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200505965 (B) The Index Beginning with the first Change Date, my interest rate will be based on an index. The "Index" is average of interbank offered rates for six -month U.S. dollar - denominated deposits in the London ma ("LIBOR"), as published in fire Wall Street journal. The most recent Index figure available as of the i business day of the month imaux lately preceding the month in which the Change Date occurs is called "Current Index." If the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. The Now Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date, the NOW Holder will calculate my new interest rate by add g five and 750 /1000the percentage points ( 5.750 %) to e Current Index. The Note Holder will then round the result of this addition to the nearest one- eighth of Percentage point (0.125%). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. I 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 new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) Limits on Intmut Rate Changes The interest rate I am requited to pay at the first Change Date will not be greater than 9.750 % or less than 5.750 %. Thereafter, my adjustable interest r e will never be increased or decreased on any single Change Date by more than 1.000 pen=tage polo s) (1.000 %) from the rate of interest I have been paying for the preceding 6 months. My interest le will never be greater than 12.750 %. (E) Effective Date of Changes My new interest rate will become effective on each Change Date. I will pay the amount o=4 monthly payment beginning on the first monthly payment date after the Change Date until the 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 initial fixed interest rai to an adjustable interest rate and of any changes in my adjustable interest rate before the effective date of change. The notice will include the arnount of my monthly payment, any information required by law to be given toggme and also the title and telephone number of a person who will answer any question I may h ve rel -nan e 121760344 8480264 (0104) page 2 of 4 Form 4008 401 I1u81I �II�I�I� IIIIlilllll��ll�ll�lll��ll //MDc,