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200002365 (B) The Index Beginning with the first Change Date, my interest rate will be based on an Index. The "Index" is: US Treasury Bill The most recent Index figure available as of the date: ® 45 days before each Change Date is called the "Current Index. " If the Index is no longer available, the Note Holder will choose a new Index that is based upon comparable information. The Note Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest rate by adding THREE AND 750/1000 percentage point(s) ( 3.750 %) to the Current Index. The Note Holder will then round the result of this addition to the ® Nearest EJ Next Highest E] Next Lowest ( 0. 12500 %). Subject to the limits stated in Section 4(D) below, this rounded amount will be my new interest rate until the next Change Date. 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. E] Interest -Only Period The "interest -only period" is the period from the date of this Note through For the interest -only 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 accrues 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 amortization 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. Initials: (M-899U (9705).01 Page 2 of 4