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201207691 PL�INN�D UNIT D�VELOPMENT RID�R THIS PLANNED UNIT DEVELOPMENT RIDER is made this 11th day of September 2012 , ancl is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument") of the same date, given by the undersigned (the "Borrower") to secure 5orrower's Note to EQUITABLE BANK (the "Lender") of tfle same date and covering the Property described in the Security Instrument and located ai: 144 PONDEROSA DR Grand Island, NE 66503 [Property Address] The Property includes, but is not limfted to, a parcel of land improved with a dwelling, together with other such parcels and certain common areas and facilities, as described in PONDEROSA LAKE ES7ATES SUBDIVISION FIOMC OWNER ASSOCIATION. RESTRIC�IVE COVENANTS AND CONDITIONS, GRAND ISLAND, NEBRASKA FILED 11/21/91 AS DOC � 91-107a68 (the "Declaration"). The Property is a part of a planned unit development known as PONDEROSA LAKE ESTATES [Name of Planned Unit Development] (tl�e "PUD"). 7he Property also includes Borrower's interest in the homeowners association or equivalent entity owning or managing the common areas and facilities of the PUD (the "Owners Association") and the uses, benefits and proceeds of Borrower's interest. PUD COVENANTS. In addifion to the covenants and agreements made 'm the Security Instrument, E3orrower and Lender further covPnant and agree as follows: A. PUD Obligations. Borrower shall perform all of Bcirrower's obligations under the PUD's Constituent Documents. The "Constituent Documents" are the (i) Declaration; (ii) articles of incorporation, trust instrument or any equivalent document which creates the Owners Association; anti (iii) any by-laws or other rules or regulatlons of the Owners Association. Borrower shall promptly pay, when due, all dues and assessments imposed pursuant to the Constituent Documents. 12-07-000052 MULTISTATE PUD RI�ER- Single Farnily - Fannie MaelFreddie Mac UNIFORM INSTRUMENT Form 3150 1I01 J��° Wolters Kluwer Financial Services Page 1 oi 3 Initials: VM Po-7R(081 1)