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<br /> i'b�f�Ai�!l���:4t�t.ti l::�1'!.Y!l��:ld Ir►it:S(IC lIIIS 13Ct1 dny of'
<br /> - _ �r�.,���,.j ����ly - _ ���tl�5 i�car��ratcd i�tto a,-t�shall[e;.�tccmed ta au�c��d�tu�!,����AL[��e�ii
<br /> Ihc Murl(�u�e. lkcd t�P 'I��urt or Sccurily [)cc�l („Srcuilly Intil�tmicnC'1 t�f tttc samc dntc t!ivcn b5� �t�c uiuleisigncil
<br /> ("{3c;ira)S�cr"1 tn�,ccurc Bnma�vcr4;i�totc("Ide�tu")t��
<br /> �i�l,.l�`lE�US F�(�iliAl. SAVlM(:U I}J�hK
<br /> (thc"F..cndrr")nS'tltc snma Qatc ar,cl�ovrrint�Ihc prapGrty dcscrihed in Ihc 5ccurity In.rtnuncnt ond Euc.�tc�l a�:
<br /> � 3�16 N'E�'f 1a1N STREET
<br /> ((aRANU I SL.ANa. N� 6A803 . ,
<br /> , Ili„pctty Addre�rl
<br /> T11k IVt)'i'E I:ONTAINS 1'It(9VISIONS AI.1.�)WINI. NOk 1:11ANGF.S IN '�11�
<br /> INTER�ST RATF; ,1ND 'Pll�: M1fiON'i'I�I.Y i'AXMEiVT. TIIF_ NQ'ff I,1M1'A'S T!#F
<br /> AM()UNT'1'N�BOhR(]iWh:R'51N`I'f:�k:5'�°RAT�:CAN CIIANI;�qT AFVY(➢Al�:'�'IMF.
<br /> AN�'��f�h:NiA7LiMUM RA'!'�:7'�1�RQRROWFR 1NUST�AY.
<br /> At)1�lTIONf14. �t'OV�:NAN7'S. In nddilion to thr.,cavcm�nts nncl u�rccrnenis madc in �tx: Scciirlty histrument,
<br /> Bamwcr anci l.cnclu�•funher a�vcnan�ai�d ugrcc:Gti failuws:
<br /> INTIFREti'i'l�AT'f ANU i�nl��}:')'kILY F'AYMI:iV�C:NANCiC?S
<br /> tAl Clu�n�e Iu��Sc � , .
<br /> 'tiw imerest rare hiay�:h:�n�w nn the flrtit�;iy of .l�l'1u�U^y 1, 1997 ,and that day of ea�h succecding yenr.
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<br /> ___ -.e.�t�c[��a�mc�n�c�cn aAte�an�vn�Gn rrt�tm�r ra�cvn�cmmge.-- - - - -,--— - -- -
<br /> cu� •rn�ip+a�.,;.
<br /> Beginning wit'�thc flr�t C'h�n�;c 17a�c,Ihc bi[crest ri�t� wi0 t►e based v3�i nn I��dex. "index" mcans thc wcckly�vr.raRc
<br /> ykltl �m Unitcd Stat�» 'ltrastn•y Sccuritic, adJastcd to �c�mstant mpl�uity oF ona yeur, Ws muek:'avnllrbk b,y tFie f�vkrrl
<br /> Itexervc livard. "�uttenl liidex"rn��aitc►he most recent lndex flgurc availublc 3Q Qays t!�:Earo tt�c Change IMio, If the Inc{ex
<br /> (Q��klinc�D atxave)i�nn la�gcr uvuilablc,Lender vlil!use ns�urw Inclex ariy in�k:x pi�:����abcd by tha Secretary. Ati uxtxl in
<br /> .. thie Rickr, "accretary"mcnns thc Su.tutury ��f I�Fuu�in�;:��t�i Urha�i Ih:vclpp�iicitt A►'tiis or ht:r cicsigne�. l,:.n.itr wiil �ivt:
<br /> ' ' FiorrpWCr rwtise of the new Index. ,
<br /> iCl ('rlculalk►++of interevY�iptu Changes �
<br /> a�cfore eech Chango Uutc,�..ender wlll calculute n ncw i N�e�cst ruta by ndding ii margin of.
