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99-��saso 4. 1NTEREST RATE AAiD M N'1`HLY PA�MENT CHAN ES (A) Change Dates The interest race I will pay ay change on the first day of Jtmrs zooz , and on that d y every sixth monttl thereaft r. Each date on w�ich my interest rate coitld change is cai a "Change Date." (B) The Index Beginnaaag wiEh the fiest C Rge Date, iny irttet'est eate wil b�bascd on an Index. The "Index" is tlie average of inie bank offered rates for six-mo t� U.S. dollar-deuominated deposits in the LoE►clon r�a�rket "LIBOR"), as published in Th Wa11 Sfreet Jaurnal. The most recent Index figure avait le as of the firsi business da of the month immediately preceding the monti� in which t e Cha�ge Date oecurs is called he "Current }ndex." lf the lndex is r�o longeF vatlable, the Note Hv}de� wil� cktoose a new Index that is based upoz� comparable informa-ioa The IVote Hdder will give �ne notice of chis choice. (C) Calculation of Ch Before each Change Date, Eh� Note Ho�deF wi1� calcula e mp eew interest race by adding SIX AND ONE FO�ATH FJCCCC11f�gC �O111t�S� ( 6.2500 %4) a th� Current Index. The Not Hold�r wiN ��ien round the result of this addition to the est one-eighth of one per�enzag point (0.125%). Subject to the I'rmits stated in Section 4( be1Qw, this rou�ded amount ill be my iiew interest rate until the next Change Date. The Note Holder will �hen etermine the amount of the m chly payment that would be sufficient to repay the ungaid p ' ciga[ that I aui c�cgccted to o e at the Change Qate in full on the Macurity Date at my ne interest rate in substantiall� e ual payments. The result of this calculatian will be che new mount of my m�nthly pa�mcnt (A) i.�mtts o�n I�terest Rat Changes The interest rate 1 am requ red to pay at the first Change ate will not be greater than II_7soo % or less than 8.?500 �o. Thereafter, my icueresc rate will never be increased r decreased on any single hange Date by more than oN� PERCENT om the rate of interest [ have n paying for the preceding six months. My incerest rate ill never be grea,cer than 15.2500 � or less tha�t a. 5 0 0 �, ��11722Q7 ceeo3i v.o.2,ra I 815u � MFCpS175y(3/9d) I tQ288719