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<br /> �rw.h��.!�+��`!.sl���s��:c`��'��L,.:`e++��G'�Y.�'��?s,e�'Yt�i�114'u�a''��i-a�;�1°- f6�1'�es - �va. •����" __-
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<br /> � ADJUSTASLE IZATE RIDER 9Q+ 1���1 g
<br /> (1 Yeas Trcasury Index-Rate Caps)
<br /> TgilS ADII;STABLE RATE RIDER is ma�e[his 3� day of 3ana�TV ,1�Q . ,
<br /> � and is incorporated into and sha1J be deeme� ta amend an4 supptement lhe Martgage, Deed of Tcw-2, or 5ecuritq Ueed(the "Savrity '
<br /> Instrument")of the same date given by the w�dersigned(the"Bortower")to aecure Boreowu's Adjustablc Aau l�iote ttlic"l�totd')to HOME
<br /> FFDEEUl.S1►YIMQ&� ROl1!! AS�ClATlOH QF GR/!MQ ISLAtVD.NE�Al1S!(A(thc"l.sr�cr"}of the s3me d_a.te and covering ihe
<br /> praperty descrihed in the Securisy IrutrvmeaE and located ac: ' '
<br /> �003 West 1st Street, Grard Island, Ne 69803
<br /> � (Froperty Addras) �
<br /> :``:�. ; T6is eote rn�tat� pra�bioas dlowrl� [or cluu�a ts my i�terat nu a�d my moatify
<br /> psy�ts.Til�aote atso Umits ths a�ou�t my fatercst nte cau chan;e at asy ooe time:id
<br /> slso tAe mlaLaam and the m�aimmm�te 1 mnst pay.
<br /> ADUITTO1�iAL COVENANi'S.In addirion to the covenants and agrcements made in the Sscurity Instrument,B�nowcr and Lender
<br /> furthu sovensnt and�greo ss fof2Aws: .
<br /> , _ . A. IN1'ERFST�:L�1llr"Q l�lh'3'HLY�_�Sc'Di£I�iT CHANCF:S • . , ,
<br /> .,
<br /> ' The Nct�provi�:.t+ar�an:fi.l.ii�tran...i r�:;r�_' 1't_Q %. Sec�.:r{:�•wi t�3e'_wf<e.��:ovides fc���s�ges in the interat r�.::a:isw�r`r�e. . . ,
<br /> �• • ;��, ;m�c�fl'�:(�:��.�,.�°>>ll�ws.; ,',.; . � �' '�
<br /> :r�� , . . ��
<br /> ' 4. •%��`+:J?�1""�ltl��'E'ANDMONTHLYFA:4�9UL' �.'r,l�',3'!�:ti� � • • � i
<br /> � . •t�dt�};,.4�G�Itt3Y��6ts � : , . : .:. ..�:
<br /> i . .:'�Pit:'����;r,7�3ai91paymayehange�:i�e�'�*::it;,�� �"'RZr�.i� - -- — L� n� ,�c^��:+�:':ry . '�'
<br /> • � �::.=i'��`' monthsthereafter.Ea���.���;,- ni;i.•�as.i �i-::c:+�1:;;�°�:i��:u°c'���^e's�.�lledz"�'�_Date." �
<br /> . � . , - . . . .. ..
<br /> . . (8) 7`6e Iat1e�� .
<br /> r : &ginning�;tt�r,he Hrst Change Bate.my isst�rest rate will be based on a:?'r,dex.Ti1s'°lv�ex"is the weekly average yield on United Stattes
<br /> — , 'fYeasury securities adjusted to a constant maturity of 1 ycar.as made avuilabte by the Fed:sal Reserve Board.The most rerent Index figure
<br /> availabte as of the date 43 days b.KoTe each Change Date is callul ch:`•Current Index.^ y:
<br /> It the Indea is no longer availnble,the Note Holder a511 choose a new index which is based upon camparable informatio�.The Note
<br /> Holder wil!�ive mc notict of thls chaicc. � • ,
<br /> c� C�Ic�M�Uoa or�es , ..:;
<br /> &fore each Change Dato,thc Notc Holdcr will calculatc my new intcrest rnte by adding three and Ot18�ha lf porantage ; _ .
<br /> polnts( 3.� °�o)co the Current Index and rounding to the rtearest !/8th of I�io,subjeci w the lirreits swted in Section 4(D)betaw. �.t„y�=
<br /> Thls rounGed unount will be my new interes!rate until thc next Change Date. -
<br /> The Nota Holder will then determine the umount ol the monthly payment that would be sufGcient to repay in fult the princlpal I am
<br /> � a�poctcd to owe on that�hange Date in substantially equal paymcnts by the maturity dau at my new intcrest rate.The result of this cal:ulation '
<br /> �. ..
<br /> will be the new emaunt af my manthly payment.
<br /> (D) lletts oo Iehrest Rats C6anges � ..
<br /> � - The interest rate : ajn r��aireQ to pay at the firsr r?-.a.nge B�ce will no[ be greater than 13•Q Qlo or (tss than �•_
<br /> Q-n �'�_Thetea`'.�r,::y intetest rate witf never be i�c:.`-s.W c�z��,.a�V ased on any single Change Date by mare than ��rP.3�nt
<br /> � �., n�1,�irarnt�=rzte eSi-:crest I have been paying far r'-_e�-�::�.:;;rxelve months.The minimum interest rate on¢his Ic����;IS�?cver be �
<br /> ; lcss Ehan Q-�1 ?'o�:-.1 c�se maximum interest ratc��ii:T;�•zr t�c grca2er than 16,,tl a/o.
