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202205686 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 29th day of July, 2022, 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 CENTRIS FEDERAL CREDIT UNION (the "Lender") of the same date and covering the property described in the Security Instrument and located at: 4403 STONERIDGE PATH GRAND ISLAND, NEBRASKA 68801 (Property Address) THIS NOTE CONTAINS PROVISIONS ALLOWING FOR A CHANGE IN BORROWER'S FIXED INTEREST RATE TO AN ADJUSTABLE INTEREST RATE. THIS 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 3.990%. 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 August, 2032, 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 interest rate could change is called a "Change Date." MULTISTATE FIXEDIADJUSTABLE RATE RIDER — 30 -day Average SOFR • Single Family Form 3142 04120 Fannie Mae/Freddie Mac Uniform Instrument Page 1 of 4 IDS, Inc. - 88055 1 REOPRiil