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20020294 BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions in this Tax - Exempt Financing Rider. Borrower Borrower Michael S. Goldsmith Borrower Borrower VA MORTGAGE ADDENDUM ONLY If, so long as the Mortgage is outstanding, all or part of the property is sold or transferred by Borrower without Lender's prior written consent, other than a transfer by devise, descent or by operation of law, the Lender may, at Lender's option, declare all the sums secured by the Mortgage to be immediately due and payable. Borrower Michael S. Goldsmith Borrower Borrower Borrower Date ® CONVENTIONAL MORTGAGE LOAN ADDENDUM ONLY THIS TAX - EXEMPT FINANCING RIDER is made this 13th day of March, 2002 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 ( "Note ") to FIVE POINTS BANK ( "Lender ") of the same date and covering the property described in Security Instrument and located at: 615 E. Meves Grand Island, NE 68801 In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree to amend Paragraph 17 of the Uniform Mortgage Form, entitled "Transfer of the Property as a Beneficial Interest in Borrower" as by adding additional grounds for acceleration as follows: Lender, or such of its successors or assigns may by separate instrument assume responsibility for assuring compliance by the Borrower with the provisions of this Tax - Exempt Financing Rider, may require immediate payment in full of all sums 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: DOCU51P2 Pagc 2 of DOLU6IP2.V. 09/16/2000