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200102475 ADJUSTABLE RATE RIDER 3/1 YEAR ARM OWS931882 (One Year Treasury Index - Rate Caps) THIS ADJUSTABLE RATE RIDER is made this 19th day of MARCH, 2001 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 WELLS FARGO,HOME MORTGAGE,, INC :...................... ............................... ...........................(the "Lender ") .............. of the same date and coveringg the pprropperty described in the Security Instrument and located at: ,1711,N CUSIER AVE. NE„ 66803 ............................................................ ............................... .... .... .... ...... (Property Address) THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LMTS THE AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE 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 ..9AK.., %. 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 APRIL, 2004,,,,,,,,,,,, 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 fast Change Date, my interest rate will be based on an Index. 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 Federal Reserve Board. The most recent Index 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 which is based upon comparable information. The Note Holder will give me notice of this choice. RIDER - ARM31 Form 3111 1/01 ECO21L Rev. 11/15/00 (page f of 3 pages)