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200315376 ADJUSTABLE RATE RIDER 0133560284 TWO YEAR / SIX MONTH ARM ( LIBOR Index - Rate Caps) THIS ADJUSTABLE RATE RIDER is made this 21st day of NOVEMBERS 2003 ............. and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Deed to Secure Debt (the 'Security Instrument') of the same date given by the undersigned (the 'Borrower' to secure Borrower's Note to ........................................................................................ ............................... WELLS FARGO HOME MORTGAGE, INC. ........(the "Lender .. . ...... ................................................................... ............................... of the same date and covering the property described in the Security Instrument and located at: 1,18 EAST 9TH STREET, 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 .... Ag6 .,,,,,,,,, %. 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 DECEMBER,.2a05..... and on that day every sixth month thereafter. Each date on which my interest rate could change is called a 'Change Date." (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index' is the average of interbank offered rates for six -month U.S. dollar - denominated deposits in the London market ('LIBOR'), as published in The Wall Street Journal. The most recent Index figure available as of the first business day of the month immediately preceding the month in which the Change Date occurs is called the 'Current Index." MULTISTATE ADJUSTABLE RATE RIDER - LIBOR INDEX - Single Family Form 3192 1/01 EC10BL Rev. 11/15/00 Freddie Mac Uniform Instrument