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I 84 - 002860 RID E R r NOTICE: THE TRUST DEED SECURES A NOTE WHICH CONTAINS A PRDVISION ALLOWING FOR CHANGES IN THE INTEREST RATE. INCREASES IN THE INTEREST RATE WILL RESULT IN HIGHER PAYMENTS. DECREASES IN THE INTEREST RATE WILL RESULT IN LOWER PAYMENTS. This Rider is made this 29th day of Ma~ ' 1984 , and is incorporated into and shall be deemed to amend ana-$upplement t e Trust Deed-or-even date and attached hereto given by the undersigned (the "Borrower") to secure Borrower's Note to The First National Bank of Grand Island, Grand Island, Nebraska (the "Lender") of the same date (the "Note") and covering the property described in the Trust Deed and located at 4309 Quail Lane, Grand Island, Nebraska 68801 Lot Eighteen (18), in Eagle Lake Estates Subdivsion Hall County, Nebraska (Property Address) Modifications. In addition to the covenants and aareements made in the ;rust Deed, Borrower and Lender further covenant and agree as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note has an "Initial Interest Rate" of l2...L-%. The Note interest rate may be increased or decreased on each Change Date, as described in the Note. Changes in the interest rate are governed by changes in an "Index." The Index is the U.S. Treasury Securities-One Year. The weekly average yield of one year U.S, Treasury Securities adjusted to a constant maturity of one year, determined in the second calendar month preceding each Change Date. Such changes in interest rate will occur on ~e first day of February beginning Februar I, 1986, Increases and decreases in the interest rate are imited to a c ange of ~% each Change Date, If the interest rate changes, the amount of Borrower's monthly payments will change as provided in the Note. Increases in the interest rate will result in lower payments, B, LOAN CHARGES It could be that the loan secured by the Trust Deed is subject to a law which sets maximum loan charges and that law is interpreted so that the interest or other loan charges collected or to be collected in connection with the loan would exceed permitted limits. In this event, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. C. TRANSFER OF THE PROPERTY If there is any transfer of the property, including a transfer described in Paragraph 25 of the Trust Deed, Lender may require either an increase in the current Note rate, an increase in the Base Index figure, or a change of any of the loan terms, as a condition of Lender waiving the option to accelerate provided in Paragraph 25, By signing this, Borrower agrees to all of tne abov~) /' -Rarid C, L { y: ,',~ . ~ - -;-.. _ ' t ,1 ,. Glenna J, Rltchie Borrower