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Adjustable Rate Rider 201 306564 FHA Case No. 321- 3257826 -729 THIS ADJUSTABLE RATE RIDER is made this 8th day of August, 2013, and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed ( "Security Instrument ") ofthe same date given by the undersigned ( "Borrower ") to secure Borrower's Note ( "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: 3109 Briarwood BLVD, Grand Island, NE 68801 -7224 [Property Address] THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE BORROWER 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: Interest Rate and Monthly Payment Changes. (A) Change Date. The interest rate may change on the first day of January, 2019, and on that day of each succeeding year. "Change Date" means each date on which the interest rate could change. (B) The Index. Beginning with the first Change Date, the interest rate will be based on an Index. "Index" means the weekly average yield on United States Treasury Securities adjusted to a constant maturity of one year, as made available by the Federal Reserve Board. "Current Index" means the most recent Index figure available 30 days before the Change Date. If the Index (as defined above) is no longer available, Lender will use as a new Index any index prescribed by the Secretary. As used in this Rider, "Secretary" means the Secretary of Housing and Urban Development or his or her designee. Lender will give Borrower notice of the new Index. (C) Calculation of Interest Rate Changes. Before each Change Date, Lender will calculate a new interest rate by adding a margin of one and three- quarters percentage point(s) (1.750 %) to the Current Index and rounding the sum to the nearest one - eighth of one percentage point (0.125 %). Subject to the limits stated in paragraph (D) of this Rider, this rounded amount will be the new interest rate until the next Change Date. (D) Limits on Interest Rate Changes. The existing interest rate will never increase or decrease by more than one percentage point(s) (1.000 %) on any single Change Date. The interest rate will HCFG -00803 FHA ARM Rider -One Year Treasury Constant Maturities Index 4/05 VMP® 11/11 Wolters Kluwer Financial Services 201308074 .3.8.2418- J20130204Y Page 1 of 3 11 1 1 1 111111 1 11