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201502 <br />❑ In addition to the payments described above, I will pay a "Balloon Payment" of <br />$ on The Note Holder will deliver <br />or mail to me notice prior to maturity that the Balloon Payment is due. This notice will <br />state the Balloon Payment amount and the date that it is due. <br />(B) Maturity Date and Place of Payments <br />I will make these payments as scheduled until I have paid all of the principal and interest <br />and any other charges described in the Note. <br />My periodic payments will be applied to interest before Principal. If, on <br />June 0L, 2045 I still owe amounts under the Note, I will pay those amounts <br />in full on that date, which is called the "Maturity Date." <br />I will make my periodic payments at 1811 W 2nd St #108 <br />Grand Island, NE 68802 -2320 or at a different place if required by the Note Holder. <br />(C) Amount of My Initial Periodic Payments <br />Each of my initial periodic payments will be in the amount of U.S. $311.30 <br />This amount may change. <br />(D) Periodic Payment Changes <br />Changes in my periodic payment will reflect changes in the unpaid principal of my loan <br />and in the interest rate that I must pay. The Note Holder will determine my new interest rate <br />and the changed amount of my periodic payment in accordance with Section 4 of the Note. <br />4. INTEREST RATE AND PERIODIC PAYMENT CHANGES <br />(A) Change Dates <br />Each date on which my interest rate could change is called a "Change Date." (Mark one) <br />© The interest rate I will pay may change on the first day of June 2020 <br />and on that day every 12 month thereafter. <br />❑ The interest rate I will pay may change <br />and on every thereafter. <br />(B) The Index <br />Beginning with the first Change Date, my interest rate will be based on an Index. The <br />"Index" is: <br />1 Year LIBOR Index as Published in the Wall Street Journal. <br />The most recent Index figure available as of the date © 45 days ❑ <br />before each Change Date is called the "Current Index." <br />If the Index is no longer available, the Note Holder will choose a new index which is based <br />upon comparable information. The Note Holder will give me notice of this choice. <br />Multistate Adjustable Rate Rider <br />Bankers Systems TM VMP® <br />Wolters Kluwer Financial Services <br />VMPC104 (1401).00 <br />ARLR 1/10/2014 <br />Page 2 of 4 <br />