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<br />ADJUSTABLERATE RIDER
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<br />rtiISADJllSTABLERATBRlDBR~madiOtf.i. 29th da-,."r October. .lw84.,
<br />!!Ill! i!''''''''l'''rated Into and shall be deemed to amend and supplement the MOrtgage. Deed of TrolSl,or Deed toSecurt> Debt (\he"'Sec!JriIY
<br />!iIslnImeIIt") of the same dateai'l'110 by tbe Undenigned (the "Bortowe.") tosea.reBorrowet's AdjustabIloIWe Note to tlOME'f;EDEAAt
<br />SAVINGS & LOAN ASSOCIAnON OF GRAND ISLAHO, N3ftASkA (the "Lender") of the ....-date(the"l'IOte.")'
<br />and covering the property described in the Security Instrument and located at,
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<br />1!:'1~ i;:~:::;t w~'Jgi:i 9+-Tvv.L ~ r-9--j I~1.g"r7.. ME
<br />('Property Address)
<br />TIle No.., <OlIl8bIs pro...... ........ f.... cIIaIIplIllI die ilftaatftte. W dleliderest 'nole'
<br />1_. tile """'-s1B/lllUlly ~ will lie .....' lftlle~nole'__;.."
<br />800T0wet's _lIoIy paymeIIls wIIIlle 1_.
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<br />ADDITIONAL COVENANTS, In addition to tbe covenant and ~madeintheSeeuritYI~.BoilDWer;~~>~
<br />further rovonant andagroe lIS follows: . .
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<br />A. INTEP~ltA'fEANDMONTHLYPAYMENTCHANGES . . . . ..' . .... ,.tc',
<br />The Note provides for an initial ioten:Sl ~e of 11 " .,., Section 4 of the Note provides for CIlanga intllil'.~,'!'lt~~;'
<br />monthly paymenl5, as follows;
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<br />4, INTEREST RATEA.NDMOJ\ITHL Y PA Y.'IlENTCHfi'VG"S .:>......;/.<.<
<br />(M ~Data .' . ...,.c..,
<br />Theio_.atelwillpaymaych_onthe~.1........-dayof . December ....... ,...,..... 11J'..~'.
<br />on tha~ day ofthe month every 12 mootm thereafter, Eacll date 00 wticll my interesualecould ~i5 <:aW ~..~.,
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<br />(It) 11!e!lo!la: .. '. ,.'...'.,,',,.;',, ,.;
<br />llqiDning witb the first Clwl3e Dat.. my inttrt$! .ate will be based 00 an "Index," The Index is tbe weckIy a~'YiekI Q!l;~SlI'~~, ~
<br />Treasury securities adjU>led to a cons_t maturity of nnl> years. as made availabk by the FecIcnII~~ l1leJ!lllit
<br />recent Index fl8tJf" available as of 4S days before each Cbanse Date iscallcd the "ClIm:ot Index," . '
<br />If ~be Index i. no longer available, !be Note Holder will choose a new index wbich is based upon complU'ablc iDformalioil.1'Ite...NQi.! ~:":
<br />wiD give me notice of its choice.
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<br />((:) ~ofCloupo
<br />Ref"". eaclt Clwl&e Date, the ~ Holder win calcuIaU illY new inttl'tS~ rate by addin& two and one-ha1 f ~JlQlIllI.'
<br />{ 2 .5 t?t)~oilECt.i..ffi'iU if~ audfffilT.dmiivit~i"'KiiP-qt Ug~. ~SiimW"Jlbc:=y~=::=t~.e. The"; ~ ~~,iii-~:,~:'
<br />or. this loan win be 110 less !ban 9.5 .... The maximwn inlerest rate on thls 10llIl will be 110 more tban 15 -~
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<br />Tk ~e Hoicic:t- will men drietm:iuc UK ~ 01 diC lWA.tht, p.a,.~ii ~~ w~ ~ ;;.~~ ti,} ~ in ~-="~H. !r~:.-~t-~:
<br />expocted 10 owe on the Cbangr Date in substantially <qtlal payment! by tbe maturity date at my new int_ rate, The naultoftb1l \1IIlculatloD
<br />will be the ""'" amount or my monthly paymen~,
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<br />(D) Efftetm Oate of <-.........
<br />My "... intetest nw> ...'iII bo<:ome effective on cadt <""'baasc Date, I will pay the _ of IDl' new lOOblhly Jlll~ bqilullDa on.tIle flrst.
