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c=ac}cs~2-€: ADJUSTABLE PAYMENT RIDER ~~ ~_~~ r~ ~ 1 THIS ALlR15TABlE PAS RTTIIt is made this 9th day of January 19$4 and is incorporated into aid shall be deaaed to amend amt the Sege Dew (the "Seaa'ity Ingtr+.ro.,r") of the see date given bq ttSe cadeisigEied (the "Bq oriower") to eea~re Borraapr'8 Adfistahle Payment Note to Tower ~n+*TMaA7, .Inc. -(the 'T~der") .of the same date (the-"Note..) axd ociveritig'the property described in the Secisity Instz~ent ate='Crated aGi -- ~ehraska 68501 The Note Contains Provisions- Allowiag For Changes In-The-"Interest'Rate And The Monthly Payment And For Increases In The Principal Amount To Be'Repaid.'- The Note Also Provides For Calculations Of Two Separate Monthly Payment ::Amounts. One Will Be The Amount That I Must Actually Paq Each Month. The,-.Other Will Be An Amount That I Would Pay Each Month To Fully Repay The Loan On The Matuti.tp-Date_ This Means That I Could Repay- More Than I Originally Borrowed- Or-That''I' Gould Repay My Loan Before The Maturity Date. ALOTITONAL ~. In addition to the oove:sants sad agreemaxts made-in `the Secasity Ineta~act, Borrower and Calder further covenant and agree as follows: A. INTEREST RATE AND MONTALY PAYMENT CHANGES .500 Tile Note provides for an initial interest zeta of 11 X. Sections 2 3y 4; 5 and fi of'the Noce' provide for in the intereest rate sad the ®n~Ft iIp }symarts, as follows: "2. INTEREST (A) IIIteresC Owed Interest will be charged on that pert of principal which has clot been paid; beginnix~g:on the date I receive principal and mnticniing until the full amocnt of principal hoe bey Paid. Beg}.nning on the date I receive prindpal, I will pay interest at a yearly rate of 11.500X... The interest rate I wdll pay may clangs on the first day of the month of August 1,- a~ on that day every Eth myth rt,.mnfrr+r, Each date on which the interest rate s called- on "Intermit CE~ange Date.' The new interest rate will become effective on- each Interest Change Date. {B) The Ixdeac Begfcming with the first Interest Change Date, my interest rate will be based on an ~ '~he "Index" is the t;eekl~* R1ucr_ion r,ver~e r^ate on ignited States 7Yeasury bills with a vatu ty t :rcwirha as e t .most IeCeIIt i>.gure as of its: date 4S days before each Interest Change Date is called the "Wn.~ent Index". T}ce interest ra[e I will ~;~ shall rot exceE+I I4 .99L'%. Lf the Index is ro longer avaitahte, the Note Holder will choose a new ixdex which is based upon ctmoarahla infonmtion. The Note Holder will give me entice of this choice. (C) Calculation of Interest Rate Changes Before each Interest Change Date, the Nate Holder will calccate my new interest rate by adding Pam paints ( ~~_t~ to the Current Ixrl~c. Tte Note Holder will then miaid ~t of this addition to the nearest one-eighth of ore percentage point (0.125X). This rounded aaocot wilt be my new interest rate until the next Interest Change Igte. }?xcept the [aximixi interest rails shall not exceed 14.990°. {D) Interest After Default The interest rate x+equired by this Section 2 is the rate I will owe both before and after any default described in Section 9(B) below. 3. CALCULATION OF AMOUNTS OWED EACH MONTH The Note Hol~r will calculate my Ail1 Monthly tmoint. The "Flxll Monthly ebmcmt" is the amount of the mmthly pa}mot that world be suffici~t to repay the ucq+aid principal bsla~e of my loan is frill at the innermt rate I mm requtred to pay by Sections 2(A) and 2{C) above in suhsr~.,rtatly ~ Payer on ~:n, ,which is called the "matm-ity date". My fixer Full cA7~,lt r ~t ~,, g~ ~~ ore each Zntrsest Chffi~ge Date, the Note HDider wlil y whidt I will owe each month beginning on the first monthly payment date after the Interest Change Date. Tre Full Monthly Amotnt I owe may be more or less than the amamt I mm required to pay each month. Section 4 below states tM_ amount of my monthly payment and how it will change. Section 5 halve describes how my ~P~d P~P~ ire will ~ if the amont of my monthly payment and the 14x11 Monthly Amocmt are different. 4. PAYMENTS {A) Time and Place of Paymaxta I .aitt Pay principal and interest by PsY~ts every month. I g1I1 mares mq, mnochly paymenca on the first day of each mmth beginning on F~n~~~-1~Reti4Y.e 'ao ~ otl~ ~ t~ Pey~~ avert month wtil I leave paid all the say charges described helve that I may owe under this bbte. rRr manth).y paye~ntm will be applied to interest before paixripal. If I still owe amanis under this tbta on the maturity date, I will pay those amants in full on that daGZ. Those amamts could be 8ressax` rhea the amwnt of ~ leer mmthiy payment before the ~tucity date. I wrttt cake ~ Y payments at 2120 South 73rd Street, Cmsha, Nebraska b8124 or at a dlffex-mnt Place if ru~iied 7N the Note Ho]der. - i[-9i`I JC-f~ f: a 7z TMC-005 (qc) (page :) fiyew 1`.tB3)