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EXHIBIT 200008680 <br />MORTGAGE ADDENDUM <br />The following are addenda to the Mortgage. Please check the applicable addendum. The addendum <br />checked shall be incorporated into, and recorded with, the Mortgage. The term "Mortgage" shall be deemed to <br />include "Deed of Trust," if applicable. <br />®FHA, USDA RURAL DEVELOPMENT and HUD ADDENDUM ONLY <br />THIS TAX - EXEMPT FINANCING RIDER is made this 18th day of October, 2000 and is incorporated <br />into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed ( "Security <br />Instrument ") of the same date given by the undersigned ( "Borrower ") to secure Borrower's Note ( "Note ") to <br />Raul Ramirez - Madueno and Gabriela Ramirez,husband and wife and Amalia Ramirez Madueno, a singal person <br />( "Lender ") of the same date and covering the property described in the Security Instrument and located at: <br />1207 W Louise Stree, Grand Island, NE 68801 <br />In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant <br />and agree to amend Paragraph 9 of the Model Mortgage Form, entitled "Grounds for Acceleration of Debt" as by <br />adding additional grounds for acceleration as follows: <br />Lender, or such of its successors or assigns as may be separate instrument assume responsibility for <br />assuring compliance by the Borrower with the provisions of this Tax - Exempt Financing Rider, may require <br />immediate payment in full of all sums secured by this Security Instrument if: <br />(a) All or part of the Property is sold or otherwise transferred by Borrower to a <br />purchaser or other transferee: <br />(i) Who cannot reasonably be expected to occupy the property as a principal <br />Residence within a reasonable time after the sale or transfer, all as provided in <br />Section 143(c) and (1)(2) of the Internal Revenue Code; or <br />(ii) Who has had a present ownership interest in a principal Residence during any <br />part of the three -year period ending on the date of the sale or transfer, all as <br />provided in Section (143(d) and (1)(2) of the Internal Revenue Code (except that <br />"100 percent" shall be substituted for "95 percent or more" where the latter <br />appears in Section 143(d)(1)); or <br />(iii) At an acquisition cost which is greater than 90 percent of the average area <br />purchase price (greater than 110 percent for targeted area Residences), all as <br />provided in Section 143(e) and (1)(2) OF THE Internal Revenue Code; or <br />(iv) Who has a gross family income in excess of the applicable percentage of <br />applicable median family income as provided in Section 143(f) and (1)(2) of the <br />Internal Revenue Code; or <br />(b) Borrower fails to occupy the property described in the Security Instrument without prior <br />written consent of Lender or its successors or assigns described at the beginning of this <br />Tax - Exempt Financing Rider; or <br />(c) Borrower omits or misrepresents a fact that is material with respect to the provisions of <br />Section 143 of the Internal Revenue Code in an application for the loan secured by this <br />Security Instrument. <br />