement or application thereof to any person or circumstance shall to any extent be invalid, the
remainder of this Agreement or the application of such provision to persons, entities, or circumstances other than those as to
which it is held invalid, shall not be affected thereby and each provision of this Agreement shall be valid and enforceable to
the fullest extent permitted by law.

 

    	 	 	 

     

    

 

7.11  Further
Assurances. Borrower shall execute and deliver to Lender all instruments and do such further acts and things
as Lender may reasonably request which may be necessary or desirable to effect the purposes of this Agreement.

 

7.12  Governing
Law. This Agreement shall be construed in accordance with, and governed by, the laws of the State of New York.

 

7.13  Jurisdiction.
AT LENDER’S ELECTION, TO BE ENTERED IN ITS SOLE DISCRETION, ANY LEGAL SUIT, ACTION OR PROCEEDING AGAINST BORROWER OR
LENDER ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE OTHER LOAN DOCUMENTS SHALL BE INSTITUTED IN ANY FEDERAL OR STATE
COURT IN NEW YORK, AND BORROWER WAIVES ANY OBJECTION WHICH IT MAY NOW OR HEREAFTER HAVE TO THE LAYING OF VENUE OF ANY SUCH
SUIT, ACTION OR PROCEEDING, AND HEREBY IRREVOCABLY SUBMITS TO THE JURISDICTION OF ANY SUCH COURT IN ANY SUIT, ACTION OR
PROCEEDING. BORROWER DOES HEREBY DESIGNATE AND APPOINT CHESTER MEISELS AT 130 ROUTE 59, SUITE 6, SPRING VALLEY, NEW YORK
10977 TO RECEIVE AND FORWARD ON ITS BEHALF SERVICE OF ANY AND ALL PROCESS WHICH MAY BE SERVED IN ANY SUCH SUIT, ACTION OR
PROCEEDING IN ANY FEDERAL OR STATE COURT IN NEW YORK, AND AGREES THAT SERVICE OF PROCESS UPON SAID AGENT AT SAID ADDRESS AND
WRITTEN NOTICE OF SAID SERVICE MAILED OR DELIVERED TO BORROWER IN THE MANNER PROVIDED IN THE MORTGAGE, SHALL BE DEEMED
IN EVERY RESPECT EFFECTIVE SERVICE OF PROCESS UPON BORROWER IN ANY SUCH SUIT, ACTION OR PROCEEDING IN THE STATE OF NEW YORK.
BORROWER (1) SHALL GIVE PROMPT NOTICE TO THE LENDER OF ANY CHANGED ADDRESS OF ITS AUTHORIZED AGENT HEREUNDER, (2) MAY AT ANY
TIME AND FROM TIME TO TIME DESIGNATE A SUBSTITUTE AUTHORIZED AGENT WITH AN OFFICE IN NEW YORK (WHICH OFFICE SHALL BE
DESIGNATED AS THE ADDRESS FOR SERVICE OF PROCESS), AND (3) SHALL PROMPTLY DESIGNATE SUCH A SUBSTITUTE IF ITS AUTHORIZED AGENT
CEASES TO HAVE AN OFFICE IN CONNECTICUT OR IS DISSOLVED WITHOUT LEAVING A SUCCESSOR.

 

7.14  Amendments.
This Agreement may not be altered, amended, waived, or modified in any way whatsoever except by a writing duly executed by
the party to be charged therewith.

 

7.15  Entire
Agreement. This Agreement constitutes the entire agreement between the parties hereto with respect to the subject matter hereof.

 

[Remainder of this page
intentionally left blank]

 

    	 	 	 

     

    

 

IN WITNESS WHEREOF,
the parties have hereunto set their hands on the 20th day of November, 2015.

 

Signed, Sealed, and Delivered in the Presence
of:

 

	 	 	BORROWER
	 	 	CREEKSIDE by TAG LLC
		 	 	 
	Name:	 	By:	     /s/ Chester Meisels
	 	 	Name:   CHESTER MEISELS
	 	 	Title:     MANAGING MEMBER

 

The undersigned Guarantor acknowledges and
agrees to all of the terms and conditions herewith, including, without limitation, the cross-default provision contained in Section
2.11 hereof and shall be personally bound thereby.

