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Adjustable Rate Rider THIS ADJUSTABLE RATE RIDER is made this 22nd day of May, 2015, 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: 2811 S Blaine ST, GRAND ISLAND, NE 68801 [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 I will pay may change on the first day of October, 2020, and on that day every 12th month thereafter. Each date on which my interest rate could change is called a "Change Date." (B) The Index. Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the weekly average yield on United State Treasury securities adjusted to a constant maturity of one year, as made available by the Federal Reserve Board. The most recent Index figure available as of the date 45 days before each Change Date is called the "Current Index." If the Index is no longer available, the Lender will choose a new index which is based upon comparable information. The Lender will give me notice of this choice. (C) Calculation of Interest Rate Changes. Before each Change Date, the Lender will calculate my new interest rate by adding a margin of percentage points (1.750 %) to the Current Index. The Lender will then round the result of this addition to the nearest one - eighth of one percentage point (0.125 %). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. The Lender will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at my HCFG -00603 FHA ARM Rider -One Year Treasury Constant Maturities Index (09/14) VMP' 12/14 Wolters Kluwer Financial Services 2015052215.1.0.3112- J20150123Y Page 1 of 2 11 11 1 1 FHA Case No. 321- 3390387 -729 01110 201503426 1 II nr 1 111