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<br /> � •IHIS AriIU,'1'AHI,'P.ltt1C};K1UER is uuule this 2Rth Qxy of
<br /> ' Apr-i l 1�95 acd�i3 iRc��sornred into�scd shall bc d�emcci:u anzcnd a�id supplerr�nt
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<br /> (the"Ir_lder")af the same date and coverin,�the pra�r,rty c1G:1,yit�:r1 in the Secur�ry Inswment and l�catr.�A at: _
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<br /> TIiE NOTE CONTAIN�• PROV[S1Q�IS .A.1„C:K�1N�141G F+OR CHAIVGES IN :�'IiE
<br /> INT�RFST RATE AI�JI) '�IE� RiUDi'J'LI�TI. ���'t3i11F�N'�: 'Y'H1G NOT� LIM1T�.'1C`�rTi� -
<br /> A�a�i3i�i i ric nviuiv�:�n'�:3�j:R.�S�'!'+�A,��+d"AN CIfANGi:AT A�IY ONE TIMF:
<br /> ANm'F`HE AfAXIMYJM RA?fE THE liQ►�jR�1Vltt:'I1;,,'iYAUST PAY.
<br /> ADDITIONN.. CQVENAHTS. In� cu.ldition �� chr.•��ur,oan�h.and �greements made in the Security Ir.strument,
<br /> Borcower and Lender further covc�►ant mtd,�}e r,c as foilows:
<br /> IN1'EREST RAT��4ND MONTHLY PAYP�IENT CNAT�IS�P,.� `
<br /> (A) CBAngc Date ' -
<br /> . . TFe intemsc r.r.o may rh:u�ge un ine�iis�d:sy of JU ly► 1, 1�36 ,:u�d tha¢dny of�.h siiceGCdi��;yr.a,;, , . =
<br /> "Ch:�:;�c Date"mcans each d�te en whicli the intcrest ratc�could.whange. =
<br /> (B) Ti�e Imlex E�""
<br /> BeginniAtg with thc first Change Date,the intcrr.st r�tr,.�r�ill be bascd on:u►Inriex. "Index"means dic weekly average ' `
<br /> yield on United Statcs'Iteasury 5ccuritics a�justed ta i+ cons�znt maturiry of one year, us made available by tlie Federa! ;`=___
<br /> Rcscn�c Bo�rd. "Current Index"means die mo5t rcxent Ind�Y.!tigurc available 30 duys befam die Chanfie Uate. [f the Index ;_
<br /> (as dcfined alwvc)is uo longcr availabte,i.ender�vill use as�a nGtv Index:tny index pt�escribed by the�epnrtment of Vetemns � -
<br /> Aifairs. Lender will g+ve Burrower notice of tlie ne�v Indcr.i _ � �'�
<br /> � ;�
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<br /> (C) Calculdti�.��n of interest Ha�e Chat,g�; �'=
<br /> Before each Ct�ange Date,Ler.der rviU calculate a n��ti+interest rate by adding a margin of
<br /> TYto a�'1d One-hla 1 f percentagc points ;::`-
<br /> ( 2.500lF�b tu the current Index and roundinL ttear;u�n to the near�st onael�:�th of one perr,entage point(0.125no). =T:.
<br /> Subjcct to the linuts statcd in Par:igraph(D)nf this Rider.tliis rounded:�►u�Lnt wiiE be the new intcrest i�atc until the next �'-'��
<br /> Changc Datc. :��
<br /> :�,
<br /> [IJj Limits on Intct�cst Rate Ct�ai�rs '��
<br /> The intcrost rate �vill never increasc or decrease by more than one percentage point (1.0°0) on �iny single
<br /> Changc Datc. "!1>.e�atcrest ratc�vill nevcr be morc dian fivc percentagc�c::���s(5.0°,b)higl�er or lowcr than the inirial interest
<br /> i ate. ""
<br /> (E) Cntcale�tion uf I'ayy�cnt Ctuunge
<br /> ' If tiic intc�+est ratc ch�u��;cs on a Cl�an;e Date,I..crtder will calculate ttte amount of montlily pay►ncnt of prinripal und
<br />- interest�vI�icl��v�a'.�be necessary to repay Uie uupnicl princip�l Ualance iii fiil9 at the maturity date at the n��u inte�st rate
<br />= t6ro���h suhseanticilly cc�u�l paymcnts. Tn maltin�s¢cb catculation.Lcndcr will usc thr,unpaid principal t�alance which vaould
<br /> - bc owcd on thc Chan�c Datc if th�re tiad hcen nu dcfault itt paymcnt on the Notc,rcduccd by the vnount of any prepaymcnts
<br />._ co pi•it�cipal. Tiic rosult of tliis calculation�1ill Ue the amount of the new monthly puyment o�principll and interest. �
<br /> ` (F) Noticc s�f Ciacic��s I ,
<br />- Lcitdzr wiil��vr.nutici to f3umn��cr of any dcan�c in thc inccrest ratc and ntiondily payntcnt amount. 7'hc notice must
<br /> - bc�icen at lcast 2S duys Gcfore tBc new moythly payment amount is duc,and must set Cortii (i)thc date of thc naticc, i
<br /> - tiil ih�Ci�ansc 1?atc. (iii)t[za olsi iieterest rnte, (iv) the netv interest rate, (v) the new montlily puyment amouei�Ivo)the � ,
<br /> � Curd-cut I�ulcx and tlic date it�vas p�blishcd,(vii)tttc mcUtod of calculatin� thc chungc in monthly payment nmount,und „
<br />; �viii?any�otlice informatio�i which inay�be my�ired by la�v from time to tirnc.
<br /> = VA AJ1lt;1:S1�?0 Atl;uS!Cb10 R^t0 F?idCf (Pa,ic 1 nj2 t�a!,esl arc���c<<ae�;,,c���m,s,i�c.■
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