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� 2000U0926 <br /> ADJUSTABLE RATE RIDER <br /> THIS ADJUSTABLE RATE RIDER is made this 26th day of January , <br /> 2000 , and is incorporated into and shall be deemed to amend and supplement <br /> the Mortgage, Deed of Trust or Security Deed (the "Security Instrument") of the same date given by the <br /> undersigned (the "Borrower") to secure Borrower's Adjustable Rate Note (the "Note") to <br /> Home Federal Savings and Loan Association of Grand Island <br /> (the "Lender") of the same date and covering the Property described in the Security Instrument and located <br /> at: 4315 CLAUSSEN ROAD <br /> GRAND ISLAND, NE 68803 <br /> [Property Address] <br /> THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY <br /> INTEREST RATE AND MY MONTHLY PAYMENT. INCREASES IN THE <br /> INTEREST RATE WILL RESULT IN HIGHER PAYMENTS. DECREASES IN THE <br /> INTEREST RATE WILL RESULT IN LOWER PAYMENTS. <br /> ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security <br /> Instrument, Borrower and Lender further covenant and agree as follows: <br /> A. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br /> The Note provides for an initial interest rate of 7.375%. The Note provides for <br /> changes in the interest rate and the monthly payments, as follows: <br /> 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br /> (A) Change Dates <br /> The interest rate I will pay may change on the 1 s t day of February , <br /> 2 0 03 , and on that day every 12 month thereafter. Each date on which my interest rate <br /> could change is called a "Change Date." <br /> MULTISTATE ADJUSTABLE RATE RIDER - Single Family <br /> �-899U (9705).01 1/97 <br /> m <br /> Page 1 of 4 Initials: <br /> VMP MORTGAGE FORMS - (800�521-7291 <br />