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�_...""�.�i �� , . �.�.��� <br /> . .i �i , . 1 . . _.Y.c.1�N. „ .�>. <br /> .. '� ' . . � .. . " �._�Il-.a� ,._���� � ..:� --._-__ <br /> .�.vuL1r�lISrR�M'J.Y-_'�R�L1A �'��Su.Z.'� ��i.�4���'r��L__ <br /> �:��a�' 106�1:� �ER��oR =. <br /> o . ����•��o'��� � <br /> or leu tb�� 5.OOQO �.Then�Rer.mY�4luctable laurest rue wiU ne�tir 6o iperaaed or decn�aed <br /> cn aaqr dajte Ch�mse Date by more th�a TWO AND .0000 percentt�e <br /> pofat(e)( 2.00 0 b So)fco�the rato af tatcr�t i havo�paying ior tha prer.eding 12 montha. � <br /> My tntet�st r�te�viU aaver be fcaiter 16�n 13.0006 9i�whieh i�allod tbe"Muiraum Rue.• <br /> (E)ERa�l�e Dite at Cbaa=er <br /> . My t�ew inunst rate will b000me effecttve on e�cit C�nge Dau.I wi11 pry the unouat of my�w monthlly . <br /> Psymeat be�tnaia6 an �he Hrtt montdlY P�ymer►t due�fter the Cdiage Date untU the umuat oi my montbty <br /> P�l'�t ch�nga tgatn. <br /> �Na�ice ot C6�n�ee — <br /> The Note Hold�r ail!deliver cr Aull to me a nodce ot u�y changa in ma►dJust�ble interat rate aud the <br /> amou�nt ot my monthly p�ymeat before the effecxtve due oi a�r change. The notice wtll include intorswdon <br /> t�quMod by Inw tu Ee ttven me ud airo t!►e dtle�ad telephoae aumber of a persoa who wW um�ver u►y quesdoa <br /> I nyy h�va re�udinj the notloe. <br /> H. �D IINTE1tFBT RA'TL►OPl'ION <br /> 7he Note provlda for the Bomuwer•�optton w ooavat fmm�n adjuu�ble mtesat sue wlth fntaest rate <br /> ltmite to A flaed intetest r�te.aa fo11o�: . <br /> S. FfXLD IIV'dE[tF�TT RATE CONVERBION OPTiON <br /> (�Opfton to Coarat to�U[�d Rate <br /> 1 have t Convereion Option thu[cea eatercise unleas I am in default or thi�Sxdon 3(A)wUl aot pexmit me <br /> W do�o. The 'Oom�a�ion Option"i�n�y opilaa to ooavert We interest r�te I ua required w piy by thti Note <br /> ltom�ea�usublo�te with Intenst nte ltmita ta tbe flud raoe edndated nnder Secdon S(B)below. '. <br /> The aonvenlon aw oNy tufro pl�e on�date(�)apeoifled by tbe Nou Holder dutinj the pertod 6eateaiaa on � . <br /> the tlnt C�mge Dase and eadiqg on the fifth Change Date. B�ch date on which my n�jnst�ble icterdt eate cm <br /> ooavert ta the nea flxed rite is called the"Coaverelon D�te." <br /> Ii I want w o�cetclte the Convenion Optlon�1 must fltrt mtat ee�tttn c�oadiit6um. 'Ihoae candit�om u�e Wu: , <br /> � . (i)I mutt�tva thn Note Hotder aotioe th�t I w�nt W do so;(U)on the Convasion Due.i�ut aot be!c defiult . <br /> ' uader tbe Note or the Socur[ty Io�suumeat; (lii)bp a due yxci6ed by rhe Nate Holder. I nnuat pay the Note <br /> • � Holdnr s camro�efon fea of Q.S:S 250.00 ;�nd(ivy i t�st t�n an�aiva fie�iom�older a�r <br /> do�aimenn t6e Note Holder nqWres to effact the oonvenian. <br /> (B)Gka�dtaa ot Fhctd Rate <br /> My�wwv.Rxad lat�[at r�te wW bo equil to the Feder�l Nadon�l Mort�ge Aawd�don's rcquired net y�sld <br /> a�at a due�od tl�aa ef d�yy spcctRed hy the Nooe Holda for(i)if the ori=Inal term of thtr rlote b�eaur thm Is <br /> yeu�� 30-year ti�cad eue motqtgd afvered by p�plirable 60�d�p► aimd�osy► deliveey aammitooeab. Qius <br /> flvo.el�hth� of ane peioeatqe pciut (0.615li). rainded to the � one�ef=hth of uae pa�oauqe pomt <br /> (0.125�).ot(i��lt tUe o�+.�l teem ot tbf�Nae b 1�yan or ler�� is�yeu tiud e�te moet�a oovesrd by <br /> �PPI���i'��Y��'��ptw 8vad�t►tds of aoe pa�n,.�`�potat(0.�39i),�nded <br /> W tbe aeare�t anaelg6th ot ane Pemnt�e Pelnt(0.123li). It thlt requirod aet ykid cnnat be deterained <br /> bxawe tbe�ppliraWo��',;p►is�ra r�ot av�it�lrle. t5s Note Holdr�wit!�',�ry�► i��t e:�e by wl� <br /> oomp�r�bie infamrtbn.My o�rate t�la�t�cd uader�6is SaYloa s(B)�vlll not be pata thm tDe Mudmum <br /> IWe u�ted in Sectioa 4(D)�bove. <br /> (�New�jrert A�ow�t�nd E(teeNt�IIate <br /> IQ I choo�e to e�ercLa the Comenian Option.t1�Note Holder�vUl detennine tLe amount of tDe moa�ly <br /> , p�yya�t Wt�rould be�t to npfp►the uap�W prinai�l I�m e�cpeebed oo awe an tDo Caaranlon Date!n <br /> iWl on the M�bulty DMe �t my �+v flxed iataat t�te 6t �ptbhatt�llY eq�W pDrment�. 'i�e tesnit of tbit <br /> pt�ulalon�vill be tLe ae�v am�amt of my montbfy paymsat.Bedmiaa w1tD tny Mt mombty pqtneat altcr tbe <br /> Conventoa Dra.l�vill pq tLe t�cw�tuouat u nq►monihiy P�Y��d!the Maturity Drte. <br /> C. 7RANS{�'Elt OF'1'HE RLOPEATY OR A BENE6ICIAL II�SERFB!'II�i BORROWER <br /> 1: UetH Born�va w�erc�es tha Comenion �ptton undGr tDe eomidom w�ed in 5eaioa B of th� <br /> Adjwnbla Rate Rida. TJnifonn Covea�at 17 of t6o Searcity Imwmeat i�anxade�to e�ad�foUowa: <br /> �a�n atts t <br /> . �u�� LZ843 890 �,�,:as �,�„ � <br /> � <br />