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201001560 SECOND HOME RIDER THIS SECOND HOME RIDER is made this 5TH day of MARCH 2010 ,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, PO BOX_ 160, CRANn TSLAND, NEBRASKA 68802-0.160 ___ ____ _ (the"Lender")ofthesame date and covering the Property described in the Security Instrument (the "Property"), which is located at: 6OL~ TNFFSF ['ATR Nr+'I2RASKA FiRR7L~ _ __ [Property Address] In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree that Sections h and 8 of the Security Instrument are deleted and are replaced by the following: b. Occupancy. Borrower shall occupy, and shall only use, the Froperty as Borrower's second home. Borrower shall keep the Property available for Borrower's exclusive use and enjoyment at all times, and shall 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 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 lrnowledge ar consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with naterial 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~eeond Home Rider. FORMAN L BENTLEY (f -Borrower ll G~ ~t. ~ . f'~ (Seal) DIANA LBENTLEY -Borrower MULTISTATE SECOND HOME RIDER--Single Family--Fannie MaelFreddie Mac UNIFORM INSTRUMENT Form 3890 1/01(page 1 of I page)