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, . . . . � � ADJUSTABLE RA"1'E RIDER 8��" i O�4 O� (!Year Treasury Indea-Rate Caps) THlS AllJUSTABLE RATE R1DER 1s made ihis �� day of No VembeT ��g A9 � � and Is incorporated i�to and shal) be damed to amend and supplement thc MongaQc, Deed of Trost, or Secudty Deed (the "Security InstrunMnt")of ihe same date�iven by Ihe undersijned i�he"AUi'lPWif'7 ta secure iiarrawor's Adjustabte Rate Note(the•'Note")to HOME FEGEML�AVIN�S i LOAN ASSUCIATION OF QRAN11 18LAND. NESiiA8KA(the "Lender")of the same d�te and coverin�the property dtscrlbed in the Security Instrument and tacated At: , �,Ze R. STr�pprB� L'irac�d ��land. Nebrask� (Pruperty Address) � TW �ote co�Wr �ovidwu �Yowiy tor c1��p h y i�knst nte ��i wt �N�y pay�ab.T�b�ote also U�It�t�e s�o��t sy I�terat eate ca�c�aa�e at��y o�e tia�e s�d � �Ys t�e�MI��Ml Ue�i��rak I w�at py. � ADDITIONAL COVENAM'S.]n addit�on to the rnvenanu and agraments m�de in the Security Instrumont. Bonower and Lender furttscr cavcaaAt and a�c�s fal2aus: A. IM"'s.R�T RATE AND MOI�THLY PAYMENT CHANGES jThe Note provida for aa fnitl�l interat rate of 11 .5 q�_�tioa 4 of thc Notc pror�des for changes in the interest rate and the � monthlY MY�nu,as foAowa: { � 1. !M�'REST RATE AND MONTHLY PAYMENT CNANGES (A1 CM�e Data ; The iaterest rate 1 wIQ pay may change on the first day of December ,19�0 .and on that dsyevery � tj��pl Ve moaths thereafter.Each date on which my interest rate could change is called a"Change Date." N) Tae Iadex He�nnin�wIth the first Chanae Date.my interest rate will be based on an ladeac.The'7ndex"is the wxkly avera�e yield on United States 7Yeasury securitles adjusted to a constant maturity of 1 year,as a�ade available by the FederaE Reserve Board.The most reant Index fi�ure available as of the date 15 days before each Change Date is calted t�ie"Curcent Index.^ , _ If the Index is no lon�er available,the Note Holder will choose a new index whlch is baud upon cQmparable informadon.The Note � � Holder wiU�ive me netia of thls choia. + 3 (� Cale�Ntlo�of Ci��ea �.. � Beforc each Chan�e Date,the Note Holder wlU calculate my new interest rate by adding peraata�e � -- -- . � points! j•5 9i)to tho Current Index and roundiag to the nearest 1/8th of 19i,subject to the Iimits stated in SbCtion 4(D)tkto�v. - � 71iis rauAded amounc will be my new intuest rate until tde aext Change Date. .�, j The Note Holder will then detern►ine the amount uf th;monthly payment that would be sufficient to repay in fuU the principal l am - � expected to owe on that Change Date en substantially equal payments by the maturity date at my new interat rate.The result of this calculation � will be the new amount of my tnonWy payment. (D) IJslt�o�I�tenst liate G�sn=w , 'I'he interest nte I am required to pay at the �rst Change Date will not be greater than ��y,� 4i or less than = � 9.S N`.Thaeafter,my interat rate wiU never be increased or decreased on any single Change Uate by more than t�� ^p�nt from the rAte of intercst i have been paying for che prcxding twelve months.The minimum interesc rate on this loan wiU never be i , less chan •� 9i and the maxlmum inurest rate wiU never be geater than �6•� �1e. (�7 Eltadve Orte ot Cbaates My new intertst rate will becomt effc�ctive on each Change Date. I will pay the amount of my new monthly paym4nt beginning on the f sst .,,� monthly payment date after the Change Date until the amount of my monthly payment changes again. _ .—�•-:-�. (� Nodce ot CY�esa '�'�- � The Note Holder will mail or deliver to me a notia before euch Change Aate.The notice wiil advise me of:. � i (i) the new interest rate on my loan as of the Change Date; �. _ i (ii) the amount of my monthly payment following the Change Date; : . (iri) any additional matters which the Note Holder is required to disclose;and (iv) the address of the associatlon you could contact regarding any questions about the adjustment notice. ` ' B. CEIARGES:L.IENS Uniform Covenant 4 of the Security Instrument is atttended to read as foUows: 1. ChatYea;I1ed.Bonower shall pay all taxa,assessments,and other charga,fines,and imposicions attributable to the Ptoperty which may attain a priority over this Securiry Instr�unent�and leasehold payments of ground renu,iEany.in ti�e maaner provided under paragraph 2 hereof ' ot,if not paid ia such manner,by Borrower making payment.when due,directly to the paya thereof.Borrqw-er shall promptly furnish Lender all notias of amounts due under this paragraph.and in the event Bonower shall make payment directiy,Bortower shW ptomptty furnlah to � Lenda receipts evidencing sueh payments. Borrower shall promptly discharge any lien which has priority over this Secnrity Instrument; however, Bonowtr shall not be required to discharge any such lien so long as Borrower: (a}shall agrce in writing to the payment of the obli:ation secured by such lien in the manmr acctptable to Lender;(b)shall in good faith contest such lien by,or defend against enforcement of such lien in,le=al proceedings which in the opinion of Lender operate to prevent the enforcement of the►ien or forfeiture of'the Property or any ; part thereof;or(c)shall secure from the holder of such lien an agretment in a form satisPactory to i.ender subordinating such lien to this Security Instrument. � It Lender determines that all ar any part of the Property is subject to a lirn which may attain a priority over this Security lnstrument, • Lender shal)sive Botrower a notia identifying such lien. Borrower shall sadsfy such lien or take one or more of the actions set forth abave wilhie tm dsys of the giving of the notice. � C. NO'l10E Uniform Covenant 14 of the Stcurity Instrument is amended to read as follows: � 11. f�otlre.Eacept far any notice required under appticable law Io be given in anather manner.(a)any notire io Borrowrr preroideJ fn� in thit _ Sectuity Instrument shall be given by delivering it vr by maihng it bp(irat clacs mail to Horrowe�at the Property AdJres�or at+uch uthcr addresti as fiorcower may dreignatc by not�cc to 1 cndcr as pro�idcd hcrein,and Ih►any naticc tu I cnder�hall hc g�vrn by fini cla�ti mu�l t��1 cndcr'� �, ` addrrtis stu�ed herein or tu�u�li o�"tier aduress<<s 1 Cndrr may de�iKnatc hy nc�i�Ce tv lSo�ruwer ati ph��idcd herci ri.Anq noli.c�r��dcJ I��r iu ihn titc anty Inetrurnent tihall bc deeined lu ha.e heen Knen tu{it�rrt�w�e ur 1 eneter wherti�i�en io thc rnanner de�ign.de�herc�n �