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.-< 200700008 Loan Number: 421002168 Servicing Numbcr: 002267410-5 Date: 12/13/06 ADJUSTABLE RATE RIDER (LTBOR Index - Rate Caps) THIS ADJUSTABLE RATE RIDER is made December 13, 2006 and is incorporatcd into and shall be deemed to amcnd and supplement the Mortgage, Deed of Trust or Security Deed (the "Sccurity Instrument") of the same date given by the undersigned (the "Borrower") to secure Borrower's Adjustable Rate Note (the" Note") to H&R Block Mortgage Corporation, a Massachusetts Corporation (the "Lender") of the same date and covering the property described in the Security Instrument and located at: 1219 S. SHADY BEND RD, GRAND ISLAND, NE 68801-8745 [Properly Address J THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTERI 1ST RATE AND THE MONTIIL Y PAYMENT. THE NOTE LIMITS TIrE AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM RATE THE BORROWER MUST PA Y_ ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security Instrument, Borrower and Lender further covenant and agree as follows: The Note provides for an initial interest rate of 11. 175 % Note provides for changes in the interest rate and the monthly payments, as follows: The 4_ INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the first day of January 01 2009 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 Begilming with the first Change Date, my interest rate will be based on an Index. The "Index" is the average of interbank ofTered rates for six-month 11, S, dollar-denominated deposits in the London market ("LIBOR"), as published in The Wall 5,'lreel Journal. The most recent Index figure available as of the first business day of the month immediately preceding the month in whieh 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 comparahle information, The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding FIVE AND 60/100 percentage point(s) ( 5.600% ) to the Current Index, The Note Holder will then round the result of this addition to the next higher one-eighth of one percentage point (0. 125%). Subject to the limits stated in Section 4(D) below, this rounded amount will MULTISTATE ADJUSTAID.R RATE RIDER-LIBOR INDEX - Single Family Page 1 of 3 liSRI0021 (02-23-99)