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<br /> APDLIi 001-5060001L °
<br /> • ' ' t ,g�:� �045��
<br /> �DJLJSTABLE RATE RIDER
<br /> T�IIS AIIIUSTABI�RA1'B RID$R is med0 dli9 lOTH day Of �+x � 1995 ,aAd is r
<br /> i�nrated�nto aad s6all ba dan�od to amaiA and supple�aoat the Matgatg0.Daed of'I1n�at ar Securiry Doed(the"Sa�rtey
<br /> Iasnumeat'�of t4e seiae date givcrr by the nnda�sigaed(tho"Botrowar'� to sxuro Sotrowa'e Adjustebb�teta Note(�he
<br /> �O�a)� HOMg SSDBIiAL SAVZNGS & LOAN AftBOCIATYON�OF fiYtJ1ND IBLJIND
<br /> (the"Lantiar")of the same date and covadng dt�a propaty describcd in the S�cu�rlty Iaawment and lacated at:
<br /> ao7 Sieaxxoware
<br /> ow►rm zer�m, rr�stu►sxr� saeoa
<br /> (proparty Addnutl
<br /> T1IIS NOrI'E CONTAINB['ROVISIONS Ay.iAWI1V(i FOR CHATIQES 1N MY INTEAE$T RATL AND MY
<br /> MONTHLY PAYMENT. IPP�REABES 1N THB INTEilit,ST RATE W�.L R�BN.T IN iQ�HER pA'YMENT$.
<br /> DECYiBA8E$1N TII�IC�ITER�ST�A'��W(!.L RL�.%iLT IN 1.��PV�Fi PAXNIBMI'A. -
<br /> ADDITIONAI.COVENANTB. In udGidoa to tha oovt,a�ttt� �l �ients a�a in tbo Shc�iiEy �t� .
<br /> Bwrowa and L�enda further ooveaaat and egiea aa followa:
<br /> A,.INTERESP ItAT�ANU MON1'HLY 3'AYMENT CHAN(iE8
<br />_ 1be Note p[ovldos for en Iaid�tll iauresi rete of 6.S00 96.Yba Note p�rov�dea f�changas in the
<br /> inta+a�treu and tha moatWY PaYr��a followe:
<br /> 4.1NTERF,ST M9'E MiD MONTHQ.Y PAYN�F.NT CNANQE�
<br /> (A)Cl�a Date�
<br /> '1De iataest iato I wW PaY�Y�Be oA ttle�tst day of AVfiIIST � 1996 .And oA d18t d�y
<br /> eveay 1�T� moatli thc�aftu.Bach date on which my interest rate could cbacge�S callod a"Chaage Dato."
<br /> (8)TbeIndpc
<br /> $C$1RA10g Witb t�l0�Bt Gta1180�8t0•IDy$ltt�33L[8I0 WUl bC bLSOd O=t 8[t It1a87I.n10"TI1dW["f8:
<br /> T� WSHI�Y AVSlR�08 Yik'LD ON VNST$A STAT88 TRSASURY �9�CURI�'IB$ AD�TSTEx1 7'O A
<br /> CONBTANT M11TtTRITY OF 1 Y}3AR, 119 MADS AVAILABLB SY T� gBDBRAx. RESERVB 80ARD.
<br /> 'Iho mat rece�►t lndwc 6gn[e availsble as of.tho date: � 45 daye❑ .
<br /> befaro e�ch Clungo Date is c�I1CG tho"Cnnent Ltclen."
<br /> It tde 1nde�c is ao longcr evaitab3a�the Note Ho3dat wW choose a naw fada�c tl�at ia bnsod upat companbla inf�fa�doa.
<br /> 'lUeNote HolderwW give me nat[cocf dilnchoix.
<br /> (C)CdcnL�tbn ot Cbnn=ea
<br /> Befa�e each Change Dara.the Nota Holder ajll calcWate my new inu�ast rsta by eddiag
<br /> s�ro arm oxs �8 pa�ca►u,qe po�n�(a)( �.soo �)a t�e curcc�t In�ex.
<br /> 'it�e Noto Ho1da arW thm mund tho r�sult o1 thisaddition tetho �N� []Naxt Highest •(,�NextLu�,•
<br /> oxa a:a�rx {�
<br /> Sub�oot oo�ha Wn�smmd!n Secdon a(D)below.this mvndad ameunt wW be my aew tatarost rete unW the next Changa
<br /> . Dab.
<br />_- The Nota HolO�aill dua dete�rnine tha arnount of the monthty p�yment Wat woald be sufficieat to npaY die unpiid
<br /> _ principd tl�t I em aapoctaf w owe et the Chango Dato in thU on tha msnrcity dato at my new i�te�t nata in snbstantWly
<br /> equal peymp�ts,'�ho result of tliis c�iculadoo wlil bo the naw amount of my mont}sty paymeat
<br /> ._ (D)Limtts on Interest Rah Changea
<br /> = ose eluck approp�fata boxes:�no box is elucked.du�wtll ba no nraxtnewn ltmit on cltangea.l
<br />— (1)Tfiero wW be ao maxi,mws�timit on inta+est rate changes.
<br /> -'.._c��N.��n.._...:uY.t.� - -- - s.� n_6D� K,
<br /> � L f(2)'i'DC IlIiEjCSL IatB t�n iC�(UUOU ob piq m uio aua►�.a�m�v,�w waas..vs w 6...�....o., -�- •-
<br /> � pI�� 4.500 96.
<br /> � LJ(3)My interast rate will aever bo Incaeased ar docmased oa any single Chaaga Daze by more tlwri
<br />"; T�0 PSRCENT parowua8e Po�nusa( a.000 �o> fmm �he
<br /> '� raUe a�,tcrest I have beea paying far the preceding pealod.
<br /> = U(4)My interest rate wW never be�than lZ.soo 45,which is ceiled ths"Maaimum Rn�e."
<br />- TH8 "Ml'NIMOtR 1tAT8" WILL N$V8R 88 L888 THAN 4.500t.
<br /> kIULT1�TATE AOJU8TA8L6 RAT�q(D�R•8lnplo Family d114
<br />, • Psp�t ot Q
<br /> �•090A1040!) VNP MORTdAtifi FORN6•(t00)6�t•7II01 Inl�ltis:
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