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<br />. . <br /> <br />200700673 <br /> <br />(B) The Index <br />Beginning with the first Change Date, my interest rate will be based on an Index. The II Index" is the <br />average of interbank offered rates for six-month U.s. dollar-denominated deposits in the London market <br />(" LffiOR"), as published in The Wall Street Journal. Thc 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 />II Current Index. II <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 <br />Five and One Half percentage points ( 5.500 %) to the Current Index. <br />The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point <br />(0.125%). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate <br />until the next Change Date. <br />The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay <br />the unpaid principal that I am expected to owe at the Change Date in full on the maturity date at my new <br />interest rate in substantially equal payments. The result of this calculation will be the new amount of my <br />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 9.500 % or less <br />than 7.500 %. Thereafter, my interest rate will never be increased or decreased on any single Change Date <br />by more than One percentage point(s) ( 1.000 %) from the rate of interest <br />I have been paying for the preceding six months. My interest rate will never be greater than 13 .500 %, <br />or less than 7.500%. <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 />_ -i15R (0008) <br />@ <br />DDS-GAD <br /> <br />IniliaIS:~ <br /> <br />Page 2 of 4 <br /> <br />oG-- <br /> <br />Form 3192 1/01 <br />