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200600025 (C) Caleulation of Changcs Before each Change Date, the Note Holder will calcuh:J.te my new interest rate by adding S eve n And For t y - n 1 n e Hun d red t h ( s) perccn1..age points (7 . 490%) to the Current Index. The Note Holder will then round the result of thi:o; addition to the neatest on~-eighth of one percentage point (0.125%), S\l.~ject to the limit'! stated in Section 4(0) below, this rounded amount will be my new intcrc:st rote until the next Cmmge Date. The Note Holder will then detennine the amount of the monthly payment that would bel SJufficient to repay the unpaid principal that I am expcctod to owe at the Change Date in full On the Maturi.ty Date at my new interest rate in wbstantially e:qua1 payments. The result of this calculation will be the now Ilnlount of my monthly payment. (D) Limits on Interest Rate Changes The interest rute I am required to I'ay at the first Change Date will not be grctlter than 11.990% or less than 10 . 490%, Thereafter, my interest rate will never be incroa!ICd or decreased on any single Change Date by more than 0 n e And 0 n e - h a 1 f percentage points ( 1 . 500 %) from thc mte ()[ interest I have been paying for the prece4ing six mon1:hs. My interest rate w:i.Il ncvcrbc greater than 17 . 490% or less than 10.490%. (E) Effcctive Date of ChllDges My new interest rate will become effective on each Change Datc_ I will pay the amowt of my new IIionthly l'aymeTIt beginning on the first monthly payment date after the Change Date until thc amounl of my monthly payment chan&es again. (F) Notice of Changes nle Note Holder will deliver or mail to me a notice:: of a~y changC$ in my intm'est rate:: and the iUTlOunt of my monthly payment before the effective date of arJY change. The notice will include information required by law to be given to me and also the title and telephone: number ()f a {)e:rSon who will answer any question I .may h:;l.ve regarding the notice. B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 18 of the Secruily lnsuument is amended to read as follows: TmPsfer of the Property or a :8cncficiallJJtere$t in Borrower. If all or any part of the Property or any interest in it is sold or tran.'.:fcrred (or if a beneficial w,tere$t in Borrower is sold or transferred illld Borrower is not a natural person) without Lender'S prior written consent, Lender may, at its option, requirc immodiate payment in full of all sums secured by this Security Instrument. However, this option shall nol be exercised by Lend~ if sueh exercise is prohibited by applicable law. If ~der exercises the option to require immediate payment in full, Lender NluUI give B<>1TOwer notice of acceleration. The notice ~ha11 provide a ~riod of not Ic:.;s1han 30 days from the date the notice is delivered or mailed within which Borrower must pay all SU1P~ secured by thi... Security Instrument. HBorrow'm" fails to pay these sums prior to the expiration of this period., Lender may invoke any remedies permitted by this Security 1:ns1:l'W'nC(\t without further IWtice or demand on BOl<<lwct . MIN # 100176105120968543 ARMRIDR2.UFF GOODMAN Page 2 of 3 R1J1 In't1als:'~I<?~ Loan # 0512096854 AHL modified Fann1eMae 3138 (1/01) BrO'd W8l882:918 31lll lSHlj XlIHfi03S 88:81 9002:-91-030