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2ooso~7o~ INITIAL INTERESTBM ADJUSTABLE RATE RIDER (1-Year LIBOR Index -Rate Caps) (Assumable after Initial Period)(45 Day Lookback) THIS INITIAL INTERESTADJUSTABLE RATE RIDERis made this 30TH day of OCTOBER, 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 the Borrower's Initial Interest Adjustable Rate Note (the "Note") to WELLS FARGO BANK, N.A. (the "Lender") of the same date and covering the property described in the Security Instrument and located at: 2609 RIVEAVIEW DRIVE, GRAND ISLAND, NE 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'SINTERESTRATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE 80RROWER 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 3.750 %. The Note provides for interest only payments until the first fully amortizing principal and interest payment due date (the "First P&I Payment Due Date"), which is the first day of DECEr1sEA, 2019 The Nate provides for changes in the interest rate and the monthly payments as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Interest Change Dates The interest rate I will pay may change on the first day of NovEMSEA, 2014 , and may change an that day every 12th month thereafter. Each date on which my interest rate could change is called an "Interest Change Date." (B) The Index Beginning with the first Interest Change Date, my interest rate will be based an an Index. The "Index" is the one-year London Interbank Offered Rate ("LIBOR") which is the average of interbank offered rates far one-year U.S. dollar-denominated deposits in the London market, 0283624116 MULTISTATE INITIAL INTEREST ADJUSTABLE RATE RIDER - 1-Year LIBOR Index (Assumable after Initial Period) (45 Day Lookback) -Single Family - Form 5137 7/05 Freddie Mac UNIFORM INSTRUMENT VMP193R (0804).00 VMP ® Pag'e~of 65 Wolters Kluwer Financial Services Initials: NMFL 8539 (LDAR) Rev 2/2009