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200410321 <br />Loan No: 0047182795 <br />By signing below, Borrower accepts and agrees to the terms and covenants contained in this <br />Construction Loan Rider to Security Instrument and Security Agreement. <br />(Seal) <br />J, ON T. RITCHIE - Borrower <br />(Seal) <br />LAURI X. RITCHIE - Borrower <br />Debtor's Mailing Address: <br />803 REDWOOD ROAD, GRAND ISLAND, NEBRASKA 68803 <br />Page 7 of 7 SMSNDC /0000 /RR080003 <br />