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<br />200602500 <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 average of <br />Interbank offered rates for six-month U.S. dollar-denominated deposits In the London market ("LIBOR"), as <br />published In The Wall Street Journal. The most recent Index figure available as of the first business day of the <br />month immediately preceding the month In which the Change Date occurs is called the "Current Index," <br /> <br />If the Index is no longer available, the Note Holder will choose a new index that is based upon comparable <br />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 Six and One / <br />Half percentage points ( 6.5000 %) to the <br />Current Index. The Note Holder will then round the result of this addition to the next highest one-eighth of one <br />percentage point (0. 125 'Yo). Subject to the limits stated In Section 4(D) below, this rounded amount will be my new <br />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 repay the <br />unpaid principal that I am expected to owe at the Change Date in full on the maturity date at my new Interest rate in <br />substantially equal payments. The result of this calculation will be the new amount of 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 11. 9500 % <br />or less than 8.9500 %. Thereafter, my interest rate will never be Increased or decreased on any <br />single Change Date by more than one and one half percentage points (1.500 %) from the rate of interest I have been <br />paying for the preceding six: months. My Interest rate will never be greater than 14.9500 % or less <br />than 8 . 9500 % over the life of the loan. <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 monthly <br />payment beginning on the first monthly payment date after the Change Date until the amount of my monthly <br />payment changes again. <br /> <br />Initials: L7ur'V"'" <br /> <br />00624375 <br /> <br />(2/28 & 3127 UBOR ARM RIDER) <br /> <br />3192-815R <br />JB 050007 07120/00 <br /> <br />Pogo 2 of 4 <br />