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200301985 <br />ADJUSTABLE RATE RIDER 0126678313 <br />TWO YEAR / SIX MONTH ARM <br />( LIBOR InEax - Rata Caps) <br />THIS ADJUSTABLE, RATE RIDER is made this 12th day or FEBRUARV�,xoo3_ ............. and is <br />incorporated into 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 ") <br />to secure Borrower's Note to <br />........................................................................................ ............................... <br />WELLS FARGO HOME MORTGAGE, INC. .................................................................... tthe "Lender ") <br />...................... .... ... ......................... <br />of the same date and covering the property described in the Security Instrument and located at: <br />..... 61, VENU5.5T.. ALDA,. NE_ 6811111 ..................................................................................... ............................... <br />(Propee, Add,ess) <br />THE NOTE CONTAINS PROVISIONS ALLOWING FOR CIIANGES IN TIIE <br />INTRREM RATE AND THE MONTHLY PAYMENT. THE NOTE, LIMITS <br />THE AMOUNT TILE BORROWER'S INTEREST RATE CAN CIIANGE AT ANY <br />ONE TIML AND THE MAXIMUM RATE THE BORROWER MUST PAY. <br />ADDITIONAL COVENANTS. Hr addition to the covenants and agreements made in the Security <br />Instrument, Borrower :md 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 .... 895.......... %. The Note provides for changes in <br />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 1 will pay may change on the first day of MARCH, 7005,..,,,,,,,,, and on that day <br />every sixth month thereafter. Each date on which my interest rate could change is called a "Change <br />Date." <br />(B) The Index <br />Beginning with the first Change Date, my interest rate will be based on an Index. 'Ihe "Index" is <br />the average of interbank offered rates for six -month U.S. dollar- denominated deposits in the <br />London market (1.I130R), as published in 7'he Wall Street Journal. The most recent Index figure <br />available as of the first business day of the month immediately preceding the month in which the <br />Change Date occurs is called the "Current Index." <br />MULTISTATE ADJUSTABLE RATE RIDER LIBOR INDEX singla Family Fom13192 1,91 Em09L Rev. 11115N0 <br />Reddie Mac 1lnil11110 Lrslm,nuil <br />