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202506148 LOAN #: 250931133 SIMPLE INTEREST RIDER (Fixed Rate) THIS SIMPLE INTEREST RIDER (this Rider) is made this 24th day of October, 2025 and is incorporated into and shall be deemed to amend and supplement: The Mortgage, Mortgage Deed, Deed of Trust, or Security Deed (the "Security Instru- ment") of the same date given by JENNIFER FREGOSO OCHOA AND ANDRES SILVAS VALDEZ, WIFE AND HUSBAND (referred to herein as "Mortgagor," whether one or more) to secure a certain promissory note (the "Note") to Trius Federal Credit Union, a Federal Credit Union ("Lender") and covering the property described in the Security Instrument and located at: 1417 N Huston Avenue Grand Island, NE 68803 Unless the context requires otherwise, capitalized terms used in this Rider that are not specifically defined in this Rider have the same meaning as in the Security Instrument. The terms and conditions of the Security Instrument remain in effect (including, for example and without limitation, the late charge and default provisions of the Security Instrument), except that in case of irreconcilable conflict between this Rider and the terms and conditions of the Security Instrument, this Rider will control. ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, each of the undersigned further covenant and agree as follows: Interest on the unpaid principal balance of the Note and on amounts disbursed by Lender pursuant to the Security Instrument shall be computed daily on a simple interest basis, from date of disbursement to the date payment is accepted and applied to unpaid principal or to amounts disbursed pursuant to the Security Instrument (as applicable). The daily interest rate shall equal the annual interest rate described in and applicable to the Note (the "Note rate") divided by 365. If payments required by the Note or Security Instrument are made late, the interest payable under the Note or Security Instrument (as applicable) will continue to accrue to the date payment is accepted and applied to reduce outstanding unpaid disbursed amounts, as described above. If payments required by the Note are made late, because interest will continue to accrue on the unpaid principal balance of the Note until payment is accepted and applied to reduce the unpaid principal balance, the total interest due under the Note will increase, which may cause the dollar amount of the final payment due under the Note to also increase accordingly. If payments FIXED RATE SIMPLE INTEREST RIDER ICE Mortgage Technology, Inc. Page 1 of 2 GFSIRDU 0624 GSIRLU (CLS) 10/23/2025 07:07 AM PST