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<br /> � k t ��:�. THIS ADRJSTA�LE RATE RID�R is made this 24TH day of N0�"JEMSER �`,:_
<br />-,.�.'�. " .� . �- 4 995 �d is inco�po�sted irao sud s1mU 1�deemed to�aad supptc�matt the Martgage,Deed of t
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<br /> ;�,._L4�.,j't<:t-4'j J�Q EV��taeie 8uilding and �oan A9suciation af 6rnad IstaRd, liB�l�35iII, A Fe3eral Snv�ngs 9ank :
<br /> -�'�`< ��, (the'leader'of the same dffie sad ooveiing the pmgeny aescrlbed in the Sec�ity iasuau�nt aad to�d� _
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<br /> � �:£ k, r' RAYE AND THE MONTHlY PAVMHi1T. THE 'NOTE LIMRS TNE AMOUNT TitE
<br /> _... }F>� . BQRitOWE[i'8 IN'IE�tESY RATE CAN CHANl3E AT AN1f ONE TtME AND 7HE �
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<br /> __ _ _ .�.`�_.U_ MAX[tUJ��M F�d17E TH1E 60Hi�01NER MUST PAY. -
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<br /> ��. �": .�::;����� ADDYlT014TAL COVt,.NA11iT9.In addition w the oovenaats aad agree�ats mmde in tbe Secarity I�tmeat.
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<br /> "r:::�'� - - Bomowet end t,atdet fa�her cavr�ant and a�as follows:
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<br /> >�=�=�'`F��`��r � � A.II�Si'RA�ANDDBONPI'H1.YPAYb+IE1�iTGHANt3�S . -
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<br /> ,; ; ":�,,`.-`..�'.` '�e Note provtdes for an In�tia�ia�est�ate of 7.125 %.The Note pmvldes for c�mage�ia ,
<br /> °.'�,-�. ;.�:�<r'•:r�` the iniemst ratc and tt�e awtuWy paym�ta.as fo}taws: t.
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<br />_,�,:�,��':�"�,'".,,�..� . 4�F�T AATE AND NIONT�R.YPAYMENT C�tNGPS ' �..��:
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<br /> �:?u�.`':;r:`4c:;;:;:,:' � 11te ia2CreS�t t��wID Pay►�►Y cban8e on dte ftrst day of DECEMBER • . 2000 md ou d�at � ` �;;,:'
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<br /> ��.::-.:_::<,:.= tt�p wery I2th month theiesftee�date on wt�my interest rate ooutd change ia caUed a°�e DaLa.' ' .. . p.i
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<br /> - `=` `�� ' . B�g whb dte fi�st E9iange Date.m3►inte�t�ate w1A be 6asod oa an Iades.77�e'Indac'is We weeldy ' ,�_,;�:
<br /> { � ;.- .. average yleld on UniteO Statc4 T�easnry secaritles adjasted to a ooIIStaat maturity af 1 ye,a�.as made availab2e bp .
<br /> �.`�,`;,'.,. ' dte Pederal Reseive Board.The must receat Indea frgure avaitab2e as of tLe date 4S days befoie ear��Data • �
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<br /> �;� :�;�?::�-:''-:E; : is��tbe•Cament Iadex." .
<br /> .;�. �•>� � . IY the Iadac is no longer avai(ab2e,the Note HoIder wID chonse a new index w�cb is 6�sed npan�ompaeable � �
<br /> • � "'� �T" J�` . infonuation.The Note Holder aiq give me natta�of dils cnoioa. . . -
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<br /> �;�.�� t�:-� . Be�c+re eacb A�age Date.theNote Holder w1I1 catwlate my aew inteaest�ate by addic� �[ /��� :�
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<br /> ' .y 4 i}._ IAderr.���e Nate Holder ariti the�mund the resWe of tLis addittoa a the near�t one�eigt�oY ane pe�atage � �,°
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<br /> ;. . rais aaW the nex�ca�ge Date. . . �°
<br /> .'y���•��r�:�., � �9lee Note Rolder w1ll then de�c�ne the amonnt oi the manthly yaycueat that ww2A 6e saffide,at w re�yr the r:;:
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<br /> _ -.. � uopa�d vrmciyal tbai I am�co awe at the e.6aage nate m tiuU on we Mamrtey Dace at my new�t rate . •� ,'
<br /> . � ` ia anbstandaUy eqaa4 Payme�s.'I!►e�sult af 4ila c�lcaladon will be the nea+amoimt of my monttilY PaY��•
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<br /> , t :.,��;. � Ttie 1nt�cest rats 1 am tequi�ed w pay at the fast C6ange Date w�l!not tre�reates�Uan 9.125 ��, � . • ,;
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<br /> y�; Ol 3CS91� �•1 Z5 $�.Tr1CiC3�Cfr ID Y�iC.4t t8t8 tN�riBVG!68�CiI�Cd Ol d0d�OA� ' '.
<br /> { : .� . �anY s�ttgte C�aage Date by mo:e thaa rivo P�SB F�(�.affi)fmm the�af inteiest I have been paymg ' . _�_`.
<br /> :. '. ��� � for the�twelve m4ntDs.M tnterest iate wiU never be greatcr thaa t Z.125 9b.
<br /> �'�` ���'�� '`�� � • My nterest �ate wi�l never be lower than 5.125�. -_
<br /> '�: .�__`::;;.::'';f �Fdiective Dateof C6a�ge� . _
<br /> �:'',.�����,.�'`.,, ':; s My near iaterest tate wlll beoome eNedive vn eacb Cbange DaLe.1 wlll pap the maonnt oi my aew mnntWy .
<br /> :,:.::'-:..: : paymeat e�•on tne�r.�monthly paymene aate after the e,6an�e nate uati3 the a�of mgr monthty► -
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<br /> � �`,` �'��;r�• :�: ; The Nate Holder wlll dcJiver or mail to me a aotloa of any.changes in my lnteeest rate aad the amourt o!
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<br /> • moathly payment befo�the effecdve date of anyr chaage.�e iaotIae alll inclnde informa@on reqninad by 1aw W
<br /> . ::"��'`' be given me aad atso the atte aad teJephone �mber af a persnn who will ansa+er a�ry qa�tan I may have
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<br /> (NIJLft9TAT6 AQdU8TA618 RATE ii1DER-AAM fr2-Singte femity�Fannte E�flkad�tD MtM UNfwm hesDmtmnt
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