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201�0578� Bi Weekly and Lump Sum Payment Rider (This is a legal document that explains how you pay and what is due after 5 years) This Bi-Weekly and Lump Sum Payment Rider is made on 07/28/2011, and is incorporated into and shall be deemed to amend and suppi�ment the Mortgage, Deed of Trust, or Security Deed (the °Security Instrument") of the same date given by the undersigned ("Borrower") to secure Borrower's Note (the "Note") to ING Bank, fsb (°Lender") of the same date and cavering the property described in the Security Instrument and located at: 3204 W 17th St, Grand Island, NE 68803 [Property Address] ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. LUMP SUM PAYMENT THE 5-YEAR FIXED RATE LUAN SECURED BY THIS SECURITY INSTRUMENT IS PAYABLE IN FULL AT MATURITY. THE ENTIRE PRINCIPAL BALANCE OF THE LOAN AND UNPAID INTEREST THEN DUE IS PAYABLE IN FULL AT MATURITY. LENDER IS UNDER NO OBLIGATIOPI TO REFINANCE THE LOAN AT ANY TIME. B. BI-WEEKLY PAYMENTS The Note provides for Borrower's bi-weekly loan payments as follows: "3. PAYMENTS. (Aj Time and Place of Payments I will pay a Principal and interest payment every 14 days ("Bi-Weekly Payment"). I will make Bi-Weekly Payments beginning on 09/07/2011 and every 14 days after that date until I have �id all of the Principal and interest and any other charges I may owe under this Note. Each Bi-Weekly Payment wrill be applied as of its scheduled due date and will be applied to interest before Principal. If, on 08/17/2016 (the "Maturity Date"), I still owe amounts under this Note, I will pay those amounts in full on the Maturity Date. My Bi-Weekly Payments must be made electronically. I will make arrangements acceptable to ING DIRECT to cause all required Bi-Weekly Payments to be sent electronically to ING DIRECT. If I send a check to yau for a Bi-Weekly Payment or for any other payment under this Note, ING DIRECT will charge me $50 for each payment that I make by check. (B) Amount of IIAy Bi-Weekly Payments Each of my Bi-Weekly Payments will be in the amount of $155.80." C. BI WEEKLY PAYMENT AMENDMENTS TO THE SECURITY INSTRUMENT The Security Instrument is amended as follaws: (1) The phrase °monthly payment° is changed to "bi-weekly payment" wherever "monthly payment° appears. The word °monthly" is changed to "bi-weekly (every 14 days)" in the Security Instrument wherever "monthly" appears. (2) In Unifarm Covenant 3 of the Security Instrument (°Funds for Escrow Items"), "12" is changed to "26.° BY SIGNING BELOW, Borrower accepts and agrees to the terms nd covenants cantained in this Bi- Weskly and Lump Sum Payment Rider. G �� ✓ � ' � " - (Seal) Patrick J Kellogg (Seal) 05-10003 O7lOS Rev. 07/10