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' C71R30T AnJUSTABL,E RA►TE �ER ( 1 Yeu Trcawry In�kx-R�te C�pe) 9�"" �(�I��,,�,Q 7HAS MlU5TABLI3 IIA1Ii RIT)F,R ia ma�thls �9'AI�ay ot 1pY, 1997 ' .and 1s inco�porated into uid _ dR li bo cf�.xmcd w smanA and�+upplament the Mortp�e�Deed ot'jtvet a Security[kcd(the"Secorlty Imtiument")of tLe sarne dak �Iven by thr.wuferaf�neA(�l�n"t3an�owcr")w eecuce Bcxrower's AdJurtxbk R�te Note(the"Note")to �CI�L11t+ !'�tI1L 1Ci�11L� �'1�'1CN (tho"I�nder")of the a�tne date and covedn j the pcopetty descdbed�n the Secrulty Instrumcnt and locaud at: a078 IQ�� (i�D IB�LJ�r �' 68803 l�►op.rly A�Mr..e] THE N01'E CONTAIN�PROVISIONS AU.OWINO FOR CHANQES IN THE IN'fEREST RATE AND 7'HE MONTHLY PAYMFNT. THE NOTE LIMITS THE AMOUNY TH�BORROWEW'S INTER�ST RATE CAN CHANaE A7 ANY ONF TIM�AND THE MAXIMUM FiATE THE BORROWEH MUST PAY. ADUITIONAL COV�UTANTS.In additloa to t!►e covenants�nd a�reements made in the Securtry Iaittunnent,Barower and Lender turther covetunt and a�x as fdlows: A. INIFREST RA'II3 AND MON'I�.Y PAYMENT CHANaES 1be t�att ptovldes f(wr�d inid�l interwt rnte of 7.750 96.71�e Note pcovldW fa ch�agea!a the intetrst ntc md t6c mootlilY 1�►Ymcnta.at follows: 4. II�TTFRF.ST RA'II3 ANA MON'1�iLY PAYMFNT CHAN(lES - (A) C6aaae Datca _ 'Ihc intec+estnte I wIU�y tnsy change on tLe firat day of Jl�i � Z000 ,�nd cxi that c4y every month thet�eattet.Faeh d�te oa which my intece�t nte eould ednge i�called a"C�ange Date." (B) 'Ihe Index &ginnina virleh tho fltst ct►�ngc Date�my intenst rato wiU ba Mxd on aa lnc{ex.'Ib�e"Indes"�S ehe weekly averYge yield on Uniud States TYeasury Securitia9 edjusted to a coastant matiuiry of 1 Yaar �as nude►vailable by the Fedetal Rexrve Bo�[d.'lln most tecent Indox figure avaUable�s of d�e date 43 days befate each C6eaae Date is called the"Ctiuceat Iades." if the Indes is no loagcr avdlable�tLe Note Holder wW ebooe�s xw iACiex wLlch is ba�cd up�xi compatabla lafatmsdon.'17�e Noto Holder wlli�ive me notica of ttils cho[ce. (G� Cslculadoaof Chwaes �1t�u� S�,VII�T II(� nefae eaed t;wa�a Luo.iLe ivoio iioIocr wiii w2v;;lai�c ouj�a,cM�,i��w.:.:o�-�-�g �"'��s��%� 2.v� °S: la tLe C�ureat Indes.Thc�ote T�iolcicr wW thea rouacl the tesult of tLia addi.dan w the nearest oaaeiahU►of aoe P��P�� : (0_123�i).SubJect w thc limita atatod in Secdon 4(D)bclow.tMa ramded atuaunt wlll be my new iatetrst rate undl the aext Ch�nae Datc. 'Oye Nrnr.Hc►ld�will thm detema�ne tl�e amamt of the moathly P�Yment�sat would be su�cient to cepay tLe vnPafd PR'i�c�fPd Wtt I mn acpected ta owe at tLo C'haaae Date in ful!on the m�wtity date u my xw intce�st ratt la subetaati�lly e4'�l�Y�•'l�e tesult of thia calcuiatlan wiU be tLa aew amouae of my mouthlr P�Ymeaa N) I3mita on latotost Rato CLanaes 'Ihe lnnenat nte I�m roquin�l to pay at the tiist Ch�oac D�te will twt bo�reatcr than 9.7l50 9i a lws tltian 5.750 !G. Tfien�ftu,my intorost r�te wiA aever be incre�+ed a dec�eaxd ar my ainate Chanae Dat�e bp ma�e tlu�n '17� Pe,rccn►ade P��m(1.00a)traa the rate of inteer.