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200603057 (C) Interest Rate Limit My interest rate will never be greater than 9.9500 %. Beginning with the first Interest Rate Change Date, my interest rate will never be lower than the Margin. (D) Index Beginning with the first Interest Rate Change Date, my adjustable interest rate will be based on an Index. The "Index" is the "Twelve -Month Average" of the annual yields on actively traded United States Treasury Securities adjusted to a constant maturity of one year as published by the Federal Reserve Board in the Federal Reserve Statistical Release entitled "Selected Interest Rates (h. 15)" (the "Monthly Yields "). The Twelve Month Average is determined by adding together the Monthly Yields for the most recently available twelve months and dividing by 12. The most recent Index figure available as of the date 15 days before each Interest Rate Change Date 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 information. The Note Holder will give me notice of this choice. (E) Calculation of Interest Rate Changes Before each Interest Rate Change Date, the Note Holder will calculate my new interest rate by adding THREE AND THREE HUNDRED TWENTY FIVE THOUSANDTHS percentage point(s) ( 3.3250 %) to the Current Index subject to the limit stated in Section 2(C) above. The Note Holder will then round the result of this addition to the nearest one- eighth of one percentage point (0.125 %). This rounded amount will be my new interest rate until the next Interest Rate Change Date. 3. PAYMENTS (A) Time and Place of Payments I will pay principal and interest by making a payment every month. I will make my monthly payments on the first day of each month beginning on MAY IST, 2006 . I will make these payments every month until I have paid all the principal and interest and any other charges described below that 1 may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. If, on APRIL 1ST, 2036 , I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the "Maturity Date." I will make my monthly payments at 27725 STANSBURY BLVD, SUITE 375, FARMINGTON HILLS, MI 48334 or at a different place if required by the Note Holder. (B) Amount of My Initial Monthly Payments Each of my initial monthly payments will be in the amount of U.S. $ 929.64 This amount may change. (C) Payment Change Dates My monthly payment may change as required by Section 3(D) below beginning on the first day of MAY, 2007 , and on that day every 12th month thereafter. Each of these dates is called a "Payment Change Date." My monthly payment also will change at any time Section 3(F) or 3(G) below requires me to pay a different monthly payment. Initials: 7754035 (0402) Al Page 2 of 5 Form 3184 1/01 MFCDO262 (09/2005) / 042 - 727259 -5 fA_J