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201200451 3. 4. 4. (B) The Indez Beginning with the first Change Date, my adjustable interest rate will be based on an Index. The "Index" is the weekly average yield on United Sta.tes Treasury securities adjusted to a constant maturity on year, as made available by the Federal Reserve Board. 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 that is based upon camparable informatian. The ATote Halder will give me notice of the choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding 3.875% to the current Index. The Note Holder will then round the result of this addition to the neaxest one-eighth of one percentage point (0.125%). Subject to the limits stated in Section (D) below, this rounded amount will be my new interest rate until the ne� Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am e�ected 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 will be the new amount of my monthly payment. (D) Limits on Interest Rate Changes The interest rate I am required to pay at the first Change Date will not be greater tha.n 7.00% or less than 3.00%. Thereafter, my adjusta.ble interest rate will never be increased or decreased on any single change Date by more than 2.0% from the rate of interest I have been paying for the preceding 12 months. My interest rate will never be greater than 10.00%, which is call the "M�imum Rate", or less than 3.00%. which is called the "Minimum Rate". (E) Effective Date of Changes My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. (� Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my adjusta.ble interest rate and the amount of my monthly payment before the effective date of any change. The Notice will include information required by law to be given to me and also the title and telephone number of a person who will answer any questions I may ha,ve regarding the notice. MATURITY DATE. T'he stated maturity of the above described Deed of Trust is hereby amended to J[TLY 1, 2033. CONTINUING EFFECT. Except as specifically modified by this Deed of Trust Modification Agreement, all other terms and provision of this Deed of Trust hereinabove identified shall remain in full force and effect. EFFECT ON OTHER SECURITY. All real esta.te mortgages, deeds of trusts, assignments and security agreements heretofore or concurrently herewith to be granted sha.11 remain in full force and efFect to the e�ent not inconsistent with this Deed of Trust Modifica,tion Agreement and shall continue as security for Bonowers remaining indebtedness previously existing until such sum sha.11 be paid, as well as any future indebtedness owing from Borrower to the Lender for future advances and renewals in res�ct to all sums owing from Bonower to Lender.