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��14�7513 ��3} Tne ��de�c Begin��ng w'rth the f�rs� �hange Da�e, my in�eres� ra�e wiIl �� based on an [ndex. The � "l�d�x" is �he w eek�y a��rage yieid �n Uni��d S�a�es Treasur�y securi��es ad�us�ed �a a co�s�an� ma�urify af on� year, as made available by �he Feder�� Reserve Boar�. The mos� �ecen� lndex figure a�ailable as af fhe da�e 4� days before each Change �a�� s �alled fh� � °'�u rren� [r�d ex." If �he �ndex �s no longer a�a��able, �he No�� H�ld�� wiii choos� a ne�rv index v�rh�ch is �ased upon comparable �nformat�on. The No�e Flaid�r wiIl glve me notic� of �his choice. �G} �alcuIation of �ha�ges Before each �hange Da�e, �th� No�e Ho�der �� calcula�e my new inter�s� ra�e by adding T�Q ANa 75�/1aQ4 �ercen�age points € �.7 5� °/o} fv �he �urrenf lndex. The �Vo�e Ha�d�r w i[� �hen round �he result of �h�s addit�on �o �he neares� one--eigh�h of one percen�age p�int �D.'�2�°/0}. Subj�c� �o �he limi�s s�a��d in Sec�ion ��} b�1ow, �his round�d amaur�� w�� be my new in�erest rate un��f �he ne�� hange Da��, Th� 1Vote Holder will �hen de�ermine �h� a�oun� �f �he �n�nfihly paymen� tha� �rtirauld �� suffic�en� �o repay �he unpaid p�incipaI �hat I arp expec�ed �o awe a� �he Char�g� �a�e In fuil on �he ma�uri�y date �� my ne�v in��r�est ra�e in subs�antia�ly equaj paymenfs, The resu�� ❑f fh�s cal�ulation w�� be �he ne�nr amoun� of my man�hIy payment. �D} L��m�ts on �n��r�s� ��te Cha�ges The �nteres� ra�e I am require� ta pay a� �he first �hang� Da�e �v ilI not be grea�er �han 6.7�� °/o ar less �han 4.7 a� °/o. Thereafter, my interest ra�� Wv iII r�ever be incr�ased ar decreased on any s��gle �hange D�te �y more �han �w o percen�age pa�n�rs �2.4°lo} from �he ra�e of interes� 1 ha�e b�en paying far �h� preceding '�� months. �Ily interest rafe�nri1! ne�er�e grea�er�han 9.7�� °/o or��ss�h�n 4.7�D °lo. �E} Effe�ti�re [�ate of Changes N�y n�w �n�eres� ra�e �nr�f� became eff�cti�e o� each �hange Da�e. � ��1 pay th� amount �f my ne� m��hly payment beginnxng on �he firsfi monthly payment da�e af�er �he Ch�nge Da�e un�il �the amoun� of my mon�hIy paymer�� changes again. �F} N�tic� of �h�ng�s The No�re Ho�der w ilf defiWer or ma�� o me a not�ce of any chang�s in r�y interes� ra�e and �he amoun� af my mon�hly paymen� before �he effec�ive date of any char�ge. Th� no�ic-e vv ill inciud� informai�ion required by Iaw �o b� gi�en �o me and a�sa fihe �itle and �elephone number nf a person w ho w iII answ er any quest��n 1 may have regard�ng �he no�ice. 24��7�4'� ll�UL�f[STATE ADJ USTABLE RATE R1DER-A1�111 �-� Fann�e M ae 4-�1�y216-� AR�II . S�ng[e Family -- Fannie M aelFreddie M ac UN[F��Ni lNSTR[JM ENT 1Form 3'i'�� 10'i �n�� $�2��0$04} Wol-�ers �Cluwer Financ�a� Serv:ces [n��ials: � Pa�e � of 4 . ��