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200509812 0147827182 If the Index is no longer available, the Note Holder will ohoose a new index that is based upon oomparable information. The Note Holder will give me notioc of this ohoioe. (C) Calculation of Changes Before each Change Date, the Note Holder will oaloulate m~ new interest rate by adding .t~~r..~.mUJ:l.~~~7q!#~f.1;~r!L.........................peroentage points (...A:7...9......... %) to the Current Index. 'The Notc Holder will then round the result of this addition to the nearest one-eighth of one peroentage point (0.125%). Subject to the limits stated in Scction 4(0) below, this rounded amount will be my new interest rate until the next Change Date. The Note Holdcr will then determine the amount of the monthly payment that would be suffioient to repay the unpaid prinoipal that I am expeoted to owe at the ChaD.ge Date in full on the maturity date at my new interest rate in substantially equal payments. The result of this caloulation 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 11 500 0/ I th 5500 0/ Th ft . t t 'II b' d ......:............. /0 or ess an ..................... /0. erea er, my In erest ra e WI never e Inorease or deoreased on any single Change Date by more than .~m.~................................................................. peroentage points (........J..9.9Q........ %) from the rate of interest I have been paying for the preceding six months. My interest rate will never be greater than ...J~~~.QQ.........%. (E) Effective Date of Changes 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 amOlmt of my monthly payment ohanges again. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any ohanges in my interest rate and the amount of my monthly payment before the effectivc date of any ohange. The notice will include information required by law to be given me and also the title and 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. Seotion 18 of the Seourity Instrument is amended to read as follows: Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those benefioial interests transferred in a bond for deed, contraot for deed, installment sales oontract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purohaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if a Borrower is not a natural person a1"ld a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums MULTISTATE ADJUSTABLE RATE RIDER 6-Month L1BOR Index (Assumable during Life of Loan) Form 5120 3/04 EC108L Rev. 01125/05 (First Business Day Lookback) - Single Family - Freddie Mac UNIFORM INSTRUMENT