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FORM E-3 200801215 CONVENTIONAL AND USDA RURAL DEVELOPMENT MORTGAGE ADDENDUM The following addenda to the Mortgage shall be inGOrporated into. and recorded with, the Mortgage. The term "Mortgage" shall be deemed to include "Deed of Trust," if applicable. THIS TAX-EXEMPT FINANCING RIDER is made the date set forth below and is incorporated into and shall be deemed to amend and supplement the Mortgage. Deed of TruM ar Security Deed ("Security Instrumenr) of the same date given by the undersigned ("Borrower") to secure Borrower's Note rNote") to Wells Fafl:Jo Bank, N,A. ("Lender") of the same date and covering the property described in the Security Instrument and located at the property and address described as follows: Address: 328 E Hall Street I Grand Island. NE 68801 Legal Description: Lot One Hundred (100), in Buenavista Subdivision, an Addition to the City of Grand 1$land. Hall County, Nebraska. In addition 10 the covenants and agreements mad@! in the Security Instrument, Borrower and Lender further Covenant and agree to amend Paragraph 18 of the Uniform Mortgage Form, entitled "Transfer of the Property as a Beneficial Interest in Borrower," by adding additional grounds for acceleration as follows: Lender, or such of its successors or assigns as may by separate instrument assume responsibility far assuring compliance by the Borrower with the provIsions 01 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: (I) Who cannot reasonably be expected to occupy the property as a principal residence within a reasonable time after the sale or transfer, all as prOVided in Section 143(c) and (i)(2) of the Internal Revenue Code; or Who has had a present ownership interest in a principal residence during any part 01 the three-year period ending on the date of the sale or transfer, all as provided in Section 143(d) and (i)(2) of the Internal Revenue Code (except that "100 percenf' shall be substituted for "95 pefeent 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 (greatrrthan 110 percent for Residences in targeted areas), all as provided in Section 143(e) and (i)(2) of the Internal Revenue Code; or Who has gross family income in excess of the appliGable percentage of applicable median family income as provided in Section 143(f) and (i)(2) of the Internal Revenue Code; or Borrower fails to occupy the property described in the Security Instrument withoul prior written consent of Lender or its successors or assigns described at the beginning of this Tax.Exempt Financing Rioer, or Borrower omits or misrepresents a fact that is material with respect to the provisions of Section 143 of the Internat Revenue Code in an application for the loan secured by this Security Instrument. References are to the Internal Revenue Code as amended i;1nd in effect on the e1ale of issuanGe of bonels, the proceeds of which will be used to finance the Security Instrument and are deemed to Include the implementing regulations. BY SIGNING Bi:LOW, Borrower accepts and 8greElS to the terms and provisions ill this Tax~Exempt FinanCing Rider. Q -=--- tJ / ~ fi6~-0/4::t4k\~ PCJRNN~RI'1 SA\}5ftVANH f (ii) (Hi) (iv) (b) (c) s:2 (3... CJ <;? Borrower Date g, Dale J?;,OZ 16-25 NlF A MRBJ)'orm E.3 (10/06) 4827.g093-9776.8