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~ (D) Effecti~e Date of ChanRes
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~ ~4~ new interest rate u~i;l become e?fecti~e cm each Chan~*~ Date. I~ti iil ~a} the amc~unt ~~t m~~ ne« mcmthl~ pa} ment
beginning cm the tir~t mc~nthlv pa~ meni date after the Change Date until the arn~~unt ~~f mv m~mthl~ ~a~ ment ~hange~ again.
('AP H()~IF: AnJI'ST.~R[.t: R.~TE: ~1()RT(:A(:E RIUE:R -~TFtF~Si R1 I~UF.~ a u~
~ao-os~
252.~ RETURN TO
First Citizens Federal
` Savin~s & L~an Assn.
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