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200706773 ADJUSTABLE RATE RIDER (LIBOR SIs-Month Indft (A. Pub.bed In TII. Wtlll StIwI J".,.,.~Rate Cap.) 1HIS ADmST ABLE RAm RIDER is nwte this 9th day of July, 2005, ad is incorporated into ad shall be deemed to amend ad supplement the Mortgaae, Deed ofTruat, or Security Deed (the "Security Instrument") of the lime date given by the undcnigned ("BmTower") to secure Borrowcr's Adjustable Rate Note (the "Note") to Fidclit'y Mortgage, Inc. ("Lender") of the ssme date Iftd covering the property described in the Scc:urity Instrument Iftd located at: 6206 WEST WILDWOOD DRIVE ,ALDA. NE 68810 THE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. TIlE NOTE LIMITS THE AMOUNT BORROWER'S INTEREST RATE CAN CRANGE AT ANY ONE TIME AND TIlE MAXIMUM RATI BORROWER MUST PAY. ADDmONAL COVENANTS. In addition to the covCDlfttlad agreements made in the Scc:urity Instrument, Borrower and Lender further COVCDlftt Iftd agree as follows: A. INTEREST RATE AND MONTHLY PAY'MENT CHANGES The Note provides for a initial interest rate of7.99'A.. The Note provides for chap in the interest rate ad the monthly payments, 81 follows: (A) Chanp Datel The interest rate I will pay may chage Oft the 1st day of August, 2008, ad on that day every sixth month thereafter. Bach date on which my interest rate could change is called a "Change Date." (8) The Indft Beginning with the fint Change Date, my interest rate will be based Oft a Index. The "Index" is the average of interbank offered rata for six month U.S. dolllll'-dcnominated deposits in the London market ("LlBOR."), 81 published in The Wall Street Journal. The ftlost recent Iftdex figure available as of the first business day of the month immediately prcccdin, the month in which the Change Date occun 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 information. 1be Note Holder will give me notice of this choice. (C) Cakaladon or CllaDI_ Before each Change Date, the Note Holder will calculate my DCW interest rate by adding five point two folD' percentage points (5.24%) to the Cuttent Index. The Note Holder will then round the result of this addition to the nearest onc-cighth of one pen:cntagc point (0.125%). Subject to the limits stated in Section (0) below, this rounded amount will be my DCW interest rate until the next Change Date. The Note Holder will then determine the lUDOUftt of the monthly payment that would be sufficient to repay the unpaid principal that Jam expected to owe at the Change Date in tull on the Maturity Date at my new interest rate in substantially cqua1 payments. The result of this calculation will be the new amount of my monthly payment MULTllTAn ADIlISTAIII.& un ~ IIX-MOtmIINMX (AS PUalSllDIl'I1'If1lWAU.SBU'lNWNAlJ- SIn"'I'IltIl~M8IU"'I_t r-3131 1..1 (pI:c. hI J) 11111111111111111111111111111111111111111111111111111111I1I111 F03138