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200609634 V2 WBCD LOAN # 501168627 MINI 100417605011686277 ADJUSTABLE RATE RIDER {UBOR One-Year Index (As Published In The Wall Street Journal-Rate Caps- Ten-Year Interest Only Period) THIS ADJUSTABLE RATE RIDER is made this 27TH day of OCTOBER, 2006, and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument") of the same date given by the undersigned (the "Borrower") to secure Borrower's Adjustable Rate Note (the "Note") to EQUITABLE MORTGAGE OF NEBRASKA, INC, A NEBRASKA CORPORATION (the "Lender") of the same date and covering the property described in the Security Instrument and located at 4090 Craig Drive GRAND ISLAND, NE 68803 THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE 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 6.000%. The Note provides for changes in the interest rate and the monthly payments as follows: 4. ADJUSTABLE INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The initial fixed interest rate I will pay will change to an adjustable interest rate on the 1ST day of NOVEMBER, 2009, and the adjustable interest rate I will par may change on that day every 12TH month thereafter. The date on which my initia fixed interest rate changes to an adjustable interest rate, and each date on which my adjustable interest rate could change, is called a "Change Date." (B) The Index Beginning with the first Change Date, my adjustable interest rate will be based on an Index. The "Index" is the average of interbank offered rates for one-year U.S. dollar- denominated deposits in the London market ("UBDR"), as published in The Wall Street Journal. The most recent Index figure available as of the date 45 days before each Change Date 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 Holderwill give me notice ofthis choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding TWO AND THREE-EIGHTHS percentage point(s) ( 2.375% ) to the Current Index. 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(0) below, this rounded amount will be my new interest rate until the next Change Date. The Note Holder will then determine the amount of my monthly payment. For payment adjustments occurring before the First Principal and Interest Payment Due Date, the amount of my monthly payment will be sufficient to repay all accrued interest each month on the unpaid principal balance atthe new interest rate. If I make a voluntary payment of principal before the First Principal and Interest Payment Due Date, my payment amount for subsequent payments will be reduced to the amoun~~ MULTISTATE ADJUSTABLE RATE RIDER-WSJ One.Year UBOR- Ini tials: . Ten-Year Interest Only Period-Single Family-Fannie Mae Uniform Instrument Form 3155 2/06 Online Documents, Inc. Page 1 of 3 F3155RDU 0603 10-26-2006 14:25