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201204986 (�) T6e Indez Beginning with the first Change Date, my adju�table interest rate will be based on an Index. The "Index" is the weekly average yield on United Sta.tes Treasury securities adjusted to a constant maiurity on year, as made ava.ilable by the Federal Res�rve Board The most recent Index figure available as of the date 45 days before each Change Date is called the "Current Index.". If the Index is no longer available, the Note Holder will choose a new index that is based upon compazable information. The Note Holder will give me notice of the choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest ra.te by adding 2.50% to the current Index. The Note Holder will then round the result of this addition to the nearest one-eighth of one percenta.ge point (0.125%). Subjeet ta the limits stated in Sectian (I3j beiow, this rounded amount will be my new interest rate until the next Change Date. The Note Holder will then determine the amount of the mon�ly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in fu11 on the Maturity Date at my new interest rate in sub�ttantially equa.l payments. The result of this calculation will be the new amount of my monthly payment. (D) Limits on Interest Rat� Chang� The interest rate I am required to pay at the first Change Date will not � greater than 4.50% or less than 3.25%. Thereafter, my adjustable interest rate will never be increased or decreased on any single change Date by more than 2.0% from the rate of interest I have bee� paying for the preceding 12 months. My interest ra.te will never be greater than 8.25%, which is call the "Maximum Rate", or less than 3.25%, which is called the "Minimum Rate". (E� Effective Date of Ch�nges My new interest ra.te will be.�ome effective on each Change Date. I will pay the amount af my new monthly payment beginning on the first manthly payment date after the Change Date until the amount of my monthly payment changes 3. 4. 4. again (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my adjustable interest rate a.nd the amount of my monthly payment before the effective da.te of any change. The Notice will include information required by law to be given to me and a.lso tlze title and telephone number of a person who will answer any questions I ma.y ha.ve regarding the notice. MATURITY DATE. The stated maturity of the above described Deed af Trust Remains at MAY 1, 2Q29. C�NTINUIIeiG EFFECT. Except as specifically m�dified by this Deed of Trust Modifica�on Agreemen�, all other terms and provision of this Deed of Trust hereinabove identified shall remain in full force and effect. EF�'ECT ON �THER SECURITY. All real estate mortgages, de�ds of trusts, assignments and security agreements heretofore or concurrently herewith to be granted shal� rernain in full force a�d effect to the extent �t inco�sistent wiith tlus Deed af Trust Madification Agreement and shall continue as security for Borrowers remaining indebtedness previously existing until such sum shall be paid, as well as �ny fut�are indebtedness awing from Borrower to th� I�nder for ftxt�re adv�nces and renewals ia respect to a11 sums owing from Borrower to Lender.