Sample Document. Intended as reference only

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                                              Loan Number 123456

                                          ADJUSTABLE RATE RIDER

                                                          (I Year Treasury Index-Rate Caps) 

THIS ADJUSTABLE RATE RIDER is made this     5^th day of JUNE 2001,     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 SAMPLE MORTGAGE CO. , AN OHIO BANKING CORPORATION (the "Lender") of the same date and covering the property described in the Security Instrument and located at:

                                 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  7.250 % .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 1^st day of JULY 2004 and on that day every 12th month thereafter. Each date on which my interest rate could change is called a "Change Date. II

(B) The Index

Beginning with the first Change Date, my interest rate will be based on an Index. The Index" is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Federal Reserve Board. 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 of this choice.

(C) Calculation of Changes

Before each Change Date, the Note Holder will calculate my new interest rate by adding THREE AND 375/1000 percentage points (3.375%) to the Current Index. The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point (0.125%). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date.

The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the maturity date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment.  

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MULTISTATE ADJUSTABE RATE RIDER--ARM 5-2Single Family-- Fannie Mae/Freddie Mac MODIFIED INSTRUMENT

FANNIE MAE ARM 4-2/5-2/6-2                                                                                                                                    Form 3111 1/01

Document Systems, Inc. (800) 649-1362                                                 Page 1 of 2

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