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<br /> _�'; A.DJtTST�BLE RATE RIIaEff A���-�.4��.:�.9t71 .
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<br />�:"�"`�"-�� 'I'HIS P��IIJS'�'ARLH ifA'I"�RIDHR i�m!�lhls 28'T!i �19y of 1'EBRUARY � x995 ,Pl?{I�9 "
<br /> --_ �ntn and shall bo deemed to emcnd and eu knreat�ho M �go�Deu1 of Trust or Sccurl Iaoed(tha"Securi �:�•:�.� : �:;,`.
<br /> incacporated PP �8 �Y �Y �,�•, ;;�,:r;;.
<br />_ Inswment")af the aart�e date given by the nndsrslgnod(the"Borrvwu")tn soc;uro Borrowcr's A�Justabla Rato Noto (tha � . ; :
<br />�=� 'Nott")to �, � '` `
<br /> --�� HOME FSDERAL BAVINaS � IAAN A3&OCIATZON OF ORAND ISLIIND � Y'•
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<br /> �`�� (tho"Lender")of thc aamc dAtc nnA ca�ering tho property�cscribed la Ihe SocurIty Instrumcnt end locatcd a� �.� ..:`"\'-;
<br /> 24].6 RIVSRSIDS DR
<br />-�;�.� ORAND ISLAND. NEBRA&KA 6800.1 � �,rl;µ. :. -
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<br /> -�l � [Pmperty Adda�c I ��:.:;,'
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<br /> _.;�,_j THFS NQ'I`E�OIV'i°AIN4 PROVISIONS ALLOWING�0�CHANGE9 IN MY INTEREST RATF.AND MY ?�F_ '
<br /> -�= MONTHLY PAYMENT. INCREASES IN THE INTERFST I�ATE WILL RESULT IN HIGIlER PAYM[ENTS. -�-�---°-
<br /> _=�� ff��YiEASES IPI'II"l�E YPITERFSi'F�ATE V.rILL RFaU�.'!'Q'�LCSti'1LR?AStfldEr�. ��;��:�� -
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<br />°������ ADnT1TQNAL CQVENANTS. Tn addidon to the covennnts and agrcements �ade in 1he Sxudty Inswment, w`��:•��-
<br /> �'�».�`;� Somow�and Lu�dta furthet wvetiant and e�ee as follaws: ��:.=-�--
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<br />�.�-� A.INTEREST RATE AI�ID�l�iONTHLY PAYMI?NT CHANCES �'�'"'
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<br /> y,#,p,� 'IUe Note provide�s for an inirial interest rate of �.s0o 96. 'I�e Note provldcs for changes ixi tt�e f_ _ -
<br /> ` inte�est rate and the monthlY PaYments.as followa:
<br /> :�;,� -
<br /> � A.INTERFST RATE AND MONTHLY I'AY11�CN'Q'CNANGES -
<br />.-� (A)Chae�e Dates ��W`��_
<br />_'� 'Ifie intecest rata I w!U pay muy chango on the first day of �CH , 1996 ,and on thae dey � _
<br /> --�_� evay la� month thereafter.fiach date un wtnich my interest rate could change is called a"Change Dnce."
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<br />_-_�+�+ (B)The Yndea �T'�. —
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<br /> -`��,` ' Hcginning with the first Ci�ange�D.�te.my interest ratc will be b�sed on nn Ind�x.'Il�e"Indox"is: t���"�
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<br /> { THS WEEKLY AVER11OI3 YISLD ON UNITED STATB6 TREASURY S�CURITIES AD�7USTBD TO A � �.� ��
<br /> y CONSTAN'1' ihwrURIS'Y OF 1 YFAR, AS MAD� AVAILABLS BY � FEDERAL RESERVR SOARD. w••� � _
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<br /> -��':;, Tik most receAt Index�gure avai7�le as of thc date: � 45��ys ❑ •, .Y~
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<br /> - before each Change Daze is callod the"Currcnt Indcx." � -'
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<br />._�,� If iho Index is no longer available,the Note 1E3o1der will choose a new index that is based upon comparAble infornutdon. �
<br />_,;;. The No�c kIolder will give me notice of this chofce.
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<br />-i�� (C)C�iruir4wn ot Chxnges
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<br />--_-�'"' Before cach Changa Date;the Note Hnlder will calculate my new interest mte by adding '
<br /> -�~a•� TFro arm orrs Haz.F perccn�age poinc(s)( z.soo 96) w the Cuae,u tndex.
<br /> --=_ 'If�o Now Holdet will then round the result of this addition W the �Nearest � Next Highest �Neat Lowest
<br />��� ONR I�IOHTH ( .125 ��,
<br /> :,;:;'� Subjoct Gn the limits stated in Sccdon 4(D)below,this rounded amoant will ba my now interest rate until the next Chznge
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<br /> �"'`�� '!R�e No1a Holdcr will then dEtcrmina thc amount of the monthl a mcnt that woiild M sufficicnt to re a thc un a�d
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<br />- principal�hut I am expcctod w owe aR d�a Changa Date in full on iha maturity dat�at my new intere,st rate in substantinlly I
<br />�`��°"''� equal p�yments.Tha msult of this calcuiadon wW be the new amount of my monthly paymenG �
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<br /> -_;_- (D)LimEte on dnterest Itate Clu�nges I�'1� •
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<br />-,-,;;� PI�se check approp�itue boxe.r;�/'no box Ls chccked,theu wl11 1x no niaximwn limft on ch¢nges.)
<br />:�F::-� �(1)There will be no maximaun limit on intemst rate changes_
<br /> U iz)'rne tntaest ratc t nm req�inea to pay ac tiio tusc e:eange �ace wttt nat be grcater than 9.s o o °lo ;
<br /> _'•,��'=� Ot UCSS t118t1 5.5n0 gb, I.
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<br /> ;���� "L•�'�' C�)ivly ini�ai r�tic wili nevu br awrca�ui ur uw,r,:i�ai vn a�y au�,riu Cnvngc uacc by ma�inw� �
<br />-�; . TWO PEFtCENT perccni3gc ppint(s) ( 2.000 9'0) from thc
<br /> :�'_ raoa of inierest I have becn paying for thc pc�ce:ading period. t�•
<br /> �(4)My interest rato will never bo greaier Uian 12.5 00 %,�vhich is called the"M�cimurn R4te." �
<br />:;, r•i:. THE "MINIMUM RATE" WILL NS�TI'sR BS LESS Tf3AN 5.500k. �
<br /> `��-� MUL719TATE ADJU9TA8LE RATE RIDEii•Sin�lu Fertsily 8/94
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