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<br />83- 005181
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<br />I will make my monthly payments at
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<br />2120 South 72nd Street, Omaha, Nebraska 68124
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<br />or at a different place if required hy rhe Note Holder
<br />(B) Amount of Monthly Payments 403.76
<br />My monthly payment will be in the amounl of U $, S ' , , , , The Note Holder will change my
<br />monthly paymenl as required hy Section 4(C) below on the 6th Interest Change Date and on that day every 36lh month
<br />tbereafter, Each of these dates is called a "Paymenl Change Date, .' The Note Holder will also change my monthly payment
<br />on any Interest Change Date if Section 5(B) below requires me 10 pay the Full Monthly Amount,
<br />(C) Calculation of Monthly Payment Changes
<br />Before each Payment Change Date. the Nole Holder will calculate a new monthly paymenl sufficient to repay the unpaid
<br />principal halancc on my loan in full on the maturity dale arthe Payment Rate in suhstantially equal payments. The "Payment
<br />Rale" is the sum of Ihe Index ligures on the live Jn~.rg~t2 Change Dates pr."cee~i~!! Payment Change
<br />Date plus the Current Inde\. diVIded hy tbe number 6~ p~s ' i:' 'Ctl tt~rcent';ffaFu.:,ntHt'eres't' 'rif~ rg~'1'h,Ja
<br />the nearest one,elghth of one percentage pmnt (f), !lYk')'s~~l] not a exce:d ma 13.990%.
<br />I will pay the amount of my new monlhly payment until the next Payment Change Date unless Section 5(B) below
<br />requires me to P~IY the Full fvtomhly Amount.
<br />(0) Effective Date of Payment Changes
<br />Until my monthly payment is again changed. I will pay the amount of my new monthly payment each month beginning
<br />on the first monrhly payment date after the Payment Change Date. or Interest Change Date if I am required to pay the Full
<br />Monthly Amount
<br />5. UNPAID PRJNCIPAL BALANCE
<br />(A) Chanll"S in My Unpaid Principal RalaR<:e
<br />My monthly paymem could be leSs. than the amount of the- Imerest portion of the first Full ~1onthly Amount I owe or
<br />less than the mtere~t portjon of my first Full ~.1()mhl~' Amount afttr an Interest Change Date. If so, the Note Holder will
<br />subtract the amounr of my momhly raymenl from the amount of interest I (\wc and wiH add the difference to my unpaid
<br />principal balance each momh lintl! the nt'XI Intcp.,:st Change Date _ Tht: Note Holder win also add interest on the amount of
<br />this difference to my unpnid prinCipal balnnct:" I.;ach month, Until the next Interest Change Date when the Note HOlder
<br />determines my new rate of interest on my thtl1 unpaid principal balance, [he rate of interest on the interest added to principal
<br />will be the rate dctcrnlincd in Sc\.'tlon .: :ioove.
<br />My monthly payment could he more than tht~ ~t11ount of the Full Monthly Amount. If so, the Note Holder will subtract
<br />the difference from the unpaid pnnl..~lpal !>;danf,,'(" pt my idan t'a\:h month until the l1t'xt (nterest Chang~ Dale as if 1 had made
<br />i.i partial prepayment under Sc_t:"tion "7 heiow,
<br />(8) Limit on Unpaid Principal RillanL'>': Required Full Monthly Amount
<br />My unpaid pnnctpal halarKT t:an never ~\{,.t.'"t'd a ma.xlmum amount equal to one hundred twenty-five percent (l259t) of
<br />tbe principal amoun! l.)ngm:dly horro\\"ed_ Jf m.y paym!! the amount of my monthly payment after any Imerest Change Date
<br />would I,,:ause the unpaid princl~.iI h^.l1an-l'~ r" I.::\\.'t"('d that maximum amoun! at any time. I must pay im;lead the FuB Monthly
<br />Amount as my m-t.lnthJy payment untd rhe nc-,\t Paym"-~lIt Chaligc- l);i.te.
<br />6. NOTICE OF CHAN(;ES
<br />The !'k1i~ HI..)Ider v.-ill molil or tldiv~"r 1\1 111t' ;1 Jl~l[l(l" qf any change"" in the Full !\'1onthly Amount .md my monthly
<br />pa)'[llC'nt before rhe dfe\.'i:lvc d~1tc of an.! ,--h~m~l.' {'he noll.....r: WIll include !nformati~J[l rcquirl'"d by law to be given me and
<br />~lsi) tht' tltk and teit'-phone number Ilf a person \.\'11\\ "\,\,1Jl an'iw~r any que~tion 1 nlay jwvc rcganJing [he notice. "
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<br />8. CHARGES: LIENS
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<br />Uniform Cn....enaur --i- l,f tht' S-e...-unty tn.,tnHlh:nt b .ltllt:'IH_k-J in rl.~ad a~ follows.
