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200801051 SECOND HOME RIDER THIS SECOND HOME RIDER is made this 6TH day of FEBRUARY , 2008, 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 EQUITABLE BANK, 113-115 N LOCUST ST, GRAND ISLAND 1 NEBRASKA (the "Lender") of the same date and covering the Property described in the Security InstrillUent (the "Property"), which is located at: 4337 S NORTH RD, GRAND ISLAND, NEBRASKA 68803-9655 [Property Address] 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. 0 ccupallley. Borrower shall occupy, and shall only use, the Property as Borrower's second home. Borrower shall keep the Property available for Borrower's exclusive use and enjoyment at all times, a.nd shall not subject the Property to any timesharing or other shared ownership arrangement or to any rental pool or agreement that requITes Borrower either to rent the Property or give a management firm or any other person any control over the occupancy or use of the Property. 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, misleading, 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 SIGNmG BELOW, Borrower accepts and agrees to the terms and coven3l1ts contained in this Second Home Rider. t-::~~)4~'u':.,. ::=z,.~--Z _/ ~::' - - "{ ~ ",~,:.....:..--- THOM ATKINS (Seal) -Borrower " (Seal) -Borrower MULTISTATE SECONn HOME RIDER--Single family-Fannie MaelFreddie Mac UNIFORj\1 INSTRUMENT Form 3890 1/01 (page J of J page)