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��14�551� <br /> ��} T'he lmdex <br /> Beginning `nr i.�h fhe f��sfi Ch�nge C3ate, my int�rest ra�e w�Il be b�sed on an [ndex. The <br /> "Index" is �hs w�ekiy �v�rage yield on United Sfa�es Treasury securifiies adjusfied to a <br /> constan� r-r��turifiy o� on� year, �s made available by �he Fed�ral F�eser�e Board. T'he rr�osfi <br /> recen� In�ex figure a�aila�le as of �h� �ate 4� day� befo�e e�ch �hange Date is called the <br /> "�urren� Index." <br /> If �he �ndex i� n� long�r available, fihe No�e Hoide� w il� choose a ne�v index �rv hich i� <br /> based upan comparable infnrma�ion. The N��e.H�lde� v�ill gi�e me nofiic� of this �hoice. <br /> �C} ��Icula�ion of �h�nge� <br /> Be�ore ea�h Chan�e [�a�e, the Nofie Holder w i�l caf�ula�e my new interest rafe by adding <br /> TW� AN a ��o��oo� percen�ag� poin�s <br /> { �.7 5� °Io} to fihe �urr�enfi Ind�x. The Nofie I�older w ill then round the resu�� <br /> o� �his addi�ion fio the nearest oneweighth af on� perce�7tage pain� ��.���°Io}, Subj�c� �� �he <br /> lirr�i�s stat�d in ��c�ion ��D} belo�v, th�s raund�d amoun� wil� be my nevv in��resfi r��� unfi�l �he <br /> nexfi �hange C�a�e, <br /> Th� IVote Holder w iil then d��ermin� �he amour�� �f �he mon�hly payment fhat w ou�d b� <br /> �u�ficien� to repay �h� unpaid princip�� tha� I am expec�ed �a owe �t �he Chang� Da#� in full <br /> on fih� matur��y dafe at my rtew in��re�t ra�e in sub��anfiially equal paymer��s. 'The result of <br /> th�s caiculation w ill be the new� amount of my monfihly paymen�. <br /> �D} Lim its �n I nfier��t F:a�e �hang�s <br /> Tr�e in����st rafie I am required fio pay at the f irst Chang� bafi� w iCl not �e gr��fier fihan <br /> 5.7 5 U °Io o r 1 ess t h an 4,7 5 0 °I�. Th ere����r, rn y i n fi eres� <br /> rat� vvill never b� inc�eased or decr��sed on ar�y single Ch�nge �ate by mor� than two <br /> pe�cen�ac�e points �Z.D°I�} �rom th� ra�e of inter�st i have been paying fo� fihe preceding �� <br /> monfihs. My in�eres� rafe w��l never �� gre�ter than �.�7�� °Io or less fh�n 4 m 7 5� °Ioe <br /> ��} Ef����irre C�a�� of �hange� <br /> My n�vtir interes� ra�e w i�l become �ffec�ive ��� each Chan�� Da��. I w ill pay �he amount <br /> of my new mon�hly paymenfi beginning on �h� fir�fi monfihfy p�ym�nt d�te aft�r the �hang� <br /> Date until the amoun� of rr�y mon�h�y payment changes again, <br /> �F} N�t«� o� �ha�ges <br /> The Na�e Hold�r �r ill del�ver or maif fio me a n�t��e of any changes in my in��res� rafe and <br /> �he amount of my man�hly payment before fihe �ff��tive da�e of any change. The not�ce wi11 <br /> ir�c�ude �nformation r�qui�ed by la�r fio k�e given fo rr�e and a�so fh� �i�ae and fieleph�ne numbe� <br /> o� � pe�son �ho w il! a�lsvver �ny questi�n 1 may haue regarding �he notic�. <br /> �4�070�5 <br /> �ll L1LT�ST`A�TE ADJ LJSTABLE f�ATE R1C�E�.� AF�M �w� Fannie �11�ae 4-�1������-� ARN! <br /> Single Farni�y � Fanni� MaelFredd�e Mac UNiF�RM INSTR�M ENT Fo�m �� � 1 �1�� <br /> VMP � IIM 82�R��8�4} <br /> Wo[ters Kluw�r FEnancia� Serr��ces Initials. ,� ��-- ,� P�ge � of 4 <br />