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TO BE <br />L <br />200406901 VYITH MORTrGAGE <br />ADJUSTABLE RATE RIDER <br />(LIBOR One -Year Index (As Published In The Wall Street Journal) - Rate Caps) <br />THIS ADJUSTABLE RATE RIDER is made this 8th day of July, 2004 , <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, <br />or Security Deed (the "Security Instrument ") of the same date given by the undersigned (the "Borrower ") <br />to secure Borrower's Adjustable Rate Note (the "Note ") to Commercial Federal Bank, a FSB <br />(the "Lender ") of the same date and covering the property described in the Security Instrument and located <br />at: <br />405 S MADISON ST, Grand Island, NE 68803 <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 5. 625 %. 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 interest rate I will pay may change on the first day of August, 2007 <br />and on that day every 12th month thereafter. Each date on which my interest rate could change is called a <br />"Change Date." <br />18131426 18131426 <br />MULTISTATE ADJUSTABLE RATE RIDER - WSJ One -Year LIBOR - Single Family- Fannie Mae <br />UNIFORM INSTRUMENT <br />(M-166R (0109).01 Form 3189 6 1 <br />M <br />Page 1 of 4 Initials: <br />VMP MORTGAGE FORMS - (800)521 -7291 <br />I <br />