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tl-~}fi249~ ~i #" NOTICE: TH$.SF£IIRiI'Y INS7'RtJME:iVT SliCIJRFS A NOTE WHICH 4ONTAINS A. flIE1VtSFDN ALLOWING FOR- CHANGES- IN -THE INTEiCFST-RATE. IN- IN-THE I1VTF' RATE 'W'ILL RII'SULT IN HIGHER PAYMENTS. _ 8€~ i15F 77iL IN'fT RATE ALL i~UL`P IN LOiR'ER PAY[[~flsN s This A`tder'ta made this- 6tkz ... day of ... ?~7' ............. . 14. $ ~ .. ,and is incorpotate,# hand sha{i bi: dew to-atts~ asd supplement the hiortga~, Dad of Trust, or Decd to Stcure Debt ft}ie "Stxttrity Instrtt. tit~t'7 tsf tlu sotto date given by the undcrsign~ {tht "Borrower") to secure Borrower's Note to ................ . .::...1~:~TA~~&:~-Y~N.e+.$.ANA.LPNi.AS.SOCIA'isI4lz ................................................ (the. "t.atder") of the aortas date {tht "Noe"} attd covering the property dcuribed in the Security Instrument a~ . bested at ...2212 .Wear .Corsage-.- .grand _ I slaad,..BTebraska - - - 6$801- • - - - • . . ...::................. . Proyery Addrrsr dismt. to addition to tttc covenants and agreemems made in the Security- Instrument, Borrower attd tender farther oovesant and agree as follows: A> INl'f1R~T MATE AND A9ONTHLY PAYMENT CHANGIS The Note lus an "Initial Interest Rate" of . } 2: 3/.4 ... ale. The Note interest rate-may be incrtasa! or decreased on salt Change tests, as described in the Nate. Changes in the interest rate arc governed by changes in the "Contract Intaeat Rats, Purchase of Previously Occupied Homes, National Average for a## Major Types of Lent9us" tttade avaiLbte by ttae Federal }come Loan Sank Board {the "Index"). The interest rate cannot be changed to more than . S... pacaatage poiszs higher or tower than the Initial Interest Rate. [f the interest tau changes, the amount of Borrower's monthly ~yments wilt change as provided in the Note. [rt- creases in the irneresr rate wilt resuh in higher payments. t)screasts in the interest rate will resWt in tower payments. 18L LOAN CRA![.ES It could be that the loaa seeursd by ttx Security Instrument is subject to a law which sets maximum loan chaze s andthat law #s iaserpreted so thu the interest or other loan charges colteacd or to tx co#lected in connection with the toes would excoat permitted limits. if thss is thccase, then: (A} any such loan charge sha#1 be reduced by the amoum neeestavy to redtue the charge to the permitted {imit; and (B) any sums already collected from Borrower which exceed- ed pertttitted tiatits wiI! be refunded to Borrower. Lender may choou to make this refund by reducing the prittcipat owed-under ttte Noe or by making a Bract paymem to Borrower. C. TRANSFER OF TR£ PROP€Jt'PY tf there is a transfer of the Property subject to paragraph !? of the Security Instrument. Linder may require either as increase in the ec-rem Note irtterst roc ar as ittcteau in the Banc Index figure, or both, as a coalition of LsndR waiving the option to acceierue provided in paragraph i'. Sy signing this. Borrower agrees to al# of the above. ,- ~ `, ' , ,' ........(Scat} Orvil~.e 0. Qaelaeit _gar~r . .... .... .......{Seal} Mary K, t~tialaett -Borrower ,~ II~T~ }~IiI {st to ~ t+twe-.ta~ra~ utretw tr~rat~ttttt ..~. s~ sra~,.~a wrA,.