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I ~.~ 834j06169 Omaha, Nebraska 68124 83';;;" 005802 I wiU make my monthly payments at 2120 South 72nd Street, r or at a different place if required by the Note Holder. (B) Amount of Monthly Payments 445 63 My monthly payment will be in the amount of U.S. $ ........... :... ...... The Note Holder will change my monthly payment as required by Section 4(C) below on the 6th Interest Change Date and on that day every 36th month thereafter. Each of these dates is called a "Payment Change Date. .. The Note Holder will also change my monthly payment on any Interest Change Date if Section 5(B) below requires me to pay the Full Monthly Amount. (C) Calculation of Monthly Payment Changes Before each Payment Change Date, the Note Holder will calculate a new monthly payment sufficientlo repay the unpaid principal balance on my loan in full on the maturity date at the Payment Rate in substantially equal payments. The "Payment Rate" is the sum of the Index figures on the five Interzst Change Dates preceedinC a Payment Change Date plus the Current Index, divided by the number 6, plus .3:. .50.... ~rcentage point~ (3... .5~.... %), rounded to theneareslone-eigh'" of one percentage point(O.125%)'~h~ll't n~~a~x~e~d rnai~~990~~terest rate changed I will pay the amount of my new monthly payment until the next Payment Change Date unless Section 5(B) below requires me to pay the Full Monthly Amount. (D) Effective Date o(Payment Changes Until my monthly payment is again changed, [ will pay the amount of my new monthly paymenleach month beginning on the first monthly payment date after the Payment Change Date, or Interest Change Date if I am required to pay the Frill Monthly Amount. 5. UNPAID PRINCIPAL BALANCE (A) Changes in My Unpaid Principal Balance My monthly paymenl could be less than the amount of the interest portion of the first Full Monthly Amount I owe or less than the interest portion of my first Full Monthly Amount after an Interest Change Date. If so, the Note Holder will subtract the amount of my monthly payment from the amount of interest I owe and will add the difference to my unpaid principal balance each month until the next Interest Change Date. The Note H}lder 'vill also add interest on the amount of this difference to my unpaid principal balance each month. Until the next Interest Change Date when the Note Holder detennines my new rate of interest on my then unpaid principal balance, the rate of interest on the interest added to principal will be the rate determined in Section 2 above. My monthly payment could be more than the amount of the Full Monthly Amount. If so, the Note Holder will subtract the difference from the unpaid principal balance of my loan each month until the next Interest Change Date as if I had made a partial prepayment under Section 7 below. (B) Limit on Unpaid Principal Balance; Required Full Monthly Amount My unpaid principal balance can never exceed a maximum amount equal to one hundred twenty-five percent (125%) of the principal amount I originally borrowed. If my paying the amount of my monthly payment after any [nterest Change Date would cause the unpaid principal balance to exceed that maximum amount at any time, I must pay instead the Full Monthly Amount as my monthly payment until the next Payment Change Date. 6. NOTICE OF CHANGES The Note Holder will mail or deliver to me a notice of any changes in the Full Monthly Amount and my monthly payment before the effective date of any change. The notice will include infonnation required by law to be given me and also tbe title and telephone number of a person who will answer any question I may have regarding the notice." B. CHARGES; LIENS Unifonn Covenant 4 of the Security Instrument is amended to read as follows: 4. Charges; Liens. Bom)wer shall pay all taxes. assessments, and other charges, fines and impositions attributable to the Property whicl> may attain a priority over this Security Instrument, and leasehold payments or ground rents, if any, in the manner provided under paragraph 2 hereof or, if not paid in such manner, by Borrower making payment, when due, directly to the payee thereof. Borrower shall promptly furnish to Lender all notices of anlounts due under this paragraph. and in the event BOIrower shall make payment directly, Borrower shall promptly furnish to Lender receipts evidencing such payments. Borrower shall promptly discharge any lien which has priority over this Security Instrument; provided, that Borrower shall not be required to discharge any such lien so long as Borrower: (a) shall agree in writing to the payment of the obligation secured by such liet) in a manner acceptable to Lender; (b) shall in good faith contest such lien by, or defend against enforcement of such lien in, legal proceedings which in the opinion of Lender operate to prevent the enforcement of the lien or forfeiture of the Property or any part thereof; or (c) shall secure from the holder of such lien an agreement in a form satisfactory to Lender subordinating such lien to this Security Instrument. If Lender determines that all or any part of the Property is subject to a lien which may attain a priority over this Security Insttument, Lender shall send Borrower notice identifying such lien. Borrower shall satisfy such lien or take one or more of the actions set forth above within ten days of the giving of notice. C. NOTICE Unifonn Covenant 14 of the Security Instrument is amended to read as follows: 14. Notice. Except for any notice required Wlder applicable law to be given in another manner, (a) any notice to Borrower provided for in this Security Insttument shall be given by delivering it or by mailing it by first class mail addressed to Bnrrower at the Property Address or at such other address as Borrower may designate by notice to Lender as provided herein. and (b) any notice to Lender shall be given by first class mail to Lenders address stated herein or to such otber address as Lender may designate by notice to Borrower as provided herein. Any notice provided for in this Security Instrument shall be deemed to have been given to BOllOwer or Leuder when given in the manner designated herein. D, UNm)RM MORTGAGE; GOVERNING LAW; SEVERABIUTY Ul!iform eovellluu15 of tbe Security Instrument is amended to read as follows: 15, UnltDn:n~; GovemlAg taw; Severahlllly. This form of Security Instrument combines unifonn covenants for t1ation8I Use and oon-uniform covenants with limited variations by jurisdiction to constitute a unitoml security instrument CQvering real property. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which tbe Property is locllled. In tbe event that any provision or dause of this Security Instrument Ot the Note conlliets with applicable law, s-u.::h confli'~l .shall nvt affet,.'t olhe-r provisions of this Security lnstrumem or the Note which \:an be given