Document:

Exhibit

Exhibit 4.3

AMENDED AND RESTATED REVOLVING NOTE
Salt Lake City, Utah
March 30, 2017

FOR VALUE RECEIVED, OVERSTOCK.COM, INC., a Delaware corporation (the “Borrower”), promises to pay to the order of Compass Bank, an Alabama banking corporation (the “Bank”), the aggregate unpaid principal amount of all Revolving Loans made by the Bank to the Borrower pursuant to the Loan Agreement (as hereinafter defined), in immediately available funds at the applicable office of U.S. Bank National Association, as Administrative Bank, together with interest on the unpaid principal amount hereof at the rates and on the dates set forth in the Loan Agreement.  The Borrower shall pay the principal of and accrued and unpaid interest on the Revolving Loans in full on the Facility Termination Date.
This Revolving Note (this “Note”) is one of the Revolving Notes issued pursuant to, and is entitled to the benefits of, the Loan Agreement dated as of October 24, 2014 (which, as it may be amended or modified and in effect from time to time, is herein called the “Loan Agreement”), among the Borrower, O.Com Land, LLC, a Utah limited liability company, the other parties thereto, including Bank, the other Banks, the LC Issuer and U.S. Bank National Association, as Arranger and Administrative Bank, to which Loan Agreement reference is hereby made for a statement of the terms and conditions governing this Note, including the terms and conditions under which this Note may be prepaid or its maturity date accelerated.  Capitalized terms used herein and not otherwise defined herein are used with the meanings attributed to them in the Loan Agreement.
This Note shall be payable in monthly installments of accrued interest payable on the first day of each month and on the same day of each month thereafter until the Facility Termination Date when the outstanding principal balance plus accrued interest shall be due and payable in full. Upon the occurrence and during the continuation of an Event of Default, the outstanding principal balance of this Note shall bear interest at the Default Rate, not to exceed, however, the maximum rate permitted by law.
This Note is issued, is to be repaid, and may be accelerated under the terms and provisions of the Loan Agreement. The holders hereof are entitled to all the benefits provided for in the Loan Agreement, or referred to therein. The provisions of the Loan Agreement are incorporated by reference herein with the same force and effect as if fully set forth herein. The maximum principal balance of this Note which may be outstanding from time to time is equal to $11,750,000.00.
This Note may only be prepaid in accordance with the Loan Agreement.  All payments on this Note shall be applied in the order set forth in the Loan Agreement.  No partial payment shall change any due date or the amount of any regularly scheduled installment of principal due. 
This Note is secured by the Security Agreement, the Mortgage and other Loan Documents.  Disbursements under this Note shall be made pursuant to the terms of the Loan Agreement. 
Except as herein provided, Borrower and all others who may become liable for all or part of the principal balance hereof or for any obligations of Borrower to Bank or the holder hereof (a) jointly and severally, forever waive presentment, protest and demand, notice of protest, demand and dishonor and non-payment of this Note, and all other notices in connection with the delivery, acceptance, performance, default or enforcement of the payment of this Note, (b) agree that the time of payment of the debt or any part thereof may be extended from time to time without modifying or releasing the lien of the Loan Documents or the liability of Borrower or any other such parties, the right of recourse against Borrower and such parties being hereby reserved by Bank; and (c) agree that time is of the essence. Upon the occurrence and during the continuation of an Event of Default, Borrower agrees to pay all costs of collection when incurred as set forth in Section 9.2 of the Loan Agreement. It is expressly agreed by Borrower that no extensions of time for the payment of this Note, nor the failure on the part of Bank to exercise any of its rights hereunder, shall 

operate to release, discharge, modify, change or affect the original liability under this Note or any of the other Loan Documents, either in whole or in part. 
Notice pursuant to this Note shall be given in accordance with the Loan Agreement. 
If from any circumstances whatsoever, by reason of acceleration or otherwise, the fulfillment of any provision of this Note involves transcending the limit of validity prescribed by any applicable usury statute or any other applicable law, with regard to obligations of like character and amount, then the obligations to be fulfilled will be reduced to the limit of such validity as provided in such statute or law, so that in no event shall any exaction be possible under this Note in excess of the limit of such validity. 
All rights, powers, privileges and immunities herein granted to Bank shall extend to its successors and assigns and any other legal holder of this Note, with full right by Bank to assign and/or sell same pursuant to the Loan Agreement. 
Section 9.6 of the Loan Agreement is hereby incorporated by reference and made a part hereof.
This Note amends by substitution that certain Revolving Note dated October 24, 2014 in the stated principal amount of $4,700,000.00

[signature on following page]

IN WITNESS WHEREOF, Borrower has executed this Amended and Restated Revolving Note as of the first day written above.

