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85-- 002284 ADJUSTABLE RATE RIDER (I Yew Treasury Index -Rate Caps) THIS ADJUSTABLE RATE RIDER is nude this l nth 'day of Maw and is sated into and shall be deemed to amend and supplement the Mortgage, Dead of Trust, or Security Deed (the "Security „) of UK tams daft given by the undersigned (tbe "Borrower ") to — Borrower's Adjustable Rate Note (the "Note ") to HOME MWIIAL VRlfiB'A LOAN AWQZ TWN OF GRAND ISLAND NEBRASKA (the "Lender ") of the same emote and covering the Property described In the Security Instrument amd located at: 4318 Michigan Avenue, Grand Island, NE 68801 (Property Address) TW "a eouKtlus Provisions Wkwbmg for cheeps In my iNast rate and my mwmtNy M ON". TW 1101111111941 Naft the awoat My Interval rate can cYa W at my are throe and des do m inisaM and see mrximmn ruse I Must pay. ADDITIONAL COVENANTS. In Mien to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. INr=W RATE AND MONTHLY PAYMENT CHANGES The Note provides for as initial interest rue of --q-3/A—%. Section 4 of the Note provides for changes in the interest rate and the monthly Payments, as follows: 4. LW EREST RA T£ AND MONTHL Y PA YMENT CHANGES (A) Cfamp Darts Theintereatrate I will pay nay change oa the first day of li e t 19 _$5_ . and on that day every 12 months thereafter. Each date on which my interest rate could change is called a "Change Date." (Bi 7tie Nolan BeghMing with the tins Clunge Date, my interest rate will be based on an Index. The "Index" is the weekly average yield on United States Tray n adjusted to a cotKtant maurity of I year, as made available by time Federal Reserve Board. The most roan Inert figure avail k as of the due 45 days before each Clangs Date is called the "Current index.'' If the India is no how available, the Note Holder will choose a new index which is based upon comparable information. The Note Hold" wN give me notice of this choice. S (C) Calaralfw so cfmgM Before each Chow Dote, the Nat Holder will calculate my new interest rate by adding _ 1.875 pemeatage pmma L_ x.1..$75 %) to the Curran Index and rounding to the nearest tfgth of 1%. subject to the limits stated in Sectiat 4(D) below. This rmmded amount will be my new interest rate until the nett Change Date, Thu Nose Hoban will the dinermine the amount of the monthly payment that would be sufficient to repay in full the principal I am eaPeead to owe on that Change Dune in substantially equal payments by the maturity date at my new interest rate. The result of this calculation R