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ADJUSTABLE RATE RIDER <br />201308004: <br />THIS ADJUSTABLE RATE RIDER is made this 1st day of October <br />2013 , and is incorporated into and shall be deemed to amend and supplement <br />the Mortgage, Deed 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 />Home Federal Savings and Loan Assn of Grand Island <br />(the "Lender ") of the same date and covering the Property described in the Security Instrument and located <br />at:504 E 18th St <br />Grand Island, NE 68801 <br />[Property Address] <br />THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY <br />INTEREST RATE AND MY MONTHLY PAYMENT. INCREASES IN THE <br />INTEREST RATE WILL RESULT IN HIGHER PAYMENTS. DECREASES IN THE <br />INTEREST RATE WILL RESULT IN LOWER PAYMENTS. <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 4.375 %. The Note provides for <br />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 1st day of October <br />2018 , and on that day every 12 month thereafter. Each date on which my interest rate <br />could change is called a "Change Date." <br />MULTISTATE ADJUSTABLE RATE RIDER - Single Family <br />424;899U (9705).01 /97 <br />Page 1 of 4 Initials: <br />VMP MORTGAGE FORMS - (800)521 -7291 <br />f <br />t <br />