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200805577 FIXED/ADJUSTABLE RATE RIDER (One-Year Treasury Index - Rate Caps) THIS FIXED/ADJUSTABLE RATE RDER is made this 26th day of June, 2008 , 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 (" Borrowe r") to secure Borrowe r's Fixed/ Adjus table Rate Note (the "Note") to TierOne Bank (" Lender") of the same date and covering the property described in the Security Instrument and located at: WHITE CLOUD & MCGUIRE RD CAIRO, NE 68824 [Property Address] THE NOTE PROVIDES FOR A CHANGE IN BORRONER'S FIXED INTEREST RATE TO AN ADJUSTABLE INTEREST RATE. THE NOTE UMITS THE AMOUNT BORRONER'S ADJUSTABLE INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE BCRRONER MUST PAY. ADDITIONAL COVENANTS. In addit ion 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 init ial fixed interest rate of 5.250 %. 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) Chmge Dates The initial fixed interest rate I will pay will change to an adjustable interest rate on the first day of June 2013 , and the adjustable interest rate I will pa y may change on that day every 12t h mont h thereafter. The date on whic h my init ial fixed interest rate changes to an adjustable interest rate, and each date on whi ch my adjustable interest rate could change, is called a "Change Date." (B) The Index Beginning wi th 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." 0110280964 MULTISTATE FIXED/ADJUSTABLE RATE RIDER - ONE-YEAR TREASURY INDEX - Single Family - Fmnie Mae Unifonn Instrument FORn 3182 1 /01 Wolters Kluwe r Financial Services VM P@-843R (0405).01 /'tz Page 1 of 4 Initials: or tl ~.