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ADJUSTABLE RATE RIDER 85- 002529L (1 Year Treasury Index -Rate Caps) THIS ADJUSTABLE RATE RIDER is made thu 20th dey of May 19 85 and is ireorpe"W into and AW be doffed to amend and supplement the Mortgage, Dead of Trust, or Security Deed (the "Security I"asigm nt') of the sable do" liven by the u (the "Borrower ") to secure Borrower's Adjustable Rate Note (the • •Note ") to HOME M=K MM" a LOAN AggOMT _M OF ORAND WLAND, NUR"KA (the "Lender„) of the same date and covering the property dwcramd in the Security Insaument and bated at: 4Q22 Driftwood, Islander NE 68801 (Property Address) This soak cesWhrs learww aNswbg ter th*11W 1st my iasawt rase and q mo*ft payments. TMs *Oa also (iblq the ass" ray loarsat flit can elsOW at stay One the and ske Ne niwh n and Nis wa lw rate 1 most pay. ADDMONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender fWdw cork and agree as follows: A. INr== BATE AND MONTHLY PAYMENT MANGES The Note provides for an initial interest rate of 9 • 5 °/i. Section 4 of the Note provides for changes in the interest rate and the movably payer. as follows: 4. INTEWT RATE AND MONTHL Y PAYMENT CHANGES (A) Chwr Dan The interest rate 1 will ay may change on the first day of June , 19 86 . and on that day every 12 months thereafter. Each date on which my interest rate could change is called a "Change Date." (IN The lain Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the weekly average yield on United States Trustry securities adjusted to a constant maturity of I year, as made available by the Federal Reserve Board. The most recent Index figure available as of the daft 43 days before each Change Date is called the "Current Index." If the Index is no longer available, the Note Holder will choose a new index which is based upon comparable information. The Note Holder will give me notice of this choice. (c) CdoWnwaa#Cbmen one and seven eights BKorete Data, the Now Holder will calculate my new interest rate by adding percentage points I_ %) to the Current Index and rounding to the nearest I /gth of I ego, subject to the limits stated in Section 4(D) below. This romKw amount will be my new interest rate until the nett Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay in full the principal 1 am expected to owe on the Change Doe in substantially equal payments by the maturity date at my new interest rate. The result of this calculation win be the new amount of my monthly payment. (D) Llwls N IausuM Mows Clrngas To interest rate 1 am required to pay at the first Change Date will not be greater than _ % or less than Ss. Thaosner, my interest rate will never be increased or decreased on any single Change Date by more than tW0 erC @n t from theme of imerwt I have been Paying for the preceding twelve months. The mimmum interest rate on this loan will never be less than 8.75 ergs and the maximum interest rate will never be treater than 44. 375 �mo, (10 Effsedve Dow of Changw My wow ' hawast rote will bewme effective an cub Change Date. I will pay the amount of my new monthly payment beginning on the first MLMtMy aymeat dog after the Chaff Date until the amount of my monthly payment changes again.