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$4~' 001850 Loan No......57-051.-1-1b-•... ADJUSTABLE RATE LOAN RIDER NOTICE: THE SECURITY INSTRUMENT SECURES A NOTE WHICH CONTAINS A PROVISION ALLOWING FOR CHANGES IN THE INTEREST RATE. IN- CREASES IN THE INTEREST RATE- WILL RESULT IN HIGHER PAYMENTS. DECREASES IN THE INTEREST RATiy WILL RESULT IN LOWER PAYMENTS. This Rider is made this . __ 9~?._---..... day of .......-_...__....k,Pr?.._-......, 19.84.., and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Deed to $ean+a Ueht (the "Security Instrument") of the same date given by the undersigned (the "Bosrower") to setane`8or- rower's Note to ....... _ ...... .........._.._..._.- - - .....-.-........... - -- --.........._....------------.................:.................... F i rs r_ Fede re 1-. Sava ngs ..acrd.-.GQaxz..Assos.lat.Lan..af ..Lincoln,-.a..I)aped:.Stake~a..eati•Itoratloa... ( the "Lender") of the same date (the 'iVote") and rnvering the propeety described in the-:fecnritg ItrErtf- went and located at . ~OS_East...7._ ..............._.-....._.--....p~y A€~~ ldgndY..tiebsaeica..6i8Qi.,........ MODIFICATIONS. In addition to the covenants and agreements made in the Security Inatroerent, H~!- rower and Lendez further covenant and agree as follows: :1. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note has an "Initial Interest Rate" of_.....-11.SQ0..-.% .. Interest refs changes may occur on the 1st day of _....---..--- ................May..--..........., 19_$3.. and on the `{ let day of .-......_--.--.- --------November----• 19$5_.. and on the Ist day of _---------.----...-May-.___-.~_., I$..fifi. ", and on 'he 1st day of _.._ ............._-._-..Navemher...., 19-95_ and on those dates of thane months in year thereafter. Each date on which the rate of inteeeat may change will be called a "Rata Change ~F Changes in principal and interest payments to adjust amortization of the loan to oottaapond with '~ interest rate changes shalt be made on the tat day of ------------------__....-... p~ 19at... andop,alttt ,ri date every .------.. year(s) thereafter. Each date on whrch the princirpel and interest payment may ` change will be titled a "Payment Change Date". ,°s Changes in the interest rate are governed by changes in an interest rate rode: called- the "Ialdet''. Check bo=(es) to indicate Index (t) ^ "Contract Interest Rate, Purchase of Previously Occupied Homes, National Averatge ~ =all: Major Types of Lenders" published by the Federal Home Loan Bank Board. (2) ~, Aci.justable--Bate..bore-.-..atoAchly---average.-y,iold-.oa.-U.S.-.Treaeur~! Sec+-cf:#sa.., ad jusE~d._tQ.-.a_cnmc~taut..matxci.ty.. uF..l..year-.p.ub.lished._.hy..the..>ed~ezal_.Aeaerre..$uazdu.:....r,..-,.:..,. Check bo:tes) to indicate limits. (1) ~'", If this boz is checked, there will be no rnaxirnom limit on ehartgee in then iAtereat.raf~ _tt~!R clown. The Prelicninery Rate refereed to in the Note, will be the new interest rate. f2) ^ If this 60: is checked, the interest rate that I pay shall not increase more than ..............._... percentage paints on any Rate Change Date. (3) ~~ If this bo: is checked, the interest rate that I pay shall not decrease more thsa ...............•.... percentage points on any Rate Change Date. (4) ~ If this box is checked, the interest rate that I pay shell never be more than ..13..45t).....~, during the period I have my loan. {5) ;~ If this box is checked, the interest rate that I pay shell never be lean than ..(1.AlUa..,.._gb during the period 1 have my loan. (6) ~ Il this box is checked, the principal and interest payment that I pay shall not ineteeae more than ... - percent on any Fayment Change Date. (i) If this bo: is checked., the principal and interest payment that I pay shall net decrease more than ....-_-_......... percent on any Payment Change Date. The manthl_v payment amounts will also change on Payment Change Dates as provided is the Note. Because payment changes rosy occur less often than interest rate changes and/or may be subject to certain limitations desexibed in the Note, the monthly pa ants may be insufficient at times to pay accruing interest. In such case, unpaid interest is added to the principa! balance of the Note and itself will accrue interest thereafter. r...,., ate u ~..~