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2oioos33� VA GUARANTEED LOAN AND ASSUMPTION POLICY RIDER N�TICE: THIS LOAN IS NOT ASSUMABLE WITHOUT THE APPROVAL OF THE DEPARTMENT QF VETERANS AFFAIRS OR ITS AUTHORIZED AGENT. THIS VA GUARANT�ED LOAN AND ASSUMPTTON POLICY RTDER is made thisl5t day of N o v� m b e r 2 010 , and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Deed to Secure Debt (herein "Security Jnstrument") dated af even date herewith, given by the undersigned (herein "Borrower") to secure Borrower's Note to Home Federal Savings and Loan Assn of Grand Island (herein "Lender") and covering the Properiy described in the Security Instrument and located at 524 N Adams St Grand Island. NE 688p1 (Property Address] VA GUARANTEED LOAN COVENANT: In addition to the covenants and agreernents rnade in the Security Instrument, Bortower and Lender further covenant and agree as follows: If the indebtedness secured hereby be guaranteed or insured under Title 38, United States Code, such Title and Regulations issued thereunder and in effect on the date hereof shall govern the rights, duties and liabilities of Borrawer and Lender. Any provisions of the Security Instrument or other instruments executed in connection with said indebtedness which are inconsistenC with said Title or Regulations, including, but not limited to, the provisian for payment of any sum in connection with prepayment of the secured indebtedness and the provisian that the Lender may accelerate payznent of the secured 'zndebtedness pursua�nt to Covenant 18 of the Secuxity lnstrument, are hereby amended or negated to the extent necessary to conform such instrurnents to said Title or Regulations. MUL7ISTATE VA GUARANT�Ed LOAN AND ASSUMPI'ION POLICY RIbER �-538R (0301) 1/03 � Page 1 of 3 Initials: VMP MOR7GAGE FpRMS - (8001521-7291 r'� � 1 y �,� � +� �,? ;� .�'. �� .G��