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<br /> �F.� � • (I lfenr'I ten�ury Imtex—Itnle (:n�►�--I�Ixcd Itnle �:oaacrsinn ppUno) �:'�:
<br /> —_�-•
<br /> W.�.�T�i�, .a
<br /> ` '. . 'I'i115!►UJUS'1'AULI3 fiA'I�L RIULIt(s oinde Ilds �Oth dny uf Se�tembe� E=:'
<br /> �
<br />�,e,.=i•� -�. . '" 19 94 ,nnd I� I��cor in�elecl Into nnd shnll be dca9icel lo Puund nuJ su i�le�nenl 11►e Morl a e. Ueed oI'I1uet
<br /> •.k� .:�n.�;��,�� . 1 1 I � A
<br /> - '°��``;'';�`'.':' ar Secarily I)eed(U�r"Secu�lly li�elruoie�d")u�Ifie�mne clale glveu by Ihe tn►dersi�neJ(Ilie"Uurtuwet")Io eec�ete ---
<br />-- 4��.y . . ,��• Uarra�ver'a AclJuslnble l2nle Plote(Yha "N�la")10 -�_-
<br /> _;.i,_: �
<br /> �'����' • � •� - OOLUh6US FEDERAL SAV IN(3S BANlG (tl�e"Leadc�'y of Ihe _--
<br /> �''"' � snme clnle and cove�l�►g Il�e prnpe�ly desail�ed b�ihe Sccu�f�y hialrumcnl n��J Iur�led nt: -
<br /> ';�. .. .. . --
<br /> `. , ' 409 S MADISON STREET aRAND ISLAMD. NE 68601 --�
<br />-- . �I'rupeily Add�es�� �
<br />� ' T61E�OOT�CONTAINS AQIOVISIONS ALLOWINO FOli CFlA�JOfE� IN t11E IN7EIiE6T(lA7E �:
<br />_` ; /1ND TFlE MQNTHLY PAYMENt. TIIE NOtE UMIY9 YFIE �MOUNT �'HE BOIiF10WEli'S
<br /> �`y , ' ' •• ADJU3TABLE INtEPtEST hATE CAN CHAN�E!!t ANY ON�71ME ANd THE MARIMUM
<br />� i�Al'E TIQE 8OPi190W�9i MiIST PRiY.�ri6 iYUTi"c Ai.�a CfDN�TAINS vO�E OPYt�ii�D Y6 C6i'�iVEP9T =
<br /> y._ ,� . THE ADJUSTABLE iiATE TO A FIxED(IAtL. _
<br />_ ��.����_:
<br />. t . �� AbUI'Itl)NAI.I;UV['sNAN�l�S. In nddUfun lu�I�e c��vennnls nnd n�iea�rcms u�nde In Ihe Secu�Ny loixUtnnenl. —
<br /> '` ' „ liorro�ver nncl I.ender futlher c<rvennnl tmc) ng�ee m fullo�vs: �-x�
<br /> ��.:s-.
<br />,� A. AU,lU9'I'Alll.!'s ItA'1'L ANI)MUN'I'lll.Y 1'AYM�=N'/'CIIANCIS K_,._
<br /> '1'I�e Nale ryruviJe� for �i�hiSliol hrierest rc�te of 6.7500 ele. '1'I�e Nole providen fcir cl�nnge� �'"-
<br /> , �. in tlie adjus�nble taleres� tAle nnd U�e oioi��hly ��aymai�s, ns follo�vs: �;-
<br /> ��.'=
<br /> 4. AUJUS'1'AliLl; iN7�[sncs�r �in�a��; ANI) AIVN�I�IILY 1'AYI►1t'sNl' CIIANCiS r"'9''^=..
<br /> [w-;
<br /> - - � f A1 Chu��oe bde� �?_'_
<br /> '1'he nd ustable iuterest tnle 1 wSll m me clim� e vn Ihe flrsl cla vf �tobe►" p����-
<br /> 1 i r y � v , �..:--
<br /> _ 19 95 ,�nJ an U��t Jay e�ery 12�h u�onili Ihereafler.Cnel�cl:ne on wl�icl�my ndjaslnble Inte►es1 rote cnuld chn��8e ��:r'
<br /> is cAiDeJ a "CItA�Ig! Dqll." ��-
<br /> ��'' (Il) 7'he Index =�-
<br /> 1legi�miug witb the firsl Cl�no�e Uate,�ny ndjust�ble ii�lerest rnte wlll be bascJ on nn IttJex. 'I'I►e"Inclex"is/l�e �.�
<br /> � weekly overAge ylelcl on United Steles'1'icnsury securille+eclJusled to a couslnnl n�atarUy of I yenr,es mAde nvailnbfe �„�;�_
<br /> ' • by Il�e redera) IteservP Uontcl.'1'he mosl receat Indea�Igu�e nvnilable ns of Ihe dole 45 Jnys befnre ench Change Unle ��f��`
<br /> i�cal�e� the"Currait Index." �"'.^'`"
<br /> 1 f Ike InJea(s i�o Io��ger nvnilnble, Ihe Nole IIoIJer �vill cl►nuse n new inclex whtch ie based u��un campnrnUk f
<br /> � ' � iufornmUon. 'i'he Note I lolder wfll give me no�ice of Ili{s chvke. L�.r_
<br /> ,�..TT..
