An algebraic argument based on a series of generalized Dirac equations, tru
ncated by an "intrinsic Pauli principle", shows that there should exist two
sterile neutrinos as well as three families of leptons and quarks. Then, t
he influence of these additional neutrinos on neutrino oscillations is stud
ied. As an example, a specific model of effective five-neutrino texture is
proposed, where only the nearest neighbours in the sequence of five neutrin
os ordered as nu (s), nu (s)', nu (s)', nu (mu), nu (tau) are coupled throu
gh the 5 x 5 mass matrix. Its diagonal elements are taken as negligible in
comparison with its nonzero off-diagonal entries.