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200206960 <br />(C) Calculation of Changes <br />Before each Change Date, the Note Holder will calculate my new interest rate by adding Six And <br />70011000 percentage points ( 6.700 %) to the Current Index. The Note <br />Holder will then round the result of this addition to the nearest one - eighth of one percentage point (0.125 <br />%). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate <br />until the next Change Date. <br />The Note Holder will then determine the amount of the monthly payment that would be sufficient <br />to repay the unpaid Principal that I am expected to owe at the Change Date in full on the Maturity Date at <br />my new interest rate in substantially equal payments. The result of this calculation will be the new amount <br />of my monthly payment. <br />(D) Limits on Interest Rate Changes <br />The interest rate I am required to pay at the first Change Date will not be greater than <br />12.500 % or less than 10.500 %. Thereafter, my interest rate will never be increased or decreased <br />on any single Change Date by more than ONE AND 00 /100 percentage point(s) ( 1.00 %) from the rate <br />of interest I have been paying for the preceding 6 months. My interest rate will never be greater <br />than 17.500 % or less than 10.500 %. <br />(E) Effective Date of Changes <br />My new interest rate will become effective on each Change Date. I will pay the amount of my <br />new monthly payment beginning on the first monthly payment date after the Change Date until the amount <br />of my monthly payment changes again. <br />(F) Notice of Changes <br />The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the <br />amount of my monthly payment before the effective date of any change. The notice will include <br />information required by law to be given to me and also the title and telephone number of a person who <br />will answer any question I may have regarding the notice. " <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in <br />pages 1 and 2 of this Adjustable Addj�u�staablle /Rate Rider. <br />(Seal) (Seal) <br />MICHAEL L. WEINRICH Borrower - Borrower <br />(Seal) (Seal) <br />- Borrower - Borrower <br />- Borrower <br />-Borrower <br />ADJUSTABLE RATE RIDER -LIBOR 6 MONTH INDEX -Single Family- Rev. tO/95 <br />Page 2 of 2 <br />Borrower Initials A <br />iaim1roas <br />