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~1--X02714 ADJUSTABLE RATE RIDER TO DEED OF TRUST This Rimer is made this 23rd day of P~v 1981 , and is incorporated info and shat be deemed to amend artd supplement the [lead of Trust ~ tiie same dale gwen by the undersigned (the "Borrower") to secure t~srrower's note to Commercial Federal Savings and -Goan Assoaalion of Omaha. Nebraska (the °tender"} of the same date (the "Note") and oaverirg the property described in ttroe Deed of Trust and located at 2013 W Cotta>xe ('rand Island Nebraska ~880t ModMfcatlorta In addition to the covenants and ~reements made in the Deed of Trust, Borrower-and tender further cevenant and agree as fellows: 1. Interest Rate and AAonthty Payment Changes. The Note has an inifiel interest rate of 14.25()0/. The note interest rate may be increased or decreased on eadt Charge Date, as described in the Note. Changes in the interest rate are governed by the changes in the weghbd average yield at which the Federal Horne 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 Charge Dates as provided in the Note. Because payment changes may occur less often than interest rate r~tartges and/or may be subject to certain limitations described im 2tte Note, the mortthiy payments may at times rtoi be sufficient to pay accruing interest. in such case, unpaid interest is added to the prinapai balance of the Note and itself accrues interest tttereafbr 2. ft cauid be that Phis loan is subject to a law which sets maximum ban charges arb that law is irHerpreted so that the interest or other ban charges collected or'a be collected in cbnnectiori with this loan would exceed permitted limits. ff Utis is the case, then: (A) arty such ban charge shah be redut~d by the amount necessary to reduce the charge to the permitted limit; and (B) arty sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. The Note Holder may choose to make this refund W reducing the principal 8orower owes under the Note or by making a direct payment to Borrower If a reftand reduces principal. the reduction will lie treated as a partial prepayment 3. By signing this, Borrower agrees to ail of the attove4 , ~ HaF,rlo~ld•Y,1..~ohn n Borrower ~ thryn `+• Jo on Borrower w~ ~_ e, F