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200010673 (D) Limits on Interest Rate Changes (Please check appropriate boxes; if no box is checked, there will be no maximum limit on changes.) E] (1) There will be no maximum limit on interest rate changes. ® (2) The interest rate I am required to pay at the first Change Date will not be greater than 13 . 125 % or less than 3.125 %. ® (3) My interest rate will never be increased or decreased on any single Change Date by more than Five percentage point(s) ( 5. 0 0 0 %) from the rate of interest I have been paying for the preceding period. ® (4) My interest rate will never be greater than 13.125 %, which is called the "Maximum Rate." (5) My interest rate will never be less than 0 0 0 %, which is called the "Minimum Rate." EJ (6) My interest rate will never be less than the initial interest rate. (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 Note Holder 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 me and also the title and telephone number of a person who will answer any question I may have regarding the notice. B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 17 of the Security Instrument is amended to read as follows: Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument. Lender also shall not exercise this option if: (a) Borrower causes to be submitted to Lender information required by Lender to evaluate the intended transferee as if a new loan were being made to the transferee; and (b) Lender reasonably determines that Lender's security will not be impaired by the loan assumption and that the risk of a breach of any covenant or agreement in this Security Instrument is acceptable to Lender. 899U (9705) Page 3 of 4 DOC #:301873 APPL #:0015510176 LOAN #:0015510176 Initials: ZL4