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<br />200702733 <br /> <br />addition to the nearest one-eighth of one percentage point (0.125%). Subject to the limits stated in Section 4(D) <br />below, this rounded amount will be my new interest rate 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 interest <br />rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. <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 13.375% or less than <br />3.375%. Thereafter, my interest rate will never be increased or decreased on any single Change Date by more than <br />two percentage points from the rate of interest I have been paying for the preceding 12 months. My interest rate will <br />never be greater than 13.375%. <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 <br />monthly payment beginning on the first monthly payment date after the Change Date until the amount of my <br />monthly payment changes again. <br />(F) Notice of Changes <br />The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of <br />my monthly payment before the effective date of any change. The notice will include information required by law <br />to be given to me and also the title and telephone number of a person who will answer any question I may have <br />regarding the notice. <br /> <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this <br />Adjustable Rate Rider. <br /> <br />/ .~ <br />~/~ <br />~DREW T BE~AL . <br /> <br />(Seal) <br />-Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />~ .--. <br />,f J'" . ~.> <br />\2..' 0 ..^ 'f f '?7 ,(Seal) <br />- (d{j~ ~ ~. m;- 1 '---Borrower <br /> <br />(Seal) <br />-Borrower <br /> <br />Adjustable Rate Rider~The Wall Street Journal One-Ycar LlBOR ~ Secondary Licn (Combo ARM) <br />Proprietary W0211 Page 2 of2 <br /> <br />58354MU 04/05 <br /> <br />111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111 11111111111 <br /> <br />+ 0 1 4 656 7 2 3 5 + DOC 4 + 2 + 2 <br />