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ADJUSTABLE RATE RIDER 85' (1 Year Treasury Index -Rate Caps) THIS ADJUSTABLE RATE RIDER is made this 7th day of .)rtnP and is incorporated into And shall be dented to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument") of the same date given by the u (the "Borrower ") to secure Borrower's Adjustable Rate Note (the "Note ") to HOME NOMMINEW 23 A1129AM-No OF GRAN iBLAND, N AA$" (the "Lender ") of the same date and covering the InrcP@rty daeribed in the Security Instrument and located at: Route I Box 173 [sland NE 68801 (Property Address) TW neft caNaine pis tar crttr" In s' Isteirest rate and my nentMy Mymeats• The now also Bons the aanoant any Iiterrcttt rate can change at any one time sad aTae Me mhdmm gad the mexh anm rake I east pay, further ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security instiument, Borrower and bender covenant and agree as follows: A. INTMUW RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial interest rate of 9 %. Section 4 of the Note provides for chap Monthly Payments. as follows: gee in the interest rate and the 4. INTEREST RATE AND MONTHL Y PA YMEtVT CHANGES (A) Change Dates The interest rate i will pay may change on the first day of —_ -s1 y t-WPI vA monthns thereafter. Each date on which my interest rate could change !9_86 and on that day every ange is called a "Change Date." (>lg The Itsdent with the first Change Date, my interest rate will be based on an Index. The "Index" is the weekly average yield on United States Tratswy Mies adjusted to a constant maturity of I year, as made available by the Federal Reserve Board. The most recent Index figure avaihd* as of the date 43 days before each Change Date is called the "Current Index. " if the Indet 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) Caleakdoa of Changsa Before each Change Date, the Note Holder will calculate my new interest rate by adding _nnP R SPVPn_ai ahtS--- percentage Ports ( , .R75 %) to the Current Index and rounding to the nearest I /8th of I %. subject to the limits stated in Section 4(D) below. This reed amount will be my new interest rate until the next Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay in full the principal I am expected to owe on that Change Date in substantially equal payments by the maturity date at my new interest rate. The result of this calculation will be the new amount of my monthly payment. (D) Lim" On its Rafe Changes The interest rate i am required to ply at the first Change Date will not he greater than 11_Q $ -75 %. Thereafter, my interest rate will never be increased or decreased on any single Change Date by more than tW0 aer e t less from the rate of interest I have been paying for the preceding twelve months. The minimum interest rate on this loan will never be thin: a25 % and the maximum interest rate will never be greater than 14 375 aim. (1R ENM#s Dow of Chum My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first y heyrrt date after the Change Date until the amount of my monthly payment changes again. (ID Nedw of ChnoM The Now Holder will mad or deliver to tie a notice before each Change Date. The notim will advise me of: W the new ingest rate on my loan as of the Change Date; (9) the &MOtMt of my monthly payment following the Change Date; (iii) any additional matters which the Note Holder is required to disclose; and (iv) the address of the association you could contact regarding any questions about the adjustment notice. th CHARGESt LIENS Uniifotlffil Coveront 4 of the Security Instrument is amended to read as follows: C_ 11 m C 14 of thtWurify lastru t is *1111011ded to read as follow.: F4. f MWC re" u at abie law tea he given in another ntanntF, dal arev rtoticc tee, tlekiPS)M'CF ttrt)1IalC'It tot BFt 4hle "Y t be it ley delivering it ter tsy li it b first t:la rrpail tae Y hi�orrtswot r at the I rn ty Addree, =r at �ubh uFlFer attdre�r MAY y pip IMF as lsrow' herel". &till lhsh any rrtotiae tees I ea der %hall tT given t?y fly $I c iar4 nFaii to l ddr ;r % ' po %ash tx¢ a rI 1. MMY dftfltadle by r otwe to Rorra.,%ve a4 rtl+vfdml he�rean. AltY Fit +Fiat I�Faa, aa@ i t:,a �Fi t €ris y 1 r t t�3 havet hft" giveap pn &Ifrower 44 p- cttcicF when xrees, 111 the rFeanfwl Il�agatattw) >aescttF