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a -n' M <br />-� <br />Cn <br />C C3 <br />711 t N rri <br />00 �` m A y` c z) CD <br />C m r` A co <br />°d y f 0 <br />C4 C111 <br />ADJUSTABLE RATE RIDER `° <br />THIS ADJUSTABLE RATE RIDER is made this 1 `�44\ day of A it- <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 0�6 , <br />Home Federal Savings and Loan Association of Grand Island <br />(the "Lender ") of the same date and covering the Property described in the Security Instrument and located <br />at:30 I=STER LAKE ORIGINAL DEED OF TRUST DATED 7 -18 -03 <br />GRAND ISLAND, NE 68801 AND RECORDED 7 -18 -03 AS DOC 00200309217; <br />SEE BELOW FOR LEGAL DESCRIPTION <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 6.875 %. The Note provides for <br />changes in the interest rate and the monthly payments, as follows: <br />AI+ - IdObUBLY -PAYIWIEN-- T-CHANGES .._ -- <br />(A) Change Dates <br />The interest rate I will pay may change on the 1st day of August <br />2012 , 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 />(M-899U (9705).01 1x(97 <br />® �J <br />Page 1 of 4 Initials: <br />VMP MORTGAGE FORMS - (800)52 291 <br />LOT FOUR (4), HAVING A LAKE FRONT FOOTAGE OF 50 FEET AND <br />SITUATED ON THE EAST SIDE OF THE EAST PORTION OF KUESTER <br />LAKE AND BEING ON A PART OF THE EAST H4Lt dF T'HE' �SOVTHWEST <br />QUARTER (E1 /2SW1/4) IN SECTION THIRTEEN (13), TOWNSHIP ELEVEN <br />(11) NORTH, RANGE NINE (9) WEST OF THE 6TH P.M., HALL COUNTY, <br />NEBRASKA. <br />