five year fixed rate with a 20 year amortization and 20 year term

[Adam Craig]

I am somewhat new to the commercial terms. My lender is offering a commercial loan at...

4.25% with a five year fixed rate with a 20 year amortization and a 20 year term.

Just to confirm, this means the loan can have the rate adjusted in 5 years - does this mean they will defiantly adjust the rate or just that they have the option.

Thanks