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<br /> f - AD��J5�A�3.��.R�IT� RIDER 9�-101299
<br /> (1 YESrTtea:ttsr Index-RaceCaps}
<br /> TtitSADJUSTAHLG��'Ff:*r!lB�Fiicn:u�:tisis '� dayaf �� .19��
<br /> aad is insorpoiated into en�sYc�i!b:dre�t,8 ca;�ttn4 and sap;'��r.,�n: ch:1�iarcgage. Dxd of Truss. or Security D�d (the"Security
<br /> � [nstruaient")of the sa�ac d�te,�ten�y ct�un3e�ie�;ed,tie°"Borra�er"jra sccure Bonotiver's Adjustuble Rate Note(che"Note")to HaME
<br /> FEDERAL SAVIN�S�LOAN AS.�'s�CiJ1�tQN G'>�t�IiAND t�LAfit1.ti@BRASKA(the•'Lender•'►of the same date and cove�ing�he
<br /> � irsa�ty��;cribedintheSecuritg[r�trume�s.a;ia:a�,.;afai:•
<br /> YQ21 [�'. .To�u► C-ra�3 It�1�, '.'t� �8D1
<br /> iFra�t}�?►�stisess)
<br /> ThSs nuic cont�i[tf prosf�lo�►s a:IMfipg for cttt��.s in my interest rafe aad my monthip
<br /> p�s�mt�t�.Tbis eote abo itmitt U�t amount my itit�rai.crite c:+n c6aage at Qog orte time aad .
<br /> atto etx mintmnm saa sbe ms+rfroum rnic e mus4 p��y.
<br /> AADi'iZt1NAL COt�EttA.ti''�a.ht additi�n ic�the cn�•c�esn:s an�al�am�nts m±de in the S�uity lnctrumenG Borrouer and Lender
<br /> fnrther covenant and agr�as folloKS:
<br /> A. I,Y[ERFST RA'fE A1iiD MU;►i'tHi.Y['AY41�4Y i"IQA1iGF5
<br /> The Note pro�ides for an initia!snter�c rate of 11•�� ?'u.Se;tion 4 of the Note provides for changes in the interest cate and the
<br /> montfiSy paymenu,as foi!aws:
<br /> 4. lNTERE'ST RATE ANII.'ViGtr f:y,4 3'PA 3r:tiH�rT C:liA.vGEti '
<br /> (A1 C6�ngeDcus '
<br /> The interes:rate{�vi(!)�3y*n�y c�a.��;c:��n�FL:�i�f e�a:,06' _�____.AP�?I- - - .19 91 �and an that day every
<br /> �(12� ��-V�month"s�h:fCirtFt.EZe��Liilt�«�'.'tiI:':�1[SSS'tpSfll'Sf Ei�!C COUId CII8IIbe15 C3IICQ 8`�Change Date."
<br /> (B) 7'be InQea
<br /> Beginning with d�:firdt��haw,�L'ate,:ny ir.*.e!e:,�.•i:tt�aii4 be banc!an an lndex.Th�"i�.icx"is the wetkly a��erage yield on United States
<br /> Treasury securlties adju3teti Ia 3 co:zst�n:r�.3,usity oS:i�f�ear,as inadc a��c'labie hy ihw_�r.�ecal Reserve Board.T6e mast recera fndex�gure �
<br /> available as of tls,eciace 45 Gays 6efo�e e:ec2!'hinL.�-�e Datc is calt:d the"Cu.rnr,r :ndex."
<br /> If the lnr,{e�•es no tonger av..i;�Fi_e,tt�t'.tiLte Hv'.�:t �vill chnose a r,t« ;ndex which is based upon comparable inform&ti¢�._The Note � �
<br /> Hc'der wifi gf;��i:e notice of:hs ch�:te. �
<br /> iCl Cak��l�don o!Cdangs5
<br /> $eFote�Ghange Date,th�hot:Holdcr will calcutate my nc:v in;cre5t ratc by adding three& OIIe h81f percentage
<br /> points( 3•S �'o)to t3�e Current Index and rounding[o[he nearest 1%bth af 1�'o,subject to the limits stated in Sectian dfil)hdow, ' �
<br /> 'This raunded amnunt will be my new in!erest rate until the heat Change l)ate.
<br /> The Noee Holder will th:n determine the amoun[of eh:munthly paymeni that wauld be sufficient to repay in fup the principal 1 ara -
<br /> expected to owe on that Change Date in substanti�lly equ21 paymentc by ihe matutity date at my ncw intereat rate.The result of this calculation -
<br /> will be the new�ount of my monthly payment. • -
<br /> (D) i1m9t�onleterestRrte4hangcs '• `
<br /> The i�,.:tst rate l am required �o pay at the first Change Lir;.:� wiU not be grcater than _�3 75� �,,�,or less tttan ! --
<br /> �.1 S o�a.Thcrcafter,my incerc4t tate will ne�c-r he nc:ea,�:;�:- �rc:eas�;d m,�r��single(:hange Uate by rr:cre�n��') �
<br /> �T�r�rosn Ihe ratc of intere5c 1 havP been p�•,•i.�i�sr�.!ie prc::e1.:L:; ,�elvc rriur�.hs.7he minimum mterest r�:_,:..thic loan will ncver he
<br /> Iessthan �3�•{�_.,._..._�bandthemar.�s.•_�n.ntcrr'-;. r�."rllne�erh�;����certhan_ 16.0 __ab.
<br /> (E) �trr.ti�e I)ate af Ghanges y
<br /> � .
