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CASE <br />200200590 <br />217016 <br />N <br />IN <br />THE NOTE CONTAINS THE MONTHLY PAYMENT. HE NOTEG <br />INTEREST RATE AND LIMI S <br />AMOUNT THE BORROWER'S RATE THE BORROWER MUST PAY. <br />AT ANY <br />TIME AND THE MAXIM <br />and agreements made in the Security <br />04407 <br />THE <br />THE <br />ONE <br />ADDITIONAL COVENANTS. In addition to the ao follows: <br />Instrument, Borrower and Lender further covenant and agree <br />INTEREST RATE AND MONTHLY PAYMENT CHANGES <br />(A) Change Date 2 0 0 3 , and on that day of each succeeding <br />The interest rate may change on the first day of A r i 1 <br />year. "Change Date" means each date on which the interest rate could change. <br />(B) The Index <br />Beginning with the first Change Date, the interest rate will be based on an Index. f one as madelavailab e <br />average yield on United States Treasury Securities adjusted to a constant maturity Y <br />by the Federal Reserve Board. "Current Index" means the most recent Index figure available 30 days before the <br />Change Date. If the Index (as defined above) is no longer available, deer Sec etary a new Index index <br />and Urban <br />prescribed by the Secretary. As used in this Rider, "Secretary <br />Development or his or her designee." Lender will give Borrower notice of the new Index. <br />(C) Calculation of Interest Rate Changes Of <br />Before each Change Date, Lender will calculate a new interest r0ate by oad��ne margin Current Index and rounding <br />TWO &THREE - QUARTERS percentagepoint(s) <br />the sum to the nearest one - eighth of one percentage point (0.125 %). Subject to the limits stated in paragraph (D) <br />of this Rider, this rounded amount will be the new interest rate until the next Change Date. <br />(D) Limits on Interest Rate Changes than one percentage point (1.0 %) on any <br />The existing interest rate will never increase or decrease by more 5 her or lower than <br />single Change Date. The interest rate will never be more than five percentage po ints ( 0% ) higher <br />the initial interest rate, as stated in paragraph 2 of the Note. <br />4 .591U (9705).02 CHL (03101) Page 2 of 4 <br />o <br />Initials: � � <br />