Master Loan Agreement with American AgCredit, FLCA, dated December 17, 2018

7.1Member Stock Authorization. The Borrower(s) hereby authorize(s): Paul Egan Dolan, III to exercise Borrower's voting rights and to request a conversion of Member Stock from one class to another or the retirement or transfer of all or part of Member Stock. Borrower(s) hereby authorize Lender to make checks for any dividends which may be declared or checks for canceled Member Stock proceeds payable to H.D.D . LLC as sole payee. Lender will issue Internal Revenue Service Form 1099-PATR in the name of the party authorized to receive dividends hereinabove.

7.2Security Interest. Pursuant to Federal statute and regulation, the ACA and its Subsidiaries have a lien on all of the Borrower's Member Stock and any dividends payable thereon to secure all Indebtedness. In addition, the Borrower hereby grants to the ACA and its Subsidiaries a security interest in its Member Stock and any dividends thereon to secure

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any now existing or hereafter-arising Indebtedness. In the Event of Default, in addition to all other rights and remedies the Lender may have, at the sole and absolute discretion of the Lender, the Lender may retire the Borrower's Member Stock and apply the proceeds to reduce the Indebtedness. Other important terms governing the Member Stock are contained in the ACA bylaws and the brochure with respect thereto that Borrower hereby acknowledges having previously received. Borrower also hereby acknowledges that pursuant to Federal statute and regulations the Member Stock cannot be transferred, sold or retired by Borrower or by any successor-in-interest to Borrower.

8.Information Requests.   Borrower hereby authorizes each Lender to make such inquiries and gather such information as the Lender deems necessary and reasonable, from time to time, concerning any information provided to the Lender. Each Lender is also authorized to make credit inquiries, verify credit, verify employment and obtain credit agency reports regarding Borrower. Borrower further authorizes the Lenders to provide credit information and their credit experience to other Farm Credit Institutions and creditors.

8.2USA PATRIOT Act. Lender hereby notifies the Borrower that pursuant to the requirements of the USA PATRIOT Act (Title III of pub. L. 107 56 (signed into law October 26, 2001)) (the "Act") , Lender  is required to obtain, verify and record information that identifies the Borrower, which information includes the name and address of the Borrower and other information that will allow Lender to identify the Borrower in accordance with the Act. Borrower shall, promptly following a request by Lender, provide all documentation and other information that Lender requests in order to comply with its ongoing obligations under applicable "know your customer" and anti-money laundering rules and regulations, including the Act.

9.1Authorization and Procedures. Borrower hereby acknowledges that from time to time it may communicate with Lender in electronic format (e.g. e-mail, internet, intranet or means of transmission, storage, retrieval, or communication other than a paper bearing an inked signature), by telephone or by facsimile. Unless otherwise agreed by the parties, the Lender may rely on electronic communications in the same manner as it relies on written forms of communication. The following shall apply to e-mail and other forms of electronic communications:

9.1.1Electronic Signatures. Any transmission that bears any of the signatures or symbols set forth in the Loan Disbursement Instructions contained herein shall be deemed to  be signed  by the Borrower with the intent of being bound thereby. The Lender's authorized signature for purposes of electronic communications shall be the name of the applicable Lender followed by the name and title of the individual sending the communication. If the Lender adopts a particular authentication program, any  document  bearing the proper authentication of the Borrower shall be deemed to have been executed by the Borrower.

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Lender.

9.3Record Preservation. Lenders reserve the right to record and retain telephonic requests and other forms of data transmissions for their records. In the event of a conflict between Borrower's records and Lenders' records, the Lenders' records will govern.

9.4Use of Electronic Documents. Electronically stored copies of this Master Agreement or other documents related to transactions with Lender are considered to be the true, complete, valid, authentic and enforceable records of this Agreement and the Borrower's other transactions with Lender, admissible in judicial or administrative proceedings to the same extent as if the documents and records were originally generated and maintained in printed form. Borrower agrees not to contest the admissibility or enforceability of Lender's electronically stored copies of this Master Agreement or any other documents generated with respect to any existing or future loans.

