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MERS MIN: 100039033641880228 THIS ADJUSTABLE RATE RIDER is made this 15th day of May. 2017 , and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed ( "Security Instrument") of the same date given by the undersigned ( "Borrower ") to secure Borrower's Note ( "Note ") to Qui cken Loans Inc. (the "Lender ") of the same date and covering the Property described in the Security Instrument and located at: 923 E Phoenix Ave Grand Island, NE 68801 -8153 (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 MINIMUM AND MAXIMUM RATES 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 Dates. The interest rate I will pay may change on the first day of October 2022 , 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 States Treasury securities adjusted to a constant maturity of one year, as made available by the Federal Reserve Board. The most recent Index value available as of the date 45 days before each Change Date is called the "Current Index," provided that if the Current Index is less than zero, then the Current Index will be deemed to be zero for purposes of calculating my interest rate. 3902680527 11 1Pl1111111111111111111111 FHA Multistate ARM Rider 9/30/2014 (rev. 6/16) Bankers Systems TM VMP ® 8033364188022 0470 741 0103 VMP591 U (1609).00 Wolters Kluwer Financial Services Adjustable Rate Rider 201703239 3364188022 FHA Case No. 321 - 3553413 -729 Page 1 of 3