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��14��5 point(�.125%}. Subject to the limits stated in Section 4(D}below,this rounded amount will be my new intere st rate unti�the next�h ange D ate. . The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpa�d principal that I am expected to owe at the�hange I3ate in full on the Maturity Date � at my new interest rate in substa.ntially equal payments.The result of this calculation will be the new amount of my monthjy payment. �Dy L�mits on Interest Rate Ghanges. The interest rate I am required to pay at the first�han�e Date will not be greater than S.d25%or less than 2.25�%.Thereafter,my adjustable interest rate will never be increased or decreased on any single�hange Date by more than tvWo percentage points from the rate of interest I have been paying for the preceding 12 months.My interest rate will never be greater than S.d25%. �Ey Effecti�e Date of C hanges.My new interest rate will become effective on each�hange Date. I will pay the amount of m�new monthly payment beginning on the first m�nthly payment date after the�hange Date until the amount of my monthly payment changes again. �Fy Natice of Changes. The Note H�lder will deliver or mail to me a notice of any changes in my i n itial fixed intere st rate to an adj u stable interest rate and of any change s in my adj usta.b le intere st rate befare the effe�tive date nf any change.The notice will include the amount of my monthly payment, any information required by law to be given to me and also the title and telephone number af a persan who will answer any question I may ha�e regarding the n�tice. � B. Transfer of the Property or a Benef�cial Interest in Borrower. l. Until Borrower's initial fixed interest rate changes to an adjustable interest rate under the terms stated in Section A above,IJniform�ovenant 1 S of the Security Instrument shall read as follows: Transfer of the Property or a Benefic�al Interest in Borrower.As used in this Section 1 S, "Interest in the Froperty"means any legal or beneficial interest in the Property, including,but not limited to,those beneficial interests transferred in a bond for deed, contract far deed, installment sa�es�ontra�t ar es�ro�r agreement,the intent�f vr�h��h is the transfer of title by Bnrrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred(or if Borrower is not a natural person and a beneficial interest in Borrower is sold�r transferred}without Lender's priar written consent,Lender may require immediate payment in full of all sums secured by this Security Instrument. However,this option shall not be exercised by Lender if such exercise is �rahibited by A�pl�cable Law. If Lender exercises this option,Lender shall give Borrower notice of acceleration.The notice shall provide a period af not less than 3�days from the date the notice �s given in accordance with Sectian 15 within which Borr�wer must pay all sums secured by this Security Instrument. If Borrower fai�s to pay these sums prior to the expiratian of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 11958��3�1 MULTISTATE FIxE01A0JUSTABLE RATE RIDER-WSJ Qne-Year LIBQR-Single Family-Fannie Mae Uniform � Form 3187 51�1 Instrument VMPC�] �� Q�I13 Woiters I(luwer Financial Servires 2�14D9154.1,1,2529-J��131225Y Ini#ial Page 2 of 4 * � �'�9 3�1116 * I