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ADJUSTABLE RATE RIDER <br />THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY <br />INTEREST RATE AND MY MONTHLY PAYMENT. INCREASES IN THE <br />INTEREST RATE WILL RESULT IN HIGHER PAYMENTS. DECREASES IN THE <br />INTEREST RATE WILL RESULT IN LOWER PAYMENTS. <br />THIS ADJUSTABLE RATE RIDER is made this 27th day of February, 2015 <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed <br />of Trust, or Security Deed (the "Security Instrument ") of the same date given by the <br />undersigned (the "Borrower ") to secure Borrower's Adjustable Rate Note (the "Note ") to <br />Home Federal Savings and Loan Assn of Grand Island <br />[Property Address] <br />201501275 <br />(the "Lender ") of the same date and covering the Property described in the Security <br />Instrument and located at: 3005 Bighorn P1 <br />Grand Island, NE 68803 <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the <br />Security Instrument, Borrower and Lender further covenant and agree as follows: <br />A. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />The Note provides for an initial interest rate of 4.000 %. The Note provides <br />for changes in the interest rate and the monthly payments, as follows: <br />4. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />(A) Change Dates <br />The interest rate I will pay may change on the 1st day of March 2018 <br />and on that day every 12th month thereafter. Each date on which my interest rate <br />could change is called a "Change Date. <br />MULTISTATE ADJUSTABLE RATE RIDER Single Family <br />• -899R (0510) <br />Page 1 of 5 Initials: <br />VMP Mortgage Solutions, 1 <br />(800)521 -7291 <br />