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<br />200600236 <br /> <br />(B) Tbe Index <br />Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the <br />average of interbank offered rates for six~month U.S. dollar-denominated deposits in the London market <br />("LIBOR"), as published in The Wall Street Journal. The most recent Index figure available as of the first <br />business day of the month immediately preceding the month in which the 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 based upon <br />comparable information. The Note Holder will give me notice of this choice. <br /> <br />(C) Calculation of Changes <br />Before each Change Date, the Note Holder will calculate my new interest rate by adding <br />FIVE AND 89011000 percentage points ( 5.890%) to the <br />Current Index. The Note Holder will then round the result of this addition to the nearest one-eighth of one <br />percentage point (0.125 %). Subject to the limits stated in Section 4(D) below, this rounded amount will be <br />my new interest rate until the next Change Date. <br /> <br />The Note Holder will then determine the amount of the monthly payment that would be sufficient to <br />repay the unpaid principal that I am expected to owe at the Change Date in full on the maturity date at my <br />new interest rate in substantially equal payments. The result of this calculation will be the new amount of <br />my monthly payment. <br /> <br />(D) Limit'i on Interest Rate Changes <br />The interest nlte I am required to pay at the first Change Date will not be greater than <br />10.890 % orless than 7.890 %. Thereafter, my interest rate will never be <br />increased or decreased on any single Change Date by more than one percentage point (1 %) from the rate of <br />interest I have been paying for the preceding six months. My interest rate will never be greater than <br />13.890 %, or less than 7.890 %. <br /> <br />(E) Effective Date of Changes <br />My new interest rate will become effective on each Change Date. I will pay the amount of my new <br />monthly payment beginning on the first monthly payment date after the Change Date until the amount of <br />my monthly payment changes again. <br /> <br />G..a15R (0008) <br />I!> <br /> <br />Page 2 of 4 <br /> <br />,'I <br />Initials: 111 Y r\O <br />Form 3192 1/01 <br /> <br />DDS-GAO <br />