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200101845 <br />The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay <br />the unpaid principal that I am expected to owe at the Change Date to pay in full on the Maturity Date at my <br />new interest rate in substantially equal payments. The result of this calculation will be the new amount of my <br />monthly payment. <br />(D) Limits on Interest Rate Changes <br />The reset interest rate I am required to pay will never be increased. <br />(E) Effective Date of Change <br />My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly <br />payment beginning on the first monthly payment after the Change Date until the amount of my monthly <br />payment changes again. <br />(F) Notice of Changes <br />The Note Holder will deliver or mail to me a notice of the reset terms before the effective date of any <br />change. The notice will include the amount of my monthly payment, any information required by law to be <br />given me and also the telephone number of a person who will answer any questions I may have regarding the <br />notice. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Improving <br />Rate Rider. <br />I (Seal) <br />DONALD C MCDONALD - Borrower <br />— (Seal) <br />- Borrower <br />_ (Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />NMFL #4419 04/00 <br />7N� % ��1CL2i Seal) <br />L:&ANNd MCDONALD - Borrower <br />(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />— (Seal) <br />- Borrower <br />Page 2 of 2 <br />