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8R r .001846 (B) amtmt of Monthly Payments My ®nthly payment will be in rte atetunt of U.S. $ 228.69 The Note Holder will dteree my monthly peyeent as [squired by sectim 4(C) [[slow m the-~bth Irterest ChaoBe Date sad on that day every 36th voKh hereafter. Safi of these dates is called a ' Chazge Date." The Note Holder will also fiage re aottltlY P~ on nay Interest Charge Date if Settioe 5(B) below requires ten to pmy the t1tt1 Monthly AmotmK. (C} (St.~.tnr~ ~ ~p,ly pgyment Charges Heforn each Payment Chmige Date, ttte Note Holder wall calailate a Her oomthly psysett attffiCiazt to repay the ureaid principal lnalanoe ut mq last[ in full m the mtwYty date at the Payment Rvtte in auhstantially equal Payments. 'Rte .'PayaeR Rate., i$ rte ~ of the IMett figuees ae rte flue IRerest Citerge Dares pceoeeditg a Payment Charge Dare plus the Curt+ettt Indat, divided by tht Debar 6 P~ Pert~ectagR points C 3.150X) , tootled to thg nearest ore-ei~tth ~ nee petraKage- poicrc (0.125X}. t the payment rate will rot etmxed 13.990X. (D) Effective Dete of Payment Clmtges Until the nemt Paysen[ Cten®e Date, I will pay the amannt ~ mY oar moathlq pmymett esth mDt[h. heglmicg an the first monthly payment date after the Payment Charge Dare, or Irnerst Cltettee'Dste if section 5(B) below regtdtrs me m pay the Pull Monthly Atntnstt. 5. UNPAID PRINCIPAL BALANCE (A) (xerees in tiY Japafd Principal Balance `ty' monthly payment could be less tten the atexant of the interest portion oaf Che flout- Pull tiontttly Aeotant I sae or lie [tent the imreat portion of my first full MoRttly Atsoupt sates m- Inn[erest Chmnge Date. If so, rte Note Holder will suLtraet the awtt of of vme6hly pmy~nt fats-t>tit amonmK of interest I one a~ vill add the differevoe Co mf unpaid pdncipml tttLrrOe esdt`tiiontlt~ultti,I. the [rant Inters[ Chege Date. Tte Nate tblder will also add iaGerst ae the atemfiC° of tLdl diffenlnoe to my unpaid principal ttela<tae each month. Dahl the neat Ir~teemmt Chetem Dote tthilo tL! Note Holder detentndns mY net inters[ tare as R then ugtaid Principal bttlattoe, the rta0e of`ietenst on rte inters[ added to principal will be rte rate detenteinted in Section 2 abpse. in' ~lY Pa9met+t could be sore then the atsotmt of rte Fu11 Monthly Atmttmt. If eo, the Nate Holder will suttracc tM diffetaoe fr® rte ur4taid principal tslanoe of my lost end[ match umtil tle next Inters[ Ctatge Dace as if I [tad made a partial prepayment under SectiMt 8 [slow. (B) Ludt on Unpaid Principal Balanre; Required tltll Monritly Amaat pence rc (125X) opal [slants can never emceed a matdmta amtmt equal co one ttu<tered ewtmtty-five 175X) Principal amour[[ l originally ttorrw¢d. If my paying the ascot of my ninthly payment after amrn Interest Ctmtge Date mould cause rte utpaid prinrlPal tnalanae to eamtemd lien[[ aodsa amotmt ac any tine, I oust pay instead tle Full Monthly Attonmt eo my mmmthty pgry~et.-vet [te naR Payast Grange Date. 6. CONVERSION TO FI%ID RATE AND PAYMENTS CA} Riga[ m Catniert. T have the oPt:iDn, prior co arty Paymett Charge Date. of coavertug this lam to a fired' irtereet rate sad fisted monthly payment Plan as provided in this section. (rocs I [sore caeverted my loan, the int[eresc rate and the regular matthiq payment vtll resin undtateed for ttte tst of tle term of the Iaen. {B) Rate and Payveex after Gawerai~. If I elect to raevert my loan, tt~ rte interest rate for the remataiag tern will, tent etmtesd rte 'Fitsaid Rate Ltdett" plus O •) SO Tte Fitmd Rate Itdat is the oar yield raqutt~r af: Federal NatinnsT Pbrt~e Assn at~3~ ~(Fl+l~!-j for 60^dsy cardaooty delivery of nos field ra0e low=_tls~ suds Flned Rate Iniat is available when rte Hate quotation referred to in pmraReapit 6(C)(2) heltfr is made. 'fie Her fiord rate will be effective an rte Hatt Paynest Cures Date. Then per fired pq~mtt amour[ will be the ammo[ rfttfi is sufficient to repay the unpaid prirtcipd [a]ntes of opt: ]tMlp in full is suEm[m[ielly apuml pvymetta by the maturity drte. T will pay this rw fired esetmtt tegimiog on the fitac aonthly pymtmt date after rte Payeenc Cteagp Date on vltich T coteerttl. (C} Eterciee of Fated Ra[e Option. (1} Request for Quotation. If I a• IMprsted in camlertire my loan, I muss tYltify rte rote [older, is writing. that I wish [o have a fired rate std psymenc quoted Co me. I must seed this request for quotation after reoeivLg a PaysR Change Notice under section 7 and at lease 30 days before the Pay~t Ctenpe Date. {2) Quotation. then 1t receives my request for quotation, the Hate holder will setd me a notice quoting the f1~ cafe std payment heitg offered afi rte canersion fee ':1tifi I will gave to pry if I decide m convert. Tine romeaion fce will [nt eased x roan[ of rte unpaid principal [n]once of the loon m rte Payment Qmat®e Date. Tte rote holder moll] lead ttus quotation at least 20 tut m ®re thso 30 dtrya before the Payarnt Charge Date. {3} Aocepiirg Quotation and Converting. If I wish m convert my loan at: the fitted rate and payvettt quoted to me, I must notify tM rote molder of my acceptaaoe is uniting. Sufi rotlce gust he received try the note holder at least is days tefora rte Payrent Ctstg~e Dace and must ~ acecaFeoted by rte canaeration foe. (4} Radttction of Tine Periods. if rte Payed CAvpe Notice is rat sent try rte rote holder at least 35 days [[afore the Payment Chem Date, then eafi rive pn¢rlad atatiad shove atrll ba reduosd try five days. (D} 'farmllrvttion of Caavantiwt Option. if rte Fired Rate rode[[ ever oersea to he pntbliahmd or mods available try FNlM, ar if FNtM ever ttilmtleie quntitg std putdtsaitg mDrtgaHe learnt an rte taxis nw reflected by the Piaad Rate index, than Lhttt caarnera:on option shmll teteitete and this section 5 stall rxttae to have arty affect. tknw.~r, ii td that Liam l bane airescty accepted a quatatiion attd roxrudKed my iron, snob tettdsittion will not afi'ect ae. tb ~lasd rate std payaett vii1, in tkai €~su¢ , cesLt ,a full fora: acd ?ffect.