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201003739 <br />ADJUSTABLE RATE RIDER <br />(1 Year Treasury Index -Rate Caps) <br />THIS ADJUSTABLE RATE RIDER is made this 28th day of rtay, 2010 <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 BANTA <br />(the "Lender") of the same date and covering the property described in the Security <br />Instrument and located at: <br />312 Redwood Rd. <br />Grand Island, NE fi88U3 <br />[Property Address] <br />TWE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN TWE <br />INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE <br />AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE <br />TIME AND THE MAXIMUM RATE THE BORROWER MU5T PAY. <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 />A. INTEREST RATE AND MONTHLY PAYMENT 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 />4. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />(A) Change Dates <br />The interest rate I will pay may change on the first day of suns 2015 <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 />230756 <br />MULTISTATE ADJUSTABLE 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 ® ~822R (0804) <br />Wolters Kluwer Financial Services Initia s Page 1 of 4 <br />/" <br />