AMERICAN RETIREMENT VILLAS PROPERTIES III LTD PARTNERSHIP
THIRD AMENDMENT TO MULTIFAMILY NOTE
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<TYPE>EX-10.22
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<FILENAME>dex1022.htm
<DESCRIPTION>THIRD AMENDMENT TO MULTIFAMILY NOTE
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  <p align=right><font size=2 face="Times New Roman">Exhibit 10.22</font></p> <p align=center><font size=2 face="Times New Roman"><b><u>THIRD AMENDMENT TO MULTIFAMILY NOTE</u></b></font></p> <p><font size=2
face="Times New Roman"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</b>THIS THIRD AMENDMENT TO MULTIFAMILY NOTE (this &#147;<b>Amendment</b>&#148;) is made as of this
20th day of September, 2002 between RETIREMENT INNS III, LLC, a Delaware limited liability company (the &#147;<b>Borrower</b>&#148;), and RED MORTGAGE CAPITAL, INC., an Ohio corporation, formerly known as Provident Mortgage Capital, Inc.,
successor-in-interest to Banc One Capital Funding Corporation (the &#147;<b>Lender</b>&#148;).</font></p> <p align=center><font size=2 face="Times New Roman"><u>RECITALS</u></font></p> <p><font size=2
face="Times New Roman"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</b>WHEREAS, the Lender has previously made a loan to the Borrower in the original principal sum of
Eight Million Two Hundred Nine Thousand Nine Hundred Dollars ($8,209,900) (the &#147;<b>Loan</b>&#148;) pursuant to the terms of that certain Multifamily Note dated as of June 27, 1999, by the Borrower to the order of the Lender (the
&#147;<b>Original Note</b>&#148;), as amended pursuant to the terms of that certain First Amendment to Multifamily Note dated as of December 28, 2000 between Borrower and Lender (the &quot;<b>First Amendment to Note</b>&quot;), as further amended
pursuant to the terms of that certain Second Amendment to Multifamily Note dated as of February 19, 2002, but effective as of January 1, 2002, between Borrower and Lender (the &#147;<b>Second Amendment to Note</b>&#148;, and together with the
Original Note and the First Amendment to Note, the &#147;<b>Existing Note</b>&#148;) and is secured, in part, by a first mortgage lien on the real property (the &quot;<b>Mortgaged Property&quot;</b>) described on Exhibit A to that certain
Multifamily Deed of Trust, Assignment of Rents, Security Agreement and Fixture Filing dated as of June 27, 1999 by the Borrower to and for the benefit of the Lender, recorded among the Official Records of Ventura County, California (the
&#147;<b>Land Records</b>&#148;) on June 28, 1999 as Instrument No. 99-122405 (the &quot;<b>Original Deed of Trust</b>&quot;), as amended by that certain Amendment to Multifamily Deed of Trust, Assignment of Rents, Security Agreement and Fixture
Filing dated as of August 31, 1999 between the Borrower and the Lender, recorded among the Land Records on September 10, 1999 as Instrument No. 99-173435 (the &quot;<b>First Amendment to Deed of Trust</b>&quot;), as affected by that certain
Confirmatory Assignment of Multifamily Deed of Trust, Assignment of Rents, Security Agreement and Fixture Filing dated as of December 12, 2000, effective as of October 2, 2000, by Banc One Capital Funding Corporation, an Ohio corporation to
Provident Mortgage Capital, Inc., now known as Red Mortgage Capital, Inc., recorded among the Land Records on January 31, 2001 as Instrument No. 2001-0018605-00 (the &#147;<b>Confirmatory Assignment</b>&#148;), as further amended by that certain
Second Amendment to Multifamily Deed of Trust, Assignment of Rents, Security Agreement and Fixture Filing dated as of February 13, 2002, but effective as of January 1, 2002, between the Borrower and the Lender, recorded among the Land Records on
February 21, 2002 as Instrument No. 02-040888 (the &#147;<b>Second Amendment to Deed of Trust</b>&#148;, and together with the Original Deed of Trust, the First Amendment to Deed of Trust and the Confirmatory Assignment, the &#147;<b>Existing Deed
of Trust</b>&#148;); and</font></p> <p><font size=2 face="Times New Roman"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</b>WHEREAS, pursuant to the terms of that certain
Master Modification Agreement dated as of February 19, 2002 by and among the Borrower, ARV Assisted Living, Inc., a Delaware corporation (the &quot;<b>Guarantor</b>&quot;), and the Lender (the &quot;<b>Modification Agreement</b>&quot;), and the
