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2� 1 ��45�� The Note Holder wi�l then determine the amount of the month�y payment that wauld be sufFicient to repay the unpaid principal that I am expected to�we at the Change Date in fu11 on the maturity date at my new interest rate in substantiaily equal payments.The result of this caiculation will be the new amount af my monthly payment. �Dy L�mits an Interest Rate �hanges. The interest rate I am required to pay at the first�hange Date wi11 not be greater than S.75U%or less�han 2.25�%.Thereafter,my interest rate will never be �ncreased or decreased on any single Change Date by more than two percenta.ge point�s}�2.440°/0} from the rate of interest I ha�e been paying for the preGeding 12 months.My interest rate wiil ne�er be greater than 8.754°/0. �E� ETfecti�� Date af Changes. My new intere�t rate wil�become effecti�e on each�hange Date. I wil�pay the amount of my new monthly payment beginning on the first monthly payment date after the�hange Date unti 1 the amount of my monthly payment Ghanges again. �Fj Notice of Changes. The No�e Ho�der will deli�er or mail to me a notice of any changes in my interest rate and the amount of m�monthly payment before the effecti�e date of any�hange. The notice wili include information requrred by law to be g��en to me and also the title and tel�phone number of a person who wiil answer any�uestion I may have regarding the notice. B. Transfer of the Property or a Beneficial Interest in Borrower. 1.UNTIL B�RR�WER'S INITIAL INTEREST RATE CHANGES UN�ER THE TERMS STATED IN SECTI�N A AB�VE,UNIF�RM C�VENANT 1S�F THE SECLrRITY INSTRUMENT SHALL BE IN EFFECT AS F�LL��S: Transfer of the Property or a B�neficial Interest�n Borrower. As used in this Section 18, "Irrterest rn the Proper�y" means any legal or beneficial interest in the Froperty, including, but not limited to,those bene�cial interests transferred in a bond for deed,contract for deed, installment sales contraGt vr escrow agreem�nt,the intent of which is the transfer of title by Borrower at a future date to a purchaser. �f all or any pa.rt�f the Property or any Interest in the Property is sold or transferred(or if Borrower is not a naturat person and a benef cial interest in Borrower is sold or transferred} without Lender's prior written consent, Lender may requ�re immediate payment in ful�of aii sums secured by this 5ecurity Instrument. Hawe�er,this aption shall not be exercised by Lender if such e�er�ise is prohibited by Applica�Ie Law. If Lender exer�ises this option, Lender shall gi�e Borrower notice of a��eleration.The notice shall pro��de a per�od of not less than 34 days from the date the notice is gi�en in accordance with Section i 5 within whi�h Borrower must pay all 5UXi1S S�CUr�C�I]y t�115 S�CLtCI��i151T`Liril�ilt. If Barrower Fails to pay these sums prior to the expirat�on of this period,Lender may invoke any remedies permitted by this Security Instrument without further notiGe ar demand on Borrower. 2.AFTEIt B�RR�WER'S INITIAL INTEREST RATE CHAN�ES ITNDER THE TERMS STATED IN SE�TI�N A AB�VE,UNIF�RM C�VENANT 18�F THE SECURITY INSTRUMENT DES�RIBED IN SECTI�N B1 AB�VE SHALL THEN�EASE T�BE IN HCFG-04Q27 MLJLTISTATE ADJUSTABLE RATE RlQER-1-Year L�BOR Index[Assumabie after 4n�tial Period)Single Fam�ly- Fonrt 5131 3l04 F�@ddlB M�C L.INIFORM INSTRUMENT �nn� o��a Wblters Kluwer Financial 5ervices 2D1S063�15.3.2.35D9-J�D�6�120Y Page 2 af 4 R �