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200111535 <br />Loan No: FLAG- 998493100 <br />Parcel/Tax ID #: 400212757 <br />MORTGAGE INSURANCE RIDER <br />This Mortgage Insurance Rider is made this 31st day of October, 2001 , and is <br />incorporated into and shall be deemed to amend and supplement the mortgage, deed of trust, or security <br />deed (the "Security Instrument ") of the same date given by the undersigned ( "Borrower ") to secure <br />Borrower's Conventional Fixed Rate [identify type of note, e.g. fixed <br />rate] note (the "Note ") to <br />MORTGAGE EXPRESS, INC., a CORPORATION <br />( "Lender ") <br />of the same date and covering the property described in the Security Instrument and located at: <br />4612 DEVA DRIVE <br />GRAND ISLAND, NE 68801 <br />[Property Address] <br />The Security Instrument is amended by adding the following at the end of Section 10 (if the Security <br />Instrument has a form date at the lower left corner of 3/99 or later) or Section 8 (if the Security <br />Instrument has a form date at the lower left corner that is earlier than 3/99): <br />Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses <br />it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the <br />Mortgage Insurance. <br />Mortgage Insurers evaluate their total risk on all such insurance in force from time to time, and <br />may enter into agreements with other parties that share or modify their risk, or reduce losses. <br />These agreements are on terms and conditions that are satisfactory to the mortgage insurer and <br />MULTISTATE MORTGAGE INSURANCE RIDER - Single Family - Fannie Mae Uniform Instrument <br />Form 3160 4 /00 <br />Laser Forms Inc. 4/ 7 d( 00) 446 -3555 lol <br />LFI# FNMA3160 4/00 Page 1 Of 2 Initials: <br />