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<br /> �'T� �� �;;:•:�� 'I'l IIS AUJU5'1'AUL[i!aA'I L !l,!)l3ll Is mncie Ilifa 3r�1 ciny nf (��� .
<br />!M�;_,'-:�:. . _
<br /> -•--"` i 9 94 ,and I�Incorputaled lida�ud shnll 6e c!cc�ne�l tu anuod nud g�qt�tilfinent ihe F/Iortaase, l3ceQ oi'i'ru�t •
<br /> �_,.�„ s'. �i, • �r Secorliy 1)eed�Iha"9ecutNy I��elrinne�►!")of Ihe Anm¢dele glven by Il�s anda+l/.iiecl(Iha"13unuwer")ta eeeure
<br />-_�_ �,--,�, .�..�;��;,� ,
<br /> - -�: •t��=� � Uuri o�vet s Ad�oslnble ttnle Ne►le(IO�e"Note")In
<br /> == �* (Ihr "Lender"�af Ibc
<br />----.--- ��'��. 00l.UMBUS FEDERAI. SAV 11�4S 8l4t�K �
<br />���'�s`�"'"�"- �`� " snnze dnte ond cove�in Il�e ttu�erly Jesc�ibecl lu 1+e Secutlly hislnimenl nnd IvcalerJ et:
<br /> ��:.-,���, �,��c�` g 1 1
<br /> YYl1I3ATI/.�'�"M1���Ai.t_'!.�, � ,___.
<br /> __�-��`�v;;;<<f',s�;�-�a.�
<br />;�_�'='-#'�:�`;�:��#, 4166 RED4HOOD OOUR3' qiAND I Sl.AND, t�E 68803
<br /> -tizr'���'�� �io',�,�?;uj. �1'rupeily AdJie+��
<br />� ''`�'�'1�:•'. ,��' TFIE NOTE CONT/11NS PR�VISI01�lS ALLOWINO�UFI CNANaCS IN 71�E INTEtiEBt i1p7E
<br />:� .,:+,..'..: ...,.�::�,�' :
<br />,�a y�:�`a��:.�;.�: /aND TIIE MOI�THLY pAYMENT. 71�1� NO�'G LIMJIl'S TNE AMOUNT THE BUhnOWEli'S -
<br />��'�'�"" ''��' r� ' •• GIDJUStABL�INTERE9T RAT�CAN �HANOE AT ANY ON� 'fIM�AMD 7HE MpXIMUM
<br />_;�$".,ti.cl��,,•'•.�:.'
<br /> �jy M,�,.,�y.,:�,,. Pi�i�'�TI OE�aPEt�tAWEO�Nl�.JST�AY.7HE MUTk A�LSO COfdTA1NS�N��PTIQIV TO CONVE(lT .
<br />��.. �.T��.�`y: ..
<br />-=__y,�. . ,�;,. ��„ 71�E AUJQISTABL�f9AT� TO A 1'IXED (1ATE.
<br /> 1�';�+ � ,.
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<br />��'!��w;. ,,,.� _ .• A11U1'I�IUNA1�t;UVI".NAN'13. InncWi�{un la Ihe cuvenanl9 ni�d n��ecmems mitde In Il�e Secu�iiy h�sl�ument.
<br /> - u �._��, .• ,.�;�•' . --:-
<br /> � Ilnrru��cr m�cl I,et�der furll�er cavenmd n��J nFtcc ne fnlluwa: t;;e.,
<br /> T�' �,.�:a
<br />-'y.:. :: • A. AUJt19'i'AIILir ItA'fl', ANI) MUNl"IAI,Y i'AYMI;N�1' CIIANCI.S -
<br /> i ' •' • �
<br /> j„ ` y :. 'i'6e Nole provide� far nn h�itlal luleresl rnlc of 7.U000 °!o. 'I�hc Notc ptovidex ta�cUnnges
<br /> . „ �" in the nclJt�slnble Interesl �ele r,�iJ tl�e monlhiy pnyme�ilt, ns �ollo�vs:
<br />,� . . ��
<br /> � A, AU,iUS'1'Al1�.1,�N�r��ecsr �sA�r�'s ANU f►IUN'o'111,Y I'AYM!'sN7' COIANIL'I:S =--
<br /> �T�'-
<br /> " IA1 f'6an�e Unlee
<br /> .' . " 'I�Ite adJuslnble inlerect tnte I wlfl pAy mey cti�nngc nn Ihe (l�st day of Novembd' �
<br /> . ';'��:t �q 95 ,nnJ on lhal dny every 12th n►cmlb Iheienflee.Cncl�dnle vo which my ndjuslnble I�iteresl rateccn�id chn��ge
<br /> -� .
<br /> � le cAl1eJ n "Clmnge Unle."
<br />� �:1. . R.;:-
<br /> .. (��) ����I! �1t�lII ''.:
<br /> . ' Ileginnfug wilh Ihe firsl Chouge Unte.my ncl)uslable Inlerest rnle will bc bnseJ ou nn Index.'I'I►e"Itulex"is 1!u �_:._
<br /> �veekly avetegc yle1J vu Uniled Slales 1'►cosury securittes ndjustecl Io n conslnnl maturily o� I yenr,aa made avail�ble =
<br />, by 1he 1'eJeral Reserve Uonttl.7'he mosl tecenl Index flgtuc ovailnblc as o�Il�c dnle 45 Jny3 l�efnre ettch Changc U�te F
<br /> • is cnlled tl�c "Curreut InJex." -. �
<br /> If U►e InJex Is no buger avnllnble,Il�c Nole Ilolder wll) cl►uuse a new index wlifch{a bnsecl upun ccr�n��areble �`�-
<br /> � h�formntion. 7�ie Note IIo1Jer wtll give me nolice o� Ihis cl�olce.
