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99 106329 s If the Index is no longer available, the Note Holder will choose a new Index that is based upon comparable information. T'he Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding SIX AND ONE EIGHTH percentage point(s) ( 6.125 %) to the Cunent Index. T'he Note Holder 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 Section 4(D)below, this rounded amount will be my new interest rate until the next Change Date. The Note Holder 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 10.3 7 5 % or less than 7.375 %. Thereafter, my interest rate will never be increased or decreased on any single Change Date by more than ONE percentage point( 1.000 %) from the rate of interest I have been paying for the preceding six months, subject to the following limits: My interest rate will never be greater than 16.3 7 5 % nor less than 10.3 7 5 %. (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. Tfie 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 Bene�cial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transfened(or if a beneficial interest in Bonower is sold or transfened 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) Bonower causes to be submitted to Lender information required by Lender to MULTISTAI'E ADNSTABLE RATE RIDER-LIBOR INDEX-Single Family-Freddie Mac Moditied Instrument Page 2 of 3 Form 3192 7/92 DDS-F34 Initials:��