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200211248 240809432 ADJUSTABLE RATE RIDER (LIBOR 6 Month Index (As Published In The Wall Street Journal) - Rate Caps) THIS ADJUSTABLE RATE RIDER is made this 15th day of OCTOBER and is ZW,%porated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument ") of the same date given by the undersigned (the "Borrower') to secure Borrowers Adjustable Rate Note (the "Note ") to CENTEX HOM EQUITY COMPANY, LLC (the "Lender') of the same date and covering the Property described in the Security Instrument and bcated at: 315 EAST 1ST STREET GRAND ISLAND, NE 68801 IPmperty Address] 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 TIME AND 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 8.990 % The Note provides for changes in the interest rate and the monthly payments, as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CHANCES (A) Change Dates The interest rate I will pay may change on the tat day of NOvEMHER 2004 and on that day every 6TH 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 6 month U.S. dollar - denominated deposits in the London market ( "LIBOR "), as published in The Wall Street Jourrwl. The most recent Index figure available as of die first Muhislale Ad astable Rare Rider - LIBOR 6 Monty apex Mudrfies1838� (91n5) / FNMA 3138 (6/94) iJs CE838UI (031098) Page 1 af3