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2� 1 ��2828 q4335544835 0413 42� U244 �B]The lnd�x Beginning with the �irst �hange D�te, rny adjustable interest rate �n►��I be based on an �nd�x. The "1n�ex" is �he average of interbank flffered rates for one-year U.�. doliar-denom�nated de�osits in the London rn�rket �"LIB�R"}, as published in Th�al,,,�ee� rnal. The most recent �n�ex figure available as �f the �ate 45 �ays before each �hange Da�e �s ca��ed tl�e"Current Inde�c." !f the lndex is n� longer availab�e, �he Note Ho�der wifl cho�se a new index that is based upon comparab�e information. Th� N�te Holder�vi11 give me n�tice of this choice. ��3 �alcu�at�o�of Cha�ges Befnr� each Change Date, the Note Haider will calculate my new interest rate by adding Two a�d �n e-�ua rter per�entage �o�n�s � �.�� °/o}�o�he �urrent index. The Note Ho#�er v�i�# then round the result of th�s addition t� #he n�arest vne-eighth of one per�entage point ��.1�5°Io}. 5ub�ect to �he iir�its stated in Section 4�D} be�o�r, this �aun�ed �maunt wi11 �e my new interest rat� until fihe next�hange Dat�. The N�te Hoider �ril1 then �eterm��►e the am�unt �f #he monthly payment that �ouid be sufficient to repay the unpaid principal that 1 am e�pected �o ovve at �he Change Date in full on �h�e I!�lat�rity Da#� at r�r�� new interest rate �r� s�b�tantially equal �ayments. The result �f this calcu�ation will be�he new arnount of my monthi� payment. �D} Limitsvn Interest Rate Changes Tne �nteres# ra#e � am requi�ed to �a� at the f�rs� �hange Date vvill not be gr�a�er than 5.�5a°Io or less than �.25d °Io. Thereaft�r, my adjustable �n�erest rate will never be increased �r �ecreas�d fln any single �hange Da#e by rn�re than �two percenta�e� p��nts from the rate of interest I ha�e been pay�ng for the �re�eding �� months. My inter�st rate wi�1 never be g�eater than $.25� °/Q. �E�Effective�ate of Ghanges My new interest rate ►��# becorr�e effectiv� �n eac� �h�nge �a�e. � �� ay the amount of my new mon�hly payment begir�ning on �he first monthly paymen# d�te after the �hange Date unt�l�he amount of my monthly�ayment chan��s again. �F� Not�ce of�h�nges The Note Ha�der wifl deli�er ❑r mail to rne a natice �f any changes in rny �nitial fixed interest rate �o an ad�ustab�e �n�erest �ate and of any changes in my a��us#able interest r�te before the effe�tive �ate of an� c�an�e. The notice will in��de #he amQunt of m� mon#h1y �ayment, any informat��n requ�re� by �aw to be given to me and also �he �it�e an� tele�hone number of a person wha will answer any quest��n I may have regarding th� notice. B. TRANaFER�F THE PR�PERTY UR A BENEFICIAL 1NTEREST IN B[3RR�iIIIER 1. Until B�rr�w�r's ini�ial fixe� interest rate changes t� �n adjus�able interest rate un�er the terms st�te� in Section A a�oue, Unifvrrn �Q��nant �8 �f the Securi�y �ns#rument shall re�d as fol laws: �'ransfer of the f�roperty c�r a B�nef�c�al Intere�t �r� 8orrvwer. As used �n tn�s Section 18, "Interest in the Property" mean� any �egal or ben�fic�a! in�erest in the Prop�rty, including, but not limited tfl, �hose benefi�ial interests transferre� �n a MULTI�TATE FIXED�A[3JUSTABLERATE RIDER-WSJ �ne-Year LIB�R- 5ingle Famt�y - Fannis Niae Uniform Instrument �� VMP �-'I�SR �48�7} F�age�of 4 �nit�als: ��.t� �or� 3't 87�f�'