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~ ~-tiQ:~54 AD3USTABLE RATE RIDER THISt1DlUSCAB!>BItATERiDBR"ss~madethis tQ.~h_-daYdf Taniiary ,194-_. - and is tncorffty-atdd into ands shall ~be'dexmed to amrnd aad~ supptement the Mortgage; Deed of Trust; or Deed to Secure-Debt (the-''SECUrity-. Insertttrtedt") of thesanteda[rgiven by thctindersigned {the "Borrower") to secure Borrower's Adjustable Rats Note to HOME FEDERAL ;~~-fpfg5 -g- ~Optlfi' {ES${1GlI4TION` Off' t3RAND ISLAND; NEBRASKA (ttte "Lender") of the sam6 date (the "Note") aidd caveefng the prdperiy deseribed'in ihtSecurityInstrument and !opted at: 004 Wt=_stside rand Island- Nebra 1<a 68B - (Property Address) TM Note conMrre provisions allowing far changed in-the interpt rate: If the interest rate- ie«eases; ike-Borrasrer's monthly' payments will be higher. [f the interest rite desrsasea, the Borrower's maathtg payments ail! be !ewer: ADDIT}ONAL COYBNANfS. In addition tothe covenant and agreements made in the Security Instrument, Borrower and-Lender fcrtharcovenantnnd agra as follows: A. IlttI'EitEfif'RATE-AND MONTHLY PAYMENT CHANGES Tltr Notc provides far an initial interest rate of 11 '? u. Section 4 of the Note provides for changes in the interest rate and the momhty payments, as follows: #, (NTERESTRATERNDMONTHL}'PAYMBA?TCHANGES (A} (~iYagsf)tttes (+larch .19 85 ,and The interest rate t will pay !nay change on the let day of on that day of the month every 12 months thereafter. Fach date on which my interest rate could change is tailed a "Change Date." (g) T4c.tsdes- - Betgttning with tae fast Change Dale, my interest rats wilt be based on an "Index." The Index is the weekly average yield on United States Treasury securities adjusted io a constant maturity of n_~? -- Y~• ~ made available by the Federal Reserve Boazd. The most !scent ltidex Figure available as of 45 days before each Change Date is plied the ' `Curren[ index." if the Itidex is no tortger available. the Note Haldu will choose a new index which is based upon comparable information. The Note Holder will give me notice of its chain. (C`) Ca{cahtias of Clsnnges Before each Change Dots, the Note Holder will pleulate mY ttew interest rate by adding t t~tn _c~ nne-~''g].~-- Percentag, points {_ ?~ Wi) to iht Current index, and rounding to [he nsazcst l /gs/a. The sum will be my new interest rate. The minimum interest mte as [his loan will be no less than q ~ 9s. Ths maximum intern! rate on this loan wiG be no more than ~~ 4 S %. The Note-HOtder wilt then daertnine the amotmtof the monthly payment that would be sufficient to rePaY in full the principal I am expected tv owe on the Change Daze in substantially equal payments 6y the maturity dafe at my new interest rate. The reed! of this calwlation wilt bx the rtew amount of mY monthly payment. (D) Eftectivt ihU of C6ae<;ta My.new intuest. rate wilt become effective on sash Change Date. t will pay the amount of my new monthly payment beginning on the fast tnonthlY payttuntdate after the Change Date until the amoum of mY monthly payment changes again. (8? NotMxotCh~a The Nme Holder will mail or deliver to me a notice before each Change Date. The notice wilt advise me of: (i) the new interest talc on mY loan as of ehe Change Date; (ii) the amount of my monthly payment following the Change Dare: {iG) any additioriai matters which the Note Holder is required to disclose; and (iv) the. tills and telephone number of a person who will answer any question I may have regarding the nonce. & CHARGESi LIENS Uniform Covsttant 4 of the Security Instrument is amended to read as follows: #, Chn1a~1 IJns. borrower shall pay all texas. assessments, and other charges, Fmes and impositions attributable to the Property which may atyln a priority over ibis Security Ittstrumeny and leasehotd payments of ground rents, if any. in the manner provided under paragraph 2 hereof ar, lf. !tot paid in stub manner, by Horrowsr making Payment. when due. direcdY to the payee thereof. Borrower shall Promptly furnish [o f ail. notices-af amounts due under this paragraph, aid in the event Borrower shall.make payment directly, Borrower shall Promptly - tlttitish.to t._-rccr)gis evidencing sta;ft payments. Borrower shall promPtiY discharge any lien which has priority over this Security ld~rmncrtt; h>swever, Barotina sttai}not be regtdred to discharge any such Gen so tong as Borrower: (a) shall ogres In writing to the payment of the.oWiipuinuse+:ttrpl by,-such lieri,in a manner atx:eptablo to Lender, (b) shat in good fadth contest such Gen bY, or defend against entorament - o[ sueis flea in, Fsgai ptxte&sdiags which in the opin'ton of Lsnd~ operate to prrvent the enfortx'snsnt of the )ien or forfeiture of the~"roperty or arty part t}ttteof; orlc} shallsentte from the hntdcr of such Gen ao agreemem in a form satisfactory to Lender subordinating such lien to this :5mtrity tnsuutitenf. - - -. if i,adst tktetmiacs:iluu; alt"at.any pari of rite-Property is subject ~? a Tien whish may attain a priority over this Security tnstrument, !.ender - shad give 13orrawct a nots~ id,.wttif sushlisn.-Borrower shall satisfy sash Gen ar tales ens or more of the actions set faith above within ten ...days of the givtog of tttt ptathia.. t;; !M(Ti1C8 uniform (:avenant }# pf ihc~surity }dstiuntetst is attt~ilatl tr+ rem as faRows: ~. "sMks. ' for miY ttotice;r+btuvc.} uaskt apPFi~.tfle.}av: to he_givr~ irkanother ntatttter, (a) any notice to Borrower provdsd for in chts tiaatrlty lnstiumerti~ ahts{S.11g,„glusg.lt} dcivstinRit otiry niaii#n6 it by first tiass'ttutik to Berrowet aN the Property Addrats ar a[ such other address 4r 13dirirw« ;nay dt»ignatg-by.nolax W !,ender sat ptP+!id4d ixrsi n,.and {b) any_rtotiss to.itttder site!! be given by firer class mail to.Lemttx'r ;Ad:4tcu ciKeKt her Ciir nr to atrot~s:arhlrass aR_L;SrWar.maY dptauate t}Y natii€ Sa.BrNra'wer a5 P-ravi~Cdhsrsin; AuY aati4Y prov3ttsd for in 1t1is ''~RIXUfiity-incAr»,s}gkB~dxi)so haYa-itii~a' to floriawcr.~ 6.art€IGr when 14vea is tyre rrwtnce ds~sd herein