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2� 17��724 4 B} The I ndex Beginning with the f�rst �hange Date, my �nterest rate wi(� be based on an 1 ndex. The "Index" is: Tr�asury ��nstant Maturi ty l Y�ar The m�st r��ent �ndex figure a�ai�ab�e as of the date: � 45 days � before each �hange Dat� is ca��ed the "Current Ind�x." [f th� Ind�x is no �onge� a�ailable, the Nate �old�� wi�� ch��se a new Index that is based upon comparable infa�mation. Th� N�te Hold�r will g��e me nQtice vf tnis chvi�e. {�j �al�u�atian vf Changes 8efore each Change Date, the N�te Hvlde� will calcu�ate my new interest rate �y adding THREE AND 75411�� perc�ntage points 4 3.75� °/o� to the Current I nd�x. The Nate �v[de� w�� then r�und the �esult of th�s addition ta the � Nearest � Next Highe�t 0 N�xt Lowest � �.1�5�D °/�3. Subject to the I�mits stated in Section 4�D} be�ow, this round�d amount will b� my new int�rest rate unt�� the next Change Date. [� The hlote Ho�d�r wi�l then determ�ne the amount of the monthly paym�nt that would b� suff�c�ent t� repay t�e unpaid principal � am expected to owe at the Change Date in ful� on the N�aturity Qate at my new �nterest rate in substantia�ly equal payments. The �esu�t of this calculation w�ll �ae the new amount vf rr�y monthly payment. � lnt�rest-�nly Period Th� "Interest-anly Per�od" �s the period from the date of this Ntite thrvugh . Fo� the int�rest-only period, after calculat�ng my new int�rest rate as pro�ided abo�e, the N�t� Ho�der will then det��m�ne the amount of the manthly payment that wou�d be sufficient tn pay the inte�est which a�cru�s on the unpaid p�incipal vf my I�an. The result �f this calculatian w�� be the new amount of my month�y payment. The "Amort�zation Period" is the periad after the interest-on�y p�ri�d. For the amortization period, after calculating my new interest �ate as pro�ided abo�e, the Note Ho�der w�ll th�n d�term�ne the amaunt vf the month[y payment that would �ae sufficient to �epay the unpaid principa� that I am expe�ted to owe at the Change Date in full on the Maturity Date at my new �nt�rest �ate in substantial[y equa� payments. The resu�t af th�s ca��ulation will be the new amount af my mflnth�y payment, . �n�tials: �'`. �-899R 4�510} Pag� � of 5 �� D