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. .��;,., " '' ' 1t�577-i-1• � . '� �� d� �. (7 Y�t�r T�aur�►tndwx -W��rpej (�,�.,.. �.�� ., . r�a�o.rusrrw�w►��n b�n.a��nM..�d_ anr�.�ua�_ . ..1��.r.� b InaorpaNlad kAO and e1wN b�d�ar�M1 to Mnw�d M�d wPPNmw�1 M+Mwt�� Dred d Tns4 or B�awMy t�d �th�"8souiily 1rt�tnrr�nt•) dl 11M�iN10 QM/a11M1 dY��NP��'��id I iwwwM� Mr��'��L�f R�NOf�(th�`KOt�°� tO .��.au�+r-�+ -- (th�"t�ndw°) a U►e w�w�t�w�i�x+Y�.�.:w��iy ci�•r,uws:t Gi G�� «:.r��tn�,z�a r,nfl to�!-?i eh�._--.— --.—, , 114 I�TH C�LNEUWD 6TA �Elt'* -- b�„�,,,AND ISLANQ titsbrmlaa 6AlQ3 , �_ (PropMty Adaraa� TME NO?E CONTAIlIS PROY1810l�IS ALLOWi1�i0 FOR CHlRNa�IN TM�IN'�REST R/1'iE /WR TH� MONTHLY PAYIN�M THE N0�7E U/�RS'�t1E M�OUNT'1'HE BORROWER'S It�'F�AEaT RA7E C/W CHANG�AT MIV ON� TI�E JW�9'HE NAXtMUM RATE TH� �OAROWEW IIAUST PAY. ADOIi1CNAL COVEt�1ANT8. t�addMlon to th�caven�nts and agewnenU nrd�h tfu Sacudty InsU�urt►�r►t,8omativer u:d LendR tu�?h�r CfiY'w�it Biid ii�W 88 f0Esi7?: � /� INTEqEST RAT6 AND 1{�NTfILY PAYMENT CHANiiEB Th�Not�IprorkNs far an Initi�f k►terest rate of 5,�� 7b The Ptote provides tor chartpe�h ths interoet rate�nd ihe monthy p�ymM�b,as tofY�wr. ♦. IMEREST FiA7'�AN�INOM'7�ILY PAl/MENT CFUWGI�S (A) Ch�n� Dat�s '�i�(nt�nst�1 wW pay m�y ctang�an the tirat dry of JuM , 1995 ,and on tGrb4 day ev�yl tw�Mth(12Ih) month theradter. E�ch data on whicb my intemst rate couid ctw�ge ds c�lad�'Ch�npe O�te'. (�j Ths Irtdsx gepk�et�Q wNh the tirat Chan�►Qata,mY intaaat rate wft bs bnaed an �n Index. Ths'Indax'is the morrthty averape yidd on United 9taqs Tn�iuey s�aaf6M�dJustsa to a camwit m�turicY of orte fi)�.r.ae mi�ie�+-�tFs t�tlss Ss�s3!R�:esve 8�t�. Tt�s�t�!r!� cent Index 1i�urr avaiMWe'aa of ths d�ts toriy-flve Q15)deya bdore ear,h Ctiu�g�Ode t�eaYed the'Currer►t Index'. It Me Index fa no langpr avaY�ble,the Note Hotdx wiA choose a naw indax whiah ts based upon comperabb Mtam�lion• The Note kold�wi!give rrn nartiaa.ot ihts chotae� (C) CaACUlsl3on�af Chang�s EiNore ach Ctw►pe•Oate,the Note Hoider wAI catakte my new Uotamst ata by addfng �a°� percadage poims w the Curtant Index The results of thts addidon wtn be my nerr Irtenaat rato urib'l$Ae na�R d�rnpa d�h. Subject to ths iknite suted in Section 4(D)below.thta new amaunt wGl be my new IMerest rate unUl tha nmct Chenpe D�de. - TM Note Hotder wil then determlrse the nmovr�t af the monthy paqrment thd would be auifldent w repay ihe un�id pdrtelp�8hsd�em = e�et�d to onvs at the Change Oate N NM on the m�tudql dats at ay new k�tereat retu b subst�it�jv.e�a�WYR►enta. TAe rees�tl'W thEs cakuiatlw�wIM be the naw amount ot my mornhy pfymet�f. (D� Umka an IntaP4at Rat� Chanp�s � Th�lnhrast R�te 1�rn raqufrod to Pay et the ftrst Chsnge Date wUi not be greate►than 7•78�D► 1�. 'ltienpdtr�rtryr irdereat rat�wiY ne+ret��be irtae�sed or daaeased on eny sh�e Change Oate by mare thrn 7•� — po�e�ntay�pohts trom the rate of brtqe�at 1 hare baen psyMiB tor the precedinA tweke 112)montha. My intereet _ rate w11 aev�r be�nata than_10$49 96. � (E� Eif�ettw �ab af CMang�e . My naw intrest ate wAI bncome eRfEn1ke on esach Change Oata. t wiil pay the amount ot my nev+t morthly Fa'lment Depinnins on the , fuat manthly p�ym�nt d�e aRn the Chtange Offie ur�h1 tha amourrt oi my moMhy psymmt chanfles e9ain• (Fl Natta� of Ct�at�g�a , TAe Note Notder wiN de9va or maY 4o me a noUee ot eny ehanges In my hdaes!rate end the emouM of my moMhy pay�ncnt before _. the eifective d�te ot any cAu►ge. The Y+mke wlq Indude fntorn�ntton requk+ed by taw to be gtnn me end dso tha tHle and teiephona =. numbw ot�paraae who wlll enswAr amy 4uesUon t may hare�egeMhig the�oUce. MULTfSfJ�TE ADJUBTABLE RA7E RiD�n�1AN1 9�2 -sm�o Fnmuy•Fannte MaelFreddle Mea Unfform instrument F�Modj�8g �t11.mn f►l9�) � ��