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<br />200610077 <br /> <br />ADJUSTABLE RATE RIDER <br /> <br />(6-Month L1BOR Index-Rate Caps) <br />(Assumable during Life of Loan) <br />(First Business Day of Preceding Month Lookback) <br /> <br />0156590143 <br /> <br />This Adjustable Rate Rider is made this .~t~.~!,!y..9.Um.v.~M.~~~,J9.Q~..................... , and is <br />incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or <br />Security Deed (the "Security Instrument") of the same date given by the undersigned (the "Borrower") <br />to secure the Borrower's Adjustable Rate Note (the "Note") to ........................................ <br />.WJ;:.I,..I.~.JAI;H~.Q.aANK...~J.\................... ............................ ............ ....................................................... (the <br />"Lender") of the same date and covering the property described in the Security Instrument and located <br />at: .~.Q.&.~..$Alt:I..$JREJ;:J.. $;:.~IR9.. .NE.Ji~.~.2fJ........ ................................................................................ .... .... .......... <br />(Property Address) <br /> <br />THE NOTE CONTAINS PROVISIONS AlLOWING FOR CHANGES IN TIm INTEREST <br />RATE AND THE MONIHLY PAYMENT. THE NOTE LIMITS THE AMOUNT THE <br />BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND TIm MAXIMUM <br />RATE TI-m BORROWER MUST PAY. <br /> <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security <br />Instrument. Borrower and Lender further covenant and agree as follows: <br /> <br />A. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br /> <br />CIhe Note provides for an Initial Interest Rate of .:tQ.,:r7.S.... %. <br /> <br />The Note provides for changes in the interest rate and the monthly payments as follows: <br /> <br />4. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br /> <br />(A) Change Dates <br />The interest rate 1 will pay may change on the first day of P.~.c;J.~.~~~,.~9.Q.~.........................., <br />and may change on that day every _lLth month thereafter. Each date on which my interest rate <br />could change is called a " Change Date." <br /> <br />(B) The Index <br /> <br />Beginning with the first Change Date, my interest rate will be based on an <br />Index. The "Index" is the six-month London Interbank Offered Rate ("UBOR") which is <br />the average of interbank offered rates for six-month U.S. dollar-denominated deposits in <br />the London market, as published in "The Wall Street Journal." The most recent Index <br />figure available as of the first business day of the month immediately preceding <br />the month in which the Change Date occurs is called the "Current Index." <br /> <br />If the Index is no longer available, the Note Holder will choose a new index which is based upon <br />comparable information. The Note Holder will give me notice of this choice. <br /> <br />ADJUSTABLE RATE NOTE.6.Month L1BOR Index <br /> <br />(Assumable during life of Loan)--Freddie Mac UNIFORM INSTRUMENT <br />page 1 <br /> <br />\'LL- <br />J2- <br /> <br />PI036A Rev. 07/13/06 <br />