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I ADJUSTABLE PAYMENT RIDER 0908427-1 84 ~.002441 r nn.s AIl.lUS'WlIE PAY!f.NT RIlER is made this 7t h day of ~1a y 1934 ani is incorporatEd into.and shall he deemed to lIIIE!Bi ~ the It>rtglll!e, Deed of Trust, or Deed to Secure Debt (the "Security InstrtlEnt") of the same date g1""" by the .memilP"'l (the ''Borrower'') to secure Bon:oio'a"' s Adjuetable Paynent Note to Tawer HIIIncial, Inc. (the ''Lender'') of the S8III! date (the ''Note'') ani COYerl~ t:I'e property descrlbed in the Security Instrl.lEnt ani located at: 1}17 W"",c:r r){vi~inn, (~r;:mti IslAnd =s~Ol ( y ) The Note Contains Provisions Allowing For Changes In The Interest Rate And The Monthly Payment And For Increases In The Principal Amount To Be Repaid. The Note Also Provides For Calculations Of Two Separate Monthly PaY1lent AIIounts. One Will Be The Amount That 1 Must Actually Pay Each Month. The Other Will Be An Amount That I Would Pay Each Month To Fully Repay The Loan On The ,MatuTlty Date. This Means That 1 Could Repay More Than I Originally Borrowed Or Tl:iilt I Could Repay My Loan Before The Maturity Date. AOOm<JiAL CIJVeWfl'S. In addition to t:I'e covenants ani agreeaents IIIItrI.IEnt, llorrcM!r ani Lerller furtlEr COIlenant ani agree as f~: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note prav1des for an in1tW interest rate oflO.500 %. ~2,3, 4, 5,6i111l3afi'~C. Note proride for ~ in t:I'e interest rate ani tIE lIIXIthly ~, aa follcJI.-: . .. 2. INTEREST (A) lntenBt o-i lntereIt will be cIIIqed on tlllt pert of ptiIEipal which baa 1lllt been paid. ~'JlIl,tbil' date I recei"" principal ani continJing UDdl t:I'e full lDltIItt: of ~ baa been: ~. .. ~ on t:I'e date 1 receive princ1pll, 1 will !lIlY i_t at a )'e8rlyrate,cf.lQ;S{)l)" The interest rate 1 will !lIlY lIIIY ~ on the first day of t:I'e lIDIlth of December, HlS4 ani on that day every 6th llIJIlth thereafter. Eadt date on ~cl1 the i_t ratecould.'cI:lIBIjJIIl.'jS called on "Interest ~ Date," The new interest rate will becoIIIe effecti"" on eathIi\tl!_t Q1anse Date. 'llli? interest rat.. I ",ill pay shall not exceed 13.990%. (8) The In:Iex Beg1ming with the first Interest a-. Date, rtIJ interest rate will be ''In:Iex'' is the Weekly Auction A~ Rate on Un1ted States 'rr:-.ry bills ~hs, as .-Ie ava11able by t:I'e Federal ~rue BamI. n._t t:eamt 45 days before each Intenst a..., Date is called the .~ Inda". L If the Index: is 00 l.oqjer avai1able, the Nate Holder will ~ a 181. indlElln.lich'ia~~ ~ infomation. The Note Holder will g1""!lIe mt1ce of this cho1ce. .'. (C) Calculari"" of Interest Rate 0laI:lpB Before each l&enst a..., Date, the Note Holder will calculate rtIJ NlII! intell8trl\teby'~ ~.~ ~ points ( 3.1 SO %) to the Current Index. '!be Note 1bl.1dl1tt.&o~ Of this add:I.tiDn to tIE __t one-eighth of one pe~ point (O.l~h ~t'lI~ lDltIItt: will be .. t8l interest rate ootil the next Interest a-. Date. F~pt the ~interetl~ rate shall \lot ex"....."1 1 3,990%, (D) ltIt_t After DefaUt 'tbt inteI'8lt rate requ1red by this SectiDn 2 is tIE rate I will c:-e both be,fQntanl' afte~" defaUt ~bed in SectiDn 10(8) below. , 3, CALCULATION OF AMOUNTS OWED F.ACH MONTH The Note Holder will calo.tlate rtIJ Full Monthly 1aDunt. n. "Full Monthly ~" 18 the~ of the lllDOthly p8)'lII!nt that would be sufficient to repay the 1qlaid prJnclp8l talanl:e of lIlY u.1n full at the interest rate I lIIl required to pay by Sect:lols 2(A) ani 2(C) abaYe in ~tmt1ally "'lUll ~ on lune l. 2014 , ~ch is called the "lI8tur1.ty <late". My f1.r8tFull Monthly IaDunt is U.S. $ d>)~ ' Before ea:h Intert!St ClIIqJe Date, tIE Note Holder will caL""late the new Full !obr!t..h y. ".1 \of>id, I ""...1l """" each !!OOl:h beg!.nnL'lg on t."e f!~t !!IXIt!!!y ~ date after t:I'e lntetelilt ClIIqJe Date. n. Full !txchiy !aDunt 1 .- lIIIY be IIDre or less tlan tIE aawnt I ... required to !lIlY each 1Dlth. Section 4 be.loIi states the -.lilt of rtIJ anhly pa)IIII!Ilt ani row it will c:haqje. Section 5 below desert_ row my <ql8id principal bBJaDCf' will ~ if tIE aoount of rtIJ lIDllthly pajlEllt ani tho Full Monthly !aDunt are dif ferent . 4, PAYMENTS (A) 1_ ani P.ia:e of PayIEIU 1 will pay pl'1oc.ip8l ani inl:enat by moId11l psylBU ewry 1II:Rh. I will ...... my lIIDOth1y ~ 00 the filllt day c6. each IIIX1th ~ on ~ ,-\9tiw- ' I will IIIIIr.e those ~. ewry IIIlOth wt1l 1 haw paid all the t ani arrj other cNqe8 deIcrl.bed below that I lIII)' .- IDder this Note. My _hly ~. will be applilld to interat before principal. If I still .- 8IIrlUIItS urder this IicIte on the aturity datea, I will pey thoee .-uu in full on that date. n--.-uu could be ~ tlWl the .-..:It of .. last lIIIllth1y pa)lllllnt before tre 1IIlt1Irlty date. 1 will IIIIIr.e .. 1IOOtbly ~ at 2120 Sooth 72nd Senet, OlIaha, Nebraska 68124 or at a dif fltnu p1lIo:e If requ1red by the Nate Holder. ADJUSTABLE PAY$lff NOTE 6 HONTH TRE.ASURY INDEX (I... family) 1":o1C,.014 (q<:) (Pil.ge :) Xev .~~ (CAP