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��15�1151 �B} The �nde� Beginning w��h �he firs� �hange �]a��, rny �nteres� ra�e vv i�l be bas�d on �n [nde�. The "�ndex" is fhe w eekly a�rer�g� yi�1d on United S�a�es Tre�sury securities ad�us�ed to a cons'�an� matu��y af one year, as made a�aiIable by �he Federal Reserve Board. The m�st recen� �ndex f�gure avaiIable as of �he da�e 45 days �efore each Ch�nge Da�e is caIIed the "�urren� lndex." If �rhe lndex is no long�r ava�Ia��e, �he No�e H��der w il� choose a new index w hich �s based up�n c�mparable �nforma��fln. �fhe N�te HaIder w il! giv� m� no�ice �f this choice. �C} �a��u�at�o� of Changes B�f�re �ach �hang� Da�e, �he lV�� HoIder �iII �a�cuia�e my nev�r �n�eres� r�� by addina� T1�D A�D 7��I1��0 � p�r��r��ag� p�ints � �.75Q °/o} to �he �ur�ent 1�de�. `fhe �Vate H�Ider w�� h�n r�und th� resui� of �nis �ddi�ivn �o the neares� a�e-e�gh�h of one �ercen�age poir�t ��.'I2�%}. Sub�ec� to the 1imi�s stated �n Sec��n 4�D} �e�ow, this raunded amount will �e my n��r interes� ra�e un�il �he ne�� hange Date. The No�� Ho�der �iil �hen determine �he amaun� flf fihe mon�hIy paymen� �hat v�r ould be suffic�enfi �o repay �he unpaid princ�paI �ha� [ am expec�ed fio ov�e a� �he �hange Da�e in ful� on �he nna�u�i�y da�e a� �my new �n�eres� rafie �n subsfantia�ly �qua� paymen�s. The resu�� of �nis ca�cu��io�i w ill b�th� new amaunt nf my �n��hly paymen�. �D� Lim��s on �a�te��s� Rate �hanges `fhe �n��resfi ra�� am required �� p�y �� he fi�s� �ha�g� �3a�� rili r�a� be greater ��n �.�O� �/o �r �ess tha� 4.5�fl °/o. Thereafter, my �n�eres� ra�e w i�l ne��r b� �ncreased �r d�creased on any ��ngie �hange C7a�e by m�r� �han �v�o p�rc�n�age poin�s ��.D°l�} from �he rate of int�r�s� � harre been paying for �he preceding 'i Z months. My��er�s�rate wi�� ne�er b�grea��r�han 9.5 D� °lo ar Iess than 4.5�� °/o. �E� �ffect��r� Dat� of �hanges ll�y nevv in�eres� ra�e �rv iil beGome effec�ive on �ach Change Da�e. 1 w iiI pay �he amoun� of my ne�rv mon�h[y paymen� be�inning an �he f�rst month�y paymen� date af��r �he Change Da�� un�iI fihe amaunt of my mon�hIy payr�en� changes aga�n. �F� Notice of Cha�g�s The No�e Ho�der�nr ill de��r or r�adI �a �� n�tice �f any �hange� �n r�� r��r�s� r��e ��d fih� amou�� of my nnor��hiy pay�en� �efor� �he �ff�c�i�� da�e of ar�y �h�ngee Th� �o�i�e �v�� �ncIude i�farr�a�i�r� requ�red by law �a be gi�er� �� r�te and a�so the ��f�� and �elephone �umber of a person �r ho o�v ill ��s�er any ques�ion [ rr�ay haWe regard�ng the n��r��e. 24�0��38 M ULTISTATE ADJ USTABLE RATE F�IDER-AF�M 5-2 �ann�e �Ill ae 4-�1�-2��-� ARM Sing�e FamiIy - Fann�e M aelFr�ddie M ac UNIF�RM [NS�fRUM ENT Farm 3'�'�� 1 I�'� VMP � V111�P8�2R��844} 111I�1�ers KIuv�r er F�nancial Se��Ges ini�ials�� ' Page Z �f 4 .