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2 01406677 <br />VA Guaranteed Loan And Assumption Policy Rider <br />NOTICE: THIS LOAN IS NOT ASSUMABLE WITHOUT THE APPROVAL OF <br />THE DEPARTMENT OF VETERANS AFFAIRS OR ITS AUTHORIZED AGENT. <br />THIS VA GUARANTEED LOAN AND ASSUMPTION POLICY RIDER is made on October 20, 2014, and <br />is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Deed <br />to Secure Debt (herein "Security Instrument") dated of even date herewith, given by the undersigned <br />(herein `Borrower ") to secure Borrower's Note to Wells Fargo Bank, N.A. (herein "Lender ") and <br />covering the Property described in the Security Instrument and located at <br />604 HILLSIDE DR, CAIRO, NE 68824 <br />[Property Address] <br />VA Guaranteed Loan Covenant. In addition to the covenants and agreements made in the Security <br />Instrument, Borrower and Lender further covenant and agree as follows: <br />If the indebtedness secured hereby be guaranteed or insured under Title 38, United States Code, such <br />Title and Regulations issued thereunder and in effect on the date hereof shall govern the rights, duties <br />and liabilities of Borrower and Lender. Any provisions of the Security Instrument or other instruments <br />executed in connection with said indebtedness which are inconsistent with said Title or Regulations, <br />including, but not limited to, the provision for payment of any sum in connection with prepayment of <br />the secured indebtedness and the provision that the Lender may accelerate payment of the secured <br />indebtedness pursuant to Covenant 18 of the Security Instrument, are hereby amended or negated to the <br />extent necessary to conform such instruments to said Title or Regulations. <br />Late Charge. At Lender's option, Borrower will pay a "Late Charge" not exceeding four per centum <br />(4 %) of the overdue payment when paid more than fifteen (15) days after the due date thereof to cover <br />the extra expense involved in handling delinquent payments, but such "Late Charge" shall not be payable <br />HCFG -00782 <br />Veterans Affairs Guaranteed Loan and Assumption Policy Rider <br />VMPO <br />Wolters Kluwer Financial Services 0 1999, 2009 201410204.1.0.2815- J20140429Y <br />11 <br />i <br />12111 <br />Page 1 of 3 <br />