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86, 101777 (5) E-1 If this box is checked, the interest rate that I pay shall not decrease more than ......... ._........ percentage points on any Rate Change Date. (6) [1 If this box is checked, the interest rate that I pay shall never be more than ..,1- 3.950 ..... E during the period I have my loan. (7) El If this box is checked, the interest rate that I pay shall never be less than .... x_950. ...... % during the period I have my loan. (S) ❑ If this box is checked, the principal and interest payment that I pay shall not increase more than ..................... percent on any Payment Change Date. (S) ❑ If this box is checked, the principal and interest payment that I pay shall not decrease more than ... ....... ...... _... percent on any Payment Change Date. The Note Holder will adjust the interest rate on each Rate Change Date and on each Payment Change Date so that the change in the interest rate will not be more than those limits marked above. The monthly payment amounts will also change on Payment Change Dates as provided in the Note. Because payment changes may occur less often than : nterest rate changes and /or may be subject to certain limitations described in the Note, the monthly payments may be insufficient at times to pay ac- cruing interest. In such case, unpaid interest is adde:f to the principal balance of the Note and itself will accrue interest thereafter. Under the terms of the Note, the unpaid principal balance can never exceed a maximum amount equal to One Hundred Twenty -Fiv Percent (125%) of the principal amount originally borrowed. 3. LOAN CHARGES It could be that the loan secured by the Security Instrument is subject to a law which sets maximum loan charges and that law is interpreted so that the interest or other loan charges collected or to be collected in connection with the loan would exceed permitted limits. If this is the case, then: (A) any such loan charge shall be reduced b the amount necessary to reduce the charge to the permitted limit; and (B) any sums already collected Lrn Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. 4. PRIOR LIENS If Lender determines that all or any part of the sums secured by this Security Instrument are subject to a lien which has priority over this Security Instrument, Lender may send Borrower a notice identifying that lien. Borrower shall promptly act with regard to that lien as provided in paragraph 4 of the Security Instrument or shall promptly secure an agreement in a form satisfactory to Lender subordinating that lien to this Security Instrument. Failure to provide evidence that Lender has first lien shall constitute a default under the terms of this Note. 5. TRANSFER OF THE PROPERTY If there is a transfer of the Property subject to paragraph 17 of the Security Instrument, Lender may require (1) an increase in the current Note interest rate, or (2) an increase in (or removal of) the limit on the amount of any one interest rate change (if there is a limit), or (3) an increase in the percentage points to be added to the current index for the purpose of calculating interest rate adjustments as explained in Section 2 (B) or (4) an increase in the maximum interest rate to be paid over the life of the loan or all of these, as a condition of Lender's waiving the option to accelerate provided in paragraph 17. - - --- 7��19I�1FJ1pt�]! lt# F7Pfill�1C��( r7E1117P1[ 9C7t' k�� '7P1!'�F7Ei��1C7PrCl�flfk�(){ By signing this, Borrower(s) agree to all of the above. r1 .: — finrmwer David J. Sperling, 4 t ... . . Janice K. Sperling' STATE OF NEBRASKA.....-.... Nail County ss: On this . 4th_ _ ... . day of .._._..... AP. ril_ __ ... . , ]9$d.._, before me, the undersigned, a Notary Public duly commissioned and qualified for said county, personally came - __.. ..._ . ............. David J:_Sperli'ng, arid - Janine_ . , ancf Wife -__.. .._. __ ....._._.._..._ ... .... ... ..... .. -_ to me known to be the identical person(s) whose name(s) are subscribed to the foregoing instrument and, acknowledged the execution thereof to be.. .. tbeir....__. . . voluntary act and deed. WITNESS my hand and notarial seal at [ rand 1sland Nebraska in said county, Lthe date aforesaid. My ommissi�iwrrrw+Mr- r«.rw�..r j Con e4 irc S. 0. itMOlf '. " t ^ Nh Cow.► Eµ Mw 21, IM s i