<br /> ' Two e�nd One°Hl41f percentAge
<br /> Fsuints( �.r�ppq ^k) to Ihc currcnt L�dex and cuunding thc 5um io thc r►carest unc-�:igt►th c�f u�w �xrcc��lxgc �Int
<br /> (O.i2S�JF). Sub�.t to tha Umits v,atccl in f'a�•agrepb IDD of'this Ridcr,thls muncled amount will t��I�o ncw intor�:bt rwtc until
<br /> tfk t�ext Changc[)atc. � , ; • , ,
<br /> (1)) 11mit�an Intert+t RRte ChAnges _
<br /> T'f►c intcr�:st ratc will nc�cr incrcci�:o�r dccrens�by morc than nnc perccnta�c{x►int(1.11°ri�)on s►ny tiinglo Chango DaYC.
<br /> TMo i,��:erc�t tatc will nevcr bc�r�;�,�tl�an fivc perccivagc Fwin!s(g.OSfn)highcr or lowcr�hAn the initial intcrest rato. •
<br /> � (F.) C�ICUlation a�Pryment Gh�nge
<br /> If'the intcrr�t rate changcs �n a Chunge L�atc.Lcnder svill calcutAte da.:a,.:�ount of inrnuhly pay�»ent of principAl wnd
<br /> _.. ... .s�• _.. .�._..t._..!_..� .. _., ' .19 • G.._.-. • ' .1....
<br /> .._. _.. . inicresi wnicn`wm�aa nc ,*Y'� R Y � � 1 } � � .� �'r f
<br /> (P.'CCSS't Il)iz�li� �fR'1TIt R1�lt tlltll:l�Rt� qt=tiiia.T�'i ����8� ;nr,���d�ii�it' �.pt�:�a��ttM�r�-rs,��..;�^-�:�.:..:,,----.-.--
<br /> throu�h wbstarnially equul payirx:n�s. In mukinR sueh c.dcul•rtion,i.enekr w1U use Ihe unpaid principal bala�x;e wbich w��ulcl
<br /> be owcd un thc f:l���ige l�atc if thtre had lx��n itn tt�;,fa��lt in�:rymer�t an the Netc,reduccc!by the Ssmauni af any�repayments
<br /> to�xlncipal. '1'hc resuli of this caiculu�ion will tw�h�ninount of�he ncw mcrnthly paymem ai'principal iincl interest.
<br /> (F) Nutke aY ChxnFes
<br /> l.ci�dcr will givc r�o�ica to Hrnruwer nf<<ny changc in thr.intc�cst ��atc ancl monthly paymcm��maunt. 7'hc notir.c mast
<br /> l�c glven c�t Ic;�tit 7.5 d;�,ys Ix:fur� Ilie ncw ntottthly p:�yrncn� mm�unl is duc, nnd musl set t'orlt� (i) Ihc clntb oi'the nc�Uco,�
<br /> (ii)Ihc Chnngc �atc,(iiil �hc old intc��cst ratc, (iv) thc ncu+ intcrcrt r.�tc,Iv) Ihc uc�v mnntlily p.�yment nm��unc, (vi)Ihc
<br /> Curr�nt Indcx .u�d Ihc d;Ac it �vas �ultilished. (viil thc mcthcxl of ciilculntin� thc cha+i�;c in monthly p:�y�mcnt umaunt,nnd
<br /> (vilp any athcc iufmmaHon which may Uc rcyuircd by Inw fram limc to tliue.
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<br /> irf:My;t210ia� (pu r!n � �n,�i'.11 CrcN INraB��untaaFun�v.lar.r
<br /> R I�1 4 fo Ik�kt 1:�II.1�NOOa1p9391 U YAC Ot6791•S 171
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