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20110962� (B) The Index Beginning wit h the first Change Date, my interest rate will b "Index" is the weekly average yield on United States Treasury constant maturity of five years, as made available by the Fecieral recent Index figure available as of the date 45 days before each "Current Index." e based on an Index. The securities adjusted to a Reserve Board. The most Change Date is called the If the Index is no longer available, the Note Holder wrill choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation ofChanges Before each Change Date, the Note Holder will calculate my new interest rate by adding Two percentage points ( 2. 000 %) to the Current Index. The Note Holder will t hen round the result of this addition to the nearest one-eighth of one percentage point {0.1 25% ). 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 wil I 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 wil I be the new amount of my mont hly payment. (D) Limits on Interest Rate Changes The interest rate I am required to pay at the first Change Date will not be greater than 5.375 % or less than 2.000 %. Thereafter, my interest rate will never be increased or decreas� on any single Change Date by more than two percentage points (2.0% ) from the rate of interest I have been paying for the preceding 60 mont hs. M y int erest rate will ne ver be greater than s. 375 %. (E) Etfective Date of Changes My new interest rate will become effective on each Change Date. I wi II pay the amount af my new monthly payment beginning on the first monthly payment date after the Change Date until the amount of my mont hly payment changes again. (F) Notiae of Changes The Note Holder wil I deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice wil I include information required by law to be given to me and also the title and telephone number of a person who will a nswer any question I may have regarding the notice. 111 10237 24 MULTISTATEADJUSTABLE RATE RDER -5 YEAR ARM Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT VM P � VM P865R (0805 ) Wolters Kluwer Financial Services Initial . �� Page 2 of 4 1111 02372 4 Form 3131 1/01