Second Amendment to Note, the Maturity Date (as such term was defined in the Original Note, as amended by the First Amendment to Note) of the Loan was extended to July 1, 2003, the principal sum of the Loan was increased to $11,980,000 and the
interest rate of the Loan was changed to 8.50%; and</font></p> <p><font size=2 face="Times New Roman"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</b>WHEREAS, the
Borrower has requested and the Lender has agreed pursuant to the terms and conditions of that certain Second Master Modification Agreement dated as of the date hereof by and among Borrower, Guarantor, and Lender (the &#147;<b>Second Modification
Agreement</b>&#148;) to extend the Maturity Date (as such term is defined in the Existing Note) of the Loan to January 1, 2004 (the &#147;<b>Extension</b>&#148;); and</font></p> <p><font size=2
face="Times New Roman"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</b>WHEREAS, Borrower and Lender have agreed to enter into this Amendment in accordance with the terms
and conditions of the Second Modification Agreement.</font></p> <p><font size=2 face="Times New Roman"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</b>NOW, THEREFORE, for
and in consideration of the premises, the mutual entry of the Second Modification Agreement by the parties thereto, the Extension and for other good and valuable consideration, the receipt and adequacy of which are hereby acknowledged by each party
hereto, the parties hereby agree as follows:</font></p> <p><font size=2 face="Times New Roman"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section
1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</b><u>Recitals</u>.&#160; The Recitals are hereby incorporated into this Amendment as a substantive part hereof.</font></p> <font size=2 face="Times New Roman"><b><BR> </b></font>

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  <font size=2 face="Times New Roman"><b> </b></font> <p><font size=2
face="Times New Roman"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section 2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</b><u>Modification to the Existing Note</u>.&#160; </font></p>
<p><font size=2
face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;The third sentence of Section 3(b) of the Existing Note is hereby deleted in its entirety and the following is inserted in lieu thereof: </font></p>
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<td width="90%" valign=top> <p><font size=2 face="Times New Roman">&#147;Subject to Section 20 herein, any remaining principal and interest shall be due and payable on January 1, 2004 or on any earlier date on which the unpaid principal balance of
this Note becomes due and payable, by acceleration or otherwise (the &#147;<b>Maturity Date</b>&#148;).&#148;</font></p> </td> </tr> </table> <p><font size=2
face="Times New Roman"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section 3</b>.&#160; <u>Ratification</u>.&#160; Except as may be amended or modified hereby, the terms
of the Existing Note are hereby ratified, affirmed and confirmed and shall otherwise remain in full force and effect.</font></p> <p><font size=2
face="Times New Roman"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section 4</b>. <u>Amendments</u>.&#160; This Amendment may be amended or supplemented by and only by an
instrument executed and delivered by each party hereto.</font></p> <p><font size=2 face="Times New Roman"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section 5</b>.&#160;
<u>Waiver</u>.&#160; The Lender shall not be deemed to have waived the exercise of any right which it holds under the Original Loan Documents (as such term is defined in the Second Modification Agreement) unless such waiver is made expressly and in
writing (and no delay or omission by the Lender in exercising any such right shall be deemed a waiver of its future exercise).&#160; No such waiver made as to any instance involving the exercise of any such right shall be deemed a waiver as to any
other such instance, or any other such right.&#160; Without limiting the operation and effect of the foregoing provisions hereof, no act done or omitted by the Lender pursuant to the powers and rights granted to it hereunder shall be deemed a waiver
by the Lender of any of its rights and remedies under any of the provisions of the Original Loan Documents executed in connection with the Loan, and this Assignment is made and accepted without prejudice to any of such rights and remedies.
