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200607821 Loan No; 4002557800 Borrower; BONNIE L BROWN Data ID; 858 ADJUSTABLE RATE RIDER (LIB OR Six-Month Index (As Published In The Wall Street Journal)-Rate Caps) THIS ADJUSTABLE RATE RIDER is made this 26th day of July, 2006, and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Sccurity Dced (the "Security Instrument") of the same date given by the undersigned ("Borrower") to secure Borrower's Adjustable Rate Note (the "Note") to AEGIS LENDING CORPORATION ("Lender") of the samc datc and covering the property described in the Security Instrument and located at: 211 CAMPBELL AVE DONIPHAN, NEBRASKA 68832 [Property Address] THE NOTE CONTAINS PROVISIONS ALLOWING If OR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE BORROWER MUST PAY. ADDITIONAL 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 9.855 %. 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 August, ZOOS, and on that day every 6th month thereaftcr. Each date on which my interest rate could change is called a "Change Date." (B)The Index 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 ("LIBOR"), as puhlished 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, the Note Holder will calculate my new interest rate by adding SEVEN and 605/1000 percentage points ( 7.605 %) to the Current Index. The Note Holder will then round the result of this addition to the nearest one-eighth of one perecntage point (0.125%). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. MULTlSTATE ADJUSTABLE RATE R1DE~UBOR SIX-MONTH INDEX (AS PUBUSHED IN THE WALL STREET JOURNAL.)- Single Farril)l.Fannie Mae UNIFORM INSTRUMENT Modified by 1VIdd1eberg, Riddle & Gianna Form 3138 1/01 (Page 1 of 3 Pages) 11111111111111111111111111111111111111111111111111111111111111111111111111111111 40025578002181 }JO