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� � Mortgage Rider Lender Owner Heritage Bank 800 W 3rd Street P.O. Box 349 Hastings, NE 68901 GARY E. GANNON CONSTANCEL.GANNON 1324 N HANCOCK AVE GRAND ISLAND, NE 68803 Property Address: 1324 N HANCOCK AVE, GRAND ISLAND, NE 68803 This Mortgage Rider, dated 03-03-2011 is incorporated into and amends the mortgage, deed of trust, or security deed (the Security Instrument) of the same date. The Security Instrument covers the Property described above. Secured Debt. The Secured Debt and Future Advances (sometimes referred to as Secured Debts) section of the Security Instrument is amended to add the following sentence as the last sentence in the fmal paragraph: This Security Instrument will not secure any other debt if Lender fails, with respect to that other debt, to fulfill any necessary requirements or limitations of Sections 19(a), 32 or 35 of Regulation Z. Mortqage Rider VMPC9� Bankers SystemsiM Wolters Kluwer Financial Services OO 2009 � Escrow for Taxes and Insurance. The Escrow for Taxes and Insurance section is revised to read as follows: � Escrow for Taxes and Insurance. As provided in a separate agreement, the Mortgagor or Grantor agrees to pay to Lender funds for taxes and insurance in escrow. ❑ Escrow for Taxes and Insurance. Mortgagor or Grantor will pay to Lender amounts for (a) yearly taxes and assessments on the Property which under the law may be superior to this Security Instrument, (b) yearly leasehold payments or ground rents (if any), (c) yearly premiums for hazard or property insurance, (d) yearly premiums for flood insurance (if any), and (e) yearly premiums for mortgage insurance (if any). Mortgagor or Grantor will pay those amounts to Lender unless Lender tells Mortgagor or Grantor, in writing, that Mortgagor or Grantor does not have to do so, or unless the law requires otherwise. Mortgagor or Grantor will make those payments at the tunes required by Lender. MTG-R 2/8/2009 VMP-C701 (09021.00 Page 1 of 3