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200511777 ADJUSTABLE RATE RIDER 0148624059 2 YEAR/6 MONTH L1BOR INDEX - RATE CAPS ( Assumable during Life of Loan) (First Business Day of Preceding Month Lookback) THIS ADJUSTABLE RATE RIDER is made this .~.1.~.t~~w..C?f..f:J.qV.~M~.~.J:l....?q9~..............., and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Deed to Secure Debt (the "Security Instrument") of the same date given by the undersigned (the "Borrower") to secure the borrower's Adjustable Rate Note (the "Note") to .................................................................. .Y'!.~.~.~.~. .F.A~ ~.<? ~~.~ ~!..~:A:...................................................................................................... .(the "Lender") of the same date and covering the property described in the Security Instrument and located at: ......~. ~.~. .~A.!H .~.T.f:l.. ~IR.~n l. G.I:tA!'!.Q..!~~~~P,.!'! L~~.~.Q.1....,...................................,.......,.................................... (Property Address) THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. TI-IE NOTE LIMITS TI-IE AMOUNT TIlE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE TIlE BORROWER MUST PAY. ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrurnent, Borrower and Lender further covenant and agree as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES TI N t . if' 't' -1 . t t t f 8 750 0/ '1'1 Nt- 'd f 1 -' l.e 0 e provlc es or an II1I1a In eres ra eo......'............... /0. l.e 0 e provl es or C"laIlges In the interest rate and the monthly payments, as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the first day of .QJ.<;~~.~~RI.~9.0L.... , aI'ld may chmlge on that day every sixth 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. TIl.e "Index" is the six month London Interbank Offered Rate ("LIBOR") which is the average of interbank oiTered rates for six-month U.S. dollar-denominated deposits in the London market, as published in The Wall Street Iouraal. rTI1.e most recent Index figure available as of the first business clay of the month immediately preceding the month in which the Change Date occurs is called the "Current Index. " MULTISTATE ADJUSTABLE RATE RIDER 6-Month L1S0R Index (Assumable during Life of Loan) (First 8usiness Day Lookback) - Single Family - Freddie Mac UNIFORM INSTRUMENT Form 5120 3/04 EC10SA Rev. 09/21/04 ~5