anchise Agreement executed by those individuals who will be acting on behalf of Assignee in completing any Project(s) and will be provided more detailed information regarding the Development System than has been provided to the general public.

• 1. In the event that Epcon Communities must hold initial training sessions for the benefit of Assignee, or Assignee's agents and employees, Assignee agrees to pay to Epcon Communities a reasonable tuition fee for each attendee attending such training.

EXHIBIT J OF FRANCHISE DISCLOSURE DOCUMENT

EXHIBIT "7" (to Franchise Agreement)

[THE SPECIFIC FORM OF MORTGAGE OR SECURITY INSTRUMENT USED IN EACH JURISDICTION WILL VARY TO COMPLY WITH APPLICABLE STATE AND LOCAL LAWS.]

MORTGAGE

A. This Mortgage is made by and between: 1. (NAME OF MORTGAGOR), a(n) (STATE OF MORTGAGOR'S ORGANIZATION) (TYPE OF ENTITY) whose address is ("Mortgagor"); and 2. EPCON COMMUNITIES FRANCHISING, LLC, an Ohio limited liability company located at 500 Stonehenge Parkway, Dublin, Ohio 43017 ("Mortgagee"). B. For good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Mortgagor mortgages, hypothecates, pledges, grants, conveys, bargains, sells, and transfers to Mortgagee: 1. All of Mortgagor's fee simple right, title, and interest in the property described in attached Schedule A, including, without limitation, any and all appurtenances thereto, and any and all buildings, structures, fixtures, and improvements thereon, whether now or later existing (collectively "Property"); 2. All rents, revenues, profits, sale proceeds, and other benefits relating to the Property ("Rents"); C. This Mortgage secures payment of any and all present and future franchise fees owed by Mortgagor to Mortgagee pursuant to that certain Franchise Agreement dated, 20, including but not limited to the Point of Closing Royalty Payments as defined in the Franchise Agreement in the original principal sum of $ (the "Obligations"). D. Upon default under the Obligations: 1. To the extent permitted by law, Mortgagee may completely or partially foreclose upon and sell the Property in accordance with the applicable private, nonjudicial foreclosure procedures prescribed by state law; 2. If state law prohibits private foreclosure sales, Mortgagee may institute court proceedings for complete or partial foreclosure upon sale of the Property in accordance with state law. E. This Mortgage remains in effect until Mortgagee releases it. 1. Upon full and final payment and performance of all of the Obligations, Mortgagee will release this Mortgage. 2. Upon release, this Mortgage will be void. 3. Mortgagee shall provide a partial release of this Mortgage for any portion of the Property upon Mortgagee's receipt of payment of the applicable percentage of each dwelling unit's purchase price as set forth in the Franchise Agreement by and between Mortgagor or Mortgagor's predecessor in interest and Mortgagee. 4. Any partial release of this Mortgage shall not release Mortgagor of any obligations under this Mortgage or under the Obligations, nor preclude Mortgagee from exercising any right granted in this Mortgage.

F. This Mortgage is governed by the laws of the State where the Property is located. (NAME OF OF a(n) MORTGAGOR), (STATE MORTGAGOR'S (TYPE OF ENTITY). ORGANIZATION) Signature: By (print) : Title: Date: STATE OF) SS. COUNTY OF) On this day of, A.D. 20, before me, the undersigned, personally appeared (NAME), (TITLE), (NAME OF MORTGAGOR), a(n) (STATE OF MORTGAGOR'S ORGANIZATION) (TYPE OF ENTITY) who acknowledged execution of the foregoing instrument for the purposes therein contained on behalf of said company. IN WITNESS WHEREOF, I hereunto set my hand and official seal. Notary Public Prepared By, Mortgagee.

EXHIBIT A

LEGAL DESCRIPTION TO MORTGAGE

EXHIBIT K K OF FRANCHISE DISCLOSURE DOCUMENT

NON-DISCLOSURE AND ON-LINE INFORMATION ACCESS AGREEMENTS

Epcon Communities Franchising, LLC Non-Disclosure and On-Line Information Access Agreement (Franchisee)

Welcome to the Epcon Communities Franchising, LLC Intranet! Read all terms and conditions of this Epcon Communities Franchising, LLC ("Epcon Communities") Non-Disclosure and On-Line Information Access Agreement (this "Agreement") before signing. Complete the bottom section, have it signed by an authorized person and either e-mail, fax or mail it to Epcon Communities at the facsimile number or addresses at the end of this Agreement. Upon receipt and acceptance by Epcon Communities, Epcon Communities will contact you with your User Name and Password so you can access the Epcon Communities Intranet and/or the Epcon Learning Center.

The following items will describe the terms of service for the Epcon Communities services collectively known as the Epcon Communities Intranet. These services include a web site, online training modules, and a bulletin board service, as well as any services, which may be added from time to time. The purpose of the Epcon Communities Intranet is to facilitate communication between you and other Epcon Communities franchisees and their employees, Epcon Communities employees and Epcon Communities departments. We at Epcon Communities believe that you will find the Epcon Communities Intranet to be both useful as a means for receiving technical information and assistance from Epcon Communities, and as a forum for discussion on a wide range of issues of interest to the Epcon Communities community as a whole.

Source: Item 23 — RECEIPTS (FDD pages 86–280)