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1 11 11\. L.1 . VLJGJ.. jL• "fe-A 1 I NU. OYU P. 42/72 200204237 If the Index is no to 990573 ex r "able, tbll Note Holder WM choose a nevi index that is based upon compgrable Wformatian. 'Ihe Note Molder will give me notice of this choice. (C) Calculation of Changes Before each Chan ge Date, the N older ' Note waII calculate my new interest rate by adding ills ..................... ........percentage paints (..., §;375........ %) to the Current Index. The Note Molder w4l then round The result cif Ibis addition to the nearest one - eighth of one percentage point (0.125°/x). Subject to the limuit& stated an Section 4(D) below, this rounded amount will be ray new interest rate until the next Cb=oe Late. 'file Note Holder will then det=mine the 41uount of the ruoatlxly payment that would be sm %dent to repay the unpaid principal that I arm eVectad to owe at the Change Date in full on the maturity date at my new interest rate in substan%Uy equal payments. The result of this calculation will be the new amount of ray monthly payment. R Limits an Interest Rate Chahges The interest rate I am required to 3.37 o � paY at the fast Change date will. not be greater than ...R .............. /o or less tlan ...,9:37k .......%, 'hereafter, my interest rate will. never be increased or decreased single t y o c on au�r gl Change Date b more than .��,le....11,... ..,... ..,...., .............. ..... .......... percentW points (. ...... ,.... .......'gyp) from the We of interest I have been paying for the receding Six mon�t�lu- MY interest rate WM never be greater t ., J 5 AT ........ %. 1VIy interest rate will never be leap than . %. (9) Effective Date of Changes My new inu't rate will become effscive on each Change Date, I will pay the amount of nay new monthly payment berg on the first monthly payment date after the Change Date until the amount of ray monthly payment Change$ main. M Notice of Changes The Note Molder w4l deliver or mail to me a notice of arty ehan845 in my interest rate and the amount of my monthly payment before fbc effective date of any change. The notice will include information required by law to be given me sad also the title and telephone number of a person who will answer any guesucm I rmy have regarftg t e notice, B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER. Uniform Covenant 18 aflheASecw ty b54=eat is -a=aendedlo -sad as'folloyn- TraONfer -of the Property or a Bmef'icW Ietaut in Ek0ower. AP used in this Section 18, "interest in the Property" means any j� or beneficial interest its the pro pe�y, including, but not limited to, those beneficial interests tr c=d in a bond for deed, contra4 for deed, mgta]]ment sales contract ar escrow agreement, the intent of which is the tra,n*r of title by borrower w a future date to a P =. If all or any part of the Property or any Interest in, the Property is sold or transferred (or if a Borrower is not a natural person and a beneficial interest ir>l borrower is sold or tra ferred) without Lender's prior written consent, sender may require immediate payment in full of all corns Mul- TISTATE APJUSTA6Lg RATE RI01jR - W13OR INDEX • single Family Form pies 1/o1 r=c1asL. Rpv. 11/1+4/PP Frmdie Mac insirumenl