 

	 	/s/ Chester Meisel
	 	CHESTER MEISEL,
	 	As Guarantor

 

	Signed, Sealed and Delivered in the Presence of:	 	SHARESTATES INVESTMENTS, LLC
	 	 	 	 
	 	 	By:	 
	Name:	 	 	Alan Shayanfekr
	 	 	 	Managing Director

 

    	 	 	 

     

    

 

	STATE OF NEW YORK	)
	 	)ss::
	COUNTY OF NEW YORK	)

 

On the 20th day of November, 2015,
before me, the undersigned, a notary public in and for said State, personally appeared CHESTER MEISELS, personally known to me
or proved to me on the basis of satisfactory evidence to be the individuals whose names are subscribed to the within instrument
and acknowledged to me that they executed the same in their capacities, and that by their signatures on the instrument, the individuals,
or the persons upon behalf of which the individual acted, executed the instrument.

 

	 	 	SAM MA
	 	 	Notary Public State of New York
	 	 	No. 01MA6235980
		 	Qualified in New York County

Commission Expires February 22, 2019
	Notary Public	 	

 

	STATE OF NEW YORK	)
	 	) ss.:
	COUNTY OF NASSAU	)

 

I certify that on __________
________, 20__, Jeffrey Tesch came before me in person and stated to my satisfaction that he:

 

(a)  made the
attached instrument; and

 

(b)  was authorized
to and did execute this instrument on behalf of and as Managing Director of Sharestates Investments, LLC, (the “Company”),
the entity named in this instrument, as the free act and deed of the Company, by virtue of the authority granted by its operating
agreement and its members.

 

	 	 
	 	Name:
	 	Notary Public
	 	My Commission Expires:

 

    	 	 	 

     

    

 

SCHEDULE A

DRAW SCHEDULE

 

Advances under the Loan
may be made to Borrower; in Lender’s sole discretion, subject to the terms and conditions set forth in this Loan Agreement

 

    	 	 	 

     

    

 

CREEKSIDE by TAG LLC

$1,990,350.00

NOVEMBER 20, 2015

 

COMMERCIAL NON-REVOLVING LINE OF

CREDIT PROMISSORY NOTE

 

CREEKSIDE BY TAG LLC.,
a Georgia limited liability company, having an address c/o Chester Meisels, 130 Route 59, Suite 6, Spring Valley, New York,
10977, (hereinafter collectively referred to as “Maker”), promises to pay to the order of SHARESTATES INVESTING,
LLC, a New York limited liability company at its principal place of business at 11 Middle Neck Road, Suite 400A, Great Neck,
NY 11021 (“Lender”), or at such other place as the holder hereof may designate, the principal sum of ONE MILLION
NINE HUNDRD NINETY THOUSAND THREE HUNDRED FIFTY AND 00/100 DOLLARS ($1,990,350.00) or so much as may be advanced hereunder,
with interest on said unpaid balance computed from the date advanced, November 20, 2016 (the “Commencement Date”) from
time to time outstanding as hereinafter set forth, together with all taxes assessed upon this Note and together with any costs,
expenses, and reasonable attorneys’ fees incurred in the collection of this Note or in protecting, maintaining, or enforcing its
security interest or any mortgage securing this Note or upon any litigation or controversy affecting this Note or the security
given therefor, including, without limitation, proceedings under the Federal Bankruptcy Code.

 

1.            Payments. Principal and interest
hereunder shall be payable as follows:

 

A.   From
the Commencement Date, interest on the unpaid balance shall accrue at the rate of twelve percent (12%) per annum, for the period
beginning on and including the Commencement Date to the last day of the month in which the Commencement Date occurs and shall be
payable at the closing of the loan.

