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<br />-:t: '. � ' ' • . geg{nnipg with the firsE Changa Date,my interest rate will be based on an Indes.Tha"Iades"is , U ..<._<
<br /> the average oY interbank offered retes_far sis-month U S.doltar-denominated deposits in the London --�:`,-
<br />.'. _ .:. .
<br /> ' `� . '` '.'( market(°LIBOR°}.as gublished ia The Well Sireet ionrnaL Ttte most recent Indes figure availabte .'•=-•---
<br /> � � as of the firet b�.sinea�daq of the month itnmediateIp preceding the manth in which the Change Date _ �`�_�`�
<br /> ,� • • `:� occurs�called the"Ctmentlndes." ;:�
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<br /> � •�,• s� • jq�e�nctes is nn longer available.the Note Holder will choose a new Indea tUat ia 6ased upoa __
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<br />� compatable iafosmation.The Note Holdes wi11 give a�e notice of t}ris chaice. � ,��:_
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<br /> �;,.-`,;.,: ° (c)CalculatioaofCSanges �:-°_�,
<br /> ' Before each Change l)ate,the Note Holder will calwlate my new intere.aE rate by adding '" �=-`
<br />_� � ,� . � sev�tu aa� �e»oo �r�ent�gepointts)� �.a6a �f �� ".''°;�
<br /> . ����.- � Current Inde�Tha Note Holder will then round the result of this addition to tha nearest oae'eigbth of ��=-�-� F+
<br /> �' � ,. •�C oae percentage poiat(0.125%�.Su�je�t to the limits atated in Section 4(D)belaw,this rounded atnwat � �.
<br /> .,4 � � � .M.:�a: . ., . . � . . . �".�:.I;.�
<br /> :,�� will be mp new interest rate until tha neat Change Date. .
<br /> .�. ,._.-
<br /> �` ��- .' . -. .`.'y , The Note Holder will then determine the amount of the moathlp PaYment that wauld be aufficient, ' �`.
<br /> � to re,pay the vapaid principal that I am especced w owe at t�e Change Date in full on the I�Raturity Data ' ----
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<br /> ":'.' %' - ; 1 f;i � ments.The res�tt af tbia catcvlation wiU be�the netiv . �1
<br /> �, . � : :.� a&r�y sie�u interest rate in substantisllY�N�PaY .
<br /> � •.;,��•..' '��� •' amount of mymoathiy�paymeat. , . • �'
<br /> '"�, '- , :�� (D)Limi4s an Iaterest Rate Cha� � � �j
<br />_4y�rSt,r � •}+ �_i�_�_�
<br /> �' " The iaterest rata � am re�uired to pay at t3�e �iist G'�ange Date �vi�i not be greater tbaa �,- .�
<br /> � .�' ' , � %. �herea4Eer, ffiy iaterest rate will �
<br /> ' , � �4.900 ' %op les�thau S 1.900 , �_---
<br /> �� . ,. :' � ,�.�`!: never be increased or decreased oa any s�►gle Change Date bq more thaa one percentage poiat(1.0°!0) � . - ---
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<br /> ;�. �' .'�� ; `'. •�� fr�nm t ha ra t e o f in t e r e s t I have 6eea p a yia g Yor the preceditig sis months.My interest raxe will never ba . �. -':ir'
<br /> � • greater thaa t7.eoo %or tess thaa t 1.900 %. ;:. __-.�_�.
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<br /> . ��.. ,;; ' {B)Effective Date o��ttaages � '
<br /> � � . ',,��.��'�; � My new interest rate wili become e4fective oa each Change Dats.I will pay the siaount oY my aew � • �`�;�;1:��
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<br /> . , � monthlp paym�nt begi�ing on the firet monthly payment date after the Changa Date until the amount �
<br /> � �, ,� of my manthly Payment changes again. ' �
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<br /> •. : �.- i•: (F)Notice of Changes � -_
<br /> �: ...,�. .� � ��' Tha Note Holder witl deYiver or mail to me a notice oi any changes in mp iateresc rats and the
<br /> ��` � � amount of my mantbly payment before the effective date of aay change. The notice will include -
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