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<br />84 --(}t1~itltf5J
<br />,\DJUSTABLE. PAYMEN'l'RIDER
<br />THtSADitlSTAllI;EP~RIJ:IlRJ.sllladethis9th. .:c!aYoJ;AU;ljst'
<br />lnCorpoillt:ed<1nt01lIiI.s1i8J.llJe~fu.'llIiiend'sild'stJpp~the. ..;rtgage,
<br />Secure . Debt ( tba"SecUritY' Inst.i:UlDant") . Qt'fre s.allle.'~~g:l:ue:,,'by.~ ....... ..'
<br />seOJre JlPrt'OWer'S,AdjuStable P8J!Dl!ntNote toTower~i ..;[Ilc.;; (i;h1f,
<br />(tI\e.'~") ."~" couen~ "tI\e .'prOpertydescnbed/.intl\eSecUril:y,w.~
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<br />The Note Contains Provisions Al1oWi.ngF"1iCl1';.{~~~ilii.'rWt~~
<br />M.O. nthly Payme.nt... AndFo.rl.ncreases...l..n......T.h... ~..'. P.t'i..llei...'. p.....a.,l........'.A......mo. .........".....n...,. .~.'. .'......T.......i>....... "
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<br />The Note Also.ProVidesFor Gal<:,"l~tlonsOf~()siptlrat.~~o
<br />OneWlll Be The Amount That I Must A<:,tuaUrrllYEadl'l'fop,~~;.
<br />Amount That 1 Would Pay Each Month To Fully Repay The y;oanof
<br />This Means That 1 Could Repay More Than I Orlginal:1yBi:ir1;o~ed
<br />Repay My Loan Before The Maturity Date. '. '.. . .
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<br />.mmcm. <DVl'.NANl.'S. In addition to the c~atd~III!ide;;~'
<br />Inst:J:Ullenl:, Bc>rtnier ani Len:Ier further <:o\Il!\tllIIlt ani agree asfollaws: . .
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<br />A. INTEREST RATE AND MONTHLY PAYMENT CHANGES ..... ...<;<,,('}'y';
<br />The Notepravides for an initial inl:en'St rate of I.i '> 'i0 %.sei:t:lot1s2,3,~t.,5i~@}<9f'~
<br />Note provide for ~ :In fre inl:en'St rate ani tm:lt'lthly t8~s,as~:,...:.;;,<;;:,.
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<br />"2. INTEREST
<br />(A) Interest Owed ..... .' . ....";.,
<br />Iuterest .will be- charged on tr.t p9rt of' pritiMpel ~.!ch ~,~--'~'-;::~,~;~ :~~,<7~;.;~:>
<br />date I no:eive pr:lnr::1pslanl coot:Indngunt:Ll the full SIIWl1tofpr.ln:ipsl baa~~. ..,.....:,k
<br />Beg1nn:1ng on the date I rec:eive pd.nclpal, I will pay :l.nterestatajearlYrate:df.lh2~n;.'
<br />The :lntenst Yate I will pay IlBy ~ Gtl the first day of the DDDthofMor,111QRS', . ".
<br />aai on that day eoexy 6th IIIJdth theJ:eafter. Each dateonl4l1ch the interestnlte<:OOld;~/~
<br />ealled on "Interest Chart\e Date." The new :lntenst rate wUl 'beamo'effective OIle..ch.~t;
<br />Olanlle D&te.n", intert'st rate 1 .i11 p"y sh.,ll not exceed 14.990X. ~ . .
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<br />(B) Tho. I1Xlex
<br />Beglming with the first Interest ~ nate, my:lnterest Yatewillbe tesedlX18ll.T.........'.~
<br />"Indelc:" is the Weekly Auction Average llate on United States Treasury. bPls. with~~I:IlI:l~Of~
<br />1II:lrlths, as ,.., available by the Federal Reserve BoenI. Tho UIl8t reCent Illdexfigure8SOf tJ:e~t:e.
<br />45 days before each Interest ~ nate is caJ.led the "Curntt I1Xlex". . .
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<br />If the Illdex is 00 longer avai.lable. the Note lIoldar will chxlee a new. index lihich is tesed. j1pOll
<br />""""'.....1>1'i' :lnfolllllt:lon. The Note IIolder will give ...rot:l.ce of this dmee.