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10.1 Appointment of Agent to Negotiate and Agree to Interest Rate Conversions. Borrower hereby appoints(s): Paul Egan Dolan, III and Karen Weaver, acting separately or together each of who shall be hereinafter referred to as "Interest Rate Pricing and Conversion Agent" to take the following actions on behalf of the Borrower collectively and each Borrower individually:

10.1.1 Interest Rate Conversions. Request, negotiate and enter into one or more agreements with Lender for: (a) choosing an interest rate product or option and an interest rate quote to be made applicable to loans now existing or to be made in the future; (b) options to lock specific interest rates in accordance with Lender's procedures; (c) payment of fees in order to lock rates and/or convert or otherwise obtain the negotiated rate; (d) compensating Lender for losses and costs incurred by Lender as a result of Borrower's failure to accept loans in full or in part with the committed interest rates and interest options negotiated by the Interest Rate Pricing and Conversion Agent; and (e) the conversion of the rate(s) of interest and/or methodologies for calculating the rate(s) of interest applicable to existing loans, loans made contemporaneously herewith or loans to be made in the future by Lender to Borrower to such other interest rates and/or interest methodologies as may from time to time be offered by Lender, subject to terms and conditions set forth by Lender.

I 0. 1.2 Execute Agreements. Execute additional documents as Lender may require giving full force and effect to any act or action authorized by Section IO of this Master Agreement and to any interest rates and/or interest rate methodologies negotiated by the Interest Rate Pricing and Conversion Agent on behalf of the Borrower.

10.2    Indemnity.   Borrower  hereby agrees to indemnify  and  hold the Lenders  free and harmless from  any and all liability, costs, fees, and damages Lenders may incur as a result of or in relation to Lenders' reliance on the appointment contained in this Section I 0.

11.1 Establishing  Funds  Held  Accounts,  Maximum  Amounts.  With  the  consent  of  Lender  and  upon execution of this Master Agreement,  Borrower  may  establish  one  or  more  accounts  (each  of  which  accounts  shall hereafter be referred to as a "Funds  Held  Account")  by  providing  Lender  with  funds  for  deposit  and  instructions requesting that Lender place such funds in a Funds  Held  Account.  Section  I  I  of  this  Master  Agreement  and  Lender's Funds Held Policy, as the same may be modified from time to time, shall govern Funds Held Accounts. The maximum aggregated balance  of  the  Borrower's  Funds  Held  Account(s),  including  compounded  interest,  shall  not  exceed  an amount equal to the aggregate of all  of  Borrower's  combined  Loan  commitments  and  Loan  balances  and  shall  be consistent  with  federal  laws  and  the  Lender's  policies,  as  may  be  amended  from  time  to  time.  Absent  the  occurrence of an Event of Default, amounts in excess of  the  maximum  balance  will  be  remitted  to  Borrower  or  other  parties

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designated in the Loan Documents to receive loan proceeds unless Borrower and Lender agree otherwise in writing.

11.2      Rate of  Interest.   The  rate of  interest applicable  to  Funds Held  Accounts  is an  unpublished  variable rate  that  may  be  changed  by  the  Lender  effective  on  the  first  day  of  each  month.  Interest  shall  compound  monthly and be calculated on  the  basis  of  a 365  day  year,  for  actual  number  of  days  elapsed.  Interest  will  begin  to  accrue  on the day funds are credited to the account if the funds  are received  before  2:00  P.M.  in  the time  zone  in  which  Lender resides on a Business Day and on the next Business Day after funds are received if the funds are received after 2:00

P.M. in the time zone in which Lender resides.

11.3 Funds Held Statements. Interest earned on the Funds Held Account is reported periodically in the Transaction Summary and annually to the Internal Revenue Service on Form 1099-I. Additionally, deposits, withdrawals, and amounts in the Funds Held Account will be reflected on the Transaction Summary. Unless Borrowers object to the Transaction Summary within thirty (30) days after the Transaction Summary has been sent, the information contained in the Transaction Summary shall constitute evidence of the information stated therein.

11.4Withdrawal. The Borrower or party authorized in Section 11.9 below may withdraw funds from the Funds Held Account in accordance with the terms and conditions set forth below and any other restrictions that Lender and the Borrower may agree to by a signed writing or other authenticated record. Provided that the Borrower, under the terms and conditions of this Master Agreement and any Loan Documents or other agreements with Lender, is not then in default and there is no event which would become, unless waived or remedied, an Event of Default with the passage of time or the giving of notice or both, Borrower may withdraw funds from the Funds Held Account for the following purposes and under the following conditions:

11.4.1For application against the Loans or for other agricultural purposes. Withdrawals may be made for non-agricultural purposes under extenuating circumstances subject to the prior written approval of Lender. Such purposes would include medical emergencies, disaster losses and dissolution of Borrower.

