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<br /> �����` geginning�vith the fitst Chaage Daze. mY interest rate w�i be based on as�Index. Tke "tndex'is: � -
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<br /> " r"��'t� " T`he most recent Index figure available as of the d2te: �45 days �
<br />- •`. �.,��;'�:l: before ea�h Change Date is callea the°Gtiurent index."
<br />-�=�==�� If the Iadex is no longer ava�able. the Note Holder nrill c��vse a nelv Index that is bas�l upon
<br /> } ;�!� .. comparab:e informauon.The Note Holder vrill give me afltice of this choice.
<br /> - _'__�•si�� -
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<br />__,`.i�£�,�s (�C�[culatIon oY Cbaages
<br />-- . s�, -� Eefore each Change Date, the Note Hotder will c�lc�il�e my new Interest rate by adding
<br />_ ' ��;<< Zry7p AT�ID 750/1000 pe�nt�geF°int�s�
<br /> �= �`�` 2.7SQ 90)to the C�urent Inde�. 'C�Note Hnl�er w71 dicn r�u�l the terilt of this
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<br />-_�_�-��'F Y�� � • ��ion to the �Ie�e� 0 Next Highest r`Next Lowest
<br /> --:�.'�,,:�,� - •. ( � 0.12500 90).y`.IL`�t LO dLe limiLS SlaLed iD
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<br />::-�"'���•3�`�=�=r i' 3eaion 4{D)below,this rcimded r���i:;rill tse my new interesY rw.,°until tbe aPxt Change D�te.
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<br /> _�-;;:�= 73ne Note Iiolder wui then dete�:the amougt of tlie mcr:ui:;,j�ayment thai would be sufFicienc to
<br />-�`1.,�.x���,;��'" repay the unpaid priucip�:shat I am ex�ted to 04;.�:�e Changs��.e ia F-�?���?the 1►4aturiry�?ate ut my
<br />�=�='^;'`�'�.� new inter�t rate in substanfiallY e4ua]PaYms�ts.'�n..:�sult of this salsvlatic¢�vi;1 be the new amount of
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<br /> = '1'he"interest-only Fea'iod"is tre=eriod from the date of this:1��E through •
<br /> --- For the interest-only p�rr:'_.after taiculatin8 mY aew iaterest nte as�mviz--"'1 above. the Note Halder
<br /> . �c�����--� will then_determine t�e:riss���t of;:�:�onthly payment that cvauld be s.�ff c�ri.►�s pay the interest wls�:h
<br /> ���L��?�_--° _ accrues on the impaid pr�uipal of a��li:an. The rzsult of this ci x1::a�on�s-�!��-the ne�v a�ount of my
<br /> monthlY Payment•
<br /> - - "�s 'The "att�ortizati�n period" is the period after the interest��:.f •:eriad. i,-rr. ��affion�ation period,
<br /> �,� after calculating my aen� interest iate as provided above, the Note Ho3der ti�:i:�3u9�determine the amou�t
<br /> �_—=`� of the cnonthly payment that would be suffi�ient co n�;..;�the unp�id prinrcp�:��d:�am exPected to owe at
<br /> ---—=- the Change Date ia full on the Marurity Date at my new interest rr.::n substandally equal paytt�nts. The
<br /> -���� result of this catculatian will be the Aew amovnt of ir►y montWy�:T�rrr�:s.
<br /> - Initiats•
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