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81---i~ci262~ ADJUSTABLE RATE RIDER TO DEED OF l i~UST This Rider is made this ?ter day of ~ t oR t ,and is incorporated irito and shalt t>e deemed 20 amend and supplement the Deed of Trust of the same date given by the undersigned tthe "Borrower") to secure Borrower's note io Commercial Federal Savings and Loan A§sociation of C}rrtaha, tvebraska (the "Lender") of the same-date ttFte "Note") and covering the property described in the- Deed of Trust and located at $2t E Oklahosna~ Grand Zs~an~d 'tabraska b$Rhl illodMtcalbns, to addition ro the covenants and agreements made in the Deed of Tntst, Borrower and Lander Further s:ovenani and agree as follows: t. Interest Rate and Monthly Payment Cttarx~es. The Note has an inigat interest rate of 1Q.5003'u. Ttte note interest rate may Eae increased or decreased on eaoh Change Dath, as dessxibed in the- Note. Changes in the interest rate are governed by the changes in the weighed average yield at-which the Federal Nome Loan Mortgage Corporation committed to purchase coraventlonai mortgage names with a based rats of interest for the shortest available da4ivery plus 36°.fe. The monitdy payment amounts will also change on Payment Cttart~ Cues as provided in the Note: Because payment changes may osxur less often titan interest rate changes andlor may t~ subject to certain limitations described rn the Note. the monthly payments may at times rbt be sufficient to pay accruing interest. to such case. unpaid interest is added to the principal balance of the Note and itself accrues interest it~reafter. Z. ft could tae that this loan is stat)ect ro a law wttida sets maximum loan charges acrd that taw is interpreted sfl that the imerest or other loan charges saoiiected or to t>a coNected in csxtnectiort with-this loan wools! easceed permitted limns, H this is the case. then: tA) any such Loan charge shall be reduced by the amsaurn necessary to reduce the charge to ttae permntest limit: and t8) any sums already collected from Borrower which exceeded permitted IrmitS wiN be reftutsted to Borrower. The Note Holder may choose to make this refund by reducing the pnrxipat Borrower owes under the Note or by making a direct payment to Borrower. if a returtd reduces prinsapai, the reductron will tae treated as a partial prepayment. 8. By srgraing this. Borrower agrees to all of the ataov2- ~/ ~~ ~' ~ ~ Stephen r- '1cEtheny R~N,ef ~, t '~ r `` f' . _ T ~ia~Tq Kc,~~~e'~ny Borrower ~~ u.r~T L..~J