(7) days or until such time as the Lender determines that such funds are good funds. In the event that, for whatever reason, funds in the Funds Held Account are withdrawn and such funds are subsequently discovered not to have been good funds, the funds must be returned to the Lender immediately, without the necessity of demand or presentment by the Lender. Failure to return said funds shall constitute an Event of Default on all Obligations owed by Borrower to Lender.

11.4.3Unless otherwise agreed to in this Master Agreement or in another writing signed by the Borrower and the Lender, all funds withdrawn or disbursed from Borrower's Funds Held Account will be made payable to the Borrower or other parties designated in the Loan Documents to receive loan proceeds and in the manner set forth therein.

11.4.4Withdrawal requests may be made in writing, by telephone, by fax or in an electronic form acceptable to Lender. (E-mail requests will be permitted only with the prior

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written consent of the Lender.) Requests must be made at least twenty-four (24) hours prior to withdrawal. Withdrawals may be made only on a Business Day.

I 1.4.5 Lender, with the written agreement of the Borrower may agree to fu11her restrictions on the Borrower's ability to withdraw funds from the Funds Held Account.

11.7Amendments to Funds Held Account Terms and Conditions. The terms and conditions set forth in Section 11 of this Master Agreement are subject to amendment by the Board of Directors of the Lender or pursuant to law or regulations. Amendments to this Section 11 required by law or regulation will become effective immediately. For all such other changes, the change will become effective on the first day of the month after the change has been authorized or on such other date as the Board of Directors may authorize. Lender shall provide written notice of such change in accordance with Section 13.l of this Agreement.

11.8Funds Held Account Termination. Lender reserves the right to terminate the provisions of Section 11 of this Master Agreement at any time.

11.9Appointment of Agent - Funds Held Account. Borrower hereby appoints Paul Egan  Dolan, III or  Karen Weaver as its attorney-in-fact for the purpose of making deposits  and  withdrawals  from  any  Funds  Held Account of Borrower. The Lender, however, may in its sole discretion, require the signatures of all Borrowers. This appointment may be revoked by a record authenticated by the Borrower delivered  to  Lenders  in  accordance  with Section 13.20 of this Master Agreement.

11.10Funds at Risk. The funds deposited in the Funds Held Account are at risk and are not insured. Borrower is solely dependent on the commitment and financial condition of the Lender with respect  to the  Lender's ability to honor  the  terms and  conditions contained  in

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Section  11 of this Master  Agreement,  including the  repayment of all funds in the Funds Held Account and the payment of any interest on said funds.  In the event  Lender  were to become insolvent and liquidated, the funds in the Funds Held Account would be applied against any outstanding Loan from Lender. Any funds in excess of the total outstanding balance of all Loans  would  be at  risk and  subject  to the claims of Lender's creditors.

12.FEES AND CHARGES OF ATTORNEYS AND OTHERS. If Lender incurs Professional Fees, then, to the extent permitted by law, the reasonable amount of said Professional Fees incurred by Lender shall be payable on demand, or each Lender may, as its option, add the amount of such Professional Fees to the principal amount of the Loan and an appropriate amount of Member Stock as required by such Lender's bylaws and FCA regulations. Each Lender thereafter may charge interest on such amount at the interest rate then applicable to the principal.

Professional Fees covered by this provision may include charges for the following:

12.1Loan Documentation. The negotiation, preparation, modification, or renewal of this Master Agreement or Loan Documents;

12.2Enforcement of Rights and Remedies. Advising Lender concerning rights and obligations with regard to the Indebtedness, or Collateral, including advising Lender with regard to Borrower's exercise of any rights under any federal or state law, regulation, policy or program;

12.3Litigation, Etc. Any litigation, dispute, proceeding or action, whether instituted by Lender, Borrower, or any other Person, relating to or affecting the Indebtedness, the Collateral, Guarantor or Borrower's affairs, including representation of Lender in any bankruptcy, insolvency, or reorganization case or proceeding instituted by or against Borrower or any Guarantor, and any attempt by a Lender to enforce any rights against Borrower;

12.4Collateral. The inspection, verification, protection, collection, processing, sale, liquidation, disposition or exercise of enforcement of rights with respect to the Collateral;

