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<br />200604615 <br /> <br />MIN: 100433620064180029 <br /> <br />Loan Number. 2006418002 <br /> <br />ADJUSTABLE RATE RIDER <br />(LIBOR Six-Month Index (As Published In The Wall Street 10urnal) - Rate Caps) <br /> <br />THIS ADJUSTABLE RATE RIDER is made this 29th day of April, 2006, and is incorporated into and <br />shall be deemed to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security <br />Instrument") of the same date given by the undersigned ("Borrower") to secure Borrower's Adjustable Rate Note <br />(the "Note") to <br />NEWPRIME HOME LOANS, LLC, A LIMITED LIABILITY COMPANY <br />("Lender") ofthe same date and covering the property described in the Security Instrument and located at: <br />205 E 10TH ST <br />GRAND ISLAND, NEBRASKA 68801 <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 BORROWER <br />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 9.550%. The Note provides for changes in the interest rate <br />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 1st day of June, 2008, and on that day every SIXth month <br />thereafter. Each date on which my interest rate could change is called a "Change Date." <br /> <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 10urnal. The most recent Index figure available as of the first business <br />day of the month immediately preceding the month in which the Change Date occurs is called the "Current Index." <br />If the Index is no longer available, the Note Holder will choose a new Index that is based upon comparable <br />information. The Note Holder will give me notice ofthis choice. <br /> <br />MUL TISTATE ADJUSTABLE RATE RIDER - UBOR SIX-MONTH INDEX (AS PUBLISHED IN THE WALL STREET JOURNAL)- <br />Single Family - Fannie Mae Uniform Instrument Page 1 of 3 . . H9F!.. :t1~80~/Oh <br />Borrower(s) Initials ~ I'{. r\' r <br />IDS.lnc., (800)554-1872 <br />