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a <br />ADJUSTABLE RATE RIDER 85_. 008450 <br />(I Yew Treasury index -Rate Cages) <br />and THIS ADJUSTABLE RATE RIDER is trace this - 23rd davof .i u l y <br />is ' -0 and sib be declined to 3e bc5 <br />uuf t the pk� of T rust, or Security Deed (r3tte ..ecmty <br />MWIMAL ) of tibe safe daft Overt by (the "B OTTOWW ") to serure Borrower's Adjustable Rate Nate (tire "Note") to HOME <br />fAYA 5 i lOktl ALtOt SATION OF 6MND ,AM% I (the "Lender") of the safe date and covering the <br />FVPWy dMailad in the Sa^smty Inattruelear and located at: <br />99, Grano island, Nebraska BBB03 <br />(Pror -- Address) <br />T1* now esMisa'rfviioft -%"'ag for dtmgea IN pY inhtlat rah sad sty viols" <br />PsyMM's, n Ws fate Rdse Nuft the afsesat w• iNneal rite cae cYaage at ny one film si <br />Abe at tsbitdtiliniii "d dw macma rah I nip pay. <br />ADDITIONAL COVISMANn. In addition to the covenants and agreements made in the Security lestrumatt. Borrower and Lender <br />fuirtber Covertant and agme as follows: <br />A. 1NTU9W NA71E AND IMONITNLY PAXi ENT CHANGES <br />The Nate Provides for All initial interest rate of - sue. Section A of the Note provides for <br />Y Payments, as follows: changes in the interest rats and the <br />d. MEREST RAT£ AND MOTTHI, Y PAYMENT CHANGE'S <br />(A) CWW Dan <br />Ilse imerelt MCI will pay may change on the first day of <br />months thereafter. Each date on which my tmerest ate could change t, alled a "Change Bate. • and on that day every <br />with the u ted first Change Dan, a" interest rats wi71 be based on an Index. The "Index" is the weekly average yield on United States <br />Treasury as aft45sd s a caMastant ma" <br />of 1 year, as made available by the federal Reserve Board. The most recent Index figure <br />avduLbe ads of t� daft 45 eevs before each Change Date is called the ' •Current Indcx. " <br />If the lade" is no longer available, the !vote Holder will choose a new index which is based upon cam <br />B}�r will give me notice of this choice. parable information. The Note <br />ECG CLiwlphes of pasgw <br />Beftim emch Charge Date, the Note Holder will calculate my new interest rare by adding 2 S = - L °r _ 1:,n t 5 <br />Pis (— i - 5 fit) to the Current Index and rounding to the wrest 1 i Sth of 17®, subject to the limits stated in Section � ) bellow. <br />This rounded amount will be my new interest rate until the next Change Date. <br />The Note Holder will then determine the amount of the monthly payment that would be sufficient to repav in full the principal 1 am <br />ll be expected to lore m that f my m Dar in substantially equal Payments by tine matunry' date at my new interest rate. The result of this calculation <br />wid be the Atav of my monthly payment. <br />(D) [fit os Illftraw AW C%asgaa <br />The interest rate Ian required to pay at the first Change Bate will not be greater than w <br />- --- -�. <br />Thereafter, my interest race will never be increased or decreased on any . - - -- or less than <br />- r L 1 from the rate of intta'est I have been Ingle Change Bate by moor than wC: <br />less cMn 7-1, paying for the preceding twelve months. The minimum interest rate on this loan -iii never be <br />—. % and the maximum interest rate will never be gr aler than __= _ a ®. <br />(EI ENmld a Ape of Cbottgea <br />My. ale" iuftrw Tait wah become effective on each Change hate. I will pas the amount of my new monthly payment beginning on the first <br />mMWY Payment tan after the Chin pate until the amount of my monthly payment changes again. <br />M \etiae of chm"m <br />The Note Holder will mad or deliver to me a notice before cub Change pate. The notice will advi3e me of: <br />fi) the new Interest ran an my loan as of the Change Date: <br />(h) ttwismoutirefasysemaddl PaYnent following the Change Date; <br />(ill) Say which tie Note Holder is required to disclose: and <br />(iv) the address of tole aasdeiatian you could contact regarding anv questions about the adjustment notice. <br />C. <br />Unoorm C 14 of the "lesstrsty Invit' xa Eta mad AN f-lk, -, <br />W !►vilks- Lamp fA7 nar€ara rCq:a;, v d -der hat* ew to t'r d a'< <br />. r r3! in an rotor taaastttro, tat) a =." roxa;x t, <br />stca(1 Ar green t>s -vet ztf es car by ita e. sx t,.k d-r:{ _lea s zFa :o d9a,crowe3 Al :ter Yre?prr} Ajdle," ,, at +, <br />pse*w "Jed herev+ r cast". and a, w d F� i rralxv shall <br />- r , °we' d err: c^ <br />'e'er E"1, td+ #: t.�t3HM ' 4Rd � ..la <br />t3[a5 gt&caaf 4'S `ii#+;.f1Q <br />bi .f la st ux^r;- rF <br />0 <br />FK <br />