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<br /> •�,����-� �7_ i��
<br /> conuant naaturtty of orye year, as mde av�iltble by tl�e Pcd�eral Rcsme Ba�rd. "Gtirnnt
<br /> Lidez" means tLe most ncent Indea Rgure nvailabl� 30 daya before tbse Ch�»ge D�te. If
<br /> the 1nd�ex (� defined above) is no longer avdlibk, Lender will use�s • new L�dex u►y
<br /> index prt�xrIbed by the Secretary. .+�used ia thia Rider. "5ocret�uy meana the Sec�+etuy oP
<br /> Houaing und Urbea Development ar bia or her deaigna." I�ender will give �orrower
<br /> n�tice of the new Iadex.
<br /> (C)C�kulattan of Interqt Rate C6s�n�ea
<br />. Befo�+e each Cb�ug�Date� Lender wIU cilculate�e rxw interest rate by addin8 A�8�
<br /> oY T�ro and 750/1000 penCenWge point(s)
<br /> ( 2.75 0 9(i) t0 tUE Gtilii+eut Index and mu0ding thE sum W the nqu+est
<br /> one-eighth of one pe�ntage point (0.12596). Subj� w tl�e liinita spood inpux graph(D)
<br /> of this Rid�r, this rounded amou�wlll be the new i��t r�tc w�til ttn next Chinge Date.
<br /> (D)Lfmlta on Intereat R�te Clnn�es
<br /> The eaistjng ii►tenst rate will never incre�or decrease by m�re th�u o�perceatage
<br /> point (1.0�) on eny aingle Change Date. T6e intsreat nte will niever be more than five
<br />- pcn� ge points(S.096)higher or lower tt�n the�niti�l interest rate, �s stat�ti in Yuagraph
<br /> � 02 f th Note.
<br />' (E)Cakulatbu ot P��►ment C .
<br />� If tbe inten�t rua.cl�nges oa�t�e Date, Y�ender will calcuUte tbe ama�unt of �
<br />� monthly payment of� �nd interest wh�ch would be naxeaary to repay �e�u�d
<br /> � princip�l b�Lnoe in u the 1VLturIty D�te at tlae new intereat rate through w y '
<br /> eqwl piymarts. Ia mal�qg auch c�kW�tlon, I�ender will use the unp�id princip�l bail�ace
<br /> , wb�ch would be ow�d on tbe Chu�ge Dite if there had been no default in psyment on the
<br />:.� Nou, reduced by th�e�mou�of uryp�p�ynte�MS to principal. Tl�e raalt of thia c�l�on
<br /> wi��be the�mw�of th�e new montbly p�yme��t of Qrincipnl a�intereat.
<br /> (P�Nodoe ot Clu�a�a
<br /> � Lender will gtve n�o�ce w Borrower of any ci�nge in tLe i�tereat r�t�e a�l modhly
<br /> � I�►Y� annc�►um. Tl� notice must be given u la�st 25 daya befae the new uanothly
<br /> �. pn�►�ncnt amau�nt is due, �nd muet set forth(i) Rhe date of the notkx. iii) th�'Ch�a6�Da�e.
<br /> .� (�ii�the oM interert nte, (�v)tbe ncw iaterat rAte, (v) the new monthl payment amouat,
<br /> �r ����e in mont�l� �nt xmount. rmd(viii�� otli, infor,nsdonf w� b� -
<br /> .� n��q�c+ed b3'btw fro a diooe�tinoe. y
<br /> 1 (G)Fltecthe D�te o[Chan�es
<br /> 4 A new ia0ec�est s�e c,�lcul�tt,ed in acxotdmee w ith paragrap h s (C)a n d(D)o f t h i s R i d e r
<br /> w�li become effxtive on the C1�nge D�e. Borrower slnll maloe a psyment in the nerv
<br /> ; mbnthly amount be$inning on the fustp�yme� dxte wh�ch occurs u la�st 25 arys atter
<br /> � Lendrr hs�given Borcower tLe mtia of chuwges required by paragr�ph(F) of this Rider
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