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S 1-1) U ~ ~ 4 ~ ADJUSTABLE RATE RIDER TO DEED OF TRUST This Rider is made this ~H*h day of A.**i t __ t gs t ,and is incorporated into and shall be deemed to amend and supplement the Deed of Trust of the same date given by the undersigned (the "Borrower") to secure Borrower's note to Commercial Federal Savings and Loan Association of Omaha, Nebraska (the "lender") of the same date (the "Note") and covering the property described in the Deed of Trust and located at ou7 iv i3~h ~s;s~u' - -- ,"''•.""L^ ~rtR01 Modifications. In addition to the covenants and agreements made in the Deed of Trust, Borrower and Lender further covenant and agree as follows: t. Interest Rate and Monthly Payment Changes. The Note has an initial interest rate of 14.25t7%. 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 the changes in the weighted average yield at which the Federal Home Loan Mortgage Corporation committed to purchase conventional mortgage notes with a fixed rate of interest for the shortest available delivery plus ~%. The monthly payment amounts will also change on Payment Change Dates as provided in the Note. Because payment changes may occur less often than interest rate changes and/or may be subject to certain limitations described in the Note, the monthly payments may at times not tae sufficient to pay accruing interest. In such case, unpaid interest is added to the principal balance of the Note and itself accrues interest thereafter. 2. it could be that this loan is subject 4o 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 this loan would exceed permitted limits. If this is the case, then: (A) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; end (B) any sums already collected from Borrower which exceeded permitted limits will be refunded to 3orrower. The Note Holder may choose to make this refund by reducing the principal Borrower ewes under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment. 3. By signing this, Borrower agrees to all of the above. ~~~~~Y ~~~~% Richard S: "lietfeld Borrower Borrower M14237 U