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200703491 Loan Number: 07-047407 ADJUSTABLE RATE RIDER (1 Year Treasury Index - Rate Caps) THIS ADJUSTABLE RATE RIDER is made this 30th day of APRIL, 2007 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument") of the same date given by the undersigned (the "Borrower") to secure Borrower's Adjustable Rate Note (the "Note") to HERITAGE BANK, A NEBRASKA BANKING CORPORATION (the "Lender") of the same date and covering the property described in the Security Instrument and located at: 3119 BRENTWOOD BLVD, GRAND ISLAND, NEBRASKA 68801 [Property Address] THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE BORROWER MUST PAY. ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial interest rate of 8 . 12 5 %. The Note provides for changes in the interest rate and the monthly payments as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the 1 s t day of MAY, 2 012 and on that day every 12th month thereafter. Each date on which my interest rate could change is called a "Change Date." (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Federal Reserve Board. The most recent Index figure available as of the date 45 days before each Change Date is called the "Current Index. " If the Index is no longer available, the Note Holder will choose a new index which is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding THREE AN 0 250/1000 percentage points ( 3 . 250 %) to the Current Index. The Note Holder will then round the result ofthis addition to the nearest one-eighth of one ~ MULTISTATE ADJUSTABLE RATE RIDER..ARM 5-1 NSingle Family Fannie Mae/Freddie Mac MODIFIED INSTRUMENT FANNIE MAE ARM 4-1/5-1/6.1 Form 3108 1/01 Page 1 of 3 ~~.... " .-.J I" DocMagicem~ 8&.649.1362 www.docmagic.com