</font></p> <p><font size=2 face="Times New Roman"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section 6</b>.&#160; <u>Governing Law</u>.&#160; This Agreement shall be
given effect and construed by application of the law of the State of California.</font></p> <p><font size=2
face="Times New Roman"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section 7</b>.&#160; <u>Headings</u>.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The headings of the sections,
subsections, paragraphs and subparagraphs hereof are provided herein for and only for convenience of reference, and shall not be considered in construing their contents.</font></p> <p><font size=2
face="Times New Roman"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section 8</b>.&#160; <u>References</u>.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As used herein, all references
made (i) in the neuter, masculine or feminine gender shall be deemed to have been made in all such genders and (ii) in the singular or plural number shall be deemed to have been made, respectively, in the plural or singular number as
well.</font></p> <p><font size=2 face="Times New Roman"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section 9</b>.&#160; <u>Severability</u>.&nbsp;&nbsp;&nbsp;No
determination by any court, governmental body or otherwise that any provision of this Amendment or any amendment hereof is invalid or unenforceable in any instance shall affect the validity or enforceability of (i) any other such provision or (ii)
such provision in any circumstance not controlled by such determination.&#160; Each such provision shall be valid and enforceable to the fullest extent allowed by, and shall be construed wherever possible as being consistent with, applicable
law.</font></p> <p><font size=2 face="Times New Roman"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section 10</b>.&#160; <u>Binding Effect</u>.&#160; This Amendment shall
be binding upon and inure to the benefit of the Borrower and the Lender and their respective successors and assigns, except that the Borrower shall not have the right to assign its rights hereunder or any interest in the Original Loan Documents
without the prior written consent of the Lender. </font></p> <p><font size=2 face="Times New Roman"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section 11</b>.&#160;
<u>Counterparts</u>.&#160; This Amendment may be executed in any number of counterparts, each of which shall be deemed to be an original and all of which shall constitute one and the same instrument.</font></p> <p><font size=2
face="Times New Roman"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section 12</b>.&#160; <b><u>WAIVER OF JURY TRIAL</u>.&#160; THE BORROWER AND THE LENDER EACH
(i)&nbsp;AGREES NOT TO ELECT A TRIAL BY JURY WITH RESPECT TO ANY ISSUE ARISING OUT OF THIS AMENDMENT, THE NOTE, ANY OTHER ORIGINAL LOAN DOCUMENT, OR THE RELATIONSHIP BETWEEN THE PARTIES, AS LENDER AND BORROWER, THAT IS TRIABLE OF </b></font></p> <p
align=center><font size=2 face="Times New Roman">2</font></p> <font size=2 face="Times New Roman"><BR> </font>

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  <font size=2 face="Times New Roman"> </font> <p><font size=2 face="Times New Roman"><b>RIGHT BY A JURY AND (ii)&nbsp;WAIVES ANY RIGHT TO TRIAL BY JURY WITH RESPECT TO SUCH ISSUE TO THE EXTENT THAT ANY SUCH RIGHT
EXISTS NOW OR IN THE FUTURE.&#160; THIS WAIVER OF RIGHT TO TRIAL BY JURY IS SEPARATELY GIVEN BY EACH PARTY, KNOWINGLY AND VOLUNTARILY WITH THE BENEFIT OF COMPETENT LEGAL COUNSEL.</b></font></p> <p align=center><font size=2
face="Times New Roman">3</font></p> <font size=2 face="Times New Roman"><BR> </font>

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  <font size=2 face="Times New Roman"> </font> <p><font size=2 face="Times New Roman"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</b>IN
WITNESS WHEREOF, each of the parties hereto have executed and delivered this Amendment under their respective seals as of the day and year first written above.</font></p>
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<td width="44%" valign=top> <p><font size=2 face="Times New Roman">RETIREMENT INNS III, LLC,<br> a Delaware limited liability company</font></p> </td> </tr>
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<td width="6%" valign=top> <p><font size=2 face="Times New Roman">By:</font></p> </td>
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<td width="6%" valign=top> <p><font size=2 face="Times New Roman">Name:</font></p> </td>
<td width="46%" colspan="2" valign=top> <p align=center><font size=1 face="Times New Roman"><b>Abdo H. Khoury</b></font></p> </td> </tr>
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<td width="6%" valign=top> <p><font size=2 face="Times New Roman">Title:</font></p> </td>
<td width="46%" colspan="2" valign=top> <p align=center><font size=1 face="Times New Roman"><b>Manager</b></font></p> </td> </tr>
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<td width="44%" valign=top> <p><font size=2 face="Times New Roman">LENDER:</font></p> </td> </tr>
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<td width="44%" valign=top> <p><font size=2 face="Times New Roman">RED MORTGAGE CAPITAL, INC.,<br> an Ohio corporation, formerly known<br> as Provident Mortgage Capital, Inc., successor-in-<br> interest to Banc One Capital Funding
Corporation</font></p> </td> </tr>
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