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�0��05��9 <br />ADJUST.ABLE RATE RIDER <br />(1 Year LIBOR Index - Rate Caps) <br />(Assumable after Initial Reri� <br />THIS ADJUSTABLE RATE RIDER is made this 21st day of July, 2011 , <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 the Borrower's Adjustable Rate Note (the °Note°) to <br />II.S. Bai�h N.A. <br />(the "Lender") of the same date and covering the property describad in the Securifiy <br />Instrument and located at: <br />3116 b�IGNOLIA CT, GR1�ND ISLAND, NE 68803 <br />[Properry Address] <br />THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE <br />INTQtEST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE <br />AMOUNT THE BORROWEFrS INTERE.ST RATE CAN CHANGE AT ANY ONE <br />TIME AND THE MAXIMUM RATE THE BORROWER MUST 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 RATEAND MONTHLY PAYMENT CHANGES <br />The Note provides for an initial interest rate of 3.250 %. The Note <br />provides for changes in the interest rate and the monthly payments as follows: <br />4. INTEREST RATEAND MONTHLY PAYMENT CHANGES <br />(A) Change Dates <br />The interest rate I will pay may change on the first day of August, 2016 , <br />and may change on that day every 12th month thereafter. Each date on which my interest <br />rate could change is called a"Change Date." <br />(B) The Index <br />Beginning with the first Change Date, my interest rate will be based on an Index. The <br />"Index" is the one-year London Interbank Offered Rate ("LIBOR") which is the average of <br />interbank offered rates for one-year U.S. dollar-denominated deposits in the London market, <br />as published in The Wall Street Journal. The most recent Index figure available as of the date <br />45 days before each Change Date is called the "Current Index." <br />If the Index is no longer available, the Note Holder will choose a new index which is <br />based upon comparable information. The Note Holder will give me notice of this choice. <br />2200142286 D V868R <br />MULTISTATE ADJUSTABLE RATE WDER -1-Year IJBOR Indeu (Awumable after INtlal Period) Fnrm 6131 3I04 <br />SinAle Family - Freddia Mao UNIFORM INSTRUMENT <br />VMP868R (0804) <br />Wol� Kluwer Rnandal Servlees Initfala 1�� P�e 1 of 4 <br />