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201108966 ADJU5TABLE RATE RIDER (1-Year LIBOR Index - Rate Caps) (Assumeble after Initial Period) THIS ADJUSTABLE RATE RIDER is made this 231� day of NOVffi�BR 2011 , 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 the Borrower's Adjustable Rate Note (the "Note") to WSLLS IpARGO SANK, N.A. (the "Lender") of the same date and covering the property described in the Security Instrument and located at: 1419 INDLPEND�iCB AVS, GRAND ISLAND, NS 68803 [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 3. 250 %. The Note provides for changes in the interest rate and the monthly payments as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Chenge Dates The interest rate I will pay may change on the first day of D$c�sx, 2016 , and may change on that day every 12th month thereafter. Each date on which my interest rate could change is called a"Change Date." (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the one-year London Interbank Offered Rate ("LIBOR") which is the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the London market, as published in The Wall Street Journal. 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. MULTISTATE ADJUSTABLE RATE RIDER - 1-Year LIBOR Index (Assumable after Inftlal Perlod) Single Femlly - Freddie Mec UNIFORM INSTRUMENT VMP � Wolters Kluwer Flnenclel Servlc� NMFLA 8519 (LBAR) Rev. 2/2009 Form 5131 3/04 ` �MP868R (08041.00 L Page 1 of 4