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200510329 ADJUSTABLE RATE RIDER 0148130115 2 YEARf6 MONTH UBOR INDEX - RATE CAPS ( Assumable during Life of Loan) (First Business Day of Preceding Month Lookback) THIS ADJUSTABLE RATE RIDER is made this .1~~h.~~Y..~.f..Q~T.9.~~R,.~~9.~................., and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust or Deed to Secure Debt (the "Security Instrument") of the same date given by the undersigned (the "Borrower") to secure the borrower's Adjustable Rate Note (the "Note") to .................................................................. .~~.~.~~. .~A~~,q. ~A~ ~!. .~..:~:.................. .................................................................................... .(the "Lender") of the same date and covering the property described in the Security Instrument and located at: ...... gQl. W~H.~.Q~N !~. .~m~nl.~B.AN P. J.!?~.ANP.,..~ ~.. ~~.~~~............................................................................. (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 .....~,~~.~.......... %. 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 .~.QY~M~t~BJ..~~~?..... , and may change on that day every sixth month thereafter. Each date on which my interest rate could change is called a "Change Date." (B) The Index Begirming with the first Change Date, my interest tate will be based on an Index. The "Index" is the six month London Interbank Offered Rate ("LIBOR") which is the average of interbank offered rates for six-month U.S. dollar-denominated deposits in the London market, as published in The WalI Street Journal. The most recent Index figure available as of the frrst business day of the month immediately preceding the month in which the Change Date occurs is called the "Current Index. " MUL T1STATE ADJUSTABLE RATE RIDER 6-Month UBOR Index (Assumable during Life of Loan) (First Business Day Lookback) - Single Family - Freddie Mac UNIFORM INSTRUMENT Form 51203/04 EC108A Rev. 09/21/04 4