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200502590 ADJUSTABLE RATE RIDER (b -Month LIBOR Index - Rate Caps) (Assumable during Life of Loan) (First Business Day of Preceding Month Lookback) THIS ADJUSTABLE RATE RIDER is made this 18TH day of MARCH, 2005 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 the Borrower's Adjustable Rate Note (the "Note ") to HOMECOMINGS FINANCIAL NETWORK INC. (the "Lender ") of the same date and covering the property described in the Security Instrument and located at: 808 WEST CHARLES GRAND ISLAND, NE 68801 [Property Address] THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE 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 8.1250 %. 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 rate I will pay may change on the first day of APRIL, 2007 and may change on that day every sixth month thereafter. Each date on which my interest rate could change is called a "Change Date." MULTISTATE ADJUSTABLE RATE RIDER 6-Month LIBOR Index (Assumable during Life of Loan) (First Business Day Lookback) - Single Family - Freddie Mac UNIFORM INSTRUMENT M -81511 (0405) Form 5120 3/04 9 (45 Page 1 of 4 Initials: S�,b VMP Mortgage Solutions I IIIIIIIIIIIIIIII IIIIIIIIIIIIII III (800)521 -7291 MFCD9153 - (07/2004) / 042 - 295781 -1