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200410883 ADJUSTABLE RATE RIDER THIS ADJUSTABLE RATE RIDER is made on ..... 1.0 / 25 /.04........... 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 Wells Fargo Financial Nebraska, Inc. (the "Lender ") of the same date and covering the property described in the Security Instrument and located at: ........................... 4167 REDWOOD. COURT:. GRAND. ISLAND, .NE 68803 [Property Address] NOTICE: THE SECURITY INSTRUMENT SECURES A NOTE WHICH CONTAINS A PROVISION ALLOWING FOR CHANGES IN THE INTEREST RATE. INCREASES IN THE INTEREST RATE WILL RESULT IN HIGHER PAYMENTS. DECREASES IN THE INTEREST RATE WILL RESULT IN LOWER PAYMENTS. THE NOTE LIMITS THE AMOUNT MY INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE I 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: 2. INTEREST RATE AND PERIODIC PAYMENT CHANGES The Note provides for an initial interest rate of 7: 98 %. The Note provides for changes in the interest rate and the payments, as follows: 3. PAYMENTS (A) Scheduled Payments I will pay principal and interest by making payments when scheduled. I will make my scheduled payments each month beginning on 11/29/04 ..................... (B) Maturity Date and Place of Payments I will make these payments as scheduled until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. My scheduled payments will be applied to interest before principal. If, on 10/29/34 .............. , I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "maturity date." I will make my scheduled payments at 2319 NORTH WEBB ROAD ........................... ............................... GRAND. ISLAND, .NE.... 68803 ............ . ..... . . .... or at a different place if required by the Note Holder. (C) Amount of My Initial Scheduled Payments Each of my initial scheduled payments will be in the amount of U.S. $ 1.387.00........ This amount may change. (D) Scheduled Payment Changes Changes in my scheduled payments will reflect changes in the unpaid principal of my loan and in the interest rate that I must pay. The Note Holder will determine my new interest rate and the changed amount of my scheduled payment in accordance with Section 4 of this Note. (E) Late Charge If the Note Holder has not received the full amount of any monthly payment by the end of 10 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5 % of the full amount of my payment of principal and interest. I will pay this late charge promptly but only once on each late payment. 4. INTEREST RATE AND SCHEDULED PAYMENT CHANGES (A) Change Dates Each date on which my interest rate could change is called a "Change Date." The interest rate I will pay may change on 10/29 * 1 07 .... and on every sixth month anniversary date thereafter that is before the maturity date. There will be no Chage Dates on or after the maturity date. the interest rate in effect on the maturity date will remain in effect after the maturity date until the full amount of principal has been paid. (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the highest "Prime Rate" as published by the The Wall Street Journal. NE- 2040 -0404 Page 1 of 2