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2� 17��3�5 <br /> �B} The lndex . <br /> Beginning with th� first Change Date, my interest rate wi1C he based on an Index. The <br /> "Ind�x" is: Treasury �onstant Maturi ty 1 Year <br /> The m�st recent Index figure a�ai�able as �f the date: [X� 45 days C] � <br /> befare ea�h Change ❑ate is ca�led the "Current lndex." � <br /> If the �ndex is no �vnger aWailab�e, the Nate Ha�der will choose a new Index that is based <br /> upvn �amparable information. The Nvt� Holder will give rx�e not�ce af this chaice. <br /> ��j �alculat�vn of �hanges <br /> Befare each Change Date, the Nvte Holder w�[E ca�culate my ne►n► interest rate by add�ng <br /> T1nl� AN❑ 87511��D percentag e pvi nts <br /> � 2.875 °/o� ta the Cur�-ent Index. The Nate-HvEder w�Rl then round the result of <br /> this additivn to the [X� Nearest 0 Next Highest [�Next Lawest <br /> � � �.1�5�� °/o}. Subject <br /> to the �imits stated in Sect�an 4t D� belo►rv, this raunded amvunt will be my ne�rv inte�rest rate <br /> until the next Change Date. <br /> �The Note Holde� wil� then dete�mine the amvunt vf the- manthly payment that wau�d �e <br /> suffiicient tv repay the unpaid princ�pa� I am expected tv owe at the Change Date in fu�j on the <br /> Maturity Date at my new interest �ate in substantia�ly equai paym�nts. The �-esult of this <br /> ca�cul�ation wi�� be the new amQunt af my month�y payment. <br /> 0 fnterest-�nEy Perivd . <br /> The � "�nterest��nEy Period" is the period fram the �ate of this Note thr�ugh <br /> . For the interest-on�y pe�iod, after calculating my new �nterest rate <br /> as prouided abo�e, the Nate Haider ►rvill then d�t�rm�ne th� amvunt of th� manthly paym�nt <br /> that wauld be sufficient to pay the interest which acc�ues on the unpa�d principaE of my �oan. <br /> The result ❑f this calculation w�It be the new amvunt of my manthly payment. <br /> The "Amortizatian Period" is the periad after the interest-onEy perivd. For ths <br /> amartizatian periad, afte�r calcu�at�ng my nsw interest rate as pro�ided a�oWe, the Nvte Hvlder <br /> w��l then determine the amount flf th� monthly payment that would b� sufficient tv repay the <br /> unpaid prin�ipal that � am expected.to owe at the Change Date in ful� an the Matur�ty Date at <br /> my new �nte��st rate in substant�ally equaj payments. The result of this calculatian will be the <br /> new amount vf my monthly payment. <br /> � .� <br /> !n " �$: ��� <br /> �-899R ��5��� Page 2 of 5 , <br /> � <br />