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201 00�8�� (B) The Index Beginning with the first Change Date, my interest rate will be based an an Index. The "Index" is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Federal Reserve Bnard. The most recent Index figure available as af the date 45 days before each Change Date is called the "Current Index." If the Index is no langer available, the Note Molder w ill cho�se a new index w hich is based upan comparable information. The Note Holder w ill give me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder w ill calculate my new interest rate by adding TWO AND 750/1000 percentage points ( 2.750 %) to the Current Index. The Note Holder will then round the resuit of this addition to the nearest one-eighth af one perc�ntage point (0.125%). Subject to the limits stated in Section 4(D) belaw, this rounded amount will be my new interest rate until the next Change Date. The Note Holder will then determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Change Date in full on the maturity dat� at my new interest rate in substantially equal payments. The result of this calculatian 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 b� greater than 8.000 % or less than 5. 500 %. Thereafter, my interest rate w ill never be increased or decreased on any single Change Date by more than tw o percentage points (2.0%) from the rate of interest I have been paying far the preceding 12 months. My interest rate will never be greater than 11.000 %. (E) Effective Date of Changes My new interest rate will became 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 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 w ill inctude information required by law to be given to me and also the title and telephone number of a person who will answer any question I may have regarding the notice. 230944 M UL7ISTATE ADJUSTABLE RATE RIDER - ARM 5-2 Fannie Mae 4-2/5-2/6-2 ARM Single Family - Fannie MaelFreddie Mac UNIF�RM INS7RUMENT Form 3111 1/01 VM P � VM P822R (0804) Wolters Kluwer Financial S�rvices Initials: �'' Page 2 of �4