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<br /> AD�USTABLE RAT� RI�3�Id 90�;�.���S�
<br /> _ 11 Yc;sr"Treasurp[ndex-Rate Caps)
<br /> THIS ADJUSTABLE RAT�fiIDER is macic this �� dny of F��I'Y ��g 90 ��
<br /> " � end is incorporaced in[o and shaU Be decmcd co amend and suyptemcnt the:44ongage. Deed of Trust, os SeL�urity IIeed(the •`Securit�
<br /> . IasuwnenY')of the same date gi�•�n by thr undersigued(the^Horrouer")to secure Borrou�er's Adjustab;�Rate tiote(the"1�6ote"i to HCME
<br /> FEDEI�AL SAVIl1(QS i Lf�Aal�SSBClATION OF QRAND ISLAND NEBRASKA(the •'[.ender'•)of the same date and caverirLq ehe
<br /> proporty dacribed ta the Security lastrument and Ioea�Ad ac: .
<br /> , a621 S. Vir�ni� Drive Grand Isl�, I� 6880ti
<br /> . � (Propeny Address)
<br /> 7'I�i9 nott coatafns provisfons aUaMag tor cluages in my tnterat rate aad my montdlp
<br /> psy mmt�.Thfs note Afso Ii�Its the omonnt my interest�te cao chaage ut ony oae tfine and
<br /> �ko the mtnImnm and tRe muimum rate{must pay. .
<br /> ADDITIONqL CO�'�NAhT�. In addi[ian[a the cot•enants and agreements made in ihe S;curit!�lostrumeni,Borrower and Lender
<br /> . fcrther cavenani and agree as follows:
<br /> A. i<�(7'EREST RATE A;VI�M0:1iTHLY PAt?1ti�ti7�fi!�iC,�
<br /> 'C�e':Vate provides for an imtiai intetrst r2tc cf ;1•� �'o.5v.�;ac 4 of ths(ti�a�1rrovides for•cbanges in the intcrest rate and the
<br /> ntonthty paymenL.as follaws:
<br /> 4. /.NTERL•S7'RATE A:VD 16fONTHL Y Pi19',11E'+T!h.t:'�"GE'S
<br /> {A) CA�nge Dates
<br /> The interest rate 1 will pay may change on the f rsi daL ..f _ �� _.19 91 ,and on th�.t dsy every
<br /> ;.��� �'�� -- month��thereafter.Each aate on w`ich my interest rate could change is c:ilJ.ai a•`Chznge Date-"
<br /> (B) 7he Inde�
<br /> 13eginning with the rrt C`F_�.ge Date,my interes[race;t�l)';e hased on an Index.l'hc"Ir,:ex"is ch�weekiy a�•eru�:�:z'_ci�n Cnited States
<br /> Trri.�,.±:;.ry securities adjustEd to a�:anstane maturity of 1 ;:.ac :s made uvailable hy nc�iFrai.a:Reserve Board.'fhe rrast.rccent I��x figure
<br /> as�Lale as of the date 4S days before each Cha.�_ve Date is�:a:1�:he"Current lndcx." �
<br /> !f the Inde�[is no longer available, the A::c�Holder vri!1 chaote a new index which is based up._.,.a,-nparable information. 'I'[t�Noie '
<br /> ??:i�er will give me notice of this choice. .
<br /> dL� G�kutiUon ot Chaaqes
<br /> }3rfore each Change Date,the No[e Holdcr wii!ca!�_.!�:•e.�y new interest rate by adding three & ane i�lf percentage
<br /> points( 3•S �'o)to the Current lnd�:=�.�.i raunding to the nearest 1/eth of loo,subject to the:imits stated in Section 4(D)below.
<br /> ThIs rounded amount will be my new interes[rate_�fi.�i::e zeat Changc Uatc.
<br /> The Notc Holder wiU�hen determine�he arr.�a:,�uf the manthly payment that would be suffi,.��;.c:�repay ir'f�ll the principal!am -
<br /> ea�y--�[o owe on that Chanse Uate in substantiaUy eyuai p_.�ents by the maturity date ac.���aeH in:eresc rate.The r�uli.oP thie calculation =
<br /> will be the new amount of my munthly payment. '
<br /> (D) IJm1!��alnterqtRsteC6aages ' "�
<br /> The interes[ rate 1 am reyuired co pay ac ;he f:r:t Cbange ;�a.e will not he grcater than _._ 13.5�_`�'o r less than
<br /> g-S Q'o.Thereafter,my intcrest ratewill nc�cr Ir:r_rea+cd o�dccrcasecl�n an}�singlc Chan�;e Date bp mora,l:in 2 ���
<br /> — L-'=r��� irum thc rate of interest 1 have been pa;rir.g?:-:.:�:�reccding twclvc monlhs.T'hc minimum interest rate;�,i?:i5 toan will never be
<br /> l��„��,�_ 9.0 Qlo and the maaimum��:-;*��,i.3L��t.ii fil'Vgf FIC KtCillet ih2q. _1�•U-- - -.°'o.
