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200213104 <br />1 -4 FAMILY RIDER Loan Number 16600057 <br />(Assignment of Rents) <br />THIS 1 -4 FAMILY RIDER is made this 18TH day of NOVEMBER, 2002, and is incorporated into <br />and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the <br />"Security Instrument ") of the same date given by the undersigned (the "Borrower ") to secure Borrower's <br />Note to CHERRY CREEK MORTGAGE CO., INC. (the "Lender ") of the same date and covering the <br />Propery described in the Security Instrument and located at: <br />620 NORTH GUNBARREL, GRAND ISLAND, NEBRASKA 68801 <br />[Property Address] <br />1 -4 FAMILY COVENANTS. In addition to the covenants and agreements made in the Security <br />Instrument, Borrower and Lender further covenant and agree as follows: <br />A. ADDITIONAL PROPERTY SUBJECT TO THE SECURITY INSTRUMENT. In addition to <br />the Property described in the Security Instrument, the following items now or hereafter attached to <br />the Property to the extent they are fixtures are added to the Property description, and shall also <br />constitute the Property covered by the Security Instrument: building materials, appliances and <br />goods of every nature whatsoever now or hereafter located in, on, or used, or intended to be used <br />in connection with the Property, including, but not limited to, those for the purposes of supplying <br />or distributing heating, cooling, electricity, gas, water, air and light, fire prevention and <br />extinguishing apparatus, security and access control apparatus, plumbing, bath tubs, water heaters, <br />water closets, sinks, ranges, stoves, refrigerators, dishwashers, disposals, washers, dryers, <br />awnings, storm windows, storm doors, screens, blinds, shades, curtains and curtain rods, attached <br />mirrors, cabinets, paneling and attached floor coverings, all of which, including replacements and <br />additions thereto, shall be deemed to be and remain a part of the Property covered by the Security <br />Instrument. All of the foregoing together with the Property described in the Security Instrument <br />(or the leasehold estate if the Security Instrument is on a leasehold) are referred to in this 1 -4 <br />Family Rider and the Security Instrument as the "Property." <br />B. USE OF PROPERTY; COMPLIANCE WITH LAW. Borrower shall not seek, agree to or <br />make a change in the use of the Property or its zoning classification, unless Lender has agreed in <br />writing to the change. Borrower shall comply with all laws, ordinances, regulations and <br />requirements of any governmental body applicable to the Property. <br />C. SUBORDINATE LIENS. Except as permitted by federal law, Borrower shall not allow any <br />lien inferior to the Security Instrument to be perfected against the Property without Lender's prior <br />written permission. <br />D. RENT LOSS INSURANCE. Borrower shall maintain insurance against rent loss in addition <br />to the other hazards for which insurance is required by Section 5. <br />E. "BORROWER'S RIGHT TO REINSTATE" DELETED. Section 19 is deleted. <br />F. Section Deleted. <br />G. ASSIGNMENT OF LEASES. Upon Lender's request after default, Borrower shall assign to <br />Lender all leases of the Property and all security deposits made in connection with leases of the <br />Property. Upon the assignment, Lender shall have the right to modify, extend or terminate the <br />existing leases and to execute new leases, in Lender's sole discretion. As used in this paragraph <br />G, the word "lease" shall mean "sublease" if the Security Instrument is on a leasehold. <br />Borrower Initials -"e l/? . <br />MULTISTATE 14 FAMILY RIDER— Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3170 1/01 (page I of 3 pages) <br />