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<br />200511797 <br /> <br />ADJUSTABLE RATE RIDER <br />(LIB OR One-Year Index (As Published In The Wall Street Journal)-Rate Caps) <br /> <br />THIS ADJUSTABLE RATE RIDER is made this 23rd day of November, 2005 <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed <br />(the "Security Instrument") of the same date given by the undersigned (the "Borrower") to secure Borrower's Adjustable <br />Rate Note (the "Note") to Ha.1ESTEAD MOR'IGAGE, me. <br /> <br />(the "Lender") <br /> <br />of the same date and covering the property described in the Security Instrument and located at: <br /> <br />1615 HAGGE, GRAND ISLAND, NE 68801 <br />[Property Address] <br /> <br />THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST <br />RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE <br />BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE <br />MAXIMUM RATE THE BORROWER MUST PAY. <br /> <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, <br />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 8 .250 %. The Note provides for changes in the <br />interest rate and the monthly payments as follows: <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 December, 2007 , and on that day <br />every 12th month thereafter. Each date on which my interest rate could change is called a "Change Date." <br />(B) The Index <br />Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the average of <br />interbank offered rates for one-year U.S. dollar-denominated deposits in the London market ("LIBOR"), as published in <br />The Wall Street Journal. The most recent Index figure available as of the date 45 days before each Change Date is called <br />the "Current Index." <br />If the Index is no longer available, the Note Holder will choose a new index which is based upon comparable <br />information. The Note Holder will give me notice of this choice. <br /> <br />LOAN NUMBER: 5649642 MIN: 100162500056496426 <br />MuItistate Adjustable Rate Rider-WSJ One-Year LIBOR-Single Family-Fannie Mae UNIFORM INSTRUMENT Form 3189 6/01 <br /> <br />-THE C~~~~;c~~~c~~E, INC.- Page 1 of 3 111111111111I11111111111111I~llllllllllllllllllillllllllI1I1I1111111 <br /> <br />24634IVlU U31UI <br />~2001. The Compliance Sourccl Inc, <br /> <br />fO-W\5 <br />