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MAR -14 -2003 FRI 0151 PM WELLS FARGO HOME MTG FAX NO. 4025362983 P. 26 200303116 (B) The lnder' Beginning wilh the first Change Date, my adjustable interest to will be based on an Index. The "Index" is the weal ly average yield on United States Treasury securities adjusted To a constant maturity of one year, as [Wade available by the Federal Reserve Board. The most recent Index figure available as Of the date 45 days before each Change Date is called the "Current Index." If the Index i ; no longer available, the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculatien of Changes Before each :hInge Date, The Note Holder will calculate my new interest rare by adding TWO AND TirREE- QUARTERS percentage e o ( 2.750 %) to the Current Index. The Note Holder will then round the mul[ ofth this addition to The neanst one - eighth of one percentage point (0.125 %). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. The Now Holder will then determine the amount of the monthly payment that would be sufficient to repay The unpaid pru ICipal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest rate in ::ubstarnially equal payments. The result of this Calculation will be the new amount of my mondily paymen . (D) Limits on 1 nterest Rate Changes The interest rice 1 am required to pay at the first Change Date will not be &maw than 9.750 % or less tban 2.750 %. Thereafter, my adjustable interest rare will never be in ;Teased or decreased on any single Change Date by more than two percentage points from the rate of ime'esr I have been paying for the preceding 12 months, My intent rate will never be greater than 9.750 (E) Effective 11 ne of Changes My new interes'. rate will become effective on each Change Data I will pay the amount of my new monthly payment bel inning on the first monthly payment date after The Change Date until the annum of MY monthly Payment changes again. (F) Notice of Cl ranges The Nom Holde. will deliver or mail term a notice of any changes in my initial fixed intent rate to an adjustable interest rate and of any changes in my adjustable interest rate before We effective dale of any change. The notice will include the amount of my monthly payment, any information required by law f be given to ice and also he title and telephone number of a person who will answer any question I may have regarding The notice. B. TRANSFER OF T HE PROPERTY OR A BF..NEFICIAL INTEREST IN BORROWER 1. Until Borrower's initial fixed interest rate Changes to an adjustable interest rate under the Terms stated in Section A shot ve, Uniform Covenant IS of the Security Instrument shall read as follows: (ck-e4an (0006) Iniuses:- Page 2 of a Form 9162 1 /01