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<br />200610229 <br /> <br />LOAN # 6352191743 <br /> <br />ADJUSTABLE RATE RIDER <br /> <br />THIS ADJUSTABLE RATE RIDER is made this 13TH day of NOVEMBER, 2006 <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, <br />Deed of Trust, or Security Deed (the "Security Instrument") of the same date given by <br />the undersigned (the "Borrower") to secure Borrower's Adjustable Rate Note (the "Note") <br />to BANK OF AMERICA, N.A. <br /> <br />(the "Lender") of the same date and covering the Property described in the Security <br />Instrument and located at: 4018 I ND I ANHEAD DR I VE, GRAND ISLAND, NE 68803 <br /> <br />(Property Address) <br /> <br />THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN MY <br />INTEREST RATE AND MY MONTHLY PAYMENT. INCREASES IN THE <br />INTEREST RATE WILL RESULT IN HIGHER PAYMENTS. DECREASES IN <br />THE INTEREST RATE WILL RESULT IN LOWER PAYMENTS. <br /> <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements made in <br />the Security Instrument, Borrower and Lender further covenant and agree as follows: <br /> <br />A. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />The Note provides for an initial interest rate of 4 . 625 %. The Note <br />provides for changes in the interest rate and the monthly payments, as follows: <br /> <br />4. INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />(A) Change Dates <br />The interest rate I will pay may change on the FIRST day of DECEMBER, 2009 <br />, and on that day every 12TH month thereafter. Each date on which my <br />interest rate could change is called a "Change Date." <br /> <br />(B) The Index <br />Beginning with the first Change Date, my interest rate will be based on an Index. The <br />"Index" is: <br /> <br />MULTI STATE ADJUSTABLE RATE RIDER - Single Family MGNR 11/07/06 4:41 PM 6352191743 <br />Page 1 of 6 <br />BS899R (0402) VMP Mortgage Solutions, Inc. (800)521-7291 <br /> <br />U-(}1 <br />