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200701493 (C) Calculation of Changes 0158392324 Before each Change Date, the Note Holder will calculate my new interest rate by adding .~.i.~..p~r~~n~g~..p~in~(l[ll'<'.. .~..9.Q.Q.'7.''!>'' ............ .... ........................................................................ ...to the Current Index. The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point (O.125'Yu). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. The Note Holder will then detem1ine the amount of the monthly payment that would be sul1l.cicnt to repay the unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) limits on Interest Rate Changes The interest rate I am required to pay at the first Change Date will not be greater than 12.750 o/" or less than 6.750 %. Thereafter, my interest rate will never be increased or decreased on any single Change Date by more than one percentaQe point(s) ( 1.000%) from the rate of interest I have been paying for the preceding ~months. My interest rate will never be greater than 15.750 % (E) Effective Date of Changes My new interest rate will become effective on each Change Date. 1 will pay the amount of my new monthly payment beginning on the first monthly payment date aller the Change Date \..mtil the amount of my monthly payment changes again. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to be given to me and also the title and telephone number of a person who will answer any question 1 may have regarding the notice. page 2 P 1036C Rev. 07108/06 )flJ1;1 f(/71