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<br />     `+�(rJ 1:  		"Chnnse Unte'meanx each Uate on n�hich Ihe inleres�rme cuuld change.    							- 'Ii`�ififrtij�t' � ��.:
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<br />  -    			Reserve DuarJ. "Curwm Index"mennx�he nmsl reccnl InJu figuce nrailable 3U Jays b:fore�he CM1xnge Date. If Iha Index       I _  .       ,: ��.�_}�_:i
<br />  �       ����  		(ax defined nhove)is no longer availa6le.Lender�rill me ac n ne�c Index an��inJex prcscribed by Ihe Saremry. As used in			..;�;..
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<br /> 	'    		ihix RiJer."Sccrcmry" means�he Sccrcmry o(Honsing anJ ll�hin Ucrclupmcin nr hia or her Jesignce. Lendcr will Rire       ��       „   .  .   .�
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<br /> _ �. �_�;.,,�_   		pninw(    	`'+f�) �u Ihc cnRCnt Index anJ raunJing ihc �um io i6c ncarcq onocig6th of onc percrntagc poim      V, _..  _  . ,  . .    ..
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<br />  -.   �   			"ILr imeresl rate will nerer inc�e:ne o�Jrrrca�e h� mnre Ihan un.�xrcrmage�x�int l L07N rni miY single Change Uale.
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<br />       -       		Ihwugh subslantiall��cqual pa)nuN•. In m::Amg wih cJculalinn.I.cnde�will ucr ihc unpaiJ prineip:d M1alancr M�ieh«ould     �     		.
<br />       			be o�rcd on ihc CLan�c Uaic if Ihctc had IMCn nu dclauh in pa�mcm on�hc Notc.�cdurcd h���hc+moum of any prrpa)nuN�    			�
<br />  •    			to principal. 7Lc¢cuit ol ihis calculnion xill Ir�hc:unnum o(Ure ncu momhl� �a�mem u(princi�nl and inta<sl.
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<br />    				Lcnder wili givc no�icc�013onowc�al a�n dr.mgc m Ihc inlctcal�aic anJ m�+n11J� pa)NCnt amounl. iLc nnticc musl
<br />       			be gi�en al Icasl I5 Jays Ixfo�c thc ncw mumhl? pcnmcnl amnunl ic due. :wJ muH arl fnnh lil Ihc dalc ef lhc nulicc.
<br /> .       ..     		lii)Ihe Change Uale. (iiU ihe oIJ ime�c.i �a�c. lirl �hc nc��� imc�cU iale. h9 Il:c ncw moNhly paymem amonm. hb Ihc
<br />       			Curtcnt Indcx anJ d�c da�c il �.a�p��Fli<hcJ.1�ii1�hc nuihinl al c:drulating �hc chaugc in monihly pa�mcn�amnum.anJ
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