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M <br />M <br />0 <br />M <br />M <br />0 <br />�V <br />0 <br />0 <br />c� <br />0 <br />3 <br />0 <br />CJ1 <br />W <br />n C/) <br />o —A <br />c <br />z rn <br />o� <br />= M <br />n � <br />r � <br />r n <br />D <br />Cf> <br />a ADJUSTABLE RATE RIDER N <br />r 200313438 <br />THIS ADJUSTABLE RATE RIDER is made this 24TH day of SEPTEMBER, 2003 <br />, and is incorporated into and shall be deemed to amend and supplement <br />the Mortgage, Deed of Trust or Security Deed (the "Security Instrument ") of the same date given by the <br />undersigned (the "Borrower ") to secure Borrower's Adjustable Rate Note (the "Note ") to <br />Home Federal Savings and Loan Association of Grand Island <br />DEED OF TRUST RECORDED AS DOC # 0200004429 <br />(the "Lender ") of the same date and covering the Property described in the Security Instrument and located <br />at:411 EAST 4TH ST <br />GRAND ISLAND, NE 68801 <br />LEGAL: Lot 2, Block 46, Original Town, Now City of Grand Island, Hall County, <br />Nebraska. <br />[Property Address] <br />THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY <br />INTEREST RATE AND MY MONTHLY PAYMENT. INCREASES IN THE <br />INTEREST RATE WILL RESULT IN HIGHER PAYMENTS. DECREASES IN THE <br />INTEREST RATE WILL RESULT IN LOWER PAYMENTS. <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security <br />Instrument, Borrower and Lender further covenant and agree as follows: <br />A. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />The Note provides for an initial interest rate of 4.250%. The Note provides for <br />changes in the interest rate and the monthly payments, as follows: <br />4. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />(A) Change Dates <br />The interest rate I will pay may change on the 1st day of September , <br />2006 , and on that day every 12 month thereafter. Each date on which my interest rate <br />could change is called a "Change Date." <br />MULTISTATE ADJUSTABLE RATE RIDER - Single Family <br />899U (970501 1/97 <br />Page 1 of 4 Initials: <br />VMP MORTGAGE FORMS - (800)521 -7291 <br />0 <br />N <br />0 <br />O <br />w <br />F—' <br />C.J <br />CD <br />co <br />M <br />T <br />= <br />y <br />�o <br />Z <br />ni <br />d <br />_ <br />n <br />N <br />{J <br />r-, <br />D <br />1 ' <br />n <br />c,I <br />CIO <br />M <br />M <br />0 <br />M <br />M <br />0 <br />�V <br />0 <br />0 <br />c� <br />0 <br />3 <br />0 <br />CJ1 <br />W <br />n C/) <br />o —A <br />c <br />z rn <br />o� <br />= M <br />n � <br />r � <br />r n <br />D <br />Cf> <br />a ADJUSTABLE RATE RIDER N <br />r 200313438 <br />THIS ADJUSTABLE RATE RIDER is made this 24TH day of SEPTEMBER, 2003 <br />, and is incorporated into and shall be deemed to amend and supplement <br />the Mortgage, Deed of Trust or Security Deed (the "Security Instrument ") of the same date given by the <br />undersigned (the "Borrower ") to secure Borrower's Adjustable Rate Note (the "Note ") to <br />Home Federal Savings and Loan Association of Grand Island <br />DEED OF TRUST RECORDED AS DOC # 0200004429 <br />(the "Lender ") of the same date and covering the Property described in the Security Instrument and located <br />at:411 EAST 4TH ST <br />GRAND ISLAND, NE 68801 <br />LEGAL: Lot 2, Block 46, Original Town, Now City of Grand Island, Hall County, <br />Nebraska. <br />[Property Address] <br />THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY <br />INTEREST RATE AND MY MONTHLY PAYMENT. INCREASES IN THE <br />INTEREST RATE WILL RESULT IN HIGHER PAYMENTS. DECREASES IN THE <br />INTEREST RATE WILL RESULT IN LOWER PAYMENTS. <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security <br />Instrument, Borrower and Lender further covenant and agree as follows: <br />A. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />The Note provides for an initial interest rate of 4.250%. The Note provides for <br />changes in the interest rate and the monthly payments, as follows: <br />4. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />(A) Change Dates <br />The interest rate I will pay may change on the 1st day of September , <br />2006 , and on that day every 12 month thereafter. Each date on which my interest rate <br />could change is called a "Change Date." <br />MULTISTATE ADJUSTABLE RATE RIDER - Single Family <br />899U (970501 1/97 <br />Page 1 of 4 Initials: <br />VMP MORTGAGE FORMS - (800)521 -7291 <br />0 <br />N <br />0 <br />O <br />w <br />F—' <br />C.J <br />CD <br />co <br />