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<br /> (C)��C4bt�W10�11KElYl1�i1lC C�Ojq
<br /> Before e,�ch Chu�ge D�te.Leader wUl calculue a aew interest rate by acWing a mirgln of TWO end
<br /> Three / quarters percent�ge point(a)( 2.1500 9�)«a
<br /> tbe Curnat Index and rounding tlrc aum co[he nearesc one-eighth of one perce►►tage poi�u(0.125 A). Subjr.rt
<br />: �a the ILnits ststod in pu�gt�h(D)of this Rider.thia rounded amouat wW be the new iaterest rate until thr,
<br /> aext Chaage Due.
<br /> N)Llmita oo Iata�at Rate C�es
<br /> 'i'be existiag interest rue wjlD never increase or decrease by more than one percentage point(1.096)on
<br /> any single Clunse Due. Tde laten�st rue will never be moro th�n five perceatage points (5.076)higber or
<br /> lowa thna the inIdal interat ratc,au stated in Pangraph 2 of the Note.
<br /> (�CalcdL�lba o[P�yme�t Cluinte
<br /> If the interest nts ch�aga on�Ch�nge Due, I.ender will calculate the auwunt of moathly payment of
<br /> principat md intenat v�micb wwta uo nooessuy iv r�iay '.t,�u„�,:�u N.—��-3—y�t�:�l.�',�:, ;r.�.tt::f i's°r"3:.uz:iy
<br /> Date u the aew�aterest r+ce thmugh snbscanti�(lY�usl pyyments. In making such calc�aatlon,Lex;der wilt uae
<br /> the uopaid Princip�l b�laooe wbich waild be owed ou the Cd�nge D�te if thcrc had beea ao dcfoult ut paymcnt
<br /> an ahe Note.reducod by tLe unount of�nY Pnpaymenu ta princlpal.The resWt of this c�Jculatioa wi!!be the _
<br /> � xacKrunt of tLe nevv moathlY paymeat of princip�l aud intecwst.
<br /> (F)N�Mke ot Ch�ee
<br /> ; Leadt.7 will give naice to Borrowu of�ny chmge in the interest tate aod monthlY pryment ama�mt.The
<br /> � not�ce must be givea�t leau 25 daya beforo the n�w montlily paymeat amount ia due.ead must set forth(i)tb�e
<br /> � da�of tLe naice. (ii) tLe Chmge Date. (iii) the old interat rue. (iv) the ncw intereat rue. (v) tha nevv
<br /> montWy Qayment auwuat,(vi)the CS�rrent Index�ad tLe due It was publis6od,(vii)the method of c�lwluing .
<br /> { the cb�mae ia monthiY P�Y�t�ma�nt,Knd(viii)�ny other informttiar which may be requirod by law from
<br /> • time to time.
<br /> 1 (G)E([eett�e A�te o[G�ea
<br /> A new intaeat rate calculuod ia�ccord�nce witt� pu�hs(C) and(D) c�f thle Rider will become
<br /> effective oa t1�e Change Due.9orrower shall m�ice a payaxnt in the ncw monthly amount beginning on the
<br /> fust p�,ymeat date which oc.cucs at l�ut 25 days after l�erdtt h�a givca Bomower the naia of changsa
<br /> requi,red by par�gc�h(�of thb Rider.Borrower shall have no obligatlon to pay any ira�eau in che menthly
<br /> paymeat�mount calculued in�000i+d�a with p�ragrnph(�)of this Rtder for�ay paymeat due occuning leas
<br /> �han 23 days after I,ender tm givea tl�e requIred nc�tice. [f the monthlY P�Y�t amount cilcul�ted in
<br /> axordanoe with Par�graph(E)of tRb Rider dec�.but La�der failed to give timely aotiae of tbe decraee
<br /> and Borrower made�ny mont6lY P�Yraat �mouats e�caoding the paymeat umunt whkh ahould have beea
<br /> st�tod t�n a timely notioe.then Bor�ower t�t6e optioa to oither(i) dem�ad the return tu BorroNCr of�ny
<br /> exaxss p�yma►t,with interest the�on at the Note rate(a rate equal to the interat rate which should have bcen
<br /> � stated in a timely notice),or (ii) rcquat thu any exass payment.with interest tLeroon at the Note rate.be
<br /> applied ss paymeat of princip�l.L.ender's obliguion to retunn any exass payment with interest on deuuad is
<br /> not a�.sign�blc even if the Noto is othenvise�ssigned befon the demmd for return is made.
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