 

		B.	The rate of interest of this Note, which shall remain effective until an Event of Default (as defined
below), shall be fixed at twelve percent (12%) per annum. Interest on this Note shall be calculated on the basis of a 30-day month
and a 360-day year and paid for the actual number of days elapsed during the period for which interest is due. Maker shall make
payments of interest only, in arrears the amount drawn from the non-revolving the credit per month. In the event Maker fails to
make a payment within ten (10) days of the date such payment becomes due, Lender shall have the option, exercisable in its sole
discretion, to require interest payment to be paid weekly, in arrears, on the Wednesday of each week during the term of the loan.

 

		C.	Beginning on the first day of the
                                         second month immediately following the Commencement Date, and continuing on the 1st
                                         day of each and every month thereafter through and including the payment due on
                                         DECEMBER 1, 2016, Maker shall make payments of interest only, in arrears, on the outstanding
                                         principal balance hereof. In the event Maker fails to make a payment within ten (10) days
                                         of the date such payment becomes due, Lender shall have the option, exercisable in its
                                         sole discretion, to require interest payment to be paid weekly, in arrears, on the Wednesday
                                         of each week during the term of the loan.

 

    	 	 	 

     

    

 

		I)	It is further agreed that the Lender at time of funding shall immediately withdraw from the loan
amount one year of interest payments from the loan amount in the amount totaling TWO HUNDRED FORTY ONE THOUSAND ONE HUNDERD FIFTY
EIGHT AND 00/100 DOLLARS ($233,842.00) (hereinafter referred to as the “Reserve Interest Payments”). The Reserve Interest
Payments encompass a Lender mandated and Maker accepted prepayment of the monthly payments noted in Section 1 Paragraph C(I) noted
in this Commercial Property Note Herein. It is further agreed by Maker that Lender shall receive such interest payments whether
the loan amount is advance or not advanced. It is understood by Maker that Lender is setting aside such funds for Makers benefit
and will lose its opportunity cost by setting such amounts aside and thus requiring the aforesaid Reserve Interest Payment.

 

D.  If
not sooner paid, the entire principal balance, together with all accrued interest, and all other sums due hereunder, shall be due
and payable in full on NOVMEBER 30, 2016 (the “Maturity Date”). It is understood and agreed by Maker that if sufficient
prepayments of principal have not been made, a balloon payment will be due on the Maturity Date.

 

E.  All
payments received will be credited first to late charges and costs hereunder, then to interest accrued at the applicable interest
rate hereinafter set forth, with the balance on account of principal.

 

F.  In
addition to the monthly interest only payments required above, upon payment in full of the principal balance outstanding hereunder
or on the Maturity Date or such earlier applicable date, Maker shall pay to Lender a Loan Termination Fee in the amount of $116,921.00
or six months interest, if the entire outstanding balance due and payable under this Note is prepaid prior to JUNE 1, 2016. If
the entire balance of the Loan is paid in full thereafter then the Termination Fee shall be waived.

 

G.  At
no time shall the interest rate exceed the maximum rate permitted by the usury statutes governing this Note, if any. If, by application
of the above interest rate formula, the interest rate would exceed and violate such usury statutes, interest shall accrue at the
maximum rate permitted by law.

 

2.  Advances. All advances
made hereunder will be made in accordance with the terms of the loan agreement of even date. No advance under this Note has yet
been made.

 

3.   Security. This Note is
secured by, among other things, a first priority Commercial Mortgage, Security Agreement, and Mortgage Spreader Agreement (the
“Mortgage”) on that certain piece or parcel of real property known as 3000 EMBER DRIVE, DECATUR, GEORGIA, 30034 and
3200 CUSHMAN CIRCLE SW, ATLANTA 30311 and 3215 CUSHMAN CIRCLE SW, ATLANTA 30311 and 3230 CUSHMAN CIRCLE SW, ATLANTA 30311 (being
hereinafter collectively referred to as the “Premises”), being more specifically described in said Mortgage.

