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200207182 (B) The Index Beginrtag with the first Change Date, my interest rate will be based on an Index. The "Index' is the weekly average yield on United States Treasury securities adjusted to a constant nahuity of one year, as made available by the Federal Reserve Board. The most recent Index figure available as of the date 45 days before each Charge Date is called the "Current Index." If the Index is no longer available, the Note holder will choose a new index which is based upon comparable information_ The Now Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Dale, the Nom Holder will calculate my new interest rate by adding TWO AND 000 /1000 percentage points ( 2.000 %) to the Current Index. The Note Holder will then round the result of Our addition to the nearest one eighth of one percentage point (0.125"/0) _ Subject to the limits stated in Section 4(D) below, this rounded afnount will be my new interest rate until the neat Change Date. The Note holder will then determine the amount of the monthly payment that would be sufficient to i -pay the unpaid morainal dust I am expected to owe at the Change Dale in full on the maturity date at my new interest rate in substantially equal payments_ The result of this calculation will be the new amount of my monthly payment. (D) Limits on Interest Rate Changes "I 'he interest rate I am required to pay at the first Change Date will not be greater than 7.875 '% or less than 3.875 %. Thereafter, my must est rate will never he increased or decreased on any single Change Date by more than two percentage points (2.0 %) from the rate of iidai st I have been paying for the preceding 12 months_ My interest rate will never be greater that 10.875 %. MY INTEREST RATE WILL NEVER BE LOWER THAN 3.875 %. (F.) Effective Date of Changes My new interest ram will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the antount of my mo ahly payment elegance again 229152 i 'trots (Ck8229 (0008) Free 4 of a Form 3111 1101