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ADNSTABLE PAYMENT RIDER ~' ~~ ~ 5 4 5 TiD:S ADJtSTABIE PAYlFlif R1DER is made this 1st day of February 19fi4 anti ~ itteorpoatad into and. shall be deamet to arced anti aippTem~t tM , or to Seaae Debt (the "5enaitY Ittstrtaett") of the a~ date glum by the udersig,ted (the ••Borrasr") to sense 8ocrawer's Adfier.tito Paymed tote to Tarr Firemcial, Inc. (tale "Lender") of the s~ date (the "Note") anti oouerin8 the Property deacrJ.bed in the Senaity Intneent aed ]orated at: 4C~ 7 ;' n f ' ' d ra d land :Pebraska 6S3H01 The Note Contains Provisions Allowing For Changes Zn The Interest Rate And The- Monthly Payment And For Increases In The Principal Amount To Be Repaid. The Note Also Provides For Calculations Of Tvo Separate Monthly Payment Amounts. One Will Be The Amount That I Must Actually Pay Each Month. The Other Will Be An "'^-~ That I Would Pay Each ~wnth To Fuiiy icepay The Loan On The Maturity Date. This•Meana That I Could Repay More Than I Originally Borrowed Or That I Could Repay My Loan Before The Maturity Date. AIDT1TCNpl. OWENANIS. In additim to the mven[tts anti agre®mts made in the Senaity Intrumeot, Horrnaer anti Lader f~ttter mvetad anti agree as follass: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note Pxnvides far an initial interest rate of ?i.~`C"X. Sectaaas 2, 3, 4, 5 acd 6 cf the Note provide far in the interest rate aed the ~ tsyments, as follaus: "2. INTEREST (A) Interest Owed Intezest +x1.11 be charged m that part of principal sttich hoe rot beet paid. begir:tirg m Che sate I receive principal sari cauiaiing mail the felt amaent of principal has heat paid. Begiming m the date I receive prirtclpal, I will ply interest at a yearly rate of 11 .25Q X. the interest rate I wlll pay may change m the first day of the month of `:arch 1, .,~.~r~ and m that day every ' ' ~ F: month thermfter. Each date m which the interest ate a ca1]ed on "Interest Cna~ge Date." The nea+ irser~t rate will become effective m each lnterrat Change Da[e. (B) The Irdat with the first Snteneat Charge Date, mY interest ate sdllrbe tweed m an Index. The "Indat" is tlfe `:aekly ~t;,zrare Sie1r >x^^, !:,~Iteci !,rates iresrry act._iries acf,~tistc-d to a arnstant cy?t1t27.ty of 12 c['X8T , ag C serve moat r'el:ed ;,^: ereGtn mate I wi lt7 Fes, 4days1 beforeeach Intezest Change Date is called the "Curr'mt Ittdac". 'the If the Ibex is m 7Drtger avatl~ lay Che Note Holder will choose a new ibex which is based upon compsable information. The Note Holder will give me entice of this clnice. (C) ~a1rJ+l~*+~+ of Interest Rate Changes Before each Internet Change Date, the Note Holder will ralr.,larn my new internst ate by adding Ht tie reauTt of th~ad~diti~aa to tie neairat) L° the C~nz~ett Ttdot. The Note Holder will then road me-eighth of one gence~tage point {0.125X). This raided amaat will be my new interest ate mtil the next Interest C!-ange Date. `xcept t.~e maxis:ra. interest race s1+e2I rot exceec! w 3 . gg0;r. (Dj T.,ey.ryr After Default requir9+e~d~ ~t~ Section 2 is ttc race I trill as both before and after any 3. CALCULATION OF t4`lOUNTS OWED EACH NONTA Th>: Noce Holder will ral.ynn.. mY Full Mmthly Amaatt. Tee "Atll Monthly Amaat" 3s the aaatt of the amthly payment that would be sufficient to repay the unpaid principal balsttce of aq loan in full at the iatereat race I en regtdred to pay by Section 2{A) anti 2(C) above in aubstantial],y equal payamts on 'larch 1 2Ct14 ,which is called the "maturiry date". My first Ails Mouchly edotnt .. .~...i~~ ore each Interest Ctwnge Date, the Note Holder will ralotlate the ztew Putl yet-which I will we nth month begiaeing m the first mouttt~y payaant date after the lnteeeat Chmge Date. The Aril Monthly Amaatt I owe may be more or lras then the amount I am required to pay each north. Berrien 6 below states the amomt of my marthlY payment aid how it will change. Section 5 tlelow deacribas how my unpaid principal balatoe still charge if the arrant of my ~Y PaY~ anti the At11 lixtehly Ascent me differed. 4. FAYlIB~f3 (A) Tice ad :Place of Pnys~s I trill pry Pt~p~ and inte~c by ~6 Payma~ta every match. Z -wilt. mite ag. mmthly psymots m the first day of each month begiatiag m A~ r3i 2 , ) ~3H6 I will mete these paymeYa every month until I have paid all Che any orbs dsurges desrtibed belw chat I may see atdrr this Note. My T leymencr ~rili be applid ~ intatsat before principal. If I still ae mats u~ this Norte-nn the smprity dace, I wlll pay etnaa aeointr is full m that date. Those amounts oaild be gR'arou' Cbp tint auutett of oqr ]sat monthly Plc before the mattrity date, I will Wise a4. attothiy pa3mantta at 2120 Sash 7?sd Street, Ovmtr, Ndtnaka 68124 or at a diffeeaat plane if raqutrred by film-Note Holder. T'.4C-005 C_eyc} (Pag¢ 1) !wew 12l8~)