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<br />RETURN RECORDED DOC TO: <br />Finance America, LLC <br />P.O. Box 16637 <br />Irvine, Ca 92623-6637 <br /> <br />200510550 <br /> <br />MIN 100052300422459692 <br /> <br />ADJUSTABLE RATE RIDER <br />(LIBOR Index - Rate Caps) <br /> <br />THISADJUSTABLERATERIDERis madethis 21st day of OCTOBER , 2005 , and <br />is incorporated into and shall be deemed to amend and supplementthe Mortgage, Deed of Trust, or Deed <br />to Secure Debt (the "Security Instrument") of the same date given by the undersigned (the "Borrower") to <br />secure Borrower's Note to <br />Finance America, LLC <br /> <br />(the "Lender") of the same date and covering the property describcd in the Security Instrumentand located <br />at: <br /> <br />105 VILLA MAR DEE AVENUE, GRAND ISLAND, NE 68801-8361 <br />[Property Address] <br /> <br />THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE <br />INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE <br />AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE <br />TIME AND THE MAXIMUM RATE THE BORROWER MUST PAY. <br /> <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 /> <br />A. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />The Note provides for an initial interest rate of 9.350 <br />changes in the interest rate and the monthly payments, as follows: <br /> <br />%. Thc Notc provides for <br /> <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 01, 2007 , and on that <br />day every sixth month thereafter. Each date on which my interest rate could change is called a "Change <br />Date." <br /> <br />MULTISTATE ADJUSTABLE RATE RIDER (L1BOR Index) - Single Family - FreddieMac UNIFORM INSTRUMENT <br /> <br />G-S15R (0008) Form 31921/01 <br /> <br />page(!J1 of 4 Initials: ~) eA!,.J <br />VMP MORTGAGE FORMS - (800)521-7291 <br /> <br />11111111111111111111111111111111111 <br /> <br />MGMW <br />