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-,� �_ � _��a.....� ._..._. �,._�.� _- � �.;- —_ . _ . _ . . --�-r-- � __ �__. � - - � � I � AU„IUSTABLE RAT� RIDER gD""-��Q,2�� Q (1 Year Treuury lndex•Ratc Caps� THl5ADlUS'TANLB1tAT8RIDERi9m�kthIs �8th �yof — t�rLh ��q�_� �ad b iacorpor�teA into u►s!rhall be deemed ta amend �tnd supplenxnt the Mon�e. Dtecl of Trust. or Secu►t[y Deed (the "Security r la�trwMnt")ot ti�e�ame due�veu by�he uMktsijned(�he��Aorrower")to securc Hotrawer's Adjust�ble R�te Nae(the"Note"}to HGAiE � E�.iAY1MA�i l,QAM AilOCtATlQIM QF 0lUtMD ISLANQ. NEOIIA3KA(the •'LenQer")�f ihe s�me dsto and mverin�the Pr�=r de�ctlb�d W tAe 5�curltg in�trtu�neat an�!IocateR!tt: 222 South Pl�xn Gra�d Island. NE 688Q1 �_L l��Y Addre�s) Y1ir wle eNW�s �� dMwiy tae cM�� !r rU l��ee+eat n1e ui wr �t14 My�U.71M NN Y�M�tb Ire��y Ide�tal rak a�eN�e�!�q oae tl�e�� � dM tM rfW1�M1�/Ne�uia�rale 1�nl�. � � ADDITIONAL COVENANTS.In�ddiNon to the mven�n;s and a�reements made ia the Securlty Irotru�ent,Borrower u�d L.ende� Artl�oow�eM�nd a�ree a�fdlowr. , f� A. IM't�lSl'RA'[E AND MON7'HI.Y rAYMF.NT CHANGFS The IVote povida tor�n initi�l interpt ate of 9.?5 �i,Sec�jon 4 of the Note provldes for chaa�a in the interat r�te and the ; mootbiy Dqrmentt.a fdbrrt: 1. IN7ERBST RAT6AND MOMHLY PAYMENT CHANGfiS ' .. (AJ CMwe DNM � The inta r�te I wi11 p�Y msY chatue on the fir�t day of 7u� .!9��,�r�d o�tlut d�y every i �� moetlu therafter.�ach date on which my interest rate coutd chanQe is called a"Chanse Date." ' (d) 7be[Mdt - : BqinNN witA the rus�Chan�e D+tte,my iatercst rate will ts�based on an indea.TAe'•indea"is the weekly aver�ae yield on United Sute� � 7Yaisury securities Wjustod to�corotant maturity of 1 yar.as made available by the Fedeatl Reserve Board.T1x most recent indea flsure avaWbk af ot the dtte 41 days beforc each Ch�tnje Date is calkd the•�Cunent Index." � If the lnda�is no locqer availabk,the Note Hulder will choose a oew indea whfch is based upon comp�rable informatio�.The Note : Hoider�vill�ive me notice of thi�choice. � (C9 Cainbtl�W G1s� ;: _; _ Hefarc akh��DUe.the Note Holder wilt catculate my new interest rate by addina_��_arvFr� ''rrarf�D�eeetye � _;= j point:(�� ri)ro the Curreat lndac and rounQln�co cne narest 1 iBtA of 1�a.subJtCt[6 the tuttits atat�d ta Secdon qD)bNow. '1 l�i�r o u n d�d amoant wdU be my new interest rate until the ne�ct Chu�e Date. r— The Note Hol�_wlll shert dstornilne ti�imeunt af the moathiv r+av,nene�hae w�u��i tw•��s��.�.�..�,,,,�j;;f..r:.'!r ..^:rw.^�: :�r -- - - - - -- ----- -- w = - - . _ _ _ . � acpected to owre on that ChanQe Date in substanWfly equal payment�by the matwity date at my new interat rate.The resuh of this cakulation � . will be the new aawunt of my monthly�Nyment. . (D) 1J■Ii110�I�k�at Ra1e Clw'yp .� . 7T6e interr�t nte 1 am requirod to pay at the ftrat Chan6e Date will nat be sruter thu� 14.25 y� or less th�n ( �Df�.Tbawfter,my interest rate will never be increased or decrea�ed on any sin jle Chan=e Date 6y morc than�,1,. i' F1 om the rate of interest 1 have ban p�yins for the prcceding tweive months.The minimum interat rate on this loan will never be 1 ksf than_ 7.25 q�►and the arasimum interest rate will�ever be geater than 14.25 yi. . , : • � (�? EK�etlre Dr1e o�CIM�a ; . My ae�v interat rate will beoome eEfe�xive on each Chu�e Date.i wil!pay