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20QO05204 <br />EXHIBIT E <br />MORTGAGE ADDENDUM <br />The following are addenda to the Mortgage. Please check the applicable addendum. The <br />addendum checked shall be incorporated into, and recorded with, the Mortgage. The term <br />"Mortgage" shall be deemed to include "Deed of Trust," if applicable. <br />❑ FHA, USDA RURAL DEVELOPMENT and HUD ADDENDUM ONLY <br />THIS TAX - EXEMPT FINANCING RIDER is made this 23rd day of June, 2000 and is <br />incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust <br />or Security Deed ( "Security Instrument ") of the same date given by the undersigned <br />( "Borrower ") to secure Borrower's Note ( "Note ") to <br />FIVE POINTS BANK <br />( "Lender ") of the same date and covering the property described in the Security Instrument and <br />located at: <br />2424 N. Sherman Avenue, Grand Island NE 68803 <br />In addition to the covenants and agreements made in the Security Instrument, Borrower and <br />Lender further covenant and agree to amend Paragraph 9 of the Model Mortgage Form, entitled <br />"Grounds for Acceleration of Debt" as by adding additional grounds for acceleration as follows: <br />Lender, or such of its successors or assigns as may be separate instrument assume <br />responsibility for assuring compliance by the Borrower with the provisions of this Tax - Exempt <br />Financing Rider, may require immediate payment in full of all sums secured by this Security <br />Instrument if: <br />(a) All or part of the Property is sold or otherwise transferred by Borrower to <br />a purchaser or other transferee: <br />(i) Who cannot reasonably be expected to occupy the property as <br />a principal Residence within a reasonable time after the sale or <br />transfer, all as provided in Section 143(c) and (1)(2) of the <br />Internal Revenue Code; or <br />(ii) Who has had a present ownership interest in a principal <br />Residence during any part of the three -year period ending on <br />the date of the sale or transfer, all as provided in Section <br />143(d) and (1)(2) of the Internal Revenue Code (except that <br />"100 percent" shall be substituted for "95 percent or more" <br />where the latter appears in Section 143(d)(1); or <br />(iii) At an acquisition cost which is greater than 90 percent of the <br />average area purchase price (treater than 110 percent for <br />targeted area Residences), all as provided in Section 143(e) <br />and (1)(2) of the Internal Revenue Code; or <br />(iv) Who has a gross family income in excess of the applicable <br />percentage of applicable family income as provided in Section <br />143(f) and (1)(2) of the Internal Revenue Code; or <br />(b) Borrower fails to occupy the property described in the Security Instrument <br />without prior written consent of Lender or its successors or assigns <br />described at the beginning of this Tax - Exempt Financing Rider; or <br />1 of 3 <br />