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<br />84 -- . 002280 '
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<br />(8) MIlunt of Mordll y Payoerc;s
<br />My IlDnthly lJlYIII!IE w1ll be in the lDllJltt of U.S. $ 1.17. I I ,The Note Holder will c:haIw!
<br />"" lIIllnthly pIl)W!Dt as required by Section 4(C) below on the 6th Interest a-. Date and on that day
<br />every 36th IIIXlth thereafter. Each of the!Ie dates is called a ''PayRnt ~ Date." The Note Holder
<br />wUl al80 ch8I1Ie my lDChl.y ~ on any Itbrest a..,. Date if Sec:t1on 5(8) below requl.lw .. to
<br />pay the Full!tlath1y"':
<br />
<br />r,:' ]
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<br />(C) ("...1....1..~1"" of !tlath1y P~ 0IIqJea j,
<br />lII!fore -=h P8)JEIIt a-. Date. the NoI:e HDlder will cala1late a ... lKtthly ~ ..tflc1eat
<br />to .....,. the l8lpa1d pr1nd.pa1 baIaoce on my lam in full on the ..turtty cIate at the ~ lIKe in
<br />..w.~1ally eq\Ill ~s. The'~ Rate" is tm .. of the Index figuI:8 011 the ftw
<br />lIUn!at a-. Dat... preceed1ng a P~ 0l8qII! Ilate pluI the Cum!!IIt InlIBr. divided by the IIIIDr
<br />6 pldl " '" per-c<tt. points ( J . 1 :. 0 %). ra.nIed to the l18Ihat onre1Ptb of one
<br />pe~ ~ (0.125%). r-),'('(Tt trI(o' !1r1\'f"\."'nt mtf' wi]] not exctX'fi 13.C)~O%.
<br />(D) Effective Date of Pa)IIII!Ilt 01ang0s
<br />lttil the next: P~ a.ruw. Date, I will pay the lDllJltt of my ... lIIXlthl.y ~ -=h 1Illl1th
<br />begi~ on the first lIlDnthly pIIlIlIIeIIt date after the PayEnt a..,.. Date, or Itbrest a..,. Date if
<br />Sect.inn 5(8) be.low requires lII! to !BY the Full MorLhly AaIlunt.
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<br />5. UNPAID PRINCIPAL BALANCE
<br />(A) a...,. in My tqla1d Prinl:iJal IlaWI:e
<br />My IIIXlthl Y ~ cou.ld be less tl'8n the <alUIlt of the interwt pottjaD of the fint Fld1
<br />lb1thly"'" I ~ or less than the i_est portion of my fint full lbdIl.y..... after..
<br />Intenat a-. Date. If 90. the NoI:e Holder will subtract the __ of....cbly..,... ma",tha
<br />--- of J.Jcen.t I ~ and wUl add the difference to .. l8lpa1d ~ taJaace .......... tIIIiil.
<br />the nat Intenat a-. Date. The !late HDlder will aIm add interest 011 the _ of tIU:
<br />difference to my l8lpa1d pdncipal balaace eKh 1IItth. UIt1l the nat ~ a-.. DIte..... the
<br />Nate HDlder ..cemu.. my ... interl!8t rate on my then tqlB.id pr1ncipal balmae, the rata of ~
<br />on the interwt added to pr1nc::I.pal will be the rate ..temInlIt in Sect:lon 2 -.-.
<br />
<br />My.-:hly ~ cau1d be 1II>n! th8n the __ of the Full lbdIl.y...... If 80, tha Nate.
<br />HDlder will sullttact the diffel'l!llle tt<a the tqlB.id princ1pal balata of my lam -=h 1Illl1th dItU the
<br />next Interest a-. Date as if I had .... a plttial ~~.. ....r Sect1Dn 8 belClll.
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<br />(8) L1lII1t on Unpa1d !'r1.ncipIl 1laWI:e; IU1quUed Full MorLhly AID<<
<br />My ~ principal !BlaIn! can .......,r exceed a lIIIXiRa .-.mt eq18l to one Iundred ~w
<br />percent (125%) of the principal JIIIUIt I originally to~. If my paytQg the ___ of my ..a:bly
<br />IB~ after any !ntenoet CharlIe Date wwld C3lIIle tre uqaid princ1pal laI.aoce to ;m:eel that
<br />1IDIaa -..:It at any tilE, 1 _t pay i..ce.I the Full MorLhly .... ... my IDItbl,y ~ lIICJl.