12.5Appraisal. The cost of any appraisal or evaluation of Collateral, which Lender may from time to time obtain as part of Lender's reasonable administration of the Indebtedness; and

13.1   Notices.  Any notice, demand, or communication required or permitted to be given by any provision of this Master Agreement will be in writing or electronic form and will be deemed to have been given when delivered personally or by facsimile receipt

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confirmed to the party designated to receive such notice or on the date following the date sent by overnight courier or on the third business day after the same is sent by United States mail, postage and charges prepaid, directed to the following addresses or to such other or additional addresses as any party might designate by written notice to the other party:

If to the Lender:

P.O. Box 1330

Santa Rosa, California ###-###-#### Facsimile: (707) 545-7200

E-mail address: santaro ***@***

If to the Borrower:

125 Foss Creek Circle Healdsburg, California 95448

13.2Effectiveness. The authorizations contained herein shall remain in effect for all transactions with the Lender until Borrower revokes the authorizations in a signed writing and delivers the revocation to the Lender. Such revocation shall not be effective until thirty (30) days after receipt by the applicable Lender. Such revocation shall be prospective only and shall not have retroactive effect.

13.3Amendments . This Master Agreement may only be amended in writing signed by both Borrower and Lender except that Lender may unilaterally waive conditions or provisions favorable to it by giving Borrower notice of such waiver in a manner consistent with Section 13.1 above. If a Borrower is a partnership, joint venture or similar entity, and the composition of the entity changes, then a new member or partner of the entity may be added to and bound by this Master Agreement without the consent of the other Borrowers. Notwithstanding the foregoing, the addition or deletion of a Borrower shall not result in a change of any of the authorizations contained herein unless all of the Borrowers consent.

13.4 Signatures. Documents Signed in Counterparts. Facsimile Signatures.  Borrower acknowledges that any of the signatures or symbols set forth on this Master Agreement will constitute Borrower's signature for the purpose of evidencing Borrower's intent to be bound by this Master Agreement and any other agreements and Loan Documents delivered to Lender and Lender shall have no obligation to inquire further into the authenticity of said signatures. If Borrower is a corporation, partnership, limited liability company, etc., Borrower may change the signatures authorized herein by delivering to Lender the appropriate forms evidencing a change in signatories. Any form used to authorize additional or changed signatures must include sample signatures of those persons authorized to sign on behalf of the Borrower. Once accepted by Lender, such signatures will supersede those affixed to this Master Agreement. Borrower and Lender agree that, unless otherwise expressly stated, all agreements and Loan Documents to be signed by Borrower or any Guarantor may be executed in any number of counterparts, each of which shall be an original but all of which together shall constitute one instrument. The signature page of any counterpart may be detached therefrom without impairing the legal effect of the signatures

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thereon provided that such signature page is attached to any other counterpart identical thereto having additional signature pages executed by any other party. At Lender's discretion, facsimile signatures by Borrower or any Guarantor may be acceptable.

13.5 MUTUAL WAIVER OF JURY TRIAL.  TO  THE  EXTENT  PERMITTED  BY APPLICABLE LAW, THE PARTIES WAIVE ANY RIGHT TO A TRIAL BY JURY WITH RESPECT TO ANY ACTION OR PROCEEDING (i) BROUGHT BY BORROWER, ANY LENDER, OR ANY PERSON RELATING TO (a) THE LOANS OR ANY UNDERSTANDINGS OR PRIOR DEALINGS BETWEEN THE PARTIES OR (b) THE LOAN DOCUMENTS, OR, (Ii) TO WHICH ANY LENDER OR BORROWER IS A PARTY.

13.6Hazardous Substance Indemnity. Borrower indemnifies and agrees to hold Lender harmless for, from and against any losses or damages suffered by such Lender that arise from the Release, threatened release, discharge, manufacture, use, storage, transportation or presence of any Hazardous Substance in connection with the business of Borrower or on any real property owned or occupied by Borrower, whether pledged as security for any loan or not. The indemnity covers the officers, directors, agents, and attorneys of Lender and extends to attorneys' fees and other costs and expenses incurred by Lender in connection with the foregoing. NOTWITHSTANDING ANY OTHER PROVISION OF THIS MASTER AGREEMENT OR THE LOAN DOCUMENTS, THIS INDEMNITY SHALL SURVIVE REPAYMENT OF THE INDEBTEDNESS.

