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2� 17��724 �D� Li mits on 1 nterest Rate Changes tP�ease check apprvpr�ate bvxes; if no box is checked, there wi�� be no maximum �imit vn changes.3 � ��} Tnere wiil be na max�mum lim�t on inter�st rate Changes. {� ��} The interest rate I am requ�red to pay at the first Change Date will not b� great�r than 6.�a� °/o ar �ess than 3.7�D °/o, � �3} My int�rest rate w�ll ne�er be increased ar decreased on any sing�e Change Date by more than �o ��vo 000��oo percentage points 4 �.U�� °/03 from the rate of interest 1 ha�e been paying for the preced�ng period. � �4} �Illy �nterest ��te wil! ne�er be great�r than 9.5�D °/o, which �s ca[[ed the "Max'rmum Ratea f= � ��3 My interest �ate w�ll ne�er be �ess than 3.75�°/a, which is ca�l�d the "Minimum Rate," � ��} My inter�st rate will n��r !ae ��ss than the �nitia� interest rate. � {7} The interest rate � am required to pay at the f�rst Change Date will n�t kae greater than °/o ❑r less than °/o. T�e�-eafter, my inte�est rate wili ne�er be �ncreased ar decreased vn any s�ngle �hange Date by m�re than percentage points � °/a3 from the rat� of int�rest 1 have been �aying fflr the p��ceding period. �E� Effecti�e Date of Changes My new interest rate wi�( became effect��e on eaCh Change Date. I wi[[ pay the amvunt of my new monthly payment beginning on the f�rst month�y payment dat� after the �hange Date until the arr�ount of my monthly payment changes again. �F3 Not�ce of Changes The Note Ho�der will deli�er �r mai� to me a n�t�ce of any changes in my interest �at� and the amount of my month�y payment �efore the �ffect��e date of any change. The rrotic� wil[ inc�ude information requi�ed by lavu tv be g��en to me and a[so the t�t�e and tel�p[�on� number nf a persan who will answer any question I may ha�e regard�ng th� not�ce. : Initia�s: �`''; �. �-899R ��5��} Page 3 vf 5 0