Based on the 2025 Franchise Disclosure Document, Exhibit J is the mortgage for Epcon Communities. However, the excerpt provided does not contain the actual terms, conditions, or requirements of the Note and Mortgage associated with the Franchise Agreement. The document only indicates that a mortgage agreement exists as part of the franchise agreement.

Prospective franchisees should carefully review Exhibit J, the Mortgage document, within the FDD and the Franchise Agreement itself to understand the obligations related to the Note and Mortgage. This includes understanding the circumstances under which the mortgage may be required, the assets that may be used as collateral, and the conditions for release of the lien.

To fully understand the Note and Mortgage requirements, a prospective Epcon Communities franchisee should ask the franchisor for a complete copy of the standard form Note and Mortgage, including all terms, conditions, and obligations. They should also seek legal counsel to review these documents and understand their implications.