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<br />200512305 <br /> <br />ADJUSTABLE RATE RIDER <br /> <br />(LIBOR Index - Rate Caps) <br />MIN 1000466-0000569223-2 <br /> <br />THIS ADJUSTABLE RATE RIDER is made this 15th day of November , 2005 , and <br />is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Deed to <br />Secure Debt (the "Security Instrument") of the same date given by the undersigned (the "Borrower") to <br />secure Borrower's Note to <br /> <br />Popular Financial Services, LLC <br /> <br />(the "Lender") of the same date and covering the property described in the Security Instrument and located <br />at: <br /> <br />1415 WEST 5TH STR~T <br /> <br />,GRAND ISLAND <br /> <br />,NE 68801- <br /> <br />[Property Address] <br /> <br />THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE <br />AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE BORROWER'S <br />INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE <br />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 9.5500 <br />changes in the interest rate and the monthly payments, as follows: <br /> <br />%. The Note 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 December, 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 />00615834 <br /> <br />MUL TISTATE ADJUSTABLE RATE RIDER. L1BOR INDEX. Single Family - Freddie Mac Modified Instrument <br /> <br />MW 05100 <br /> <br />InitialS~ tf\ <br /> <br />Page 1 of 4 <br /> <br />(2128 & 3/27 USOR ARM RIDER) <br />3192-815R <br />JB 050006 07/21/00 <br /> <br />D- t:? I ~ <br />