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2QQ9U8117 Loan No.: 60241319b MIN: 100037506024131964 FHA/VA Case No.: 343460177200 ADJUSTABLE RATE RIDER (1 Year Treasury Index-Rate Caps) THIS ADJUSTABLE RATE RIDER is made this 25th day of September, 2009, 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 Flagship Financial Group, LLC (the "Lender") of the same date and covering the property described in the Security instrument and located at: 237 NORTH DARR AVENUE, Grand island, NE 68803 [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 CHANCE AT ANY ONE TIME AND THE MAXIMUM RATE THE BORROWER MUST PAY. ADDITLONAL 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 4.000°/a. 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 1st day of,Ianuary, 2013, 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 ftrst 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 30 days before each Change Date is called the "Current Index." Multistate VA Adjustable Rate Rider VA Modified Horm 3108 Ol/Ol The Compliance Source, Inc. Page 1 013 Modifie by "The Compliance Source, Inc:' 84411MU 12!03 www.compliancesource.comU'2003, The Compliance Source, Inc. II VIII VIII VIII VIII VIII VIII VIII VIII III b 0 2 4 1 3 7 9 b