_RIDER FOR

							                                          RIDER FOR
                                 HUD/FHA INSURED MORTGAGES

       This Rider is made by and among the North-Missoula Community Development Corporation
(Owner), and ____________________________________________ (Lessee); and is annexed to and
incorporated by reference a certain Ground Lease Agreement, dated __________________________, by
and between Owner and Lessee concerning certain real property located in
                           County,                                             , and more
particularly described in said Ground Lease Agreement.

                                               RECITALS

     WHEREAS, Owner and Lessee are entering in to the Ground Lease Agreement in furtherance of
mutual goals as set forth therein; and

       WHEREAS, ________________________________________________
(Lender) has been asked to provide certain financing (the Loan) to Lessee(s) and is being granted
concurrently herewith a trust deed covering the Lessee's leasehold interest under the Ground Lease
Agreement and Lessee's fee ownership interest in the improvements (the Trust Deed). Such financing
furthers the mutual goals of Owner and Lessee as set forth in the Ground Lease Agreement; and

      WHEREAS, The U.S. Department of Housing and Urban Development/Federal Housing
Administration (HUD/FHA) has been asked to insure the Trust Deed and the Lender would be unwilling
to make the Loan available to the Lessee without mortgage insurance as provided by HUD/FHA; and

      WHEREAS, HUD/FHA would be unwilling to insure the Trust Deed without the modifications to
the Ground Lease Agreement set forth herein.

       NOW THEREFORE, in consideration of the Loan, the mortgage insurance made available by
HUD/FHA, and other good and valuable consideration, the receipt of which is hereby acknowledged by
the parties hereto, the parties hereby agree that notwithstanding any provision, covenant or condition
contained in the Ground Lease Agreement or in any other agreement between the Owner and the Lessee
affecting the premises that are the subject of the Ground Lease Agreement, the following provisions shall
apply to the Ground Lease Agreement as modifications thereof.

                                                  Part I

      The immediately following numbered provisions of this Rider shall apply to the Ground Lease
Agreement as modifications thereof so long as (and only so long as) HUD/FHA has an interest in the
premises as insurer of the Trust Deed.

       (1) Failure of the Lessee to occupy the premises as required by Article IV, Section 4.4 of the
Ground Lease Agreement shall not be grounds to terminate the Ground Lease Agreement, but shall
entitle the Owner to exercise the option of purchase as described in Article X, Section 10.7.

       (2) Real estate taxes and governmental assessments (but not fees in lieu thereof or Homeowner's
Association assessments and charges) applicable to the ownership or use of the land, which Lessee is
required to pay under Article VI, Sections 6.1 and 6.2 of the Ground Lease Agreement, shall not be paid
directly to the Owner but shall be paid to the Lender to be escrowed as provided by the Trust Deed.

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       (3) The hazard insurance required to be kept by the Lessee under by Article IX, Section 9.4
shall not be paid directly to the insurance provider but shall be paid to the Lender to be escrowed as
provided by the Trust Deed.

      (4) Any increase in the Land Lease Fee allowed under Article V shall result in a total annual
charge no greater than $________________, which amount has been determined to be 12% of
HUD/FHA's original site valuation.

       (5) In the event of a default under the Ground Lease Agreement, Owner shall, when notice of such
default is given to Lessee as provided in Article XII, Section 12.4, concurrently give notice of the default
to the Lender. In addition to the rights the Lender has to cure such a default under Article VIII, Section
8.3(b), the Lender shall have the right to cure such default on behalf of the Lessee within 120 days of the
date of such notice or within such further time as may be necessary for the Lender to complete a
foreclosure. Owner shall not terminate the Ground Lease Agreement prior to the conclusion of this cure
period.

       (6) Notwithstanding any contrary provision in the Ground Lease Agreement, a violation of the
restrictions on transfer contained in Article X of the Ground Lease Agreement shall not be grounds for
voiding a conveyance of the Lessee's interest in the Improvements, or terminating the Lessee's interest in
the Improvements or subjecting the Lessee to contractual liability other than requiring repayment (at a
reasonable interest rate) of assistance provided to make the property affordable as low- or moderate-
income housing. The prohibition against contractual liability precludes liability for specific
performance, injunctive relief or damages (except for repayment of assistance as described immediately
above).

       (7) The periods for the Owner’s to exercise its purchase options under Article X, Sections 10.7
and 10.8 of the Ground Lease Agreement shall in every case be 45 days instead of 60 days as set out in
these sections.

      (8) Article VIII, Section 8.2(iv) shall have no force or effect.

                                                   Part II

       In the event of the assignment of the Trust Deed to HUD/FHA or the delivery of a deed to
HUD/FHA in lieu of or after foreclosure, the provisions of Article IV, Section 4.4, Article VIII, Article
X, Article XI, Article XII, Sections 12.3 and 12.4 and Article XIV, Section 14.5 shall be automatically
and permanently deleted from the Ground Lease Agreement and shall thereupon be of no further force or
effect as to only so much of the security so assigned, foreclosed upon, or transferred.

                                                  Part III

       The immediately following lettered provisions of this Rider shall apply to the Ground Lease
Agreement as modifications thereof if and so long as (and only if and so long as) HUD/FHA has an
interest in the premises as Lessee.

      (A) the prosecution or defense by the Owner of any actions or proceedings appropriate to the
protection of its title under Article XIV, Section 14.7 shall be conducted in the name of HUD/FHA or the
Secretary of Housing and Urban Development only with the express written approval of the U.S.
Department of Justice.

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      (B) Article XIV, Section 14.12 shall provide that the federal common law of contracts shall
govern the Ground Lease Agreement.

      (C) Article XIII shall be deleted from the Ground Lease Agreement.

      IN WITNESS WHEREOF the undersigned parties have entered into this agreement this ____ day
of _______________________,________.


                   NORTH-MISSOULA COMMUNITY DEVELOPMENT CORPORATION

                   By: __________________________________________

                   LESSEE:

                   _______________________________________________



                   _______________________________________________




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