 

4.  Default. If any of the
following events occur (which is an “Event of Default”), Lender may declare the entire outstanding principal balance
hereof, together with any other amounts that Maker owes to Lender, to be immediately due and payable:

 

    	 	 	 

     

    

 

		a.	Maker fails to pay any installment of principal and/or interest or any other charges due under
this Note or any Notes or Non Revolving Credit lines of any of the Premises noted as the Security in paragraph 3 herein, within
ten (10) days after the same becomes due and payable;

		b.	Maker defaults in any other obligations, liabilities, or indebtedness with Lender (whether now
existing or hereafter arising);

		c.	Maker sells, leases, or otherwise disposes of all or substantially all of its property, assets,
or business, or if Maker ceases any of its business operations, dissolves, or commences reorganization;

		d.	Makers makes or takes any action to make a general assignment for the benefit of its creditors
or becomes insolvent or has a receiver, custodian, trustee in Bankruptcy, or conservator appointed for it or for substantially
all or any of its assets;

		e.	Makers files or becomes the subject of a petition in Bankruptcy or upon the commencement of any
proceeding or action under any Bankruptcy laws, insolvency laws, relief of debtors laws, or any other similar law affecting Maker,
provided, however, that Maker shall have sixty (60) days from the filing of any involuntary petition in Bankruptcy to have the
same discharged and dismissed;

		f.	Upon the failure by Maker to observe or perform, or upon default in, any covenants, agreements,
or provisions in the Mortgage or in any other instrument, document, or agreement, executed and/or delivered in connection herewith
or therewith;

		g.	Any representation or statement made herein or any other representation or statement made or furnished
to Lender by Maker was materially incorrect or misleading at the time it was made or furnished;

		h.	In the event of any material adverse change in the financial condition of Maker or any guarantor
of the loan; or

		i.	Upon the death of any guarantor of the loan.

 

5.  Default Rate. After the
occurrence of an Event of Default, interest will accrue at the lesser of (i) twenty percent (20%) per annum or (ii)
the maximum rate allowed by law. Interest will continue to accrue at the default rate after judgment until the Note is paid
in full.

 

6.  Prepayment. Provided that
Maker is not in default hereunder, Maker may prepay all or any portion of the unpaid principal balance of this Note at any time.
All prepayment shall be applied first to any costs or charges due hereunder, then to interest due and owing hereunder, and then
to principal then outstanding, in inverse order of maturity.

 

7.  Late Charge. It is further
agreed that the holder hereof may collect a late charge equal to ten percent (10%) of any payment required hereunder, including
the final payment, or required under any security agreement, mortgage, or any other instrument, document, or agreement executed
and/or delivered in connection herewith which is not paid within ten (10) days of the due date thereof. This late charge is to cover
the extra expenses involved in handling delinquent payments and is not to be construed to cover other costs and attorneys’ fees
incurred in any action to collect this Note or to foreclose the mortgage securing the same. This provision shall not affect or
limit the holder’s rights or remedies with respect to any Event of Default.

 

8.  Lien/Set Off. Maker hereby
gives the holder hereof a lien and right of set off for all of Maker’s liabilities to the holder hereof or Lender upon and against
all deposits, credits, and other property of Maker now or hereafter in the possession or control of the holder hereof, or in transit
to it, excepting however, funds held in trust by Maker. All payments shall be made in lawful currency of the United States of America
in immediately available funds, without abatement, counterclaim, or set-off, and free and clear of, and without any deduction or
withholding for, any taxes or other matters.

 

    	 	 	 

     

    

 

9.  Purpose of Loan. Maker
represents and warrants that the proceeds of this Note are to be used solely for business and commercial purposes and not at all
for any personal, family, household, or other noncommercial or farming or agricultural purposes. Maker acknowledges that Lender
is making this loan to Maker in reliance upon the above representation by Maker. The above representation by Maker will survive
the closing of this loan and repayment of amounts due to Lender hereunder.

