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ENVIRONMENTAL RIDER 200110199 <br />THIS ENVIRONMENTAL RIDER is made this 1,;t day of <br />October 2001 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 <br />the same date given by the undersigned (the 'Borrower ") to secure Borrower's note <br />to Wendell L. Faeh and Nancy G. Faeh to <br />Pinnacle Bank (the "Lender ") <br />of the same date and covering the property described in the Security Instrument. <br />ADDITIONAL REPRESENTATIONS AND WARRANTIES. In addition to the repre- <br />sentations and warranties made in the Security Instrument, Borrower further certifies that it <br />has exercised due diligence to ascertain whether the premises or any site within the vicinity <br />of the premises is or has been affected by the presence of asbestos, radon, lead, hazardous or <br />nuclear waste, toxic substances, or other pollutants or hazardous wastes or materials that <br />could be a detriment to the premises or its value. Borrower further certifies that it has <br />exercised due diligence to ascertain whether the premises or any operation thereon violates <br />any local, state or federal laws, regulations or standards. <br />INDEMNIFICATIONS AND HOLD HARMLESS AGREEMENT <br />1. Borrower, its successors and assigns and Borrower's guarantors (collectively referred to in <br />this Paragraph 1 as "Borrower ") agree to defend, indemnify and hold harmless Lender, its <br />directors, officers, employees, agents, contractors, sub - contractors, licensees, invitees, <br />successors and assigns (collectively referred to in this Paragraph 1 as "Lender "), from and <br />against any and all claims, demands judgements, damages, actions, causes of action, injuries, <br />administrative orders, consent agreement and orders, liabilities, penalties, costs, and <br />expenses of any kind whatsoever, including claims arising out of loss of life, injury to <br />persons, property, or business or damage to natural resources in connection with activities of <br />Borrower, its predecessors in interest, third parties who have trespassed on the Premises, or <br />parties in a contractual relationship with Borrower, or any of theirs, whether or not <br />occasioned wholly or in part by any condition, accident or event caused by any act or <br />omission of Lender, which: <br />(A) Arises out of the actual, alleged or threatened discharge, dispersal, release, storage, <br />treatment, generation, disposal or escape of pollutants or other toxic or hazardous <br />substances, including any solid, liquid, gaseous or thermal irritant or contaminant, <br />including smoke, vapor, soot, fumes, acids, alkalis, chemicals and wastes (including <br />materials to be recyled, reconditioned or reclaimed); or <br />(B) Actually or allegedly arises out of the use, specification, or inclusion of any product, <br />material or process containing chemicals, the failure to detect the existence or proportion <br />of chemicals in the soil, air, surface water or groundwater, or the performance of failure <br />to perform the abatement of any pollution source or the replacement or removal of any <br />soil, water, surface water, or groundwater containing chemicals. <br />2. The Borrower, its successors and assigns, shall bear, pay and discharge when and as the <br />same become due and payable, any and all such judgements or claims for damages, penalties <br />or otherwise against Lender described in Paragraph 1, and shall hold Lender harmless for <br />those judgements or claims and shall assume the burden and expense of defending all suits, <br />administrative proceedings, and negotiations of any description with any and all persons, <br />political subdivisions or government agencies arising out of any of the occurrences set forth <br />in Paragraph 1. <br />BY SIGNING BELOW, Borrower accepts and a <br />this Environmental Rider. <br />Wende 1 <br />to the terms and covenants contained in <br />Faeh <br />Nancy G. Faeh <br />(Seal) <br />Borrower <br />(Seal) <br />Borrower <br />(Seal) <br />Borrower <br />