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[Check applicable box(es)] <br />❑ <br />Adjustable Rate Rider <br />❑ <br />Graduated Payment Rider <br />❑ <br />Balloon Rider <br />® <br />VA Rider <br />20000;x,484 <br />❑ Condominium Rider ❑ 1 -4 Family Rider <br />❑ Planned Unit Development Rider ❑ Biweekly Payment Rider <br />❑ Rate Improvement Rider ❑ Second Home Rider <br />® Other(s) [Specify] Mortgage Addendum <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any rider(s) <br />executed by Borrower and recorded with it. <br />Witnesses: <br />STATE OF Nebraska <br />COUNTY OF Hall <br />Borrower <br />Borrower <br />Borrower <br />[Space Below This Line For Acknowledgment] <br />i ss: <br />(Seal) <br />(Seal) <br />(Seal) <br />(Seal) <br />I, Sherri L O'Callaghan , a Notary Public in and for said county and state, do hereby <br />certify that James E Pederson an unmarried individual <br />personally appeared before me and is (are) known to me to be the person(s) who, being informed of the contents of the foregoing instrument <br />have executed same, and acknowledged said instrument to be his , free and voluntary act and deed and that he <br />(his, her, their) (he, she, they) <br />executed said instrument for the purposes and uses therein set forth. <br />Witness my hand and official seal this 29th day of March 1 2000 <br />My Commission Expires: September 28, 2003 <br />GENERAL NOTARY -State of Nebraska <br />14SHERRI L. O'CALLAGHAN <br />-11-6 My Comm. Exp. Sept. 28, 2003 <br />This instrument was prepared by: <br />F4009.LMG (11/99) Page 5 of 5 <br />(Seal) <br />Form 3028 9/90 <br />