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<br />200609003 <br /> <br />4. Affixation. Borrower covenants and agrees: <br />(a) to affix the Manufactured Home to a permanent foundation on the Property; <br />(b) to comply with all Applicable law regarding the affixation of the Manufactured Home <br />to the Property; <br />(c) upon lender's request, to surrender the certificate of title to the Manufactured Home, if <br />surrender is permitted by Applicable law, and to obtain the requisite governmental <br />approval and documentation necessary to classify the Manufactured Home as real <br />property under Applicable law; <br />(d) that affixing the Manufactured Home to the Property does not violate any zoning laws or <br />other local requirements applicable to the Property; <br />(e) that the Manufactured Home will be, at all times and for all purposes, permanently affixed <br />to and part of the Property. <br /> <br />5. Charges; Liens. Section 4, Paragraph 1 of the Security Instrument is amended to add a new <br />third sentence to read: <br />Borrower shall promptly furnish to lender all notices of amounts to be paid under this <br />paragraph and receipts evidencing the payments. <br /> <br />6. Property Insurance. Section 5, Paragraph 1 of the Security Instrument is amended to add a <br />new second sentence to read: <br />Whenever the Manufactured Home is transported on the highway, Borrower must <br />have trip insurance. <br /> <br />7. Notices. The second sentence of Section 15 of the Security Instrument is amended by <br />inserting the words "unless otherwise required by law" at the end. <br /> <br />8. Additional Events of Default. Borrower will be in default under the Security Instrument: <br />(a) if any structure on the Property, including the Manufactured Home, shall be removed, <br />demolished, or substantially altered; <br />(b) if Borrower fails to comply with any requirement of Applicable law (lender, however, <br />may comply and add the expense to the principal balance Borrower owes to lender); or <br />(c) if Borrower grants or permits any lien on the Property other than lender's lien, or liens for <br />taxes and assessments that are not yet due and payable. <br /> <br />9. Notice of Default. If required by Applicable law, before using a remedy, lender will send <br />Borrower any notice required by law, and wait for any cure period that the law may require <br />for that remedy. <br /> <br />10. Additional Rights of lender in Event of Foreclosure and Sale. In addition to those rights <br />granted in the Note and Security Instrument, lender shall have the following rights in the <br />event lender commences proceedings for the foreclosure and sale of the Property. <br />(a) At lender's option, to the extent permitted by Applicable law, lender may elect to treat <br />the Manufactured Home as personal property ("Personal Property Collateral"). lender <br />may repossess peacefully from the place where the Personal Property Collateral is located <br />without Borrower's permission. lender also may require Borrower to make the Personal <br />Property Collateral available to lender at a place lender designates that is reasonably <br />convenient to lender and Borrower. At lender's option, to the extent permitted by <br />Applicable law, lender may detach and remove Personal Property Collateral from the <br />Property, or lender may take possession of it and leave it on the Property. Borrower <br />agrees to cooperate with lender if lender exercises these rights. <br /> <br />Page 2 of 3 Initial:~ <br />NMFL # 7109 (MA HRl Rev 02/06 <br />