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201400140 <br /> ADJUSTABLE RATE RIDER <br /> (5 Year Treasury Index-Rate Caps) <br /> THIS ADJUSTABLE RATE RDER is made this 18th day of November, 2013 <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 /> Pentagon Federal C. U. <br /> (the "Lender") of the same date and covering the property described in the Security <br /> Instrument and located at: <br /> 2216 W 16th St <br /> Grand Island, NE 68803 <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 B RROWER 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 RAVE AND MONTHLY PAYMENT CHANGES <br /> The Note provides for an initial interest rate of 2.750 %. The Note <br /> provides for changes in the interest rate and the monthly payments as follows : <br /> 4. INTEREST RAVE AND MONTHLY PAYMENT CHANGES <br /> (A) Change Dates <br /> The interest rate I will pay may change on the first day of December, 2018 <br /> and on that day every 60th month thereafter. Each date on which my interest rate could <br /> change is called a "Change Date." <br /> 1309250464 1309250464 <br /> MULTISTATE ADJUSTABLE RATE RDER - 5 YEAR ARM Form 3131 1/01 <br /> Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br /> VM P® )/NJ P865R (0805) <br /> Wolters Kluwer Financial Services ICIC <br /> Initials:, Page 1 of 4 <br />