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200214356 (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the average of interbank offered rates for 6 month U.S. dollar-denominated deposits in the London market ( "LIBOR "), as published in The Wall Slreel Journal. 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." If 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 me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding Two percentage point(s) (2.0000% to the Current Index. The Note Holder will then round the result of this addition to the nearest onc- eighth of one percentage point (0.125 %). Subject to the limits stated in Section RD) below, this rounded amount will be my new interest rate until the next Change Date. (i) Interest -Only Period. The "interest -only period" is the period from the date of this Note through 12/31/2012. For the interest -only period, after calculating my new interest rate as provided above, the Note Holder will then detennine the amount of the monthly payment that would be sufficient to pay the interest which accrues on the unpaid Principal of my loan. The result of this calculation will be the new amount of my monthly payment. (ii) Amortization Period. The "amortization period" is the period after the interest -only period. For the amortization period, after calculating my new interest rate as provided above, the Note Holder will then determine the 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 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 My interest rate will never be greater than 12.000 %. (E) Effective Date of Changes My new interest rate 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 amount of my monthly payment changes again. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given me and also the title and telephone number of a person who will answer any question I may have regarding the notice. Six Month Adjustable Rate Rider -Prime First (Page2 f3) ussmorsu o con "', /AJ -Iu,4-