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200511308 OCCUPANCY RIDER TO MORTGAGE/DEED OF TRUST/SECURITY DEED Lender #: 0061026001 THIS OCCUPANCY RIDER is made this 4th day of November, 2005 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument") of the same date given by the undersigned (the "Borrower") to secure the Borrower's Note (the "Note") to Washington Mutual Bank, FA (the "Lender") of the same date and covering the property described in the Security Instrument and located at: 2607 JAN ST GRAND ISLAND, NE 68803 (Property Address) ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: 1. That the above described property will be personally occupied by the Borrower as a primary residence commencing not later than thirty (30) days after the above date. 2. That if residency is not established as promised above, without further notice, the Lender will be entitled to take any or all of the following actions: (A) Increase the interest rate on the Note by one-half of one percent (0.50%) per annum, and to adjust the principal and interest payments to the amounts required to pay the loan in full within the remaining term; and/or (B) charge a penalty fee of one and one-half percent (1.50%) of the original principal balance by adding that fee to the unpaid principal balance of the loan at the time this fee is determined to be due and adjust the principal and interest payments to the amounts required to pay the loan in full within the remaining term; and/or (C) require payment to reduce the unpaid principal balance of the loan to the lesser of (1) 70% of the purchase price of the property or (2) 70% of the appraised value at the time the loan was made. This reduction of the unpaid principal balance shall be due and payable within thirty (30) days following receipt of a written demand for payment, and if not paid within thirty (30) days will constitute a default under the terms and provisions of the Note and Security Instrument; and/or OCCUPANCY RIDER TO MORTGAGE/DEED OF TRUST/SECURITY DEED AA000801 (9707) Page' of 2