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<br /> ,." �inoorpot�tid�law Gnd��h�il be da�ldd to ampnd��nd�uppleMspt tho MonRe�e,Dad o}Truq ot Becudty Deed(the
<br /> _—— ."3�ntlty itltirument")o�tha sems dfita Iven b the u�dtrol: td Uho°fSarrewcr")to�auie$arrowerY AdJmubte • _ __
<br /> Rua Noto(tho"NVte"j to,.,.RdRl..Rr4.�F.�r�&..S��E.P.H...............�.. �,....�„ .....,,,..,...,. „ .�
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<br /> tNo SauBty Irstrumrpi end iceatc��I� � '_— - -
<br /> _� Ai82,itAlSY',t�Rt1....ffiii�t!�,csV�tA,.IBbrlt3�� N8� 680D3.............................................. ......... . ...... ` '''( :_
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<br /> -_' n�c nore car�r�na Pno�arona�uow►i+ci Fon cii��+aEa iro r�e q�r�ar��e .
<br /> � AHD TH8IAONYF114 PAYMk'iiT. TN6 NOTB WMITB TfIB AMOUNT TH8 BpRflOWEA'8
<br /> � AOJIIBTABL6 IHTEREBT RAi'�CAH�CHANfiH AT ANY ONH TlAlti ANII TtlE MN(lMUM - -
<br /> ---- MT8 TN@ 80(NtOM�EiI MUBT PAY. TN8 N0T8 ALSO CONTAIHB TFIB OPTION'f0 C�•
<br />_ _— VEpT TM@ AW U87ABI.H MT8 TO A FlXED flATB. '^�._._
<br />���;� APMTIONAI;GbVENAMe� Ineddlttona�haoovenanteendegrumentemndointhoSecuri�ylnsvumcm,Dorrower
<br /> _,e._ ���+a� and 4endcr further cocanept and egree ae Pollow�:
<br /> "'"°� A. ADJUbTAB1.F.RAT€ANp MON'ft11N PAYME�►i'CHANCF�B . _
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<br /> --;..�rY: Tho Noto providq fm nn(ni�lel Interul rato of�x��.�RQ..fk. TAe Noie provldes for changa(n the ndjustable '�.,,-
<br /> :"`�""`i�,':} inurat reto end the monihly p�ymenu,as Pollowa: -_
<br /> �^t�-`p�`.:- � 1. ADJUS7'AO1.E INTCRFST RA7'E AND M1fONftILV PAY�tENi'CHANCE4 ---
<br /> 1r �', (A)G7un;e Data
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<br /> 1 t-�; TheadJusteble interat rete I will pay may change on tho firat dny of......g�F.'FF.�:�4f?i................... 19..9!�...,and on ; ,
<br /> ti' , .--'�` thatdayereryl2thmon�hthereafler. Cachdatoonwh(chmyedJua�abieinuratretecouldchengeiscalleda"Change �„,:":.
<br /> = n � Da�e." . �t':
<br /> + 4n25`t�fr�#�{ (Bl'Iholnde% r —�
<br /> �, � � �' Beg(nning with�M1c first Change Da�o, my edJusteblc Interu�rete wili be based on an Indcx. The"Indox"te the ��IY
<br /> t�tlf b11'�r.`� �Y�1�'i 1 : ..
<br /> +reeklyeeuegcyleldnnUnl!e�ls�e��!Tr��urysrcudiie+adiustedmeconstanunnturityotlyear,aamadeave(I�bleby ��t( �
<br /> � �t� ' �� tho Fcderal Resorvc'Qoard. Tho mast recent Index Ilguro aveileblo as ot ihe dete 43 daya before wch Change Date is s;.` m . -
<br />'i� . , ' celled tho"Currcnt Indcx:' �?�r�� .
<br /> � -i ,'ry;,'.�: If Iho Index ie no longer eraileble, tho Noto Holder will ohoou e now(ndox which te based upon compareble - _��� ' ' - -_ —
<br /> <' � �:� '• Informndan. The Nma Holder will giva mo noiiw of this cM1oiw. � �
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<br /> �ti - ;a. (C)Giculalion of Ch�nga 2.750D0 � =
<br /> ; - t,�f€, Beforo eacL C(4a�p�$te,lho Noto Holder wlll calcule�o my new intcres�ratc by edding .................................... '� �j .
<br /> �, �i }�Y,l� percentege poinu(..'..............'b)to dm Current Indcx. 7'ho Noie Holder will�hen round tho rrsult of this eddi�lon to - �� °�` '�' .-
<br /> ', �,�t -
<br /> n�'i'; tqe neerat onaeighth of ono peramego polnt (0.125`b). Subjec� to�ho Iimhs r.teted in Scelton 4(D) below, �hb 's�,J�t���`>('L_._. �
<br /> , �1��i' oound:i am�n�will bo my nmv intcrut mto um(I tho ncxt Chengc Peto. Y",�! t ��
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<br /> .�,,• „+,_� �:.{; 7'�h;Kn.:¢kJ,dcr will then delcm�ino Ihc amount of thc monlhly paymcnt thet would be sufiicient lo repay lhc Z'!� ;�(��>�{�?k�,f.
