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� <br /> --���-�:,- -- -- ��-r-r-.��;�er� ,. <br /> ��������II���� /. . .- - - - - ' _:, L <br /> r� _ <br /> - �' � �_s, t �- - »:..•.-•-t�,-.'..:Ka�qM�F'�M�aT+'�i'`�4t1�t-xz��e�:4,�- • ._ ... _ --_—...+r-nnwE.-... <br /> wALY 001-607790�� <br /> • 96— �l�����1 <br /> ADJUSTA�BL� RAT� RiDER <br />' TH1S AQfUSTABL&RATfi RIDFR it n�ac3e this 19TH �y of APftIL , 1996 ��J� <br /> icwory�iaoo�not st�aall ne cioernocl m aa�eaa aaa supptaneat tbo Morty�t�e.L�oed o�r'riuse or Sxwity neoa(mo"security <br /> �")ai tho s�ne dalo givea by t�e uader�i�nod (the"Borrowa")w socurv Horrowar'e AdJustable Rate Note(thc <br /> 'Note")co <br /> HOMB FrrD�ritAL BAVINfiS 6 LQAN A&SOCIATION OF dRANI7 ISLAND <br />_ (tA0"L�IKiC�")(sf t110 YY710 d�{C QOd Wvtfi[l�NC pfOpC�ly dZiCfibOd lA t210 SOCUCity IIWlurtltn[A11d{OCate�YL' <br /> 34�5 SCHROT►p�it AV� <br /> fiR�ND ISLIWD� AT�8RJ1SKl1 60003 <br /> (�ap�sW Ad�nul <br /> THiS NOT'B CONTAINS PiRQVY9IONS ALLOVVINO [rOR CH.ANG�S IN MY dNTERFST RATE AND MY <br /> MONTtiLY P�YM�I�fT. INCitEASES IN T�iE 1N1'CREST RIlT� VYILL it6SULT IN �G�iER i'AYMEI�T1'S. <br /> D�R�AS8.9IN T41E WTEjtES"f RATE WILL itBSULT W LOWEit�AYMfiNTS. <br /> AD�IT[ONAL�OV6NANf'S. Ia �ddIttoa ro ihe covea�nts �nd �aemeats m�de la ttiso Socuriryy Insaumrnt, <br /> Bocrower�ad I.eodet fuNrar wvauat aad�ycao as fdbws: <br /> A.nVTF�BST 1tATE AND MON77il.Y PAYII�NT CHANGES <br /> �e No1e pmvida for an ioitial ioutest rate of 6.000 �o.1l�e Nota p+ovides for cl�an�es in tbe <br /> iu�xest we aod tbe asootbly p�ymeat�.as folbws: <br /> 4.WI'ERES'1'itATE AND MQNTE�.Y PAY1I+�NT CHANGES <br /> .(A)Cba�e IDstes <br /> �C ittterrst i�tC I wi11 p9y may CAange ou tbe first d�y of NAY � 1997 .iod Oq dlit dqy <br /> �y 12T8 mmtb thaea4a.E�h date oa wl�ich my iat�erest rate caild cb�age i�c�lled a•Ch�n�e D�s, <br /> �sy�� <br /> . - ----��;�:�;�����Y��������.�.�;�-� ---- <br /> TFIS WSE1fLY AVSRAtsB YIBI.'� QI3 UNZTSD STATSS TRBASURY SgCURITISS AUJ[JSTBD TO A <br /> (."QNST7INT NAT[J�tITY OR 1 Y'SAA, AS MADH AVAILASLS BY TH8 �TtQSr. RSS83tV8 BnJ1LtD. <br /> Zbe mo�treaat lndax figin+e tvsii�ie as of tLe da�e: 0 45 d�ys ❑ <br /> befao�nch�e DMe ia cadbd d�e'Lltaowt I�dea." <br /> If the I� ia ao la�a ar►ail�ble,the Note I�odder well cl�ooae:aew iada�d�t is b�sod upm wmp�abb info�matba <br /> Zbe No1e Holder�vill�v�me aotice o�f tbis chaice. <br /> ��:}!`�u..:s.•�=� <br /> Hefo�acb CAange DatG d�e 1\oAe HoWer w�l calculate my aew iausest tate bY a�ldio� <br /> �o nNa o� xn�� pa,a„�g�paa�(a� � z.s o o �)to tbe Cuarau mdex. <br /> �ho lvote Hoidv.u;u mea m�oa�Ae ttwlc of this addidon t�u a�e p Na�+esc CJ �� 0 Na�c Loweac <br /> OYi tIGA'!!i ( .iZS ��, <br /> $0�1JOCt 10 fbC�EfiiOv 70$OCt108 4(D�btjDW�fbL4(OOD�L�it001�ilL Wlu�1C fIIy/DC'9Y IQ�C2Y,�L li�E Oafll t2iC OCxL C�C <br /> �, � <br /> Z�1C NOOC Ki0�11V1�t�dCfGSO�OG t�C iI�0110t Of f21C IDODt�1y j�}101C�t t�WOL��1C S1l�iClCO[f0 t�C�y�1C� <br /> � pcincipl tbat 1�m ea�pecsed 10 owe at tbe Ch�nge Date in fiill on tLe m�ouity d�e at my new ioterest r�te i�suba�atially <br /> . eqwl parnea0.Tbe reaulc of tbis c�l�ion wiu be d�e nca+amounc of my mooduy p�►ma,t <br /> (D)l.t�ib d Iatenst Rate C�aata - <br /> e�iee:�ajiyropri�rte&,xtr,ij'no oas is ctuclre�.tbar witt be�o�fiinit oa c�a�gu.) <br /> (1)1�et+e�vill be ao�ma�cimutu Wait an iatriesR rete cl�oges. <br /> . � (2)'!be ioktest r�1e I am requii+ed b p4y at tbe fust Clun�e Date wi11 aot be�ra0a tivn e.o 0 o q, <br /> p� 4.000 �,, <br /> ` � (3)1VlY in�rest rate will never be iocr�ed ae daYnaed ao�►Y su►8k Cl�e Dote by more than <br /> Two paACSnrr p�� p�s� � 2.o00 �) fmm �he <br /> �ate o tarxt I l�ve beea p�aying fa tAe prooalin�period. <br /> � (4)MY intensi rate will never be gnakr tbaa 31.o 00 96.whiCh is c811od the"Mytimutn RalO." <br /> 1TiE "I�IINIF�k! RATS" U1ZLL NSVSR Sfi I.SSS TFiAD7 4.00Ot. <br /> MULTtsTATE ADJUaTABL.E RATE RtD6p-Sinplo Famay V� <br /> Pap.�a� <br /> �'�A(�a) VYP YORTOAtiF iOiWi•({OOJL41-7YY1 �ry: <br /> +t -x •'•�' <br />