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Heritage Bank Kenneth L Layher PO Box 487 5212 S Burwick Rd Loan Number 3300814 110 E 9th Street Wood River, NE 68883 Date 12-01-2011 Wood Rivar, NE 68883 Loan Amount $ 1.216.000.00 LENDER'S NAME AND ADDRESS BORROWER'S NAME AND ADDRESS 2011091�.� ERRORS AND OMISSIONS AGREEMENT The undersigned borrower(s), in consideration of the closing of a certain loan by Heritaue Bank the "Lender" to Kenneth L Layhar "Borrower(s)" ia the above staxed amount, as evidenced by a promissory note and secured by a Deed of Trust or mortgage against real property locaxed at NE aud dated the da.te of this Errors and Omissions Agreement, agree(s), if requested by the "Lender" or its agent, to fully cooperate in the correction, if necessary in the reasonable discretion of the "Lender" of any and all loan closing documents so thai a11 documents ^;_: accurately describe the loan between the undersigned borrower(s) and the "Lender" and thus a11ow the "Lender" to sell, convey, seek a ""�` or obtain insurance for, or market said loan to any purchaser, including but not limited to any investor or institution, The Federal National Mortgage Association, the Govermnent National Mortgage Association, the Federal Home Loan Mortgage Corporation, the Department of Housing and Urban Development, the Department of Veterans Affairs, or Municipal Bonding Authoriry. The uadersigned borrower(s) further agree(s) to comply with a11 above noted reasonable requests by the "Lender" within thirty (30) days from the daxe of the mailing of the correction requests by the "Lender". The undersigned borrower(s) agree(s) to assume a11 costs including by way of illustration and not limitaxion, actual expenses, legal fees and marketing losses for failing to reasoaably comply with the "Lender" requests within the specif'ied thirly (30) days. DATED this 1St day of Decem6er, 2011 � / Kenneth L. Layher (Borrower) (Borrower) (Borrower) Bankere Systems, Inc., St. Cloud, MN 11-800397-23411 Form EROM 4/7/94 lpaga 1 a/ 1)