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<br /> � , � 2e�tate N�nte ths �`'�:
<br /> . . d n s tr�m t c�►��f Q E e�ame d�g a v e a b y the umd�iBaed(t�°Buauwea'�t�s�ue Bcau4rea's Adjustab ( ,S•"
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<br /> , . �' '. 7'ffi.S 1°ItY�E CONTAIl�13 PROVISI01+15 f+lAi.I.�WlNG FOH CHANC:FS,IN MY.II�PT�T BATE AND MY �;;,�t
<br /> IN']fflL���'�T RATL�9JY.L 13ES[JI.'�IN�ti�P�lYMSt�IT3. �T;:•.;
<br /> ,� � 4>, -- N�ONTHLY PAXN1�i: INCREASES �
<br /> �- . �� � pFr_u�a�zc yN T��'BATE Wn.l.gt�6J1.T IIvi L4i�Eg PAYN�AiTS. . ��
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<br /> .`- �On tn the cove� end a�e�ts m�'� the S�ity Instmm� �:�:�
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<br /> "`;�'.,_�T intar+esttate�diemantvll►Faym�s;�fcu�arr�� .' , � ` ,. . =_:=-
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<br /> . � .. 4.II�PfER�BATE AND MOT�PrH1.Y PAYNII�A�I'P CHANt's� -_--
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<br /> • . •, ;. . 'Ne intarst rate I w�l pay may ct�ge on the fast day of DEC8I�SR � 1996 ,gnd on�at�ay .
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<br /> ..,. , . , .� . i2Ta monQ�thereaftea.E�A da�'on whicb my int�st�ata conld chnnge is a�alled a"(�ge Date.
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<br /> -,�..•.fiT.. �w�: Beginning�.vitb tRe ffrsi C�nnge Bsue.my tntr,m�i rate will bobas�al an en�n�ex.lhe°Index"ia
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<br /> ��:'r�j�,•;. , .. THB WESRLY AVSRP�t98 YIBL� OPI UNITBD STATEB TRSASIIRY SECQ�ITI83 31DSUST$D "�'Q lA
<br /> T��`��,<�,?��.:, ' CON3TAI3T [�DIS�RITY QF 1 YEAR. A8 MADB AVAILABLE 8Y T88 FSDSR3IY+ RESERVS BOAR!D.
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<br /> --==�y:�-r':�'�•,� •� � 'Ra�mostreCent Indai[ft$aue Sveifabk a9 of @ie date:� 45 days❑
<br /> -- � befare�h CLaago'Dat�e is caIled tha'Carteat�aGex•" .
<br /> ---����_�• if the 1a4�is aa Ionger available:the Note Kolder wiri choose a new inde�c tbat is tiaseA upa�comP�able�afarn�i0n.. .
<br /> �=:=`�� � ZheNateHoldes wiU give me nodce of this cha;c� �
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<br /> _ .�� Befam aach C.trange Date.the Not,e HaIdea w�l cakulate�y new inie�st=su by qddin8
<br /> _a��,s-a�,: � .TWO AND ONS HAI.P D�IItege PDiIlt(8)( a.500 9'0)t0 the�t IndOx.
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<br /> -�r-«�= -.. ' '�heNot�Holdea w�l tha�muu8 the m.�ultof this addition tu t� �Ne�est 0 NextAlg4iest []Neatl.ow�o?.
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<br /> ---:�r._��:e�� Subjeci on the limits sffitW in Secdon 4(D)below,ttiis muaded amount w�l t�o ary new inunest zate antil the mszt C`hange
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<br /> -;'�:�;�'.1�'�, � 1�e Note Hotdea aitL thea datamine the a�nunt of the monthly payme�nt thatwonid be su�ici�t w repay ttx�rmpaiA
<br /> -- °. --"'. �. principal that I�n exgxt2A to ar�e e3�e Changs DA?a in fr!1 an the m2,t�ity fate at my nea►mtccest zata ia suUsfanttally �--,--
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<br /> - . cqualpayments.'Ihe resaltof this catailationw�716e thenew emountof my mvnl�lg+PaYmm� --
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<br /> • °��.�� .. . :�� �: Pl e chickapproprtate boxes,.�no bosts cfucl,rtd.ehere will benomaxlmunsltmtt on,cfranges.l �;;
<br /> �` �(1)'Ih�re wiIl be no maximnm timit on intt�t�trate changes. _-
<br /> 48 � _
<br /> � �# 0(B)'Ihs int�est rate I am raquire,d to pay at the first Cf�ange Datc wj11 not be geeater than 8.500 � �'c
<br /> �},. �te3.9�h211 4.500� �Pa. � � . . �tt.J.,.
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<br /> � � Q(3)My interestrate arill neverbe incre�sed drd�reassdon riay sing2e ChangeDateby more t�an �;:',:
<br /> ' «� 2.000 %) from the
<br /> � .. Two psRCSrrr �mge point(s) (
<br /> .. . rase of int�est I bav�ire�"n paying for tHe�g P�a � . .
<br /> - - ,' .: �� Q(4)NIY�-t;ate w,��.�ve�bC pteatet than 11.500 %.whiCb is called the"lt",3�[imum RePC." : .. ,
<br /> ; �5g,"Nt�L� � , R1L`�I�"' �III.L NSVBR BS LBl3 s �f3AN 4.500�. , �`.
<br /> • ' ' • aAULTi�'ASL�AQDdFl��Q31E RA41'c C'r�ER-Sin�te.Femiry �'9� • :��.
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