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200302252 Loan Number: 1000172287 FIXED /ADJUSTABLE RATE RIDER (One -Year Treasury Index - Rate Caps) THIS FIXED /ADJUSTABLE RATE RIDER is made this 201:111-y of NOVEMBER 2002 , 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 HEARTLAND MORTGAGE CORP, A NEBRASKA CORPORATION ('Lender") of the same date and covering the property described in the Security Instrument and located at 2906 HANCOCK PLACE, GRAND ISLAND, NEBRASKA 68803 [Property Addressl 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 A'FANY ONE TIME AND TIIE 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 '[he Nate provides for an initial fixed interest rate of S .250 %- The Note also provides for a change in the initial tixcd 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 one on the 1ST day of DECEMBER, 2007 , and the adjustable interest rate I will pay may change on that day every 121h month thereafter. The date on which my initial fixed interest Talc changes to an adjustable interest rate, and each date on which my adjustable interest rate could change, is called a "Change Dale." (B) Thelndex Beginning with the first Change Dale, my adjustable interest rate will be based on an Index. The "Index" is the weekly average yield on United Stales 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 dale 45 days before each Change Date is called the "Current Index." If the Index is no longer available, the Note I{older will choose a new index that is based upon comparable infornialion. The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date, die Note Holder will calculate my new interest rate by adding TWO AND 750/1000 percentage points Q,. 750 %) to the Cum:nt Index. The Note Holder will then round the result of this addition to the nearest one- eiglnh of one percentage paint (0.125 %). Subject to the limits stated in Section ED) below, this rounded amount will be my new interest rate until the next Change Date, MULTISTATE FIXED /ADJUSTABLE RATE RIDER D MI kLl 11u,5 swo sovaeel ONE -YEAR TREASURY INDEX Single Family www.docmagic.com Formic Mae MODIFIED INSTRUMENT Form 3182 1101 Page 1 of 4 a