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�aw� . . ..'. .:;, . . '.��:�ru- �-„� .��y�� -t�,. .. , . ,� ._ _ ..,�:- __ _ . �.: _. . .. i r;p �. .;:��-: ti.� _.. � '��`n.WJ 'Ki '4��:.4\�i� ..[/.� .. . ..__ , '>. 5 � j�i,r:Jr, . . .. .. . . _....____ _. —� — � . � =� • ADJUSTABLE RATE RIDER 2oQ2�96o ' __ _ (1 Year Treiuury Index -Rate C�ps) ��+��crs� - v�� � , 11TH AUGUST e _ �99�'HiS ADIUSTABLE RATE RIDER is mudc this day of . _ -3 ,and is incorpatatcd inta and shall bc decmccl �o umend nnd supplement thc MortRagc. Dad of � _� Tru�t or Security Decd(thc "Security Instrument")of thc s�n� date given by t6c unde�igncd(thc"8arrower")ta t�e�q�f�i�b�e'�"�u'��ii�i��oinl�ilocft�`oe��'�ni�'��t�it�, ■elrisk�, A �ederA Sa�iep lank _� (the"I.ender")of the samc d:�tc and covcring the propetty dcscribcd in the Securiry Instrumcnt und locatod at: _ �� 456) E CAPITAL AVE aIiAND ISLAND, NBBRASKA 68801 _ �P(OPGfIY AMIfC55� - THE NOTE CONTAINS PROVISIQNS ALLOWIN(i FOR CHAN(3ES IN THE INTER�ST _ RATE AND THE MONTHLY PAYMENT. THE NOTE UMITS THE AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE BORROWER MUST PAY. - ADD1TlUNAL COVENANTS. In addition to ttx covenents a�►d egreemenu made in the Sccurity InStrument, Borrower and I.cnder further covenant and ag�ae:�s follows; A.INTEREST RATE AND MONTHLY PAYMENT CHAI�GES - The Note pravides for an initial interest rate of a"87 5 �ib.The Note pmvides for changes in the interest rate ancl the monthly payments,as fotlnzvs: 4.INTEREST RATE AND MONTHLY PAYAtENT CIUAtGES (A)CtwngeDates SBPTEHBER 2002 'l�i�e interest rate I wiii pay may cha�gc un 2i�r sisi day of .�QQ� day every 12th month thercafter. Each date on wh�ict�my interest rate muld change is callod a"Chango Date." B)The Index Beginning with the 6rst Change Date. my ineer.est rate will he basecl on an Indoz. The "Index" is the weekly - average yield on Unitod States Treasury securiaes adjusted to a constar►t mntury of 1 yeu, as made avaiiabie by the Federal Reserve B�ard. Tha most recent Index figure avail ablo as of tha date 4S days before each Change Date is called thc"Current Index." If the Index is no longer available,the Note Holder will choose a new index which is based upon con�parable ir�fo�mation.The Note Hotder will give me notice of this choice. (C)Calculntbn ot Changes Before each Change Date.the Note Holder will calculate my new in r te by adding � percentage poinc(s)( �'� �)to the Cbrnnt Index. 'The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point(U.125�). Subject ro the limits stated in Section 4(D)below. this rounded amount will be my new intorest rate until the next Changc Date. The Note Holder will then detennine the amount of the mvnthly payment that would be suf6cient to repay ttx unpaid principal that[am expacted to owe ut the Change Date in full on the Maturiry Date at my new interest rate in substantially oqual payments. Thc result of this calculation v��ll be the new amouns of my monthly pay►nent. (D)Limits on Interest Itate Changes 9,87 5 -- The interest rate I am required to pay at�he f rsi Change�ate wi11 nui be greater than 90 or less than 5 .g7 5 �.Tfiereafter,my intcrest rate will never be increasod or dxrcased on any single Change Date by more than two percentage points (2.0�3b)from the rate of interest I have been paying ' for the precc�ding twclve months.My interest rate will never be greater th,�n �2•8�5 `y• My interest rate will never be loxer than 5.875X. (E)ERective Dyte of Ct�anges _— My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly ""' payment beginning on the first monthly payment datc aftcr the Change Date until the amaunt of my monthly payment changes�e,ain. (F)Notice ot Chaages The Note Holder will deliver or mail to me n notice of any changes in my intercst rate and the umount of my - _�..�_ _�_ :_., �..�.. _ montniy paytnenc ixiore tnc c►i�riivc uaic ui uny CIIatI�C.tnC in�iia;2�viii in��uuc i�uviuwQivi��yu..w v� ..,:::v ��' be given me and also thc tide and tcicphone nurnbcr of a �enon who will answer any question I may have p, rcgarding thc noticc. =w�:. �'�� MULTISTATE ADJUSTABLE RATE RIDER•ARM 6•2-Sinqlo Family•Fennl�MNIFndd1� M�c Udform M�trummt � ' Form 3111 3186 _`y'_� �-8Z�t93051 VMPMOIITGAGCGORAIS /f00�521�77D� � R�nteAonMcYCUdPper 1fP�ri --`:