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NMLS COMPANY IDENTIFIER: 19116 NMLS ORIGINATOR IDENTIFIER: 1629557 SECOND HOME RIDER 201707622 THIS SECOND HOME RIDER is made this 6th day of November, 2017, and is incorporated into and shall be deemed to amend and supplement the Deed of Trust (the "Security Instrument ") of the same date given by the undersigned (the "Borrower ") to secure Borrower's Note (the "Note ") to Bank of the West, a California state banking corp. whose address is 13505 California St, NE- BBP -LL -P, Omaha, Nebraska 68154 (the "Lender ") of the same date and covering the property described in the Security Instrument (the "Property") and located at: Address: 1518 W KOENIG ST, Grand Island, Nebraska 68801 Legal Description: LOT SEVEN (7), BLOCK ELEVEN (11), IN CHARLES WASMER'S ADDITION TO THE CITY OF GRAND ISLAND, HALL COUNTY, NEBRASKA. "PURCHASE MONEY" Parcel ID /Sidwell Number: 400107651 In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree that Sections 6 and 8 of the Security Instrument are deleted and are replaced by the following: 6. Occupancy. Borrower shall occupy, and shall only use, the Property as Borrower's second home. Borrower shall keep the Property available for Borrower's exclusive use and enjoyment at all times, and shall not subject the Property to any timesharing or other shared ownership arrangement or to any rental pool or agreement that requires Borrower either to rent the Property or give a management firm or any other person any control over the occupancy or use of the Property. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's second home. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Second Home Rider. �j 1 1IDat6 RULE A ) E LY / e 7 MULTISTATE SECOND HOME RIDER - Single Family- Fannie Mae/Freddle Mac UNIFORM INSTRUMENT ® 2004 -2017 Compliance Systems, Inc. b5939fbb-ed836207 - 2017.144.0.2 Second Home Rider - 0L2055 Page 1 of 1 FORM 3890 1/01 www.compliancesystems.com . 111, A 1, 1 I111111 I I II I I I IIII II t 111I 111 IIIII I I IIIIIII II 11 1 _111 III