	
			
	 
	 
	OVERSTOCK.COM, INC.

	 
	 
	 

	Date:
	March 30, 2017
	/s/ Robert Hughes

	 
	 
	Robert Hughes

	 
	 
	Senior Vice PresidentExhibit

Exhibit 4.4
	
		
	WHEN RECORDED MAIL TO:
	 

	 
	 

	U.S. Bank National Association
170 South Main Street, 6th Floor 
Salt Lake City, Utah 84101 
Attn: Ryan Kendrick    
	SPACE FOR RECORDER'S USE

    

AMENDMENT TO DEED OF TRUST, ASSIGNMENT OF RENTS, SECURITY AGREEMENT AND FINANCING STATEMENT

This Amendment amends that certain Deed of Trust, Assignment Of Rents, Security Agreement and Financing Statement (the “Trust Deed”) dated as of October 24, 2014, by O.com Land, LLC, a Utah limited liability company, as Trustor, to First American Title Insurance Company, as Trustee, for the benefit of U.S. Bank National Association as Administrative Bank for the Banks identified in the Loan Agreement described in the Trust Deed, as Beneficiary, which was recorded on October 24, 2014 as Entry No. 11935136 in Book 10269 at Page 8537 with the Salt Lake County Recorder, State of Utah, which encumbers the real property described on Exhibit A attached hereto.

The first full paragraph at the top of Page 4 of the Trust Deed is hereby amended to read as follows:

This Deed of Trust is given in consideration of and as security for: (i) all Obligations of Trustor and Overstock under the Loan Agreement, the Loans made by Banks thereunder and all other Obligations of Trustor and Overstock under the other Loan Documents, but excluding the Guaranty and the Indemnity, which shall remain unsecured obligations not secured by this Deed of Trust; (ii) the payment of the Real Estate Loan to Trustor evidenced also by the Real Estate Notes in the aggregate principal amount not to exceed $45,760,000.00, together with interest thereon and charges with respect thereto, and any and all advances now or hereafter made with respect thereto; (iii) the payment by Overstock of all Revolving Loans, Swing Line Loans and all LC Obligations under the Aggregate Revolving Commitment in the current stated amount of $25,000,000.00, evidenced also by the Revolving Notes, the Swing Line Notes and the Facility LCs, together with interest thereon and charges with respect thereto, and any and all advances now or hereafter made with respect thereto; (iv) any and all advances now or hereafter made under the terms and conditions of the Loan Agreement or this Deed of Trust, and any and all renewals, replacements, amendments, modifications or extensions of the Notes, the Loan Agreement or this Deed of Trust; (v) all of the terms, conditions, agreements, stipulations, covenants, and provisions of this Deed of Trust, the Loan Agreement, the other Loan Documents and any other agreement, document or instrument (and any and all renewals, replacements, amendments, modifications or extensions thereof) executed by Trustor in connection with the Notes, the Loan Agreement or the other Loan Documents, but excluding the Guaranty and the Indemnity, which shall remain unsecured obligations not secured by this Deed of Trust (collectively the “Loan Documents”); (vi) all late charges, default interest, prepayment charges or premiums, loan fees, commitment fees and extension fees described in the Notes, the Loan Agreement or the other Loan Documents and all costs of collecting the indebtedness or other amounts evidenced by the Notes or described in this Deed of Trust, the Loan Agreement or the other Loan Documents, including any and all costs and expenditures of a receiver in possession and reasonable attorneys’ fees; (vii) all obligations owed to Beneficiary or any of its affiliates under any and all interest rate protection agreements (swaps, collars, caps and other hedges) executed by Trustor in connection with the Loan Documents, whether now existing or hereafter arising; (viii) payment of all sums advanced by Beneficiary to protect the Property, with interest thereon equal to the default rate as provided by the Notes and the Loan Agreement; (ix) Trustor’s compliance with and performance of each and every provision of any declaration of covenants, conditions and restrictions, any maintenance, easement and 

party wall agreement, or any other agreement, document, or instrument by which the Property is bound or may be affected; and (x) all modifications, extensions and renewals of any of the obligations secured hereby, however evidenced, including, without limitation: (a) modifications of the required principal payment dates or interest payment dates or both, as the case may be, deferring or accelerating payment dates wholly or partly; or (b) modifications, extensions or renewals at a different rate of interest whether or not, in the case of a note, the modification, extension or renewal is evidenced by a new or additional promissory note. This Deed of Trust shall also secure the payment and performance of any additional loans that may hereafter be made to Trustor which are evidenced by a promissory note or notes or other writings stating that they are secured by this Deed of Trust. All of the foregoing payments and performances secured by this Deed of Trust are sometimes hereinafter referred to as the “Deed of Trust Obligations.”

