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200010598
<br />SPECIAL PROVISION RIDER
<br />This Special Provision Rider amends, supplements and to the extent of any conflict supersedes the Deed of Trust, Mortgage
<br />or Security Deed (the "Security Instrument ") given by the undersigned (herein "Borrower ") to Uni on PI anters Bank ,
<br />National Association (herein "Lender ") and covering the property located at:
<br />12651 South 70th Road,Doniphan,NE 68832
<br />(Property Address)
<br />In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and
<br />agree as follows:
<br />A. Borrower represents that he /she is an adult, mentally competent, and has full legal capacity to execute all loan documents without
<br />having to obtain the consent or approval of any court or person. Borrower represents that he /she can read English language and has
<br />had opportunity to read all loan documents and to discuss the documents with persons of his /her choice including his /her own lawyer.
<br />Borrower represents that he /she is not relying on any statements, representations, or comments made by or attributable to Lender or its
<br />agents; and Borrower agrees that the terms of the written loan documents shall not be modified except by written document signed by
<br />the parry to be bound. Borrower agrees that the relationship between the parties as to the loan and all transactions arising from or
<br />related to the loan is that of debtor and creditor. Borrower agrees that neither party intends this loan now or in the future to ever be a
<br />joint venture or partnership.
<br />B. The Lender may require an escrow account for the payment of taxes, insurance, and other matters. The Lender may
<br />not charge Borrower for escrow services, unless Lender pays Borrower interest on the Funds. However, Lender may
<br />require Borrower to pay a one -time charge for a real estate tax reporting service used by Lender in connection with this
<br />loan, unless applicable law provides otherwise. Unless a written agreement is made or applicable law requires interest
<br />to be paid, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower agrees that
<br />all escrow accounts are for the limited purpose of providing funds from which Lender may pay the costs of matters
<br />required to be paid by Borrower as part of the loan. Lender shall have a security interest in all escrow funds and may
<br />apply the escrow funds to the loan. Lender shall have no fiduciary duty with regard to any escrow account. By way of
<br />illustration and not by limitation, the Lender shall have no duty to pay any item for which funds are escrowed, no duty
<br />to inquire as to any bill presented for payment, no duty to contest any tax assessment, and duty to procure any
<br />insurance. If Borrower fails to fulfill any loan requirement, then Borrower shall have breached the loan agreement and
<br />shall be in default; and without curing the default Lender may fulfill the requirement and charge Borrower's loan for all
<br />costs and may use any or all of the escrow funds and all costs shall be immediately due and payable by Borrower
<br />including replacement of any escrow funds used. If Lender elects to fulfill a loan requirement, then Lender shall have
<br />no duty to act for Borrower's benefit, no duty to shop for product or price, but to the contrary may deal with itself or
<br />any affiliated person, may receive fees, commissions, or other compensation, and may act in Lender's interest only or
<br />for the interest of both Borrower and Lender. Borrower agrees that Lender's interest includes the full value of the
<br />collateral and not just the amount of the debt. Any waiver by Lender of the required escrow deposits may be revoked
<br />by Lender at its sole discretion upon notice to Borrower.
<br />C. The Lender may collect fees for all loan services including but not limited to recording, copying, assumptions,
<br />modifications, partial releases, fax transmission services, any other fees or charges permitted by the Government -
<br />sponsored agencies, FHA, VA, FNMA, FHLMC, or GNMA, and any fees disclosed in Lender's or Servicer's fee
<br />schedule which may change from time to time. The Security Instrument may be canceled in any manner permitted by
<br />applicable law and Lender may charge Borrower for all expenses of cancellation and may charge fees relating to the
<br />cancellation.
<br />D. In the event of transfer of properties described in the Security Instrument, whether the original Borrower is released
<br />from liability, in every case, the Lender may charge a transfer fee and any such action on the part of the Lender shall
<br />not in any manner be construed as releasing any person from liability for the payment of the indebtedness hereby
<br />secured unless such release is in writing and signed by Lender. The Borrower understands that the terms of this loan
<br />have been granted based upon current market conditions and his /her personal financial statements, as well as other
<br />matters considered relevant by the Lender. Accordingly, in addition to the provisions of the Security Instrument,
<br />borrower agrees that is he /she sells, leases, or conveys the property described in the Security Instrument, which secures
<br />this loan, then the Lender may accelerate the entire indebtedness or at Lender's option may require (a) a change in the
<br />current Interest Rate, or (b) a change in (or removal of) the limit on the amount of any interest rate change (if there is a
<br />AP# 9830237802
<br />MLC 253 Special Provision Rider (09/29/00) Page I of 4 LN# 9830237802
<br />CM#
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