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200307477 <br />SECOND HOME RIDER <br />THIS SECOND HOME RIDER is made this 16 t h day of May, 2003 , <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of <br />Trust, or Security Deed (the "Security Instrument ") of the same date given by the undersigned (the <br />"Borrower" whether there are one or more persons undersigned) to secure Borrower's Note to <br />Ameriquest Mortgage Company <br />(the "Lender ") of the same date and covering the Property described in the Security Instrument (the <br />"Property "), which is located at: <br />504 W 10th, GRAND ISLAND, NE 68801 <br />[Property Address] <br />In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender <br />further covenant and agree that Sections 6 and 8 of the Security Instrument are deleted and are replaced by <br />the following: <br />6. Occupancy. Borrower shall occupy, and shall only use, the Property as Borrower's second <br />home. Borrower shall keep the Property available for Borrower's exclusive use and enjoyment at <br />all times, and shall not subject the Property to any timesharing or other shared ownership <br />arrangement or to any rental pool or agreement that requires Borrower either to rent the <br />Property or give a management firm or any other person any control over the occupancy or use <br />of the Property. <br />8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application <br />process, Borrower or any persons or entities acting at the direction of Borrower or with <br />Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or <br />statements to Lender (or failed to provide Lender with material information) in connection with <br />the Loan. Material representations include, but are not limited to, representations concerning <br />Borrower's occupancy of the Property as Borrower's second home. <br />0047819081 <br />MULTISTATE SECOND HOME RIDER - Single Family - <br />Fannie Mae /Freddie Mac UNIFORM INSTRUMENT For 890 1 /01 <br />Page 1 of 2 Initials: C + /< <br />OM-365R (0011) VMP MORTGAGE FORMS - (800)521 -7291 05/16/2003 8:02:52 AM <br />R <br />