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200512469 FIXED/ADJUSTABLE RATE RIDER 511 YEAR FIXED/ARM 0149447112 (One Year Treasury Index - Rate Caps) THIS FIXED /ADJUSTABLE RATE RIDER is made this 19th day of DECEMBER, 2005,,,,,,,,,,,,,,,, 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 ............... ............................... ............ WELLS FARGO BANK N.A. .............................. ........................I...... ("Lender") ......................... of the same date and covering the property described in the Security Instrument and located at:.......... 324 REDWOOD ROAD GRAND ISLAND,. NE .6..8.8..0.3 .. ......................... ............................... ........................... .......a....................... (Property Address) THE NOTE PROVIDES FOR A CHANGE IN THE BORROWER'S FIXED INTEREST RATE TO AN ADJUSTABLE INTEREST RATE. TIIE NOTE LIMITS THE AMOUNT BORROWER'S ADJUSTABLE 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. ADJUSTABLE RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial fixed interest rate of ..5;250 %. The Note also provides for a change in the initial fixed interest 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 JANUARY,,2011 ....... .. , 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." (B) The Index Beginning with the first Change Date, my adjustable interest rate will be based on an Index. The "Index" is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Federal Reserve Board. The most recent Index figure available as of the date 45 days before each Change Date is called the "Current index." If the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. MULTISTATE FIXED /ADJUSTABLE RATE RIDER - 1 YEAR TREASURY INDEX Form 3182 1/01 EC113L Rev.11 /21/00 Single Family - Fannie Mae Uniform Instrument (page 1 o/4 pages) W