<br />the next: P~ a-. Date.
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<br />6. CONVERSION TO FIXED RATE AND P....YMENTS
<br />(A) Rig;lt to Convert,
<br />I have tbe opUon, prior to any PayaI!m 0lIIIlle [)ate, of corM!rtq this llBl to a fn.!
<br />interest rate an:! fUa:l !lDd:hly ~ plan as provided in this sett:lon. <nle I Mw ~..
<br />lam. the internst rate and tb. ~ llDIlthly l'fIYIEIlt will r..un ~ for tt.! _ of tilt
<br />tem of the 1081l,
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<br />(8) Rate ani Payl8C after Ccavers.inn,
<br />If I elect to CCIDIIert .. l.oBn, then the interwt rata for the ~ tela vlll oat __
<br />the '1'1JBI Rate Index" pluI ~ , -, , . The F1JBI Rate Index 18 tIa oat yield ~ of
<br />Federal Nat10nal HDrtlJllDO ~ for 6O-day __tory dellvuy of -. n-I rata ~..
<br />SUl:h Ft.d Rate I.... is awi.lable ...... the rate qUDtation referred to in ~ 6(C)(2) balGf 18
<br />..... The... f1JBl rate will be effecti"" on the .- Pa,.nt 0.,. Date. The -. fn.! .....
<br />-...t will t.! the ___ ..u.dl is aofficie~ to .....,. the Iq.id pdD:ipa1 ~ of ., 1l*l in
<br />full in ..w.tIm:l.ally eq\Ill pa,..c.a by the ..o.rlty date. I will ~ this ... n-I _
<br />~ 011 the first IIIXlthly pa,..c dste after the ~ a-. Date on tilW:h I ~.
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<br />(C) Eluciae of FiB Kal;e OpUm.
<br />(1) lBl...t for ~.
<br />If I _ int.erwted in COlM!ttu. "" 1<&1, I _t notify the note holder. in writiQg, tat I
<br />wish to haw a fi:lBl rate and ~ quoted to lII!, I _t send this .........t for quatat:lon after
<br />receiviJ1l a ~ 0lIIIlle Notice IDler settion 7 and at least 30 days before the ~ 0l8qII!
<br />Il8te .
<br />(2)~.
<br />.....n it recei__ lIlY req\M5t for qwtatJon. the note Ixllder will send lII! a notice quotu.
<br />the fi>BI rate an:! payllODt baiI1l offered an:! tb. COf\\ll!tsion fee ;,bich I will haw to pay if I dec1de
<br />to OOINl!rt. The COIMlll!lion fee will not ....::eed ~roe'-: of the ~ princ1pal balan:e of the
<br />10c on the P..,.,ot 0lIIIlle Due, The note Inldei WIll send this qoot.ation at leaat 20 bJt m IIDre
<br />tlw1 30 days before the ~ Clwwe 1l8te.
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<br />(3) ~ ~ an:! ComoertiQg.
<br />If I wish to OOINl!rt lIlY lam at the f1JBl rate and paJ"Elll: qwted to IIE!. I _t ootify the
<br />note \Qlder of .. acceptlD:e in writiI1l' Such notice _t be receiWlli by the note Inlder at re.t 15
<br />.. before tt'e p~ a.. [)ate ani _t be ":Cli~nied by the CIJOWraion fee.
<br />
<br />( 4) a.b:tiOI1 of n.. Periods.
<br />If tIa P~ a.we NoI:.Ice is not _ by the note tolder at leaat 35 days before the
<br />P.,.. a-. 1l8te. tlwm ..:h u.. pet10d stated allow sla.l.l be reduced by ft "" day&.
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<br />(D) 1'8nIU1ation of Canuenicn Option.
<br />If tIa Ft.d Rate lnia _r ~ to be publist.! or .... ava1labJ.! by l<lft\. or if fl8.....r
<br />~ ~ anI~.. ~ 1.... on the la8ia now reflected by tho F:.-I Rate lndex, ttml
<br />tha ~ aptian oIalJ t.eadnate and this ..:tlDn 6 sI1U1 c.- to tBve any effect, I__r.
<br />11 by tt.t tia. ! haw au-ly accepted a quot.atJon ani conw<ted lIlY IClll!. """" tel1llil1lltion .'i.!l not.
<br />atf.ect _. My f.ilMl ra~ and pa~ will. In t.lat "-11:, r-u, In full to",", Illli d teet,
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