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LOAN #: 2827341 SECOND HOME RIDER THIS SECOND HOME RIDER is made this 13th day of November, 2020 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 b the undersigned (the "Borrower," whether there are one or more persons undersigned 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 (the "Property"), which is located at: 1419 Stonewood Ave, Grand Island, NE 68803. 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 will occupy and use the Property as Borrower's second home. Borrower will maintain exclusive control over the occupancy of the Property, including short-term rentals, and will not subject the Property to any timeshann9 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 or entity any control over the occupancy or use of the Property. Borrower will keep the Property available primarily as a residence for Borrowers personal use and enjoyment for at least one year after the date of this Second Home Rider, unless Lender otherwise agrees in writing, which consent shall not be unreasonably with- held, or unless extenuating circumstances exist which are beyond Borrower's control. 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, mislead- ing, 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, Borro -r accepts and agrees to the terms and covenants co. . ned in econd Hom: ider. JA DATE /i SURYA CHAUDHARI DATE MULTISTATE SECOND HOME RIDER — Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 38901/01 (rev. 4/19) Ellie Mae, Inc. F3890RDU 0519 F389ORLU (CLS) 202©©8942