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201500799 <br /> (B) The Index <br /> Beginning with the first Change Date, my interest rate will be based on an Index. The <br /> "Index" is: Treasury Constant Maturity 1 Year <br /> The most recent Index figure available as of the date: � 45 days 0 <br /> before each Change Date is called the "Current Index." <br /> If the Index is no longer available, the Note Holder will choose a new Index that is based <br /> upon comparable information. The Note Holder will give me notice of this choice. <br /> (C) Calculation of Changes <br /> Before each Change Date, the Note Holder will calculate my new interest rate by adding <br /> TWO AND 875/1000 percentage points <br /> ( 2.875 %) to the Current Index. The Note Holder will then round the result of <br /> this addition to the � Nearest � Next Highest � Next Lowest <br /> ( 0.12500 %). Subject <br /> to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate <br /> until the next Change Date. <br /> �The Note Holder will then determine the amount of the monthly payment that would be <br /> sufficient to repay the unpaid principal I am expected to owe at the Change Date in full on the <br /> Maturity Date at my new interest rate in substantially equal payments. The result of this <br /> calculation will be the new amount of my monthly payment. <br /> 0 Interest-Only Period <br /> The "Interest-Only Period" is the period from the date of this Note through <br /> . For the interest-only period, after calculating my new interest rate <br /> as provided above, the Note Holder will then determine the amount of the monthly payment <br /> that would be sufficient to pay the interest which accrues on the unpaid principal of my loan. <br /> The resuft of this calculation will be the new amount of my monthly payment. <br /> The "Amortization Period" is the period after the interest-only period. For the <br /> amortization period, after calculating my new interest rate as provided above, the Note Holder <br /> will then determine the amount of the monthly payment that would be sufficient to repay the <br /> unpaid principal that I am expected to owe at the Change Date in full on the Maturity Date at <br /> my new interest rate in substantially equal payments. The result of this calculation will be the <br /> new amount of my monthly payment. <br /> ���"�" <br /> Initials: <br /> t�-899R (0510) Page 2 of 5 <br /> � <br />