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RETURN RECORDED DOC TO: <br />Finance America, LLC <br />P.O. Box 16637 <br />Irvine, Ca 92623 -6637 <br />200406489 <br />MIN 100052300404076522 <br />ADJUSTABLE RATE RIDER <br />(LIBOR Index - Rate Caps) <br />THIS ADJUSTABLERATERIDERis madethis 25th day of JUNE , 2004 , and <br />is incorporatedinto and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Deed <br />to Secure Debt (the "Security Instrument ") of the same date given by the undersigned (the "Borrower ") to <br />secure Borrower's Note to <br />Finance America, LLC <br />(the "Lender ") of the same date and covering the property described in the Security Instrumentand located <br />at: <br />122 E 6TH ST, GRAND ISLAND, NE 68801 -4302 <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 THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE <br />TIME AND THE MAXIMUM RATE THE 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 9.630 %. The Note provides for <br />changes in the interest rate and the monthly payments, as follows: <br />4. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />(A) Change Dates <br />The interestrate I will pay may change on the first day of JULY 01, 2006 , and on that <br />day every sixth month thereafter. Each date on which my interest rate could change is called a "Change <br />Date." <br />MULTISTATE ADJUSTABLE RATE RIDER (LIBOR Index) - Single Family - Freddie Mac UNIFORM INSTRUMENT <br />(M-815R (0008) Form 3192 1/01 <br />Page 1 of 4 Initials: <br />VMP MORTGAGE FORMS - (800�21 <br />MGMW <br />