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INTEREST -ONLY ADDENDUM TO ADJUSTABLE RATE RIDER 200608477 Loan Number: 2200060787820 Property Address: 4139 PRAIRIE RIDGE LANE, GRAND ISLAND, NEBRASKA 68803 THIS ADDENDUM is made this 15TH day of SEPTEMBER, 2006, and is incorporated into and intended to form a part of the Adjustable Rate Rider (the "Rider") dated the same date as the Addendum executed by the undersigned and payable to Decision One Mortgage Company, LLC (the Lender). THIS ADDENDUM supersedes Section 4(C) of the Rider. None of the other provisions of the Note are changed by this Addendum. 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding FIVE AND 73/100THS percentage points (5.73%) to the current index for such Change Date. The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point (0.125 %). Subject to the limits stated in Section 4(D), this rounded amount will be my new interest rate until the next Change Date. During first five (5) years after loan closing ("interest-only period"), the Note Holder will determine the amount of the monthly payment that would be sufficient to pay accrued interest on the unpaid principal balance. This will be the amount of my monthly payment until the earlier of the next Change Date or the end of the interest-only period unless I make a voluntary prepayment of principal during such period. If I make a voluntary prepayment of principal during the interest-only period, my payment amount for subsequent payments will be reduced to the amount necessary to pay interest at the then current interest rate on the lower unpaid prinCipal balance. At the end of the interest-only period and on each Change Date thereafter, the Note Holder will determine the amount of the monthly payment that would be sufficient to repay in full the unpaid principal balance that I am expected to owe in substantially equal monthly payments over the remaining term of the Note. The result of this calculation will be the new amount of my monthly payment. After the end of the interest-only period, my payment amount will not be adjusted due to voluntary principal payments. ~~MJLUt )/~ 200fp ~ K ___. BRIAN J. KO '/fu.ltfl lL W.f;y~ TRICIA K KOKES (Seal) Borrower Dated: (Seal) Borrower 04/02 Page 1 of 1 Form 45 111111I11111 1111111111111111111I11111 11111 1111111111111