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RECORDING REQUESTED BY, AND WHEN RECORDED, MAIL TO: Finance America, LLC P.O. Box 16637 Irvine CA 92623 -6637 200505133 SPACE ABOVE THIS LINE FOR RECORDING DATA MFRS No. 100052300417873675 SUBORDINATE LIEN RIDER TO DEED OF TRUST (Nebraska) This Subordinate Lien Rider ( "Rider ") to Deed of Trust (the "Security Instrument ") is made this 3rd day of JUNE 2005 , and is incorporated into and shall be deemed to amend and supplement the terms of the Security Instrument of the same date given by the undersigned ( "Borrower ") to secure Borrower's Note to Finance America LLC (the "Lender ") of the same date and covering the property described in the Security Instrument and located at: 505 EAST 1ST STREET GRAND ISLAND, NE 68801 -7709 In the event of conflict between the terms of the Security Instrumentand this Rider, the terms of the Rider shall control. Section 4 of the Security Instrumentshall be amendedby deleting Section 4 in its entirety and replacing it with the following: 4. Prior Security Instruments; Charges; Liens. Borrower shall perform all of Borrower's obligations under any security instrument with a lien which has priority over the lien of this Security Instrument, including Borrower's covenants to make payments when due. Lender and Borrower each recognize that provisions in this Security Instrument and in any Riders giving Lender certain rights with respect to the Property and to the receipt of certain funds, including the right to receive payment of insurance proceeds, condemnation and other Miscellaneous Proceeds and the use and application of the proceeds, including the right to hold and disburse the proceeds, are subject to the terms of any security instrument with a lien which has priority over the lien of this Security Instrument. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are Escrow Items, Borrower shall pay them in the manner provided in Section 3 unless Borrower pays such items to the holder of a prior security instrument, if such holder is an institutional investor. Borrower shall promptly discharge any lien which has priority over this Security Instrument, other than any superior mortgage of record as of the date this Security Instrumentis recorded, unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner 1961263 10405) VMP Mortgage Solutions (600)521 -7281 Subordinate Lien Rider - Nebraska 1 BLNF LOAN ID: 0041787367