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<br /> Beginning with the �rst Ch�n�e Date. my aulJvs�ble intereat rate will b�e ��I.on an
<br /> Index. The "Index" is nhc wak�y average yield on United StAtca 'Tr�asury e�urides
<br /> acijusted to a constant maturiry of 1 year� as made av�flable by the �acierat Reserve �oetd.
<br /> The moat recGnt Index figure avallable as of the date 45 d�ys bef�rz each Ghange Date ia
<br /> caDlod the 'Current Index."
<br /> If the Indea is no loager available, the Nooe Hdder will chooee a aew [�ac th�t is
<br /> bASed upoa comparable inforniation.The Note Holdtr will give�e notice oi t6ia c@r�icc.
<br /> (C) CAk�u)adofn nf Chanses
<br /> Beforc each Cliangc Date, the Nota Holdcr will calculate�►y new itttcr�st rxte by
<br /> adding TNO 1►1�D TBRSS-S�tlutTi7ts perccuraga point(a)
<br /> ( a.7 50 96) w the Current Iadex. Tha Note Holder will then.roucnd dtr result
<br /> of this addition w tue nearest one-�ighth of c►ne percentagcp�int (0.12596). S�nbjcct w the
<br /> Iimits stata�l in Secdan 4(D)belouv, this rounded amount will be my nea i.nterest ra0e until.
<br /> the next Change Date.
<br /> The Note Holder will thsn determine the amount of the montltly p$yancnt that would be
<br /> sufficient w repay the unpaid principal that I am expected to owe at the Chunge Data in full
<br /> on the MAteurity Date at.my new iaterest rau in aubstantia[ly r.qua! �raymcata.Thc rrault of
<br /> � thia calcutution will be tne new amount of mv moniniv Davmeni. °
<br /> ; (D)Limltsi AA IAterest RAte Ch�ufal4 � - - -
<br /> � The intere.st rate I am required to pay at tl�e first Changa Dut� will not be greater
<br /> �aui 8.6Z5 96 or less than 4.635 �I,. Tt�cresflter, my
<br />, adjustable interest rate wlli never tv�increased or de�re�sed un any aingl��Change Late b
<br /> man than TNO �a�+ccntagc point(a�
<br />� {�. �) from the rate of intarrst I ha�rce b+xn payang for tbe
<br />�i preceding 12 tnontl�. �Sy incerest rate will nevec be greater than�9.6�5 96,
<br />= which i�called the "Maximum Rate."
<br />_ (E)Et[�e D�te of C6Anges
<br /> = My naw interest rate will became effcctive on each Change Datc. I wi�t�ay thc amount _
<br /> = of my new monthly p�►�rment begfnning on the first monthly paymcsnt daM a�fter die Change
<br /> � Date until tl�e an�unt��'nuy mondily payment�haagea again. �
<br /> (Fj Nodce ot Cb�►�
<br /> �. The P1ote Holder will del�vcr ar mail to me a notice oF any c9 iu �ty adjuetable
<br /> ut
<br /> �f inte�'tst txte end the aawun�� �af ine�y monthly paymec�t before t�tc e tctivc dax of swy
<br /> �� chaage. The aotice will �nelude iuforcnnuon requ►rad bp l�w to be•g�trrn me and also the
<br /> � tide and tetephone numhkr of a person who will answer any qucatfl�n I mu�r have regarding
<br /> the natioe.
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