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200903008 PLANNED UNIT DEVELOPMENT RIDER THIS PLANNED UNIT DEVELOPMENT RIDER is made this 16th day of April 2009 , 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") to secure Borrower's Note to EQUITABLE BANK (the "Lender") of the same date and covering the Property described in the Security Instrument and located at: 4413 PINTAIL LN GRAND ISLAND, NE 68801 [Property Address] The Property includes, but is not limited to, a parcel of land improved with a dwelling, together with other such parcels and certain common areas and facilities, as described in SUBDIVISION AGREEMENT FOR HIDDEN LAKES SUBDIVISION NUMBER FOUR FILED 9-1-78 IN THE REGISTER OF DEEDS OFFICE AS DOCUMENT NO. 78-005670 AND AGREEMENT FOR PROTECTIVE COVENANTS. RESTRICTIONS AND CONDITIONS FOR HIDDEN LAKES SUBDIVISION NUMBER FOUR FILED 9-19-78 IN REGISTER OF DEEDS OFFICE AS DOC. NO. 78-006154 (the "Declaration"). The Property is a part of a planned unit development know n as HIDDEN LAKES SUBDIVISION [Name of Planned Unit Development] (the" PUD"). The Property also includes Borrower's interest in the homeow ners association or equivalent entity ow ning or managing the common areas and facilities of the PUD (the "Ow ners Association") and the uses, benefits and proceeds of Borrower's interest. PUD COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. PUD Obligations. Borrower shall perform all of Borrower's obligations under the PUD's Constituent Documents. The" Constituent Documents" are the (i) Declaration; (ii) articles of incorporation, trust instrument or any equivalent document which creates the Ow ners Association; and (iii) any by-laws or other rules or regulations of the Owners Association. Borrower shall promptly pay, w hen due, all dues and assessments imposed pursuant to the Constituent Documents. 230483 MULTISTATE PUD RIDER - Single Family - Form 3150 1/01 Wolters Kluwer Financial Services VMP@.7R (0811) Page 1 of 3 Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Initials:~ :.'i;t;JtJ::dUI.