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If the Index is no longer available, the Lender will choose a new index which is based upon comparable information. The Lender will give me notice of this choice. (C) Calculationof Changes. Before each Change Date, the Lender will calculate my new interest rate by adding Two and No- Thousandths percentage points ( 2.000 %) (the "Margin ") to the Current Index. The Lender will then round the result of this addition to the nearest one - eighth of one percentage point (0.125 %). Subject to the limits stated in paragraph (D) of this Rider, this rounded amount will be my new interest rate until the next Change Date. The Lender will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) Limits on Interest Rate Changes.The interest rate I am required to pay at the first Change Date will not be greater than 4.125% or less than 2.125 %. Thereafter, my interest rate will never be increased or decreased on any single Change Date by more than One and No- Thousandths percentage point(s) ( 1.000 %) from the rate of interest I have been paying for the preceding 12 months. My interest rate will never be greater than Five and No- Thousandths percentage points ( 5.000 %) higher or lower than the initial interest rate stated in Paragraph 2 of the Note except that in no event will the interest rate ever be less than the Margin. (E) Effective Date of Changes. My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes.The Lender will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given to me and also the title and telephone number of a person who will answer any question I may have regarding the notice. FHA Multistate ARM Rider Bankers Systems TM VMP O Wolters Kluwer Financial Services III �JIIIIl�I II I I I III�U!IIIII III1,1111111111III III 803364188022 0470 741 0203 201703239 9/30/2014 (rev. 6/16) VMP591U (1609).00 Page2of3