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<br />200509706 <br /> <br />MERS MIN: 100039046759111376 <br /> <br />4675911137 <br /> <br />FIXED/ADJUSTABLE RATE RIDER <br />(LIB OR One-Year Index (As Published In The Wall Street Journal)- Rate Caps) <br /> <br />THIS FIXED/ADJUSTABLE RATE RIDER is made this 26th day of September, 2005 , <br />and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or <br />Security Deed (the "Security Instrument") of the same date given by the undersigned ("Borrower") to <br />secure Borrower's Fixed/Adjustable Rate Note (the "Note") to <br />Quicken Loans Inc. <br /> <br />("Lender") of the same date and covering the property described in the Security Instrument and located at: <br />476 E White Cloud Rd <br />Grand Island, NE 68803-9321 <br />(Property Address] <br /> <br />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 /> <br />ADDITIONAL COVENANTS. In addition to the covenants and agreements made in the Security <br />Instrument, Borrower and Lender further covenant and agree as follows: <br /> <br />A. ADJUSTABLE RATE AND MONTHLY PAYMENT CHANGES <br />The Note provides for an initial fixed interest rate of 5.250 %. 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 wi11 pay wi11 change to an adjustable interest rate on the first day of <br />October 2012 , and the adjustable interest rate I will pay may change on that <br />day every 12th month thereafter. The date on which my initial fixed interest rate changes to an adjustable <br />interest rate, and each date on which my adjustable interest rate could change, is called a "Change Date." <br /> <br />MULTISTATE FIXED/ADJUSTABLE RATE RIDER - WSJ One-Year L1BOR- Single Family- <br />Fannie Mae Uniform Instrument <br /> <br />718512373 <br />cS-168R (0108) Form 3187 6/01 <br /><!> <br />Page 1 of 4 Initials: t., .:5" <br />VMP MORTGAGE FORMS" (800)521-7291 <br /> <br />1IIIIIIIIJUI)J'IJlll!~jW!1I111111 <br />