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200506859 Loan Number 423013 FLOOR RATE RIDER RIDER TO DEED OF TRUST THIS FLOOR RATE RIDER is made this 19TH day of JULY, 2005, and is incorporated into and shall be deemed to amend and supplement the Adjustable Rate Note (the "Note ") of the same date made by the undersigned (the "Borrower ") to SEBRING CAPITAL PARTNERS, LIMITED PARTNERSHIP (the "Lender ") and to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument ") of the same date given by the Borrower to secure the Note, including any Adjustable Rate Rider attached thereto, and covering the property described in the Security Instrument and located at: 916 E. 13TH STREET GRAND ISLAND NEBRASKA 68801 [Property Address] AMENDMENT TO NOTE AND SECURITY INSTRUMENT 1. Section 4.(D) of the Note and the corresponding Section 4.(D) under Additional Covenant A. of the Adjustable Rate Rider to the Security Instrument is amended to read and be as follows: (D) Limits on Interest Rate Changes The interest rate I am required to pay at the first Change Date will not be greater than 11.260% or less than 8.260 %. Thereafter, my interest rate will never be increased or decreased on any single Change Date by more than ONE AND ONE -HALF ( 1.500 %) from the rate of interest I have been paying for the preceding six months. My yearly interest rate will never be greater than a maximum rate of 15.260 %, or a minimum, or floor, rate of 8.260 %. 2. The disclosure appearing in bold type face on page 1. of the Note is amended to read and be as follows: THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY INTEREST RATE AND MY MONTHLY PAYMENT. THIS NOTE LIMITS THE AMOUNT MY INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE AND THE MINIMUM, OR FLOOR, RATE I MUST PAY. 3. In the event that the Note is ever sold, assigned or transferred to the Federal National Mortgage Association or the Federal Home Loan Mortgage Corporation, and the rules and regulations of the applicable agency do not permit a Floor Rate Rider with the terms contained herein, then this Floor Rate Rider and expressly its amended provisions with respect to establishing a minimum, or floor rate, shall thereupon terminate and shall be of no further force and effect. Any such termination of this Floor Rate Rider shall be effective as of the first Change Date to occur after the date of any such sale, assignment or transfer, and thereupon and thereafter the Note shall be in full force and effect in accordance with its original terms as set out in Section 4. (D) of the Note as if this Floor Rate Rider had never been incorporated into or amended the Note. IIIIIII III III III IIIII IIIII 11111 IIIII IIIII 1111 II 1 III 11111 IIIII IIIII IIII II 1 III IIIII 11111 IIII II 1 III IIIII IIIII IIII II 1 IIII IIIIII IIIII II IN G + 4 2 3 0 1 3 + 1 0 0 1 + 0 0 1 + 0 2 2+ F R R