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I u':iOd41O-2 CAPPED ONE-YEAR AIM RIDER TO THEDA MORTGAGE/DEED OF TRUST/TRUST INDENTIfIIJ--j 002294 NOTICE: ALLOWING RESULT IN PAYMENTS. THIS SECURITY INSTRUMENT SECURES A NOTE WHICH CONTAINS A PROVISION FOR CHANGES IN THE INTEREST RATE. INCREASES IN THE INTEREST RATE HAY HIGHER PAYMENTS. DECREASES IN THE INTEREST RATE HAY RESULT IN LOWER t,~ This Rider is _de thh 30th day of April 1984 ,and is incorporated into and shall be dee~d to ..end and supple"Dt the Mortgage/Deed of T1'U8t/Trust Indenture (the "Security llUItru..nt") of the sa.. date given by the undersigned (the "Borrower") to secure Borrower's Note to Tower Financial, Inc. (the "Lender") of the sa.. date (the "Note") and covering the property desuibe4 in the Security Instru..nt and located at: 3027 w Capital Av Ste 41, Grand Island, ~ebraska 68801 (Property Address) MODIFICATIONS. In addition to the covenanta and agre_lIt. ..... In tbeS'eeuritJ' llUIt~ent, Sorrower and Lender further covenant and asree a. fol1_: A. INTEREST RATE AND !<<lMTRLY PAYME!lT CHAIIIGES The Note has sn initial intereat rate of 9.875 %. The Interen ra_",,~c"'" increased or decreased every 12th IIOnth on each "Chana. Date", aa,4eacrii!.Ab.tlLtha Note. Chang.. in the interest rate are governed by the level oft"-" ID_J("a., defined in the Note. The In4ex is the weellly average yie14 00 UDl1:.',:i,SU..',' Treasury securities adjusted to a constant _turity of one year, aa publ~.hedbt the Federal Reaerve Board. The ..xi_ change in the intereat rate at allyoH, tise is 2 percentage points. The aax1sua interest rate 1s 14.759 I. The soothly pS~Dt asount ..y be adjusted every 12tb _Dtb to take efffttoJl the _ntb following each Change Date as described in the Note. Tba 0'" ..till" payaent allQunt is based on the interest rate in effect 00 tba Chane- o.te aad will resain 1n effect until the Dontb followiol the oext succee4ing Chanae One_ B . LOAN CHAIlGES If the loan secured by the Security lnstr_ot 1& aubJect to a 1a.V~~Il..I:.:: lUxisua interest rat.. and loan charse. and that law is finally ioteqncH ::sllI that the interest or other loan charges collected or to be collaet.d in eOQ.-e.~:. with the loan wo.uld exceed penlitted Halts. then: (i) the iotereat rate .o.r .... such lo.an cbarge shall be reduced to the penlitte4 Halt; and (il) an1..' already collected fros Sorrover which exceeded penlitted 11111ta vi1l ber.~,". to. Borrower. Lender....y chuose to sake this refuod by reducina the pr.1Dc1Hl o.f the Note ur by ..king a direct ps~nt to Borrower. C. CONVERSION FEATURE. The Note contain. the follo.vina pro.visions p,"tt.lDa cunveraion to a fixed tnterest rate .nd pa~nts: (i) Provided Bo.rrover 1s cur\"ent with re.pect to all paYMoU due 00 thelo.t. for tvelve sooths prio.r to the first, seeood, third, or fourth Cha~.Dat., Borrower ..y, at Borrover's optio.n, _dHy the repa,..at tera of the iodebtedoess secured hereby on the first, secood, third, or fourth Cbanae Date (defined 1n paragraph 4 of the Note). At that ti.., Borr_r ..y convert the adjuatable rate loan evidenced by the Note iota a fixed interest rate luan to be fully repaid in equal sonthly psyaenta of principal and interest over the re....ininl tera of this loan (i.e., 29, 28, 27. or 26 years, depending on the conversion date selected), (1i) Exercise of Fixed Rate Opt10n. (a) Reque.t for Quotatiun. If Burrower is interested in converting this loan, Borrower muat notify the Lender, in writing, that Borrower wish... to. have a f 1xed rate and paY1ll..nt quoted. Borrower lIlU.t send this request for quotation after receiving a Notice of Periodic Adjustaent under Section 4 of the Note and at least 30 days before the Change Date, (b) Quotation. _~en the Lender receives Burrower"s request for quutat1on, the Leoder will seod Borrower a not1ce quoting the fixed rate and payaent beinl offered and the conversion fee which Burruwer w111 have to pay if Borrower dectde. to convert. The convers10n fee will not exceed" .UOO % of the unpaid pr1ncipal balance o.f this lean on the Chaoae D~-.- The Lender will send this quotat10n at least 20 but 1)0. sore than 30 day. before the Change Date, ':}1(-f);::9 i '1'_:) 1 Page I R~v : ~~ i,'AP ~\