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<br />200604614 <br /> <br />MIN: 1001993-0000636290-2 <br /> <br />Loan Number: 0000636290 <br /> <br />ADJUSTABLE RATE RIDER <br />(L1BOR Six-Month Index (As Published In The Wall Street Journal) <br />- Rate Caps) <br /> <br />THIS ADJUSTABLE RATE RIDER is made this 28th day of APRIL, 2006 , <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or <br />Security Deed (the "Security Instrument") of the same date given by the undersigned ("Borrower") to secure <br />Borrower's Adjustable Rate Note (the "Note") to HAMILTON MORTGAGE COMPANY, AN <br />ARIZONA CORPORATION <br />("Lender") of the same date and covering the property described in the Security Instrument and located at: <br /> <br />1424 NORTH HUSTON AVENUE, GRAND ISLAND, NEBRASKA 68803 <br /> <br />[Property Address] <br /> <br />THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE <br />INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE <br />AMOUNT BORROWER'S INTEREST RATE CAN CHANGE AT ANYONE TIME AND <br />THE MAXIMUM RATE 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 . 990 %. The Note provides for changes <br />in the 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 1 s t day of MAY, 2 0 0 8 <br />and on that day every 6th month thereafter. Each date on which my interest rate could change is called <br />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 <br />average of interbank offered rates for six month U.S. dollar-denominated deposits in the London market <br />("LIBOR"), as published in The Wall Street Journal. The most recent Index figure available as of the first <br />business day of the month immediately preceding the month in which the Change Date occurs is called the <br />"Current Index." <br />If the Index is no longer available, the Note Holder will choose a new index that is based upon <br />comparable information. The Note Holder will give me notice of this choice. <br /> <br />Borrower Initials: -) ,;)lrI <br /> <br />MUL TISTATE ADJUSTABLE RATE RIDER--L1BOR SIX-MONTH INDEX <br />(AS PUBLISHED IN THE WALL STREET JOURNAL) <br />Single Family--Fannie Mae MODIFIED INSTRUMENT <br />Form 3138 1/01 Page 1 of 3 <br /> <br />DocMagiceJtiiJJ1JiJiA5 800-649-1362 <br />www.docmagic.com <br /> <br />Us31381.rid. I ,tern <br />