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2005092'79 1.2 If borrower has a 2 to I Adjustable Rate Mortgage (ARM) Loan and if at the time of the Calculation of Changes in accordance with either the first, second or third Change Date of the Note (each being a "Margin Reduction Date ") Borrower has demonstrated a Good Payment History, as defined below, Lender will decrease the Margin on the Note by two (2.00) percentage points and the Note Rate will be adjusted pursuant to Section 4 of the Notc using the Current Index. The new Margin will take effect as of the Margin Reduction Date on which Borrower has demonstrated a Good Payment History. The new Margin will be used in determining all future interest rates and monthly payment amounts as set forth in Section 4 of the Note. 13 If borrower has a 3 to 1 Adjustable Rate Mortgage (ARM) Loan and if at the time of the Calculation of Changes in accordance with either the first or second Change Date of the Note (each being a "Margin Reduction Date ") Borrower has demonstrated a Good Payment History, as defined below, Lender will decrease the Margin on the Note by two (2.00) percentage points and the Note Rate will be adjusted pursuant to Section 4 of the Note using the Current Index. The new Margin will take effect as of the Margin Reduction Date on which Borrower has demonstrated a Good Payment History. The new Margin will be used in determining all future interest rates and monthly payment amounts as set forth in Section 4 of the Note. 2. GENERAL TERMS: The following provisions apply in connection with the OHIO On -Time Program. 2.1 Borrower will be deemed to have demonstrated a "Good Payment History" at a Change Date if Borrower: (a) has made up to each of the then most recent 24 consecutive monthly payments, prior to such Margin Reduction Date, in accordance with the Note and Security Instrument before the date the next payment was due; and (b) has never made a payment more than 90 days after the date it was due under the Note. 2.2 Lender will decrease Borrower's Margin only one time during the term of the loan. 2.3 Lender will notify Borrower in writing that the Margin will be decreased as of the Margin Reduction Date on which Borrower has demonstrated a Good Payment History. Notwithstanding anything to the contrary contained herein, all adjustments to the Note Rate at each interest Change Date are subject to the limits set forth in Section 4(D) of the Note. IRAN NL1=R: 4883026 On -Time Program ARM Rider to the Security Instruments Ohio Savings Bank Page 2 of 3 WSL145 06/03 80116MU 11 /01 (Rev. 06/03) C'F*,