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<br /> _':`,,,			AMQtJNT'!7�d0�1tUWF�S��ERES'1'RA7E CAN CHANGE AT ANY OpE T1ME  	-
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<br />    �';:' 	Ratorrersad L+e�die��'i�cttur ooveaant and�:�5 follows:    					,   		..    �;.
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<br />  	.       ^Cl�ange Date"nicans each.o'�c�i:'which tf�;i�W;.�rest s�ce�change.
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<br />    "�`• -	tte'.�erve�o�nl.•;'�t!`ridex"`r.�ear��;t�►sa'i�en��f�lkc,`i3�,�4ar a�:�aliTe 30 days bcfore the t��aace. lfthe Indea     ' __
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<br />  		t6is ltider."Se�.~i��'.asea�.�3��racretury cf Hausir�g�d:lJ�i Bt��vab�;��►�sB r�r t�is.br her designee. I.ettder.+�i P�S`ti':'�'�,"^  —
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<br />       		Befate each'Ctunge Due.I.ender wi0 calculate a new interest rate by adding a ns�,�p�.�,�;``e'�-.�.:.•..�,`       		� _
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<br />   ;,,�';  	poiets(.2•fl0��.`,.rk)to the cument In�ez=aad ro�mding thc rum s�.��lie neare.at ane4iShsh''f�!'anet Percenta8� P�1	—_�
<br />    5;.,.   	0125�i  Su	the limits stated in Pa'i��  h D ot this Ridcr.tfi�is ivi►isdeA amount will be tl��i�ew interest rate until      �`.U"'°�   °
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<br />	� '     	'iTie ir�c�;w�ute will never incrca�c or decrrace by moie than one�iu�tage point(I.O�o)an a�sy singk Change Oata  	�  ,     �-�_�
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<br />      -  	'!1K inte�est r.�1�ri11 ncwer be morc Uu�n tve perrentagc pnints IS.II�/c�1ri�ar tower�t�n thc ieitial lmerest rate.     		.;�_,��,'.r�:�-� .,
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<br />   	,   	If tlie inter�st rue chmY'   "trn a Chan e Oaec.Lcnder will ralcutatc the a�naan�C�nonthl 	t of  	utd    	,r •h,�;�,    £�
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<br />      	�  interest ahich auuld be neoc��ary ta repay!�lie unpaid priacipal b�ilance in full at the iin�turity due a�the nrw incerest rate 	�.:;� . �      . s
<br />    ����`���	thmugh substan9iai�y equal payments. tn ntafiing such catrut�dcm.Lendea��►?ill use We artpaid princyj�}'.l�alance which woutd   �   '� , , •  '  	`
<br />   �`,!�:?;;�.:�       be owed on th�Cliaago Date if thene had been no dctaut�ln pay�ent oa i9i�:!lotz t�daced by me aaao�idt ot anY PrcP�Y�      •°�`� �;�;'�     '  '
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<br /> 	,   .  :Yti�priacipal.TIK eesult oP thi�calculation wilt be Ihe amount ot the new ieiantriiy payment oi principal and interest       	.     �� ;   �`j,,'�  ..
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<br />     ''�;<;,'	'`  l.ende�witl give notice to gatrower of any cbange in the interest raie azrd monthty payment amcwitt. The notice must 		,  � '•,��"
<br /> 	. �  '    6t givm at[ease 25 days befa�[e tt�new manthlY PaY��anwunt is due.and must set Eorth(i! tb�date of the notice      	, ��'.,;ti; ��,�+.�.,. ,
<br />  		(iif�he Ch+mgr batc.li'W tbe otd inttr�st mte liv)t�e aew interest tatc.l�!�he riew maathiY{�ymen�amount.(vi)the 		'.,?;y;�.
<br />     	-   Ctun�nt Index aad t6t date It was puhtisi�tt.tvii)the meti�od of catcul:uing the cir�o�ce in monthTY P�Yment atnaunt.and `		`�%':-}�-
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<br />  		(vlli)�ey other infarmatia��tilcl�may be required 6}�taw fratn time ta time.  	- 	-      	--    -		- ��'.`�,.,,,'ti�,: _�_
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