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_Zvcj1-2o[�� DO The Index Dominica with We fast Change Date, my interest rate will be based on an Index. The "Index" is the average of interbank offered rates for 1 month U.S. dollar -den arimawd deposits in the Ecodon market ( "LIROW), as published in The Well Street Journal The most recent Index figure available as of the date twenty-five (25) days before each Change Dam is called the "Current Index." If the Index is no longer available, the Note Holder will choose a new Index that is based upon comparable mormntion. The Now Holder will give me notice of this choice. (C) Calculation of Changes Before each Change Date, the Note Holder will calculate my new interest ram by adding One and Eight Hundred Seventy Five /'thousandths percentage paucity) (1.9950 %) to the Current Index. The Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point (0.125 %). Subject in the limit .stand in Section 4(D) below, this rounded amount will be my nave interest rate until the next Change Date. (f) Interest-Only Period. The "intnres000ly period" is the period from the date of this Note through 06,30/2012. For me interest-only period, after calculating my new interest ten as provided above, the Note Mulder will then dctetmine the amount of the monthly paganism that would be sufficient to pay the interest which accrues on the unpaid principal of my loan. The result of this calculation will be the new amount of my monthly payment. (11) Amortization Period. The "amortization period" is the period after the interest -only period. For the amortization period, after calculating my new interest rate as provided above, the Note Holder will then downturn the amount of the monthly payment that would be sufficient to repay the unpaid Principal that 1 am expected to owe at the Change Dale in full on the Maturity Date at my new Interest rate In substantially equal payments. The result of this calculation will be the new amount of my monthly payment. (D) Limits on Interest Rate Changes My innreyt rate will never be greater than 12.000 %. (E) Effective Dale of Changes My new interest rate will become effective or each Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment dam after the Change Date until the amount of my monthly payment changes again. (F) Notice of Changes The Now Holder will deliver or mail to me o notice of any changes in my interest rare and the amount of my monthly payment before the effective date of any change. The notice will include information required by law in be given vie and also the title and telephone number of a person who will answer any question 1 may have regarding the notice. One Month AWjunnnte nnee Weer -Prime First raaazt n :`some 411 cPagel el3)