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200111744 Loan No: FLAG - 998447214 Parcel/Tax ID #: 400061937 8r 400061953 MORTGAGE INSURANCE RIDER This Mortgage Insurance Rider is made this 7th day of November, 2001 , and is incorporated into and shall be deemed to amend and supplement the mortgage, deed of trust, or security deed (the "Security Instrument ") of the same date given by the undersigned ( "Borrower ") to secure Borrower's Conventional Fixed Rate [identify type of note, e.g. fixed rate] note (the "Note ") to MORTGAGE EXPRESS, INC., a CORPORATION ( "Lender ") of the same date and covering the property described in the Security Instrument and located at: 1419 POPLAR STREET GRAND ISLAND, NE 68801 [Property Address] The Security Instrument is amended by adding the following at the end of Section 10 (if the Security Instrument has a form date at the lower left corner of 3/99 or later) or Section 8 (if the Security Instrument has a form date at the lower left corner that is earlier than 3/99): Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage Insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and MULTISTATE MORTGAGE INSURANCE RIDER - Single Family - Fannie Mae Uniform Instrument Form 3160 4/00 Laser Forms Inc. (800) 446 -3555 LFI# FNMA3160 4/00 Page 1 of 2 Initial .