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<br />200900036 <br /> <br />In consideration of the mutual promises and agreement exchanged, the parties <br />hereto agree as follows (not witstanding anything to the contrary in the Loan <br />Documents). <br /> <br />1. As of November 1, 2008 , the amount payable under the combined <br />Loan Documents in U.S. $79,704.52 (the "Unpaid Principal Balance") <br />consisting of the amount(s) loaned to the Borrower by the Lender and any <br />interest capitalized to date. <br /> <br />2. The maturity Date of the above referenced Note has been amended from <br />February 1, 2036 to July 1,2045 ("Maturity <br />Date"). <br /> <br />3. The Borrower promises to pay the Unpaid Principal Balance, plus interest, to <br />the order of the Lender. Interest will be charged on the Unpaid Principal <br />Balance at the yearly rate of 8.000% from November 1, 2008 <br /> <br />4. The Borrower promises to pay the Unpaid Principal Balance, plus interest, to <br />the order of the Lender. The Borrower promises to make monthly payments of <br />principal and interest as specified below: <br /> <br />(a) Monthly payments of $561.54 <br />from December I, 2008 <br />July 1, 2045 <br />If on the Maturity Date, the Borrower still owes amounts under the <br />Loan Documents as amended by this agreement, the borrower will <br />pay such amounts in full on the Maturity Date. <br /> <br />for the payments due <br />through and including <br /> <br />The Borrower will make such payments at: M&T Bank <br />P.O. Box 62182, Baltimore, MD 21264 <br /> <br />or at such place as the Lender may require. <br /> <br />5. If all or any part of the Property or any interest in it is sold or transferred <br />(or if a beneficial interest in the Borrower is sold or transferred and the Borrower <br />not a natural person) without the Lender's prior written consent, the Lender may, <br />at its option, require immediate payment in full of all sums secured by the Loan <br />Documents. If the Lender exercised this option, the Lender shall give the <br />Borrower notice of acceleration. The notice shall provide a period of not less <br />than 30 days from the date the notice is delivered or mailed within which the <br />Borrower must pay all sums secured by the Loan Documents. If the Borrower <br /> <br />initial:IUJI <br /> <br />! - <br />