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4343930426 <br />2002116 4,� <br />ADJUSTABLE RATE RIDER <br />(LIBOR 6 Month Index (As Published In The Wall Street Journal) - Rate Caps) <br />THIS ADJUSTABLE RATE RIDER is made this twenty- fourth day of October, 2002 <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or <br />Security Deed (the "Security Instrument ") of the same date given by the undersigned ( "Borrower ") to secure <br />Borrower's Adjustable Rate Note (the "Note ") to <br />FIELDSTONE MORTGAGE COMPANY <br />( "Lender ") of the same date and covering the property described in the Security Instrument and <br />located at: <br />304 EAST 11TH STREET, GRAND ISLAND, Nebraska 68801 <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 BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE <br />TIME AND THE MAXIMUM RATE 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 8.650 %. 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 November 2004 <br />and on that day every SIXTH month thereafter. Each date on which my interest rate could change <br />is called a "Change Date." <br />MULTISTATE ADJUSTABLE RATE RIDER -LIBOR 6 MONTH INDEX (AS PUBLISHED IN THE WALL STREET <br />JOURNAL ) - Single Family- Fannie Mae Uniform Instrument <br />OM-838R (0005) Form 3138 1 /01 <br />°S. <br />Page 1 of 4 Initials: <br />VMP MORTGAGE FORMS - (800)521 -7291 <br />1I,P15 <br />