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<br /> ".,�.•r �, �egi�ing witD tlie first Change Date„my interest cate will ise b�al on an Indes.Thc"Im3es" is
<br />- ::�Y,<<�.'...;,'',` � the average af interbaak offered rates for six'month U.S.dolIardenominated deposiLs in the Londan N�... /;`
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<br /> :' � marlcet("L�BOR").as published in The Nall Strest IonrnaL T�e most recent Iades figure availBMe 1 `.
<br /> �����`'.�,'� ,`��'. .� as of the fust busiaess day of the month immediately prxeding the month in which the Chsage Date r: .�_
<br /> - = accurs is called the"Current Indes.' �`�
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<br /> �' •�' If the Indea is ua Ionger available,the Note Holder�vill chaase a new Indes that iS Iiased upan . -��'�`
<br /> �� ; '` ' comparable inforinatfon.The Note Holdet wi11 gi«me notice of this choice. ' � ; �=
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<br /> '� •``�:-�'�' Before each Change Date,the Note Holdes will calculate mp nerv interest rate�}.�9iqg ` "
<br /> .,,,:.
<br /> � •.. SIK AND 95I100 percentagepoint(s)( �,��_p %a� tothe
<br /> � �•.� Cwrent Indea.'The Note Hulder sviil then round the result of t6is addition ta the nearest ane eightA of ,
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<br />_�����'<<�` � ,_:;;_ ' one percentage point(0.1?5%).Subject to the limits stated in Sectioa 4(D�•'.+elow,�ds rntutded amouat ,�'��`
<br /> `�J'�' . will be my new ir�terest rate until the neat Change Date. , ,.u
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<br /> - .' T&e IVote Holder will then determine the amovnt oi the moathly paymeat tl�t�wantd�'b�esnfftcies�t -
<br />- '""` to a the un aid ci al that I am ea ected to o�ve at the Chan e Dae��a fu}licm,th�Moturitg Date ��
<br /> �f�; ' �'eP Y P S� P P 8 ,
<br />_ ,E:,. . . ; at rny necv interest,�e�n svbstantially equal payments.The t�esult of�.s��alt�ioa.wiA ire t��r� '• ;,
<br /> _ 'u ' ,` . amouai of my m�-�y�aymeat.
<br /> . . . �Y'-
<br /> . �� �.� (D)Limits on lntereat Ra�+Chaages ,. .
<br /> �^�'� '�` The interest sate I am required to pay at the fitst Change Date saill�riqt ba greater than i�t '
<br /> `' t o.es0' %or less tuan g.ebo %_ Thereafter+;my�. iateress rate;�ill ' , ?�.
<br /> ,.,,'.�.;` �•' ",:� ' nevet be incteased or decreased aA any single Change Date by more than otrs,patcentf.tge p�int(T+_0°!n) i..;�`,�;
<br /> � :��{� ' from the rate of interest I have beea paqing for the preceding sis moAths.M�,i�tteceatrata wiil never be
<br /> y,� � :c�•• . gceater than 98.860 %or less than g.B60 %•.
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<br /> 'i��'-:' . .''`;:r� ;' . • {E)$ffective i`.����e of CAaages " � a-: -
<br /> _ , .. •. � �,•� My ne�v interest tate will become effective on each Chaage Date.I wili p3y�tti¢ammvnt oF my new ��•��
<br /> •.° ���f',;:� monthly paymeat beginning on the first monthly paqment date after the Chat��ate until nbe amovnt �'�"�
<br /> - - ' �.���:3�t'.�:•• of mv monthly payment c�anges again.
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<br /> = . � (P)Notice of Changes �
<br />_ �• : � . � '•�;r;�j ' '_ The Note Hotdet wi11 deliver or mail to me a notice of any cha±lge�in my iAttmrest rnte�ud tha �;..','
<br /> •� � . .�:��`:`�:,� amaurz*_of my monthly pay��•.before the effective dax of any rh.�.�ge. Th� natio�will�include
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