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200411288 <br />Loan Number 2280041198190 <br />ADJUSTABLE RATE RIDER <br />(LIBOR Index - Rate Caps) <br />THIS ADJUSTABLE RATE RIDER is made this 18TH day of NOVEMBER, 2004, and is incorporated <br />into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Deed to Secure Debt (the <br />"Security Instrument ") of the same date given by the undersigned (the "Borrower ") to secure the Borrower's <br />Note to DECISION ONE MORTGAGE COMPANY, LLC (the "Lender ") of the same date and covering the <br />property described in the Security Instrument and located at: <br />318 NORTH GREENWICH AVENUE GRAND ISLAND NEBRASKA 68801 <br />[Property Address] <br />THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE <br />AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE BORROWER'S <br />INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE <br />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 7.59 %. The Note provides for changes in the interest rate <br />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 18TH day of NOVEMBER, 2006, and on <br />that day every sixth month thereafter. Each date on which my interest rate could change is <br />called a "Change Date." <br />(B) The Index <br />Beginning with the first Change Date, my interest rate will be based on an Index. The <br />"Index" is the average of interbank offered rates for six-month U.S. dollar- denominated <br />deposits in the London market ( "LIBOR "), as published in The Wall Street Journal. The <br />most recent Index figure available as of the first business day of the month immediately <br />preceding the month in which the Change Date occurs is called the "Current Index." <br />If the Index is no longer available, the Note Holder will choose a new index that is based <br />upon comparable information. The Note Holder will give me notice of this choice. <br />(C) Calculation of Changes <br />Before each Change Date, the Note Holder will calculate my new interest rate by adding <br />SEVEN AND 34 /100THS percentage points (7.34 %) to the Current Index. The Note Holder <br />will then round the result of this addition to the nearest one -eighth of one percentage point <br />(0.125 %). Subject to the limits stated in Section 4(D) below, this rounded amount will be my <br />new interest rate until the next Change Date. <br />The Note Holder will then determine the amount of the monthly payment that would be <br />sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full <br />on the maturity date at my new interest rate in substantially equal payments. The result of <br />this calculation will be the new amount of my monthly payment. <br />MULTISTATE ADJUSTABLE RATE RIDER (LIBOR Index) -- Single Family — Freddie Mac MODIFIED INSTRUMENT Form 3192 1/01 (page I of 3 pages) <br />n_ � , <br />