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200204381 Loan #: 002000208168 FIXED /ADJUSTABLE RAT UMPT N RIDER 19 th THIS ASSUMPTION RIDER is made this / 1 t of April 2002 , and is incorporated into and shall be deemed to amen and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument ") of the same date given by the undersigned person whether one or more, (the 'Borrower ") to secure Borrower's Note to Citibank. F.S.B. 12855 N. Outer 40 Drive Saint Louis MO 63141 (the "Lender ") of the same date and covering the property described in the Security Instrument and located at: 4234 Utah Ave Grand Island, NE 68803 -1001 (PROPERTY ADDRESS) ASSUMPTION COVENANTS. In addition to the convenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. ASSUMPTION. Any person purchasing the Property from Borrower may assume full liability to repay Borrower's Note to Lender under the terms and conditions set out in this Assumption Rider. B. AGREEMENT. Lender may require the Purchaser to sign an assumption agreement, in the form required by Lender, which obligates the Purchaser to keep all the promises and agreements made in the Note and Security Instrument. Borrower will continue to be obligated under the Note and Security Instrument unless Lender releases Borrower in writing. C. APPLICABILITY. Lender is bound by these conditions and terms, as follows: 1. Lender shall have no obligation to allow assumption by a purchaser from Borrower until the initial fixed interest rate payable on the Note changes to an adjustable rate; 2. This Assumption Rider applies only to the first transfer of the Property by Borrower and not to a foreclosure sale; 3. Purchaser must be an individual, not a partnership, corporation or other entity; 4. Purchaser must meet Lender's credit underwriting standards for the type of loan being assumed as if Lender were making a new loan to Purchaser; 5. Purchaser shall assume only the balance due on the Note at the time of assumption for the term remaining on the Note; 6. If applicable, Borrower's private mortgage insurance coverage must be transferred to the Purchaser in writing, unless waived by Lender; 7. If Borrower's Note has a conversion feature and Borrower has exercised the right of conversion of this loan to a fixed rate loan from Lender, this Assumption Rider is void and Lender has no obligation to allow assumption by a Purchaser from Borrower; and 8. Lender must reasonably determine that Lender's security will not be impaired by the loan assumption. MB -2117 Rev. 1/95 Page 1 of 2 CFI Version citi 1.0.0.25 02/11/2002