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200411208 FIXED /ADJUSTABLE RATE RIDER (One -Year Treasury Index —Rate Caps) Hadenfeldt loan #: 5PT41009 THIS FIXED /ADJUSTABLE RATE RIDER is made this 17th day of November, 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 FIVE POINTS BANK ( "Lender ") of the same date and covering the property described in the Security Instrument and located at: 4311 Michigan Ave 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 LIMITS THE AMOUNT BORROWER'S ADJUSTABLE INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE 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. ADJUSTABLE RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial fixed interest rate of 4.875 %. 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 December, 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— ONE -YEAR TREASURY INDEX — Single Family— Fannie Mae Uniform Instrument ln R wTx ii /a /zoo3 (Page 1 of4) Form 31821/01