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ADJUSTABLE RATE RIDER (I V..r T.....ry I""..-RII. Clpo) THIS ADJUSTABLE RATE RIDER is mid. this ....lL~t. day or ....,(\~lJ.~~L,..............,........,' 19 ft.~..,.., and I. incorporlled into and ,hili be deemed to amend and supplement the Mortgage, Deed or Trust or Security Deed (the "Security Insuument") of the same dale given by the undersigned (the "Borrower") to secure Borrower's Adjustable RI'. Note (the "No'.") to...N..o.l:W.\>~t...ll;mk..N~b.l:ns.k".,...Nil.tio.I1al...AH=cj~lt.io.n......, ....,....,..,......................, .............................................................................. (the "Lender") of the same dale: and covering the property described in .he Security Instrument and locI.cd al: Rt. I, Box 277, Grand IHland, Nebraska 68803 88- 104780 IProp:rl)' Addreul THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE BOR- ROWER MUST PAY. ADDITIONAL COVEN4NTS. In addition 10 the covenants and agreements made in the Security Instrumenl, Borrower and lender rurther covenanl and agree 115 rollows: A. INTEREST RATE AND MONTH LV PAVMENT CHANGES The NOle provides for an initial interest rllte of ,.....~.t.Q9....%. The Note provides for changes in the interest rate and lhe monthly payments. as follows: ~. INTEREST RATE AND MONTHLY PAYMENT CHANGES ( A I CU.... Dal.. The intercsl rate 1 Will pay may change on the first dilY of . ...~~.~~.~.f!1.~~~X... ... .... ...... 19..t:l.?.... and on that day every 12th month therea(tcr. Each date on which my interest rate could change is eaaed a "Change Date." (HI The Index Beginning with the firsl Change Date. my interest rale will be based on an Indu. The "Index" is the weekly average yield on United Slates Treasury securities adjusted to a constant malurity of I year, as made available by Ihe Federal Reserve Board. The most reccntlndcl figure available:1s of the date 45 days before each Change Date is called the "Current Index..... If the Index is no longer available, the Nole Holder Will choose a new index which IS based upon comparable information. The Note Holder will J!:lve me nOllCe of Ihis choice. (C I Calculalloa of Chana" BeCore each Change Dale, the NOle Halder will cillcullHe my new inlerest rate by adding r.w.r,L.;,m~...QT.l.f;::........ ..Ml,C......................... pcrcenlage points (..2...5.U......%) 10 Ihe Currentlndell.. The Note Holder willlhen round lhe result of this addition to the nearesl one-eighth of one percentagc point (0.125% I. SubJecl to Ihe limits stated In Seclion 4(0) below. this rounded amounl will be my new inleresl rale until the nell Change Date. The Note Holder will Ihen delermlne Ihc amounl of the monthly payment that would bc sufficient to repay the unpaid principal that I am ell.pccled to owe allhe Change Date In full on the matufllY datc al my new inlercst rate In subs13ntially equal paymenl5. The resuh of this calculation will be the new amount of my monlhly payment. (D I Umits nn Inl.r"l Rat. Chanle> The interesl rale I am required to pay al the first Change Date Will nOI be greater than .. .!.P.~.9.P.. .'1- or less than .....9...Q9..............%. Thereafler. my Intere!!l rate will never be incrc:a~ed or decreased on any Single Change Date by more Ihalllwo percenlage points (2.0%) from Ihe rate of mtere!!t J have been paymg for the preceding twelve monlh~. My interest rate will neYer be grealer than .....l.3...Q.O_l'f, I E I Elftcth. Dal. of China" My new interest rate will became effective on each Change Dale I Will pay Ihe amount of my new monthly payment beginning on the firsl monthly payment date after the Change Dale unlll lilt' amounl of my monthly pB)ment changes agam. I Fl NOlie. of China" The Note Holder will deliver or mail to me a nOllce of any changes In my interest rate and Ihe amount of my momhly paymenl before lhe effecuve dale of any change. The notice ","'illlnclude information required by law La be givcn me and also the tille and lelephonc number of a person .....ho will ans.....er any quesLion I may have regarding the nolice. &. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 17 nf the Security Inslrumenl is amended to read as (allows. T,...fK oflhe ProperlY or _ Benefici.llnlernl in Borrm..er. If all or any part of Ihe ProperlY or any inlcrest mills said or Iransferred (or if a beneficial interest in Borrower IS sold or transferred and BorrolAoer is nol :1 natural person I wilhoutlender's prior wril1en consenl. Lender may, at 115 opllon, require immedialc payment in full of all sums !!ecured by Ihis Security Instrument. However. this option shall nol be elerclsed by Lender If c)tcrcise is prohlbiled by federalla....' as of the dale of Ihis Security Instrumenl Lender also shall nol ellerC1SC thiS option If (a) BorrolNer causes to be 5ubmlUed to Lender informal ion reqUired by lender 10 evaluate the IOlended Iransferee as If a new loan were bemg made 10 the t!anlferec; and <<b) lender reasonably dClermlOes that lender's security Will nol be impaired by the loan iluumption and that Ihe risk of il breach of any covenant or agreement in this Security Instrument i5 acceptable 10 Lender. -The .odell. figure: 11\'ailabk a.. of 1111: dale Ihl' lI1iliallllll'1l'\' I'alr \\it, dt'[Cllnllll'd 1111 [111'111,111 \\01'" 7.79 I"U. IIIJL.n5TATE AD.'UST1Blf RATE R1DEA-.LRN ~.2--... ,;... 1.1"",-hnm. Mae Fr.l:Idl. ".c UnllOfm Inllr\lm.nl Form J111 j 8~