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84---~ ~(~ z ~ ~ ~ ~y Payser,ca xv aoathly pnrsecc will he in the ~c>nt of U.S. g •'-29.ho *he *'ate 9claer vial 3a-rq~ ry soathlp payroat ar tegettred b9 Seaim 4(C) helaw m Ue~Iaterest Chgge lhte sad an that d~ ~ a~Lo~d ~ ~ronth~li newt ~ ~Inte~resc Q~i~~e u~e~sccti~~on~ B) helov t~agtd~m~ pry the P1til tbesltiy dsotss. Hare erh Payroes~ ~Cttr~pe Date, Notthe~e tblder w111 ral~silate a aeo saathl m ropey the us¢id principal talaoae m say lm in full an cis srtauity date atytleePayrots~Rate inis enhstrsially equal payusata. Itte "Payront Rate.. io rte sro of the Iadr~c figures oa rte fine Tarerest Chroge Dates prsaeedisg a Paydcs C1raro Date plus the C~a-emt Isd®t, divided by the Haber 6 plus 3.150 peroeetage points ( 3.15(3 X) taesded [o de nearest ooe•eigltth of ale petaeceage~:12'SX). Fxxu[ept the ~avmerct rate will rot e~eed 1?.490X. {D) Effexxive Date of Papeent Cistcges Until the cast Payaat Grange Date, I will pry the arotsu of sY crew ®tthly psyasaat esrh aonth begl.cnieg on the first ronchly paysont date after tM Payaess (2vQge Date, or Interest Change Date if Section 5(B} tela+ requird ro to pay ~e Full Wathly Arosnt. 5. UNPAID PRINCIPAL BALANCE (A) Change is -"iY Unpaid Principal Balaaoe Ky eaachly paysas could 6e leas then tie anent of tie interest portion of the first P1t11 tibnntly Arors[ I aro ~ less rhea tt+e interest portion of sy first full Mashlp Aron after an 7nterast Creases Date. If so, rte Nxe Holder will suberacL the erouot of ay roethly psysso[ ftc~,tbs asauR of iR~.sst I are and will add the differeetce to sy unpaid principal 6drlee earls ash usEil the nos Interest Cies~ Date. Ire Note holder will aLo add iaperast on rte aroate of tMs diffecmoe to ry aP~ P~PU lstlaaoe reds moth. Until the nea¢ Iaeerest ~ DRte dent the Noe Holes: decersttse ap ad intetrot tape m ry chm ueepsid principal haLsem, ter race of isleerrot on the iaterast added to principal will lie the rate date+~+++~ 1n Section 2 oboes: M! mod,ly P~ could 6e m ttra tie asnrot ~ tte Full. tioathly Arotnt. If ro, tts Note Holder will stthttact tie difference fra• rte us>psid principal 6alanoe of sl loan each sash until ere cyst Ltetersst Cha[ge Dsts as if 1 had rode a partial pca~syass order Section 8 belay. (B) Lisdt on Os~aid Principal Ba7aooe; Requited Full ttoathly Arount Hy P~p•1 talatcce ran never snored a ro~sa stator egcrl to sae hadt'ad titnty-f3va percent t 125X) of the psicu:ipal arocsu I originally 6ocrwad. If my paying Ctfe alCCat of eJ ~Liy payaet after airy Interest Ctrnge Date vauld crone rife upaid principal holster to eased that tdaa arotnt at any tile, I roar pay fsstesd the F1t11 lbKhly Asass d ry rodhlY Pfd ~~ rte Hutt Pay~t Cterpt Date. e. CONVERSION T'0 FIXED RATE AND PAYMENTS (A) R19~ m Cmvett. I true rte option, prior to airy Payroet Change Dste, of cnneertiteg this loan to a ffad interest rate and fired mhlY P~ Plan as provided in this section. tonne I ttasa aoassrtad.4 la,tt, tie interest care aced tte regtlar s>tsitly payaent will rain uodnosed far rte test of rte Gets of thn loan. fB) Rape aed Paydts after Catnetsion. If I elect to omrert 1~ then tts itserst care for the rassWtlR [m Brill stet etttssd the '1~Yrod Rote IndQ" plus ~ p~stoenR. 'Rs Find Ante Inds: is the net yield regy#~sAR d, Federal Natiaaal tbctl~ Assn {P!!tY-) for 60•dap sadatot7r dslivay aE ttr fiRad ~r Icras: -at suds !Trod Rate Indst L available Hten the tttte quotation rafsrtad to in peea~saph bE~)(2) briar is rods. lie nro fined gate will 6e efftrxiw on the nets Palters Chst'e Daea. Ifs der fiad.pt~itet arotatt adll he ter arotK skids L ssffitlas to rep~r rte unpaid peindpsl halm- of tt~ Ian. id full is eubataatially equal pryssucs by rte rofauity date. I will pay ttda ar find rotor 6egitrdrg m ttr first amthly prysets date after the Payrots Cba~ Date ae ddeir I aootsttsi. tC) Etereiae of Find Rate Option. (1) Asgerst for Quotation. Zf I s iaterrotsd in aame:tit~ sl laid, I sat tncify the note httldsr, In eattt:itY. true I risk tp lrvs a fi>td sate and psyrots quoted ce ro. I cost satdd thin tsgesst foe quotation after nosivit>s a Payees Chsge Notice ender section 7 and at bast 30 drys brfore the Pa}root Ctra~e Date. (2) Qtaoeatioa. Lien it rayeivs ry regtast for quotation, the crate Inkier vi11 Bead ro a renters quttitt; tls filed rate and payrots teit>6 offered and the convetsioe fee >,ieide I will have to pry if I decide to oonvart. 'lie oossesfon fce yell not easssd 2.t>Ofl coett of the ugrid prisrlpal tslatate of tht Ind an t3te Psryroat Chte~ Date. Ire tote tnlder wIIl sand this quotation at least 20 but ro rose tted 3D days beFere thr Payssot Chr,se Dots. (l) Ameptitt; Quotatim sad Cauvett>.tq. 11 I wish to amrset ry lad ac rife fired rate and paydot quoted to ro, I set ratify tts amps ts3dser of say in Y" titcg. ^_+stdc online sat be znoei;sd by ttr na[e taviear at iasst l5 dqs before rte Paprots ChroRc Date asd art 6e acoospsolad by the oootmion fns. {~) Rsisatlos a# 1ta Periods, If tie Pmts Ctarye Notice !s rat scot ~ the cote holder st least 35 days tsfote tts lStdtars Chsgs Hats, the srdt daa period stated sbow nball 6r taiaood b! &w drys. ()~ 'ttAlp~atirat ~ CrarsAian Optics. I[ ~! !1>•i tees Tttdr[ rtirr assare to is peabllalsd or sods arsi]abL try PtlN, ar if Etll1 ever assure getotit~ asd psednsts!g toR,/ra leans os tbs hsaia nor rsfleatad by cis Fined Arse Itdist: ties thfar exserwiost taPtlos etell trrstttete asd etde ssedon ti shell crass to htae atq effect. Haaveet, it by tbat fire i terra altstdp accayted a thtoeatitw, alt ooewrsrtad sty Inn, wds tenddatian wlll not aftsN ro. !~ ~it.d tuts sad payrots will, in U+ac rests., rarrin in roll f+orcn are cffext.