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<br />200704698 <br /> <br />SECOND HOME RIDER <br /> <br />THIS SECOND HOME RIDER is made this 5th day of June 2007 <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed <br />of Trust, or Security Deed (the "Security Instrument") of the same date given by the <br />undersigned (the "Borrower" whether there are one or more persons undersigned) to secure <br />Borrower's Note to Home Federal Savings and Loan Assn of Grand Island <br /> <br />(the "Lender") of the same date and covering the Property described in the Security <br />Instrument (the "Property"), which is located at: <br />404 N BOGGS AVE <br />GRAND ISLAND, NE 68803 <br />[Property Address] <br /> <br />In addition to the covenants and agreements made in the Security Instrument, Borrower <br />and Lender further covenant and agree that Sections 6 and 8 of the Security Instrument are <br />deleted and are replaced by the following: <br /> <br />6. Occupancy. Borrower shall occupy, and shall only use, the Property as <br />Borrower's second home. Borrower shall keep the Property available for Borrower's <br />exclusive use and enjoyment at all times, and shall not subject the Property to any <br />timesharing or other shared ownership arrangement or to any rental pool or <br />agreement that requires Borrower either to rent the Property or give a management <br />firm or any other person any control over the occupancy or use of the Property. <br /> <br />8. Borrower's Loan Application. Borrower shall be in default if, during the Loan <br />application process, Borrower or any persons or entities acting at the direction of <br />Borrower or with Borrower's knowledge or consent gave materially false, misleading, <br />or inaccurate information or statements to Lender (or failed to provide Lender with <br />material information) in connection with the Loan. Material representations include, <br />but are not limited to, representations concerning Borrower's occupancy of the <br />Property as Borrower's second home. <br /> <br />MULTISTATE SECOND HOME RIDER - Single Family - Fannie Mae/Freddie Mac UNIFORM <br />INSTRUMENT ' <br />Form 3890 1/01 Page 1 of 2 Initials: fJ/ 13 . <br />~-365R (0411) VMP Mortgage Solutions, Inc. (800)521-7291 ~ <br />