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200202238 <br />NON -OWNER OCCUPANCY RIDER <br />THIS NON -OWNER OCCUPANCY RIDER is made this 25th day of January. 2002 <br />, and is incorporated into and shall be deemed to amend and <br />supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument") of the same date <br />given by the undersigned (the "Borrower ") to secure Borrower's Note to Heritage Bank, 1333 North Webb <br />Road P.O. Box 5138 Grand Island, NE 68802 <br />(the "Lender ") <br />of the same date, and covering the Property described in the Security Instrument and located at: <br />916 W 6th St; 813 W 13th St, Grand Island, NE 68801 <br />[Proeerty Address] <br />In modification of and notwithstanding the provisions of Section 6 of the Security Instrument, <br />Borrower represents that (s)he does not intend to occupy the property described in the Security Instrument <br />as a principal residence. <br />BY SIGNING BELOW, Borrower agrees to the representations contained in this Non -Owner Occupancy <br />Rider. / <br />Verne L. Hill <br />Emma <br />(,SEAL) <br />Borrower <br />(SEAL) <br />Borrower <br />Bankers Systems, Inc., St Cloud, MN Form NOO -R 8124/2000 (page 1 0{ 1) <br />