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<br />200605535 <br /> <br />(D) Limits on Interest Rate Changes <br />(Please check appropriate boxes; If no box Is checked, there will be no maximum <br />limit on changes.) <br /> <br />D (1) There will be no maximum limit on interest rate changes. <br />CiI (2) The interest rate I am required to pay at the first Change Date will not be <br />greater than 12.750 % or less than 9.7500 b t %. <br />CiI (3) My interest rate will never be increased or decreased orfl!m~!B'?e Change <br />Date by more than One and one-Ha I f <br />percentage points ( 1.5000 %) from the rate of interest I have <br />been paying for the preceding period. <br />[jj (4) My interest rate will never be greater than 15.7500 %, which is called <br />the "Maximum Rate." <br />CiI (5) My interest rate will never be less than 9. 7500 %, which is called the <br />"Minimum Rate." <br />CiI (6) My interest rate will never be less than the initial interest rate. <br />LXI (7) The interest rate I am required to pay at the first Change Date will not be <br />greater than 12. 750 % or less than 9. 7500 hs. ;I\t Thereafter, <br />my interest rate will never be increased or decreased on a~~uaare Change Date <br />by more than One and one-Ha I f <br />percentage points ( 1.5000 %) from the rate of interest I have <br />been paying for the preceding period. <br /> <br />(E) Effective Date of Changes <br />My new interest rate will become effective on each Change Date. I will pay the amount <br />of my new monthly payment beginning on the first monthly payment date after the Change <br />Date until the amount of my monthly payment changes again. <br /> <br />(F) Notice of Changes <br />The Note Holder will deliver or mail to me a notice of any changes in my interest rate <br />and the amount of my monthly payment before the effective date of any change. The notice <br />will include information required by law to be given to me and also the title and telephone <br />number of a person who will answer any question I may have regarding the notice. <br /> <br />.~899R (0402) <br />@ <br /> <br />Page 3 of 5 <br /> <br />InitiaIS:~ <br /> <br />~/ \\- S. <br />