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CONVERTIBLE REVOLVING LINE OF CREDIT VARIABLE RATE RIDER (Daily Wall Street LIBOR Index — Semi - Annual Pay - No Rate Cap - Convertible) Ag Land, Hall County, Nebraska [Property Address] THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE. THE NOTE ALSO CONTAINS THE OPTION TO CONVERT THE VARIABLE RATE TO ANOTHER RATE. VARIABLE RATE AND SEMI- ANNUAL PAYMENT CHANGES 1. Payment of Principal and Interest. MULTISTATE ADJUSTABLE RATE RIDER 1 11 1111111111 I I I) 140100 ) 11111 11111 11111 11111 1111 11 11 5 2 201400935 This REVOLVING LINE OF CREDIT VARIABLE RATE RIDER is made this Eighteenth day of February, 2014, 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 (the `Borrower ") to secure Borrower's Promissory Note (the "Note ") to First Dakota National Bank (the "Lender ") of the same date and covering the property described in the Security Instrument and located at: Additional Covenants. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: The Note provides for an initial interest rate to be determined on the date of the first, initial or only advance of fiords under the Note. The Note provides for changes in the variable interest rate as follows: (a) Subject to subparagraph "(b)" below, interest shall accrue on the unpaid balance of this Note at a rate equal to the sum of (i) the Current Index (defined below) and (ii) the Margin (defined below) (the "Variable Rate "). The Variable Rate shall change on each day the Wall Street LIBOR rate changes (each, a "Rate Change Date ") until the Loan is repaid in full or until the Borrower exercises the option to convert the interest rate to another rate as provided in subsection (f) below. (b) The initial Variable Rate applicable to all amounts advanced or outstanding under this Note on the date of the first, initial or only advance of funds under this Note shall be equal to the sum of the (i) the Margin and (ii) the Current Index. For purposes of setting the Current Index for the initial interest Variable Rate, the date of such first, initial or only Advance shall be deemed to be a Rate Change Date. Thereafter, the Variable Rate shall be set as described in subparagraph "(a)" above. (c) A payment of interest calculated at the Variable Rate on the outstanding principal balance represented under this Note from the date of the first advance hereunder through and including the immediately succeeding December 11 1 ©2014, All Rights Reserved 1511140214 [Doc Id 9713 M07152010]