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20130865E <br /> SECOND HOME RIDER <br /> THIS SECOND HOME RIDER is made this 25th day of October 2013 <br /> and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed <br /> of Trust, or Security Deed (the "Security Instrument") of the same date given by the <br /> undersigned (the "Borrower" whether there are one or more persons undersigned) to secure <br /> Borrower's Note to Home Federal Savings and Loan Assn of Grand Isl and <br /> (the "Lender") of the same date and covering the Property described in the Security <br /> Instrument (the "Property"), which is located at: <br /> 3 Kuester Lk <br /> Grand Island, NE 68801 <br /> [Property Address] <br /> In addition to the covenants and agreements made in the Security Instrument, Borrower <br /> and Lender further covenant and agree that Sections 6 and 8 of the Security Instrument are <br /> deleted and are replaced by the following: <br /> 6. Occupancy. Borrower shall occupy, and shall only use, the Property as <br /> Borrower's second home. Borrower shall keep the Property available for Borrower's <br /> exclusive use and enjoyment at all times, and shall not subject the Property to any <br /> timesharing or other shared ownership arrangement or to any rental pool or <br /> agreement that requires Borrower either to rent the Property or give a management <br /> firm or any other person any control over the occupancy or use of the Property. <br /> 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan <br /> application process, Borrower or any persons or entities acting at the direction of <br /> Borrower or with Borrower's knowledge or consent gave materially false, misleading, <br /> or inaccurate information or statements to Lender (or failed to provide Lender with <br /> material information) in connection with the Loan. Material representations include, <br /> but are not limited to, representations concerning Borrower's occupancy of the <br /> Property as Borrower's second home. <br /> MULTISTATE SECOND HOME RIDER - Single Family - Fannie Mae/Freddie UNIFORM <br /> INSTRUMENT <br /> Form 3890 1/01 Page 1 of 2 Initials ';',1 j <br /> •Y -365R (0811) VMP Mortgage Solutions, Inc. (800)521-7291 <br />