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202604467 Loan Number: 3588520132 MULTISTATE FHA ADJUSTABLE RATE RIDER FHA CASE NO. 321-4139811 THIS ADJUSTABLE RATE RIDER is made this 10th day of July 2026 and is incorporated into and amends and supplements 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 Adjustable Rate Note (the "Note") to Rocket Mortgage, LLC (the "Lender") of the same date and covering the property described in the Security Instrument and located at: 2417 W Division St, Grand Island, Nebraska 68803-5336 [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 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 interest and a portion of the principal ("Monthly Payment") and an initial interest rate of 5.250 %. 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 first day of October, 2031 , and on the first day of the month 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. The Index is currently published by the Federal Reserve Board. 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 Index is less than zero, then the Current Index will be deemed to be zero for purposes of calculating my interest rate. If the Index is no longer available, it will be replaced in accordance with Section 4(G) below. MULTISTATE FHA ADJUSTABLE RATE RIDER FHAAN.RDR 01/24/23 Page 1 of 3 *. DocMagic i piyagERIN Q20358852013200000000470854eb990-fdcb-4e4c-9555- 4aa8e668d340103