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s zoion��iw . ., � _ . a Mortgage Rider Lender Heritage Bank 1333 North We6h Raad P.O. Bax 513$ Grand Island, NE 68802•5138 oWaer Ted M. Schultz Sanya Schultz 102 W 13th Wood River, NE 68883 Property Address: 102 W 13th, Wood River NE 68883 , .- This Mortgage Rider, dated 10-08•2010 is incorporated into and amends the maRgage, deed of Ctust, or securiry deed (the Security Iustrument) af the same date. The Security Instrwment covers the Froperty described above. I � Secared Debt. The Secured Debt and Pumre Advances (sometimes referred to a.s Secured Debts) section af the Security Instrurnent is amended to add tl�e follow'rng sentence as the last sentence in the final paragraph: This Security Instrument will not secure any ottr�er debt if Lender fails, with respect to that other debt, to fulfill any necessary requirements or limitations of Sections 19(a), 32 or 3S of Regulation Z. Escro w ❑ Escrow for Taxes and Insurance. The Escrow for Taxes and Insurance section is revised to read as follaws: C! Escrow for Taxes and Insurance. As provided in a separate agreement, the Mortgagor ar Grantor agrees to pay to Lender funds for taxes and insurance in escrow. ❑ Escrow for Tax� and Jnsurance. Mortgagor or Grantor will pay to Lender amounts for (a) yearly taxes aad assessments on the Propecty which under the law may be superior to this Securiry Instrument, (b) yearly leasehold payments ar ground rents (if any�,. (c) yearlq preniiums for hazarc� ,, or property insurance, (c� yearly premiums for flood insurance (if any), and (e) yearly premiums for martgage 'rnsurance (iP any). Mortgagor or Graator will pay those amoupts to Lender uuless Lender tells Martgagar or Grantor, in writ'rng, that Mortgagor or Granwr does not have to do sa, or unless the law requires otherwise. Mortgagar or Grantor will makc those payments at the times required by Lender. Mort aga Rider VMP� Bankers SyetamsT� Wolters Kluwer Financial Servicoa � 2008 MTG-R 2/6/2008 VMP-C701 (0902).00 Page 1 af 3 ��