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<br />4. Charges; Liem. Born.\\'l.'~r ...hail puy all Lt\c,:> , ,t":.c;'\~t1lt;'ub. and {~ther I.:hargc~. tine~ and imposition~ attributable to the
<br />Property whil..'h may .I.Uain d pnnrjlY \)\"I.'f lhi.. ~el..-urity Jns.tnHtl~nt. anti lca~choid paymenls or ground n:nl.s, if any. in the
<br />manner pR.,vided lHh.kr paragr..iph .:: h(Tc\',l Of, it nut p~id ill SUi..'h manne-f. by Rom,)\-\'Cf making paymcm, when due, diredJy
<br />to the pa)'C~ tilt-:n:~_)f. Horrower ~haH prumptly tumi:ill to Lender all nt>tke~ of amoUnl& Jue under this paragraph, and in the
<br />t'y.-.;.nt Born.l\ll-'Cr shall make payment dircdiy. BornJ\\cr ~haH promptly furnish to L~ndcr receipts e\iidencing such payments.
<br />Bom")wer shall promptly di~harge J.n} JI.t:n \\'hh.:h ha~ priont} t)\it:f this SC-t,;urlly 11lslrumt:nt: pmvidcd. that Borrower shall
<br />not be- required to t.tiM::hargc an) su...:h liCll ~o long <l~ Borruwer: tal ~hajJ agree in writing to the paymem uf the obligation
<br />SCCUfltl'd b)' sut,;h lien in a manner (t(l.'t"plabk- lo Lender: tb) f"h.all m gOt}({ failh contest .,u~h lien by, or d~fend ag;iinst
<br />enforcement of :-.uch lien in. legal pro..::ceding.s \I\-hi~h in the opinion of Lender opcnttc to prevent the enforcement of the
<br />hen or forfeJtun:' of the ProIX,ny t.r illl)- part tllt'fe,of: ur h:} shall St;:l..:UW from the hl}ldcr of Slh.:h lien an agreement in a fom}
<br />-satisf~IOI)' to Lender sl.lb~Jrdimtting su~h lit"n fl.) tlH-~ S-i.-"l.:uri[y Instrument.
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<br />(f Lender J.ch~m)!nc~ thuI aU or any part of the Property is subJe-cl {o a hen \.\'hi(:h may aitain ij priority ovc:r this Security
<br />instrument, Lender shall send BOm)'-"Cf notlet' identifying ~uc-h lien. Borrower shaH satisfy ~uch lien or take one or more
<br />of the actions set forth <ltxlve \""lthin ten da}~ of the givmg of notl(:t.',
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<br />C. NOTICE
<br />Unifoml Covenant 14 of the St.,\;unty tn~truiHcnt is amenJcd to rf..~ad as foliows:
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<br />14. Notice. EX.'Cpl for any notice ~uirc-d under apph(,ahk- iaw to l>c given in anolh~r manner. (a) any nOlil.:c 10 Borrower
<br />provided for in this S\.'i.;urity InstIUmem ~ha1i be given by ddivt;;rlllg it or by ma.iling it bj' tjr-!;,t class mail adJrc-~sed tu
<br />Borrower at the Prvpert-Y Adtlrc$'S or at su\:h other dddn:S,,'i a.s BOn't.H.\'er may J(,~lf,natt: by nuti<:.:c to Lender as provided herein.
<br />inKt ib) an; notice 10 Lender shall be giVt:"U by fint da..,>;:~ mail tn Lemler \ ilJdre~s ~latc-u !il;n:in or to Sth.:h oth~r address a~
<br />t.ender may de~ignak: by nutlcc to BOff{)''J,-Ct: itS p-ruVJ&d hacl.fi. An) rl-ullL'e proVided for in thh SCJ,,;urity Ins.trument shall
<br />be deerned to halt'f. hcen given to I:kmnwe..t' Uf Lcndc.r ",'hen given in the mauner tk-signatcJ herei.n
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<br />(). UNU'OItMMOIll'G~Gl';; (.OYERNI.N(; LAW: SEVJ,i;RABIUT'i
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<br />-Uuiform C{)\'-c'tWlt J.5 qi the ~i.lriJ.y 1n.)!nun4.~m IS ~fI".rt:ndcd to [CoW as followj:
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<br />IS." UuifcH'1'il ~to~i. Govtfl'tUta J.D... M-\l~rabllit).~ Tllls fiJfm j,tf Security lnstrurncm ":;-(U11hin-c~ unih:\fftl ("(Wl;.~nanl.'i. h~r
<br />l1il~~ ti.'iot awj: J\t:lfHmif..)t'ul ;.'(lVC(\-JlOt1:> with hl"nit(~-d \.analioi1!\ by juriMikt.iun to ronsllU.Hc a um!f..lnll ~e(lirity in:!\tru.rnC'nt
<br />(o-v~fing .rew f'fflJ:pcft.l. Tbi~ Sc>..'_urif)' In'J.tr'oJmi,~Ht ~,haH be ~~l}\r(~m-cd. by fe.JCf~l law .HlJ the Lay, (11" the .Jurl!!.dktittn {Ii \\'hid\
<br />the -P'r-l:..ipCft,;- }.'I. k~,;a1t(i. In t.hc I."vt;:n1 ~hat (,my rfU~~C;l:(1t; Of (; lau'Oc or th.l';f S~;t."-~n;! In:-.tt"tHHo:nt \\1' lht" ~nh,' dl~]llt\.'t; '\clrh
<br />-.ippiK"abic law, "-u'I.:h ,-otiffn:-! "haH n~)! .ttloe-d dthe! PH}"d'W,~rt~ of fht5 Se,.unn In...nl.lnv,'n~ lil tht: \uh: \<.fHdl ....,H\ bol' t,:!"d~l"l
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