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<br /> a' �1'�x�D���f�RE.9`��'aTC UPT�(DN
<br /> ' �'� � � B• a 'uatabto i�terest r�ta �j,�
<br /> • �.� ., � withlnt e�t��t�1 mit�o n flx�dpi itCreat rA e�ins fnllawa ert from an cU =
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<br /> � y� F'I�iED aNTERE.ST RA7`C CONV�1tSION OPTION =_
<br /> (A)(�p41c�n to Canvcrt to F�xe�Rate
<br /> ' 1 have n Caiveesion Uptt�n t�tnt 1 can axarclae unte9s 1 am in dofault or this Secti�am =_
<br /> S(A) will not pormit mo to da ep. 'Pito "Convereion A�tion" 99 my aption to eonvert cha _
<br /> ��: �. � interost rato I am rcquired to pay by this Note from an nciiiu9mble r�w with iaterest r�t�
<br /> ��' � •� � - Ucniw to t�ta flxe�rato ct�laul�ted undcr Seotlon 5(B)b�lv fi�ed b the Not�Hplder during th� -
<br /> �'� ,. 1. Tho canv�raion cun only taka plaa�on o dAtc(s)��c � . 3►
<br /> t�:���__ �� ' period be8inning on tho flret Chango Qato tutd endi�►.� on t�ie f�fth CbFtngo DAtv. �ch dat�
<br /> �'�'='' �L�. an which my a�ustnblo Incerest r6t� cii� co»vert co ctie naw �xed rat� is called the
<br /> � .. "Converelan Date." -
<br /> � � .. - If 1 want to oxerois�tho Coneer�lp»Uption, 1 mu9t fir��aneet cert�in conditi�i�j on the
<br /> - -�-��j"'"�~ condittons ar�that: (i) 1 muat givo tha Not� Ho1dGr aati�o d�a�I want to do ao; (iii�
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<br /> .,:.:;� -. Convereion Date� 1 mu,9t not ba In dof�ult wxier tho N6to us the Securlty Iaswmont;
<br /> . - � by a dat� epealfl�d by tha Noto Holdar� 1 muat puy thc Note Holder a convorsion fec o
<br /> ' �� �*�� � and(iv)I must sl�n and�;ive tho Note Holder any
<br /> -- '�:. l].S. S .00
<br /> _ _ _ � z �� t�in Nnte Holdcr raAufres to o�faat the�eunYersion.
<br /> (B)Cwlculatiau oi Fixed�Ato
<br /> ��. � My nnw� fixcd l�tterest r�ta will 1� eyunl to the Feder�l National Mortgu�a
<br /> " " ' '. A$socl�ttott'� required net yleld as of �dt�ta and time of day s�eoifiad b�r tha Noto Holdor
<br /> -- ►�...--�`�, � e v,.� s n.ve�r flxed rato
<br /> ; for (n if !h� �igin� term ai mn � 3; s�w�� t3�..'� 3 ,;..x_, -- .-- --
<br /> ry � mortga�es cc�verad by applicabto 6Q-day mandattary delivery commn3mei�t�,�s iw�iv�-o18hel��
<br /> of one percenta�e twlnt (0.62596)� rounded ta tho n e a r e s t o n e,t�dg h t h o t' one percanta�a
<br />:__� poiat (0.12596). or (fi) if tho otf inal term af thl� Nate is 15 yeare ar less� 15-year fixeQ_
<br />-;:°� cato mortga�as covo�tl by app�icable f+f�day mundawrY delivcry cammitrnonts, plus
<br />�_�� fly6-DlghihS Of 0110 pCtCOtlte 0 p01�1t ��.b2S�), roanded w tha neaze9t one-ai�hth of ona
<br />}•r �eroentaBo polnt (O.1ZS9�).�f thls �e qulred t�ot yietd eannot be determit�ed because ti�e
<br /> � a p plicablo commitmonta aro iwt availablo. Iho Nata Holder.wiil�t�earmina my interast rRto
<br /> ;,, by using compArable in form�t lo». My naw r�t o c a l c u t a t e d u r�d e x¢1 t a b s S e c t i o n S(B) w i 1 l n o i
<br /> � ba gceater than t�e Maximurn It�ta etatGd in Scctlan 4(D)above.
<br />;;�.- ��1 �������.qt�,mnunt attd�IItCtIVO AAtB
<br /> '`�� If�chooso to oxoralao ehe Convereiun nption�tha Note Holder will d�frou,�i��a the
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<br /> ' • amount of tha monthly paymont that w�uld ho sufflalont to tepay tha unpA�c�princlpal am
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