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d. INTEREST RATE AN® AYONTHL y PA YAmE.vT CAIA.vGEs (A) The inWcst MW i will lay may change on the first day of July 12 months thereafter. Each dale on which my interest rate Could clta �— 19 V 6 and on that day every nge is called a "Change Date.., with the first Change Date, my interest rate will tx based on an Index. The "Index" t, t w wcrkh average yield on United States T soft due 43 days a coteeac maturity at 1 year, as made available by the Federal Reserve Board. The most recent index figure of available foie of the date ;5 drys before each Change Date is called the—Cart—cm Index." If tlw Index is no longer available, the Note Holder will choose a new index which is based u H will give try notice of this choice. c*ott comparable information. The Note (C) ore each CIMP fate, the Note Holder will calculate my new interest rate b • adding Points (_ �r �) to the Current Index and rounding to the nearest t .'Rth of 1 asubject �� q a— Thus will be my new interest rate until the next to the limits stated in Section 4{D) below. The Note H will then determine the amount of the monthly payment that wot;ld be sufficient to r aid to awe on that y �' repay in full the principal t am Date in substantially equal payments by the maturity date at my new intros[ rate. result of this calculation will >x the new t of my ttsattthly payment. (D) Lhaalft ea Interest Ask chnagm The ratcreirt rate 1 am required to pay at the first Change Date will not be greater than a+,m�e or less than Tt ter. my interest ratc will never be increased or decreased on any single Change Date by more than a,• n front the raft of iat E have bees; ifay'itt$ for the preceding twelve months. The minimum interest falcon this loan will never be and the ma¢imum interest rate will nevtt be greater than (K) Ufa"" of Cusses 'm)' new interval raw Will becomir effective an each Change Date. 1 will mee"tMY Payment Pay the amount of my new monthly psy-rnent beginning on the first r alter qbg Change late antis :° ® ,•?Uric of my monthly payment charges n M . c The Note HQNW WA BW of deliver to me a nonce before each (i) flee i Date. The notice will advise me of. r OM my loan as of thechoatt Elate; (til the Of ray MMMY POYMMI following the Change Date: (iii) gay MOMS which the Note Holder is required to disclose; and (iv) the address of t lion you could contact regarding any questions about the adjustment nofice.