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<br />200601550 <br /> <br />(B) The Index <br />Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the <br />weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as <br />made available by the Federal Reserve Board. The most recent Index figure available as of the date 45 days <br />before each Change Date is called the "Current Index. " <br /> <br />If the Index is no longer available, the Note Holder will choose a new index which 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 />TWO AND 000/1000 percentage points <br />( 2 . 000 %) to the Current Index. The Note Holder will then round the result of this <br />addition to the nearest one-eighth of one percentage point (0.125 %). Subject to the limits stated in Section <br />4(D) below, this rounded amount will be 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) Limits on Interest Rate Changes <br />The interest rate I am required to pay at the first Change Date will not be greater than <br />8 . 625 % or less than 4 . 625 %. Thereafter, my interest rate will <br />never be increased or decreased on any single Change Date by more than two percentage points (2.0%) <br />from the rate of interest I have been paying for the preceding 12 months. My interest rate will never be <br />greater than 11.625 %. MY INTEREST RATE WILL NEVER BE LOWER THAN 4.625%. <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 />230039 <br /> <br />..S22R (ODDS) <br />@ <br /> <br />Page 2 of 4 <br /> <br />, / M . <;"A~ 0 . <br />"" Initials:~vV"~ <br />. Form 3111 1/01 <br />