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EXHIBIT "A" 88-10375e ADJUSTABLE RATE RIDER THIS ADJUSTABLE RATE RIDER is made this 1st day of August, 1988 and is incorporated into and ahall be deemed to amend and supplement the Modification Agreement (the "Modification Agreement") of the same date between the undersigned (the "Borrower") and General Electric Mortgage Securities Corporation (the "Lender"), Capitalized terms used in this Rider, unless otherwise defined in this Rider, shall have the same meaning provided for them in the Modification Agreellent. Thi. Rider shall also be deelled to be attached and incorporated into, and to amend and supplement the Security Instrument. This Rider also replaces entirely the Adjustable Rate Rider or Graduated Payment Rider, if any, which was originally attached to the Security Instrument. THE NOTE AS AMENDED BY THE MODIFICATION AGREEMENT CONTAINS PROVISIONS ALLmlING FOR CHANGES IN THE INTEREST RATE AND THE MONTHLY PAYMENT. THE NOTE LIMITS TIlE MAXIMUM RATE THE BORROWER MUST PAY. THE NOTE LIMITS THE AMOUNT THE BORROWER'S INTEREST RATE CAN CHANGE AT ANY ONE TIME. ADDITIONAL COVENANTS, In additional to the covenants and agreements made in the Modificati?n Agreement and Security Instrument, Borrower and Lender further covenant and agree as follow.: I. INTEREST RATE AND MONTHLY PAYKENT CHANGES The Note aa aodified by the Modification Agreellent provides for an initial interest rate of 10.500t. The period during which thi. is my interest rate is call.d the "Initial Term." The InitIal Tera i. fourteen months. The Note provide. for changea in the intereat rate and the monthly payment. in accordance with this Parsgraph A: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES 1. Change Dates The interest rate I will pay may change on the first day of October, 1989, and on tbat day every 12th month thereafter, Each date on which my interest rate could change is called a "Change Date." 2. The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is the weekly average yield on United States Treasury securiti.. adjusted to a constant _turity of one (1) year, as _de available by the Federal Ile.erve Board rounded to the nearest one-eighth (liS) of one (1) percentage point (0.125t). The most recent Index figure available as of the date 30 days before each Change Date is called the "Current Index." If tbe Index is no longer available, the Note Holder will choose a new Indox which ia baaed upon cOllparable information. The Note Holder will give me notice of thie choice, 3. Calculation of Changes Befora each Change Date, the Note Holder will calculate IIY new interest rate by adding three percentage pointe (3.00t) to the Current Index. The Note .Holder will then round the reault of chia addition to the nearest one-eighth (1/8) of one (1) percentaga point (0.125'). Subj.ct to the lillita atated in Section 4(0) balow, thia rounded amount vill ba ay new interest rate until the next ChAnge Date. The Nota Holder will then detet1line the amount of the .onthly pay.ent that would be lufflclent to repay the unpaid principal that I &II expected to owe at the Chanse Date tn full on the lIaturity date at .y new intereat rate in aubetantially equal. pa)'lMntlJ. The reault of thl.s calculation will be the new ..aunt of ay .onthly pay..nt.