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ADJUSTABLE RATE RIDER THIS ADJUSTABLE RATE R.IDER is made this 28th day of ~. '. 19~. an4is~ and shd be ~..to lIIRmd and supplcment die MortaaIc. nCed of Trust, or Deed to ~~Debt (dIe."SoCurit)' '.. oldie same date aP- by the uqdcrsianed~'Dorro_")to secure Borrower's Adjustab1eR.ate NOleto, Gatsiiiay . and TJ:ust Calpny , . ... , (the "Leader") of die same date (the "Note") and coverina the property described in the ScCurityJRStrtImeat MlCl0~iill*~ #407; 109 J:brt:h I.ocust Street. Grand T!ilhmnr NIohno~' ~'1 l"'-" -) The ..... GOfttatM proviskma ....1". for chengM In the interest ..... ewry ynr. If the ......... ........ ere..... the 1Ien'ow....s monthly payments witt be, higher. If the Intefeat nlt6 deCrniu, the ..."...,.. monthly fIIIYIMI'1a will be lower. " ADDITIONAl COVENANTS, In addition to the covenants and agreements made in the Security Instrument. BOrrower and Leader further covenant and aaree as follows: A. INTEIlEST RATE AND MONTHLY PAYMENT CHANGES The Note provides for an initial interest rate of 12. 75 lI}'o. Section 4 of the Note provides for changes in the interest rate and tile monthly payments. as follows: "... INTEREST RATE AND MONTHLY PAYMENT CHANGES iA) CIaup DaIa 1$7 The interest rnte I 'YJ.!Ll2!y. ma~e on the first day of _-1~~~~.9.0 ..~n that day ,\,ry-i~ -~fter:EadI date ~hich my interest rate could change is called a "Change Date." (It) The Imta Beginning \\'U lhe first Change Date. my interest rate will be based on an Index. The "Index" is the weekly averase yield 00 United Stales Treasury securities adjusted to a constant maturity of I year. as made available by the Federal Reserve Board, The !DOS( recent Index figlire lI\'ailable as of the date 4S days before each Change Date is called lhe "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. 10 CAIc"...i.. of CIIatIpI Before each Change Dale. the Note Holder will calculate my new interest rille by adding t1IQ and ~f __ percentage points ( 2.5 lIfu) 10 the Currem Index. The Note Holder will then rOOM the ruu!t of this addition to lhe nearest one-eighth of one percentllse point (0. I 25l1fu), This rounded amollm will be my new imeral rate ufttil tlte nelU C~ Date. The Note HoWer will then determine the amount of the monthly payment that would be sufficient 10 repay the unpaid principal ~ of my kiIm I am CllpxtOO 10 owe on Ihe Change Dale in full on rhe mlllurity date at my new interest rllte in substanlially ~ ~. The rftldt of this calculation is called the "Full Payment Amount". and it wiil be the new amount of my moothly ~. __ to WMectioo (D) beklw. ~. u.dIs - ..... .... Oantn. l1Ic rate of !mel'fl( I am required to pay shall never bc incrcased or decreased on any single Interest Change Date by more 111M S _ frem the rMe of intereM I have been paying for the pre;;eding [welve months. My imerest rate also shall never be jnlll.uhe lS-95 .lIfu. ' .. ..... .. of CIteaps My new ~ rMe wdi become effective on each Change Date. I wi!! PIIY the amount of my new monthly payment beginning 00 lhe fiQI ~'l' pa~ dlM:e after lhe Change Dale umil the amount of my monthly payment chanle$ lI,ain. eft ~ fill CIteaps The ~ ~ will mail or deli~1' to me I notilltof lIny changes in the amount of my momhl)! payment before the effective ~ of My c~. The nottce wit! includ<e iflformation required by law' to be given me and abo the title IInd lclephone number of a ~ wtIo ~ _W\Ilr 1m)' ql!eMioos I may have rClIllrdinllhe nOlieC'." ~ AIM - . ".. W~ Plt)'1IWm (:.... WK" i\c1jlllllC_t to i\dJulIIC_t Raw C... aIHl Rate C... Over Life. --- ,-*---- L L aJ ..J I ..J