<br /> '' .i (C) Cnlcul�llou nf Ct�enee`� `—
<br /> � Ile�ore ench Chnnge Unte,il►e No1e I lolder wNl cnkulnle my uew iiNcresl rF�lc by eddlag d�`--"
<br /> - ` 2.B750 pacentage pvinis( 2.8750 �'r)�u ti�e Cs;s:e�i index. �"
<br /> " 'Che Nnte 1lolcler will llron round lhe rcaull of thls aclJilion l01he uearest oi�e•e{ghU�of one percenlege point(O.IxS�le). �"
<br /> � ' Subjecl to tl�e Ilmlle �leted In SccUooi A(�))belvw, ll�la rouncled emnmd will be my new interest rele until tl�e�tex� ����=
<br /> , CIIAIIg� UIIIC. �m�
<br /> • • 'I'be Nole Iloldcr wlll llun delerndne Ihe mnount o�Ilu monUdy pnyincnl Uint wou1J be aufffr.lenl Iv repny lhs ;�:
<br /> �' unpnid principni limt l mn eapecled lo owe al the Chnnge Unte b� full o��ll�e malurily date pt nry ne�v Inlere�l rale �:w�,.,
<br /> ?` b� subslanUnllY equnl paymenls.'1'I�e result of llds calculaUon wHl be Il�e new�inamil of my moulldy etnymenl• "'"`
<br /> _� -�
<br /> . (1)) I,IndN ou Inlereel Ilp1e Chen�e� S.ODQO '���.;
<br />_.7� '11�t(ule�est tnle 1 nu1 rec�uired 1�pny nl llre fh sl Clmnge Uale will nol bc g�ehler U�un °o :��
<br />= � � or less lhan 6.UOOv oJo.'I'herenfter,�uy eJjustnble inle�resl rnte wNl never be lucre�secl o�Jccrcnsetl �`.�
<br />' �. ' ° " un aoy single CE�nngc Unle by nio�e Ihn��cne perceul�ge�rofnl (1.Oyo) frou� Ihe rnlc of IntePett I Onve becn pa;ing .
<br />= tar Ihc���eceJtng 12 nwnlhs.My inlcrest tatz wili never be g�eolcr I lmn 11.0000 4n,��hlcl�fe c�ItcJ .�
<br /> �t`;
<br /> �. the "Moximum Itnte". �`�.
<br /> � �� (1;) I;ffeclive Uale uf Cb�ugca
<br /> My new interesl rnle wUl becomc effecUve on e�►ch Chnngc 1)nlc. I wfll �iny Uie mnount o�my ue�v tnonlldy D�Y�»E���
<br />-- begimil��g nn llie first monUdy pnynient ciale nfler Ihe Cl�nnge Unle tmlfl tl�e��mouul of my m�ulhly pnymeol clinnges
<br /> � ngain. . � ��
<br /> o (r) Nulice ot Chm�pc� �
<br /> • ' �� • 'I'I�e Note I lolder will deliver or niail lu aie�nnllce of tiny clmnges i��my �ulJn���ble inleresl rnle anJ Ihe��nrot�nl
<br /> ' # - of my moulldy pnymenl be(ni e Il�e e�ferlive Jalc of noy chm�gc.'I'Irc nollcc will Include fnfvrnmiic►o�rqulrcd by Inw
<br /> _-___ . •—L--:........._.....�..�...��.p�t��p nnrl Init���itone I1tOttlllCt U�0 I�CISVtI�rht��viU ev�s�ver niry quesl{�n 1 nuiy hnve�cgmcliug
<br /> __7� ' �vvcb...n•..................._...._ . _ . ___
<br /> � (IIC IIOIICC. -
<br /> E �n. r•tx�sn tN�rt,ietrs�r nnr�,ue���tu�v
<br /> k „ 'I'hc Nnie p�ovlJes fot Ilie Un►ro�ver's aplion Iu convert froia ai�nJjuslablc In�e�esl rale�viib interesl�nle IfiEiila
<br /> � - (v n fixeJ litterest rate, as foilnws:
<br /> l; � 5. I�IXCU IN'1'Ii1tL31'ItA'1'L CUNVGIISIVN UI'IIl1N
<br /> ( � (pl Vpiivn oo Cnnvtrl It� Fixed linlc I
<br /> ' , 1 hnve e Cnnversfon Optlon Ihnl 1 cnn exetclse unles4 I nm in defnull nr Ihis Secllon 5(A) �vill irot ��ermil me
<br /> Io dn sn.'1'he"Cn���e�sion�pllon"Is rny vplinn Io converl the Inleresl inle I am �eqoircd io pay l�Y Ihis Nole hum `
<br /> � mi nJjusl�ble rnte wllh tnleresl rp�e Ilmils Io Ihe flxeJ role cnlculated uncle�SeN{oii S(p)belo�v. �
<br /> '� �� �� 't'lie convetsinn.ce►u only Inke pince oi� n dnle(s)specificd by Ihe Nole Ilolcier J�iring Ihe perlud begin�dng �m �
<br /> . Ihe flrsl Change UiNe ancl euJing nn tlie (i�li�Clmnge Unte.Gncli dnte vn wiiicli n�y ncljuslable Inleresl►n�e cnn rm�ver�
<br /> , In Ihe ncw ffxed rnte is called Ihe "C�nverslon Uo�e."
<br /> ,d�' , � MULTINtAt{?A17J118Tl11►lG nniE p�bEh-AfIM PIAN R7�-Slnpin�mnlly-•Pnnutn Mna Unitmm I��ttrumenl fani3110 12101
<br /> .rr:� ..�.� ....., vneriann�nnnr�mu�s • ���i�fn+nirx+ � ronn�ap� rts�
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