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<br /> AUJUS�`ABL� RATF �t1i�ER gp�03825
<br /> (i YearTrcasury Index•R�teCaps►
<br /> TNIS ApJUSTAHt.E RATE RIDER i�madr this_� z�da�af �� �une _ __ _��Q gp � �
<br /> �nd i� incarponted lnto and shalt be�k�tmK9 ta amcrd and supplement thc Mortaaye, D�etf ot 'I'rust. c_►r�cu�i�Y �ted i�be "SecuritY
<br /> le�tna�Y')af the st�e d�it��ir�ett by tf�e utkkrsi�nai(the"Fc►trc►w�")to serure&•rrower's lldjust�hk�tatc I�iatc(�hc"Note"1 ta HOME ._
<br /> � ��AVINOi A LOAN A�BCIATION OF Qp,ANO ISLRND NEARA3KA(the "Lendet")of tNe same d�te and coveriry�he
<br /> iK�EY�iei��riba!in life Sec►;rit�Irotrumrnt�u�ct Mcateei it:
<br /> 262a W. Cottage, Grand Island. Nebraska 68803
<br /> (Prope�iy Addras) ! �
<br /> 7'Y� Mle ea�MM� �e�e�bM� MM�vI� t�t eMr�e� i� �y i�k�at n/e �wi wy �t47
<br /> Mr�a.Trh N1e�Mwtls t�e a�Nal wY Inlerc�t t�le ca�ci�Ke�1��y ore Ilwe sn/
<br /> , aY�����I 1Me�uhww r�k 1�at My.
<br /> ADDITIONAL CpVENAN7'S.la�dditlan to the covtnant�c and aaraments made in thr Security Instrument.Borrowe�and Lender
<br /> � ftutl�et rnvenant aad yree a�tollow�:
<br /> ;
<br /> ' A. IM�7 RA7'E AND MON7'HLY PAYMF'NT CtlANG6S
<br /> Tbe Note provides tcx sn initial interai rau af____�� •75 �'�.Seaion 4 of the Note provides tar char�a in the interesi rate and the
<br /> monthy payaima.u follow�:
<br /> � � 1. /NTBR�ST RATE AND MOMHLY PAYM�lYT CHANG�S
<br /> ,r lA) (•�Ilpe D�INs �
<br /> ' '�'t�e interpt ratc 1 wiU pay rttay clun�e on the i'irst day of_1u1.Lr ���q 9�
<br /> ,and on th�t day every
<br /> t1liE1lL@ mtmlhs tAere�fter.E.ach date on which my interest rnte cau(d change is called a"Ch�ngo ppte."
<br /> (f) ift IMex �
<br /> Be�innip�with!ht first CMnje Date,my interest�ate w ill Ae h�scd on an Indc�ti.Thc"Indrs"iv the wakly pverAge yield on United Statea
<br /> Trouury socuritid�aJusted to a cc�nctYnt matarity o!1 year,at madc a.ailable by the Fcdcral Resen•e tioard.The most recent Index Fijure
<br /> 1►v�til�bk a+of the dau 4S days bt�orc each Change Date Ss called the"Current indee."
<br /> If the lndea i�no ton=cr�v�{lable, the hote Holder wi11 choosr a new mdex which is baxd up.�n com�rable information.The Note
<br /> i
<br /> Holdrr�rill�ive me ncxke of thi�cha;e. �±
<br /> , lC) CNt�N�N p�yee '
<br /> Befote pch Chan�e I�le,the Note Hotder witi,:alcutwte my new intercct ratc by addinR.f�g��_.pp�,�hal f_�pn,mta=e °`.
<br /> - -�- -
<br /> - _ ' -w•�i.:.=.3.�-;---;:--=-'+�jivti9r�v*m:c i�+[r�0 rauisdrrt�[i�11fe fk�resi 1�Eili oF 1�•,subjc�ct tn chc fmir.custcci in�+cction 4�D)btlow. _ ___
<br /> Thls roueded sosounl will be my new interest nce until tAe next CR�n�e I�ace.
<br /> � 7'Ae Note Hotder vrill thtn determine tt►e amcwnt af tht monthly p�yment ihat would t+e cuf(incnt to repay in fuU the principal 1 am ' --
<br /> apected to owre on that Chan�e Dnte in substantially equal psyments hv the maturiry d�te�t n►y rrcK�mtrresi r�ta The result of Ihis catculation -
<br /> vrill be the new amoue�ai my monthlY p�Ymem.
<br /> (Di Ii�iW»IMe►at ita�e Cl�ayes .
