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200405002 <br />MIN: 1001993 - 0000419734 -2 Loan Number: 00004 -19734 <br />ADJUSTABLE RATE RIDER <br />(LIBOR Six -Month Index (As Published In The Wall Street Journan <br />- Rate Caps) <br />THIS ADJUSTABLE RATE RIDER is made this 11th day of MAY, 2 0 0 4 , <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or <br />Security Deed (the "Security Instrument ") of the same date given by the undersigned ( "Borrower ") to secure <br />Borrower's Adjustable Rate Note (the "Note ") to HAMILTON MORTGAGE COMPANY, AN <br />ARIZONA CORPORATION <br />( "Lender ") of the same date and covering the property described in the Security Instrument and located at: <br />316 EAST SOUTH STREET, GRAND ISLAND, NEBRASKA 68801 <br />[Property Address] <br />THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE <br />INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE <br />AMOUNT BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND <br />THE MAXIMUM RATE BORROWER MUST PAY. <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security <br />Instrument, Borrower and Lender further covenant and agree as follows: <br />A. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />The Note provides for an initial interest rate of 7 . 0 0 0 %. The Note provides for changes <br />in the interest rate and the monthly payments, as follows: <br />4. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />(A) Change Dates <br />The interest rate I will pay may change on the 1 s t day of JUNE, 2 0 0 6 <br />and on that day every 6th month thereafter. Each date on which my interest rate could change is called <br />a "Change Date." <br />(B) The Index <br />Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the <br />average of interbank offered rates for six month U.S. dollar- denominated deposits in the London market <br />( "LIBOR "), as published in The Wall Street Journal. The most recent Index figure available as of the first <br />business day of the month immediately preceding the month in which the Change Date occurs is called the <br />"Current Index." <br />If the Index is no longer available, the Note Holder will choose a new index that is based upon <br />comparable information. The Note Holder will give me notice of this choice. <br />MULTISTATE ADJUSTABLE RATE RIDER. -LIBOR SIX -MONTH INDEX DocMag/ dM —TWV b 800-649-1362 <br />(AS PUBLISHED IN THE WALL STREETJOURNAL) www.docmagic.com <br />Single Family -- Fannie Mae MODIFIED INSTRUMENT <br />Form 3138 1/01 Page 1 of 3 <br />