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202405450 ADJUSTABLE RATE RIDER (1 Year Treasury Index — Rate Caps) THIS ADJUSTABLE RATE RIDER is made this 31st day of October, 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 Home Federal Savings and Loan Assn of Grand Island, a Federal Savings Association (the "Lender") of the same date and covering the property described in the Security Instrument and located at: 4268 Augusta Pkwy, Grand Island, NE 68803. THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. 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 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 5.500 %. 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 of November, 2025 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 that is calculated and provided to the general public by an administrator (the "Administrator"). The "Index" is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System. 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 MULTISTATE ADJUSTABLE RATE RIDER — ARM 5-1 — Single Family — Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Form 31081/01 (rev. 2/20) MULTISTATE ADJUSTABLE RATE RIDER — ARM 5-2 — Single Family — Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3111 1/01 (rev. 2/20) ICE Mortgage Technology, Inc. Page 1 of 4 F3108RDU 0320 F3108RLU (CLS)