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CATHERINE SABA <br />LOAN #: 400116100685181 <br />MIN: 1003502-9100685181-9 <br />SECOND HOME RIDER <br />THIS SECOND HOME RIDER is made this 26th day of September, 2016 and <br />is incorporated into and shall be deemed to amend and supplement the Mortgage, <br />Deed of Trust, or Security Deed (the "Security Instrument ") of the same date given - b <br />the undersigned (the "Borrower," whether there are one or more persons undersigned <br />to secure Borrower's Note to Mortgage Research Center, LLC dba Veterans United Home <br />Loans, a Missouri Limited Liability Company <br />(the "Lender ") <br />of the same date and covering the Property described in the Security Instrument (the <br />"Property "), which is located at: 119 W 11th St, Grand Island, NE 68801. <br />In addition to the covenants and agreements made in the Security Instrument, <br />Borrower and Lender further covenant and a ree that Sections 6 and 8 of the Security <br />Instrument are 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 <br />Loan application process, Borrower or any persons or entities acting at the <br />direction of Borrower or with Borrower's knowledge or consent gave materially <br />false, misleading, or inaccurate information or statements to Lender (or failed to <br />provide Lender with material information) in connection with the Loan. Material <br />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 <br />contaii1 -d in this Second Dome Rider. <br />MULTISTATE SECOND HOME RIDER - Single Family -- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT <br />Form 38901/01 Initials: <br />Ellie Mae, Inc. <br />201 606408 <br />0 '/ #- (Seal) <br />DATE <br />&I - 6A (Seal) <br />ATE <br />F3/ URDU 0307 <br />F::90RLU (CLS) <br />09/26/2016 10:20 AM PST <br />