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20120476� (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is: Treasury Constant Maturity 1 Year The most recent Index figure available as of the date: � 45 days 0 before each ehange Date is called the "C�rrent Index. " If the Index is no longer available, the Note Holder will choose a new Index tha.t is based upon comgarable information. The Note Holder will give me norice of this choice. (C� Calc�ation of Ct�anges Before each �hange Date, the Note Holder will calculate my new interest rate by adding TWO AND 875lI000 percentage point(s) ( 2.875 %) to the C�urent Index. The Note Holder will then round the result of this addition to the � Nearest 0 Next Highest 0 Next Lowest ( 0.12 5 0 0%). Subje.ct to the limits stated in Sect�on 4(D) below, this rounded amount will be my new interest rate until the next Change Date. The ATote Holder will then determine the amount of the monthly paymegt that would. be sufficient to repay the unpaid princigal that I am expec;ted to awe at the Change Date in fiill on the Maturity Date at my new interest rate in substantially equal payments. Tfie resuIt of this calculatioa will be the new amount of my monthly payment. � Interest-On1y Feriod The "interest-only period" is the period from the date of this Note through . For tlie interest-oniy period, after calculating my new interest rate as provided above, the Note Holder will then determine the amount of the monthly payment that would be sufficient to pay the interest which accnies on the unpaid principal of my loan. The result of this calculation will be the new amount of my monthly payment. The "amortization period" is the period after the interest-only period. For the amortizarion period, after calculating my new interest rate as provided above, 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 Date at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. �-899U (9705).01 e Page 2 of 4 Initials: ' 9 � M i ` � . .. ,. .