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When Recorded Return To: Five Points Bank 2009 N. Diers Ave. Grand Island, NE 68803 Prepared By: MULTISTATE PUD RIDER - Single Family - Fannie Mae /Freddie Mac UNIFORM INS FORM 3150 1/01 Laser Forms Inc. #FNMA3150 1/01 Page 1 of 3 Initials 201.708540 Parcel ID: 400149950 PLANNED UNIT DEVELOPMENT RIDER Loan No: 101306800 THIS PLANNED UNIT DEVELOPMENT RIDER is made this 15 thday of December , 2017 , and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument ") of the same date, given by the undersigned (the "Borrower ") to secure Borrower's Note to Five Points Bank, a Nebraska Corporation (the "Lender ") of the same date and covering the Property described in the Security Instrument and located at: 3713 Summerfield Ave Grand Island, NE 68803 [Property Address] The Property includes, but is not limited to, a parcel of land improved with a dwelling, together with other such parcels and certain common areas and facilities, as described in Declaration of Covenants, Conditions and Restrictions, of the herein named home owners association, and any amendments thereto (the "Declaration "). The Property is a part of a planned unit development known as Summerfield Estates Eighth [Name of Planned Unit Development] (the "PUD "). The Property also includes Borrower's interest in the homeowners association or equivalent entity owning or managing the common areas and facilities of the PUD (the "Owners Association ") and the uses, benefits and proceeds of Borrower's interest.