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200211711 LOAN it 627716597 ADJUSTABLE RATE RIDER (1 Year Treasury Index —Rate Caps) THIS ADJUSTABLE RATE RIDER is made this 17TH day of OCTOBER, 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 (the "Borrower ") to secure Borrower's Adjustable Rate Note (the "Note ") to ASH AMRO MORTGAGE GROUP, INC. , A DELAWARE CORPORATION (the "Lender ") of the same date and covering the property described in the Security Instrument and located at: 4127 HARTFORD, GRAND ISLAND, HE 68803. THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNTTHE BORROWER'S INTEREST RATE CAN CHANGE ATANYONE 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 4.875%. The Note provides for changes in the interest rate and the monthly payments as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest late I will pay may change on the 1ST day of NOVEMBER, 2005 and on that day every 12th month thereafter. Each date on which my interest rate could change is called a "Change Date." (B)Thelndex 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 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 which is based upon comparable information. The Note Holderwill 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 THREE- FOURTHS percentage point(s) ( 2.75o% ) to the Current Index. The Note Holder will then round the result of this addition to the nearest ONE- EIGHTH OF ONE percentage point(s) ( 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 sufficientto repay the unpaid principal that I am expected to owe at the Change ate Initials) MULTISTATE ADJUSTABLE RATE RIDER - ARM 61 - Single Family- Fannie Mae/Frad0le Mae UNIFORM INSTRUMENT Form 31081/01 MULTISTATE ADJUSTABLE RATE RIDER -ARM 8-2 - Single Family - Fannie Mae /Freddie Mac UNIFORM INSTRUMENT Form 3111 1/01 0138e-2002Orlin. Documerda, Inc. Page 1 of 3 F31WRDU 0203