Suitability and Disclosure:  Investors must be 21 years of age or older and have sufficient knowledge and experience in financial and business matters.  The subject investments are not intended to be securities and, therefore, are not afforded protection under the Securities Act of 1933, the Securities Exchange Act of 1934 or applicable state laws and have not been registered under the Acts or certain state securities laws.  If default occurs on payment per the terms of the promissory note and deed of trust, the investor’s legal rights of action are contained within those agreements and should be thoroughly examined with the investor’s own counsel.

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