<br />monthly payment dat. after the Cbanat Date until tbe amount of my moothly payment cbaqa aaain,
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<br />{Ei N....oi~
<br />The Not. H~ will mail or deliver to _ a notice before cadt Cbana. Date, The notice will advise me of:
<br />tiJ the r.ew inte<<5l rate on my loan u of' the Cban&t' Date~
<br />(ii) tbe amount of my monthly pa)'1IleDt followilll tbe C'baoae Date;
<br />(iii) any additional mallen which tbe Note Holder u required to disclose; and
<br />(ivl thoe title and telcpbofte number 01 a penon who will answer any question I may have rqa:d!1lI the notice,
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<br />B. CHAR<ifS; lJE!'iS
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<br />Uniform CO~ 4 of the S:curity !n:Mr".:ment is ame.-.ded to r=d as fcllo~:
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<br />.. ~ U...., Borrower shall pay all lUes. _15. and othet cbarges. f..... and impositions attributable to the Properly ..OJdCb IlI1I)'
<br />attain a priority ov<< ~his Security Instrument, and IeasdIold paym::.<\u of ground .onts, if any. in the l1lllDIlef provided undtt paraaraph i hereof
<br />or, if not paid in such lD&D8Cf, by Borrower ma.kinc payment, when due. dire<;t!y 10 tbe payee thereof, Borrower shall PfOIIIPIly furn.isll1O
<br />lender all noI.i<:es of amounts d.... under this paraarapb. and in the ""ent Borrower shall malee payment directly, Borrower shall ptOIlllltly
<br />furnish to lender m:eipts evidencing such payments, Borrower shall promptly discharge any lien whicb has priority over tbls Securi!y
<br />IIlIlnilDa\l; ~. Borro..... shallllOl be teqllifed to discbar.., any such I~ so long as Borrower: (al shall..."" in writing 10 tbe payment of
<br />the obIiplinn secuted by sucb lien in a manner aoceptablt to Lender; Ihl.haIl in good faith \,'OOtes' suctl lien by. or defend apillSl enforcement
<br />of such lien ift.. proceediaas which in the opinion of Lender operate to prevent the enforceme!!! of tb.lien or forfeiture of the 'Property or
<br />my part tllfttof; ill (cl shall seem. from the bolder of such lien an apeertWnt in a form ",tisr<ictory to Lender subordinating such lien to this
<br />SeI:;uity I~I,
<br />If Leader -.m- dw all or any pan of.he Property is SUbjt<1 10 a tien which may attain a priorilY over tbis Security hutrumeJlI. lender
<br />ohatI"... llorrowcr. noli<>: idm.ifying .ucb lien, BorrOWfl sh.U"'lisfy "".b Ii." or take on. or mor. of the actions set fortb above within ten
<br />days of!be ".iaa ill' tbe noI"~,
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<br />C NarK.'t:
<br />Ullif_ (;",,_ 14 of the s.e.-",ity l""l1l1ment i. amended 10 read.. folk>w.:
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<br />... Nedot, bC<ll>l f<>r any ll<>tice ltqWred UIIdor applkable lot.. I<' be given ma_ller ~, ,a! auy notl\.~ '0 Il0HoWl.'t' l'.ovidfd ror in th..
<br />5<<l<tity 1__. shall be..\'tIt i>y ddioerillllt or by mallina n by flm cta.. mail!o Borrower at th. Prop<ny Add.... ," at ,u<h o.be. addr...
<br />as 8orrov..-ct -ma)' ~c by nutk-e to l.-im4er as ...,,-mldftJ hcf-ein~ and (b) any tlOtlCt:' to 1.~ ..hall be given by t1r,(l ;;:la!t..~ mlllJ (0 l.cnon',
<br />addr-.. u..cd tm-ci:ft \.If to.udt: Qt_ aQdrft,l && Le-r.dH may ~ by notit.'e to lk"'rQ~f ~ I'fuvlded ~rein ^n~ nohl'e prQ\.-uJe'l,i for in thls
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<br />~~'Ht)' !n~p.m~..:;. _~~ be- ~~~ t~ h:....~ ~;:.~ tc ~==.t~ t-tt-~:- ~-~ .;;\:t'n m th~ m-=.r~.r;ef jeo..,.f..~~~.J ~rem
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