<br /> My new ir.terest rate will becomc cffeciiceon eac'<<:�::r:,;;:fi;ue.1�ti;ll pay the�mount of my new monthly pa�;��c.�t beginning on the iirst �,_
<br /> momhty payment dater�fter the C'hanEe Date until the a:::,.;:•,f mq monthly paymcnl changeti again, :tr
<br /> � IF) Aa�icr�f Chan�ts ��
<br /> 'f ht Ivurc[-Y��Ider will mail ur deli�er tu me a nolice befure r,u h(!•.�';�;:I�utc."1 tic uotice«�II ad��,c me of: '�'
<br /> (i) the new intcretit ratc un my laau ati of the C!�;�ngc Elate;
<br /> (ii) lhe amount uf n�y�mu��thly papmeul fultr.M;�.,.�the Changc Vace;
<br /> (lii) any adduiuna!mattcrs ahich thr No�e�1o1�cr{ti rcquirc,�*:�disclusc;aud
<br /> (i�•) theaddress o1 the assuciation yr�u coutd ccmt�i.t regardir,.:-,�ay que5t�onti ubuut the ud�u•i�tient nvUCC.
<br /> B. 4HAfttiE.L; LIE!Vti
<br /> Unifotm C'�ec^:�:r 4nf'nc�tic,:uri�y Instrument�c umrndcd�r,fcad as f�lluw,:
<br /> 4. Charges:Litn�.Rorruwer,hnl{��sy nll t.uees.a:scssme�;�. snd c»h:r�';;re,c�.,fincti,and impn;itiom attr.buwblr t:�Ihc Nruperty:3[:i,;b rnay
<br /> attain a p�ioritp in._r tnis Securiiy lu,trunnn�,an3 icasrt�c�!d�ayn,erus�.f};��=unct rcut�,if any,m ehc mannc:provided�mder p;irtikra��h 2 hereof
<br /> ur,it uot psid in Such rn�aner,by korruari ntakink pa.vm:n:,v.hcn due,:.�ee�{y t��(hC pi!yCl•IhC�C+�f.}3orro::Cr tiha!!Duintpdy�(urni+b Lcnder
<br /> all nufices uf tuuc�unts dur wider this r:�ra,ttivh.�nd i�t IFc e,rnt liE�rruwer ah;�ll rnt�kc pnyinent J�rcct!y'.Nc�rruwcr•�hall prc�ruptl�•furr�ith tii
<br /> I,ender reccipts e�iJcncis�g cuch paym:•nts. H,�rcf,t�rer �hs°.I promptl}'Alt�harE�t auy lie�� «hi�h h�c, nnurily �nci itii� Sr.urity II151CUIIICIII;
<br /> huweycr, (tarr<�wcr shal! not t�c rec�uucd Iu d�sc:zargr any such }ien su lun�: ac Hvrrn:�rr; f,u shall ur;rre in v.ritin,v,tt� thc�sayntcnt af �he
<br /> nbligaa,,n cecured by Such I�ci�:n th;rnanncr:�<<crrahre e��t cndcr,(hl tihal!in�;�m;t ftiiilr�unte<<,u,h!ic»by,nr defcnil ay;a�n:t cnfurcemcnt nf ___ _�_____
<br /> 5ueh liC►e+n.IC�,:II(�tUlCCCIu��s ul�i�h Ifl thr�iriiilptF o1 LE't)flrt���wra!e ro prercn!tirc enfoiccment uf rfii-I�cr�ur fi�rfe�ture��f tlie lhuperlw ett.�ny �
<br /> p3tt thtreof:ur Icl ch�l!SCUUC from the hc�(der c�f ai.h lieiti un ti(;reemrrtt �iF a !i,rtn c�ti.tattut� in ��•��dcr •.uhorciin,iti��� tiu�ti lien 1c�Ihi�
<br /> Sec�arity Instrumtn[
<br /> Ii I.Cnd!t ctetrumtieti Niat att ot ary[',yrE�,t th^!'rupert}is�uhjhf tir;� Itcn uln.h n,ati ��!tain t��tiuti�� c,ticr thn 5ccunly Intilrururnt,
<br /> (,�nAar ch�jl�4a��.�_.s_zr':::1:f:�".:i:�f�:i�y:.a;t.:.h�i[R irt.ii�nrcr�iiaiF s��i,�ry,irrn irrn�r rakc�mc c�r m���i•rn t�u'a:Tt��h�•,CI fnt�fi 71qnC - -
<br /> withln tcn days n!N�e E,�.mg�I the ucti�c. ,�
<br /> � �*J
<br /> t. ��►rtrF �c�
<br /> (Jni/��f�r�r usi�taut Id u'tf:c'�:.�irrt;'�n,tturnchf i.,:�meudcd h,rced ac fnll;.:� �'3�t
<br /> U. tiotite. f n�el�t fnt ntiti ttrn��_e te�uved under z37CL:�h,^!.r.r t��t�r r;ncrs�n an�.th:r n�_�.�c:r.t.�r,i,n rn�^;.e:,r R+�ni��,cr �,r�,��,l;J f,�r in tb�. �r
<br /> 4C:.�rity Initrurnent al��1f beg�+�cn hv ifrinerin��i or I,��uaifir�g���,� t��c�Ja�.;ni�i�it��[�i�rs��r�z�r a��hc f'e•�;,•��r� �id�hc.,or:�r ,�iJF�,�t•.r.�.i.G�.� �, �
<br /> t.•.{Ib=crrs:[t m3c i',��;r,1!td hr 11t,'t.r!��f CJr.fe�i; rrn�ni[4 t.^J(,(r. ;fu•1(Fse:,i�y r.:�r�_�•�..1.•��.Ct:[i�I�t., _.,_.,;�.. �;_..l.!:j-,»....� ,..;. . � f!
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