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201403885 SCGOND HOME RIDER THIS SECOND HOME RID�R is made this 26th day of June 2014 , ancl is incoi��orated into and shall be deemed to amend and supplement the Mortga�e,Deed of Trust,or Security Deed(the"Security Instniment") of the s�me date given Uy the undeisigiied{the "Boi�rower," wliether there are one or more persoiis undersigned) to secure Borrower's Note to EQUITABL� BANK (the "Lender") of the same date and covering the Property�described in the Security Inst�liment(the"Property"),which is located at: 38 E{uester Llc Grand Island, N� 68801 [Property Address] In ldditon to the coveiiants �nd agreements made in the Secitrity Instrument, l3orrower and Lender fiirther covenant and a�ree that Section 6 ancl 8 of the Security I�istrument are deleted�n�i are replaced Uy tl�e following:: 6. Occupaney. Borrower sh�Il occupy,�nd sha11 only use,the Property as Borrower's second home. Borrowei� sha11 l�eep the Property lvailaUle for Boi�ower's exclttsive use and enjoyment at all times, and sh111 not suUject the Property to �ny timesliaruig or other shared ownership arrangement or to any rental pool oi� agreement that requires �3orrower either to rent the Proper�y or give a managemei�t iirm or any other person any control over the occupancy or use of the Property. 8. Borrower's Loau Apl�lictttion. Borrowei• shall be in default if, during the Loan applic�tioii process, Borrower or any persoxis or en�;ities aatiirg �t the dii�ection of Boi�•ower or with Boi•rower's lcnowledge oi•consent gave materi�lly false, inisleading, or inaccurate information or statement to Lender (or f�iled to provide Lender with m�terial infoi-mation) in connection with the Loan. Material representations include, Uut are not 1ir�iited to; representations concerning Borrower's occup�ncy of tlie Property as Borrower's secozid home. BY SIGNING BrLOW,Borrower accepts�iid agrees to the tenns a coven�nts,c taii d ' hi �ect�ic Home Rider. . .._. �„,.�.. � Eric R Christenson -Borrower �.� �:��r�-�(!I�;P,/J�i.1�,�'�1'C�{'� Cynthia L Christenson -13orrower MUL1'ISTATC SliCONb IIOM�RIDCR--Singla Family--P';uu�io Mne/Preddie Mnc UNIPORM INSTRUMI:NT Porm 3890 1101 U�nge 1 of Z page)