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$4,-- (~(~1,4~~ (Bj;Asptp~sif Monthly Paymetrs Mq monthly payment will he itt the amount of D.S. $ 552.56 The.Note.-Holder will chat~e my monthly payaeot.ae required by section.4(C) below on the ~intezesc c~an8ellaEe aia on-,that sag ~y-36th month thereafter. Each of these date~.is called a "Pdymenr (~cge Date;" 'the-Note Helder: will also c2aoge.my mthly paymaft on arry Tntereat Change Date if Section 5(B) helaw requires:'ms m: pay the Full Mxthiy Aaoutt. (C) Calwlatian of Monthly Payseat ranges Before each Payment- Change Date, the Nye Holder wLl .cslatlate a nev motrthly payment: sufficiat ~'r~9 ~ ~~ P~i~ helanca an my lout infuil onthe maturi=~y date at the PaymenE Rate in auhstattially equal paymetta. The .'Payment Rate" is the f3~ of the Itdex figiaes en-..the fi.e Interest ~ Daces Ong a Payment a;ange Date Plus -the, current Itdae; divfdad ty the nn6er 6 P~ 3.24 Pere Pow C 3.15f} X), raaded to the nearrot ode~ighth' of ore Per+~~ pots (D-1~)• Except the ~yn~ent rate ~zEll ~t e~i~i I3:99flX: (D) Effective Date of Payment Changes tl<tGil the nmtL Paymetrt Charge Date, I will pay the. amxnt of my m: mthly payteenz -each'-month- he~trning on the first monthly payment date after the Payment Change Date, or Interest Change hate if Sesetion SCB) beltxr requires me m pay the Full xionrhly Amixmt. 5. DNPAZD PRLNGIPAL BALANCE (A) Che:rges in My Ut>paid PricrSPal Balance My monthly payment caild be Less than the aunt of the interest portiotr of the first-.Full. tloMttly Amount I ore ar leas than the interest portion of my first full Monthly Amoutu after: as Iotereat Change Date. If so, the Note Holder will_suhtract the amwsn:.of my monthly payment fr® the aotots~t of {,raLeBC I one and Brill. add the atffnro.vw CO my unpaid prtxtcipai_'haisnee each-'month until the- ne~2 Interest Chsc®e. Date. Tire Note Holder- will also add. 1nteLtPat oa the,aaasK-.of this. diffe[eart to my utgsid principal halmscc each month. FTtrtil the next I>Y:er>'st Ctienge Date: when the- Note Holder ~rnnMnnn mq nmr tmarest tale rm my Chen capaid Principal belanoe, the rate of ifrtereat' ore the lnter®t adders m prixrcipal will he cte rate detenained in Seceioa 2 ahoue. My mmtttly paymen[ ctxtld be ire than the eaor.>t of the Full Monthly Aaotat. If so, the Nate. llaider will suttract the differeme from the ur}rafd pr#triPal Galatrce of rap loazt each-month until the neat Incer~c Charge Date as if I had made a partial prepayment under Section 8 below. (B) Limit can G•r~sid Principal Balmrce; Required Full Monthly Amotmt My xmpaid pritrz=fPal halarece can Haver exceed a maximm sender equal m one hundred twenty-five Percent (i25~ of the principal amdcrt I origina,ilp borroue~d. Zf my Paying the amornt of my monthly Pa}RaenC after any Interest Gttange Date would cause the uttpeid pritripal belatre m exceed that maxlmII ~ aC airy Lime, i must pap frstead ttt Full Monthly A®tmt as my monthly payment until the treat Paymeo[ Dam. 5. CONi±ERSZQN TO FIRED RATE AND PAYMENTS fA) Right m Cnttvert. I have tFre +uFtinn, Prior m eery Payment Charge Date, of cextuetting this loan m a fixed interest rate and fi.a®d anthly Payment Plan as prouided in thfs section, Cnce I have converted my k+en, the irnereat rate and rte regtlar annttsly Paymee~ will remain utrhatrged for the rest of,Ghe term of Cte loan. {B) Rate std Payment after Carxrsion. I.f I elect t4 CAnuert my lcan, then rte. interest rate far the reu+ining term wEll Hoc exceed. tit "Fred- Rate Itderi plus ~i. ~ SD~ment. 'lyre Fixed Rate Irtdeot is the. net yield requirement of Fedarsl tiaticnai 2brtgage A,sao'ic 'atiatt CF:~AM) fur 6f)-day mandatory delivery of new- fixed tart hero as such Fitad^Rate I~t is avatlahie rues the rate gwtatian ~ to in paragraph 5{C)(2) helot is mYdss. The new fizoed rate will be eeffectitie on the. rtmtt PaymaY: ~ Date. The ear fixd payment amom~ will be the antwt wYtich is auffic3e[It to repay the unpaid Principal belazece of mY loan in full Sa aubaCaatially egteal Petymenr'~s !ry the. maturity- date. I wil:i; pny Chia ear fifmd cadent .an the first monthly peysn~C date after the PayaetY GhauBe Date on wittoh T cenvetted. fC) Esetciae of Fi~md Rate Option. (l) Request for Quotation. if I an iteterested in crAVertitg my lcm, wleh to have a fixed race and payment quotexl Co m ~'~t a Pagseir Ct~tge NiKice order secxion 7 Date. I moat ratify itt rate holder, to wriCdzg, that I I moat send this request for quotation after std at ]asst 30 days before the- Payment Change (2) Quotation. lire it receives my request far quotation, the torte holder will send me a entice quoting the firmd rate std Payaero haiug, offered std the convetaion fee chick I wi12 have Go pay. if I decide to i~uvrrt. ire cxsnvetslatt fee will tot mead raet~t of the utpaid principal balaa:e of the tfrn 3Q days b cl~swge"Date. The note hai~send this quotation at least 20 but no more Payaeca: Charge Data. t~) ARr~t3xrg~ L~ot®rc.'iea a~ Cmrverting. If I vderh to a't my Zott aG the faxed rate std payaenG quoted to me, I raver notify the mots holder sf' my see in wclGitag. Suds tyotce must be zeoeived ty ttre rote M1der at least 15 dsy# ia~fnre the Psysa~t ftm~e Dace and mtst Ce a.ead ny rice conversion fee, {4) Raductfaa of Time Periods.. If the Psy~wet t;t~ Nxi~a. is ~ setrt M rte ante holder at least 35 days- before the PArsnc ~ 4te, treat urh tie, pgrtod- stat~,ti shwa shell lae r1aducad by fives days. {Iy) 2laesdnation of :mwenien t~pe3gn. IS the pitsd Fate Ftdex raer m tie shed uc ride awtita ale hp FNFk, or it` fiaXt ever crrsr quoCitg and R,rdrrio6 mnBM~9e lastte ott tlm hrris tr>,. r~fl~;tcx€ bK Cfie Fiji Rate Itadex, thmr this ~5dr~rscaLarr option local] ta¢itrtm aril Chia section fi stall crane to haws arty effacC. lfiowuvwr, it b! Ghat rasa }true Y af~tpei a quotstiat aad.certed d3 hint, such taitafttstitan wlil trot atFe~ct era. ~ '~xrad cute and PsY will, iii thrt ~, rseaits in full forcae std etfe3oC.