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0824779-7 ADJUSTABLE PAYMENT RIDER 83....)06799 a nns AII.lll5TABL& P.AYI!I!Nr lU1EIl.ismade this 29th daY01: December 1983 ani is i~tedillQ)anisblallbedel!llled toaruerd~ tie~. Dlledot TrUst, or Deed to Sed:irI! DIi!>t (tfie"~ ~") of tie_ date given by tie urxIer8igped (tie,'1lorraer~)to ~~iJ.Adjustable-P4yuII!Ill: lbte. ton-rFimncial, Inc, (tie ''ISller") of tie _ date (ffie'''I'tltil")IIIldCOller:l:ilg tie 1EOplrt}' described in tie Secur:I.ty InstruDentand locaI:edat: 1116N. I af"y..He.. Grand Island. Nebraska 68801 ,... ... ......... (Property Addr:ess) The,Note Contains Provisions Allowing For Changes In The Interest Rate AndTne I'.om;hly P.ayment And. For.. Increases In The Principal Amount To Be Repaid. The Note Also Provides For Calculations Of Two Separate Monthly Payment Amounts. One Will lie The Amount That: I Must: Act:ually Pay Each Mont:h. The Other Will Be'An Amount That tlJould Pay Each Month To Fully Repay The Loan On The Maturit:y Date. This Means That I Could Repay More Than I Originally Borrowed Or That I Could Repay My Loan Before The Mat:urity Date. AIIIl:I:Il:NtIL CXl\IENANlS. In addit:ioo to the CO'1eIlSIII:S and ~ made in tie Secur:I.ty IDst:ttIII!llt:, lloJ:rower and Lemler further CO\I8l8I1t ani agree as follt:lwB: 'ii.I:~X:or~==~:teC~G~1.250%. Sections 2,3,4, 5 ani 6 ofthaN:>te proV'idll for <i'IImlJes in tie intea!sl: rate aDd tie nmthly pl}'lll!lltS, as :folla.os: "2. INTEREST (A). In_t <Med I1lt.e!:estWlll be clarged 00 that p3rt of pdn::ip1l1otrlcl1 has not been paid, beginning 00 tie date Ir!!It;ei.ve tdnd-psl aDd N'nH...rlngtmtil thefullllllllllt of pdn::ip1l1-es. been paid. ~ootiedate lreceivepd.nc:l.pll1, I will psy :Interest at a ~ly rate of 11.250 %; The i.nterest rate I willpsy my change OIl tie first day of too IIXXlth of January 1, B85 andcn tblt day ewry 12tll1lllDth thereafter. Each date on Iotrlcl1 tie iiiteIest rate could change is called 00.. "Iid:erest . ~Date. " The new interest rate will becaDe effective 00 each InteIest ctIIqja. IBte. (B) 1he IildI!lt llegim.ing with tie first: Interest Change Date llI!J interest rate wlll 00 based 00 all Index. 1'-' "IndeX' is tie \-ieek1y Average Yield on Imit;;;! States Treasury Securities adjusted to a constG maturity of 12 tOOllt:ns.. , as made ava1l.able by tie Federal Reaerve 1loaJ:d. 'The JJJJSt. recent r ~~~~~t~daJ:1fi~r ~~ tlate is called the "Olrrent Jnlex". . If tie Index is no longer available, tie N:>te lhUler will clDose a new index I<hich is based upon """I"'",hl.. 1nfoaatiDn. 11leNote!blder will give ... mtice of this civics. (C) Ca 1.... 1..':1 00 of lnteJ:est Bate .Cbmges Before each lnteJ:est Cllao8e tlate, tie Note lblder wlll calculate Wj lei interest rate by adding 2.500 pettentage points ( 2 .500 . %) to too Olrrent Index. The lbteHolder. will then lX1UIld the R!llUl.t of this addI.tim to tie neerest one-eighth of oae pereentage l'Of!:!t: (0.125%). This romded aDD:. will be 111)'_ inte1:est ra12l.11til the nexl: Intexest Cllao8e tate. . Except l:lie max:liiii!l interest rateo shall rot e><ceed 13.990%. (Q) Intel:1ISt After Default The . iDl:er\!8t tate D!qlliI:ed by this Sect:lDn 2 is tie tate I will 0WIl both befoxeand after any default de8cribIldin Sect:lDn. 9(B) belew. 3. CALCUl.A'fION OF AHOUNTS OWED EACH MONTH The.Rlte..~wU1.cskulate III)' FUlllblthly lmJunt. 11le. "Fulllblthly lmJunt" is. tie 3QQnt of tbe.lIlIIl:b1.y ~ttat. \1lOUkI be lUffident to xepsy the~ UIlplid pd1\Cipal balaa:e of III)' loan in fuU81:, ttit~ rate I lIIIl reoplred to plY bySections2(A) and 2(C) above insubstant:Lslly eqml ~~..01. Jllnua!? 1, 2014 , Iotrlcl1 is called the "1IBtur.I.ty date'" My first FUll ~yM:u:it is [J. . S. 335.09 . Befoxeeech InteIest <1lanae Date, tie lbte Bolder will ~,tbe,_~FUlllQltbq lmlunt iilidl I will OWIleech lIXXlthbegi1lIliIJgon too first lIIXII:h1y ~dIIte;af\'.el:tll& Interest <h1n8e Date. The.tbU !batbly Ioomt I OWl> 1lIIY be_ or 1aJs than the llIIDJllt I am ~ to pay each lIl!iIlIl:h. Sect:lDn.4 belew statlils tie llIIDJllt 01: III)' lIIlOtb.l.Y.pIl)'IIISQl:. and bow it will cl1s;;;ge. Section 5 belcw. deIcr1be8bow III)' l.I1Pfdd . pd1\Cipsl bal.aoce will clJao&e if tie aunt of III)' llIOl1thly pIl}'llleltt and tbe. ..1'bUlb1tbl.y lmlunt SEe diff~. 4. PAXl4Kll'tll. (A),'l'JlIe.lI.t~of .~ I\ilUl PQ".~ _~ by~ pIl~ lMll'Y 1IXXlth. 1: wUt...< ."" ~. ~. ... Q,l the fiQt dey of e9d1 IlaIth begfIm:UIg. 00 1. l51~I;; . lwillllllre U- pa)'!Blts ~llD1th l.I1til I have paid all the ,.. .. j_;othef~,~ belew' that I IIlI\1 owa. IlId!tr this lbte. My. ,wU1.be.....to .~.. befQxe(ll'iDe.ipal. If I still OIIlI., ~..1lId!tr this .. . . ...,t;T daI:e. 1 will P"1 t:I.- 8UlIlt8. in full on that date. Th:I8a. arDIIlt8 could be __dat";~ of \Iff laat ~.~!lefOte thallBtur.l.ty date. 1\ClJJ...._ .~..~ 81:. 2l2.O. South 72q:j Staet, 0IaIa. Nebml;Ica 68124 or at a ~. ~.if~ bt'tbtlbte lb1der;. Ml.1\J.i:lTMltJ'; f'.'\'lft{l:lil1. 1'<O'tl': 1 nAlI. TRf;,\lWRY INDEX (1 - 4 F,,,,,! 1,,) TMC-005 (qc) (P3ge 1) (New 11/83)