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<br />200512019 <br /> <br />A. ADJUSTABLE RATE AND MONTHLY PAYMENT CHANGES <br /> <br />The Note provides for an initial fixed interest rate of 9.450%. The Note also <br />provides for a change in the initial fixed rate to an adjustable interest rate, as follows: <br /> <br />4. ADJUSTABLE INTEREST RATE AND MONTHLY PAYMENT CHANGES <br /> <br />(A) Interest Change Dates <br /> <br />The fixed interest rate I pay may change on the first day of December. 2007 <br />and on that day every 6th month thereafter. Each date on which my interest <br />change, is called an "Interest Change Date." <br /> <br />(8) The Index <br /> <br />, <br />rate could <br /> <br />Beginning with the first Interest Change Date, my interest rate will be based on an <br />Index. The "Index" is the average of interbank offered rates for six-month U.S. dollar- <br />denominated deposits in the London market ("L1BDR"), as published in The Wall Street <br />Journal. The most recent Index figure available as of the first business day of the month <br />immediately preceding the month in which the Interest Change Date occurs is called the <br />"Current Index." <br /> <br />If the Index is no longer available, the Note Holder will choose a new index that is <br />based upon comparable information. The Note Holder will give me notice of this choice. <br /> <br />(C) Calculation of Interest Rate Changes <br /> <br />Before each Interest Change Date, the Note Holder will calculate my new interest rate <br />by adding EIGHT AND 450/1000 percentage points ( 8.450 %) <br />to the Current Index. The Note Holder will then round the result of this addition to the nearest <br />one-eighth of one percentage point (0.125%). Subject to the limits stated in Section 4(D) <br />below, this rounded amount will be my new interest rate until the next Interest Change Date. <br /> <br />(0) Limits on Interest Rate Changes <br /> <br />The interest rate I am required to pay at the first Interest Change Date will not be <br />greater than 12.450 % or less than 9.450 % . Thereafter, my adjustable interest rate will <br />never be increased or decreased on any single Interest Change Date by more than <br />ONE AND ONE HALF percentage points ( 1. 500%) from the rate of interest I have <br />been paying for the preceding 6 months. My interest rate will never be greater than <br />16.450% or less than 9.450 %. <br /> <br />FIXEDI ADJUSTABLE RATE BALLOON RIDER <br />WSJ SIX MONTH LIB OR <br />He 54205.6 <br />DDS-BR2 <br /> <br />(2 of 5) <br /> <br />c C:- <br />t . If' <br />, (~., <br />. , <br />I <br />