13.7Obligations of Each Person Under This Master Agreement. The liability  of  each  Borrower executing this Master Agreement shall be that of co-maker and not that of an endorser, guarantor or accommodation  party and shall be joint and several. The separate property of any  married  person  executing  this Master  Agreement shall be liable for the indebtedness evidenced by this Master Agreement and the Loan Documents.

13.8Specific Waiver of Each Borrower or Any Guarantor. The Indebtedness of each Borrower or Guarantor of any type under any Loan Document is independent of the Indebtedness of all other Borrowers and Guarantors. Each Borrower expressly waives any right to require Lender to proceed against any other Borrower or Guarantor, to proceed against or exhaust any Collateral, to pursue any remedy Lender may have at any time, and the benefit of any statute of limitations affecting its liability under this Master Agreement or any  other  Loan Document. Each Borrower waives any and all defenses arising by reason of (i) any disability or other defense  of  any  other Borrower or Guarantor with respect to the Indebtedness owed to Lender, (ii) the termination  for any reason  whatsoever of the liability of any other Borrower or Guarantor, (iii) any act or omission of Lender that directly  or indirectly  results in or aids the discharge or release of any other Borrower, any Guarantor, or any security  interest  or lien  provided  by any Borrower or Guarantor, (iv) the failure by Lender to perfect any security interest or lien on any Collateral, and

Each Borrower agrees that Lender may at any time, without notice, release all or any part

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of the security for the Indebtedness (including all or any part of the premises covered by the referenced mortgage or deed of trust), grant extensions, change terms of payment, deferments, renewals or reamortizations of any part of the Indebtedness, and release from personal liability any one or more of the parties who are or may become liable for the Indebtedness; all without affecting the personal liability of any other party. Borrower and any endorsers of the Indebtedness also severally waive any and all other defense or right of offset against the holder thereof. No Borrower or Guarantor shall have any right of subrogation, contribution, reimbursement, indemnity, set off, or other recourse and waives the benefit of, or any right to participate in, any Collateral until such time as all of the Obligations owed by Borrower to any Lender under any Loan shall have been paid in full. Each Borrower, to the extent it may lawfully do so, waives any defense under any applicable anti-deficiency statutes relating to the recovery of a deficiency after a foreclosure sale of such property.

Each Borrower represents and warrants to Lender that it has established  adequate  means of obtaining  from each other Borrower or Guarantor, on a continuing basis, information pertaining to the businesses, operations and conditions (financial or otherwise) of each other Borrower and Guarantor and their respective properties, and each Borrower now is and will be familiar with the businesses, operations and conditions (financial  or otherwise)  of each other Borrower and its properties. Each Borrower waives and  relinquishes  any  duty  on the part  of Lender  (if such  duty exists) to disclose to any Borrower any matter, fact or thing related to the businesses, operations, or conditions (financial or otherwise) of any other Borrower or Guarantor or its properties. Without limiting the generality of the foregoing, each Borrower waives any defenses or rights arising under or of the kind described in California Civil Code sections 2795, 2808, 2809, 2810, 2815, 2819 through 2825 (inclusive), 2832, 2839, and 2845 through 2850 (inclusive) and similar laws in other jurisdictions.

Each Borrower agrees that nothing shall discharge or satisfy the liability  of such  Borrower  to Lender except the full and indefeasible payment and performance of all Borrowers' indebtedness and obligations to  Lender  with interest. Borrowers' indebtedness and obligations to Lender shall not  be  considered  indefeasibly  paid  until  all payments to Lender are no longer subject to any right, by any  person, to  invalidate  or set  aside such  payments or to seek to recoup the amount of such  payments or to declare such payments to be fraudulent or preferential.  In the event  any portion of any such payments shall be set aside or restored, then each Borrower shall be liable for the full amount Lender is required to repay, plus any costs and expenses (including attorneys fees) paid by Lender in connection therewith. Each Borrower and Guarantor waives notice of any and all favorable  and  unfavorable  information, financial or other, about any other Borrower, heretofore,  now, or hereafter learned  or acquired  by  Lender, and  all other notices  to which any Borrower might otherwise be entitled. Each Borrower understands and agrees that the foregoing waivers

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are waivers of substantive rights and defenses to which such Borrower might otherwise be entitled under state and/or federal law. The rights and defenses waived include, without limitation, those provided by any and all applicable laws of suretyship and guaranty, anti-deficiency laws, and the Uniform Commercial Code. Each Borrower acknowledges that it has provided these waivers of rights and defenses with the intention that they be fully relied upon by Lender.

