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FHA Section 184 Fee Simple Rider VMP® NMFL# 0188 (RFSP) Rev. 7/2012 Wolters Kluwer Financ al Services Rider for Section 184 Mortgage Fee Simple Property Only THIS RIDER FOR SECTION 184 MORTGAGE on FEE SIMPLE PROPERTY ONLY (not Trust or Allotted Land) is made on 14AY 08, 2014 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed ( "Security Instrument ") of the same date given by the undersigned ( "Borrower ") to secure Borrower's Note to WELLS FARGO BANK, N.A. ( "Lender ") of the same date and covering the property described in the Security Instrument and located at: 4233 INDIANNE?D ROAD, GRAND ISLAND, NE 68803 Additional Covenants. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: 1. if the Security Instrument is assigned to the Secretary of Housing and Urban Development ( "Secretary "), any foreclosure proceeding may take place in a tribal court, Federal district court, or other court of competent jurisdiction or non judicially, if applicable. 2. This security instrument may be assumed, subject to credit approval by the Lender /HUD. Assumption shall not cause any adjustment of the interest rate. 3. Any and all foreclosure proceedings pertaining to the Security Instrument and any judgments arising from such proceedings are subject to the provisions of Section 184 of the Housing and Community Development Act of 1992, as amended, or any successor Act, and any regulations promulgated thereunder, as well as the applicable provisions of the foreclosure laws of the court of competent jurisdiction, if applicable. Statement of Occupancy. Borrower(s) will occupy the subject property as a principal residence within sixty (60) days of the loan closing. In the case of new construction borrower(s) must occupy within 60 days of completion of construction and /or issuance of the certificate of occupancy. Borrower(s) further understand that occupancy is a requirement for the life of the 184 loan and that the home shall not be vacated or converted to rental while encumbered with a 184 mortgage. Borrower(s) further confirm and understand and agree that failure to occupy the property as a principal residence as provided above, shall constitute a default under the terms and conditions of the loan, and upon the occurrence of such default the whole sum of principal and interest shall immediately bgkome due and oavable at the option of he holder of the note. Q 201402760 Section 184 Case #: 313- 100051 March 3, 2010 VMP185R (1004).00 Page 1 of 2