�t 1 have ban P�yinE fa tlie preadina tMelvitr monihs.My int�eceat rste wUl nava be jc+eater thaa ]2.Z50%. (E� F�foctive Dato of C�andes My ne�v iataeat nu will beconos effecdva on each Clun�e Date.I will p�y tLe ama�at of mJ aevr moa�hlY P�Y��be�imn9n6 on the tir�t moot�IJ'p�►Ymeat dste atter�+"'�nje Date untll tbc amauit of a�moothlY 1�Y��E��• (E�[�otice of G'�aeBos T�e Note Hotdet widU�'eHver or mall to me a uodce ot aay changsa 1n my interest nu�ad the amouat of my montlilY P�Y�before �he e�ecdve date of u�y�ajo.The noticc will iaclucb infamatlon e�quined by law to be 6ivea me and alao tho title a�tclephoae aumber of a pciaon who will aaawet�ny quat�on I may have cegarCins t6e notice. B. TRANSFFR OF'I'EI�PRO�RTY OR A BFNFFICIAL II�TIFRE3T IYV BORROWH! [Tnifoeai Cavea�nt 1?af ehe Securiry Inattument�i�mendod w t+ead�s foltows: '�Yaiosfa of the pcop�ety or a beaelicial iuterest In bamwer.If dl a my p�tt of the propcety a aay inte�t�est ia it ia aold or transfexzed (or if a 6eoeRc W lnta+est in E3otrovrer�a eold a�aasfetc�ed and Bon�o�wa ia not a ttatutal pecaon)witlaut I�endcr's prlor wtiuw rnoeeat, [.eader msy,at its optlot�.te4uire immediato p�yment in full of all e�u eecuced by tbls Security Iaatxumeat L�1er aL90�1W1 not exereise thle o�K1an if:(a)Batower caus�to ba eutrmitted w Letxfer infotmaz3aa�+equined by Lender to evaluau the inuaded traasfereo�s if��w lan w�ere beina made uo t�e traa�feree;aad(b)L.ender rea�onably detetmina that Iat�k:'s eecurIry will not be impaired by the laa sssumpdoa wd th�t t�e tinilt of�breach of any oovauwE a agreemeat in tbis 5ec�x3sy Instnu�att ia acceptable to I�ier. To t3e extent petmittai by tpplicablc law�Leu�kt may c�arge e tr�eonabie#ae aa a coediHon to Lender'a couaent to tht ioaa as�umpcan.[Aader nuy aL�o rcquft+o the tt�asftt+ee to dbn aa�non aaroement tlut ia acceptable w Lender md that obljgates tlie �nsfr.rx xo keep ol the prom�.xs aad agtament�made In We Note and in Wa Securlty Wtn�ooen�Borcowcc wlll condnue w be abigated und�r tl�e Noto�nd thls Seeuriry In�hument unkss Leadu rtle�se�Bo�tow�a in wrltina. If i,enckr exercllea the opdar tu requlre imm�diate paymeat in full,Lender�hall giva Borrower nolice of accelcratioa.'11u,aotia sL�ll nmvide s veriod of aot les�than 30 daYS from thc date the notice is delivectid or mdled within which Boimwer must pay all su� seciu+ed by U�ia Securiry Instnimen�If Bo�rorver fails to pay these eum�pcia to the axpinflon of this periad,Lender may involoe any c,emcdtes permitud by tW�Seciuity Inswment without furthet notice a dem�ed on Borrower. BY SICiNIN�E�FLOW.Borrower accepts�nd�grees to the term��nd covetunts coatainul i�n ibis Adjust�tble Rau Rickt. � �� C-, ��..� (Sed> _..'�� G-. (S��q = TLtiD C �'J1N -°°""'" I+ "°°"°""� = (S�d) (S�al) _ = -�"� (Sige Or�glnalOn'l f MULTIS7ATE ADJUSTABLE RATE RIDER-ARM 6-2-Sinpl�Family- F�nni�Ma�/Fnddi�M�c Unifortn Instrumsnt Form 3111/3/86 EG3002(REV 10/94�) � - - ,