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200600880 OHIO ON-TIME PROGRAM ARM RIDER TO THE "SECURITY INSTRUMENT" THIS OHIO ON-TIME PROGRAM RIDER (the "Rider") is made this 26th day of January, 2006 , and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument") dated the same date as this Rider given by the undersigned (the "Borrower") to secure Borrower's Adjustable Rate Note (the "Note") to HOMESTEAD IDR'mAGE, INC. (the "Lender") covering the Property described in the Security Instrument and located at: 1009 W SCXJTH FRONl', GRAND ISLAND, NE 68801 [Property Address] ADDITIONAL COVENANTS. In addition to the covenants and agreements made in this Security Instrument, Borrower and Lender further covenant and agree as follows: 1. OHIO ON-TIME PROGRAM MARGIN PERCENTAGE REDUCTION As set forth in Section 4 of the Note, Borrower has agreed to future interest rate and monthly payment amount changes. Prior to each Change Date, changes in the rate of interest Borrower agrees to pay are determined by adding a specified percentage (the "Margin") to the Current Index, and rounding the calculation to the nearest one-eighth of one percentage point (the "Note Rate"). 1.1 If borrower has a 1 to 1 Adjustable Rate Mortgage (ARM) Loan and if at the time of the Calculation of Changes in accordance with either the second, third or fourth Change Date of the Note (each being a "Margin Reduction Date") Borrower has demonstrated a Good Payment History, as defined below, Lender will decrease the Margin on the Note by two (2.00) percentage points and the Note Rate will be adjusted pursuant to Section 4 of the Note using the Current Index. The new Margin will take effect as of the Margin Reduction Date on which Borrower has demonstrated a Good Payment History. The new Margin will be used in determining all future interest rates and monthly payment amounts as set forth in Section 4 of the Note. LOAN NUMBER: 5997753 On-Time Program ARM Rider to the Security Instruments Ohio Savings Bank Page 1 of3 MIN: 100162500059977539 WSL145 06/03 80116MU 11/01 (Rev. 06/03) 1111111111111111111111111111 ';l~.