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ADJUSTABLE RATE RIDER <br />201 301687 <br />(LIBOR One -Year Index (As Published In The Wall Street Journal) - Rate Caps) <br />Loan Number: 8250338013 <br />THIS ADJUSTABLE RATE RIDER is made this 13th day of February, 2013 <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or <br />Security Deed (the "Security Instrument") of the same date given by the undersigned (the "Borrower") to <br />secure Borrower's Adjustable Rate Note (the "Note") to <br />U. S. Bank National Association N. D. <br />(the "Lender ") of the same date and covering the property described in the Security Instrument and located <br />at: <br />U. S. BANK NATIONAL ASSOCIATION N. D. MODIFIED <br />MULTISTATE ADJUSTABLE RATE RIDER - WSJ One -Year LIBOR - Single Family - Fannie Mae <br />UNIFORM INSTRUMENT <br />324 WAINWRIGHT ST <br />GRAND ISLAND, NE 68801 <br />[Property Address] <br />THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND <br />THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE BORROWER'S INTEREST <br />RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE BORROWER MUST <br />PAY. <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security <br />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 5.500 %. The Note provides for changes in the <br />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 March, 2020 , and on that day <br />every 12th month thereafter. Each date on which my interest rate could change is called a "Change Date." <br />(B) The Index <br />Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the <br />average of interbank offered rates for one -year U.S. dollar- denominated deposits in the London market <br />( "LIBOR "), as published in The Wall Street Journal. The most recent Index figure available as of the date 45 <br />days before each Change Date is called the "Current Index." <br />If the Index is no longer available, the Note Holder will choose a new index which is based upon <br />comparable information. The Note Holder will give me notice of this choice. <br />Form 3189 6/01 <br />Wolters Kluwer Financial Services <br />VMP ® -166R (0806) <br />Page 1 of 4 <br />