Mortgage, Security Agreement, Assignment of Production and Proceeds, Financing Statement and Fixture Filing between VHGI Holdings, Inc. and Lender

This agreement is between VHGI Holdings, Inc. and a lender. It establishes a mortgage and security interest in certain property, assigns production and proceeds from that property to the lender, and serves as a financing statement and fixture filing. The agreement secures the repayment of a loan or other financial obligations by VHGI Holdings, Inc. to the lender. If VHGI Holdings, Inc. defaults, the lender may claim the property and its proceeds. The agreement remains in effect until the secured obligations are fully satisfied.