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202106457 <br />Loan Number: 0030028211 <br />ADJUSTABLE RATE RIDER <br />THIS ADJUSTABLE RATE RIDER is made this 28th day of JULY, 2021 <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 EQUITABLE BANK, A CORPORATION <br />(the "Lender") of the same date and covering the property described in the Security Instrument and located at: <br />1908 W Oklahoma Ave, GRAND ISLAND, NEBRASKA 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 TIME <br />AND THE MAXIMUM RATE THE BORROWER MUST 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 4 .400 %. The Note provides for changes <br />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 AUGUST, 2026 <br />and on that day every 12th month thereafter. Each date on which my interest rate could change is called <br />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 <br />The Weekly Average Yield on United States Treasury securities adjusted to a constant m <br />The most recent Index figure available as of the date 30 days before <br />each Change Date is called the "Current Index". <br />Federal Reserve Statistical Release H-15 <br />(www.federalreserve.gov/datadownload/Choose.aspx?rel=H.15) <br />The most recent Index figure available as of the date: 45 days before <br />each change date is called the "Current Index" <br />MULTISTATE ADJUSTABLE RATE RIDER <br />USARM3.RID 03/06/13 Page 1 of 3 <br />* DocMagic <br />11111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111 1 1111111111111111111111111111111111111111111 <br />