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201200928 FORM E-1 FHA AND HUD MORTGAGE ADDENDUM The following addenda to the Mortgage shall be incorporated into, and recorded with, the Mortgage. The term "Mortgage"shall be deemed to indude"Deed of Trust;'if applicable. THIS TAX-EXEMPT FINANCING RIDER is made the date set forth below and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed("Security InstrumenY')of the same date given by the undersigned ("Borrower")to secure Borrower's Note(`Note")to CharterWestNationnl Rank ("Lender") of the same date and covering the property described in the Security Instrument and located at the property and address described as follows: Address 910 F l4th St Grand Island,NE 68801 In additlon to the covenants and agreements made in the Security instrument, Borrower and Lender further covenant and agree to amend Paragraph 9 of the Model Mortgage Form, entitled "Grounds for Acceleration of Debt,"by adding additional grounds tor acceleration as follows: Lender, or such ot its successors or assigns as may by separate ins[rument assume responsibility for assuring compliance by the Borrower with the provisions of this Tax-Exempt Financing Rider,may require immediata payment in full of ali sums secured 6y this Security Instrument if: (a) ' All or part of the Property is sold or otherwise transferred by Borrower to a purchaser or other transferee: (i) W ho cannot reasonably be expected to occupy the property as a principal Residence within a reasona6le time after the sale or transfer, all as provided in Section 143(c)and(i)(2)of the Internal Revenue Code;or (ii) Who has had a present ownership interest in a principal Residence during any part of the three-year period ending on the date of the sale or transfer,all as provided in Section 143(d) and(i)(2)of the Intemal Revenue Code(except that"100 percent°shali be substituted for"95 percent or more"where the latter appears in Section 143(d)(1));or (iii} At an acquisition cost which is greater than 90 percent of the average area purchase price (greater than 110 percent for Residences in targeted areas),ail as provided in Section 143(e) and(i)(2)of the Intemal Revenue Code;or (iv) Who has gross family income in eaccess of the appBcable percentage of applicable median family income as provided in Section 143(f)and(i)(2)of the Internal Revenue Code;or (b) Borrower fails to occupy the property described in the Security Instrument wi[hout prior written consent of Lender or its successors or assigns described at the beginning of this Tax-Exempt Financing Rider; or (c) Borrower omits or misrepresents a fact that is material with respect to the provisions of Section 143 of the Internal Revenue Code in an application for the loan secured by this Security Instrument. References are to the Internal Revenue Code as amended and in effect on the date of issuance of 6onds,the proceeds of whieh will be used to finance the Security Instrument and are deemed to include the implementing regulations. BY�NG BELOW, B ...a nd agrees to the terms and provisions in this Tax-Exempt Financing Rider. Novernber 30,2011 eorrower Soraida SalaZar Date November 30,2011 Borrower Date �-` � ' November 3�,2011 N -Purc asing p use Date William A Salazar 1993.CV(8/11) 906459 NIFA MRB/P'ORM Prl � (10/OR) � GOTO(001 aaea