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200102851 This Rider Amends The Disclosure Statement, Note and Security Agreement Entered Into On Date Below Agreed Rate Reduction Rider* Borrower(s) (Name and mailing address) Lender (Name, address, city and state) Account No. JEFFRY JAMES CZAPLEWSKI CITIFINANCIAL, INC. (MD) 203752 MARY E CZAPLEWSKI Date of Loan 410 W STATE STREET 3415 WEST STATE STREET GRAND ISLAND NE 68801 GRAND ISLAND NE 68803 03/30/2001 On Time If the proceeds of this loan are used to refinance an existing Freedom Loan, then the number of "On -Time Payments and Payments" made toward the rate reduction you were currently working toward on your prior loan will be carried Initial Rate forward and considered for purposes of determining the timing of a rate reduction on this loan. The amount of Reduction the rate reduction will continue to be the amount you were currently working toward on the prior loan, i.e.: * .50 % after the first 12 consecutive On -Time Payments; * .75 % if an additional 12 consecutive On -Time Payments are made; * 1.00% if an additional 12 consecutive On -Time Payments are made; * 1.00% if an additional 12 consecutive On -Time Payments are made. A payment is an "On -Time Payment" if it is made between its due date and the day prior to the next payment's scheduled due date. Limitations and Your Agreed Rate of Interest will never be reduced more than three and one - fourths (3.25%) percentage points Minimum Rate over the life of the loan. All rate reductions made pursuant to this Rider are subject to a minimum rate requirement of the highest Prime Rate as disclosed in the Money Rates section of The Wall Street Journal on the effective date of your rate reduction as described in this Rider, plus one percentage point (1.00 %). Effective Date of If you are entitled to a reduction in your Agreed Rate of Interest pursuant to this Rider, the reduction will be Rate and Payment effective the day after the scheduled due date of the payment that qualifies you for the rate reduction. The Change monthly payment amount will likewise be modified, effective on the first monthly payment due date after the rate reduction is effective. The modification of the monthly payment amount will be based on the scheduled loan balance. However, if you prepay your account in full during the month in which the rate reduction is to occur, there will be no rate reduction. If you pay off an existing loan that is in our rate reduction program with the proceeds of this loan, then the number of On Time Payments made toward any prospective rate reduction on the prior loan will be carried forward and considered for purposes of determining the timing of the first potential rate reduction on this loan; however, the amount of the first potential rate reduction on this loan will be that stated in Paragraph One above. i wwnalw F1 Borrower Date -m C(,L,4a_c6J", � Co- MARjr E ZAPL SKI Date D 1 D *The Agreed Rate Reduction Rider and the rate reduction program it discusses does not apply to Equity Plus, variable rate or adjustable rate loans, to open -end (revolving) loans, nor to loans made to finance the purchase of real property from Lender. (RBO) 21102 -2 3/2001 original (Branch) Copy (Customer)