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200213571 <br />BIWEEKLY PAYMENT RIDER <br />(Fixed Rate) <br />THIS BIWEEKLY PAYMENT RIDER is made this 2nd day of December, 2002 , <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or <br />Security Deed (the "Security Instrument") of the same date given by the undersigned ( "Borrower ") to <br />secure Borrower's Note (the "Note ") to Commercial Federal Bank <br />( "Lender ") of the same daze and covering the property described in the Security Instrument and located at: <br />1104 E PHOENIX, Grand Island, HE 68801 <br />[Property Address] <br />ADDITIONAL 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. BIWEEKLY PAYMENTS <br />The Note provides for Borrower's biweekly loan payments, and the termination of Borrower's right <br />to make the Biweekly Payments, as follows: <br />3. PAYMENTS <br />(A) Time and Place of Payments <br />I will pay principal and interest by making a payment every 14 days (the "Biweekly Payments "), <br />beginning on January 01, 2003 . I will make the Biweekly Payments every 14 days <br />until I have paid all of the principal and interest and any other charges described below that I may owe <br />under this Note. My biweekly or any monthly payments will be applied to interest before Principal. <br />17272328 <br />MULTISTATE BIWEEKLY PAYMENT RIDER (Fixed Rate)- Single Family - Fannie Mae Uniform Instrument <br />886R(0005).01 Form 3A 1101 <br />Page 1 of 4 Initials:` <br />VMP MORTGAGE FORMS - (800)521 - 1291, <br />17272328 <br />