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2� 17��8�4 �B} The �ndex Beginning wit� the first Change Dat�, my interest rate wilf be based �n an Inde�. The "�ndex" is: Treasury Canstant Matur�ty l Year The mast r�cent �ndex figure a�ai�abi� as of th� date: C.� 45 days 0 bef��e each Change Date �s ca��ed th� "Currer�t Ind�x." �f the [ndex is no �onger a�ai�ab�e, th� Nate Holder w�� ch�ose a n�w �nt��x that �s based upon comparable infa�mation. The Note �a�d�r will gi�e m� not�ce of this c��ice. �C} Ca�culat�on of Changes Befare each �hange Date, the Nate Ho[der will ca�cu�ate my new interest rate �y adding T�D AND 87511D�� per�entage points 4 �.875 °/a� tc� the Current �nd�x. Th� Note �vlder will then rvund the resu[t �f this addition t� the � N�arest � Next H�ghest � N�xt Lowest � 0.125Q� °/a�. SubjeCt t� the limits stated in �ection 4�D} below, this �vunded am�unt w'r�� be my n�w interest rate unti� the next Change Date. �] The Nate F�older wil[ then dete�mine the amaunt of the manth�y payment that wau�d be suff�cient to repay the unpaid principal � am expected to owe at the �hang� C3at� in fu�� n the Niaturity Date at my new �nterest rate in substant�a�ly equal payments. The resu�t of this calculation wil� b� the �ew amount ❑f my monthly payment. � fnterest-�n�y Perivd The "�nterest-�nly Pe�iod" is the peri�d f�om the date of this Nate thraugh . For th� �nt�rest-�nn�y pe�iad, after Galculating my n�w �nterest rate as prv�'rded abo��, the Note Holder will then determine the amaunt of the mvnthfy paym�nt that would k�e sufficient to pay the interest which accrues an the unpaid principa� of my loan. The result of this calcu[ation wilf be the new am�unt of my monthly payment. The "Amortizat�on Period" is the period after- the �nterest-an�y period. For the amo�tization pe��od, after ca��u�ating my new interest rate as p�o��ded abo�e, tne Nvte Ho�der will then d�termine the amount of the monthiy payment that wou�d b� sufficient ta repay th� unpa�d prin�ipal that � am expect�d to �we at the Change Date in ful� vn the Maturity Date at my new interest rat� �n substantiaf[y equal payments. The resuft �f thiS ca�culatian wilf be th� new amaunt of rr�y month�y payment. � I nitia[s: � �-89�R 4�5��} Pag� 2 �f 5 ..�. 0