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<br />200804'681 <br /> <br />. . <br />. . '. <br />, . . ~ . . , . . <br />THIS FIXED/ADJUST ABLERA TI: RIDER is made this .' 29th day .of' !oSay,200a , <br />. and is incorporated into alid shall b~ deemed to amend l!!nd supplement the Mortgage. Deed <br />of Trust," or. Security. beed(the"SecuritylnE;trument"). of the same date '9iveobY the <br />undersigped(" Borrower") to secuieBorrower's . Fh,adl Adjustable.. 'Rate Note (the" Noti:f~) to <br />"'.l,\i.erOne.Bank <br /> <br />FIXED/ADJUSTABLE l~ATE .RIDER <br />(One--Yearl'reasuty Index" Rate Caps) <br /> <br />. . . .... .,... <br />. ("Lender") of thesam.edate MdQovei-ing thaprQper'tydescribed .in the Security Iri'tmUfnent <br />and located at: . '. . .. '.' . . '.' .. '. <br />. .' ':2'743IPAHOAVE .... '. .' . <br />.. . .' ...GRANorStJ\ND',NE66e03" .' ........ .... .' <br />. . .... ....... '. ..' .....IPropertyAddressl , .' .... ..... ..' <br />THE'NQTEPROVIDES FOR. A CHANGE IN $QRRbwEirS~IXEDU~TERl:ST' <br />RA TETO .AN .'. ADJliST Ar3lE .INTER~STRA.T~. . THE NOTe UMifSTHE <br />AMOUNT' BORROWI:R;S ADJUSTABLE INTEREST ItA rE CAN CHANGE A T <br />ANY ONETIME AND THE MAXIMUM RATE BORROWER MUST pAY: <br />ADD1TIONALCOVf:NANT~.lnadoition to the covenantsandcmreements made in the <br />. Security Instrument;fJorroVVElrand tender. further coVenalitaridagree asfollo'ws: . <br />A. ADJUSTABLE RATE AND 1VI0NfHLY PAyMeNT CHANG'ES " . . <br />The Note provides fo(an initial fixed interEist rate of ." ., '.. 5.250%. The <br />Nota also provides for a change 'intheinith,lI fixed rate to an adjustableir'lterest rate; as <br />follows: . '.. . <br />. 4. ADJUSTABLE ll\irl;hl;sT RATE AND IIIIb!\lTHl..Y PAYMENT CHANGES <br />(A) Change Oates . . <br />The initial fixadinterest rate I will pay will change to an adjustable interest rate on the <br />first day ofjuly' 20~3 . ,and the adjustable interest rate I will pay <br />. may change on that day every 12th month thereafter. The date on which my initial fixed <br />. Interest rate changes to an adjustable interest rate, and e8ch date on which my adjustable <br />interest r'ate could change, is called /:l"'Change Date." <br />(a) The Index <br />Baginnino with the first Change bate, my adjustable interest rate will be based on an <br />Index. The "Index" is the weekly average yield6n United States Treasury securities adjusted <br />. to a constant maturity of one Year, as .made availableby'the Federal ~es,erveBoard.lhe most <br />recent Index figure. available as of the date 45 days before each Change Date is called the <br />"Current Ind~x." <br /> <br /> <br />0110280606 <br />IVIUlTISTATE FIXED/ADJUSTABLE RATE RIDER. ONE-YEAR TREASURY INDEX. Single <br />FamilYcFannie MaeUriiform h1stn,irmmt <br />Form 31821/01 . <br />Wolters Kluwer Financial Services <br />VMP @ ,;843R (0405),01 '. . <br />Page i of 4 . 'n;';.'''.J1;/A!/ftiA- <br />