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<br />Borrower to modify such term(s) or provision(s), as applicable. If Lender exercises this option, Lender will
<br />give notice to Borrower specifying the action required to modify the applicable term(s) or provision(s), and
<br />a date, not less than ninety (90) days from the date the notice is provided to Borrower, by which the
<br />modification must be completed. Borrower's failure to complete the modification on or before the date
<br />specified in Lender's notice may, at Lender's option, result in acceleration of the sums secured by the
<br />Security Instrument, and entitles Lender, at its option, to avail itself of any remedies permitted by the
<br />Security Instrument, at law and/or in equity without further notice to or demand on Borrower.
<br />L. MISCELLANEOUS.
<br />1. As used herein, whenever the context so requires, the neuter gender includes the feminine
<br />and/or the masculine, as the case may be, and the singular number includes the plural.
<br />2. Borrower's breach of any of the terms, conditions, covenants, warranties or agreements herein
<br />shall constitute a material breach of the Security Instrument and related Loan Documents, and an event of
<br />default thereunder entitling Lender to take any and all actions authorized by the Security Instrument and
<br />related Loan Documents, at law, and/or in equity.
<br />3. Failure or delay to exercise any right or remedy by Lender shall not act as a waiver of any
<br />other right or remedy, nor shall any single or partial exercise of any right preclude any other or further
<br />exercise thereof. No waiver of any of the provisions in this Rider by Lender shall be deemed, or shall
<br />constitute, a waiver of any other provision herein, in the Security Instrument, and/or in the related Loan
<br />Documents, whether or not similar, nor shall any waiver constitute a continuing waiver. No waiver by
<br />Lender shall be binding unless executed in writing by Lender. All remedies shall be cumulative and
<br />nonexclusive.
<br />4. If any provision of this Rider is held invalid, void, or unenforceable, the remaining
<br />provisions shall nevertheless continue in full force and effect.
<br />5. This Rider shall be deemed to have been jointly drafted by the parties hereto, and no term
<br />or provision hereof shall be construed for or against either party.
<br />6. By signing below, Borrower expressly agrees that he/she has read this entire Rider and
<br />fully understand each and every term, condition and provision herein.
<br />7. This Rider, the Security Instrument, and related Loan Documents constitute the entire
<br />agreement between the parties and supersede all prior and contemporaneous agreements, representations, and
<br />understandings. No supplement, modification, or amendment shall be binding unless executed in writing by
<br />both parties.
<br />8. To the extent any term, condition, provision or definition in this Rider is different than or
<br />inconsistent with any term, condition, provision or definition in the Security Instrument or related Loan
<br />Documents, the term, condition, provision or definition in this Rider shall supersede and govern the
<br />agreement, understanding and relationship between the parties hereto.
<br />Rider to Deed of Trust
<br />Initials: Q _-(Y)
<br />RIDER TO DEED OF TRUST
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