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201301079 VA GUARANTEED LOAN AND ASSUMPTION POLICY RIDER NOTICE: THIS LOAN IS NOT ASSUMABLE WITHOUT TIIE APPROVAL OF THE DEPARTMENT OF VETERANS AFFAIRS OR ITS AUTHORIZED AGENT. THIS VA GUARANTEED LOAN AND ASSUMPTION POLICY RIDER is made this 1ST dai of FEBRUARY, 2013 , and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Deed to Secure Debt(herein"Security Instrument") dated of even date herewith, given by the undersigned (herein "Borrower") to secure Borrower's Note to ROMESERVICES LENDING, LLC (herein "fender") and covering the Property described in the Security Insuument and located at 1027 E BISMARK ROAD, GRAND ISLAND, NEBRASKA 68801 [Property Address] VA GUARANTEED LOAN COVENANT. In addrtroir to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: If the indebtedness secured hereby be guaranteed or insured under Title 38, United States Code, sur,h Title and Regulations issued thereunder and in effect on the date hereof shall govern the rights, duties and liabilities of Borrower and Lender. Any provisions of the Security Instrument or other instruments executed in connection with said indebtedness which are inconsistent with said Title or Regulations, including; but not limited to, the provision for pay merit of any sum in connection with prepayment of the secured indebtedness and the provision that the Lender may accelerate payment of the secured indebtedness pursuant to Covenant 18 of the Security Instrument, are hereby amended or negated to the extent necessary to conform such instruments to said Title or Regulations. 343460193559 MULTISTATE VA GUARANTEED LOAN AND ASSUMPTION POLICY RIDER C-538R (0310) 10/03 ..1 1.111 , l 1 Pa ge 1 of 3 Initials VMP Mortgage Solutions (800)521-7291 1