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200302458 FIXED /ADJUSTABLE RATE RIDER (Une- Year 'Treasury Index - Rate Caps) THIS FIXED /ADJUSTABLE RATE RIDER is made this 24TH day of FEBRUARY, 2003 and is ineorpuratcd into and shall be hasone l 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 SPELLS FARGO HOME MORTGAGE, INC. ("Lender ") of the same date and covering the property described in the Security instrument and located at 2215 DEL NAE AVE, GRAND ISLAND, NE 68803 [Propeay 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 5.250 %. 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 CIIANGES (A) Change Dates 'I he initial fixed interest rate I will pay will change to an adjustable interest rate on the first day of MARCH, 2008 , and the adjustable interest rate 1 will pay may change on that day every 121h 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." 0020014734 MULTISTATE FIXED /ADJUSTABLE RATE RIDER - ONE -YEAR TREASURY INDEX- S'agle Family - Fannie Mae Uniform Instrument ®�It of 4 I000r,I Form 3182 1/01 11111111111111 I 11111111111111 Page 1 of M1 Initials: `L VMP MORTGAGE FORMS - 180015,1 -7231