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Loan Originator Organization: Citibank, N.A., NMLSR ID: 412915 <br />Individual Loan Originator's Name: Ryan Klementowski, NMLSR ID: 87606 <br />SECOND HOME RIDER <br />[Signatures on Following Page] <br />Multistate Second Home Rider — Single Family— Fannie Mae/Freddie Mac Uniform Instrument <br />The Compliance Source, Inc. Page 1 of 2 <br />www.compliancesource.com <br />ti <br />600 48.8 <br />MIN: 100011511242373265 <br />THIS SECOND HOME RIDER is made this 25th day of January, 2016 , and is incorporated into and <br />shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security <br />Instrument ") of the same date given by the undersigned (the "Borrower," whether there are one or more persons <br />undersigned) to secure Borrower's Note to Citibank, N.A. (the "Lender ") of the same date and covering the <br />Property described in the Security Instrument (the "Property "), which is located at: <br />1127 STONEWOOD AVE, Grand Island, NE 68803 <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 />Form 38901/01 <br />14504MU 08/00 Rev. 02/07 <br />©2007, The Compliance Source, Inc. <br />1111111 110 111 0 111111111111111 1 1111111111 VIII 11111 1111111111 11 111 11111111 <br />* 2 4 2 3 7 3 2 6* <br />