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99 111650 (C) Calculation of Changes 5123426REL Before each Chan�e Date, the Note Holder will calculate m new interest rate by adding two and.three-qua. ers ..percentage points (...�:�0....%) to the Cunent Index. 1'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 ,,..12:500,.,....,,o�o or less than ....z:750.....,,o�o. Thereafter, my adjustable interest rate will never be increased or decreased on any single Change Date by more than ,two................................................................ percentage points (.....2.000.......%) from the rate of interest I have been paying for the preceding 12 months. My interest rate will never be greater than ....12.500.....%. (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 beg�nning 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 the change in my initial fixed interest rate to an adjustable interest rate and of any changes in my adjustable interest rate before the effective date of any change. The notice will include the amount of my monthly payment, any information required by law to be given me and also the 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 1. UNTIL BORROWER'S INITIAL FIXED INTEREST RATE CHANGES TO AN ADJUSTABLE INTEREST RATE UNDER THE TERMS STATED IN SECTION A ABOVE, UNIFORM COVENANT 17 OF THE SECURITY INSTRUMENT SHALL BE IN EFFECT AS FOLLOWS: Transfer of the Pro�erty or a Beneficiai 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 Borrower is sold or transferred and Bonower is not a natural person) without Lender's prior written consent, Lender may, at its option, require unmediate 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. MULTISTATE FIXED/ADJUSTABLE RATE RIDER- 1 YEAR TREASURY INDEX Form 3182 5/94 EC113L Rev. 01/14/97 Single Family-Fannie Mae Uniform Instrument (page 2 of 4 pages)