<br />(C) ('...1.....1>\ti'l" of l.IIterEst!late ~
<br />Before each Interest a.qe Date, the Note lIoldar will cakulate my _:lntIl:rest t'StebyJld,d1tig
<br />'.f~ per<:erlta&e paints 0.000 %) to the Curnmt ItxlE!>t. The Not.e.lIolder. ...will.then.....rooa!.
<br />the t of this addI.t:loo to the nearest one-e:l&hth of OIl!! .petaltItSge poinl:(O.l25%). .1bis.talP:Ied
<br />~ will bo: "9' -- ~t tate wtU the .-t 1lI:ere8t Olaoae Date. ~"'cept the ~ .:lnterest
<br />rate shall IDt exooo:l 14.9<10;;,
<br />(D) 1lI:ere8t After Default
<br />The :lnterest t'Ste required by this. Section 2 is the rate. I will owe both before and after ~
<br />def.ut described :In Sect10n 10(B) be.laI.
<br />3. CALCULATION OF AMOUNTS OWED EACH MONTH
<br />The Note Ilol.der will calculate my Full Monthly hoount. The "Full!tlnthly !lIlIlunt"1s fre llIlX).lllt
<br />of the lIlIlOthly payIIeDt that IolWld be 9Jfficleot to repay the 1qlIl:l.d. pr:1nclpa1 balance of my 10llll irI
<br />full at: the intenst rate I sa required to pay by SectJoo; 2(A) ani 2(C) aQoue :In Substandally l!l:iual
<br />p8)1IIlelltS. on ~...c-~pr I ?(lO'l . liIU.ch is caJ.led the "llIlturity date". My. first F\1ll
<br />Mcothly AaDI:mt. U.. ~ ~. Before each Interes.t ~.' nate, the Note Ibldar will
<br />caloilate the '*' F\1ll y \tdch I will owe each !lIlllth beg1nn1og on the first l!I:lIlI:h1y
<br />~ date after the Intemlt a.qe nate.
<br />The F\1ll lblthly tluo.Klt I owe may be llDre or less thm the. am:JUnt I am required to t8y each
<br />8Xlth. Sec:t:1ro 4 below states the 8IIIlUllC of my lIIOllth1.y payIIeDt ani to.r it will chanae. Sec:tioo 5
<br />belowdes<:%ibe.s to.r my tqlll:ld pdmipal balance will chanae if the am:lUI1t of my lIIOllth1.y t8ymeot ani
<br />the F\1ll Mcothly >Inwot are d1fferea:.
<br />4. PAYMENTS
<br />(A) TtaBaai Place of PaJmeots
<br />I will pay prJ.nd.pal ani interest by Ill8ldng payIile11tS every llI)oth.
<br />I wUl .... my lIDothly payIllElots m the. fitst day d each !lIlllth begl.nrd.rg on
<br />~ ~ .liiti.t . I will. .' 1IIIlke.. these Jl8YIIl'IlI:8 every IIIJoth Ul\l:U I have paid all the
<br />ancl . ~. other chaqes deIi<::rlbed below that 1 may owe under this Note. l1Y
<br />~..~willbe app1:I.fld to ~t befOl'e pr:Wd.pal. If I still 0WIIl am:lUI1ts ualer this
<br />Note. ontl1a IlllltUlity date, I will pay .thoscI _.in full 00 that date. Those _ CQ1],d be
<br />~ tben.the -.uIt of .. last llI)othl)' pIl)'Rt1I; before the aaturity date.
<br />I v.Ul..1llIIke ll!t' IIIOllth1.Yl1lQIIIII;lta at 21.10 South 72nd Street. 0l8ha. Nebraska 68124 or at a
<br />ctl.ttu.,; p4!ce .if r!lqUfnd \1y the Note.ltQldlor.
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<br />A/)J'US'l'AIU.E PA'll'l&N'I' NotE {> MOll1'1l TREASURY INDEX (l - .. h.lllily)
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<br />T}1C-010 \~c) PkJt1.~ 1
<br />~e"'" j. i};.4 ~".Lan :i:-CC
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