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201403885 (B) The Index Beginning with the first Change Date, my 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 of one year, as made available by the Federal Reserve Board. The most recent Index fiigure avaiJable as of the date 45 days before each Change Date is called the "Current Index." If the Index is no longer av�ilable, the Note Holder will choose a r7ew index which 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 TWO AND 750/1000 percentage points ( 2.750 %) to the Current Index. 7he Note Holder wiJl then round the result of this addi�ion to the nearest one-eighth of one percentage point (0.125%). Subject to the limits stated in Section �4(D) below, this rounded amoun# will be my new interest rate until the nexfi Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficier�t 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 Rafe Changes The interest rate I am required fio pay at the first Change Date will not be greater than 6.750 % or less than 4.750 %. Thereafter, my interest rate will never be increased or decreased on any single Change Date by more than two percentage points (2.0%) from the rate of interest I have been paying for the preceding 12 months. My interest rate will never be c�reater than 9.750 % or less than 4.750 %. (C) Effective Date of Changes My new interest rate will become effective on each Change Uate. 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) Nafiice 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. TYre notice will include information required by law to be given to me and �Iso the title and telephone number of a person who will answer any question I may have regarding the notice. 24006238 M ULTISTATE ADJUSTABLE RATE RIDER- ARM 5-2 Fannie Mae 4-2/5-2/6-2 ARM Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3111 1/01 VM P o P82 R(08D4) Wolters Kluwer Financial Services Iriitials� age 2 of 4 ��