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��14��334 �B}The�nd�x seginn�ng with tne #ir�t �h�nge �a�e, my inter+�s� rate v��l b� bas�� an an In�ex. The "lndex" is the weekly average yield nn United �tates Treasury securities adjuste� to a canstant maturi#y �f vne year, a� m�de available b� the �ederal Reserv� Soar�1. The mast ��cent �n��x f gure ava��abl�e as �f �#�� a�e 34 �ays befo�e eac� �han�e Da�e fs ca��e� the "�urrent �n�ex." If the Index is no �onger ava�iable, the Note Hol�er �ri�l use �s a new inde� a�y �ndex prescr�be� by the Department of Veterans Affiairs. The Note Ho�der will give me natice of the ne�I ndex. �G� �alcu�at�onof Changes 8ef�re e�ch �hange aate, the Nate Holder �rill calculate my n�w in�erest rate by ad�ing T�vo and No-Thousandths pe�cen�a�e points � Z.��Q°Io3 tc�tk�e Current Inde�c. The �to�e H�I�er will t#�en �oun�the resu��of this addit��n to the nea�est one-eighth of on� percentage paint ��.��°/a}. 5ub�ec� �o the limits stafied in SectiQn 4�D} be�ovv, this rounded amount vvill be rny new interest rate un�il the next �hang� Dat�. The Note Hfll�er ►�ill then determine the amount �f the mon�hly payment that woul� be sufficient ta re�ay �he un��id principal tha� f arn expected ta owe at the Ghange Date �n fiull on the ma�urirt� dat� at m� new in�erest rate in substantia��y equal paymen�s. Th� resuit Qf tnis calculation wili be�he new amaunt af my rnonthly paymen�. [D} L�imits on Interest Rate�hanges The interes� rate � am requi�ed ta pay a� th� first Ghange Dat� will not be greater than 4.25� °Io or I�ss than 2.�5� °/o. Thereaf�er, my interest rate wi�f never be increased or decreas�� on any s�ngle �hange Date by more than �ne ar�d No-Thous�ndths percentage point�s� � �.�QD °/o}from the ra�e of �nteres# � have been paying for the pr�ceding �2 months, Il�y interest rate willl never be more than F�1�� nd N�-Tho�sandths �et-centage points � �.��Q %�high�r or lo�er than #he initia� rate. �E�EfFective Dat�of Ghanges M� ne� �n�erest rat� ►n�� become effective on ea�h Ch�nge Date. 1 will pay the am�unt of my ne� m�nthly �ayment beginning �n the first m�nthly �aymer�t d�te after t�e �hange Da�e until the�mc�unt�f m�mflnthly payment changes again. �F)Nvtice vf Changes The IVote Holder will deii�er or maii to me a not�ce flf any changes in my interest ra�e and the amount �f my m�nthfy paymen# before the effective da�e of any change. The n�ti�e vvil� inc�ude inf�rrnation required by iaw to b� given t� me and afso the title and tele�hone number of a �erson vvha wi�l ansv�er any questi�n � may have regarding�he noti�e. ��'1��1c��5' , . Q�-545U �4412}.41 Page��f 3 �!�1�4 q�3325�U33G0 447� 368 Oz�3