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202403013 ninety (90) days from the date the notice is provided to Borrower, by which the modification must be completed. Borrower' s failure to complete the modification on or before the date specified in Lender' s notice may, at Lender' s option, result in acceleration of the sums secured by the Security Instrument, and entitles Lender, at its option, to avail itself of any remedies permitted by the Security Instrument, at law and/or in equity without further notice to or demand on Borrower. L. MISCELLANEOUS. 1. As used herein, whenever the context so requires, the neuter gender includes the feminine and/or the masculine, as the case may be, and the singular number includes the plural. 2. Borrower' s breach of any of the terms, conditions, covenants, warranties or agreements herein shall constitute a material breach of the Security Instrument and related Loan Documents, and an event of default thereunder entitling Lender to take any and all actions authorized by the Security Instrument and related Loan Documents, at law, and/or in equity. 3. Failure or delay to exercise any right or remedy by Lender shall not act as a waiver of any other right or remedy, nor shall any single or partial exercise of any right preclude any other or further exercise thereof. No waiver of any of the provisions in this Rider by Lender shall be deemed, or shall constitute, a waiver of any other provision herein, in the Security Instrument, and/or in the related Loan Documents, whether or not similar, nor shall any waiver constitute a continuing waiver. No waiver by Lender shall be binding unless executed in writing by Lender. All remedies shall be cumulative and nonexclusive. 4. If any provision of this Rider is held invalid, void, or unenforceable, the remaining provisions shall nevertheless continue in full force and effect. 5. This Rider shall be deemed to have been jointly drafted by the parties hereto, and no term or provision hereof shall be construed for or against either party. 6. By signing below, Borrower expressly agrees that he/she has read this entire Rider and fully understand each and every term, condition and provision herein. 7. This Rider, the Security Instrument, and related Loan Documents constitute the entire agreement between the parties and supersede all prior and contemporaneous agreements, representations, and understandings. No supplement, modification, or amendment shall be binding unless executed in writing by both parties, 8. To the extent any term, condition, provision or definition in this Rider is different than or inconsistent with any term, condition, provision or definition in the Security Instrument or related Loan Documents, the term, condition, provision or definition in this Rider shall supersede and govern the agreement, understanding and relationship between the parties hereto. (Seal) BETHUEL AGUIRRE CALDERON (Seal) -Borrower KENA GA : ° IELA MORALES -Borrower LOZANO Grand Bank Rider IDS, Inc. - 95729 Page 4 of 4 1 I'V i � r� 1 1111 111 IEI 1 1