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200603809 100025440003140545 0038158135 ADJUSTABLE RATE RIDER (LISOK Six-Month Index (As Published In The Wall Street Journal) - Rate Caps) THIS ADJUSTABLE RATE RIDER is made this 28th day of April, 2006 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrumenf) of the same date given by the undersigned ("Borrower") to secure Borrower's Adjustable Rate Note (the "Note") to LIUDIAIII BROTHBRS 1lAJIlC, 1'8B ("Lender") of the same date and covering the property described in the Security Instrument and located at: 1918 Il'ORTH BUSTON AVlDlUB, GlRAll'D ISLAND, HBBRASItA 68801 [Property Address] THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE nME AND THE MAXIMUM RATE BORROWER MUST PAY. ADDmONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial Interest rate of 8.500 %. The Note provides for changes 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 Nay , 2011 and on that day every 6t.h month thereafter. Each date on which my interest rate could change Is called a "Change Date." (B)Thelnctex Beginning with the first 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 ("L1BOR"), 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 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 Changes Before each Change Date, tha Note Holder will calculate my new interest rate by adding TWO ARD 75 BUlIDJtBDTBS percentage points ( 2.750 %) to the Current Index. The Note Holder will then round the result of MULTlSTATE ADJUSTABLE RATE RIDER - L1BOR SIX-MONTH INDEX (AS PUBLISHED IN THE WALL STREET JOURNAL) - Single Family - Fannie Mae Uniform rnstrument '.1 m~3 _I.~ ;n~.k'f ~l( IUIII"I lUll I ~~2~~;~~ Solutl;S,~~~. III~ ~ 1111111111111111 11I11