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200311790 FIXED /ADJUSTABLE RATE RIDER (One -Year Treasury Index - Rate Caps) THIS FI3CED /ADJUSTABLE RATE RIDER is made this 4th day of September, 2003 , 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 Note (the "Note ") to Commercial Federal Bank, a FSB ( "Lender ") of the same date and covering the property described in the Security Instrument and located at: 223 E 22ND ST Grand Island, NE 68801 [Property Address] THE NOTE PROVIDES FOR A CHANGE IN BORROWER'S FIXED INTEREST RATE TO AN ADJUSTABLE INTEREST RATE. THE NOTE LIMITS THE AMOUNT BORROWER'S ADJUSTABLE INTEREST RATE CAN CHANGE AT ANYONE 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 5.125 %. 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 rate I will pay will change to an adjustable interest rate on the first day of October, 2010 , and the 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 rate, and each date on which my adjustable interest rate could change, is called a "Change Date." 17884305 MULTISTATE FIXEDIADJUSTABLE RATE RIDER - ONE -YEAR TREASURY INDEX- Single Family - Fannie Mae Uniform Instrument Cke843R (0006).01 Form 3 ; i�t,�j1 Page 1 of 4 Initials��"' VMP MORTGAGE FORMS - (800)521 -7291 17884305