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<br />200512272 <br /> <br />Loan Number: 0031680556 <br />ADDENDUM TO ADJUSTABLE RATE RIDER <br /> <br />This addendum is made DECEMBER 5, 2005 and is incorporated into and deemed to <br />amend and supplement the Adjustable Rate Rider of the same date. <br /> <br />The property covered by this addendum is described in the Security Instrument and located at: <br />231-233 SOUTH SYCAMORE, GRAND ISLAND, NEBRASKA 68801 <br /> <br />AMENDED PROVISIONS <br />In addition to the provisions and agreements made in the Security Instrument, I/we further covenant <br />and agree as follows: <br /> <br />ADJUSTABLE INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />Limits on Interest Rate Changes <br />The interest rate 1 am required to pay at the first Change Date will not be greater than <br />8 .750 % or less than 6 .750 %. Thereafter, my adjustable interest rate will never <br />be increased or decreased on any single Change Date by more than TWO AND 000/1000 <br />percentage point(s) ( 2 . 000 %) from the rate of interest <br />I have been paying for the preceding six (6) months. My interest rate will never be greater than <br />12 . 750 %. My interest rate will never be less than 6 . 750 %. <br /> <br />TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER <br />Uniform Covenant 18 of the Security Instrument is amended to read as follows: <br /> <br />Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, <br />"Interest in the Property" means any legal or beneticial interest in the Property, including, but <br />not limited to, those beneticial interests transferred in a bond for deed, contract for deed, <br />installment sales contract or escrow agreement, the intent of which is the transfer of title by <br />Borrower at a future date to a purchaser. <br />If all or any part of the Property or any Interest in the Property is sold or transferred (or if <br />Borrower is not a natural person and a beneticial interest in Borrower is sold or transferred) <br />without Lender's prior written consent, Lender may require immediate payment in full of all sums <br />secured by this Security Instrument. However, this option shall not be exercised by Lender if <br />such exercise is prohibited by Applicable Law. <br />If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice <br />shall provide a period of not less than 30 days from the date the notice is given in accordance with <br />Section 15 within which Borrower must pay all sums secured by this Security Instrument. If <br />Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any <br />remedies permitted by this Security Instrument without further notice or demand on Borrower. <br /> <br />L1BOR ADDENDUM TO ADJUSTABLE RATE RIDER <br />FORM 1202 1-01 Page 1 of 2 <br /> <br />DocMagiceJiJ!TiWiJ<;J 800-649-1362 <br />www.docmagic.com <br /> <br />1202.a1'.1.loIll <br /> <br />1111111111111111111111111111111111111111111111111111111111111111111 <br />