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A. ZNTEWW"n AND MON7WLV PAVWNT CRANGD, The Note Provides for an initial interest rate of 9.50 monthly payments, as follows: Section 4 of the Note provides for changes in the interest rule and the 4- INTEREST RATE AND MO,V 77W, Y PA YAfDVT CHA,1VGES (A) Cheap Dow The interest rate I Will Pay may change on the first day of 12 86 months thereafter. _- . and or, that day every (IR) TIM Index . Each date on which my interest Tate could changc 1s called a "Charip Date.' Dq0tining with the first Change Date, my interest rate will be based on an Index. The "Index" is the weekly average, yield on United States Trcusury securities adjusted to a constant Maturity of I veer, as made available by the Federal Reserve board. The most recent, index figure available as Of the date 45 d" before each Cha nge Date is called the "Current Index. - If the Index is no IonW available, the Note Holder will choose ii new index which is based upon comparable information. The Note Holder WHI give me notice of this choice. (C) cnkokom'stcbmmm Points Before each Change Date, the Note Holder will calculate my new interest rate by adding _ one and sever. ei2hth,-; to the Current Index and rounding to the nearest l.,,8th of I al , subject t percentage This rounded amount will be my new interest rate until the next Change Date. 0 b 0 the limits stated in Section 4(D) beio%. The Note Holder will then determine the amount of the monthly Payment that would he sufficient tc) repay in full the principal I am expected to Owe On that Change Date in substantially equal payments b will he the new amount of my monthly Payment, y the maturity date to MY 11CW interest rate. The result of this calculation M) IAN" an InSennit saw chmares The interest rate I am required to pay at the first Change Date will not he greater than -I S - 7�, (27) Thereafter, my interest rate will never he increased cm, decrewsedonark or less than from the rate of in I single Change Date hk- more than t-W terest I have been paying for the preceding twelve months. The minimum interes, rate on the{ Ins than 1 and the maximum interest rate will never he greater than 4, -�-7 loan will never he (E) Erlee"" be* Of CIN0140105 6/b *y new interest rate will become effective on each Change Date. I will pay the amount of m%. netA monthik nWnthlY payment date after the Change Date until the amount of my monthly Payment change", dam. pavmen-� inning or, the first W) "ice Oft*0014006 The Note Holder will mail or deliver to me & notice before each Change Date The noti-er will advise me 0j: (') thCWW interest rate On MY loan as Of the Change Date; (ii) the amount of UW mOuthb Payment following the Chang r)atc (iii) any additional natters which the Note Holder is required to disclose; and (iv) the addreab of the association you could contact regarding any questions about the adjustment notice. —i