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ADJUSTABLE RATE RIDER <br />THIS ADJUSTABLE RATE RIDER is made this 5th day of October, 2016 <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 />(the "Lender ") of the same date and covering the Property described in the Security <br />Instrument and located at: 3515 E Gregory Ave <br />Grand Island, NE 68801 <br />[Property Address] <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 />A. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />The Note provides for an initial interest rate of 4.750 %. The Note provides <br />for changes in the interest rate and the monthly payments, as follows: <br />201607184 <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 />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 November 2021 <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 />44-8998 (0510) 10/05 <br />Page 1 of 5 Initials: <br />VMP Mortgage Solutions, Inc. <br />(800)521 -7291 <br />