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profits derived from the Property without any showing as to the inadequacy of the Property as <br />security. <br />If the Rents of the Property are not sufficient to cover the costs of taking control of and managing <br />the Property and of collecting the Rents any funds expended by Lender for such purposes shall <br />become indebtedness of Borrower to Lender secured by the Security Instrument pursuant to Section 9. <br />Borrower represents and warrants that Borrower has not executed any prior assignment of the <br />Rents and has not performed and will not perform, any act that would prevent Lender from exercising <br />its rights under this paragraph. <br />Lender, or Lender's agents or a judicially appointed receiver, shall not be required to enter upon, <br />take control of or maintain the Property before or after giving notice of default to Borrower. <br />However, Lender, or Lender's agents or a judicially appointed receiver, may do so at any time when <br />a default occurs. Any application of Rents shall not cure or waive any default or invalidate any other <br />right or remedy of Lender. This assignment of Rents of the Property shall terminate when all the <br />sums secured by the Security Instrument are paid in full. <br />I. CROSS DEFAULT PROVISION. Borrower's default or breach under any note or agreement <br />in which Lender has an interest shall be a breach under the Security Instrument and Lender may <br />invoke any of the remedies permitted by the Security Instrument. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this 1 -4 <br />Family Rider. <br />Edward R Chmiel <br />(Seal) (Seal) <br />- Borrower - Borrower <br />Mi <br />ti M Chmiel <br />Loan Origination Company & NMLS Id: Charter West National Bank - 466077 <br />Loan Originator & NMLS Id.: Roberta L Reed - 491146 <br />MULTISTATE 1-4 FAMILY RIDER - Fannie MaelFreddie Mac Uniform Instrument <br />Form 3170 1/01 <br />Laser Forms Inc. (800) 446 -3555 <br />LF1 #FNMA31701/01 Page 3 of 3 <br />201502796 <br />a1) (Seal) <br />- Borrower - Borrower <br />