 

10.  Other Obligations. To
the extent that the outstanding balance of this Note is reduced or paid in full by reason of any payment to Lender by an accommodation
maker, endorser, or guarantor, and all or any part of such payment is rescinded, avoided, or recovered from Lender for any reason
whatsoever, including, without limitation, any proceedings in connection with the insolvency, bankruptcy, or reorganization of
the accommodation maker, endorser, or guarantor, the amount of such rescinded, avoided, or returned payment shall be added to or,
in the event this Note has been previously paid in full, shall revive the principal balance of this Note upon which interest may
be charged at the applicable rate set forth in this Note and shall be considered part of the outstanding balance of this Note and
all terms and provisions herein shall thereafter apply to the same.

 

(a)      11.
Waiver. MAKER (AND EACH AND EVERY ENDORSER, GUARANTOR, AND SURETY OF THIS NOTE) ACKNOWLEDGES THAT THE LOAN EVIDENCED BY THIS NOTE
IS A COMMERCIAL TRANSACTION, AND HEREBY VOLUNTARILY AND KNOWINGLY WAIVES THE RIGHT TO NOTICE AND HEARING UNDER THE LAWS OF THE
STATE OF NEW YORK OR THE LAWS OF THE STATE IN WHICH THE SUBJECT PROPERTY ID LOCATED WITH RESPECT TO ANY PREJUDGMENT REMEDY, and
further waives diligence, demand, presentment for payment, notice of nonpayment, protest and notice of protest and notice of any
renewals or extensions of this Note, and all rights under any statute of limitations, and agrees that the time for payment of this
Note may be changed and extended as provided in said Mortgage or any security agreement, without impairing Maker’s liability thereon,
and further consents to the release of all or any part of the security for the payment hereof, or the release of any party liable
for this obligation without affecting the liability of the other parties hereto. Any delay on the part of the holder hereof in
exercising any right hereunder shall not operate as a waiver of any such right, and any waiver granted for one occasion shall not
operate as a waiver in the event of any subsequent default. MAKER FURTHER WAIVES TRIAL BY JURY AND ACKNOWLEDGES THAT IT MAKES THIS
WAIVER KNOWINGLY, VOLUNTARILY, AND ONLY AFTER CONSIDERATION OF THE RAMIFICATIONS OF THE WAIVER BY ITS ATTORNEY.

 

12.  Binding Effect. This
Note shall be binding on Maker, its successors and assigns and shall inure to the benefit of Lender, any holder hereof, its successors
and assigns.

 

13.  Governing Law. This Note
shall be governed by, and construed in accordance with, the laws of the State of New York, without reference to conflicts of laws
principles thereof.

 

14.  Joint and Several. Should
this Note be signed by more than one Maker, references in this Note to Maker in the singular shall include the plural and all obligations
herein contained shall be joint and several of each signer hereof.

 

15.  Rights
Cumulative. The rights and remedies of Lender shall be cumulative and not in the alternative, and shall include all rights
and remedies granted herein, in any document referred to herein or executed and/or delivered in connection herewith, and
under all applicable laws, and the exercise of any one or more of them will not be a waiver of any other.

 

    	 	 	 

     

    

 

16.  Severability. If
any term, clause, or provision hereof shall be adjudged to be invalid or unenforceable by a court of appropriate jurisdiction,
the validity and enforceability of the remainder shall not affected thereby and each such term, clause, or provision shall be
valid and enforceable to the fullest extent permitted by law.

 

[No further text on this page; signatures
appear on following page]

 

    	 	 	 

     

    

 

IN WITNESS WHEREOF,
the undersigned have executed this Commercial Promissory Note as of the 20th day of November, 2015.

 

	 	BORROWER
	 	 
	 	CREEKSIDE BY TAG LLC.
	 	 	 
	 	By:	/s/ Chester Meisels
	 	 	Name: Chester Meisels
	 	 	Title:   President
	 	 
	 	GUARANTOR
	 	 	 
	 	By:	/s/ Chester Meisels
	 	 	Name: Chester Meisels, as an individual

 

	Signed and Sealed in the Presence of:	 
	 	 
		 
	Notary Public	 

 

	SAM MA	 
	Notary Public, State of New York	 
	No. 01MA6235980	 
	Qualified in New York County	 
	Commission Expires February 22, 2019

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