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200201381 Loan No.: 002000208168 FIXED /ADJUSTABLE RATE RIDE (One -Year Treasury Index - Rate Caps) Nineteenth THIS FIXED /ADJUSTABLE RATE RIDER is made this Ltig1rEi"14 d of April, 2002, and is incorporated into and shall be deemed to amend and supplement the Mortgage, 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 Citibank, F.S.B. ( "Lender ") of the same date and covering the Property described in the Security Instrument and located at: 4234 Utah Ave, Grand Island, NE 68803 -1001 [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 5.875 %. The Note provides for changes 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 May, 2007, and the adjustable interest rate I will pay may change on that day every 12th month thereafter. Each date on which my adjustable interest rate could change is called a "Change Date. "which my adjustable interest rate could change, is called a "Change Date." (B) The Index Beginning with the first Change Date, my adjustable 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 one year, as made available by the Federal Reserve Board. The most recent Index figure available as of the date 45 days before each Change Date is called the "Current Index." If the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. 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 & 75/100 percentage points (2.750 %) to the Current 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 new interest rate until the next Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid Principal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. MULTISTATE FIXED /ADJUSTABLE RATE RIDER -- ONE -YEAR TREASURY INDEX -- Single Family -- Fannie Mae Uniform Instrument C3182 - 10/30/2000 [00 2000 2 0 8 1 6 81 Page 1 of 3 Form / Initial