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V.A. GUARANTEED LOAN AND ASSUMPTION POLICY RIDER LOAN# 001125452 VA CASE# 34 -34 -6- 0197110 NOTICE: THIS LOAN IS NOT ASSUMABLE WITHOUT THE APPROVAL OF THE DEPARTMENT OF VETERANS AFFAIRS OR ITS AUTHORIZED AGENT. THIS V.A. GUARANTEED LOAN AND ASSUMPTION POLICY RIDER is made this 4th day of October , 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 Wintrust Mortgage, a division of Barrington Bank and Trust Co., N.A., a National Bank (herein "Lender ") and covering the Property described in the Security Instrument and located at: 1124 E Nebraska Ave Grand Island, NE 68801 -8116 [Property Address] V.A. GUARANTEED LOAN COVENANT: In addition 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, such 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 payment 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 22 of the Security Instrument, are hereby amended or negated to the extent necessary to conform such instruments to said Title or Regulations. GUARANTY: Should the Department of Veterans Affairs fail or refuse to issue its guaranty in full amount within 60 days from the date that this loan would normally become eligible for such guaranty committed upon by the Department of Veterans Affairs under the provisions of Title 38 of the U.S. Code "Veterans Benefits," the Mortgagee may declare the indebtedness hereby secured at once due and payable and may foreclose immediately or may exercise any other rights hereunder or take any other proper action as by law provided. TRANSFER OF THE PROPERTY: If all or any part of the Property or any interest in it is sold or transferred, this loan may be declared immediately due and payable upon transfer ( "assumption ") of the property securing such loan to any transferee ( "assumer ") , unless the acceptability of the assumption and transfer of this loan is established by the Department of Veterans Affairs or its authorized agent pursuant to Section 3714 of Chapter 37, Title 38, United States Code. V.A. GUARANTEED LOAN AND ASSUMPTION POLICY RIDER- G - 241-1 (09 /00) Page 1 of 2 Initials: (4 201308181