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NMLS COMPANY IDENTIFIER: 19116 NMLS ORIGINATOR IDENTIFIER: 1639595 CONDOMINIUM RIDER 201706659 THIS CONDOMINIUM RIDER is made this 2nd day of October, 2017, and is incorporated into and shall be deemed to amend and supplement the Deed of Trust ( "Security Instrument ") of the same date given by the undersigned ( "Borrower ") to secure Borrower's Note ( "Note ") to Bank of the West, a California state banking corp. ( "Lender ") of the same date and covering the Property described in the Security Instrument and located at: 3027 W CAPITAL AVE UNIT 41, Grand Island, Nebraska 68803 The Property includes a unit in, together with an undivided interest in the common elements of, a condominium project known as: WINDSOR HEIGHTS CONDOMINIUMS ( "Condominium Project "). If the owners association or other entity which acts for the Condominium Project ( "Owners Association ") holds title to property for the benefit or use of its members or shareholders, the Property also includes Borrower's interest in the Owners Association and the uses, proceeds and benefits of Borrower's interest. CONDOMINIUM COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. Condominium Obligations. Borrower shall perform all of Borrower's obligations under the Condominium Project's Constituent Documents. The "Constituent Documents" are the: (i) Declaration or any other document which creates the Condominium Project; (ii) by -laws; (iii) code of regulations; and (iv) other equivalent documents Borrower shall promptly pay, when due, all dues and assessments imposed pursuant to the Constituent Documents. B. Property Insurance. So long as the Owners Association maintains, with a generally accepted insurance carrier, a "master" or "blanket" policy on the Condominium Project which is satisfactory to Lender and which provides insurance coverage in the amounts (including deductible levels), for the periods, and against loss by fire, hazards included within the term "extended coverage," and any other hazards, including, but not limited to, earthquakes and floods, from which Lender requires insurance, then: (i) Lender waives the provision in Section 3 for the Periodic Payment to Lender of the yearly premium installments for property insurance on the Property; and (ii) Borrower's obligation under Section 5 to maintain property insurance coverage on the Property is deemed satisfied to the extent that the required coverage is provided by the Owners Association policy. What Lender requires as a condition of this waiver can change during the term of the loan. Borrower shall give Lender prompt notice of any lapse in required property insurance coverage provided by the master or blanket policy. In the event of a distribution of property insurance proceeds in lieu of restoration or repair following a loss to the Property, whether to the unit or to common elements, any proceeds payable to Borrower are hereby assigned and shall be paid to Lender. Lender shall apply the proceeds to the sums secured by the Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. MULTISTATE CONDOMINIUM RIDER - Single Family - Fannie Mae/Freddie Mm UNIFORM INSTRUMENT FORM 3100 1 /01 2004 -2017 Compliance Systems, Inc. 69b4eb2a- 8145e73 f - 2017.36.0.2 Multistate Condominium Rider - DL2052 Page 1 of 2 www.compliancesystems.com III 1111111,1 I I I 1101 1 1 1 1 1 5 11 l U l l l 111 I I 111111111 111110 I I I I I I I I U I I I I I I ILI I I I I I 1 11