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<br /> _ . BagipniuII with the tirst Chan�e Date,my interest rata wlll be bnsed an an Index. The"Index" is: `
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<br /> ,� U8 Tzoua�arY 8111 �
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<br /> �� •�: The most recenc Index figure availuble as of the date: Q 45 days �
<br /> � ' �� before eacli Chunge Date!s called the"Current Index." "--
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<br /> lf ti�e Index is no longer av�tlable,the Notc Holdor will choosc a new Index thnt is b2s upon - _
<br />,-�, � comparable information.The Note Holder wlll give me notice of this choice. -LL
<br />=' . ,: �� �' (�}C�rJ,.u[Adon of�hnn�cs =
<br /> :*::���"u��',: BEf�a•rc each Cbange Dute. the Note Holder will calcul�� my new taterest rate by edding
<br /> . TWp ArID 750/1000 percentage potnt(s)
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<br /> �,;;t:,;.,• .•. � 2.750 °!o)t�e Ctiureat l�idan e Note Holder wUl e�En rouad the result of this -.
<br /> �"'��`'� _�` addttton to the �Nearesc Next Higt►est �Next I.owest
<br />:-_=��,.w,..;� � �.3�500 %). Subject to the limits stated in —_
<br /> =--�_;,.;�� { Section 6;1�D)below.thia rounded artn�lint will be my new lntereai.rate undl the next Changs Date. `
<br /> ,"-""' '�Ir.r Nate Holder wiU then dete�iae the amouat of tbe manChly paymeat that woulcl E�e su�cient to
<br />--��`'��� repay cbe unpaid principal tt�at I am expected to ow�at the Chauge Date in WII on the Matudry Date at my
<br />�'`�=���{"�'� � ' ' y eA�, ��result of this calculation�vitl be the aew amount of
<br /> ��'�5,;t1;�'' � aew interest rate in substantiall equal paym
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<br /> -;.._'r�:.c� ,� ___, mY mo��'�1y payment.
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<br />-�}�t�f�•.� � [�Interest-Only Pertod .
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<br /> '�',+�.�;,. The tnterest-only pedad"is the pedod from 1he d�te of this,Noto rou� .
<br /> �����-� For the interest-0nly period, ufter calculating my new iaterest cate as provided above, the Note Holder
<br /> _„��;��� will then deternilne the amount uf d�c monthly payment that wauld�e sufficient to pay the lnterest which
<br /> ° --- • ac�;cues a� the unpaid pdnctp�l of�,�;p !oaz►. Tho reault ot tmis cnlculation will be the rtsiz��maunt of my
<br /> -"�� ''�'����C�� iaoathlypayment.
<br /> --�-=�'�� Tde "aunorti•ration period" ia tht pedod after tha interest-only perIod. For the amortle�zxion pedod,
<br /> �� after calculating my new interest mte as pcQVided�.bove.the Note Fiolder wiU dien deterralne the amount
<br /> - '-=-��� of the monthly Qayment that would be sufftcient to repay�he unpaid prlacipal tbat I am expected to owe at
<br /> W "°'°' -- the Chonge Date in tUtl on the Matudty Date at my new interest rate in substanttnlly equal paymenta. The
<br /> -- c e s e d t o t t h ia cafcW atloa wUl bo tha ne�v amount of my mont4ily g�ymcmt.
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