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2� 1 ��315� a�ailable by the Federal Reserve Board.The most recent Index figure avai�able as of the date 45 days before each�hange Date is called th�"Current Index." If the Index is n�longer a�ailable,the Note Holder will use as a new ir�dex any Inde�prescribed by�he D�par�me��of Veterans Affairs.Th�Not�Holder w�il give me notice of the new Index. (�}Calculatian af Chang�s Befare each�hange Date, the Note Holder wiZl calcula��my new interest rate by adding TW�AND �NE F�URTH p�rcentage poYr�ts��.25U°/a}ta the�urrent Index.The Note Holder w�l�then round the result of this addition ta the nearest one-ei�hth of one percentage point��.125°Io}. Subject��the �imits stated in Se�tion 4�D�below,this rounded atnount will be my new in�eres�rate un�il the next�hang�Date. The Nate Holder will then determine the am�unt of the monthly payrnent that would be sufFicient to repa}� the unpaid principal that I am expe�ted�a ovve at t�e �hange Date in full on the maturity date at my new interest rate in substan��aliy equa� paymen�s. The result�f�hi� calculation will be �he nevv amount af rny monthly payment. �D}Limits on Intere�t Rate�hange5 The interest rate I am require�to pay at the first�hange Date wi11 not be greater than 3.254°��ar less than �.Z50°/o.Thereafter,rny interest rate wi11 never be increa�ed or decreased on any single Change Date by more than �NE per�entage paint �1.��°��} from the rate of interest I ha�e been paying for the pre�eding 12 months.My int�rest rate v�i��never be more than FIVE perc�n�.age pvints(5.�UD°/a}higher or l�wer t�an the ini�ial rate. �E)Effective Date of Changes My new interest rate will become effective an each �harige Date. I will pay t�e amount �f my ne� monthly payment beginnir�g on the first monthly payment da�e after the�hange Da�e until the amount�f my monthly payment changes again. [F}N�tice�f C hanges The Note Holder wil�deliver or mail to me a noti�e flf any changes in my ir�terest rate and#he amount of my monthiy payment�efare the effect�ve date of change.The notice will include informatian required by law to be given ta me and also the title and te�ephone number of a person wh�v�ill answer any ques�iorr I rnay have regard�ng the nQtice. BY SI�N1N�r BEL�W, Barrotiver acc�pts and a�rees to the terms and co�enants contained in this Adju�ta��Rate Rider. , � �Seal} (Seal} JESSE�LARI�BA�TER -Borrower BRANDI J.B TER -B�rrotiver �IULT��TATE ADJUSTABLE RATE RIDER-Single Family-Veterans Affairs �2144 Page��f 2 I Os,1 r�c,