the amount of my new monthly p�yment beslmung on the first ��1Y P�Y��date afkr t1�e Chaa�e Date unc�thc am�unt of my moathly payment changcs again. ' (� NNioeofCW�p ,_,�` i 77�Kvte HoWer wdll mW or deliver to me a notict before each Change Ds�te.The noticr will advise ms of: ; (i) Ihe new interat ratc on my laan as of the Change Date; � �•{ � (u) the amount of my monthly paymrnt following the ChanRe Date. ; (ili) any additional matters which the Note Holder is required to disctosr;�1d ' (iv) the�ddress of the association you could contact regarding anp qnescions about the adjustmmt notice. - . 1. CHAitGFS�LIENS � Uaitorm Covenant 4 of the Senerity Itatrumerct is amen�lad to read as fouows: �• Crtp�;IJer.Borrower shall pay all taxes.a��.�nu,and other charges.t'u�es,and impositions attributaQ�to the Property which may . ; attaia a priotity over this Security Instrucnenc,and leasehold t►nyments oi ground rents,if any.�a the manner�ravidcii under paragraph 2 hereoi � as,it no;��Z;�d in sach manner,by Borruwer making paymenc.when due.direcdy to the p�yee theseof. Borrower shall prompHy furnish Lendet , a11 notices oY amount�due under this puagraph,and in the event Bo�-ower shall make�ymec�t directly.Borrower shall promDely furnish to Lender receipts cvldencitr,�such payments. Borrower shall promptly dischuge any lien whici� has priority over this Security Instrument; � howevu, Borrower sh�ll not bt reqnired to dixhuge any such llen so lon6 as Borrower: (a)shall agra in writing to the payment of the oblisadon seeured by such lien in the manner acceptabir to Lender;(b)shall in good faith contest sa�:ii lien by,or defend against enforcement of � 5Yi�1�Eti�iv.IE�7i�i�u�caiiil�3 ti'i}llCii Itl iie2 4�ilia7��8T Lcfi4'ci Crjii.�piC iG�tcvtiii i'`te c�ifi'iiCcrilci�i v�'fiFte iict'i oi°"vffciiutt u�iiic Froprttr at 37�y .--_ __ part thereof;or(c)shdl secure from the holder of such lien an aareement in a form satisfactory to Lender subordinating such lien to thi� Security Itutrument. , � . If L.ender determ)nes that all or any part of the Property is subjat to a lien which may attain a prioricy over this 5ecurity instrumer[t: , Lender sball�ive Borrower a nodee identifying such lien: Borrower shaU aatisfy such lien ar take one or more ot the actions sei forth atuy�e � ' within ten days of the giving of the notice. � C. NOTICE Unifomt Covenurt lA of the Security Instrumem is amended ta read as follaw�s: 11. Nofke.Except for any notice required under applicable law to be gi�en in another manner.(a1 a!:s r.�•sce to Borrower ptotiidcd for in th�s �� Stcurity Instrument shall bt given by deli�•ering it or by mading it by(ir;t dass mail to BorroNer at the Property Addre�s nr at such other addre�s as Bonowet may designate by notice ro Lender as provided he�re�n,and Ib)any nrnice ro Lender shal! be gi�en by fint clas�mafl to I ender'a ' '�` r.. addrescstated herein or ro sueh other addretaac 1 en�ier maydeugr±ate by notur tu Borro:rtr ac�+:a��dc�herui� :1ny m�i�ce�ro��Jcd ior�n;h,. � 5ecu�ity Instrument snali ne dermrd ra hasc bccn given to Burro�+er or I cndcr�.hcn g�tien�n the manncr de.iy,nated hcrein � — __----- -- W s --- . �. ,� .; t :_4�...• .. . . -s:•� .:��.-+t�G}+�,�i - _ . ..... -� , _ —:r -------- ' -.,.�-._._ -- -- � --' -- — �'(-1 1Z.cCm�+" .��y ir-_.— �. � . 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