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8. OBLiG~'tIONS OF PERSONS UNUER THIS NOTE
if more than one person signs this Note, each person is fully and personally obligated to keep all of the promi.cs
made in this Not~, including the promise to pay the full amuunt owed. Any pe~son who is a guarantor, surety ur cndo~ser ~
of this Note is also obligattd to do these things. Any person who takes over these obligations, inrluding ~he ubligatiuns uta i
guarantor, surety or endorser of this Note~ is also obligated to kap all of tho promises made in this Note. The Nate Holder
may enforce its rights under this Note against each person individually or agsinst all of us together. This means that any
one of us may be rcquired to pay all of the amounts owed under this Noie.
9. WAIVERS ~ ~
1 and any other pecson who has obligations under this Note waive the rights of presentment and notice of dishonor. !
"Presentment" means the right to roquire the Note Holder to demand payment of amounts due. "Notice ot dishonor"
means the right to rcquire the Note Holder to give notice to other persons that amounts due havc not been paid.
10. UNIFORM SECURED NOTE ;
This Note is a uniform instrument with limitod variations in some jurisdictions. In addition to the protections given
to the Note Holder under this Note. a Mortgage. Do~d of Trust or Security Deed (!he "Security Instrument"), dated the ~
same date as this Note, protects tho Note Holder from pcusible losses which might result if I do not kcep the promises
which I make in this Note. That Socurity Instrumtnt describes how and under what conditions 1 may be reguired to make
immediate payment in full of al! amounts I owe under this Note. Some of those conditions are described as tollows:
Transfer oi the Property or a Beaeflcial Iaterest in Borrower, lf ail or any part of the Property or
any interest in it is sold or transferred (or if a beneficial intertst in Borrower is sold or transferred and
Borrower is not a natural person) without L.ender's prior written cortsent. L.ender may, at its option, require
immediatt payment in full of all sums secured by this Security Instrument. However. this option shalt not be j
exercised by I.ender if exercise is prohibited by federal Iaw as of the dat~ of this Security instrument. i
If Lender exercises this option. Lender shall give Borrower notic~ of acceleration. The notice shaU '
provide a period ot not less than 30 days from the date the notice is delivered or mailed within whirh ~
Borrower must pay all sums secured by this Socurity Instrument. If Borrower fails to pay these sums prior to '
the expiration of this period, L.ender may invoke any remcdia permitted by this Sccurity Instrument
without further notice or dcmand on Borrower.
W ITNESS THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED.
..lS/JOHN A. GALDYS ....................................................................(Seal)
JOEN A. GALDYS ~BOftOi~'
../S/MARIE L. GALDYS .(Seal)
MARIE L. GALDYS ~
. . . . . . ( Sea ! )
-8orrovrer
. ~~C2~~
•Borrower
~Sign Original On1yJ
Bo~K 674 P~~E 2a28
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