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84~"~ s~GQ891 R I D E R NOTICE: THE MORTGAGE SECURES A NOTE WHICM CONTAfNS A PROVISION ALLOWING FOR CHANGES IN THE INTEREST RATE:- INCREASES IN THE INTEREST RATE WILL RESULT IN HIGHER PAYMENTS. DECREASES IN THE INTEREST RATE WILL RESULT IN LOWER PAYMENTS. This Rider is made this 21st day of February 79 84, and is incorporated into and shall be deemed to amend and supptement'the' Mortgage of even date and attached hereto given by the undersigned (the.":Borrower") [o -, secure Borrower's Note to The First National Bank p£ Grand I'slan~i (the "Lender") of the same date (the "Note") and covering the propperty described in the- Mortgage and located at 4172 Nevada Avenue, brand Isl+and, Nebraska (Property Address Modifications. In addition to the covenants and agreements made in-the Mortgage, Borrower and Lender further covenant and agree as follows::- A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note has an "Initial Interest Rate" of 11,75 0. The-Note interest rate may be increased or decreased on each Change DaEe, as described in the Note. Changes in the interest rate are governed by changes in an "Index." -The Index is the WEEKLY AVERAGE YIELD_OF ONE YEAR UNITED STATES TREASURY SECURITIES DUSTED TO A CONSTANT.- TURITY ur vir[ r [nrc determined in the second calendar month- preceding each Change Date. Such changes in interest .rate will occur on February 1, 1986 and annually thereafter. Increases and decreases in the inter•esi rate are limited to a change of 2_Q °, each Change Date. II the interest rate clianyes, [he amount of Borrower's monthly payments will change as provided in the No[e. Increases to the inter- est rate will result in higher payments. Decreases in the interest rate will result in Power payments. B. LOAN CHARGES tt could be that the loan secured by the Mortgage is subject to a law which sets maximum loan charges and that law is intecpceted so that the interest or other loan charges collected or to be collected in connection with the loan would exceed. permitted limits. fn this event, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to permitted limit; and (b) any sums already coNected from Borrower which exceeded permitted limits will be refunded to Borrower. lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. C. TRANSFER OF THE PROPERTY if there is any transfer- of the property, including a transfer descrbed in Paragraph '17 of the Mortgage, Lender may require either ah increase in the current Note interest rate, an increase in the Base Index figure, or a change of any of the loan terms, as a condition of Lender waiving, Uae option to accelerate provided in Paragraph 17. 6y signing this, Harrower agrees to a!1 of the ,above. ~. f ~ ~~. 1 ..._.._~ Robertt F. Prouty } Borrawer~ ~ --~ ~, /- JUyc~Prouty Ba` ower,.