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2oosus7o2 as published in The Wall Street Journal. The most recent Index figure available as of the date 45 days before each Interest Change Date is called the "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. (C) Calculationof Changes Before each Interest Change Date, the Nate Holder will calculate my new interest rate by adding TWO AND ONE-QUARTER percentage point(s) ( 2.250 %) to the Current Index. 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(D) below, this rounded amount will be my new interest rate until the next Interest Change Date. The Note Holder will then determine the amount of my monthly payment. For payment adjustments occurring before the First P&I Payment Due Date, my monthly payment will be the amount sufficient to repay all accrued interest each month on the unpaid principal balance at the new interest rate. Far payment adjustments occurring an or after the First P&I Payment Due Date, my monthly payment will be an amount sufficient to repay the unpaid principal that I am expected to owe at the Interest Change Date in full on the maturity date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) Limitson Interest Rate Changes The interest rate I am required to pay at the first Interest Change Date will not be greater than 8.750 % or less than 2.250 %. Thereafter, my interest rate will never be increased or decreased on any single Interest Change Date by mare than Two percentage point(s) ( 2.000 %) from the rate of interest I have been paying for the preceding 12 months. My interest rate will never be greater than s • 750 %. (B) Effective Date of Changes My new interest rate will become effective on each Interest Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Interest Change Date until the amount of my monthly payment changes again. (F) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and the amount of my monthly payment before the effective date of any change. The notice will include information required by law to pe given to me and also the title and telephone number of a person who will answer any question I may have regarding the notice. 0263624116 MULTISTATE INITIAL INTEREST ADJUSTABLE RATE RIDER - 1-Year LIBOR Index (Assumable after Initial Period) (45 Day Laokback) -Single Family - Form 5137 7/05 Freddie Mac UNIFORM INSTRUMENT VMP193R (0804).00 VMP ® Page of 5 Wolters Kluwer Financial Services Initials: