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200503222 <br />FIXED /ADJUSTABLE RATE RIDER <br />(LIBOR One -Year Index (As Published In The Wall Street Journal) - Rate Caps) <br />THIS FIXED /ADJUSTABL$ATERIDERis made this 11th day of April, 2005 <br />, <br />and is incorporatedinto 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 ('Borrower ") to secure <br />Borrower's Fixed /Adjustable Rate Note (the "Note ") Ntvy Federal Credit Union <br />( "Lender ") of the same date and covering the property described in the Security Instrumentand located at: <br />1425 HANCOCK AVENUE, GRAND ISLAND, NE 68803 <br />[Property Address) <br />THE NOTE PROVIDES FOR A CHANGE IN BORROWER'S FIXED <br />INTEREST RATE TO AN ADJUSTABLE INTEREST RATE. THE NOTE <br />LIMITS THE AMOUNT BORROWER'S ADJUSTABLE INTEREST RATE <br />CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE <br />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. ADJUSTABLE RATE AND MONTHLY PAYMENT CHANGES <br />The Note provides for an initial fixed interestrate of 5.125 %. The Note also <br />provides for a change in the initial fixed rate to an adjustable interest rate, as follows: <br />4. ADJUSTABLE INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />(A) Change Dates <br />The initial fixed interest rate I will pay will change to an adjustable interest rate on the first day of <br />May, 2010 , and the adjustable interest rate I will pay may change on that <br />day every 12th month thereafter.The date on which my initial fixed interest rate changes to an adjustable <br />interest rate, and each date on which my adjustable interest rate could change, is called a "Change Date." <br />DOC #:332061 APPL #:8012244094 LOAN # :8012244094 <br />MULTISTATE FIXED /ADJUSTABLE RATE RIDER -WSJ One -Year LIBOR- Single Family - <br />Fannie Mae Uniform Instrument <br />IM-168R (0108) Form 3187 6/01 UM51 0108.01 <br />VMP MORTGAGE FORMS - (S 0)5211 729 /4,;- I I��IIIII I� I�III� IIII IIIIII IIII IIII <br />