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<br /> ' .��, (C)CpkWsttloe ot Ynterest R,�te Changes
<br /> �` � &fore each Chango Datc,Le�u will celculatc a ucw inter�t ste by�dding a margin of
<br /> r h't`y�.K
<br />,:u;;;�,�: TKO J►ND B�V�T-iici8Tit8 perrtintage point(s)( 9.875 ;G)to
<br /> "'�'' the G�ur�ent lndea And mundiu thA sum to tlie nearest one-ei th of one g po j
<br />`:_°,� g gh perrenq c int(O.12S 96).S�b cet to
<br /> .;;;� 1� the limits statcd in paragraph(ID)of tLis Ridcr,thls roundod amount wlll bc tLc new inutest rue unW the ncxt
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<br /> .;�;:°w�,� N)Limita oe Interest ltxto Cltpngcs -
<br />'--�r+� Thc existeng intenst rato will aever increase or dce�ease by more thw one perantage point(1.096)on =
<br /> Y.=;;��:� aay aingle Change Date. 'The inttr�est rate will never be more th�n fiv�perceatage points (5.096)higher or -�
<br />=��..-�8� lower than the initlal inurest rs�to,as atated in Paragraph 2 of the Note. `'
<br /> �-t�;e� (B)Calculatlon ot Pf�ymoint C.t�ange .-
<br /> If the interest rate changa.on a Change Dau, Lender wiU calculata t6e unount of moatlily pnyraeat of ���
<br /> -__°_-�_.�� principal aad intcnst which w�uld bo necessary to repay ttte uopaid principal balsmoe ut tLll at the MaturIty -
<br /> =_�„� Ante at the new interest rate throngh substaatiallY�qual pnYments.In maicing such calculation,Ixnder.will uae --
<br /> -_`�"�' .- iue un�aid principat oaI�wnic:n wauFd'oe owai ou ine i,nango I'iaio ii ii�i�e uad betn na defauIt in payQUnt
<br /> ---:,�� . on the Note,reduced by the amount of any prep�ymenW co prIncipal.'!be nsult af this calculatIon wUl ba the
<br /> ---�=� . amount of the new monthly payrneat of grInaipal and intanst.
<br /> �---_ , (F)Notic�ot Chengd _
<br /> `-3 Le�der will give notico to Horro�ver of any chenga in,the 9nter�est rate md monttily paymtint amounx.'dhe
<br /> aotico tnast be given s►t least 25 days b�forc thc new monthly psyment amount is duo,aad a�ust aet forth(i)the
<br /> date of tho aot�ca, (ii)the Ch�nnge Dau, (iii)t�he old interest rate,(iv)�he aew iatarest r�te. (v) t3ie new
<br /> --- , montWy paya�cmt amount, (vi)tbp 4timnt Iadex and the date it was publierec7,(vii)the method of calculating
<br /> _� tho change ia montlily payxnaat amnunt, and(viii)any other inforra�doa which may be rcqvired by law from
<br /> time to time.
<br /> (G)E[iaxive Ib$ae oi C6nages
<br /> A naw latenst rato calcvZated in eccordwce wIth pangr�phs(C) anc� (A) of this Rider will bcoome
<br /> effective�n the Chan�e Dato. Iiormwer shall nwke a paymcnt ln 3he new moathly�nouat beginaing on tt►s
<br /> ;;;��= Hrat p�,vmeat date which occurs at lea.et ZS daya aRer I.ender�as given Homower the notice of�$q
<br /> required by paragr��(�of tl�is Rider. Borrower ehall have nn obliguian to pry any incce�e in the aw�Iy
<br /> - -- • p�yment amotmt ca1t�3?nted in sccordance with puagraph(II)of this Rider for any piyment duta ooc�rrir�.g lesa
<br /> ' . th�a 25 day� after Irtndcr hu given thc required noHa. If the monthly p�ymwt amaunt calculatrd ir►
<br /> ���t�. aocoMaace with paragraph (S)of this Rfder decnased.but Leader falled to givo timely notice oF the decrcaae
<br /> :.,;�,�� and Borrower made aay monthly pnyment amounts exceeding the piytn+ent amount which ahould have ban
<br /> °� etata!ln a timely aotico, then Docrower ha�the option to either (i)dezmnd the tetum to Borrower of aray
<br /> eACCSS paymant, wltZi�ntet+e�t thereon at the Note rate(a rate oqwil to the �nterest rate which should have beea
<br /> • , statat tn a tlmely aoilee), or(ii)request that aa3+exces�paytnent, with intcrest tbereon at the Note n�s�e, 'be
<br /> - appliod as payment of principal.1,ender's obligation to�+etum any eacxss p�yment with int�rest oa demand is
<br /> ----- not�ignable even if the Note is ot�herwise asstgned befQre tleo c1eroiaad for rctum is mscle.
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