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s .:.;;- ,. . y� '��7/�;^' . "1 ..r... •�. rf:��"� «...r�wi,.,.�.t:J." _ ° . _—. .. , :� �. �. � .. _ :: .. .......�..,:....s... . ,. -. _ _. - . �. __- � - .. _ _�a(�.�Y.:l�i - �___ - n. ...W.��n�. v...�u��-_ . . ��. .� . �� . _. . 4 �L...r��. ' �� 1 . ":.�.• ��.,,�:s„�an - .3��={ _ — ---` .-ros�aw�r,�z��aa'�"�-�,-_�-°--1&,.=r'��- _=g.,�--t.r--��i�i:��.,t_— ..— '-- == '--.;�:._. ,�_...__ � , APRLN 001-60314039 • �6"�� i6�a�4� w. , `_ A�JtJ57'ABLE RAT� RIIDER THIS AIl1i1S1'AHY..�FtA'IE RIDER is made Ihls 14T'cI dsy Of tiAY , 1996 ,&R�1S ° incocpacatccl into and shall be dcemcd to cuncnd nnd supplement the Mortgege,B�ed of Trust or Sccnriry 7ced(thc"Security InstrumenY')of the same aatc given by tne unacrsigned QNe ��borrowcr"j co secu�i+urruwcr��KU�U]W1116 ACIG i�ulG�utu "Notc")to HOME FFD�RAI� SAVINaB & �,OAN ASSOCIAZ'ION OI' f3AAND ZSY,HND (Q�a"G+andcr")of the&ame dato and covcrIng thc pcAperty descriiscd in thc 5ecurity Insuum��t nnd located ax _ �310 8 aur�a�uzEr, Rn 4RA1QD ISLANp, N�gItASKA 68�01 = �Propeny Addreu] TH�S NOTE CONTAINS PROVISIONS ALLOWING FOA CHANCES IN MY INT�R�ST RATF AND MY MOT�ITHLY E'AYMENT. INICRF.ASFS IN THE IIV7'EItEST IUTE WILL Pt�SULT IiH HIGH�R PAY1VlENTS. DECREASES IN THE INTE�tE3T RkTE WI�.L RESULT IN LOWFR PAYIV[Ei�TS. ADDITIONAL CQNENANT&. In additlon w tha covr,nanw and ugreements mado in Iha Sxurity Inswrncr►t, � B+m�we�uW I.ender further cAVex��nt�nd agtee ro folbw�: A.1NT�RLST RATE ANU MONTHLY PAYMCNT CHANtiFS '['he Noce provides for pn iniUal intenst mte of 6.o 0 0 96. 'Itie Note provkks for changes in thc Intaest rat�e�nd Uv�monthlY MYmatts,av followy: - /.INTERFST RATE AND MQNTI�LY PAYMENT CHANGES fAl Chan�e pa4es 71�o inurest rate I will pay may change on the Cust day of Avaus�r � 1997 ,��y��y every i2TH �ranth thueafter.Each date on which my:usurest reta could change is calkd a"Change I)ate." (B)T6elndac � �BeB�inning wid�the first Change Deto.my inta�.st rate wiU bo bataed on pn Indea.The"Indeu"is: � Wfit3KLY AVERAOE YIELD ON UNITED &TATES tREASURY SSCURITIES J#DJUSTFCI x0 A CONSTHNT MATURITY OF 1 YEAR, AS MADB AVAILABLS AY THE FBDfiR7lT� RESEItVS EOARD. �. The most roca�t Inckac figtme avail�bk aq�f ihe da�e: L� as aays ❑ bot'drre each Ct�ange D�te is cblbd thc"Currcht Indox: I€the Index is no longu availabb,the Notc Hotder w:iD��hoose a new Index thnt is basod upon comparabb infamxtIon. 11�e Note Hokkr wW give me notice of this choice. _ cc��.�.uoa�rc�na� Befcxe each Change Date,the Note Helder will cakuls�te my new i��terest rate�y adding 7�wo �n oxs x�wp pe�u�ge poinc(s)( 2.500 ��w che Current I►�dex. 'IY�c Mnia Ho{du w�ll then rowid the result of this addition to t9�e xX Nearest � Next HiRhest �Ncxt l.awest Cers ssatrrst ( .l�s 9E}. Subject to the limits atatcd in Scction 4(D)bclow,this munded anwunt will be my na�v intcccse cate until the next Clwnge Date. 'i'he Note Holder will tlien detGminc the ama�nt of thc monthly�ymcnt U1at wouSd ba suiC�cicnt co m,pay the unpaid principW tlwt I a►n expected W owo at Iha Cl�anga Date in fiill on tho maWrity date at my ncw int�eresi rate in substantielly oqual paymenis.'Ihe resutt af this cakulation will be the new amount of n�y monthly payment (�)Limi�on Interest Wte Clwngea - P cuse check approprfate boxes;�'no boz!s clucked,rhere wlll rie no maxl�xm limft nn changes.) �(1)'irierc wlll be no maximum Wnit on intenst rc�te change�. xx (2)'ilw intcxcst ratc I am roquircc!W pay at thc fust Chango lyata wiIJ noi bc grcater�hsn e.0 0 o gb M��►�, a.000 gc,, � (3)My intacst rnte witl nevcr bc incrensed or docrcased on any single Chu.�ge Daus by more than TFiO PERC�NT perccntagc point(s) ( 2.000 �N) from thc - - rato of interert I have bxn paying for the prececling period. _ Q(41)My interest cate will navcr br,gmatcr than 11.oU 0 96,which is callcd the"Maximum Rate:' _ TfiFs "MYIJINfUM RATE" WII,L NEV6R SE LES�i THAN 4.0001. - MULTi9TAT�ADJU8TABLE HIlT�RIDER-Slnplo Famity 9/0� - P�p�t a12 �•e��Aio�on YYp MOflTOAOE FONMB•pOD)621-7201 Inhl�tr. -- - .. � �a.t ..A - _ e�° i V