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r IV��V�� FORM E-1 FHA AND HUD MORTGAGE ADDENDUM The following addenda to the Mortgage shall be incorporated into, and recorded with, the Mortgage. The term "Mortgage" shali be deemed to include "Deed of Trust," if appiicable. THIS TAX-EXEMPT FINANCING RIdER is made the date set forth below and is incorporated into and sha!! be deemed to amend and supplement the Mortgage, Deed of Trust or Security Dced ("Security instrument") of the same date given by the undersigned ("Borrower") to secure Borrower's Note ("Note") to CharterWest Nstional Bank ("Lender"} of the same date and covering the property described in the Security (nstrument and located at the property and address described as follows: Address:308 W 17th St 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 9 of the Model Mortgage Form, entitled "Grounds for Acceleration of Debt," by adding additional grounds for accel�ation as follows: Lender, or such of its successors or assigns as 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 att sums secured by this Security Instrument it: (a) A(I or part of the Property is sold or otheiwise transferred by Borrowex to a purchaser or other transferee: (i) Who cannot reasonably be e�ected to occupy the property as a principal Residence within a r�sonable time after the sale or transfer, all as provided in Section 143(c) and (i)(2) of the Internal Revenue Gode; w (ii) Who has had a present ownership interest in a principa! Residence during any part of the three-year period ending on the date of the sale or fransfer, all as provided in Section 143(d) and (i)(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 (iii) At an acquisition cost which is greater than 90 percent of the average area purchase price (greater than 110 percent for Residences in targeted areas), aii as provided in Section 143(e) and (i)(2) of the Internal Revenue Code; or (iv) W ho has gross family income in excess of the applicable percentage of applicable median family income as provided in Section 143(f) and (i) (2) of the Internal Revenue Gaie; or (b) Borrower fails to occupy the properry described in the 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 materiat with respect to the provisions of Section 143 of the Internal Revenue Code in an application for the ioan securect by this Security Instrument, References are to the Internal Revenue Code as amended and in effect on the date of issuance of bonds, the proceeds of which will be used to finance the Security Instrument and are deemed to include the implementing regulations. BY SIGNING BELOW, 8orrower accepts and agrees to the terms and provisions in this Tax Exempt Financing Rider. November 15, 2011 Bwrowe,r Erika D Wolfe Date Borrower Non-Purchasing Spouse Date Date 1993.CV (8/11) 906485 NIFA MRB/FORM E-1 (10/OS) GOTO(OOla69b3)