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8529178 IRMR -4419 200101845 IMPROVING RATE RIDER THIS IMPROVING RATE RIDER is made this MARCH 06, 2 0 01 , 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 Improving Rate Note (the "Note ") to WELLS FARGO HOME MORTGAGE, INC. (the "Lender ") of the same date and covering the property described in the Security Instrument and located at: 504 S GUNBARREL ROAD, GRAND ISLAND, NE 68801 ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: RESET INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial interest rate of 7.500 %. The Note provides for changes in the interest rate and the monthly payments, as follows: (A) Change Dates The initial fixed interest rate I will pay may decrease (reset) on the first day of OCTOBER 2001 and on that day every 6th month thereafter. Each date on which my interest rate could change is called a "Change Date ". (B) The Index The "Index" is the Freddie Mac posted yields on 30 -year mortgage commitments for delivery within 60 days on standard conventional fixed -rate mortgages. The most recent figure available as of the date 45 days before each Change Date is called the "Current Index ". If the Index is no longer available. the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding .500 % percentage point(s) to the Current Index. Unless the result of this addition is evenly divisible by one - eighth of one percentage point (0.125 %), the Note Holder will then round the result of this addition up to the nearest one - eighth of one percentage point (0.125 %). If the result of this calculation results in a new interest rate that is less than one - quarter percentage point (0.250 %) lower than the current interest rate, the current interest rate will not be reset. If the result of this calculation results in a new interest rate that is one - quarter percentage point (0.250 %) or more lower that the current interest rate, and subject to the limits stated in Section (D) below, this amount will be my new interest rate until the next Change Date. NMFL #4419 04/00 Page 1 of 2