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202400142 Loan Number: 0030035893 ADJUSTABLE RATE RIDER THIS ADJUSTABLE RATE RIDER is made this 5th day of January, 2024 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 (the "Borrower") to secure Borrower's Adjustable Rate Note (the "Note") to EQUITABLE BANK, A CORPORATION (the "Lender") of the same date and covering the property described in the Security Instrument and located at: 1405 W North Front St, GRAND ISLAND, NEBRASKA 68801 [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 MAXIMUM RATE 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: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial interest rate of 7.750 %. The Note provides for changes in the interest rate and the monthly payments as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the 1st day February, 2029 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 m The most recent Index figure available as of the date 30 days before each Change Date is called the "Current Index". Federal Reserve Statistical Release H-15 (https://www.federalreserve.gov/releases/h15/) The most recent Index figure available as of the date: 45 days before each change date is called the "Current Index" MULTISTATE ADJUSTABLE RATE RIDER USARM3.RID 03/06/13 Page 1 of 3 *DocMagic I11111111111111111111111111IIIIIliii1111111111111111111111III1111111111111111111111111111111111111111111111III111111111111111111111III1111111111111111111111111111IIII111111I