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201903037 Fixed/Adjustable Rate Rider (LIBOR One -Year Index (As Published In The Wall Street Journal)- Rate Caps) THIS FIXED/ADJUSTABLE RATE RIDER is made this 23rd day of May, 2019, 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 First National Bank of Omaha, A National Banking Association ("Lender") of the same date and covering the property described in the Security Instrument and located at: 3024 BIGHORN PL, 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 4.000%. The Note also provides for a change in the initial fixed rate to an adjustable interest rate, as follows: 4. Adjustable Interest Rate and Monthly Payment Changes. (A) Change Dates. The initial fixed interest rate I will pay will change to an adjustable interest rate on the first day of June, 2029, 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. If the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation of Changes. Before each Change Date, the Note Holder will calculate my new interest rate by adding two and one-quarter percentage points (2.250%) (the "Margin ") to the Current Index. The Note Holder 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 Note Holder 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 MULTISTATE FIXED/ADJUSTABLE RATE RIDER -WSJ One -Year LIBOR -Single Family -Fannie Mae Uniform Instrument VMP® Wolters Kluwer Financial Services 2019052319.1.0.2413-J20180529Y 1346156 Form 3187 6/01 (rev. 6/16) 02/2017 Page 1 of 3