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<br /> r..i�L��rLRAT ���s��pwa�s�s� nw�w��•wwr�
<br /> - � 97- 106'763
<br /> cs�'n�r�a�
<br /> geginning with the 5rst Ch�nge Date, my ad]a�table interest rnte will be based on an Urlex. The
<br /> 'Iadex" is the weekly average yield on United States Trasury securiaes adJusted to a contitaat uuturlry of
<br /> 1 ypr� s4c made available by tde Federil Reserve Bo�rd.The most recent Indea figun avul�ble�s of tLe
<br /> date 45 dAys 6efocc each Ch�oge D�te ls called the "Ctirnnt Index."
<br /> If tl�e Iudea is no longer avAil�ble. tlus Note Holder will chaose a uew 1� tlntt is b�setl upan
<br /> a�mpusble Inforniation.Ttc Note Holder will glve me nodce of this choice.
<br /> (C)Calcul�tion o[C1nn�
<br /> Before eACh Cdange Date.tbe Note Holdar will calcul�u my aw interest rate by adcliag
<br /> 11�0 7�1TD TE[�!-QUAATfRB P���P���e)
<br /> ( Z.750 ;6) w the C�urent Iaiex. The Note Holder witl theu round tbe r�vlt of ttds
<br /> addidan to the aearest one-eighth of one peruntage point(0.125�).Subject w tLe limits statal in Section
<br /> 4(p)below.this rouoded aawunt will be my new interest rxte anW the next Ch�nge Due.
<br /> � The Nate Holdcr wiU thw detem�ine the amouat of the monthly pxyment that vowld be s�fficlent to
<br /> repay the unpaid priaciptl th�t I aat cxpected ta owe at the ChAnge Due in full on ttrc M�turity D�e xt my
<br /> uew intr.rest r�te iu svbsawtiallY eqw�l Paymients. 'Ibe r�ult of this calailation wiU be tLe new�maunt of
<br /> my uwntWY PR���
<br /> �'� (p)Umffs on Inta�est Asde Chan�es
<br /> The iateirst rate I �m requu�ed w p�Y at tLe first Chtnge Date will not be grauer ttna
<br /> � 7.875 ;6 or less than 3.875 �. '1]�ortafter,my adjtutabk intenest
<br /> � ruu wlll n.wer br incnased or dcereased on xny single C6�nge Date by mom tlnn s'M�
<br /> perceutage paiat(s)
<br /> ' ��. 96) from the rate of interest I 6ave bcen paylag for the proceding 12 month4.
<br /> ', My iuterest cxte will uaver Lc gr�Uer tLenii.075 °�whiCh is cslled the'Maai,mum
<br /> � R�te."
<br /> �; (E)Eifedise Date of Chwn�es
<br /> '' My aw interest r+te wiil become effecave on each Ct�nge Date. i will pty the amount of my new
<br /> '� momhiy p�yment beginniag oa tLe first montlily p�yment daoe after the Ctu�nge Date until the�unouat of
<br /> � , my montWY WY�t��8�aE�
<br /> (Fj Notloe of Ctun�a
<br /> Tbe Note Holder wiU dcliver or mail to me a n�tia of wy clunges in my uljustablr interest rate and
<br /> the omount of my montLly pa}munt before the effxdve date of wy change. TLe nodce will include
<br /> informadon tequlned by law to be given me swd also the title And telepho�number of a person wLo will
<br /> at►vw�er�ay questton I may t�ve ngard[ng the nodce.
<br /> . B. FIXED IIV'IEItEST RA'IE OPTION
<br /> The Note provides for the 8orrower's opdon ro convert from en adjustable interest rau with interest
<br /> rate limits to a fixal interest rate,as follows:
<br /> Initi��:� "�
<br /> �s46U 197061 Pay�2 of 5 Form S11a 1188
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