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Ju11-30 -00 13:16 From- T -601 P 27 F -139 200005488 day every l2th month thereafter. The date on which my initial fixed interest rate changes to an adjustabl4 interest rate, and each date on which my adjustable interest rate could change, is called a "Change Date." (0) The Index Beginning with the first Change Date, my adjustable interest rate will be based on an Index. The. "Index" is the weekly averaEc yield on United Suites Treasury securities adjusted to a constant mautrity of 1 year, as made available by the Federal Reserve Board. The most recent Index figure available as of the (late 45 days before each Change Date is called the "Current Index." If the Index k no longer available, the Note Holder will choose a new index that is based upon compitrable information. The Dote Holder will give me nnuce of this choice. (C) Calculation of Changes i el'ure each Change Date, the Note Holder will calculate my new interest, rate by adding Two and Three - Fourths pereenutgepoint(s) { 2.7500 %) to the Current Index. The Note Holder will then round the result of albs addition to the nearest one - eighth of one percentage point (0.125%). Subject to the limits slated in Section 4(D) below, this rounded amount will be my new interest rate until the next. Change Data:. "the Note f-lobler will then determine the amount of the monthly payment flint would he sufficient to repay the unpaid principal that I dun expected to owe at the Change Date in lull on the Maturily Date at my new interest rare in substantially equal payments. The result of this calculation will be. the new amount of my monthly payment. (U) Limits mo Interest Rate Changes, Tile interest rate 1 am required to Pay at the first Change Date will not be greater than 13.6250 % or less than 3.6250 OA, 'thereafter, my ndjustabla interest rate will never be increased or decreased on any single Change Data by more thaua two percentage points (2.0 %) from the rate of interest I have been paying for the preceding 12 months. My interest rate will never be greater than 13.6250 %n. (F) Ffl'ecdve 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 t»nount of ray monthly payment changes again. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my initial fixed interest rate to an adjustatble interest rate and of any changes in my adjustable interest rate before the effective date of any change. The notice will include the amount of my monthly payment, any information required by law to he given me and also the title and telephone number of a person who will answer any question I may hate regarding the notice:. 10 -84314 (0003) 7200303 -00 Initials: Page 2 of 4 Fotm 3182 10/89