<br /> 7'he intetest rate 1 am tequired to �y at tiic fn�t (hange 1):uc t�ilt not hc greatcr than ,.1.��7�1_._., _•°� �r lrs� th�n
<br /> ; �' �i.Thercafter,my intetcst ratt Kill nc�er hr�a�reaud cu decrc�+cd on anq vnpto Change Uite Ay more than�yp_.��qt
<br /> : ---�.�a+tj-...,fromthet�ltofintecGCtlhyseAcenpaymF(nrthcprrrcd�n..iwnc�munth. Themin�mum�nie;e�tratronth�cloanwdlncwerbc �—
<br /> ksstAan-_-- 9-� �y�thetttuimum mteresl rate v►ill neecn c�grcater U��n 1 fLQ __... . �'o. —
<br /> (E) Effectire IMte M Ga�ta
<br /> My rxw interest r�te will becamr ef(ertive on cach C hange Uate !w il I p3� thr amuunt vf m� r.eu rt:����hh s+ayment hrg�nnmg an chc Firct
<br /> monthly paymtnt date aCtcr thc CMan�t Aate umd Ihr amour,t ut'my mc�n�hh r��:*�rm�han�e.a�a�n s
<br /> ' (6') Nutk�t o!fsaw�es
<br /> 1'he Not�Holder will mail or del��rr tv r:ze n r.otice hclore e�c;��,t���n�r Uate I he��c�:+,r u:Ii ad.ne�ne nt '�-
<br /> (i) thc new�nsrrest ratc on m*.Icran e<<�t�►tic l ti�otc E:rc, --
<br /> ; (i�) theamauiu uf my mensAl�pa�me•1l}�fIIJHIf�C 1FC(�I?5:��;c 1�_�fc. ��
<br /> , (�ii) am a���tiona{maiters Nh:�h the 1�W.:Holdc��.�c.l�urc�i���d�..Ir�e.ar��l
<br /> ' : (iv) thewQdrtssof theassociat�nn�ou.:_;::;,i.�,n::.i.t�c;a��f�nt:.�n.y��c,��,•r��:.,r.,�u•t`:c�J�u��nicr�::�vti.c.
<br /> S. t'HARGFS:I.It:tis
<br /> Uni[otm Cotienant.i uFth�tinua��y I�a.r.un�cnt i=.=.:�.::•.,c:1 tv re.:d::�.��::t.,•:.ti
<br /> 1. ("rar�es;I�etu.Ko:e:^�er chall�.�s all iaxer,a��r•s�E:cn�s,arr.t��:hri :harK,- '`:c.. �r.a�m�u,:����».e��r,hutohle t��il�c f'*.•�:rtti wh�ih r.:af
<br /> altain a priority over th�s 4e<w�t>•1:•_�.r„tnent.anJ Ic_iar)ic�fil�.�prnet�t�„t F�r.�urJ t.�u�.:f am..rn tt:c m.i�tt:re�nu�adtd undc�r.�-erraph?,hereut
<br /> or,if nat pa�d in such mannc�.hy 43�*zr:.�cr rnaAing ra}ntcnt.aF.cn d��i.d�r<,:S� �„ihc p.r�c.;ncec,�1 l3r.f��,arr ,hai� prnnr-•1y!�rm,h [cndcr
<br /> a{!notices oi amuuntt duc unGf[ti:���sa��;tarh,at�d�n the cticnt ►S.�s�u:�cr �!;.iil m.�A��+.r,inc��t d�rn.ilv. Nutrnwcr ,!�,ill priupptR fus.m'*.t:�
<br /> I_ender recriptc e�id�PC'ng SUi'.1 p:1}illCfil�. F.i>>rr.�ttir,; yh:l�� (stirtllp`1) �1.�.�ti.i•..• ;;y� I:t•�� ��Eu.�: t�,i� �•I'�+7."+ :•LCI '!CC 4C,i:��R ]r�:(•�^:t.^,i,
<br /> haw�e�Ct, BorlPNrr �ha'.: tFUt be rc�u:�ed�.� .l�ca:�sr,:�e .ir.y �u.1� I.^i �� l, �� ;., :i.•r.,��,cr es1 •���+11 at-�r .r w.d�r;�i� ��..• po}rnrnt .. :.^,r
<br /> obligx[ion ac.urec3 by vu�li Len u��t::r.;aan;r a,teptah:c t„1•:::�Sr� ..Tt,�ll in t„��J l,�.Eh.,��,tr.� ..h I�c-r, I�ti.��: �t:lin,1 at;s.�. :cnf�>r�esnent„f
<br />� su�h t.itnin,tcLalnrewx�f.'l�uu.wtv��h.,.::�•'�c<<pi�;inn.,l !r��dr�,.;-�i;..�„f,;c••ent:�r,rnf��r.c .�eur��r Un l�:,�i,�1���tnt�..•r.�'�;�!'rr�,-`rty or any
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<br /> part thererf:nt Ic1�.hall cc:ure tr<<rn ttoe I:n1�rr uf �a,D i�er .�n^c-ccar.er.� � . ,� i,�rn: •.,i,;f:�,t��rv �,, I c�u<u ,uM�:.3�n.�•rny +u.h :�rn t�,:...
<br /> 5awoty Im�rumr�t.
<br /> If f cnd�r de�cttn�nes Ihat all+�r ar:��ar� ut il:� pr.,;��t. iti.,�l,�c_t t�,,� I,cr .�I��iti n::� .:���u,���..�•,r��y .,•.rr �hn ti:�.,r�i� ln:;t���ue:,�.
<br /> lendrr chaU g�ve liusruwer a m,ticr, iSentd.u�.=wch l�en FIUSf��Nr� �l��il S.�b�.Sy .u.l� I�rn„r ieF� ;�t;r��: �n��rc �•1 it.: a.tu�r:,,�: ;nr�li ah���i•
<br /> wf�hin tcn dayc nt�hc g��ingot�he r,oci.c.
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