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200315539 Loan Number 2280031188270 FLOOR RATE RIDER TO SECURITY INSTRUMENT (For 6 -Month LIBOR, 2 -Year LIBOR, and 3 -Year LIBOR ARM Loan Program Disclosures) THIS FLOOR RATE RIDER is made this 26TH day of NOVEMBER, 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 (the "Borrower ") to Decision One Mortgage Company, LLC (the "Lender ") of the same date and covering the property described in the Security Instrument and located at: 1108 WEST 8TH STREET, GRAND ISLAND, NEBRASKA 68801 [Property Address] AMENDMENT TO SECURITY INSTRUMENT 1. 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 12.99% or less than 9.99 %. Thereafter, my interest rate will never be increased or decreased on any single Change Date by more than one percentage point (1.00 %) 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 15.99%, or a minimum, or floor, rate of 9.99 %. 2. 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, 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 Adjustable Rate Rider to the Security Instrument. 24