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201210735 (B) The Index Beginning with the first Change Date, my adjustable interest rate will be based on an Index. The "Index" is the weekly average yield on United States Treasury securities adjusted to a constant maturity on year, as made available by the Federal Reserve 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 comparable 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 rate 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 percentage point (0.125 %). Subject to the limits stated in Section (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 sufficient 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 5.625% or less than 2.500 %. 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 been paying for the preceding 12 months. My interest rate will never be greater than 8.625 %, which is call the "Maximum Rate ", or less than 2.500 %, which is called the "Minimum Rate ". (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. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my adjustable 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 questions I may have regarding the notice. 3. MATURITY DATE. The stated maturity of the above described Deed of Trust will be modified to DECEMBER 1, 2042. 4. CONTINUING EFFECT. Except as specifically modified by this Deed of Trust Modification Agreement, all other terms and provision of this Deed of Trust hereinabove identified shall remain in full force and effect. 4. EFFECT ON OTHER SECURITY. All real estate mortgages, deeds of trusts, assignments and security agreements heretofore or concurrently herewith to be granted shall remain in full force and effect to the extent not inconsistent with this Deed of Trust Modification Agreement and shall continue as security for Borrowers remaining indebtedness previously existing until such sum shall be paid, as well as any future indebtedness owing from Borrower to the Lender for future advances and renewals in respect to all sums owing from Borrower to Lender.