The Addendum To Promissory Note Template is commonly used when parties need to modify an existing loan agreement without voiding or replacing the original document. This instrument is particularly relevant in situations where circumstances require adjustments to payment terms, interest rates, or other provisions of the original note. Under U.S. law, the addendum must be executed with the same formality as the original promissory note and clearly reference the original agreement. Common scenarios for using this document include loan modifications during financial hardship, interest rate adjustments, extension of maturity dates, or changes in payment schedules. The addendum must comply with both federal and state lending laws, ensuring that any modifications maintain the enforceability of the original note while properly documenting the agreed-upon changes.
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1. Original Note Reference: Clear identification of original promissory note, including date, parties, and principal amount
2. Purpose of Addendum: Statement explaining the reason for the addendum and its intended effect
3. Modifications: Detailed description of specific changes being made to the original note
4. Confirmation of Other Terms: Statement confirming that all other terms of the original note remain unchanged and in full force and effect
5. Execution: Signature block for all parties, dates, and notary section if required
1. Interest Rate Modification: Section detailing changes to interest rate terms, including new rate, calculation method, and effective date
2. Payment Schedule Modification: Section specifying changes to payment terms, including new payment amounts, dates, or frequency
3. Security Provisions: Section addressing any changes to collateral or security arrangements
4. Maturity Date Extension: Section specifying any extension to the note's maturity date and related terms
1. Schedule A - Revised Amortization Schedule: Updated payment schedule showing new payment amounts, dates, and allocation between principal and interest
2. Schedule B - Modified Collateral Description: Detailed description of any new or modified security or collateral arrangements
3. Schedule C - Interest Calculations: Detailed breakdown of new interest rate calculations and terms if modified
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