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2� 17�� 18� <br /> 4 B� The I ndex <br /> Beginning with the f��st Change Date, my interest rate will b� bas�d an an �ndex. Th� <br /> "Index" is: Treasury C�nstant Matur�ty l Year <br /> The m�st recent Index figure a�ailable as of the date: � 4a days � <br /> �efare each Change Dat� is cal[ed the "Current �ndex." <br /> lf th� lndex is no �onger a�ai�ah�e, th� Nvte Holder w��� chaose a new Ind�x that �s based <br /> upan comparab�� �nformat�on. Th� Note F�vlder wi�l gi�e me notice vf th�s chai�e. <br /> 4C� Calcuiation vf �hang�s <br /> B�fore each �hange Qate, the Note Ho�der wi�� ca�culate my new interest rate by adding <br /> �� AND 87�I10�4 percentage points <br /> � 2.875 °/o� to the Current fndex. The Note H�lder w�l� tnen round the result of <br /> this addition tv the � N�arest 0 Next �ighest � Next Low�st <br /> 4 0.I2�Qa °/a�. Su�jeGt <br /> tv the �imits stated in Sectian 44�} belvw, this r�unded amvunt will �a� my new �nterest rate <br /> until the next �hange Date. <br /> �Th� Nate �o�der wi�! th�n determine the amvunt vf the manthly payment that w�uld be <br /> sufficient t� repay t�e unpaid p��ncipa� 1 am �xpect�d to owe at the Change Dat� in fu�i an the <br /> Matur'rt� Date at my new interest rate in substantial�y equa� payments. Th� resu�t of this <br /> ca�culation wi�l �e the new amount of my manthly payment. <br /> 0 Interest��n[y Peri�d <br /> The "1nt�r�st��nly Period" �s the per�od from the date of this Nate th�ough <br /> . Far the interest-only period, after calculating my new int�rest rate <br /> as pro��ded aba�e, the Note Hv�der will then determtne the amount af the manth�y pa�ment <br /> that wou�� b� sufficient tv pay the inter�st which accrues vn the unpaid �rinc�pal of my I�an. <br /> The result �f this �a�culatian wi�� �e the new am€�un� of my m�r�thly paym�nt. <br /> The "Amortization Period" is th� periQd after th� interest�-�nly periad. Fo� the <br /> amorti�ation period, after calculating my new inter�st rate as pra��ded abo�e, the Note �o�d�r <br /> w�ll then determ�ne the amount of the monthly payment that wau�d be sufficient t� repay th� <br /> unpaid princ�pal that I am expected to owe at the Change Date in ful� on the Maturity Date at <br /> my new inte�est rate in substantial[y equa� payments. The result of this calcu�at�on will be the <br /> new amaunt of my manthly payment. <br /> � <br /> �n�t�a��: �...�� <br /> �-899� �a51�} Page 2 af 5 , <br /> � � � <br /> � <br />