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� <br />�0�20044� <br />ADJUSTABLE RATE RIDER <br />(LIBOR One-Year Index (As Published In The Wall Street Journa� - Rate Caps) <br />THIS ADJUSTABLE RATE RIDER is made this 6th day of January, 2012 . <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed <br />of Trust, or Security Deed (the "Security Instrument") of the same date given by the <br />undersigned (the "Borrower") to secure Borrower's Adjustable Rate Note (the "Note") to <br />ING BANK, fsb <br />(the "Lender") of the same date and covering the property described in the Security <br />Instrument and located at: <br />8502 W Schultz Rd, Wood River, NE 68883-9402 <br />[Property Address] <br />THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE <br />INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE <br />AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE <br />TIME AND THE MAXIMUM RATE THE BORROWER MUST PAY. <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the <br />Security Instrument, Borrower and Lender further covenant and agree as follows: <br />A. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />The Note provides for an initial interest rate of 2.750 %. The Note provides <br />for changes in the interest rate and the monthly payments as follows: <br />4. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />(A) Change Dates <br />The interest rate I will pay may change on the first day of February, 2017 . <br />and on that day every 12th month thereafter. Each date on which my interest rate could <br />change is called a"Change Date." <br />MULTISTATE ADJUSTABLE RATE RIDER - WSJ One-Year LIBOR - Single Family - Fannie Mae <br />UNIFORM INSTRUMENT <br />Form 3189 6/01 <br />Wolters Kluwer Financial Services <br />VMP�-166R (0806) � � C �j <br />Page 1 of 4 Initials:��� <br />