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200700001 Loan Numher 2020061253359 ADJUST ABLE RATE RIDER (LIBOR Index - Rate Caps) THIS ADJUSTABLE RATE RIDER is made this 15TH day of DECEMBER, 2006, and is incorporatcd into and shall be deemed to amend and supplemcnt the Mortgage, Deed of Trust, or Deed to Secure Debt (the "Security Instrument") of the same date given by thl: undl:rsignl:d (thl: "Borrowd') to Sl:curl: thl: Borrowds Note to DECISION ONE MORTGAGE COMPANY, LLC (the "Lender") of the same date and covering the property described in the Security Instrument and locatl:d at: 102 North 5th St, Doniphan, NEBRASKA 68832 [Propl:rly Address] Till'; NOT"~ CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT, THE NOTE LIMITS TH.E AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE BORROWEI~ MUST PAY, ADDITIONAL COVENANTS, In addition to the covenants and agreements made ill the Security Instrument, Borrower and Lender further covenant and agrl:l: as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHA:'oIGES The Note provides for an initial interest rate of 8.59%. The Note provides for changes in the interest rate and the monthly payments, as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CHA:'IlGES (A) Change Dates The interest rate I will pay may change on the 20TH day of DECEMBER, 2008, and on that day every sixth month thereafter. 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 averagc of interbank offered rates for six-month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published 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 infomIation. The Note Holdl:r will give me no!it:e of this choice. (C) Calculation of Changes Before each Change Date, the Note Holdl:r will calculate my new interest rate by adding SEVEN AND 591100THS percentage points (7.59%) to the Current Index. The Note Holdl:r will then round the result of this addition to thl: nearl:st (me-eighth of one percentage point (0.125%). Subjl:ct to thl: limits stated in Section 4(D) below, this roundl:d amount will bl: my new interest rate until the next Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to rl:pay the unpaid principal that I am expected to owe at the Changl: Date in full on the maturity date at my new interest rate in substantially equal payments. Thc rcsult of this calculation will be the new amount of my monthly payment. MIJLTlST ATE AD.J\JST ARLE RATE RIDER (UROR lndex)--Single hmily--Ftcddi' Mac MODlFlED INSTRUMENT Form 3192 1101 (I'a?;e 1 43 l'aKes) 1111111111111111111111111111111111111111111111111111111