0001193125-16-505154 Sample Contracts

AMENDMENT TO CUSTODIAN AGREEMENT
Custodian Agreement • March 15th, 2016 • Spirit of America Investment Fund Inc

This AMENDMENT TO CUSTODIAN AGREEMENT (“Amendment”) dated as of February 10, 2016, is by and between Spirit of America Investment Fund, Inc. (the “Company”) and Huntington National Bank (the “Custodian”).

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SPIRIT OF AMERICA INVESTMENT FUND, INC.
Operating Expenses Agreement • March 15th, 2016 • Spirit of America Investment Fund Inc

This letter is to provide notice of the addition of a new class for each series under the Company: Spirit of America Real Estate Income and Growth Fund Class C Shares; Spirit of America Large Cap Value Fund Class C Shares; Spirit of America Municipal Tax Free Bond Fund Class C Shares; Spirit of America Income Fund Class C Shares; Spirit of America Income & Opportunity Fund Class C Shares; and Spirit of America Energy Fund Class C Shares. Each new class is to be included under the Agreement and shall be subject to the terms set forth under the Agreement unless otherwise provided herein.

AMENDMENT TO MUTUAL FUND SERVICES AGREEMENT FOR TRANSFER AGENCY SERVICES
Mutual Fund Services Agreement • March 15th, 2016 • Spirit of America Investment Fund Inc

This AMENDMENT TO MUTUAL FUND SERVICES AGREEMENT (“Amendment”) dated as of February 10, 2016, is by and between Spirit of America Investment Fund, Inc. (the “Company”) and Huntington Asset Services, Inc. (“HASI”).

AMENDMENT TO MUTUAL FUND SERVICES AGREEMENT FOR FUND ADMINISTRATION, FUND ACCOUNTING AND COMPLIANCE SUPPORT SERVICES
Mutual Fund Services Agreement • March 15th, 2016 • Spirit of America Investment Fund Inc

This AMENDMENT TO MUTUAL FUND SERVICES AGREEMENT (“Amendment”) dated as of February 10, 2016, is by and between Spirit of America Investment Fund, Inc. (the “Company”) and Huntington Asset Services, Inc. (“HASI”).

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