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9. This Mortgage shall run with the aforesaid real estate and shall inure to the benefit of and be binding <br />upon the parties hereto and their respective heirs, executors, representatives, successors, and assigns. <br />10. Any forbearance by the HRA in exercising any right or remedy shall not be a waiver of or preclude <br />the exercise of any right or remedy. <br />11. This Mortgage shall be governed by the law of the state of Minnesota. In the event that any provision <br />or clause of this Mortgage conflicts with applicable law, such conflict shall not affect other <br />provisions of this Mortgage which can be given effect without the conflicting provision. To this <br />end, the provisions of this Mortgage are declared to be severable. <br />12. This Agreement may be executed in any number of counterparts, each of which shall constitute one <br />and the same instrument. <br />In witness whereof the Owner has duly executed this Rehabilitation Program Mortgage and Repayment <br />Agreement. <br />Kristen R. Sandhoefner <br />STATE OF MINNESOTA) <br />)ss. <br />COUNTY OF ( ) <br />The foregoing instrument was acknowledged before me this=yAday of %Ueh , 20_a, by <br />Scot M. Sandhoefner and Kristen R. Sandhoefner, owner and mortgagor. <br />No Public <br />RENEE S. MORRIS <br />WrARY PUBW • MWNE80TA <br />My Cm A*ft60tJNL31.2M2 <br />�ghecbv�cne> <br />S-3 <br />