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VA GUARANTEED LOAN AND ASSUMPTION POLICY RIDER <br />NOTICE: THIS LOAN IS NOT ASSUMABLE <br />WITHOUT THE APPROVAL OF THE DEPARTMENT <br />OF VETERANS AFFAIRS OR ITS AUTHORIZED <br />AGENT. <br />THIS VA GUARANTEED LOAN AND ASSUMPTION POLICY RIDER is made this8Tli day <br />of FEBRUARY, 2013 , and is incorporated into and shall be deemed to amend <br />and supplement the Mortgage, Deed of Trust or Deed to Secure Debt (herein "Security Instrument ") dated <br />of even date herewith, given by the undersigned (herein "Borrower ") to secure Borrower's Note to <br />WELLS FARGO BANK, N.A. <br />(herein "Lender ") and covering the Property described in the Security Instrument and located at <br />1504 ROSEMONT AVE, GRAND ISLAND, NEBRASKA 68801 <br />[Property Address] <br />VA GUARANTEED LOAN COVENANT: In addition to the covenants and agreements made in the <br />Security Instrument, Borrower and Lender further covenant and agree as follows: <br />If the indebtedness secured hereby be guaranteed or insured under Title 38, United States Code, such Title <br />and Regulations issued thereunder and in effect on the date hereof shall govern the rights, duties and <br />liabilities of Borrower and Lender. Any provisions of the Security Instrument or other instruments <br />executed in connection with said indebtedness which are inconsistent with said Title or Regulations, <br />including, but not limited to, the provision for payment of any sum in connection with prepayment of the <br />secured indebtedness and the provision that the Lender may accelerate payment of the secured indebtedness <br />pursuant to Covenant 18 of the Security Instrument, are hereby amended or negated to the extent necessary <br />to conform such instruments to said Title or Regulations. <br />343460193780 <br />MULTISTATE VA GUARANTEED LOAN AND ASSUMPTION POLICY RIDER <br />a -538R (0310) 10 03 <br />VMP Mortgage Solutions (800)521 -7291 <br />® Z4 <br />Page 1 of 3 Initials: I <br />20130/210 <br />