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200709636 ADJUSTABLE RATE RIDER THIS ADJUSTABLE RATE RIDER is made on 10/31/07 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 secure Borrower's Adjustable Rate Note (the "Note") to Wells Fargo Financial Nebraska, Inc. (the "Lender") of the same date and covering the property described in the Security Instrument and located at: __________ 4170 ALLEN AVENUE.. n.__..._..'._u_ _________ GRAND IS_~A.~D, NE 68803 [Property Address] NOTICE: THE SECURITY INSTRUMENT SECURES A NOTE WHICH CONTAINS A PROVISION ALLOWING FOR CHANGES IN THE INTEREST RATE. INCREASES IN THE INTEREST RATE WILL RESULT IN HIGHER PAYMENTS. DECREASES IN THE INTEREST RATE WILL RESULT IN LOWER PAYMENTS. THE NOTE LIMITS THE AMOUNT MY INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM AND MINIMUM RATE I MUST PAY. ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower (hereinafter "I," and "me") and Lender (hereinafter "Note Holder") further covenant and agree as follows: 1. INTEREST RATE AND PERIODIC PAYMENT CHANGES The Note provides for an initial interest rate as well as for changes in the interest rate and the payments. 2. PAYMENTS (A) Scheduled Payments I will pay principal and interest by making payments when scheduled. I will make my scheduled payments each month as required under the Note. (B) Maturity Date and Place of Payments I will make these payments as scheduled until I have paid all of the principal and interest and any other charges described below that I may owe under the Note. My scheduled payments will be applied to interest bcfore principal. If, on the Maturity Date set forth in the Note I still owe amounts under the Note, I will pay those amounts in full on the "maturity date." I will make my scheduled payments at or to the place(s) specified by the Note, or at a different place if required by the Note Holder. (C) Amount of My Initial Scheduled Payments Each of my initial scheduled payments will be in the amount as specified in the Note. This amount may change as provided in the Note. (D) Scheduled Payment Changes Changes in my scheduled payments will reflect changes in the unpaid principal of my loan and in the interest rate that I must pay. The Note Holder will determine my new interest rate and the changed amount of my scheduled payment in accordance with the Note. (E) Late Charge If the Note Holder has not received the full amount of any monthly payment by the end of the grace period specified in the Note, I will pay a late charge to the Note Holder as provided in the Note. I Page 1 of 3 NE-2040-1206