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<br />200700328 <br /> <br />(B) The Index <br />Rtginning with the first Change Date, my interest ratt will he based on an Index. The "Index" is the <br />averagt of intt:rbank offered rates for six-month U.S. dollar-denominakd deposits in the London markd <br />(" LIBOR"), as published in The Wall Street Journal. Thc most recent Index figure availablc as of the first <br />husiness day of the month immediately preceding the month in which the Changt Date occurs is called the <br />"Current Index." <br /> <br />If the Index is no longer available, tht Note Holdtr will choost a new index that is hastd upon comparahle <br />information. The Nott Holder will give me notice of this choict. <br /> <br />(C) Calculation of Changes <br />Before each Change Date, the Note Holder will caleulatt my new inkrcst rate by adding <br />Six and 270/1000 ptrccntage points ( 6.270 %) to the Current Index. <br />The Note Ilolder will then round the result of this addition to the nearest one-tighth of one percentage point <br />(0.125%). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new inttrest rate <br />until the ntxt Change Date. <br />Tht Note Holder will then determine the amount of the monthly payment that would bt sut1icient to repay <br />the unpaid principal that I am txpeeted to owe at tht Change Date in filII on the maturity date at my new <br />interest rate in substantially equal payments. The result or this calculation will he the new amount of my <br />monthly payment. <br /> <br />(D) Limits on Interest Rate Changes <br />Tht interest rak I am required to pay at the first Change Datt will not ht greater than 10.270 'Yo or less <br />than 8.270 %. Thereafter, my intertst rate will never be increased or dtcreased on any single Change <br />Date by more than one percentage point (I %) from the rate of inttrtst I have been paying for tht preceding six <br />months. My interest rate will never be greater than 14.270 %, or less than 8.270 %. <br /> <br />(E) Effective Date of Changes <br />My new interest rate will become effective on tach Change Date. I will pay the amount of my ntw 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 />\8 .81SR (0008) <br />@ <br />DDS-GAO <br /> <br />Initials: U Q,. G... -..t!1. <br /> <br />Page 2 of 4 <br /> <br />Form 3192 1/01 <br />