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Limits on Interest Rate Changes <br />200209043 <br />there will be no maximum limit on <br />LJ (1) There will be no maximum limit on interest rate changes. <br />® (2) The interest rate I am required to pay at the first Change Date will not be greater than <br />7 . 625 % or less than 3.625%. <br />® (3) My interest rate will never be increased or decreased on any single Change Date by more than <br />Two percentage <br />points ( 2.000 %) from the rate of interest I have been paying for the <br />preceding period. <br />® (4) My interest rate will never be greater than 10.625 %, which is called the <br />"Maximum Rate." <br />® (5) My interest rate will never be less than 2.750 %, which is called the <br />"Minimum Rate." <br />0 (6) My interest rate will never be less than the initial interest rate. <br />® (7) The interest rate I am required to pay at the first Change Date will not be greater than <br />7.625 % or less than 3.625 %. Thereafter, my <br />interest rate will never be increased or decreased on any single Change Date by more than <br />Two percentage points <br />( <br />2.000 %) from the rate of interest I have been paying for the preceding <br />period. <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 new <br />monthly payment beginning on the first monthly payment date after the Change Date until the amount of my <br />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 amount of <br />my monthly payment before the effective date of any change. The notice will include information required by <br />law to be given to me and also the title and telephone number of a person who will answer any question I <br />may have regarding the notice. <br />DOC #:329103 APPL #:0016197530 LOAN #:0016197530 <br />Initials "O <br />-699R (0009) Page 3 of 5 <br />r' r. <br />