The Trust Deed shall remain valid and enforceable as amended hereby.

**Signature of Trustor on next page**

This Amendment to Deed of Trust, Assignment of Rents, Security Agreement and Financing Statement is dated as of March 30, 2017.

	
			
	 
	 
	“Trustor"

	 
	 
	O.COM LAND, LLC
a Utah limited liability company

	 
	 
	 

	Date:
	March 30, 2017
	/s/ Carter Lee

	 
	 
	Carter Lee

	 
	 
	Manager

STATE OF UTAH                    )
: ss
COUNTY OF SALT LAKE    )

The foregoing instrument was acknowledged before me this 30th day of March, 2017, by Carter Lee, the manager of O.COM LAND, LLC, a Utah limited liability company, on behalf of such limited liability company.

    	
			
	Date:
	March 30, 2017
	/s/ Leslie Lancaster

	 
	 
	NOTARY PUBLIC

	 
	 
	Residing at SLC, Utah

EXHIBIT A
LEGAL DESCRIPTION

That certain real property located in Salt Lake County, Utah, more particularly described as follows:

LOT 1, VIEW 72 RETAIL SUBDIVISION 2ND AMENDED, AMENDING LOT 10 PARCEL A OF VIEW 72 RETAIL SUBDIVISION AMENDED, ACCORDING TO THE OFFICIAL PLAT THEREOF RECORDED WITH THE COUNTY RECORDER FOR SALT LAKE COUNTY, UTAH ON DECEMBER 16, 2014, AS ENTRY NO. 11962358 IN BOOK 2014P AT PAGE 312.

Formerly described as:

PARCEL 1:

A  PORTION  OF  PARCEL  "A",  VIEW  72  RETAIL  SUBDIVISION  AMENDED,  BEING  MORE PARTICULARLY DESCRIBED AS FOLLOWS:

BEGINNING AT A POINT BEING SOUTH 00°17'30" WEST 2,022.66 FEET ALONG THE SECTION LINE  AND  NORTH  89°42'30"  WEST  617.34  FEET  FROM  THE  NORTHEAST  CORNER  OF SECTION 26, TOWNSHIP 2 SOUTH, RANGE 1 WEST, SALT LAKE BASE AND MERIDIAN; AND RUNNING THENCE SOUTH 00°17'30" WEST 464.63 FEET TO THE NORTH LINE OF THE UTAH TRANSIT AUTHORITY CORRIDOR; THENCE SOUTH 83°51'00" WEST 1,014.92 FEET ALONG THE NORTH LINE OF SAID UTAH TRANSIT AUTHORITY CORRIDOR TO THE EASTERLY RIGHT-OF-WAY  LINE  OF  BINGHAM  JUNCTION  BOULEVARD;  THENCE  NORTH  06°11'37" WEST  169.67  FEET  ALONG  THE  EASTERLY  RIGHT-OF-WAY  LINE  OF  SAID  BINGHAM JUNCTION BOULEVARD; THENCE NORTHEASTERLY 637.50 FEET ALONG THE ARC OF A 1,327.00 FOOT RADIUS CURVE TO THE RIGHT (CENTER BEARS NORTH 83°48'23" EAST AND THE  CHORD  BEARS  NORTH  07°34'08"  EAST  631.38  FEET  WITH  A  CENTRAL  ANGLE  OF 27°31'30")  ALONG  THE  EASTERLY  RIGHT-OF-WAY  LINE  OF  SAID  BINGHAM  JUNCTION BOULEVARD;  THENCE  SOUTH  68°31'47"  EAST  311.79  FEET;  THENCE  SOUTHEASTERLY 567.76 FEET ALONG THE ARC OF A 1,536.00 FOOT RADIUS CURVE TO THE LEFT (CENTER BEARS NORTH 21°28'13" EAST AND THE CHORD BEARS SOUTH 79°07'09" EAST 564.53 FEET WITH A CENTRAL ANGLE F 21°10'43"); THENCE SOUTH 89°42'30" EAST 102.05 FEET TO THE POINT OF BEGINNING.

PARCEL 2:

LOT 10, VIEW 72 RETAIL SUBDIVISION AMENDED, ACCORDING TO THE PLAT THEREOF AS RECORDED IN THE OFFICE OF THE SALT LAKE COUNTY RECORDER.

Tax Parcel No.: 21-26-276-007-0000

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