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200207831 (R) The Index Beginning with the first Change Date, my interestratc will be based on an Index. The "Index" is the average of interbank offered roles for six -month U.S. dollar- denominatcddcposila in the London market ("LIBOR "), as published in The Wall Street JoumaL The most recent Index figure available as of the first business day of the month immediately preceding the month in which the Change Date occurs is called the "Current Index.' R the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. The Note Holder will give ore notice of this choice. (C) Calculation of Changes Before each Change Date, the Now Holder will calculate my new interest rate try adding EIGHT perccmagcpoim.S( 8 -0000 '�-6)tothe Current Index. The N me Holder will Ihen round the result of this addition to the ncamstone- eighth of one pereemagciromL (0.125 %). Subject to the limits sl al ed in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. The NN c Holder will then detereamethe amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the maturity date at my new interest stein substantially equal payments. The result of this calculation will be the new amountef my monthly payment. (D) Limits on Interest Rate Changes The inturest rate I am required to pay at the first Change Date will not be greater than 11 _ 6250 a m less than 8 - 0000 %. Thereafter, my interest rate will never be increascder decreasc ton any single ChangeDalcby ramethan one percentagepoint 0 %) from the ate of interest I have been paying for the preceding six months- My interest rate will never be greater than 14 -6250 %. (E) Effective Date of Changes My new interest rate will broome effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first muNhly payment date after the Change Date until the amuuntof my monthly payment changes again. %fFM91SS -(4n,1) i u11- 4353-'x4 rr,ols'.y�"] � (818q (0008) Pagc 2 of 4 Form 31821 m1 m