Lender hereby waives all accrued and unpaid interest due under the the Note up to the date of this Modification and further waives the accrual of interest through and including December 31, 2017. Commencing January 1, 2018 and continuing thereafter until the Note is paid in full, the unpaid principal balance of the Note shall accrue interest at the fixed rate of 13 percent (13%) per annum, payable in arrears.