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<br /> 98- 1�23�1
<br /> (�)'Che Index
<br /> Beginning with the firot Change Date, my intcre�t rate wlll Fx based on An Index. The "Index" ia:
<br /> UB Tr�asury 9i1�
<br /> The most recent Indcx�gure avail�ble aa of the date: �ti5 days �,_
<br /> before each Change Dace i�called ttse"Curnnt Index.'
<br /> If the Indez ia no longer available, the Note Holder will choose a new Index that is based upon
<br /> comparable informatlon. The Note Holder will give me notice of this choice.
<br /> (C)Calcul�tlon ot Changes
<br />� Before each t'hange �ato, the Note Nolder will calculate my ne�v interest��nt�gt polnt(s)
<br /> �q �!ID 3/4
<br /> (2.75000 96)to the Curnnt Index. T1u Note Holder will then round the result uf thi�
<br /> addition to the �Nearest �Next Highest �Ncat Lowest
<br /> l�g (0.125 �). Subject to We limits stued ia
<br /> Section 4(D)below,this rounded amount will t►e my new interest rate until the n�xt Change D�te.
<br /> 'The Note Holder will then determine the amount of the monthiy paymet�t that would be sufficirnt to
<br /> repa�y the unp�id pdncipal that I am oapecte�to owe u the Change Date In full on the Muurity Date u my
<br /> new intacat rue in substantially equ�l payments.'fhe result of this calculation will be the new amount of
<br /> my monthlY MYment.
<br /> l.J IDtereat-lJdy ra'wa
<br /> The"intereat-only pedal'is the period frc�m the dato of this Note through �
<br /> Por the interest-only period, xfter calculuing my new interest rate as pmvided above,the Note Holder
<br /> will then detamine the unount of the montlily p�yment thu woutd be sufficient ta pay the int:�+est which
<br /> �ccn►es on¢he unpaid pria.ip�l of my loan, Tho result of this cdculation will be tbe new amount of my
<br /> monWly pxyment.
<br /> The •unortiz�tion period' is the period after �he inteKSt-only period. For the amottizuioa period,
<br /> �te�calculuing my new intenst nte u pmvided above. the Notc Holder will then detetmine the�mounc
<br /> of tbe monthlY paYcnent that would be sufficient to repay the unpaid principal that I un expected to mve�t
<br /> the Change Due in full on the Muurity Due ac mY new iotec+est rate in subsantially eqwl paymenu. 'llie
<br /> reault of this calcuiuion will be the new amount of my monthiy paymrnc.
<br /> Initisl�,�--
<br /> �89911(970F) Pay�2 of 4
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