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(2) Loans over $153,100 My new, fixed interest rate will be determined by adding one -half of one percent (1/2%) to the interest rate being offered by Occidental Nebraska Federal Savings Bank on loans in excess of the FHLMC maximum loan amount (Jumbo Loans) on the date the notice to convert is given. (C) Determination of New Payment Amount If I choose to exercise the Conversion Option, the Note Holder will determine the amount of the monthly payment that world be sufficient to repay the unpaid principal I an expected to owe on the Conversion Date in full an the maturity date at my new fixed interest rate in substantially equal payments. The result of this calculations will be the new amount of my monthly payment. Beginning with my first monthly payment after the Conversion Date, I will pay the now amount as my monthly payment until the maturity date. C. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER 1. Until Borrower exercises the Conversion Option under the conditions stated in Section B of this Adjustable Rate Rider, Uniform Covenant 17 of the Security Instrument is amended to read as follows; Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property of any Interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lehr if exercise is prohibited by federal law as of the data of this Security Instrument. Lender also shall not exercise this option if; (a) Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transferee as if a new loan were being made to the transferee; and (b) Lender reasonably determines that Leader's security will not be impaired by the loan assumption anxe that the risk of a breach of any covenant or agreement in this Security Instrument is acceptable to Lender. To the extent permitted by applicable law, Lender will charge s fee of U.S. $500.00 as a condition to Lender's cunt to the loan assumption. Lender any also require the transferee to sign an assumption agreement that is acceptable to Lauder and that obligates the transferee to keep all the promises and agreements made in the Note and In this Security Instrument. Borrower will continue to be obligated under the Note and this Security Instrument unless Lender releases Borrower in writing. If Lender exercises the option to require immediate payment in Hell, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is delivered or mail" within which grower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any resedies permitted by this Security Instrument Without further notice or demand on Borrower. 2. If Borrower exercises the Conversion option under the conditions stated in Section B of this Adjustable Mate Rider, the amendment to Uniform Covenant 17 of the Security Instrument contained in Section C1 above shall than eta" to be in effect, and the provisions of Uniform Covenant 17 of the Security Instrument shall instead be In effect, as follower Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any to it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower Ea not a natural person) without Lexdor's prise written consent, Larder may, at its option, require immediate Lander IN full of all sums secured by this Security Instrument. However, this option shall not be exercised by It esareise is prohibited by federal law a of the data of this Security Instrument. It exercises this option, Lander shell give Borrower notice of acceleration. The notice shall provide a Period of Not Seas than 30 days from the date the notice is delivered or mailed within which Borrower must pay all ems sawed by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this pwiads Lower M invoke am rewdlef permitted by this Security Instrument without further notice or demand on K SUNIN NK40W, lortewor accepts and agrees to the terms and covenants contained in this Adjustable Rate ( 1) 4ndroi r. G%chWandeg"r Nor r (heal) N. ( ;MC11 nndr=g;orr Borg 13