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<br /> g�ginning with the fi:st Cheuge Date,my iatemst tate w111 be based on an Index.The "Index" is:
<br /> U8 Treasusy Hill
<br /> The most receat Index figure available as of the date: �45 days �
<br /> before each Cdange Dato is called the"Current Iadex.' ,
<br /> If the Index ie no tonger avaiiable. the Note Hatdcr vrW c,�oose a new Index that is based upoa �::,�
<br /> oomparablo i�nformation.The Note Holder wUl gIve me nadce of this choice.
<br /> (C)CWculatton of Changes
<br /> Before each Ch�age Date. the Note Holder wlll calculate my new iaterest rate by addinB .
<br /> �Fip ALID 7S0/1000 perceatage point�s�
<br /> � 2.750 �O)to the Clurent Indea.The Notc Hold�er wlll then muad the result of this
<br /> addi�en w the �Neaiest 0 Next�iighest ❑Next Lowest �
<br /> . t o.sasoo 4'0). Subject to the umits stared in . ,,, . . _
<br /> Secdon 4(D)below,tais rounded amount wW be a�y new lnterest rate uatil t�e neat Chenge Date. . . , �
<br /> The Note Holder will thea determine the amonnt of the monthly payment that would be sufficient to
<br /> cepay ihe uapaid�1�.ip;�thaz I�E�ents.The resuit of�thia calculation�wW be the n�amoum of
<br /> new iaurcxt rate In substandallY equal P Y� � .
<br /> my monthly payment. � ,`.�,
<br /> ' �. , ❑�rthre�On�'Pettod • .
<br /> Th�•imerest.unly p�siod"is the pei�bd fmm ti�e�6�te of ttus Note thmugh �e Note Holder ��
<br /> �'�or the interest-only periad�!lfte�'calculadn�mY �kew�,idterest rate as provide� ubove. .
<br /> wllt then determiae the amou»t'of the montlily pay�ieh2,�ltat would be sufficient to.pay the tnterest whish
<br /> accn�es on thc uapaid prtncfpal of my tban. The result of tWs�alc�ation v1U1 be the new amount of my
<br /> montWy paymeni. .
<br /> 'the "amordrdtlon pr�rtod" is the period after the interest-0nly pet�od. For the amordzauon period,
<br /> al3eF calculatin8 my new uuerest rate as pmvlded above,the Note Iiolder wW ttien determiae the amount
<br /> . , ,. '�p�t�e monthtq,.�ayment that would be sufficlent to repay the uapffid pr�aclpal that I aiu e�ed o0 owe at
<br /> the Change;Ilat�,in full on the Maturity Date at my new intenst rau in substantially equaD paya�ents. 'i7ie
<br /> . ,, ,�SUIt of tlii��Caiaulation wiU be the naw amonnt of my moncbly payment.
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