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<br /> !f t1�e intant rnta ch�ngw on a Chrnge l�ta. i.�dRr will calcot�te tl�e art�ou�t uf montttilY Wyt�.�t ot
<br /> prinoipd and in�oe�at which wouW be neoe�uy W ropaY���P��P�b�uwx in f�fl rt the mrturiry dMe
<br /> u tho new inter�t c�e throuRh wMwnl�11Y� P�Y�. ln m�kinj �uch alculrfan, t.ender will we t6e •
<br /> unpid principd bd�na which wouW be owed on Ibo Clw�e Dae if tbero hd boa�no daiialt ia paiyo�ent an the
<br /> Nnte���oed by the�unouat ot rnY proP�Y��PC��PV.'i'��►ar�.�wioo ww a w..�ow�d .
<br /> ihe new mo�hfy p�ymaM ot prlticipal�ufd inWwt.
<br /> (N')W�tio�o�(:I�e�
<br /> l.a�de�wili �ivo ndiae w B�mowcr of ury chm�o in the i�nerat nae+pri mw�idy pYy���n�i i�uwum. 91jo -
<br /> nutice mtW bo{iven M leat 23 day�beforo the new monthly WYment m�ount is duo.�nd nw�t ircct fonh(i)We
<br /> dMe ot the notice. (li)Ihe Charyo O�te.(Ili)tho old intereu rate,(iv)�he new intereu nte.lv)1hs new monthly
<br /> p�Ynieat amounl, tvi)the Cument btdex ud the d�te it was publfrhed.tvii)the method af cilculqit�the c�e
<br /> . IA moathlY P�Y��nount.�nd lviii)any alher f�Wrautioa whld�a�y be requirad by law fro+a�ime w�lme.
<br /> (G)Effectl�c Dde ot Ch�eRa
<br /> A new inter+e�t rate cadcul�tad in �000td��oe w[16 pangr�ph� 3(C7 �nd SlD) oP this Note wlll b000d�e
<br /> effoctive on the Ch�t�t Dale. Aorrowu el�ap make a payment in the new monthly amourp beginaiag on the fitit
<br /> p4):ner�t d�te which acwrs at last 2S days after Lader has�lven�orrower the�wtioe o!dw►�es rc�uired by
<br /> poragrAph S(F)of this Note. Borrower :hap have no oblig�tion to pay any incn�se in the moruhly poymart
<br /> �mount cakvlated in a000rdaryee with paragraph 3(S)of thic Noto for any paymau date occurriag les.s th�n 25
<br /> duys After Lender hus givzn the required notice. If.the monthly payment amount celculatod in accor�ance with
<br /> Q�ragraph 3(E)of this Note dec�eased,but Lender failed ta give dmely notjco of the decrcase and Borrowu m�dm
<br /> my m�nthly paymcnt�munts caoeeding the payment a�nount wl�ich should have been stated in a dmely notla.
<br /> then Borrowcr has the option to either(i)demand the rcturn tci Borrower of Any excess payment. with intenat
<br /> theraon at the Note rate(a rate equal to the interest rnte which should Iwvc boen statad in a timely ratice),or(il)
<br /> request that any exoesa puyment. with interest thereon at the No�e rate. be appliod as payment of p�incipal.
<br /> Lender'�obli�wtion to rcturn any excess pxyment with intercst on demand is not asai�nable even if this Notc i:
<br /> othetwice asci�ned before the demaM for re,turn ia made.
<br /> BY SI(3NINa BELOW.Borrower accepts and sigre�es to the terms and wvenaats conudned in thl9 Adjustable
<br /> Rate Rider.
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