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��14��5 F ixedlAd'u�ta b l e F�ate F�i d e r J tLiB�R �ne-Year Index �As Published In 2�`he Wall Street Jox�rnal�- Rate Ca�s� THIS FI�EDIA�JUSTABLE RATE RIDER is made this 1 Sth day of Sept�mber, 2�14, 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 FixedlAdjustable Rate I�ote�the "Note"�to JPMorgan�hase Bank,N.A. �"Lender"�of the same date and covering the proper�y described in the Security Instrument and lo�ated at: 3648 S BLAINE ST,GRAND ISLAND,NE 685�� [Prope�y Address] THE N�TE PRC�VIDES F�R A CHANGE IN B�RR�WER'S FIXED INTEREST R.ATE T� AN AD�llSTABLE INTEREST R.ATE. THE N�TE LIMITS THE AM�llNT B�RR�WER'S AD�llSTABLE INTEREST R.ATE CAN �HANGE AT ANY �NE TIME AND THE MAXIMi.IM R.ATE B�RR�WER Mi.IST PAY. Add itio na I C o�e na nts.In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as fol.lows: A.Adjustat�le Rate and Monthly Payment Chan�es.TheNote provides for an initial fxed interest rate of 3.625%.The Note also provides for a change in the initial fixed rate to an adjustable interest rate, as follows: 4. Adjustahle Interest Rate and Monthly Payment Changes. �A��hange Dat�s.The in�tial fixed interest rate I will pay will change ta an adjustable interest rate on the first day of�ctober,2�2 l, 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 adjusta.ble interest rate,and each date on v�vh�ch my adjust.a.ble interest rate could change, is called a�'�hange Date." �B�Th� lnd�x. Beginning with the first Change Dat�,my adjustable inter�st rat�will b�has�d on an Index.The "Index" is the average of interbank ofFered rates for one-year U.S.dollar-denominated deposits in the London market�"LIB�R"�,as pub�ished in The YYaI�Str�eet.Tournal.The most recent � jnde�figure a�ailable as of the date 45 days before each�hange I3ate is called the '�Curre�at Index." If the Index is no longer available,the Note Holder will chaose a new index that is based upon comparable information. The N�te Holder will give me notice of this chaic�. 1 ��y �alculation of�hanges, Before each �hange Date,the Note Holder will calculate my new interest rate by adding two and one-quarter percentage points�2.25�°/a}to the�urrent Index. The Note Holder will then round the resu�t of this addition to the nearest one-eighth of one percentage 119584�3�]1 MU�TISTATE FIxE01A0JUSTABl.E RATE RIDER-W�Dne-Year L1BDR-Single Famify-Fannie Mae IJnif�rm F�rm 3187 fil�]1 lnstrument VMP� � �� 02113 Walters hCluwer Financial Services 2�14�9154.1.1.2529-J2�13122fiY lniti Page 1�f 4 * 1'I958a03Q11 3'`