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20030'341 1 -4 FAMILY RIDER Keith Loan No.: 5PT30214 (Assignment of Rents) THIS 1 -4 FAMILY RIDER is made this 13th day of June, 2003 f 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 (the "Borrower ") to secure Borrower's Note to FIVE POINTS BANK (the "Lender ") of the same date and covering the Property described in the Security Instrument and located at: 923 W. 15th St. Grand Island, NE 68803 [Property Address] 1 -4 FAMILY COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. ADDITIONAL PROPERTY SUBJECT TO THE SECURITY INSTRUMENT. In addition to the Property described in Security Instrument, the following items now or hereafter attached to the Property to the extent they are fixtures are added to the Property description, and shall also constitute the Property covered by the Security Instrument: building materials, appliances and goods of every nature whatsoever now or hereafter located in, on, or used, or intended to be used in connection with the Property, including, but not limited to, those for the purposes of supplying or distributing heating, cooling, electricity, gas, water, air and light, fire prevention and extinguishing apparatus, security and access control apparatus, plumbing, bath tubs, water heaters, water closets, sinks, ranges, stoves, refrigerators, dishwashers, disposals, washers, dryers, awnings, storm windows, storm doors, screens, blinds, shades, curtains and curtain rods, attached mirrors, cabinets, paneling and attached floor coverings, all of which, including replacements and additions thereto, shall be deemed to be and remain a part of the Property covered by the Security Instrument. Al 1 of the foregoing together with the Property described in the Security Instrument (or the leasehold estate if the Security Instrument is on a leasehold) are referred to in this 1 -4 Family Rider and the Security Instrument as the "Property." MULTISTATE 1 -4 FAMILY RIDER -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3170 1 /01 Docux4Ai (page I of3 pages) D0CUR4AI.VTX 10/15/2002