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200300602 609675996 ADJUSTABLE RATE RIDER (3 Year Treasury Index —Rate Caps) THIS ADJUSTABLE RATE RIDER is made this 07TH day of JANUARY , 2003 , 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 ROCKY MOUNTAIN MU'T'UAL MORTGAGE, INC. (the "Lender ") of the same date and covering the property described in the Security Instrument and located at 1407 NORTH PARK AVENUE, GRAND ISLAND, NEBRASKA 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 4.75000 %. The Note provides for changes in the interest rate and the monody payments as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Chang. Dates The interest rate I will pay may change on the first day of FEBRUARY, 2006 and on that day every 36'" month thereafter. Each date on which my interest rate could change is called a "Change Date" HD 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 three years, as made available by the Federal Reserve Board. The most recent Index' figure available as ofthe date 45 days before cacti Change Date is called the "Current Index." It the Index is no longer available, the Note Holder will choose a new index which is based upon comparable info rnation The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note holder will calculate my new interest rate by adding TWO AND 750 /1000 percentage points ( 2.75000 %) to the Qlrient Index. The Note Holder will then round the result of this addition to the nearest one - eighth of one percentage point (0.125 %). Subject to the limits stated in Section 4(D) below, this rounded amount will be my now interest late until the next Change Date. MUL 1'ISTATE ABA (STABLE RATER] DER 3 YEAR ARM - Sinple Fzoaly-Fanniil M.eT...4die Mail UNIFORM INSTRUMENT RD17 -05101 (P., 1) Forn13114 1 /01