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<br />ADJlJSlZABUi II'A$E'R!'OOR .84~~,ri.~""",~~";,'^j'.
<br />(I. YeatJl1dell;-PilymelltCap') . . utJ.~~~,9
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<br />" ,.THISAJ)JUST~B~.~~IUt)EKismadc;this..t,~" d:iyr.L..,....~:.,.:..';,;,;,.:...,..J
<br />t~; fllmrpo~,~.:t,n_to-:_~~a~_~'~u_-_~-:~~em~-O_{~--.me~:c:.ind.-,~~ph;mei1t-,th~~;;~ill~f~_ ,1:~~-'m-.
<br />(tbe ..~urirylllSuu_t..) . or.. the same datb',ive11b)'/'~h . ....
<br />..-\djuSia~lc~'-R~tt,-Ntjte: (-the_-~"NOteUl t.O, wm~.'~~'~_~-::~~;"-:_'t'-_~_"_ \,...
<br />.....,..,.., ..,...,.,.,"',...,........".,.....,.....,."...,........,.."..... (the. "tender"). oFt~
<br />de-.cribed in.tbeStturityhuuumentand .locatcd;at: '.' .. ..
<br />
<br />
<br />ifi-~T~~}-
<br />
<br />- -' - - . - - - .
<br />THE NOTECONTA:INSPROVISlONS~~\YIIW~:;E~1Ji ....
<br />INmElNTERESTRAtt4ND;THE.M~~~_ .'
<br />BOIUlOWER MAY I..IMI'fMONTHt.YP~l!I\4mil4r
<br />7Y>.$ EACH YEAR IF THE PROV1SlvNSOFnfENGtEc
<br />
<br />AnorrtoNAL CoYVfANTS. in' addition. to the <:ovenallts and agiectl.tenlS'madei[l~'
<br />BOrrower ami- Lender further <xW'Cilant and 'agree- ai follows:' ' '
<br />
<br />A. INTEREST RATE AND MONTHLYPAYMEN~C:HANGES
<br />
<br />The Note provides for an initial interesl rate "f J,9.~.t?..
<br />the monthly payments, a. foil'!",,,
<br />
<br />4. INTERE...<>T RATE AND MONTHLY PAYMENT CHANGFS;BORROWER!SRl~Hif'i'9;
<br />MENT ,..
<br />
<br />(A) Chaqe Dales .
<br />
<br />The intcrest rate I will pay may change nn .he firs! day of ......~.................,., 19,,~:;,......
<br />lhat day every 12th monlh thereafter. Each datc nn which my intcrest tate could change is callild,a ';~
<br />
<br />(8) The IDOIe"
<br />
<br />Beginning Willa tbe first Chanll.e Date, my interest rate wil! be blUed on an Indell, The"Indn-"iS~~<
<br />average yteld on United States Treasury securities adjusled to a consUlnt maturityo( 1 ye~,as:made.alt;Ulab\t'ib1,~t)#;,'?
<br />Federal Reserve Board. The mosl recent Index figure avadable as of the date 4S dllysbefOreuchCllHp;'{)Ate.c~"...'
<br />called Ihe "Cutrent Index"
<br />
<br />If the Index i. no longer available, the No.e Holder WII! choose a neW index wbich is basedupoBCQlltpatlllile'
<br />mformauon, Ine Note Holder walllllYe me notice '1f this choice.
<br />
<br />Ie) Calculalioa of Chaages ......'.
<br />
<br />~fore each Change Oa.e. the Note Holder will calcularwy new inll~resl rate by addill&,.,......~..~c,:..
<br />...SJ,X..~. , '....................' percentage points ( ........~...... %) tn .he Current Index, The NOle HOW<<
<br />"'llIlhen round the result of tins addlUon to the nearest '1ne.elghth of one percentage point (().12S$). Th~~.
<br />amount will be my new .nterest rate unnl the nexl Change Da..~.
<br />
<br />The Note Holder will then delermme the amouR! of Ihe monthly payment that wOll!d be sllllicienl tnfeJIV the.
<br />unpa.d pnnclpallhal I am expe.:ted 1'1 '1We allhe Change Date in full on the mat utilI' date at my new i1lterest n<tein
<br />SIlOstanllally eqllal payments. The r""ull of thIS e&lclll.,ion is called Ihe "Full Paymenl."II will be tbe neWlllllOltnl 01'
<br />my m(lnthly payment unless I choose the amount perm.ued by Section 4( F) below,
<br />
<br />( 0 I EIfert.... Oa.e of Cban:es
<br />
<br />~'-1~;;:~__
<br />
<br />< ,';--::..:_'-.:;
<br />
<br />My new inter~t rate WIll ~"()me enectlv~ on each Change D..ii. : ~,in y...:]~ :h~ ~~e~~t cf m}' n~~ ~~~_~
<br />payment he:<nnang on the first monthly paymenl dale arter Ihe Change Date until the amount of my monthly
<br />Pllymen. dullJeS allain.
<br />
<br />(J::) NOlke of Chuaes
<br />
<br />The l'o'ote Holder WIll dehver or maal to me a ..oure of any changes in my inlerest rate and the amount of my
<br />monthly paymenl before the effectIve date of any change, The nOlice willmclude informalion required by law to be
<br />r,ven me and al", lbe title and !e1ephune number of a per,,)n who will answer any question I may have regardinll. the
<br />ft-Otice,
<br />
<br />(F) Borrower's RlPt to Until MOIItnl)' Payment
<br />
<br />Unless SectIOns <I( H) and 4( I) below wdl nOI permn me 10 do '0, I may choose 10 I1mil Ihe amounl 1.'1' my new
<br />malllhly paymenl followlllII. . Change Oale 10 the amount I have been paying mUllipl.ed by Ihe number Ltl7S. fhis
<br />),....,..Rt IS called 1M "Llm.ted Payment." If I .hoose . l.imi..,d Paymenl as In)' monthly payment, I mu.t Kin the
<br />Not.. Helder _iN t....11 ... oIoial'" allea.. IS day. IIdnr. my tir.. ....w monlhly payment i. due,
<br />
<br />( G I AtlcIlt...... 10 My U.....itt .........ipld
<br />
<br />If I <m- to pay lhe Limited Payment, my monthly' payment could be less Ihan Ihe amoUlll "f the nllere'l
<br />pontOn 01' lbe munlhly paymenl Ihat would be !oulliC1em I(> repay the unpa.d p""ClI,al I ,)We ;H Ihe momhly paymenl
<br />date in full on lbe mal"tity wlte III .uostantlally equal payments. If 'Cl, each monlh Ih.l Ihe 1.,",",:11 Payment" Ie"
<br />tha.n !hr ~nttte,t porUOfl. !~ NUlt?' H-Qi-dcr win 'i'ybuU:\"t the Limned Paym-em from Ihe .lUlI,.H.Hl1 uf tn'\:' 100('fcst fl'lu1lon
<br />
<br />.....Tle1'4111 ~T-" 114111-'-1 y_ r~ _._"- f__.......,........, u.lOonft__
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<br />f~ 3\011;,'-&-3
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