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200403102 <br />Loan Number 2280040311690 <br />FLOOR RATE RIDER TO SECURITY INSTRUMENT <br />(For 6 -Month LIBOR, 2 -Year LIBOR, and 3 -Year LIBOR ARM Loan Program Disclosures) <br />THIS FLOOR RATE RIDER is made this 26TH day of MARCH, 2004, and is incorporated into and shall <br />be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security <br />Instrument ") of the same date given by the undersigned (the "Borrower ") to Decision One Mortgage <br />Company, LLC (the "Lender ") of the same date and covering the property described in the Security <br />Instrument and located at: <br />3024 MIDWAY ROAD, GRAND ISLAND, NEBRASKA 68803 <br />[Property Address] <br />AMENDMENT TO SECURITY INSTRUMENT <br />1. Section 4.(D) under Additional Covenant A. of the Adjustable Rate Rider to the Security Instrument is <br />amended to read and be as follows: <br />(D) Limits on Interest Rate Changes <br />The interest rate I am required to pay at the first Change Date will not be greater than 10.60% or less <br />than 7.60 %. Thereafter, my interest rate will never be increased or decreased on any single Change Date <br />by more than one percentage point (1.00%) from the rate of interest I have been paying for the preceding <br />six months. My yearly interest rate will never be greater than a maximum rate of 13.60 %, or a <br />minimum, or floor, rate of 7.60 %. <br />2. In the event that the Note is ever sold, assigned or transferred to the Federal National Mortgage <br />Association or the Federal Home Loan Mortgage Corporation, this Floor Rate Rider and expressly its <br />amended provisions with respect to establishing a minimum, or floor rate, shall thereupon terminate and <br />shall be of no further force and effect. Any such termination of this Floor Rate Rider shall be effective as <br />of the first Change Date to occur after the date of any such sale, assignment or transfer, and thereupon <br />and thereafter the Note shall be in full force and effect in accordance with its original terms as set out in <br />Section 4. (D) of the Note as if this Floor Rate Rider had never been incorporated into or amended the <br />Adjustable Rate Rider to the Security Instrument. <br />BY SIGNING BELOW, Borrower acknowledges and agrees to the terms contained in this Floor Rate Rider. <br />AA-0_ A6 - <br />(Seal) <br />ROBERT A. BRUMMUND <br />- Borrower <br />-:4�6d, <br />(Seal) <br />KANDY k. BRUMMUND <br />- Borrower <br />_(Seal) <br />- Borrower <br />