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<br /> (I Yct�rtrra�ury Index•R�a��pA
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<br /> , the wmt d+u itvrn br ihe undn�i{ned Ohe"Ibrrover'7lo Secvw Oo�rowu's AdJafl�ble RAe Note(ihe"Noie"1�o y?!l�f�2�M1J.4�8tlQ ., arar --;
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<br /> I�NAj(QGhe"4endee`1 nt the Hcte dae�nd corttipt the pro,tnY deNribed In Ihe Seturl�Y ImtrvmMi�nd Ia+1ed ar. ���;�;�j
<br /> , 917 W. LOl1I5E. GflI1N0 ISL(IND_,LJE�3RRSKl1 60001 �'.��� ____
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<br /> aDD1T1OtiAE CQYENAHIS.[a ad9Qon to J�c eov�n�nu�nd agrecmenu made in�ho Sttud�y InU�caeae,B�rto*tt aM Lender ��`'�i?�k��:^_�,
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<br /> 'f'h{�Ivr.Provida fot an Inldsl tatemt nte ot Ti.SttUOn 4 oF ths Note D�ow!Qcs fnr<hnege�in tix in:erest�atc aai the �,:;�,;iF.r:=-
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<br /> �&dncinpwWlththeOrslChmgCUale,myinterut�alewillbebasedonanlr.d<a.The"Indcz^Is�Aexaeklya�arag:ri��donUniltdS��la F;y��f+'
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<br /> Treasury secudt(a adJusted lo a eo�uunt m3tudiy of I yar,as m�de arallable Fy�he Fadual Resenx Ibard.Tta mo�i raam Inda figure -
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<br /> avall�bleu o(the d�te IS days befortach Chma��ate Is nihd�he"Nrrmt Index." .:..
<br /> If the index is no long�r ara(lablq�he Note Ho!der will choose�new index which is based uyon mmparable Inlo�ma�ton.7he Nme ��;��:_?°_-.
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<br /> &foreachCh�naeDUe,theNoteHolderwi11a1culatemynewinurcstratebyadatns nb �M1� �NE-tipl�—peranuge -��;},i�„�,_.-,.
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<br /> p01nISL �-F _KQfotheCu�rcntlndtxandroundinglo�her.r�rls�li8ihoflR�,subjtttro�neiimi�sna[cdin5tt�iond�Djuciow. y
<br /> 'Itds rounEed amoum will be my new(nterat nte umil�he nul Change Dau. ,ff�"`�'��}�,-�
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<br /> The Nota kfo7Aa vill thm detemJne�he a.monm of ihe momhly p�ymem�ha�woald be suffidmt to repay tn lutl ihc p�incipal l am i�%;,(::s/,t�-�;i+#:�
<br /> apec�edtooweonthmChan;eDaminwbsinmlatly�qualp�ymemsby�hemarodiydmea�myncwimerrstreie.Thercsultotihhuticuh�lon �'�°+*��S>:�`����
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<br /> 7he Inkrat r�te 1 am �equited lo p�y a1 ihe llrsi Changc Dac will not be ereaicr �han �•z5 5S or lus �Aan ;f��i��y' �'. �-�
<br /> �.75 4y,Therea�er,mylnurulrettwfllnerttbetncrtascdardarsasedonenysingleCh�nBeDateUymorc�han T�'n �Gti,��=��;�_µ'.
