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201205645 56709083646612 EXHIBIT "A"(CONTINUED) (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the average of interbank offered rates for six month U.S. dollar-denominated deposits in the London market ("LIBOR"), as published In The Wall Street Journal. The most recent Index figure available as of the first business day of the month immediately preceding the month in which. the Change Date occurs is called the "Current Index." Ifthe Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation •of Changes Before each Change Date, the Note Holder will calculate, my new interest rate by adding SEVEN AND 2 5 0 / 10 0 0 percentage points ( 7.2 5 0 to the Current Index. The 'Note Holder will then round -the result of this -addition to the nearest one-eighth of one percentage point (0.125%). Subject to the limits stated in Section 4(D) below, this rounded amount will'be my new interest rate until the next Change Date. The Note Holder will then determine the amount of the monthly .payment' that would be sifficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) Limits on Interest Rate Changes The interest rate I am required to pay at the first Change Date will not be greater than 11.550 % or less than 7.250 Thereafter, my Interest rate will never be increased or decreased on any single Change Date by more than ONE AND 0 0 0 / 10 0 0 percentage point(s) ( 1.000 from the rate of interest I have been paying for the preceding 6 months. My interest rate will never be greater than 14.5 5 0 (E) Effective Date of Changes My new interest rate will become effective on each Change Date. I. will pay the amount of my new monthly' payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. (I) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given to me and' also the title and telephone number of a person who will answer any question I may have regarding the notice. 5. BORROWER'S RIGHT TO PREPAY See attached Prepayment Rider. I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a "Prepayment." When I make a Prepayment, I will, tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under this Note. I may make a full Prepayment or partial Prepayments without paying any Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note. However, the Note Holder may apply my Prepayment to the accrued,and unpaid interest on the Prepayment amount before applying my Prepayment to, reduce the Principal amount of this Ndte. If I make a partial Prepayment, there will be.no changes In the,due dates of my monthly payments unless the Note Holder agrees in writing to those changes. My partial Prepayment may reduce the amount of my monthly payments after the first Change Date following my partial Prepayment. However, any reduction due to my partial Prepayment may be offset by an interest rate increase. 6. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with this 'loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me that exceeded permitted limits will be refunded MULTISTATE ADJUSTABL RATE NOTE-LIBOR SIX-MONTH INDEX(AS PUBLISHED IN THE WALL STREET JOURNAL}-- Single Family-Famue Mae Modified Instrument Page 2 of 4 Form 3520 1101 3