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Prepared by /Return to: <br />Great Western Bank <br />Attn Consumer Loan Support <br />3405 N Louise Ave <br />Sioux Falls, SD 57107 <br />ADJUSTABLE RATE RIDER <br />201502891.; <br />THIS ADJUSTABLE RATE RIDER is made this 1st day of May <br />2015 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 <br />given by the undersigned (the "Borrower ") to secure Borrower's Adjustable Rate Note (the <br />"Note ") to Great Western Bank <br />(the "Lender ") of <br />the same date and covering the property described in the Security Instrument and located at: <br />1117 W. 11th Bt., Grand Island, NE 68801 <br />[Property Address] <br />NOTICE: THE SECURITY INSTRUMENT SECURES A NOTE WHICH <br />CONTAINS A PROVISION ALLOWING FOR CHANGES IN THE INTEREST <br />RATE. INCREASES IN THE INTEREST RATE WILL RESULT IN HIGHER <br />PAYMENTS. DECREASES IN THE INTEREST RATE WILL RESULT IN <br />LOWER PAYMENTS. <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 PERIODIC PAYMENT CHANGES <br />The Note provides for an initial interest rate of 3.90 <br />for changes in the interest rate and the payments, as follows: <br />3. PAYMENTS <br />(A) Periodic Payments <br />I will pay principal and interest by making periodic payments when scheduled: (mark one): <br />I will make my periodic payments on the first day of each month beginning on <br />July 01, 2015 <br />❑ I will make my periodic payments as follows: <br />Multistate Adjustable Rate Rider <br />Bankers Systems VMP® <br />Wolters Kluwer Financial Services <br />%. The Note provides <br />VMPC104 (1401).00 <br />ARLR 1/10/2014 <br />Page 1 of 4 <br />