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20110373� -; , .. .. Mortgage Rider Lender Heritage Bank 800 W 3rd Sti P.O. Box 349 Hastings, NE Property Owner KYLE D. STRATMAN MICHELLE L. STRATMAN 4308 CLAUSSEN RD GRAND ISLAND, NE 68803 4308 CLAUSSEN RD, GRAND ISLAND, NE 68803 This Mortgage Rider, dated 05�12•2011 is incorporat into and amends the mortgage, deed of trust, r security deed (the Security Instrument) of �Ithe same date. The Security Instrument cov',ers the Property described above. Secured Deb� The Secured Debt and Future Advances (so etimes refened to as Secured Debts) section of the �ecurity Instrument is amended to add the follow�ng sentence as the last sentence in the final paragr�aph: This Sec�rity Instrument will not secure any other de t if Lender fails, with respect to that other det�t, to fulfill any necessary requir ents or limitations of Sections 19(a), 32 or 3�5 of Regulation Z. ❑ 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) yeazly 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 times required by Lender. Mortg�age Rider VMPC� Bankers Sya emsiM Wolters Kluwar Fina�cial Sarvices OO 2009 MTG-R 2/B/2009 VMP-C701 10902�.00 Page 1 of 3