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200205395 LOAN #: A0333651 ADJUSTABLE RATE RIDER (LIBOR Index - Rate Caps) THIS ADJUSTABLE RATE RIDER is made this 21sT day of MARCH, 2002, and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Deed to Secure Debt (the "Security Instrument ") of the same date given by the undersigned (the "Borrower ") to secure the Borrower's Note to E -LOAN, INC. , A DELAWARE CORPORATION (the "Lender ") of the same date and covering the property described in the Security Instrument and located at 205 Westernburg Doniphan, HE 68832 THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIMEAND THE MAXIMUM RATE THE BORROWER MUST PAY. ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial interest rate of 7.625 %. The Note provides for changes in the interest rate and the monthly payments, as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the 1sT day of APRIL, 2005, and on that day every sixth month thereafter. Each date on which my interest rate could change is called a "Change Date." (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the average of interbank offered rates for six -month U.S. dollar- denominated deposits in the London market ( "LIBOR "), as published in The Wall Street Journal. The most recent Index figure available as ofthe firstbusiness day ofthe month immediately preceding the month in which the Change Date occurs is called the "Current Index " If the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. (C)Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding SIX AND THREE - FOURTHS percentage point(S) ( 6.750% ) to the Current Index. The Note Holder will then round the result of this addition to the nearest one - eighth of one MULTISTATE ADJUSTABLE RATE RIDER (LIBOR Index) -- Single Family.- Freddie \Inc UNIFORM INSTRUMENT Form 3192 vnl Page I of 3 F3192RDU 0010 03 -21 -2002 12:07