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200404'731 ADJUSTABLE RATE RIDER (1 Year Treasury Index -- Rate Caps) Clemens Loan #: 5PT40312 THIS ADJUSTABLE RATE RIDER is made this 6th day of May, 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 (the "Borrower ") to secure Borrower's Adjustable Rate Note (the "Note ") to FIVE POINTS BANK (the "Lender ") of the same date and covering the property described in the Security Instrument and located at: 4135 Driftwood Dr, Grand Island, NE 68803 [Property Address] THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS 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 3.375 %. 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 June, 2007 and on that day every 12 month(s) thereafter. Each date on which my interest rate could change is called a "Change Date." (B) The Index Beginning with the first 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." MULTISTATE ADJUSTABLE RATE RIDER - -ARM 4- 2/5- 2/6 -2 -- Single Family -- Fannie Mae/Freddie Mae UNIFORM INSTRUMENT DocUARCI (page 1 of3pages) Form 31111 /0] DOCUARCI.VTX 12/01/2003