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200509610 245409442 business day of the month immediate1ypreceding the month in which the Change Date occurs is called the "Current Index." If the Index is no longer available, the Note Holder will choose a new Index that 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 THREE AND 650/1000 percentage point(s) ( 3 . 650 %) to the Currentlndex. The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point (0.125%). Subject to the limits stated in Section 4(0) below, this rounded amount will be my new interest rate until the next Change Date. The Note Holderwill 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 Datein full on the Maturity Date at my new interestratein substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) Limits on Interest Rate Changes The interest rate I am required to pay at the fIrst Change Date will not be greater than 9.050 % or less than 6.050 %. Thereafter,my interest rate will never be increased or decreased on any single Change Date by more than ONE AND 500/1000 percentage point(s) ( 1 . 500 %) from the rate of interest I have been paying for the preceding 6 months. My interest rate will never be greater than 13.050 %. * (E) Effective Date of Changes * or lower than 6 . 050 % . My new interest rate will become effective on each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes The Note Holderwill deliver or mail to me a notice of any changes in my interestrate and the amount of my monthly payment before the effective date of any change. The notice will include informationrcquiredby law to be given me and also the telephone number of a person who will answer any question I may have regarding the notice. B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER Uniform Covenant 17 of the Security Instrument is amended to read as follows: Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interestin it is sold or transferred(or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediatepayment in full of all sums secured by this Security Instrument.However, this option shall not be exercised by Lenderif exercise is prohibitedby federal law as of the date of this Security Instrument.Lender also shall not exercise this option if: (a) Borrower causes to be submittedto Lenderinformationrequiredby Initials: G-838U (9705) @ Page 2 of 3 ~mL:J'