This is one of those moments where I pull out my "I told you so" about backing up your i Phone or i Pad before making any major software changes to your device.
It is oftentimes used when restoring an i Phone or i Pad back to its factory settings.
Unfortunately, to proceed, i Tunes have to download i OS 10 which is about 2GB.
It seems that Apple's servers are overloaded and i Tunes says it will take about 24 hours to complete the download (or even more).
You must enter your passcode on the i Pad before it can be used with i Tunes." And i Pad still doesn't allow me to enter passcode.
I also turned off "find my ipad" feature and cannot erase i Pad with i Cloud. I followed the official instructions, entered the recovery mode and began the restore/update process.