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<br />. <br /> <br />200605937 <br /> <br />ADJUSTABLE RATE RIDER <br /> <br />0153674163 <br /> <br />2 YEAR/6 MONTH UBOR INDEX - RATE CAPS <br />( Assumable during Life of Loan) (First Business Day of Preceding Month Lookback) <br />THIS ADJUSTABLE RATE RIDER is made this .~~!h.~~Y..l?.tJ'='.~~I.~.9.Q~........................, and is <br />incorporated into arId shall be deemed to amend arId supplement the Mortgage, Deed of Trust or Deed <br />to Secure Debt (the "Security Instrmnent") of the same date given by the undersigned (the "Borrower") <br />to secure the borrower's Adjustable Rate Note (the "Note") to .................................................................. <br />.w~.~.~~..~A~~.q. ~!.\.~ ~!..~:.~:.................................................. .................................................... .(the "Lender") <br />of the same date and covering the property described in the Security Instrument and located at: <br />...... gQ.~ JA.:?T. .~!~MA.I;I.~.R.9.A!?)..~RA.~ R..I.~.~A~RJ.N~...~.~.~~L.......... ................................................................. <br />(Property Address) <br /> <br />THE NOTE CONTAlNS PROVISIONS ALLOWING FOR CHANGES IN THE <br />INTEREST RATE AND TIlE MONTHLY PAYMENT. TTIE NOTE LIMITS <br />THE AMOUNT TilE BORROWER'S INTEREST RATE CAN CHANGE AT ANY <br />ONE TIME AND THE MAXIMUM RATE THE BORROWER MUST PAY. <br /> <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security <br />InstrUlllent, Borrower and Lender further covenant and agree as follows: <br />A. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br /> <br />The Note provides for an initial interest rate of .....~,~~.9.......... %. The Note provides for changes in <br />the interest rate and the monthly payments, as follows: <br />4. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br /> <br />(A) Change Dates <br /> <br />The interest rate I will pay may charlge on the first day of ~~.~YJ.~~9J..............., and may change <br />on that day every sixth month thereafter. Each date on which my interest rate could change is <br />called a "Change Date." <br />(B) The Index <br /> <br />Begilming with the first Change Date, my interest rate will be based on ml. Index. The "Index" is <br />the six rnonth London Interbank Offered Rate ("LIBOR") which is the average of interbank offered <br />rates for six-month U.S. dollar-denominated deposits in the London market, as published in The <br />WalJ Sheet Journal The most recent Index figure available as of the first business day of the <br />month immediately preceding the month in which the CIl.ml.ge Date occurs is called the "Current L- <br />Index." [y) \) <br />MULTISTATE ADJUSTABLE RATE RIDER 6-Month LIBOR Index (Assumable during Life of Loan) Form 5120 3/04 EC108A Rev. 09/21/04 ~ "- <br />(First Business Day Lookback) - Single Family - Freddie Mac UNIFORM INSTRUMENT 'TV <br />