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TERMS & CONDITIONS:

By choosing to extend a payment, you agree to the terms and conditions and that you are requesting UBank to extend your monthly payment by one month and advance the due date of your regular monthly payment by one month. There is a $ 50.00 processing fee for this service and interest will continue to accrue on your loan during the extended payment period and due on the next scheduled payment. Your payments will revert to the original payment schedule following the extended payment period and the maturity date on the loan will be extended by one month. If your monthly payment is generated through automatic transfer payment from another financial institution or through a bill payment service, you are responsible for stopping the payment you are extending.

This agreement does not in any way, satisfy or cancel the original obligation. Except as specifically amended by this agreement, all other terms of the original obligation remain in effect. This means and includes, but is not limited to:
(1) Property which secures the original obligation will continue to secure my total responsibility to pay you as amended by this agreement.
(2) All parties who have a responsibility to pay you in any way the original obligation (including any co-makers, endorsers and guarantors) remain responsible for the total amount I owe you as amended by this agreement. If you require the consent to this extension by any additional party, I agree to obtain such consent, and this extension agreement will not be effective if the consent is not obtained.
(3) Any post-maturity interest rate provided for in the original obligation (except as specifically contracted for here) shall now begin to apply after the last scheduled payment of the original obligation as amended by this agreement.
(4) You will not be responsible to further extend the payments affected by this agreement or any other scheduled payments. All other scheduled payments not affected by this agreement shall remain due as previously scheduled.
(5) All provisions for default, remedies, attorneys' fees (if any) etc. remain in effect.
(6) My responsibility (if any) to provide insurance on the property which secures the original obligation (if any) shall remain in effect.
(7) The term of any Credit Life and/or Disability Insurance coverages purchased in connection with the original obligation will not be extended for the additional term provided for in this agreement.