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200213163 Loan Number: 1000172287 FIXED /ADJUSTABLE RATE RIDER (One -Year Treasury Index - Rate Caps) THIS FIXED /ADJUSTABLE RATE RIDER is made this 20t1day 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 Now (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 [Phopary Add..] THENOTE PROVIDES FORA CHANGE IN BORROWER'S FIXED INTERESTRATE TO AN ADJUSTABLE INTEREST RATE. THE NOTE LIMITS THE AMOUNT BORROWER'S ADJUSTABLE INTERESTRATE 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 CHANGES (A) Change Dates The initial fixed interest ram I will pay will change to an adjustable interest rate on the 1ST day of DECEMBER, 2007 , and rite adjustable interest rate I will pay may change on that day every 12th month thereafter. The date on which my initial fixed interest rate changes to an adjustable interest ram, and each date on 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 AND 750 /1000 percentage points Q. 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. Page i of 4