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200109094 <br />NON -OWNER OCCUPANCY RIDER <br />THIS NON -OWNER OCCUPANCY RIDER is made this 31st day of August. 2001 <br />, and is incorporated into and shall be deemed to amend and <br />supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument ") of the same date <br />given by the undersigned (the "Borrower ") to secure Borrower's Note to Heritage Bank, 110 East 9th Street, <br />P.O. Box 487, Wood River, NE 68883 <br />(the "Lender ") <br />of the same date, and covering the Property described in the Security Instrument and located at: <br />212 S Elm, Grand Island, NE 68801 <br />[Property Address] <br />In modification of and notwithstanding the provisions of Section 6 of the Security Instrument, <br />Borrower represents that (s)he does not intend to occupy the property described in the Security Instrument <br />as a principal residence. <br />BY SIGNING BELOW, Borrower agrees to the representations contained in this Non -Owner Occupancy <br />Rider. <br />(SEAL) <br />Donald E.-13rewer Borrower <br />Beverly J. Brewer <br />(SEAL) <br />Borrower <br />Bankers Systems, Inc., St. Cloud, MN Form NOO -R 8/24/2000 (page 1 of 1) <br />