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<br />_`,�� . "NOiO"�W HQMB pBDBItAL AAVINaB & LOAN A88C�CIATxOI� 08 f�2tRND I8Li1i3D
<br /> - s.` (tha"Lendes")of tho samo dato and oavering 1ho properq►described tn the Securlty Insuument and lacate�a� _
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<br />-`:`,r_;:� TIUti NOTF C.�NT.UN3�tOVI9I�N9 AI.LOWINGl F'Oit C�HANpG�Si IN MY U�TCRT+ST ItATE AND MY T
<br /> -`"'°"�y"` MON7'HLY i�i►'KtYtE►�'/. i�iLltFA8�9 IN THE AN'i'�AI't.ST RATE Wp.4 RESULT IN Hlt3HER PAYl19ENT�. _
<br />-''�!�?�'��.� DE�CNEAS�IN THE INTURC+.�'C ItATC�WLLL R6SULT IN LO�V�R PAYM�MI'3.
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<br /> `.��-;'�: A�DIT[�NAL CO`►CNANT9. In additlan W tAe cavonants and agrcxments mado in Iho Socudty Insuumcat�
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<br /> �;�`��� Borro�►rr end Lendcr ti�rther covenant ard agroo a�follow�:
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<br /> -=��� A.iN'1'EREST RATE AND MONTHLY PAXMENT CNANQ�S
<br /> -._,...'-=--_� y.75o ,b.'R�o Natu provides for change�in the
<br /> =-�_ '[t�e Noto pravldes for an initiul intrrest rata of
<br />."-`��� intarsst rer,o and tha mo�thlY WYmcuta�av foUmva:
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<br />_ --�-=y�� �,INTEpF.ST MTE AND NYONTH.�L.Y PAYMEAIT CHAN
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<br /> _ ---�.� (A)Chsn�e f?ates
<br /> �•�169
<br /> s-.,:�-..�r�� .���r�w I wil��ur m91t cban8o on tha firat 4Qy�f DSCEMBSR � 2000 .and�n t�tdgy -
<br /> �---=�.� ��y x2�H month thereaftcs.Bach daus on whlch my antc�t raW coutd GhanBe is caiico a�a B,�°
<br /> -- -- �)'l'lleYnde�c
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<br /> _ ._�..y:.� IIcglnning with the first Changc Date.my lnter�st rato wiU be bnsod on an Indax,'iba"Indea"ls:
<br />_ ._ . _z� TH8 WSERI,Y AVSRIIOB YIELD ON TJNIT�3D BTATEB TRR318UttY 88CtJRITT�O ADJUSTSD `i'O A
<br /> � CONSTANT MATURIZ`X OF S Y�i71R. AS MADS AVAILABI,� HY THFs fi3D8TtAY. Ft89Ei..4t4f75 SOARD.
<br /> � 'Cho most tocutt Iudaa figura availablo as af tho c1Ata:0 45 days �
<br /> — Dofao eiich Chango Dato i�calkd Iho"G�[r.nt It�daa."
<br /> If tbo Incleac�no longu availabb,tt►e Ivoro Holdcr wW choose a now dndex tts�t�s b�ed upan oo�p�bb inYormadcx�.
<br /> 'Ihe Now Ha13ar will givo mo notico of thfis choicn.
<br /> -----_- =L-� (C�C�IcM4tba o!Clanges .
<br /> -�� Defae eacb Chswge Data.�ho Nots Hakkr wlll ca{cWate my new int�a�est rato�b o�g 56p uo tha(.'iurent Indon,
<br /> J= TWO 71ND TI3RSg pvARTSR9 �Gltago point(s)I Ntu�i Lawdt
<br /> � Tha Nob Hoida wlll t�en round Iho result of thls addlikkm�o tho Q Nraccst O�eat ti�hc� G ��.
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<br /> _- Sabjoct to ti�e Wnita stat�d In Sectlon A(D)bebw.tdlv roundal anwunt wIll bo my now ia�rrest c�to undl tla na�t Cdange
<br /> = Dato.
<br /> ' Tt�e ZVo�a Hold�er will then det�arniao tho anwuat af tho mond►1Y P�Yme.nt that woum bo sut�'icietit to repay tl►o unpaid
<br /> -- yrL�eipai tt�at I sim aapoetod tfl aaa w�ha Ch�►ge Daio ln iull on tho m�turltY date at ray now lntaest rxta fn subslantialIy
<br /> - cqual p�yaxnt9.7t�o rc,wit of tfi19 c�1cWAdoa w1U bo t8o now wnonnt of my monlihlY WY�L
<br /> (�)Lhrib o�Iaterat Wttc C6ati�
<br />---_-__�� ase cl�ck apProP�lata boaea��'no bnx l�checkcd.tbtre w�t!be na maxlnWm llnttt or�cAanges.)
<br /> -- (1;'1liero wlll be na maaimum timit on lntcrest tato ch�ngq. 9.7 so 96
<br /> --!� �ac 2 The intercst r�t�o I pn rre+quiced w psy at tt�+flrsi Ctw�e D�to will na be greatar ttnn
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<br />—_ �=A xY (3)My iaietest raDo will nevu bo increasod ot dxreaSOd o�t any a�ngle Clwngo D�10 by ma�c dwn
<br /> �-:'"'� �ro p8xc�rrr P��� Po�us) (, a.o00 �6) tram iho
<br /> '"s"�"�".�u'� � rote terest 1 havo beta paYing fot Iha prcocdin8l��
<br />- -�;,:Y��-'`���,� �(4)My interest rato will naver!�a greater tt�n �a.�5 0 9b,wh►ch is calkd tho"Maximum Rara."
<br /> '�a__ ` � °blINIMIJl+! R1►TE" WILL N6VFR HB �'98 TtiAN 5.7SOt.
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<br />--�--��i MULTISTAYE ADJUSTABI�RATB RIDER-Sinalo Fam1ry piN�ata
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