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20210'7502 LOAN #: 63782 SECOND HOME RIDER THIS SECOND HOME RIDER is made this 17th day of September, 2021 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," whether there are one or more persons undersigned) to secure Borrower's Note to Bruning 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: 309 LiIley St., Wood River, NE 68883-9135. 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 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 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, Borrower accepts and agrees to the terms and covenants contained in this Second Home Rider. (- I Y O / Uit vY�L'r ✓\ L q -/ 7 01 /(Seal) MARY GARMAN DATE LEROY p ARMAN 9-0-.21 -/ (Seal) DATE MULTISTATE SECOND HOME RIDER — Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3890 1/01 (rev. 4/19) Ellie Mae, Inc. F389ORDU 0519 F389ORLU (CLS)