<br /> (C) Cetc�dMtan uf Cban6en ''��
<br /> � llefore ench Cltange LDale,Ihe Nole 1lolcler�vill cnlcul�te my new Interesl rAle by edJing �s°'
<br /> 2.8750 pe�ceningc U�Inls ( 2.6750 �'�)to ll�e Current Index. �
<br /> ° �• 'Che Nnle Ilolcler�vHl ll�en r000d Ihe�e�uU of Ihls addlUou lo tl�e iienrest n��e•eigl�tlt of one percentage nohU(U.IZ54fi). -
<br /> � Subject to llu Ilmile slnled in SecUon 4(1)) below,U�Is raw�JeJ mm�uot wlll be my new Intere�l rale nnlU lhe nexl
<br /> . ' '��:ti� Cl�a��ge Unle.
<br /> '•''� 'I'lie Note Ilolder will then Jelennine lhe mroount of lhe�9tonlhly pnymenl thot would bc suf�icient Iv repny tl�e -
<br /> ., .
<br /> _ � . . unpaid principa)lliat [ ntn expecle�l lo owe al lhe Ch�+uge U�ae in tttll on lhe malutily Jele al �ny na�v inieretl�nte .
<br /> • � in substflnlinlly equnl naymei�ts.�'he result of lhis calc�ladon wlll be the new nmounl of my monlhly pnynunt. ':
<br /> ' (U) Lbnllt au Inlereal Itnle Cbanges
<br /> �: '1l�e inleresl rnle I n ired ln pry nl Il�e fi�sl Change p�ale will nol be gienler 11►nn 7•7�a00 0��
<br /> '•` ' or Icss ll�an �'Y�B� �Io.'1 lierenfler, iny ndjt�s�nbic h�teres� re�e will never be hurc�scd vr dccrcasecl
<br /> on any single Cl�ange bnle by mn�e Ih�n one t�cranlage poinl (1.OS'o) lrou�Ihe�r�IS�bbiqcresl I hnve beei�pnybig
<br /> � � ,, for 1 he preceding 12 nto�Ul�s.My inleresl►ale will never be gte�ter Ihnn °!e,whidi {s c�11eJ �
<br /> thc "Mnximum ltnlc".
<br /> _ (1;) �Ifrclivc l/nle nf Clinnges „
<br /> r My ne�v inlerest rate wfll become effecUve on encb ChF�uge Uale. 1�vill pay�I�e amount of my new monlldy pnymem
<br /> •- ,• � begirndog on the f{rsl mnutl�ly pt+y�neni dnle nfler Ihe Ci�nnge Unle unlil Ihe c�mnm�t nf n►y uwnlldy pnynuiil chnnges
<br /> . ngntn.
<br /> (r) Nullce of Chm�gen ' �
<br /> 'the Note IInIJer w10 cleliver or meil ln ine n no�ice of m�y clmnges in my„clJnsinble imerexl rnte noJ ihe nmc�unl
<br /> � � of iny mvtillily�,nymenl befote Ilie e�ferltve Jnle of n�ry cbnnge.�I I�e nulfce�vlll incluJe htfntmoliuu�equfiecl 6y In�v
<br /> - ---�------ --,..- .. . -.! ...1.��1.........�.....1..1...�1.��L1�.....t�.1...6.wo�u�ml�nr nf n un�enu w6��wlll nue�vnr n�w auaellnu 1 uuw 6etvr t�oa����Im - .
<br /> ..�....... �......._.......__. _. ..,._..._.. ... .._...._ .. ...-� •.•--_.._. .--•-• -
<br /> -. , ___�__.__.._-_____ av v�6.........�......o..�v. ......�.� -. - -v . v
<br /> " ; " ��It IIOI�tC.
<br /> ' � II. I�IXI"sU IN I ItIt1�S l' ItA l l; UI''l l()N
<br /> � 'fhe Nnte pivvides for Ihe Unrtnwer's aplivn Io coiiveil from e�u nJ�uslnblc liile�csl tale wilh hilerest�:�Ic limilc
<br /> : ° to n liaed In�.eresl rale, ns folln�vs:
<br /> �
<br /> :� S. NIXCU �N'll;ltl'sSl' ItA'IL' C(3NVCIt51UN VI'l IIIN
<br /> • „ (A1 UpUun In C�roverl to Clxc�l Ilnle • ;
<br /> • I hs�ve n Conversinn UpUan Ihnl 1 can exe�clse uidess I nm h► clefaop or tliis 5eciion S(/1)�vill n�i penuil me
<br /> �o cl�so. 'I he "Cnn�ers{an Uplivn" is my nplina In Converl Ihe h�lcresl it�le I nm iequired Io pny by Ihis Nalc fium :
<br /> ° mi�eiJuslnble rnle w{II� h�leresl tale Iimtts In Ihe flxeJ�a1e cniculaled anJer Sec�ion 5(Il) bel��v. •
<br /> � 'rl►r couversinn cnn only loke plRCC on n clale(5) speclfietl by llie Note Ilulcler du►ing Ihe perluJ begiimluR an
<br /> � Il�c(Iral Choudc Uide nnJ ending nn Ihe tlflh Chnnge Unle.Cnch dole on�vhirh my ndjuslnble Intcresl inlc cnn cnt�vcrl
<br /> to�I�c new fixed rnle is cnlled Ilie "Coi�vcrsion Umc."
<br /> � MULT�ATAII: 11bJ1I3TI101@ ttA1�ItIt1Et1� AIiM f`111N G)-Sinql��mnlly tmnJn Mnn U�Jlonn In�UUmnnl �onn 71 18 1 2101
<br /> .. a�i+\ nnr� .�.. ....�......�.........�...e. ..��.•n�n�IVS . �nnn�a�� tfn.
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