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~ ,.w__ $~ °'~"' . () (1 ~ 3 4 5 0900102-1 ADJUSTABLE PAYMENT RIDER THLS anntrrnurF, PAYMENP RIIEit is made this 23rd day. of Jamiary 1884. and is incozpeiEated. Into- and: shall.. be deemed to ametd 'the , or" to Senu~e (the "Secaaity InsExt-*°,) of the .same date given by the imilersi8oa9 (the "Basower") to asase.,Boitocer`s. Adjustable Paymrnt Note to Toler-Ffi+mmt=t, Tnc. (the>''Lendet") of the same dam (the "Nate") and covering the property desetibad in the Seceaity InattimeaC and-located at: and Nebraska -68801 The Note- Contains Provisions- Allowing For`Changes In The Interest-Rate And The Monthlq Payment-And For Increases In :The Principal Amount To Be Repaid. , The Note Also Provides For Calculations Of Two Separate°Moathlp Payment Amounts. One Wi11 Be-The Amount That I Must Actually Pay .Bach Month.- Tbe:Other-:Will Se An Amount That I Would Pay Each Month To Fully Repay-The-Loan On Ttie Maturity Date. This Means That I Could Repay More Than I OriginalTp Borrowed Or That I-Could Repay My Loan $afore The Maturity Date. AIDITIONAL CO'JEtYjNLS. Tn additim to the ccve[rsnts and agt'eemer±ts' made' in the'.-Seartity Iffitn~t, BorrnRxr and T.eader furtiws t and agree as follas: A. ZNT'EREST RATTs AND MONTHLY PAYMENT CHANGES The Noce provides for an initial interest rate of 1O.SOf~; ~~~,y 2, 3,- 4, 5 anti 6 of :the. Note provide for ~ fa the interest ate and the mon Fli y ~ymenrs, as Eallae~ "2. INTEREST (A) Interest Owed Lztenest will be charged oa timt part of principal which has not been Paid. bed on'the date I receive principal and cmtitat3ng until the fu11 amount of priadpal has-been laid: Begicating an the date L rernlve principal, Z will pay interest at a yearly rate of 10.5008, The inCernst rate Z will pay may change on the first day of rice month of August 1,--" and m that day every Gth mxuh ttrreafter. Each date on which the interest ate s called m "Interest Cnarige Date." The new interest rate will became effective an each-Interest. ~• {B} The Irdex Begirning with the first Lneerest Date, ray interest rate watt be based rn an Icdea. "Iris' is the cly Auccicx Atera2e Rate ~ l Hired States Trmsvey balls with a matttt~ity of months as made avaieAh~a tq the eeaeral Reserve ssoaru. me most- recent itx t ^^e ,relays befog each Interest age Date is called the "(lai'ent Index". interest rate I wi11 pay shall rot cxtetvf 13.99=)X. If the Index is m longer avaitahto, the Note Holder will choose a new ibex which is based upon compr•*ahta information. The Note ilalder will give me entice of this choice. (C) Calcsilatiai of Interest Rate Changes Before each Interest Chime Date, the Note Holder wi11 calculate. my new interest rate by adding ~ _ paresttage points ( 3. 15r 2) to rte Current Index. The Note Haider will rhea zumd rrrult of this addition to oeaz~st cna^efghth of one percexr[age point (0.125$). This randed amount wd]1 be my new interest rate entil the next Interest Charge Pate. t:xtept the Rnximer: interest rate shall rot e:cceed 13.990. (D) Interest After Default The tnrawar rate required by-this Section 2 is the ate I will owe both before and after asp default described is Section 9(B) below. 3. CALCULATION OF AMOUNTS OWED EACH MONTH 'Ate Note Haider will calculate my F1t11 Monthly Arrant. The "Pull Monthly dmora~t" is the amount of the. mmthly payment tffit mould be aifficieit to repay the unpaid prlndpal balance of my loan in full. at the intermit rate I am requirnd to pay by Secticna 2(A) sad 2(C) shave in substanttally equal payments on } hO1w witiirh is raSlui the "maturity date". My first Frill Monthly Aoaant 3•°.27 ore each Interest Q>ec~e Date, the Note Holder will rAl.~,t~-R the t~ew Fill ~wtiidt I will owe each month hegicatirg on the first m~oihly payment date after the Tnr>*~* Change ikte. Tire Pull Fb~bly Arrant I case may be more ar less than the amount I am required to pap each mmth. Section 4 belacr states the amount of my monthly payment and how it will ctmn~ge. Beerier 5 helcar describes how my ~ principal balance wits ch~i@e if the arrant of my m>nthly payment and the -Full Monthly Pmant are different. 4. PAYMBNTS CA) Time and Place of Payments I ad:it pair pcimipel and intezeat by mekicg payments every mocu~h. I still reie my monthly payments on the first day of each mcozh begirning an -ta rch 1, ! 9 U4 I soil.l make these payments every month until I have paid all the say otter charges described laelw that L ~Y ctie tinder this Note. My ro~ttlg `Pry~~ ad,ll be applied to t.,ra.+aar before principal, ZE I still sae +m+ounts under this Fksta.an tix rat+xity data, I will pay those amounts in full e!n that date. Those amosasta ccxrld be greater turn the ~.sasnt of my last mrsrthly paymanC before the maturity date< I a*L11 maiGS opr aaanthlp paymanta at 2129 South 72nd :Street, Omaha, Blebraska Fi8124 or at a dlFfat+ane place if r~+ired by t3se Bette Eiolder. ,4p1.f£ ~nTA4t..1~ ~' 1^it';t ?'t?T£``: h rrt4y'['~S `?-F, 1. ;'uj' r..,3:: h. i : - ,.• s -. - '!?SC-t}O5 (qc.) (Page .) (Nev l-iftt3)