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R I D E R ~4 r [1 U 10'7 8 NOTICE: THE MORTGAGE SECt1RE5 A NOTE WHICH CONTAINS A PROVISION ALLOWING FOR CHANGES IN THE INTEREST RATE. INCREASES IN THE INTEREST I:ATE Wll_L RESI/LT IN HIGHER PAYMENTS. DECREASES IN THE INTEREST RATE WILL RESULT IN LOWER PAYMENTS. This Rider is made this 1st day oP March 1984 and is incorporated into and shall be deemed to amend anc! supplement the Mortgage of even date and attached hereto given by the undersigned (the "Borrower") to secure Borrower's Note to The United States National Bank of Omaha, Nebraska (the "Lender-") of the same date (Ure "Note") and covering the property described in the" Mortgage and located at Lot Fifty-Eight {58), Le Heights Fourth Subdivision, Hall County, Nebraska --- --- 2108 Viking Road ran s an ~_ _ _ roperty Address Modifications. In addition to [he covenants and agreements made in the Mortgage, Borrower and Lender further covenant and agree as follows: A. INTEREST RATE AND MONTHLY PAYM-ENT CHANGES The Note has an "Initial Interest Rate" of 11.50 n. The Note interest rate may be increased or decreased on each Change Date, as described in Che 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 ad,7uste o a cons an ma uri y of one vear. 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 interest rate are Ilmrted to a change of 2 ~ each Change Dale. If the interest rate changes, the amount of Borrower's monthly payments will change as provided in the No[e. Increases in the inter- est rate will result in higher payments. Decreases in the interest rate will result in Tower payments. B. LOAN CHARGES It could be that [he loan secured by the Mortgage is subject to a law which sets maximum loan charges and that law is interpreted so that the interest or other loan charges collected or to be collected in connection with the loan would exceed permitted limits. In 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 collected 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 described in Paragraph 17 of the Mortgage, Lender may require either an increase in the current Note interest rate, an increase in the Base Index figure, or a change of any of the loan Ic°rnu, as a condition of Lender waiving. the option to accelerate provided in Paragraph 17. By signing this, Borrower agrees to all of the above. Le~` Whi Y"'~ ~ Borrower sit' ~ ', .~ ''~' Garbara F. Whiting E3gri~ower