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85- 00541 (5) If this box is checked, the interest rate that 1 pa} shall not decrease more than percentage points on any Rate Charge Date. (6) a If this box is checked, the interest rate that I pay shall never be more than 7' 950 r during the period I have my loan. I (7) If this box is checked, the interest rate that I pay shall never be less than . 8...210 c, during the period I have my loan. (8) ❑ If this box is checked, the principal and interest payment that I pay shall not increase more than ......... ....... _.. percent on any Payment Change Date. (9) ❑ 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 Pavmen, Change Date so that the change in the interest rate will not be more than those Iimits 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 interest rate changes and /or may be subject to certain limitations described in the Note, the monthly payments may he insufficient at times to pay ac- cruing interest. In such case, unpaid interest is added to the principa)'balance of the Note and itself will accrue interest thereafter. tinder the terms of the Note, the unpaid principal balance can never exceed a maximum amount equal to One Hundred Twenty -Fiv, Percent (1 °fi?.) of the principal amount originafl-, borrowed. :t. LOAN CHARGES It could he that the loan secured by the Security Instrument is subject to a taw which sets tnaximum loan charges and that law is interpreted so that the interest or other loan charges collected or to he collected in connection with the loan would exceed permitted limits. If this is the case. them (A) any such loan charge shall he reduced by the amount necessary to reduce the charge to the permitted limit: and (B) arr: sums already collected from Borrower which exceeded permitted limits will he refunded to Borrower'. Lender may choose to make this refund by reducing the principal owed under the Nr,te or by making r. 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 identitving 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 P. default under the terms of this Note. 5. TRANSFER OF THE PROPERTY If there is a transfer of the Property subject to paragraph 1" of the Sec•urrr Instrument. Lender ma'. require (1) an increase in the current Note interest rate, or ( ?'i an increase ir: for removal of) the limit on the amount of anv one interest rate change (if there is a hnLt). or (:3) an increase in the percentage- points to be added to the current index for the purpose of calculating interest rate adjustment-s as explained in Section 2 (B) or (4) an increase in the maximum interest rate to he 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 . 6. COVENANT DELETED Non-Uniform Covenant 21 of the Security Instrument t "Future Advances ") is deleted. By signing this. Borrower(s) agree to all of the above. STATE OF NEBRASKA.. Brent V. Smith ~ i_ Robin v. Scmith M ( ounty ss On this 25th day of CJctuber ;li before me, the undersigned. a Notary Public duly commissioned art(] qualified for said count }, persorail\ carne Brent V. Smith and Rob-in L. smith, . husband and wife., w the known to he the identical persont:.l whose narnets) are ubsrrihvd to the foregoing instrument :in(! acknowledged the execution thereof Ie, he their vniuntar% act and deed. W1TNF.. ',SS my hand and notarial -;(-;if tat in said count\. ' the date aforesaid. 41!it M." Cmiltilk-lon —_ a MMMtt NQMr -M� t/iM(twr � S. D. WOLF 4 1