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2002004710 <br />ADJUSTABLE RATE RIDER <br />IT Year Treasury Index - Rate Caps) <br />THIS ADJUSTABLE RATE RIDER is made this 8th day of January. 2003 , <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, <br />Deed of Trust, or Security Deed (the "Security Instrument") of the same date given by the undersigned (the <br />" Borrower ") to secure Borrower's Adjustable Rate Note (the "Note") to EQUITABLE FEDERAL <br />SAVINGS BANK OF GRAND ISLAND <br />(the "Lender ") of the same date and covering the property described in the Security Instrument and <br />located at <br />1407 W CHARLES ST <br />GRAND ISLAND, NE 688016412 <br />TP,., ty 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 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 6.000 %. 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 first day of February 2013 <br />and on that day every 12th month thereafter. Each date on which my interest rate could change is called a <br />"Change Date." <br />229322 <br />MULTISTATE ADJUSTABLE RATE RIDER ARM 6 2 - Single Family- Fannie Mail Fredtlk Mac <br />UNIFORM INSTRUMENT <br />Fannie Mee 4 215 216 2 ARM <br />® -822R (0008) Far f `IOI� <br />® LLPage 1 of 4 Ini( <br />VMP MORTGAGE FORMS (800) 7291 <br />