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2ol�oss55 FIXED/ADJUSTABLE RATE RIDER (LIBOR One-Year Index (As Published In The Wall Street Journa�- Rate Caps) THIS FIXED/ADJUSTABLE RATE RIDER is made this 16th day of November, 2011 , 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 ("Borrower") to secure Borrower's Fixed/Adjustable Rate Note ithe "Note") to USAA Federal Savings Bank ("Lender") of the same date and covering the property described in the Security Instrument and located at: 626 E Dean, Grand Island, NE 68801 [Property Address] THE NOTE PROVIDES FOR A CHANGE IN BORROWER'S FIXED INTEREST RATE TO AN AdJUSTABLE INTEREST RATE. THE NOTE LlMITS THE AMOUNT BORROWER'S ADJUSTABLE INTEREST RATE CAN CHANGE AT ANY ORIE TIME AND THE MAXIMUM RATE SORROWER MUST PAY. ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security lnstrument, Borrower and Lender further covenant and agree as follows: A. ADJUSTABLE RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial fixed interest rate of 2. 500 %. The Note also provides for a change in the initial fixed rate to an adjustable interest rate, as follows: 4, ADJUSTABLE INTEREST RATE AND MONTHLY PAYMENT CHANGES (A1 Change Dates The initiai fixed interest rate I will pay will change to an adjustable interest rate on the first day of December, 2016 , and the adjustable interest rate I will pay may change on that day every 12th month thereafter. The date on which my initial fixed interest rate changes to an adjustable interest rate, and each date on which my adjustable interest rate could change, is called a"Change Date." 702314113 1109160104 MULTISTATE FIXEDIADJUSTABLE RATE RIDER - WSJ One-Year LtBOR - Single Family - Fannie Mae Uniform (nstrument Form 3187 6/01 Wolters Kluwer Financia! Serv'ces VMP � -168R {0807) Page 1 of 4 Initials � v c L/� /'� " ' �