Name W,
This passage doesn't apply to members of the Association or the actual vote. It doesn't say that a members failure to vote is considered an affirmative. It's only talking about consent from the mortgagee (i.e. the bank)to change the documents if you followed the proper procedures to adopt the change.
Typically, only the member may vote. Since older mortgage notes required approval from the note holder for any changes to the governing documents, coupled with the fact that the note holders hardly ever responds to such requests, this passage was written to allow the Association to function. However, unless the governing documents specify that the note holder controls the vote (vs. the member) a vote is still required and a non-vote is just that, a non-vote.
To add bold to a section use the following:
Prior to the text to be bold (remove the spaces) < b >
After the text to be bold (remove the spaces) < / b >
To place a link in the document,
I use the info here. Or just do a google search for http link code
Tim