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JUL -30 -2003 WED 04:16 PM <br />FAX N0, 333 P. 32 <br />16631ou8 <br />FIXED /ADJUSTABLE RATE RIDER <br />(One -Year Treasury Index - Rate Caps) <br />TIIIS FIXED /ADJUSTABLE RATE RIDER is made this 30TH day of oMr, 2003 <br />anti is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or <br />Security Deed (t11e "Security Instrument ") of tic same date given by the undersigned ( "Borrower ") to <br />secure Borrower's Fixed /Adjustable Rate Note (the "Note ") to <br />WELLS FARGO HOME MORTGAGE, INC. <br />( "Lender ") of the same date and covering the property described in the Security Instrument and located at: <br />2608 COCRIN, GVAM ISLAND, N9 68801 <br />[Propnrry Addressl <br />THE NOTE PROVIDES FOR A CHANGE IN BORROWER'S FIXED INTEREST <br />RATE TO AN ADJUSTABLE INTEREST RATE. THE NOTE LIMITS THE <br />AMOUNT BORROWER'S ADJUSTABLE INTEREST RATE CAN CHANGE AT <br />ANY ONE TIME AND THE MAXIMUM RATE BORROWER MUST PAY. <br />ADDI'T'IONAL COVENANTS. In addition to the covenants and agreements made in the Security <br />Instrument, Borrower and Lender furdler covenant and agree as follows: <br />A. ADJUS'T'ABLE RATE AND MONTHLY PAYM)ENr CHANGES <br />The Note provides for an initial fixed interest rate of 4.750 . The Note also <br />provides for a change in the initial fixed rate to an adjustable interest rate, as follows: <br />4. ADjuSTAIRLF; INTF'.RKST RATE AND MONTHLY PAYMENT CHANGES <br />(A) Change Dates <br />The itlitial fixed interest rate I will pay will change to an adjustable interest rate on Qre first day of <br />AUGUST, 2010 , and the adjustable interest rate I will pay may change on that <br />day every 12th month thereafter, The date on which my initial fixed interest rate changes to an adjustable <br />interest rate, and each date on which my adjustable, interest rate could change, is called a "Change Date." <br />0030195739 <br />MULTISTATE FIXED /ADJUSTABLE RATE RIDER - ONE -YEAH TREASURY INDEX- Single Family - <br />Fannie Mae Uniform Instrument <br />�p943R (0006) Form 3182 1101 <br />F Mrt(t+�s � i Illlllll II 111111 illl 111111 Ills IIII <br />VMP t °t 4 ln MORTGAGE FORMS • (800)521.7291 <br />Y <br />v <br />