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Td��M03'E��I+{TA�NS�3��VISIt��S/��.�OVI�lI�G�i���HAf�+GE51N T�1E tNT�H�33 G�A►TE , . <br /> .,,, ;,' AMD-Tb1E,91i[Ot�l'NLY PAYMENX'. j4��-1.�l1flTS 4L�E A�IIOUMT TM�'F3�liR�W�'i.'.^.� <br /> . '.::•$,�,,' �qQJy$TI�L.E'{Ni'�EI�ST Ftlk�'f.�:�utt��1'fC/tNY ONE TI�A�/i'I�Q)"�St�I�Rd1�E9fl[fD(?�r � . <br /> , . <br /> , R�i'�� 7tiE,:�iO1��tOW,�f#�: Mtf� �AIY_ T�1��NOTE AtS� C�DPt�t�INS ,�'��, . ; . . . <br /> �� o�t�:���v�iri�i��us�r�:��a�ir����a�a�. : . . <br /> , ,� � a. r�};* g q ; ,: :,. '�. <br /> � . . A,�3��'.�'�'1-N�;��'��,�NANT3:In additia� csie covenant's and a re��..nts qiade enth�5e�urif,��5ttameni, <br /> �. Bort`�swB��}�eA��i``"�sr ca�en�nt arut"a�ree�as foitows:� .•.. `� _ ; . <br /> , � :. �s,,� .�. . E,. � , , <br />.� • ` �fFA�7�FSl�t�t:'^ : #.° f i��t}�-c:' � :[.� � .-._7�,r - - Jl.�, �. <br /> . ��,E R+1���►;A�11���TLY PpYh�T�:�GES �;-r��S i`�!�. ,' ` ' <br /> � �,,��h' ;,�'',��,c��rnvid�s,, i an i�it��'a�`�s��restrate af 7.5��t`��#`�THe Not��rovi�es�s`m�}�es in?��d;usta:1�;'. . <br /> ��t����tean8 tfl�u�i�F ly��ycnen�,s,as.falEc��: � " "'�t <br /> � �f�� 1� . • �f - ` ' !v r+,� . . . <br /> st . ; �• 1 �•';, • , • . � tz_ .� <br /> � � • � > '� .. � > >E� r <br />� ' , `1t����"'�,�fJ�BEr�Eltl!���Z'$A`TE AND�l�r�L�L�,�.``u�x.�ENTC�ANGES x�` t ` r ,,t�t ,`'.,�✓- <br /> �r ? � 1 +� Y7�,. . �.a. ..., . . -. ..d i7 ' . - . .... . � ii -r . - y�'C � <br /> / .�l�.t � - ���� � iiRt�(.� . . -� ;. -. � �r-r . . ./-�( ` �.- L`� : . �j i! <br /> /{';t'rli� : �'h�'.,,:?stabl�,��i�t.rat�Y m�}lt pay ma��tr�,ds�°�cuz�a��fa"�4 day o� UtiU$�T � �.t.4� 9b n� � , <br /> � �y,�;.�i�d'Q�t tt�a#`d�y�.'�rr������iontli��fiereafter.l�'��,�i.�� ss��t�p�m;S'a+�`��aa�Ie intecesi rRt�can�i�ys.��gb 9� s j•f ` . <br /> `".�`� �C�ICf���«�`�!atigc8��e.�yt . �3; ` '. � • cd1{%iu � �v:� � {i_ ::, <br /> . � l�ti)T'lii�Ynstex . '," . , �:y,l.{;t..�. :, . . . ,.. . �..• �, . <br /> ' � He��r�ning�with the first Ch�n�e Date.mysiyustaMe 9n�.:st rate wiSi be based oh ah Index.The"Tnde�f''ig j � ' <br /> "ih.;weekty average yietd an United States'IYeas�ary securities ad�usted ta a constant mnturity of 1 year.as rii�tlo'` . <br /> ' _ . � avaita'ble tsy ttta Fedegal Resen��Board.The most secent Iade��gure a�ailabte as o8 the date 45 day$before�ach ; • <br /> ..Change Date is called the�"`Cnrrent Inctex." • �. � � . � <br /> . Ii titc 9ndtx is nb�tongec avaiIabla.tha�Iut�Haldsr wi�l choase a new index that i�based apon e�mp�iable .. ,. <br /> � lnformation:The No4e Holder wi�t�i�re rr.�ttotice of this choic�. � � � . . � <br /> . tG)C�icatatioa t►t Changes� � �. � . <br /> . '. �efore eacti�haqge vate.the Note�Holder�wi�l ca[culutc my newinterest.rate by attding ' 2..T50 � <br /> . ._ percentage points(2.750 46f to the�Current lddex.The iVote H�lder wijt than rounct the result oF tlhis addition <br /> to the nca�est ans-eighth of one percentage point(0.l25!