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RETURN RECORDED DOC TO: <br />Finance America, LLC 200505132 <br />P.O. Box 16637 <br />Irvine, Ca 92623 -6637 <br />MIN 100052300417871513 <br />ADJUSTABLE RATE RIDER <br />(LIBOR Index - Rate Caps) <br />THIS ADJUSTABLERATE RIDERis made this 3rd day of JUNE , 2005 , and <br />is incorporatedinto and shall be deemedto 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 />(the "Lender ") of the same date and covering the property described in the Security Instrumentand located <br />at: <br />505 EAST 1ST STREET, GRAND ISLAND, NE 68801 -7709 <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 THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE <br />TIME AND THE MAXIMUM RATE THE BORROWER MUST PAY. <br />ADDITIONAL COVENANTS. In addition to the covenants and agreementsmade 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 7.740 %. 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 JULY 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 />MULTISTATE ADJUSTABLE RATE RIDER (LIBOR Index) - Single Family - Freddie Mac UNIFORM INSTRUMENT <br />(M-8 1511 (0008) Form 3192 1/01 <br />Page 1 of 4 Initials. )c� <br />VMP MORTGAGE FORMS - (800)521 -7291 <br />MGMW <br />