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2� 1 ��45�� Ad'ustable Rate Rider J �'I-Year LIB�R Ind�x - Rate �aps� �Assumable After in�tial Perivdj THIS ADJUSTABLE RATE RIDER is made thi5 i�th day of July,2�16,ar�d is in�arporated intv and shall be deemed to amend and supplement the Mortgage, Deed of Trust,or Security Deed(the "Securrty Instrument"}of the same date given by the undersigned�the "Borrawer"}to secure the Barrower's Adjustable Ra.te Note(the "Note"}to �lVells Fargo Bank,N.A. (the "�erider"}of the same date and co�ering the propet�y descr�bed in the Security Instrumer►t and lacated at: 4145 HARTF�RD ST, �RAND ISLAND,NE 58$03-2264 [Property Address] THE N�TE C�NTAINS PR�VISI�NS ALL�WING F�R CHANGES IN THE INTEREST RATE AND THE M�NTHLY PAYMENT.THE N�TE LIlVIITS THE AM�UNT THE B�RR��VER'S INTEREST RATE CAN�HANGE AT ANY�NE TIME AND THE MAXIMCTM RATE THE B�RR��VER MUST PAY. Addit�onai Co�enants. In addition t�the co�enants and agreements made in the Security Instrument, Borrower and Lender further Govenant and agree as fol�aws: A. Interest Rate and AAanthly Payment Changes. The Note prov�des far an initial interest rate of 3.7 S 0%.The Note pro�ides for changes in the interest rate and the monthly payments as fol iows: 4. �nterest Rate and Manthly Payment Chang�s. �A��hange Dates. The interest rate I will pay may char�ge on the first day of August,2023,and may change on that day e�ery 12th month thereafter. Each date on which my interest rate could �hange is called a "Change Date". �Bj The Index. Beginnin�with the f rst Change Date,my interest rate will be based on an Index. The "Index" is the one-year London Interbank�ffered Rate("LIB�R"�which is the a�erage of interbank offered rates far ane-year U.S. dollar-denominated deposits in the London market,as published in The Wall�treet�Iournad.The most recent Index f�gure a�ailab�e as of the date 45 days befare each Change Date is ca�led the "�urrent Index". I f the Index is no longer avai l ab�e,the N ote Ho lder wi 1 I choose a new index wh ic h i s based upon comparable informati�n.The Note Holder wi��give me notice of this choice. �C� Calculation of Changes. Before each�hange Date,the Note Hoider will calculate my new interest rate by adding two ar�d one-quar�er percentage paint�s]�2.25�°/0)to the Current Index.The Nvte Halder will then round the result of thi�addition to the nearest one-eighth of one percentage po�nt��.125%}, Suhject to the limits stated in Section 4(D}below,this rounded amaunt will be my new interest rate until the next Change Date. HCFG-0OD2l MULTISTATE AUJU5TA8LE RATE R40ER-�-Year LieoFt Index{Assumable aFter Initial Periodf 5ingie Family- Form 5131 3184 Freddie MeC LINIFDRM INSTRuMENT �� D5113 Wblters ICluwer Financial Servir�e.s 2016063U15.3.�.3549-J201fiQ120Y Page 1 o�F 4 R k