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<br /> :-'•,�1,:•F (B)The IadeY
<br />��''i'��},�:,,�:� Beginning with the firet Chenge Date, my interest rato will be based on en Index.Tha"Index"is
<br />_,��%*3":`� the average of interbank otfered rates for six'month U.S. dollardenocninated deposite in the London
<br /> •�'p�'��:' market("LIBOR"),ea published in The Wall Streo4louraal.The most recent Indox tigure available
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<br /> ��`;��� as ot tho first business day of the manth immediately preced�ng thd month in which tha Chenge ato �
<br /> :�}�,�,._�,� occure is callai the"Current Index."
<br />-�;,;;�:`°�'±r , It the Index is no longer available. the Noto Holder will choosa a naw Index that ie based upon
<br /> •• �a' comparable infurmation.The Notc Holder will give me notica of thie choice.
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<br />:':t�. •. ,� (C�Glculstioaof Chwn�es
<br /> '�"` •• Before each Change Date,the Note Holder will catculate my new interest rate by adding�� to tha
<br /> -��;-���;+.� � porcentage point(s) ( E.400
<br />`,�,�;,ti�1:,.�, , .,I X AND 40/100
<br /> =.:s��:,��,'� Current Index.The Note Holder will then round the result of this addition ta the nearest ono-eighthof
<br /> ':'�?''_�'-��.• one percentage point(0.125°.t�).Subject to the limits stated in Section 4(D)below,this roundai amount
<br /> -`-;�r� will be my now interest rate until thenext Chenge Date.
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<br /> '?�`= • ' '' The Note Holder will then determino the amount of the monthly payment that would be sutficient
<br /> - -v� r,.
<br /> �"�,- to rapay the unpaid principal that I em expected to owe at the Change Date in full on the Maturity Dnte
<br />_____�,�`:;``5�. at my new interest rate in substantielly equal payments.The result of this calculation wi116e th� new
<br /> --_��"`'�
<br /> amount of my monthly paymcnt.
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<br />— (D)Limits on Tnterest R�te Chanees
<br /> ��;f�;=4:�� The intersst rate I am reqvi�ed to paY at the first Change Date wili not be greater than
<br /> ---'�::� 13,760 °,{i or less than 10.760 °�b. Thereafter, my interest rate will
<br /> T''``'�`'�� nevar be incr�ased or decressed on any singlo Chenge Date by mora then ono percentage poirit(1.0°�b)
<br /> ������ from the rate of interest 1 have been paying for the precading six montha.M�interest rate will never bo
<br />`����'' greater than 1 e.76 0 °� ar less than 10.76 0
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<br /> _-•-;:-,z=_. !E}F{fec!ive 1�nte�t Chenges
<br /> - ��'�S' My now interest rato will become etfective on each Changa Dato. I will pay the amount of my new
<br /> 1 `°�,�y ` monthly payment beginning on the tirst monthly payment date eiter the Change Date until the nmount
<br /> :�,',� ' of my monthly pa,yment changes again.
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<br /> ;•--""" (F)Notice oi Chan�es
<br />-"� The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the
<br /> � ��.�,.w.:':
<br /> ,,ru;�;;•�� amount of my monthly payment before the effective date of any change. The notice will include
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