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200111575 EXHIBIT E MORTGAGE ADDENDUM The following are addenda to the Mortgage. Please check the applicable addendum. The addendum Checked to sl►att be i "Deed ofraled into, and recorded will', the Moilgage. The term "Mortgage - shall be deemed to include "Deed of Trust," if applicable. XX FHA, USDA RURAL DEVELOPMENT and HUD ADDENDUM ONLY THIS TAX - EXEMPT FINANCING RIDER is made this 9thday o(Nov. .20 01 and is incorporated into and shall be deerned to amend and supplement the Mortgage, Deed of Trust or Security Deed ( "Security Instrument ") of the same dale given by the undersigned ("Borrower ") to secure Borrower's Note ( "Note ") to Mountain West FInancial, Inc. ( "Lender') of the same dale and covering the property described in the Security Instrument and located al: 823 West 5th Street Grand Island, NE 688 1 (Property Address In addition 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" as by adding additional grounds for acceleration as follows: Lender, or such of its successors or assigns as may be separate instrument assume responsibility for assuring compliance by the Borrower with require immediate payment in full of all sums (Ile provisions of this Tax - Exempt Financing Rider, may secured by this Security Instrument if: (a) All or part of the Property is sold or otherwise transferred by Borrower to a Purchaser or other transferee: U) Who cannot reasonably be expected to occupy the property as a principal Residence within a reasonable time after Ilia sale or transfer, all as provided in Section 143(c) and (1)(2) of the Internal Revenue Code; or Who has had a present ownership interest in a principal Residence during any part of the three -year period ending on Ilia date of the sale or transfer, all as provided in Section 143(d) and (1)(2) of the Internal Revenue Code (except that "100 percent" shall be substituted for "95 percent or more" where the latter appears in Section 143(d)(1)); or At an acquisition cost which is greater than 90 percent of the average area purchase price (greater than 110 percent for targeted area Residences), all as provided in Section 143(e) and (1)(2) of the Internal Revenue Code; or (iv) Who has a gross family income in excess of Ilia applicable percentage of applicable median family income as provided in Section 143(f) and (1) (2) Of the Internal Revenue Code; or (b) Borrower fails to occupy the property described in Ilia Security Instrument without 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 Ilia Internal Revenue Code in an application for the loan secured by this Security Instruinnni i