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200510790 A. ADJUSTABLE RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial fixed interest rate of 7.130%. The Note also provides for a change in the initial fixed rate to an adjustable interest rate, as follows: 4. ADJUSTABLE INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Interest Change Dates The fixed interest rate I pay may change on the first day of November. 2007 and on that day every 6th month thereafter. Each date on which my interest change, is called an "Interest Change Date." , rate could (B) The Index Beginning with the first Interest 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 ("UBDR"), as published in The Wall Street Journal. The most recent Index figure available as of the first business day of the month immediately preceding the month in which the Interest 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 Interest Rate Changes Before each Interest Change Date, the Note Holder will calculate my new interest rate by adding SIX AND 130/1000 percentage points ( 6.130 %) to the Current Index. The Note Holder will then round the result of this addition to the nearest one.eighth of one percentage point (0.125%). Subject to the limits stated in Section 4(0) below, this rounded amount will be my new interest rate until the next Interest Change Date. (D) Limits on Interest Rate Changes The interest rate I am required to pay at the first Interest Change Date will not be greater than 10.130 % or less than 7.130 %. Thereafter, my adjustable interest rate will never be increased or decreased on any single Interest Change Date by more than ONE AND ONE HALF percentage points ( 1.500%) from the rate of interest I have been paying for the preceding 6 months. My interest rate will never be greater than 14.130% or less than 7.130 %. FIXED/ADJUSTABLE RATE BALLOON RIDER WSJ SIX MONTH LmOR He 54205.6 DDS-BR2 (2 of 5)