<br /> �,;�.;i vmpai5�cincip::7 thxt i am expec�ed to owa at ihe Change Date in full an Qw mamrity date et my now Interasi rato in ;,rff4, � �} -;-;
<br /> ' ����}����"�'� suts�antiefl c uai m:me. Thc result af thia calculetion will bc tho now emount of m monthl a mom. ' ? f��'"=-
<br /> , , Y 9 P�J" Y Y P Y ;�: y � . ,
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<br /> , ..- .,• (�)17mI1s on inleresl R�te Changcs �
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<br /> r ,.. ".� 7hti 1r.res�ratclemrcquircdlopaya�thefirslChxngeD'atewiiinulbcgrwlerlhan....Z.:12500 �,yorlaslhOn ` ' .,
<br /> > �-- •' 3.1[�500 %. Thc+eefter,my edjustablc interest ro�e will ncvcr be increased or dureased on eny aingle Changc ., �sS ,
<br /> .� ......................... _
<br /> ,�,_ -•' -.�� Mte by morc then �wo percentagc ;wims (2.0`.i�1 fro th c of imerest I havc bccn payins for tM1e prceedin8 12 -• � „` .
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<br />. ':� . �' - ',,.;; mon�M1s. My interest rete wiil ne�¢r bc greeur than......r..............90.�vhich is called thc"Mezimmn Ratc'. •. ,��, ...,..
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<br />_-�:,_.� �t (61 ERaNre D�te of CMngcs ,�,,r,��_,.�.-��.,'_;;q..
<br /> ;.:l,i, ;. `�!'��' My new imerut rate w'ill become clTcctivc on cnch CAange Date. I will qa�ti:e amoun�of my ne�v monthly paymcnl ,-. +.
<br /> ��`"�:'s';.^, beginning on the first monthly paymenl dme after�he Change Daie until ara nmoum o(my monthly payment cAanges _ � -
<br /> � .`�,. egain. � . ..
<br /> - • . (F) Noticc of CYnnges . .
<br /> - Thc Note Holdcr wili dcliver or mail to me a no�ice of any changez in my adjustablc intercsl rate and thc flmount of " � - - �
<br /> `� ;fi, my monthly paymen�before�he eRectire date of an}chinge. "f he notice will include informa�ion requircd b} Iaw w be i�,�
<br /> . . � 6ieen me and s�so tAe tiile and�dephone number o(a pe�son xho�rill answer any qucstion I may have regarding the ; -
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<br /> ��.-��� - notica � . .
<br /> �� D. FiXED ONiEREST RATE OMtO� F
<br /> � . ,{(� - The Note prorida for the fiorrowu i op�ion�o conven from an adjustable fntera�rate with inurest�ate limits to a ' ���,:! '.. .
<br /> _ .:��. fiaed inurut rate.ns follo•+s: ' �" �
<br /> . "�-'� .� S. FiXEDIN"fERF�fNA'tECOYVERSIOYOPilOY E � �
<br /> - (A1 �y�fon to Comerl lo flxed Reu 1
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<br /> �..- ,�, �:u'.r �' IF.irtaConversionOptionthatlwr.uerciseunluslzmindcfaulior�hisSec�ionS(A)willnotpermnmc�odoso. �
<br />.. -. - The"Conrcreion Oplion"is my oplion to eonven tF.e intcrest ra�e 1 am rct�ui:cd to pay by this No�e trom an adjustable I
<br />. �' _ �+, rato wilh intera�rete limits to the fixed rau wlcutated under Section 5(D) below.
<br /> . - - Thewnvcrsionwnonlytakepiattonedate(s)specifi:dbyiheNouHofderduringtheperiodbeginr.irgontAefirat �
<br />� �- � ' ChangeDateandendingonthefihhChangeDataBachdatae,�rKhmyadj,swbleinteraer:escaneoa+entothenew ;
<br /> �.,,�`-` •� fixed mtc is calltd�hc'Convcnion Da�c." � �
<br /> : If 1 vianl to excrcisc�hc Convcrsion Option, I must first meet ttrtain conditione. Thase condition;are thac(i) I �
<br /> � •• - muri give Ihe No�c Holdcr na�icc�hat 1�vant to do so:(ii) on lhe Com�ersion Da�e,1 must nol bc in 6:hulc under the
<br /> "- � Note or�he Securily Inslrumem;(iii)by e date spccified by the Notc Holdcr,I must pay�Ac No1e Holdcr a eonrcrsinn
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