<br /> (�) Effecdve Date of Changa
<br /> h4y new interest rate wll)become effective on cicb Chang:i)ate.f��.;:;.±, thc am�uni of my ncw monthly payme-.r`_+eginning on the first � i �
<br /> mor;.i�;�payment date after Ilte Change 17ate until the ame�un;c�,��, .1:c.�.'::; :.ayn�em:';::r.�.r_<.�gain. '�;f
<br /> F�) Notice of Chae�ev �,
<br /> The N�,te Hnider will mail ur deliver to rne a notice befurr each!h„e f.:ti�;.,�.'(I�e uo�i�c�.�U:iJvi�.c me��f:
<br /> (i) the new interest rate un my tc�an a5 of�hc t'hangc 1�a�c: •
<br /> (ii) thc amount of uiy mu�nAly payrucnt fultowing thc C hai��;c Ua�c:
<br /> (iii) �ny additional matte,�s which the Note Holdcr is requirrct�u di�du�c;,�nd
<br /> liv► the addrecs rf thenssnciritiou yuu eciuld conta�t regarJ�r��;;�ny�;ue�tu�u:al�uut the ad�u�iment uc�uce.
<br /> B. ('HAKGt:ti;IJF:!�ti
<br /> (:r.`^rm C�tivenant 4 uP thc Secu�ity lnu;ume••r,.�mrrded 1��.�c�.1 d4 fOJIUL4s:
<br /> 4. C�trgev:i,lei�v.ESorr<racr tih<:l���a,al:�,:�::;,�sse55nr:n:s.��.�3�.thrr cfr,u�cc,.1mc�..:�; ,.�po,�tious atlnbuit�b�e t��Qie��r�:pr�t, ..� ,•.'� rnay
<br /> +u..uiiapricuity mer thiv Sccurity iusirum:nt,;:,�-,a tea,ehi�lcl�?,i>,ne;�r.uf�.�,.:inr}�t:ri. if,:..y.�r�the manner pnwided under par.:f..:..r•, -Crreof
<br /> � ol.if not p:�id in such niam�,t,My Uinruwer:1;.3.1:�:�;paymeut,L4il:t�d!ir..::a:•r r .��t?:e�;.�L'E'tI�C(L'(�L B4tltplVe►tllilll�1TOtll(1UV f;:rr..,• i cuder
<br /> .^.11 t�oti�es af amuunts due under Itii�parugra,tt.sud in t�:e c�.cnt fi��no�.ocr�t�.ill m.ii�e{>> �nrnt directly, ►turr�,KCr 4ha:;proinptly h�rni�h t�r
<br /> ?.,�r;�f::r rC�eipls cvidcncing suth p�ym.nlc. H�ttrnwct 4hali �:rr:n���tly discliargc �in: 1�cn .. .r.h ha, pntrciry o«r t?;r. ti�cunty I��Strulncnt;
<br /> ::;ti.:•vCt, Bnttower shalt not he leqmreQ h�u:s�!;a;ge:,r.; -:�.''• Iitn tiu I�,ng .i� It;irruv.c�. !,U �liall ,i�;rcc in writiuA to Ihe �+ayrucut of Ihe
<br /> e,bl,F:tt}oti srcured by such lieu�n the mc�nne�a:�:;• able tu Ler.;ler.!G/�.h:�l!�u E:Em<f fa�th wnre:t tu�h hen hY.or detend ag,iinst�ufarcement ul - -- -
<br /> such licn m,fcg.t{prntcr�liu�;s v,hich ui shc u�-���: :i I.cndcr opera!r iu prc�rnt thr entnrccmcut uf thc hcu or foric�turc ut thc I'rnnertv cv,�np �-l ---
<br /> ��rt thercof;ur(c►thall ti:curc from tiic hat,;�r c�f �UtI3:ica an.is,,•rcemcnr m a fvrm satis);i:�uty �n 1 rndcr tuhordinatint;5uch licn tv�hir
<br /> 5ecurity IAstrumcnt. �
<br /> IP I.cnder(l�lCnhitirs tha: :.' :�r�ny r�ait vl thr Pruperty i;�.uh�e�t �u:�I:cnµlu.h ui.�. .u�.,�n.:�,n��r�tti „�c� thi.4ecurrtp In:�uu,�•ne, �
<br /> i cncier snaii p,i�•e iionocser�rvr,c idcutitying auch licn. durro•.vcr xh;ill�.a'.r.�� ,uth hCn��r t.�Ac�,n:nr n�urc��t ilu•.i,hnn��ct tn� • ,�h�,.�� �
<br /> ���Ih�r�tcn dayc uf lhc g��,�yg i�P�he nuticc. �
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<br /> l�niturrr�(o�en:int 14offhe'+e�unt lii���a�rtcnt�<<uncn:L•dt�� ��3
<br /> Y tC�id as fnll���+. ��
<br /> ta. Voil�e.i.,.^pt i��r�hy nntr�r rcr�uired untler;q+;•A.af,!e t.r.r b.t<< �. I i ��r���idcd fnr�rF�h�. ���„�
<br /> K! Ctr 111 Jtllqf!tt fTidllrl:r.l.//dll�II.�!t_t•tIr In1Nw•t
<br /> 4�un.F:Inztrw+.rnr ,��all hc pitirn by dcli�ctm:rt o!tiy�;cul�n��t h; t��cr il.s>�•m:ut iv H:�r�u��cr a!fh:{'r�+t�cFE4.1.f t�:.,,n at c�r_h=.+thcr adsrc..
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