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DARP RIDER THIS RIDER is made on 05/15/2026 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument") , and the Note secured thereby (as defined in the Security Instrument), to which it is attached and forms a part, all of the same date given by the undersigned (the "Borrower") to FIRST CENTRAL SAVINGS BANK, 70 Glen Street, Glen Cove, NY 11542, its successors and/or assigns (the "Lender") and covering the Property described in the Security Instrument and located at: 1435 Sagewood Ave, Grand Island, NE 68803 [Property Address] I hereby acknowledge and agree that I am enrolled and participating in the Lender's Deposit Account Relationship Program (hereinafter "DARP" or the "Program") and agree to the terms and conditions of DARP as hereinafter provided. All defined terms herein, signified by the initial capitalization thereof, unless defined herein otherwise, shall have the same meaning as defined in the Note and Security Instrument: I . In consideration for my participation in DARP, and provided I am in compliance with the requirements of the Program, and further provided I am not otherwise in default of the terms of the Note and the Security Instrument that has remained uncured for thirty (30) days or more, and only so long as I am participating in good standing with the requirements of the program, the interest rate I am charged for the loan will be discounted by ONE -EIGHTH (.125%) percent per annum less (the "DARP Discount Rate") or ONE -QUARTER (.25%) percent per annum less (the "Enhanced DARP Rate"), depending on the level of DARP I have selected to participate in, as signified below, from the interest rate otherwise offered under the Lender's loan program for which I applied, qualified for and accepted, and any future interest (if my Note has an adjustable rate feature) except, and subject to the limitations, as hereinafter provided. I acknowledge that I elected to participate in DARP to receive the benefits of the Program, including the DARP Discount Rate or Enhanced DARP Rate. If my Note has an adjustable rate feature, each time an interest rate change is calculated the Lender will calculate the interest rate change as set forth in Section 4 of the Note and Section A of the Adjustable Rate Rider to the Security Instrument, and then apply the ONE -EIGHTH (.125%) percent per annum interest rate discount under DARP to produce the DARP Discount Rate or the ONE -QUARTER (.25%) percent per annum interest rate discount under Enhanced DARP to produce the Enhanced DARP Rate, depending on the level of my participation. If my Note has an adjustable rate feature the DARP Discount Rate or Enhanced DARP Rate will be the interest rate I will pay even if such rate is below any limit on interest rate changes set forth in Section 4 of the Note, subject to the limits on interest rate changes that may occur on the first Change Date or each subsequent Change Date. I further acknowledge: (A) that the interest rate offered, or initial interest rate if my Note has an adjustable rate feature, without any DARP discount is 6.625 percent per annum, and that the interest rate set forth in Section 2 of the Note and Section A of the Adjustable Rate Rider to the Security Instrument is the DARP Discount Rate or Enhanced DARP Rate, depending on my level of participation as signified below; and (B) that my monthly payment, or initial monthly payment if my Note has an adjustable rate feature, without any DARP discount is $3,159.90, and that the monthly payment in Section 3 of the Note reflects the discount provided by the Program, depending on my level of participation, as signified below. If at any time I fail to comply with the requirements of DARP or I am otherwise in default of the terms of the Note and Security Instrument and the default remains uncured for thirty (30) days or more, the Lender may elect to terminate my participation in DARP. If the Lender elects to terminate my participation in DARP I will lose the benefit of the DARP Discount Rate or Enhanced DARP Rate, which will be terminated, and the interest rate I am charged will be restored by adding either ONE -EIGHTH (.125%) percent per annum or ONE - QUARTER (.25%) percent per annum, depending on my level of participation, to the interest rate provided in Section 2 of the Note or as calculated in accordance with Section 4 of the Note (if my Note has an adjustable rate feature) as it would be if I never participated in DARP, and the amount of my monthly payment will increase to apply the interest rate that would be in effect without the DARP discount. If this happens I may owe additional interest at the difference between the DARP Discount Rate or the Enhanced DARP Rate depending on my level of participation in DARP, as signified below, and the increased interest rate without the DARP discount, from the date of termination to the last day of the month in which my participation was terminated. If 1 am otherwise in compliance with the Program but not the requirements to receive the Enhanced DARP Rate, the Enhanced DARP Rate may be terminated but I will continue to receive the benefit of the DARP Discount Rate. I acknowledge that the termination of the DARP Discount Rate or Enhanced DARP Rate and restoration of the Note rate without the DARP discount does not constitute a penalty or default rate of interest. If I am in default of the terms of the Note and/or Security Instrument for thirty (30) days or more and the Lender terminates my participation in DARP, if my Note and/or Security Instrument have a default rate feature the default rate will be calculated without consideration of the interest rate discount provided by DARP. Before terminating my participation in DARP the Lender may provide me with written notice telling me why my participation is being terminated and offering me a period to cure my failure to comply with DARP and/or other default, Page 1 of 3 EDARP Rider (ISyrs) FIRST CENTRAL SAVINGS BANK 8/22