13.9Applicable Law. Enforcement of this Master  Agreement,  and any other Loan  Document  executed in connection herewith shall be governed by and construed  in accordance  with  federal  laws to the extent  applicable, and shall otherwise  be governed  by the laws of the state in which Borrower  is domiciled  or, if more than one or in  not a state of the United States of America, then the state in which this Master Agreement was executed by Lender.

13.10Choice of Forum. Any dispute that arises under or relates to this Master Agreement or any Loan Document (whether contract, tort, or both) shall be resolved in a forum selected by the applicable Lender. Unless otherwise required by law or requirements for enforcing of rights, the forum in which any branch office of Lender is located shall be deemed appropriate.

13.11Integration Clause . This Master Agreement, all Notes, any Loan Documents, and any and all modifications thereof, executed by any Lender and Borrower in connection herewith or hereafter, or as required by this Master Agreement are the final expression of and constitute the entire agreement between Borrower and the applicable Lender and supersede all prior negotiations, communications, discussions, oral agreements, and promises concerning this Master Agreement, the Notes, and Loan Documents. The Master Agreement, Notes, and Loan Documents do not include any loan application or any written correspondence submitted by Borrower to Lender that has not been agreed to by Lender in writing. This Master Agreement, the Notes contemplated hereby, and any other Loan Documents may be amended or modified only by a written instrument executed by each party hereto and may not be contradicted by evidence of any prior or contemporaneous oral agreement between the applicable parties.

13.12Severability. If one or more of the provisions of this Master Agreement or any other Loan Document is deemed or held to be invalid, illegal,  unenforceable  or against  public  policy  in any  respect, the validity,  legality, and enforceability of the remaining provisions shall not in any way be affected or impaired.

13.13Captions . Captions used in this Master Agreement and in any of the Loan Documents are inserted only as a matter of convenience and for reference, and in no way define, limit or describe the scope or intent of any term or provision.

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13.15Survival. All representations and warranties of Borrower contained in any of the Loan Documents or this Master Agreement will survive the execution and delivery of such Loan Document and this Master Agreement.

13.16Binding Effect. This Master Agreement will inure to the benefit of and bind  the  respective successors and permitted assigns of the parties.

13.17No Jojnt Venture. Nothing contained in this Agreement will be construed to constitute the Lender as a joint venturer with the Borrowers or any Guarantor or to constitute a partnership.

13.18No Third Party Beneficiaries. Burrower and Lender agree that anything herein to the contrary notwithstanding, there are no third party beneficiaries of this Master Agreement or any Loan Document.

13.19Cooperation. Borrower shall execute and deliver all such additional documents, instruments, and agreements and take all such other actions as necessary to create, ratify, protect, evidence and defend Lender's rights under this Master Agreement, all Loan Documents and, in particular, Lender's liens or security interest in personal property or real property, Borrower also authorizes Lender to record UCC-1 Financing Statements and amendments as appropriate to perfect and protect the security interests created by any Loan Documents. In addition, Borrower, as appropriate, shall execute and deliver at any time and from time to time upon Lender's request any notifications to third parties as are necessary to evidence the security interest provided for in any Loan Documents, and to provide for payment of any accounts or other amounts receivable which are Collateral or the proceeds of Collateral.

13.20 Termination or Revocation of Authorization . All directions, authorizations and appointments contained herein are effective as of the date of this Master Agreement and shall remain in full force and effect until revoked or terminated as set forth herein. Revocations by Borrower of any of these directions, authorizations or appointments shall be in writing signed and dated by the Borrower(s), The revocation shall not be effective until thirty

(30) days after the Lender has received the revocation notice. The death or dissolution of any Borrower shall terminate the directions, authorizations or appointments set forth herein and such termination shall take effect thirty (30) days after Lender receives notice of the death or dissolution, All such terminations and revocations shall be prospective only. The authorizations and instructions contained herein are intended to facilitate transactions, Lender may, in its sole and absolute discretion, from time to time require re-authorization or reappointments.

In witness whereof, the parties have signed this on the date first set forth above.

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