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RE RFCORDED � 99 iu9si4 ts�as9�z msde available by the T�ederal Rese�rve Board.The�snost recent Inclex fignre available as of the date 45 days before each Change Dato is callod the"Cturart lindex." If tha l�dex is no longer availabla, the Note Holdar will choose a new In�iex k6mt i,t ba.sed upon camparable inforniation. The Note Holder will�ive me notice of tltis ehoiee. (C) Calculation of C�es Bzfnre es�ch Chsm�e Dsue, the Note Holder will calaulate my ne;w intv�st rate by adcling 7Wo AND SEHEN L'IGNTNS percentA�e point(s) ( 2.a750 q) to the C1urent Tndex. The Nota Holder wiyl then rouud che reyult of this addition to thc near�t one-si�hzh of one percentage point(0.125�). Subjocc to che limits st�ted in S�caon 4(D)below, this Tounded a�o�ot wi,li be my new interest r�te unkiT thc next Clunge Date. Th�Noto Holder will thea determint thz amount of thc monthly payme�t tl�at would be�vfficient t� ropay the unpaid principal that J am expected to owe st the Change Date in full on the Maturity Date at my new interest rato ici substan.tially equa3 payman.ts. The result of this caiculation will ba the new amount of tny month2q payment. (D)Limitc oa Interest Rate ChAnge,c The interest rate I am required to p�y �t the first Change D�te will n�t be �reAter than 8.1260 � or less t� 5.1250 �i. 'I'he�rrafcer, xny inte�e.ct rate w�ill novcr be increas�d or dccx�ascd on any siagle Chaaga Datc by moro than two percentage pnints (2.04�) from the rate of iniere.�t I I�ve been paying for the preceding 60 months. My intere.et rate wilt never be g��pr� 11.6250 y'o. (E)Effective Date uf Cf�anfies My new interest rAte wi.11 beeome affi�ctive on each.Change Date. I will p�y the sunount of my naw monthly paymen.t beginning on thd first monthly paym�nt dsite after thc Chan.� Datc until tlt� sana�t of zny monthlY AaY�eat c.hange.e a�ain.- (F�Notice oC Chen�es 'Y'be Nota Holder will delivcr or a�ail to m�a noticc of any chaugos ia my interest rate anc!thc�awunt of my a�nt�ly paymccx�c befare the effective dace of auy chan�e. The n�tice wiIl include inforu,acion requiseci by law to be given me anid also t�►e titte md tel�phonb number of 8 person'W'ho v�+ill st�wer �y quzsrion I may have reQat+�ing the nocece. �. TR,f11�SFER OF THE FROPERTY OR A BFNE�'ICIA�I.�REST iN BORROWER Uniform Covanant 17 of the Securiry Instnm�nt is amended to read as follaws: �'r.to�f�r of tbe Aroperty or a�ene�i�a!�nterest in�orrower. If a11 or sny purt of the property or any interest in it is sold or transferred(or if a bznaficiai inter�st in Borrowcr is soid or transfernd and �iorrowcr is nnt a natural per�ou) without I.Cader's prior written consent, Laadtr may, at its option, require iznmediate payment in full of all �ums se�ured by this Security Insirument. However, thi� option shall not bG axercis�d by L�det if az�rcise is �rohibitdd by faderal law as of the date of this Security In�trument. Lender also ghall not.exercise thix option if: (a) Borrower cau.ties to be subaritted to �nder information rcx�uire8 by Lmfl�r to avaluatG the int�nded transferee as if a new los�n wzre 6einr made to the In+tiels: C �-865{J(9705) Pegv Z of 3 Form�131 7/� DPS 9608