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SECOND HOME RIDER <br />THIS SECOND HOME RIDER is made this 15th day of July , 2015 , <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security <br />Deed (the "Security Instrument ") of the same date given by the undersigned (the `Borrower," whether there are one <br />or more persons undersigned) to secure Borrower's Note to Pinnacle Bank <br />(the "Lender ") of the same date and <br />covering the Property described in the Security Instrument (the "Property"), which is located at: <br />113 W 21st St Grand Island, NE 68801 <br />[Property Address] <br />In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further <br />covenant and agree that Sections 6 and 8 of the Security Instrument are deleted and are replaced by the following: <br />6. Occupancy. Borrower shall occupy, and shall only use, the Property as Borrower's second <br />home. Borrower shall keep the Property available for Borrower's exclusive use and enjoyment at <br />all times, and shall not subject the Property to any timesharing or other shared ownership <br />arrangement or to any rental pool or agreement that requires Borrower either to rent the Property <br />or give a management firm or any other person any control over the occupancy or use of the <br />Property. <br />8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application <br />process, Borrower or any persons or entities acting at the direction of Borrower or with <br />Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or <br />statements to Lender (or failed to provide Lender with material information) in connection with <br />the Loan. Material representations include, but are not limited to, representations concerning <br />Borrower's occupancy of the Property as Borrower's second home. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Second Home <br />Rider. <br />60-46 —CAA. <br />Borrower Randy Rink <br />Borrower Li4da Rink <br />MIN: 100952400061972434 <br />(Seal) <br />(Seal) <br />(Seal) <br />Borrower <br />(Seal) <br />Borrower <br />MULTISTATE SECOND HOME RIDER -- Single Family -- Fannie Mae/Freddie Mac <br />UNIFORM INSTRUMENT Form 3890 1/01 <br />9903.CV (8/09) 4300103718 (page 1 of 1 page) <br />Creative Thinking, Inc. <br />GOTO(005t9c88) <br />201504800 <br />