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0 1 1 I o WD, PAYMENT RIDER THIS PAYMENT RIDER is made this .17TH ............. day of MWAT4QD5...... ............. and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument ") of the same date given by the undersigned ( "the Borrower ") to secure Borrower's Note to ...STATE BANK OF RIVER.DALE, PO BOX 7 .RIYE...... NE, 68870.. ............................ ............................... ......................... ............................... of ................... ("the Lender") ) the same date and covering the property described in the Security Instrument and located at: 1014 NORTH BORAOWELL AVE., GRAND ISLAND, NE 68802 .............................................................................................. ............................... [Property Address] ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. PERIODIC PAYMENTS OF PRINCIPAL AND INTEREST The Note provides for periodic payments of principal and interest as follows: 3. PAYMENTS (A) Periodic Payments I will pay principal and interest by making periodic payments when scheduled: ❑ 1 will make .......................... payments of $ ......................... ............................... eachon the ......... ................................................................. ............................... ofeach ................................................................................... ............................... .............. beginning on . ............................... ® I .... will make payments as follows: 59 MONTHLY PAYMENTS OF $398.39 BEGINNING 09.07.2005. ® In addition to the payments described above, I will pay a "Balloon Payment" of $ 20,043;05 ...... on ,08;07;2010,,,,, ........... The Note Holder ............... ........... ............... will deliver or mail to me notice prior to maturity that the Balloon Payment is due. This notice will state the Balloon Payment amount and the date that it is due. (B) Maturity Date and Place of Payments I will make these payments as scheduled until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. My periodic payments will be applied to interest before Principal. If, on .08;07;2010,,, I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Date." will make my periodic payments at „z2? 3R0 AVE.,PO BOX 7, RIVERDALE, NE 68870 .......... ............................... ................................................................................................... ............................... ......................... ............................... or at a different place if required by the Note Holder. MULTIPURPOSE FIXED RATE PAYMENT RIDER (MULTISTATE) Bankers Systems, Inc., St. Cloud, MN Form MPFR -PR 6/15/2004 ref: MPFR -MN (page 1 of 2 pages)