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THE NOTE PROVIDES FOR A CHANGE IN BORROWER'S FIXED INTEREST <br />RATE TO AN ADJUSTABLE INTEREST RATE. THE NOTE LIMITS THE <br />AMOUNT BORROWER'S ADJUSTABLE INTEREST RATE CAN CHANGE AT <br />ANY ONE TIME AND THE MAXIMUM RATE BORROWER MUST PAY. <br />201400103 <br />MERS MIN: 100039033223452446 3322345244 <br />FIXED /ADJUSTABLE RATE RIDER <br />(LIBOR One -Year Index (As Published In The Wall Street Journal)- Rate Caps) <br />THIS FIXED /ADJUSTABLE RATE RIDERis made this 7th day of January, 2014 <br />, and is incorporated into and shall be deemed to amend and supplement the <br />Mortgage, Deed of Trust, or Security Deed (the "Security Instrument ") of the same date given <br />by the undersigned ( "Borrower ") to secure Borrower's Fixed /Adjustable Rate Note (the <br />"Note ") to Quicken Loans Inc. <br />( "Lender ") of the same date and covering the property described in the Security Instrument <br />and located at: 4070 Craig Dr <br />Grand Island, NE 68803 -3607 <br />[Property Address] <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the <br />Security Instrument, Borrower and Lender further covenant and agree as follows: <br />A. ADJUSTABLE RATE AND MONTHLY PAYMENT CHANGES <br />The Note provides for an initial fixed interest rate of 3.990 %. The Note also <br />provides for a change in the initial fixed rate to an adjustable interest rate, as follows: <br />4. ADJUSTABLE INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />(A) Change Dates <br />The initial fixed interest rate I will pay will change to an adjustable interest rate on the <br />first day of February 2024 , and the adjustable interest rate I will pay may change <br />on that day every 12th month thereafter. The date on which my initial fixed interest rate <br />changes to an adjustable interest rate, and each date on which my adjustable interest rate <br />could change, is called a "Change Date." <br />MULTISTATE FIXED /ADJUSTABLERATE RIDER- WSJ One -Year LIBOR- Single Family - <br />Fannie Mae Uniform Instrument <br />2758883193 <br />Form 3187 6/01 <br />Wolters Kluwer Financial Services <br />VMP ® -168R (0807) <br />Page 1 of 4 Initials: <br />I I I 0 3 3223 1/11145111 244 1 11110411111 113 372 11 it 1 0 1 0 1 1 1 1 4 1 1 1 1 1 1 1 1 1 1 1 1 11 III <br />g <br />