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<br /> '�61[1.S NitX!'�CO[�P'�'AQVS�PROVISl�15 EilaY.�WDriG Y+Olit CiiANGS5INE MY ID1TF'.it1�ST IR.ATL�AHD lylY
<br /> MAN7'�Q.Y !'AYMBKC.INCtEA.4E3 Lti '�E INC�3lE.4`1'itA'C,6 WILII. RESULT l7�i.�GHENt�'A7�'MlL�"9. _
<br /> DEC3tEA�P'�.F IN'I�i�flPrl7fit�:i"e'1tA:a�B w[we.�ra.?ui�.i,v.ie.a FF,xis,�,q'. ••
<br /> . Ann�'1i�3iaw1,cUV�thNTS. In addiuon ta th� wva� mnd a,grc�►rnu m�e in dtie Scceuity irar�t,
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<br /> IIvr�wcx aod�cnda fu�ttea oova�E�rxt�e a�9'o13�ws:
<br /> A.l�i'E�iFSI'RATE AMl M�Ni'Ifi.Y PAXM�+i�l'f CIIAN�"aFS
<br /> 'll�e Ndc psoviak�far�c► in�ial intacst rote of e.e75 9G.'IUe Nate provides fa cJ�ges �+ Rise
<br /> �ra�and dse u�onthlY Po►Yn►e�t�.a�s folbwa:
<br /> �.dNT'T,FR�S'x'RATE�ND 1V�UN�'H�IaY PA�fN�N'I'�H[IlN:=FS =-
<br /> (A�C��e Dstes `..
<br /> '1Bo ir�rest r�Ye I Mill pay�may change o�n tlse firsi dsy of �� . 9.996 ,a�ed on t�t day .�.
<br /> �y i2� maa►th�Fscb t1�ic oa which my iatsmst rs�tz could cle�g�is calied a"C.hange Da�e."
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<br /> ��IIIN YS FY�{�a/�M�my KIKiiGI���i��W ViIG��`dQ UN/{N�.•lKi�11/!i{iA��. �
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<br /> T�iS 6PS$KLY 'Z#V81tAGB YISLD ON 1JNYTSD $TA'PB5 'RBA.^�Ult?i a.^CCC��CTIB;"s AlA7USTIBD TU A _
<br /> C�TSTAti'P PlF1TURITY �JF 1 YHAR, A9 i�lAnS AVAILAFiLS BY R� F,�SRAL RF6BItV'S BOARD. �
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<br /> 'ilre nnort ta�eot Index C�g,�s av�Lt�ioYS of Wa dnk: � 45 days u "�--
<br /> �ef'aro each ChanBe D�e is caliod she°Carrent In�k�." -:'
<br /> IT:tTme Ia�c is no lo�ga av�i]�Ub.tb�o Nok;�Ya]der will choosa a n�w indea ahat is t�od apon EoeaP�+bk info�oat%on. ���-
<br /> 9��e Nax tioidc,veil�give me aotkx of this ch+oioe. �F=;:
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<br />_ Bst�co ar��ge F�r„she Notc kIa1�r wa71 c�ksu�ate my ncw intcre�r.+c�by edding �..-:;�.
<br />- �ro um � a�wF . [�awge poinus) ( z.soo �>w tt�e eumat tn�+ex. � �y
<br /> 'Ibe���will dxn r�wirx7 tl�o n.�,4t r��ttis adRioan to tfie [�].Nese� 1� loTeaci Hi�t �Neat�iv�est �
<br />- oR►a csicK�a . ( .zzs g�,),
<br />= 4��ih�:ct 10 t!�WnSts��'sa:;�*octit►n 4(D)belnw.thiis roimcleti araotu�t arill be sRp xi�w intarst rat�s until tho next C9�sga .:
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<br /> � 'Che i�►o�F���rSdri wn1D then deic�rmime ttse emaun3 of the montb�ly paymrdt tha¢�rc►i;ld bc suff'�ic�t e�rcpsy�he ua�i
<br />= ix�r.'�l t�t 1 aon ex;,�cd ta rnve at ti�e C�ange Dat�e iu full on tlse anatwriry d�ee at my a�ew inS�c�est rat�in subs�otialty '
<br /> _ ' a�si�po�a�ea�'T't�tt�itr�thia c�l�tion vrdl i�e ttse txw arnaant of my monshIY PaYmmL �:
<br /> : " � (D)�.i�ita ob Interryi s�nc►te Ci�engt� .
<br />° l�use chrck�ppropruue 6r�.r�s;�nn box is clseeak�rl.[ker�wi1.d 6e r.o rrN,�xxi.:nuni hmit on chnnges.)
<br />`;� .. �1)'II►��e wx3l b�nv m�xi�r+um Wnit an int�rNt+aus ctcange�. �
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<br />° t�tc�tf�in�tadst I tuovc ba�piyiag far Qtc pre�icsg puicx7.
<br /> [J�4)1�iy iuetaest i8te�viiD(rave�r be g�,ettx d41[l 11.875 `.b.whi�i5�9:ICd thC°b�in.zimum Ri�.°
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