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<br />ADJUSTAI~I~E RATE LDAIl1 RIDER
<br />NOT1C"d: THE SEC[JRi'tY INISTRiTMENT 5EGURFS A NOTE WHICH CONTAINS
<br />A PROVISION ALLOWING FOR GRANGES iN THE INTEREST RATE. IN-
<br />CREASES IN THE INTERFS't RATE Wii.L RESULT IN HIGHER PAYMENTS.
<br />D£CRF.ASES *N THE INTEREST RATE WILL RESULT IN LOWER PAYTriENTS,
<br />This Rider is made this .16 t?t .day of .Pjt?vetnbt: r.. , y , , , , , l9 9 ? . ,and is incorporated iota and shalt
<br />6c deemed to amend and supplement the Mortgage, Deed of Trust, or Deed to Secure Debt (she "Security ituuru•
<br />tt~"j of flee same dale ~ven by tl~ ur~defsitned (ths •' Bo~rt2~lvei~ tadseet~e ~orro~er's Note to . 21;te ,Fir s
<br />>v~ii~o~al„Bank, o, . Gran s ahdd , Gran s n e ras a
<br />................................. . . .... . ...............
<br />(the "Lender") of the same dart (the "Note"} and covering the.property described in the Security Instrutetent rod
<br />Iaeurd u .............................. A].~la.,.. ilebxaska... ~.8 8.19............................... .
<br />Pte) Add+ec
<br />Mtrdlflcatleos. In addition to the covrnanta and agreerrtrnts made in the Security Instrumrnt, Borrower and
<br />Lender tunher covenant and agree u follows:
<br />A. INTEREST RATE AND MONTHLY PAYMENT CHANGES
<br />. • .The Note has an "iehial Inseret Rrte" of .),7td . 4i. The Note interest rate may be increased or decreased oe the
<br />~ . day of the month beginning on .March , , 19$ 5, , , rod on that day of the month every
<br />... .month thereafter.
<br />Change in the interest rue are governed by changes in an interest me index called the "Index". The Index is the:
<br />lCarcf rrer bas to Marksa /~fec.)
<br />(#) ^• "Contrast imeret Ratc, Purchase of Frtviousty Occupied Homes, National Average for ail Major
<br />Types aC Lessders" published by the Fedora! Home Loan Hank Board.
<br />(Zj t(7! .....,(7111t~d,.S~~t~F„'jlreasury, securities..-. .3 year ......................
<br />Ittlrtf swr 8or to iwlksrr wberAn rAers b teas rAOiitrrrnr lflnd ow cArsaea In tAr Mrartr rsrr ow erac6 Cbrnar Darr. Une bax 4'c6akMtAae rIG
<br />br ~s wasNr~w lLr4r orr •i
<br />(I) ^ There is no maximum limit on changes in the interest rate a any Change Date.
<br />(2) Ei The interest rue cannot lrr changed by more than ..z .. percentage points at any Charge Due.
<br />!f the interest rate changes, the amount of Hocrower's monthly payments will change as provided in the Note. In-
<br />crease in the interest me will suit in higher paymenu. Decrease in the interest rue wiU result In lower paymenu.
<br />e. LOAN CHARGES
<br />It oouid be that the loan secured by the Security Instrument !s subject to ^ Iaw which sets maximum loan chages
<br />and thu law is interpreted ao that the interest or other loan charges collected or to be coilsaed in connection with the
<br />Soan wauid exceed-permitted limits. If This is the case, then: (A) any such teen charge shah be reduced try the amount
<br />neetsaary to reduce the charge to the permitted limit; and (B) any sums already collected from Horrawer which txcted.
<br />ed permitted limits wilt be refunded to Borrower. Lender tray choose to mrkr this refund by reducing the principal
<br />owed under the Nate ar by making a direct payment ttr Borrower,
<br />C. ODOR L~iS
<br />It Cruder dsiermine that all or any part of the sums secured try this Security Instrument are subject to a lien
<br />which has priior#y over th)s Stcurity Insirumtfit, Lender may send Borrower a notice identifying that iisn. $atower
<br />shalt promptly ect with regard to that iisn as provided in paragnph { of the Security instrument or shall promptly
<br />sa'cure en agreement in a form satisfactory to Linder subordinating that lien to this Security Instrument.
<br />D. TRANSFER OF THE PROPERTY
<br />ti there (s a transfer of the Property subject to paragraph 1T of the Security Instrument, Lender may require (i)
<br />an itrcrerse in tF.c current Note interest rate, or {?) an incrrase in (or remove! ol) the limit on the amount of any one im
<br />teret rate change (if there is a limit), or (3) • change in the Hale Index figure, or tll of these, as a condition of Lender's
<br />waivieg the option to at~cdente provided in pategnph iT.
<br />8y signing this, Borrower agrees to alt of the above.
<br />f ~ '''.~
<br />Kenneth '~; ");icier . .... , ~ . , ..... (Seal)
<br />-tsonawrr
<br />!i!
<br />i I C. "/" i
<br />r s
<br />... , ~..-. t,~.l, t, ~._ 4.,_. ~; t ~~ ............... (Seal)
<br />Mary .7. ~~
<br />- -ttorrowsr
<br />• #,w. Au isr [Mrs r rAuier ~r g nr av Y drerrt +.t tstiro..t lanv`w ea war •rArrriw arnr n~ ..re;,y. Mr ji.u !.b nroW .ta rpery
<br />A~JiiltliUW.E Mt'E LQA~ I~ER^a!t-.rts,1K Iallroais srtrslastttr
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