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<br />(C) ('akulalion of Changes
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<br />Ikh'f. eacn Ch"nge Dale, the Note Holder "'Ill ol~ulatc my new Interest rale by addtng .......,~,.~......
<br />...five tentits .,. pelo:e,ltage pOIntS I 2.5 %) to the Current Index, The Note: Holder
<br />wili ,hen mund Ihe fesull L'f Itu, ..ddHion to the neare.1 one-eighth of one percentage point (0.125%), This I'OUQ!1c4'
<br />amounl wiii be my new interest rate unH! the ne,tt Change D.atc-,
<br />
<br />rh~ NOle H"lder ",.lllhen dCI"nninc the amuunt ,);'the mumhly paymentlhal would be.sufficient torcpay the
<br />unp,,,d pnnclpal thai I 3m expected 10 owe 21 Ihe Change Oat" in full on Ihe maturity date at my new Interest rate if!
<br />\JIb'tanll,lllY equal payment. The re,ull "I' this cakulatioll ., called the "Full Payment," It will be the new ammll\! ef
<br />my momhly p..,m"'lt unle~ I choose Ihe '",lOUIl! permitted by Section 4( F) below,
<br />
<br />( j) I t:1f"ctin Oate of ChaDlIes
<br />
<br />My new InlereSi rate "Ill bec<'illc e:l\:cuvc ,)II each Change Date, I will pay the amount of my new monthly
<br />I'''ymem hegillnmg on the Ii...t momhly plymenl date after the Change Date unlil the amount of my monthly
<br />payment d~ang.c~ ag.aln.
<br />
<br />(E) Nutiee of Ch.lItle~
<br />
<br />
<br />B4.......~ 005433
<br />ADJUSTABLE RATE RIDER
<br />
<br />(l Year Index-'-Piiyment O,p)
<br />
<br />THIS ADJ liST ABLERA tE. Rl DER is made this
<br />isinrorponuedinto ands","lb" deemed to amend and
<br />(the "S~curily !nstt'imei!r") ofL"e same
<br />Adjust:>ble Rate Note (thc"Note") 10
<br />.................. .' (the "Lender")
<br />desClibed in tile Secunty Instrument and located a!:
<br />
<br />ADDITION ~L COVENANTS- In addition to ~he coven.ants and
<br />Borrower and Lender funlter covenant and agree as follows:
<br />
<br />A. I"'~TEREST RATE Af~D t,,10NTHLY PAYMENT C'HANG.ES
<br />
<br />The Note provide. for an ,mnal imerest fate of ..11.5..... . %, The Note provides for
<br />Ihe momhly payments, as joUows:
<br />
<br />4_ INTEREST RATE AND MONTHLY PA\'MENT CHANGES; BORROWER'S
<br />MENT
<br />
<br />( A) Change U:ues
<br />
<br />rile mterest rate I Will pay may change on the fir>l day of .....~..........,.......... 19 ,~?.,...._ ,and.j)Ji
<br />th31 day "very 12th month thereafter Each Jale on wllkh my 'nterest rate could change is called a "Change {)atlt;",
<br />
<br />I B) The Index
<br />
<br />Begmmng W!lh lhe first Chang" Date, my i'llCreSI rate w,ll be based on an Index, nie "IOOex" is the weekly
<br />average Yield on Uni,ed ::;lales Treasury >t'cumies adju.ted to a cUllStant maturilY "f I year, as made available byth~.
<br />Feueral Reser;'c Board, The mos: ,ecent Index figure avallahle as of the date 45 days bef(lre each Change Date is
<br />(ailed the "Current Index.'-
<br />
<br />if !hc Index !:i no longer;} vai!abk_ the NO.1e Hohler wiH choose a new index which is based upon comparable -
<br />jnform~Hion, The Note HDlder will giv.e me notice 0f this choice.
<br />
<br />The ~"';Ole H0iJer \\'iH deliver vf m'-'il il) me a fivUce {.)1' an)' ~hanges in my imerest rate and the amount of my
<br />~~I'!Jhiy r=k}'~~f:.t bt!~)ft' th~ !'tl~t!!\j~ d~!~ ...~f ~!~y Ch..;1:~b~' The :~0:~ce v:iU ::1~bde inf0r~J.~icn requ!!'ed by law to he
<br />gi,'en me and at,,-, the title and telephone number of a per;on ",ho will answet any queslion I may have regarding the
<br />notl(:('.
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<br />(.') Sorr....>:"s Righi to Umit Monthly Pa)'lnent
<br />
<br />Unlc:.> Se:'"'tlOn> 4\ H) and 4\ I J below ",ill ntH permit me It> do so, 1 fIIay ,hoo><: to limit the amouuI of my new
<br />momhiy payment following a (,hange D,ue w the amount I have been paying multiplied by the number \.015. This
<br />amoull' i, called the" limited Payment." If I ehuo~" a Limited P"yment "s 01)' mOllthly payment. I mustilve Ihe
<br />N"te H<tlder noliu th"t ! am dui", W .at le"5I 15 dllY' beC".e Ill) tir..t n.". m"nlhly paytnenl is du",
<br />
<br />(G) ,~ddilloos 10 My Unp.aid Principal
<br />
<br />~,
<br />
<br />if 1 -choc'~ iu pay ,be Lmii~t:t.i P.aymeni. tn)' mVIUHl)' pJ.~ :nel'H (;\)uld he ~~~ than the .jlmo~nt :.,.f the mter-o::;t
<br />~-.vniun of lh. monthly paymenllhut would be suffiCient 10 reO',,>, lhe unpaid pnlltipal I owe ,II lhe <lIulHhl, paymem
<br />date jn full <>11 the malUrlty ..!at,: in SUb.t;.ulli"lIy ~4u~1 payments If >0, <ach month thaI ,he Limlled Payment is less
<br />th.i\tl the HHer~:st porttOll< the Nv\~ H\,)lde~ will ~uhtract the limlted. P~y menl fr,'Hll the aUhJUnI uf the tnlere5.t po_rtton
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<br />IIl\8.;l'UiTAT1-ADJU$fAal Uq JUOI:A.-l Y.., 1",...Wl t.nctu.....~-ll.h...;,;J: f~il):~'~ ,..Ht.~ ~m \Mtl"~t
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<br />Fwm J101 lo:-.'t3
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