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201502893 (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by Adding 2.25 percentage points ( Two and 25(100 %) to the Current Index. The result of this calculation: ❑ will not be rounded off. ❑ will be rounded off by the Note Holder to the nearest %. © will be rounded off by the Note Holder up to the nearest 125 %. ❑ will be rounded off by the Note Holder down to the nearest %. Subject to the limitations stated in Section 4(D) below, this amount will be my new interest rate until the next Change Date. The Note Holder will then determine the amount of the periodic payment that would be sufficient 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 periodic payment. (D) Limits on Interest Rate Changes © My interest rate will never be increased or decreased on any single Change Date by more than 2 ..QA percentage points from the rate of interest I have been paying for the preceding period © My interest rate will never be greater than R..90 % or less than A] /.A %. (E) Effective Date of Changes My new interest rate will become effective on each Change Date. I will pay the amount of my new periodic payment beginning on the first periodic payment date after the Change Date until the amount of my periodic payment changes again. (F) Notice 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 periodic payment. The notice will include information required by law to be given to me and also the title and telephone number of a person who will answer any question I may have regarding the notice. B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 18 of the Security Instrument is amended to read as follows: Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower 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 or transferred) without Lender's prior 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 prohibited by Applicable Law. Lender also shall not exercise this Multistate Adjustable Rate Rider Bankers Systems TM VMP® Wolters Kluwer Financial Services VMPC 104 114011.00 ARLR 1/10/2014 Page 3 of 4