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201807688 FIXED/ADJUSTABLE RATE RIDER (LIBOR One -Year Index (As Published In The Wall Street Journal - Rate Caps) LOAN# 000026454 THIS FIXED/ADJUSTABLE RATE RIDER is made this 21st day of November , 2018 , and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument") of the same date given by the undersigned ("Borrower") to secure Borrower's Fixed/Adjustable Rate Note (the "Note") to CENTRIS FEDERAL CREDIT UNION, A FEDERALLY CHARTERED CREDIT UNION ("Lender") of the same date and covering the property described in the Security Instrument and located at: 2673 OFLANNAGAN ST GRAND ISLAND, NE 68803 [Property Address] THE NOTE PROVIDES FOR A CHANGE IN BORROWER'S FIXED INTEREST RATE TO AN ADJUSTABLE INTEREST RATE. THE NOTE LIMITS THE AMOUNT BORROWER'S ADJUSTABLE INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MINIMUM AND MAXIMUM RATES 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: A. ADJUSTABLE RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial fixed interest rate of 4.875 °A. The Note also provides for a change in the initial fixed rate to an adjustable interest rate, as follows: 4. ADJUSTABLE INTEREST RATE ANI) MONTHLY PAYMENT CHANGES (A) Change Dates The initial fixed interest rate I will pay may change to an adjustable interest rate on the first day of December , 2028 ,and the adjustable interest rate I will pay may change on that day every 12th month thereafter. The date on which my initial fixed interest rate changes to an adjustable interest rate, and each date on which my adjustable interest rate could change, is called a "Change Date." (B) The Index Beginning with the first Change Date, my adjustable interest rate will be based on an Index. The "Index" is the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in The Wall Street Journal. 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. MULTISTATE FIXED/ADJUSTABLE RATE RIDER -WSJ ONE-YEAR LIBOR -Single Family- Fannie Mae Uniform Instrument Form 3187 6/01 (rev. 6/16) (Page 1 of 4) G3187-01 (07/16)