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200213863 <br />WHEN RECORDED MAIL TO <br />MORTGAGE EXPRESS, INC., D /B/A Fundament Landing OR <br />801 N. Cass Ave. Suite 204 <br />Westmont, IL 60559 <br />ADJUSTABLE RATE RIDER <br />(LIBOR Six -Month Index (As Posted By Fannie Mae) - Rate Caps) <br />LOAN NO.: F02015448.1 <br />THIS ADJUSTABLE RATE RIDER is made this 11TH day of DECEMBER, 2002 , <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or <br />Security Deed (the "Security Instrument') of the same date given by the undersigned ( "Burrower') to <br />secure Borrower's Adjustable Rate Note (the "Note ") to <br />MORTGAGE EXPRESS, INC. <br />CORPORATION <br />( "Lender ") of the same date and covering the property described in the Security Instrument and located <br />at:. 3205 EAST SEEDLING MILE RD. <br />GRAND ISLAND, NE 68801 <br />[Roomy Address <br />THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST <br />RATE AND THE MONTHLY PAYMENT. THE NOTE UMITS THE AMOUNT <br />BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE <br />MAXIMUM RATE BORROWER MUST PAY. <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security <br />Instrument, Borrower and Lender further covenant and agree as follows: <br />A. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />The Note provides for an initial interest rate of 7.650 The Note provides for changes in <br />the interest rate and the monthly payments, m follows: <br />MULTISTATE ADJUSTABLE RATE RIDER - 11808 SIX -MONTH INDEX - Single Family - FNMA UnRorm Instrument <br />Form 3136 1101 <br />Ilex Forme Irc, 10 001 4463555 <br />UR#FNMN31361101 Page of Initials: <br />