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202103856 MIN: 1002989-4722076912-0 Loan/Servicing #: 4722076912/2069413140 FIXED/ADJUSTABLE RATE RIDER (30 -day Average SOFR Index (As Published by the Federal Reserve Bank of New York) — Rate Caps) THIS FIXED/ADJUSTABLE RATE RIDER is made this 6th day of May, 2021, and is incorporated into and will be deemed to amend and supplement the Mortgage, Mortgage Deed, Deed of Trust, or Security Deed (the "Security Instrument") of the same date given by the undersigned (the "Borrower") to secure Borrower's Fixed/Adjustable Rate Note (the "Note") to HSBC Bank USA, N.A. (the "Lender") of the same date and covering the property described in the Security Instrument and located at: 1413 Stagecoach Rd, Grand Island, NE 68801 [Property Address] THE NOTE CONTAINS PROVISIONS ALLOWING FOR A CHANGE IN BORROWER'S FIXED INTEREST RATE TO AN ADJUSTABLE INTEREST RATE. THE NOTE LIMITS THE AMOUNT THE BORROWER'S ADJUSTABLE INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MINIMUM AND MAXIMUM RATES THE BORROWER MUST PAY. ADDITIONAL COVENANTS. In addition to the representations, warranties, covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note provides for monthly payments of principal and interest ("Monthly Payment") and an initial fixed interest rate of 3.391%. The Note also provides for a change in the initial fixed interest rate to an adjustable interest rate, as follows: 4. 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, 2031, and the adjustable interest rate I will pay may change on the first day of the month every 6th month thereafter. Each date on which my adjustable 111111111111111111111111 * 4 7 2 2 0 7 6 9 1 MULTISTATE FIXED ADJUSTABLE RATE RIDER -30 -day Average SOFR —Single Family—Fannie Mae/Freddie Mac Un'form Instrument Mortgage Cadence Document Center m 4287 04/20 II ..i. S2 IAIIIIJIIj 1J1 II all Form 3142 04/20 (Page 1 of 5)