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FIXED /ADJUSTABLE RATE RIDER <br />(LIBOR One -Year index (As Published In The Wall Street Journal) - Rate Caps) <br />Loan Number: 8000281442 <br />THIS FIXED /ADJUSTABLE RATE RIDER is made this 14th day of September, 2012 , <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of <br />Trust, or Security Deed (the "Security Instrument ") of the same date given by the undersigned <br />( "Borrower ") to secure Borrower's Fixed/Adjustable Rate Note (the "Note ") to <br />PNC Mortgage, a division of PNC Bank, National Association <br />( "Lender") of the same date and covering the property described in the Security Instrument and <br />located at: <br />[Property Address] <br />THE NOTE PROVIDES FOR A CHANGE IN BORROWER'S FIXED INTEREST RATE TO <br />AN ADJUSTABLE INTEREST RATE. THE NOTE LIMITS THE AMOUNT BORROWER'S <br />ADJUSTABLE INTEREST RATE CAN CHANGE AT ANY ONE TIME AND THE MAXIMUM <br />RATE BORROWER MUST PAY. <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 2.750 %. The Note also provides <br />for a change in the initial fixed rate to an adjustable interest rate, as follows: <br />MULTISTATE FIXED /ADJUSTABLE RATE RIDER - WSJ One -Year LIBOR - Single Family - <br />Fannie Mae Uniform Instrument <br />Form 3187 6101 <br />Wolters Kluwer Financial Services <br />VMP ® -168R (0807) <br />Page 1 of 6 <br />III <br />617 Stagecoach Rd <br />Grand Island, NE 68801 -7503 <br />i <br />iem <br />201207886 <br />