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200202717 <br />ADJUSTABLE RATE RIDER <br />(I Year Treasury Index - Rate Caps) <br />THIS ADJUSTABLE RATE RIDER is made this 8th day of March, 2002 , <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 />1512 S ANDO <br />GRAND ISLAND, NE 68803 -6330 <br />[Property Address] <br />t I F <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 6.250 %. 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 Apri l 2012 <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 />01- 33229097 <br />MULTISTATE ADJUSTABLE RATE RIDER ARM 5 2 - Single Fouidy- Fannie Mae)Freddie Mac <br />UNIFORM INSTRUMENT <br />Fannie Mae 4 -215 216 2 ARM <br />0-R22R (0008) Form 3111 1101., <br />© ��., <br />Page 1 of 4 initlols .,.` -`, <br />VMP MORTGAGE FORMS - (800)5 `1 -72 11k <br />