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200402022 <br />FIXED /ADJUSTABLE RATE RIDER <br />(One -Year Treasury Index - Rate Caps - Fixed Rate Conversion Option) <br />THIS FIXED /ADJUSTABLE RATE RIDER is made this 23rd day of February, 2004 , <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or <br />Security Deed (the "Security Instrument ") of the same date given by the undersigned ( "Borrower ") to <br />secure Borrower's Fixed/Adjustable Rate Note (the "Note ") to United Nebraska Bank - Grand <br />Island <br />( "Lender ") of the same date and covering the property described in the Security Instrument and located at: <br />2715 Apache <br />Grand Island, NE 68801 <br />[Property Address] <br />THE NOTE PROVIDES FOR A CHANGE IN BORROWER'S FIXED INTEREST <br />RATE TO AN ADJUSTABLE INTEREST RATE. THE NOTE LIMITS THE <br />AMOUNT BORROWER'S ADJUSTABLE INTEREST RATE CAN CHANGE AT <br />ANY ONE TIME AND THE MAXIMUM RATE BORROWER MUST PAY. THE <br />NOTE ALSO CONTAINS THE OPTION TO CONVERT THE ADJUSTABLE <br />INTEREST RATE TO A NEW FIXED RATE. <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security <br />Instrument, Borrower and Lender further covenant and agree as follows: <br />A. ADJUSTABLE RATE AND MONTHLY PAYMENT CHANGES <br />The Note provides for an initial fixed interest rate of 4.250 %. The Note also <br />provides for a change in the initial fixed rate to an adjustable interest rate, as follows: <br />4. ADJUSTABLE INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />(A) Change Dates <br />The initial fixed interest rate I will pay will change to an adjustable interest rate on the first day of <br />March 2009 , and the adjustable interest rate I will pay may change on that <br />day every 12th month thereafter. The date on which my initial fixed interest rate changes to an adjustable <br />interest rate, and each date on which my adjustable interest rate could change, is called a "Change Date." <br />1824804 <br />MULTISTATE FIXED/ADJUSTABLE RATE RIDER - ONE -YEAR TREASURY INDEX CONVERTIBLE - Single Family - <br />Fannie Mae Uniform Instrument <br />(M-844R (0006) Form 3183 1101 <br />Page 1 of 5 Initials: <br />VMP MORTGAGE FORMS - (800)521 -7291 <br />