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id 1064#38 p RIDER (I Year Treasury IrWax—Rate, Cape—Fixod Rate ConvorWOrl r, A. ADJUSTABLE RATE AND MONTHLY PAYMENT CHANGES The Note provides for an Initial interest rate of 8.25 %. The Note provides for changes In the adjustable interest rate and the monthly payments, as follows: 4. ADJUSTABLE INTEREST RATE AND MONTHLY PAYMENT CHANGES (A) Change Dates The adjustable Interest rate I will pay may change on the first day of November tg ES and on that day every 12th month thereafter. Each date on which my adjustable interest rate could Change is called a "Change Date." (8) The Index Beginning with the first Change Date, my adjustable interest rate will be based on an Index. The "Index" is the weekly average yield on United States Treasury securities adjusted to a constant maturity of 1 yew, as made available by the Federal Reserve Board. The most recent Index figure available as of the date 45 days before each Change Date is called the "Current Index." If the Index is no longer available, the Note Holder will choose a new index which is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding two and five eighths percentage points( 2.625 %) to the Current Index. The Note Holder will then round the result of this ad- dition to the nearest one-eighth of one percentage point (0.125 %). 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 determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the maturity date at my new in- terest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (0) Lkn is on Interest Rate Changes The interest rate I am required to pay at the first Change Date will not be greater than 9.25 % or less than _7 95 %. Thereafter, my interest rate will never be increased or decreased on any single Change Date by more than 1.0/6) from the rate of interest I have been paying for the preceding 12 months. My Interest rate will never be greater than 14-29 %. The Interest rate limits of this Section 4(D) will not apply if I exercise my Conversion Option under Section 5 of this Note. (E) Efftedw Date of Changes