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<br />200901258 <br /> <br />ADJUSTABLE RATE RIDER <br /> <br />(1 Year Treasury Index - Rate Caps) <br /> <br />THIS ADJUSTABLE RATE RIDER is made this 20th day of February, 2009 , <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed <br />of Trust, or Security Deed (the "Security Instrument") of the same date given by the <br />undersigned (the "Borrower") to secure Borrower's Adjustable Rate Note (the "Note") to <br />EQUITABLE BANK <br /> <br />(the "Lender") of the same date and covering the property described in the Security <br />Instrument and located at: <br /> <br />3551 S McGUIRE RD <br />WOOD RIVER, NE 68883-9620 <br />[Property Address] <br /> <br />THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE <br />INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE UMITS THE <br />AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE <br />TIME AND THE MAXIMUM RATE THE BORROWER MUST PAY. <br /> <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the <br />Security Instrument, Borrower and Lender further covenant and agree as follows: <br /> <br />A. INTEREST RATE AND M ONTHL Y PA YM ENT CHANGES <br />The Note provides for an initial interest rate of 6.000 %. The Note <br />provides for changes in the interest rate and the monthly payments as follows: <br /> <br />4. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />(A) Change Dates <br />The interest rate I w ill pay may change on the first day of March 2014 <br />and on that day every 12th month thereafter. Each date on which my interest rate could <br />change is called a "Change Date." <br /> <br />230442 <br />M UL TISTA TE ADJ USTABLE RATE RIDER - ARM 5-2 Fannie Mae 4-2/5-2/6-2 ARM <br />Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3111 1/01 <br />VMP @ .,-jI~P822R (0804) <br />Wolters Kluwer Financial Services Initials:~ Page 1 of 4 <br /> <br />;. ~ ~ <br /> <br />, I <br /> <br />. ~ <br />