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201402718 <br />Severability <br />38. If any provision of this Trust will be held invalid or be prohibited by the Applicable <br />Law, such provision will not invalidate the remaining provisions of this Trust and such <br />provisions of the Trust will be amended or deleted as necessary to comply with the <br />Applicable Law. <br />39. Nothing contained in this Trust will require the Trustor to pay or for the Beneficiary to <br />accept interest in an amount greater than that allowed by Applicable Law. If the payment <br />of interest or other amounts under this Trust would otherwise exceed the maximum <br />amount allowed under Applicable Law or violate any law as to disclosure or calculation <br />of interest charges, then the Trustor's obligations to pay interest or other charges will be <br />reduced or amended to the maximum rate or amount permitted under Applicable Law. <br />Joint Signatures <br />40. If the Trustor is more than one person or legal entity, each person or legal entity who <br />signs it will be jointly and severally bound to comply with all covenants and obligations <br />of the Trustor and the said covenants and obligations will bind all of the Trustor's <br />successors and permitted assigns. The Trust will enure to the benefit of the Beneficiary <br />and the Beneficiary's successors and assigns. <br />Statutory Covenants <br />41. The covenants contained in this Trust are additional and supplemental, to the extent <br />permitted by law, the covenants set out in the Applicable Law regarding trusts. <br />Substitute Trustee <br />42. The Beneficiary may, at its option, from time to time appoint a new Trustee by an <br />instrument executed and acknowledged by the Trustor and recorded in the office of the <br />Recorder of the county in which the Property is located. The instrument will contain the <br />name of the original Beneficiary, Trustee, and Trustor, the book and page where the <br />Trust is recorded and the name and address of successor trustee. The sucessor trustee <br />will succeed to all the title, powers, and duties conferred upon the Trustee. <br />Initials: <br />