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200404227 FIXED /ADJUSTABLE RATE RIDER (LIBOR One -Year Index (As Published In The Wall Street Journal)-Rate Caps) THIS FIXED /ADJUSTABLE RATE RIDER is made this 23RDday of APRIL, 2004 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 ( "Borrower ") to secure Borrower's Fixed/Adjustable Rate Note (the "Note ") to CHERRY CREEK MORTGAGE CO., INC. ( "Lender ") of the same date and covering the property described in the Security Instrument and located at: 4230 MICHIGAN AVENUE GRAND ISLAND, NE 68803 [Property Address] THE NOTE PROVIDES FOR A CHANGE IN BORROWER'S FIXED INTEREST RATE TO AN ADJUSTABLE INTEREST RATE. THE NOTE LIlV M THE AMOUNT BORROWER'S ADJUSTABLE INTEREST RATE CAN CHANGE AT ANY ONE TE%IE AND THE MAXIMUM RATE BORROWER MUST PAY. ADDMONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. ADJUSTABLE RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial fixed interest rate of 6.000 %. The Note also provides for a change in the initial fixed rate to an adjustable interest rate, as follows: 4. ADJUSTABLE INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The initial fixed interest rate I will pay will change to an adjustable interest rate on the first day of MAY 1, 2009 , and the adjustable interest rate I will pay may change on that day every 12th month thereafter. The date on which my initial fixed interest rate changes to an adjustable interest rate, and each date on which my adjustable interest rate could change, is called a "Change Date." MULTISTATE FIXED /ADJUSTABLE RATE RIDER —WSJ One -Year LIBCRtngle Family— Fannie Mae Uniform Instrument Form 3187 6101 DOCUAQ71 Page 1 of 4 D0CUAQ7I.VTX 08/20/2001