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200702733 Loan No.: 0146567235 ADJUSTABLE RATE RIDER (LIBOR One-Year Index (As Published In The Wall Street Journal)-Rate Caps) (Secondary Lien) THIS ADJUSTABLE RATE RIDER is made this 4th day of April, 2007, 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 CRESTAR MORTGAGE CORPORATION (the "Lender") of the same date and covering the property described in the Security Instrument and located at: 1419 HAGGE STREET, GRAND ISLAND, NE 68801 [Property Address] 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 8.375%. The Note provides for changes in the interest rate and the monthly payments as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The interest rate I will pay may change on the first day of May, 2012, and on that day every 12th 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 average of interbank offered rates for one-year U.S. dollar-denominated deposits in the London market ("LIB OR"), 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 which is based upon comparable information. The Note Holder will 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 250/1000ths percentage points (2.250%) to the Current Index. The Note Holder will then round the result of this Adjustable Rate Rider-The Wall Street Journal One-Year L180R - Secondary Lien (Combo ARM) Proprietary W0211 Page 1 of2 58354MU 04/05 11111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111 + 0 1 4 656 7 2 3 5 + 0 0 C 4 + 1 + 2