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(D) Limits on Interest Rate Changes <br />(Please check appropriate boxes; if no box is checked, there will be no maximum limit on <br />changes.) <br />Ix <br />Ixl <br />Ixl <br />Ixl <br />201605693 <br />(1) There will be no maximum limit on interest rate changes. <br />(2) The interest rate I am required to pay at the first Change Date will not be greater <br />than 7.750 % or less than 3.750 %. <br />(3) My interest rate will never be increased or decreased on any single Change Date <br />by more than TWO AND 000 /1000 <br />percentage points ( 2.000 %) from the rate of interest I have <br />been paying for the preceding period. <br />(4) My interest rate will never be greater than 10.750 %, which is called <br />the "Maximum Rate." <br />(5) My interest rate will never be less than 3.750 %, which is called the <br />"Minimum Rate." <br />(6) My interest rate will never be less than the initial interest rate. <br />(7) The interest rate I am required to pay at the first Change Date will not be greater <br />than % or less than %. Thereafter, <br />my interest rate will never be increased or decreased on any single Change Date by <br />more than <br />percentage points ( %) from the rate of interest I have <br />been paying for the preceding period. <br />(E) Effective Date of Changes <br />My new interest rate will become effective on each Change Date. I will pay the amount <br />of my new monthly payment beginning on the first monthly payment date after the Change <br />Date until the amount of my monthly payment changes again. <br />(F) Notice of Changes <br />The Note Holder will deliver or mail to me a notice of any changes in my interest rate and <br />the amount of my monthly payment before the effective date of any change. The notice will <br />include information required by law to be given to me and also the title and telephone number <br />of a person who will answer any question I may have regarding the notice. <br />® -899R (0510) Page 3 of 5 <br />�:x <br />