<br /> .J,2.U(E.�—fromlherateoflnterullhaveM<npayingforthtpnttMlnB�weh�emomhs.Theminimu:ninttrcstmteon�hisloanwllinwerbe �" •���•��---
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<br />= luslhm 3.75 _SiandlheinuimumiNercsirmexillnt�xrbeBrwterthan �-7F !'�. .�^y-�ir'�•-��`.='
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<br /> Mynewinurcsuatewi116ecomecffectireouachCh�ngeUate.Iw111paytheamoumofmynewmoeihlypa�membeginn(nROniheOn� �,,�L•y-(if3S�=.�
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<br />- moNlilyDaytnenlda�.aRCr�heChanS<Uafeumillheamoumofmymomhlypaymcntc6mgesagain. i,.+r�_`��.-A_:
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<br />- TheNolCllo:dawillmailordelh�trtomcano�iabeforeeachChangeDa�e.Thenmlauilledvfsemeof: � �;t,��
<br /> - (ry �henewimutummonmyloanosof�heChangeUatt: �lY��
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<br /> pry theemoumofmymonthiypa>nemfoilowing�heChar.geDO�r, ,c.;'�s,'�''�
<br />= (Iiq anyadditionalmeturswhlch�heNOleHoldarfsrcquiredtodisclost:�nd •. �' !?d::_:.-�
<br /> _ (iv) �headdressof�heassocia�ionyouconldcon�actrcgardineanyquationsabounheadjus�menuio�ice. ���•�-$ �'
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<br />•• �. Chusn;[Jens.Oorrmrershallpayalllaxa,ounsmenls,andotherchargn,Ones,endimponniontamiba�ab!e�ol�ePmpt�q-whichmay � !',�t;� �:
<br /> = ntlnlnaD��o���Ymtnh!sSttvrilylnstmmtm.andleastholdpa�ynemsofgroundt nu,ifany,(n�htmanaerD�a��Jedur,CrrNn�nDh2h<r<of ^ ��5;(`j
<br /> ` or,If not pafd in aucL manner,by�armxer making Da)meni,uhan due,direaiplo�hc paycolherrnl.13o�mxor sh�lf C�er..��ly Iem15h Lend<r '{���;:'--,'.-L-
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<br /> = ali notitts of amoanu duc under thfs paragtaDh,and In Ihe atN Uonow�r shall mak<paymrnt dhttiy'.Oo�roxrr sha7 prcmC�l•'furnieh lo t'�y�;Y��.:.:
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<br /> , Lendu rceelpts n�idtrcing such paymtnu. Ilo�roatr shall promp�y dixha�ge any I¢n whi<h hac q!only o�e �hn Snnrn; laenumem; �y. y`-
<br /> - hw�'ever.6orrower sNli r.ot ba u�utted lo discharge any such lian so Im�g as Rmrowtr.(a) aha:.aF�K�n w.�rg•e Ne pay^tnt of Ihe -�q� i�
<br /> . obllgalioa s<cu�N b�scch lirn m tht manne�r:ttf��E!e m I tnder.lh)�hail in poN fa�iL.omn�wch UanM1y,c•:'.:: :.^.?a.r��enfo�c<ment o( .���Yx� -y _�:
<br /> - suchlimin.irgalprc.<edingswhichintheopininr.of!<ndaopn3m�op�nemiheemoaemrmofihe6anmfo:':�..'::'�`�ProxnYO�any �f����- `.�
<br />.- Cxrt QRrmh or(cl•hall s�ne trcm th<Lolda n!s�:h lim n.-a;":c:ncnt m a fo�m u��.fmcen to Lmdrr wMNma:irg.�_*`<a w�hu i:'.�.�'. :
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<br /> : I:L�ndu de�rtmm�ihaz a..:'��.yen.•.•e I..cn.,y� � ; . '
<br />-� Ler.CU shall gi�e B:•co,.er a nm�:e�tenui.-op:s ::n U.�rtr+a�hall�a�nl.w:h Lrn or ta�e cne w mc:c of�he a.un..tl lonh aFu�e i�
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<br /> C. >UTICE � - .
<br />�- UnifnmCOrtnaml�oflhe5ttun:�Ir.�vumcnnsaser.eeA:r::�.:,.•foilon+: ��
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<br />.. 1�. !�olin.Excapt for anY noutt r<9uutd under affhcabie hx�o be gicen m ano�he�manne�.lel an.noi�w�.+&vw�a pw.Wed fa�m v.r. �
<br /> - Sttariry Imtmmm��h�Il bt F�•en 6Y JdivennF nm F�r..ailing fl by fi��lda>s miJ lo tlouo.aa al�he Propen�Tddreu ot a:wah o�hct add�e�a
<br />��� ss Dorroatt maY dn�pnat<bY m��ce ro 1 enCa u p:oudM F<nm.and Ibl an�noii<e�o Lrndor shali n gnau h.4n�aiu+mad�o L<nLc�'a 1
<br /> addrnsua�tdht�cinenosu:he��e�adJUSSasL<ndnr,na�CcnFnueb��r.otitttallo�m•.erasprnvdtdM1ercm.Amnov:e0�o•�dN(onntnu �
<br /> Seeuri�Y Inslrummt sh�il bt dttmcd to ha.e Fe<n F�•m m Fiorro-+a or LtnE<t when gnen in the mannm dniFna�N hcre�n i
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