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<br />200605535 <br /> <br />(B) The Index <br />Beginning with the first Change Date, my interest rate will be based on an Index. The <br />"Index" is: <br />the average of interbank offered rates for six-month U,S, dollar-denominated <br />deposits in the London market ("LIBOR"), as published in the WALL STREET <br />JOUR"Ab,most recent Index figure available as of the date: [j] 45 days D <br />before each Change Date is called the "Current Index." <br />If the Index is no longer available, the Note Holder will choose a new Index that is <br />based upon comparable information. The Note Holder will give me notice of this choice. <br /> <br />(C) Calculation of Changes <br />Before each Change Date, the Note Holder will calculate my new interest rate by <br />adding Six and N i nety-N i ne Hund redths percentage points <br />( 6,9900 %) to the Current Index. The Note Holder will then round the result of <br />this addition to the LXI Nearest D Next Highest D Next Lowest One-E i ghth <br />( 0,125 %).Subject <br />to the limits stated in Section 4(0) below, this rounded amount will be my new interest rate <br />until the next Change Date. <br />The Note Holder will then determine the amount of the monthly payment that would be <br />sufficient to repay the unpaid principal I am expected to owe at the Change Date in full on <br />the maturity date at my new interest rate in substantially equal payments. The result of this <br />calculation will be the new amount of my monthly payment. <br /> <br />D Interest-Only Period <br />The "Interest-only Period" is the period from the date of this Note through <br />N/A . For the interest-only period, after calculating my new interest <br />rate as provided above, the Note Holder will then determine the amount of the monthly <br />payment that would be sufficient to pay the interest which accrues on the unpaid principal of <br />my loan. The result of this calculation will be the new amount of my monthly payment. <br />The "Amortization Period" is the period after the interest-only period. For the <br />amortization period, after calculating my new interest rate as provided above, the Note <br />Holder will then determine the amount of the monthly payment that would be sufficient to <br />repay the unpaid principal that I am expected to owe at the Change Date in full on the <br />Maturity Date at my new interest rate in substantially equal payments. The result of this <br />calculation will be the new amount of my monthly payment. <br /> <br />.-899R (0402) <br />~ <br /> <br />Page 2 of 5 <br /> <br />InitialS~ <br /> <br />Q~C <br />