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PLANNED UNIT DEVELOPMENT RIDER 201301215 ARMSTRONG Loan #: 451214890 MIN: 100681804512148908 THIS PLANNED UNIT DEVELOPMENT RIDER is made this 6TH day of FEBRUARY, 2013, and 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 Borrower's Note to CENTRAL NATIONAL BANK, (the "Lender ") of the same date and covering the Property described in the Security Instrument and located at: 2616 COTTONWOOD RD, GRAND ISLAND, NE 68801 [Property Address] The Property includes, but is not limited to, a parcel of land improved with a dwelling, together with other such parcels and certain common areas and facilities, as described in THE COVENANTS, CONDITIONS AND RESTRICTIONS FILED OF RECORD THAT AFFECT THE PROPERTY (the "Declaration "). The Property is a part of a planned unit development known as RIVERSIDE ACRES [Name of Planned Unit Development] (the "PUD "). The 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 addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. PUD Obligations. Borrower shall perform all of Borrower's obligations under the PUD's Constituent Documents. The "Constituents Documents" are the: (i) Declaration; (ii) articles of incorporation, trust instrument or any equivalent document which creates the MULTISTATE PUD RIDER- Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT la 34.11 Form 31501 /01 (page 1 of 3 pages)