�i).Sabjcct to tac limits stated in 3ection a(1f)bebow,this �� <br /> �. rounded smonat wilt 6e my new interesi rate uritil tbe next Chango U�ete. � ' ' <br /> ' The Note Hotder witf tbpn determine��he ainount of ths�oathly p�yment that woul�t be suf�cient to re�y <br /> tfae�npaid priaripal tbat!am cxpectad to owe.at t6e Ciia»ge Date!n�'nll oa.the Maturity ibate at my new interest . <br /> '.. rate ia su&stant�ally equat payment�.Tf►e result of Mis calculation wili be ihe atew�amount�of.my monthly psy- ,. .' <br /> me�i. . . . � . . . . � . .. . <br /> �A)Limjrs os Intrrest S�ta Changss . . . • <br /> � � � �irrr.�rest rate I am reqaire�to pay at the first Chunge�ate will not�be�ieater than 9.540 56 nr Iess ', <br /> � ti'iarr�.���C! �o.TiiereaRiar,my udjvstable interest rate will�ver 6c itycreased ordecseased an.anyr singk Chaflge.Date . . <br /> (�y mvr��i��4 pementag�poidt(s)(2.�fo)fr�m the rate of interest I I�ave becripaylbg fpt the preceaing 12 monU�`s: .. . <br /> . My in:ere��f�rate wiit nexer be greater thail'3.SOQ�o. w�ich�iscallcdthe"Nlascimurrilt,�te.'" <br /> �Et16e�ve DMbe ot Chanaes . ,. � . <br /> � � ; iViy new int,erest rata will be�o�te effecdve dn each Clzaage Date.I wi�l pay tIie uzt�'sunt of my nc-►v mout6i�r <br /> p,ayment F,eglr�nin�an t�e�rst mont6ly payment date aftcr the Change Date uati9�,ie arr,ounx of u�y monthty <br /> . � p�iincnt chat►gts again. _ . <br /> (�.IVotict otGu�i�gds �_ •'� ' <br /> � The Note Hatder will deliver or ntail.to ine a notice of any chunges in�my adjuf;EaC�Is interest rate and the • <br /> amous�t of my mo`hthty parymcnt before the�eEfectivc d'ate of any cha�tge.7't�e nddce will Include infarmatinn <br /> ` required by tav�ta be giv�n me and al�so the title ttn�telephane numbcr of a perstsn who wilt answer any quesrion, • <br /> . 1 may ha��c regarding the mtioe.. � . ' � � - � . . � <br /> � _ .� 8.�Fi��iN�'ERF.S`�'R�4'E'E OPTIAN ' � . . , <br /> T6e Note pmvides for tlte So{�ower's aption to canvert fram an edjustabte intcrest xute witC�interest rate• <br /> � tinuts t�a fued interest�ate;as folMws: � .. � . � � � . <br /> : S,1FQ�D INTF�tFST EaATE COI�IVEASION OPTION : . <br /> (!i)�ta Cao�ert to FficeB fiale . � . , , . <br /> " I have a Comcrsion Opiion tlr�s'Q can exercise unlesS 1 fun in default or this Seetion 5('A)�ui�a not permit � � <br /> � rrce ro do so.'Q'he`•Conversian Qpttoa"is my optian to convert the interest rate.I atn required to�Say�Qry this rIote <br /> . ' '::.: firom an adjusi�bL race�=�ieS�intQrest rate lunits w the fuSed rate caicutated under Section 5(B)below � � � �. <br /> ,,;.:,� . <br /> :,:�:; 'd'he conye;sio�a can onty 4ake place on a date(s>speci�ed by the Note Holder during the petiod b�ginning on ' ' <br /> _:_....��-=-.-i;�-€'i,-�€�ar,��icna�-au��r�,�-s�r.:Ssee�ft�ng�;?sse.�F.��'s slrte�r���l:i�sss�;4 ••� I�iietbr � s c�.:'=:--___ . . <br /> con��ert to tt�e aetiv firceA rate is ealFed t��"Comersion T1ate." • . . � . . <br />= . GitlLitS7ATEC0lFYERFId1.�AAalUSTAfl1EFtA4EttflER—QHAlF7.Ati�—Sinw3FaTSty-1Y+,.�Troa.,-uaytnCas-far.n:olta0itr3to�n[nAtn:nar.1F�81191/E3 <br /> . NI'dG'LiIId93AS0 �fAQ&�'��ZP�SH1 <br />