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200509731 This Rider Amends The Loan Agreement/Promissory Note Entered Into On Date Below A2reed Rate Reduction Rider Borrower(s) (Name and mailing address) Lender (Name, address, city and state) Account No. DEBORA L ENCINGER CITIFINANCIAL, INC. (MO) 206110 JAMES A ENCINGER 3003 W 16TH ST 2014 N LAWRENCE LANE Date of Loan GRAND ISLAND NE 68803 GRAND ISLAND NE 68803 09/29/2005 Borrower has agreed to pay the rate of interest set forth in the Note (the "Note Rate") until the full amount of principal has been paid. However, if on anyone of the second, third or fourth anniversaries of the scheduled due date of the first full installment payment due date under the Note (each, an "Anniversary Date") Borrower has demonstrated a Good Payment History, Lender agrees to decrease the Note Rate to 9 .43 %. Borrower will be deemed to have demonstrated a "Good Payment History" if Borrower: (a) has made each of the most recent 24 consecutive monthly payments under the Note before the date the next payment was due; (b) has never been late by 91 days or more in making any monthly payments due under the Note; (c) neither Borrower nor Co-Borrower has filed petitions in bankruptcy during the term of the loan; and (d) no provision of the Note has been modified prior to the Anniversary Date. Modifications to the Note include deferment of a scheduled payment, legal action with respect to enforcement of the Note or the Mortgage, and an adjustment of the loan terms. If Borrower demonstrates a Good Payment History, the new Note Rate will take effect one month after the earliest Anniversary Date on which Borrower has demonstrated a Good Payment History ("Rate Reduction Date"). Beginning with Borrower's first monthly payment after the Rate Reduction Date, Borrower will pay the new amount as the monthly payment until the Maturity Date. Lender will decrease Borrower's Note Rate only one time during the term of the loan, provided Borrower demonstrates a Good Payment History on anyone of the second, third, or fourth Anniversary Dates. BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this Agreed Rate Reduction Rider. ~d? Borrower ~ ,2 fA. 1-\1I~ I"'!- co~~ower r~)r- 05 r;~7~ . 9-~CJ'~()5 Date Date (New/Renewal) 21101-5 10/2003 original (Branch) Copy (Cus tamer)