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<br />200707960 <br /> <br />LOAN #: 00008250199948 <br /> <br />ADJUSTABLE RATE RIDER <br />(USOR One-Year Index (As Published In The Wall Street Journal. Rate Caps) <br /> <br />THIS ADJUSTABLE RATE RIDER is made this 28TH day of AUGUST, 2007, <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 <br />the undersigned (the "Borrower") to secure Borrower's Adjustable Rate Note (the <br />"Note") to u.s. BANK NATIONAL ASSOCIATION ND, A NATIONAL BANKING <br />ASSOCIATION <br /> <br />(the" Lender") of the same date and covering the property described in the Security <br />I nstrument and located at: <br />923 S KIMBALL ST <br />GRAND ISLAND, NE 68801 <br /> <br />THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY <br />INTEREST RATE AND MY MONTHLY PAYMENT. THIS NOTE LIMITS THE <br />AMOUNT MY INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE <br />MAXIMUM RATE I MUST PAY. <br /> <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements made <br />in the Security Instrument, Borrower and Lender further covenant and agree as <br />follows: <br /> <br />A. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br /> <br />The Note provides for an initial interest rate of 10.050%. The Note provides for <br />changes in the interest rate and the monthly payments as follows: <br /> <br />4. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br /> <br />(A) Change Dates <br /> <br />The interest rate I will pay may change on the first day of OCTOBER, 2009, and on <br />that day every 12th month thereafter. Each date on which my interest rate could change <br />is called a "Change Date." <br /> <br />(B)The Index <br /> <br />Beginning with the first Change Date, my interest rate will be based on an Index. The <br />"Index" is the average of interbank offered rates for one-year U.S. dollar-denominated <br />deposits in the London market ("UBOR"), as published in The Wall Street Journal. The <br />most recent Index figure available as of the date 45 days before each Change Date is <br />called the "Current Index." <br /> <br />If the I ndex is no longer available, the Note Holder will choose a new index which is <br />bas~d upon comparable information. The Note Holder will give me npt~f t.hiS <br />chOice. ~h /JJ <br />Initials: if /'?JU <br />MULTISTATE ADJUSTABLE RATE RIDER - WSJ One..Year L1BOR - Single Family. 6/01 <br />Fannie Mae UNIFORM INSTRUMENT Form 3189 - Modified by US Bank US3189 <br />Online Documents, Inc. Page 1 of 3 P5573RDU 0607 <br />