<br /> , (E) Etfscoi+vr.U�te ot Ght�� .
<br /> My new interest rate will6ccome effeet:vs�^each Change Date.I wi;!;,;.y the amount of my rtew monthfy payment�beginnire3 nc,�:l:�:�rst •
<br /> � monthly payment date after the C::ange l3atc nr.::l the amount oP my monihfy payment char�e:s again.
<br /> . 4 (� Notke o/Ci�uaes `:�,,;
<br /> '[t�e Note Holdet wil!mail or deliver to r:�e a notice bePare cach ChanF�s I)aic.The no�:.c will advise me of: . ,
<br /> (i) th�ai�ew interect rate nn my toan as af Ihe Change patc, •� ��'
<br /> (ii) t?::amountofmymonthlypaymeutfollowingiheCY.s.n��cl.r:�i��; `
<br /> (iii) any additional rnuttero which the Note t{older is ccy:��r.�;;��::��scluse;anci ,.
<br /> (iv) theaddressof'ltttassaiationyoucouldcontuctregar�iat;anyyuestionsabouttheadjustmentnotice. '
<br /> B. CHARC�;Y.fENS
<br /> Unifarm Covenant 4 nf Ihe Sr.curity Inslrument is amenQeJ to read as follows;
<br /> 4. Ch�rtes;Lk�n.fiorrower shhll yay�11 tases,�ssessments.and other ch��rgec,fines,and imn��sitione�Itributable to Ihr Nrvprrry whirh may
<br /> : attain a priority over this 5ecurity Instrumtnt,�nJ IeaseholJ p�ynients of gruund rema,iP any,in the manner providcd unJer paragraph 2 heceuf
<br /> or,iP not paid itt such tn8nnet,by Ilorrowtr making p�yment.when due.Jirecily to U�;payee thereof.Hurrower sh�ll prornplly furnish lxndcr ;
<br /> ' �!1 notices oP unounts due unckr this puagrapb,and ir�the evenq Borrower shall make payment directly,I3ocrower shali promptly iurnish to
<br /> Lxnder receipis evidencing s�.uh paynients. Borrower sh�ll ptumptly disrhar};e any licn whirh has pri�rity over this Securiry Insuumem;
<br /> — however. Horrower shall not Tx�equired to discharge any �u�:h lien sc�tong as k3nrr�wer: 1�)shall :►�,ree in writin�rn. rhe payment cif the
<br /> �� c�hlig::�3nn securcd by such licT c��!_c manncr�:cceptablc ta I r-n;c;;Ib1 shati in enud Paith contcst su�•!i licu by,or def'cn1;:�inst cnforcement oi' __ _
<br /> such rien in,legal prc�;c°.;n�c �s!�i_i in the���;iri+ro�:,°l,endet,:perate ta pre�•:•at�he enforcemenl of the lie�n�forieiture of�he Yroperry or any ,
<br /> � �rt thereor;ut(a•)�stu:il�.ri:sc "r'��m the ho;i;:- �f such iicn un agreement in a form sar.sfact�ry t�; (.cn�t�:r subnrdinafing suc::ti�r.•.o this
<br /> Serur;ly lnstrume:t , �
<br /> :r� �1(i rqd!t tlNet�t�i±a-=i1�R1;�FI}�rr{�ny�art t�f thP Ptnnrrt�c'c euh�CCt�Q R�ien whirlf�s}yti a111li!a jtf1E��FtY 4vct(hic 5rrpfj(y Ttte��!!rtfPilf. � ' .
<br /> --r , Lender shall give A+�rcuwer a r�of;ee identiSyinR such lic��.Fsvrrower shaU satisfy sueh lien or take ane�r more oi'the act;ons set fonh above '
<br /> — -- � witT�intrndayaottl:�givingofthenotice. -��
<br /> � � C. h(l�itC'�
<br /> UniParn�Cuvrn�r�r t4 af tiee Securicy Ins�rumer�t is5me�tdcJ tareadaa full�ws�
<br /> �
<br /> 11, iVolke.Et�cpt fui nnynoticc rcyu+.�cd unQcr upplicablr.taw tob`gn•cn in�nothcr mannrr,�a►any n�ticc to Flurra�rr prn�ide�i fur in thic
<br /> 5ecuray Inttrur:trn[�►,.p!�e gi�en by4rt�vcring dE ot by r.iaitir��it t+y first cTa;a rr�ail tv 8urrac+:er at the Prc��rty�detr.;s ot<�,;ii�h��tt�c�addrc��
<br /> as 13ctFruwrr may des�gn3te by nnlise to 1�ncl:r ng prur�ded here:n,at�d(hl nny notitc tu I.etttice eh11!he Ea+en U} I�nr c�.}t�tn;i�!a�+I rf+clee'c �� 4
<br /> � �llilresscrateclftareinur��r;u:hotheruddte�:tnalen:S:rrn.��r�Yec�E,rr,ileh}nc,lnCt��lintro��c=.i�t�tn��dc�#.'icreirc A+��•n:�l:ir�,n=�r,tcut,�� ��}t'n�
<br /> �e�ut�ty Inattuu:et�!�hall Y:cdten�±dtu h:��e F•re��v��r.��z��t1„rru,vcrnr i rau;°r:c1i;�i c:.�c�r in sh�m�nne de-�c��:_c:.t t•cvrir.
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