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I 84 ~02826 (B) /mJunt of Monthly payuents My nnnthly fllyDEnt will re in the annmt of U.S. $ 428.10 ,The Note Holder will ~ my monthly payment as required by Section 4(C) below on the 6th Interest 01ange Date ani on that day fNety 36th IIIlOth thereafter. Each of these dates ie called a "Paynent Cha~ Date." The Note Holder will also chllnge my mnthly payment on any L"1terest Change Date if SectIon 5(B) below requires me to pay the Full It:Inthly Aanmt. (C) Calculation of Mcmthly Payment Changes Before each PayDEnt Change Date, the Note Holder will calculate a new IIOtIthly payment suffl.clerL to repay the unpeid principal balance on my lo9n in full on the ...turity date at the Paynent Rate in substantially equal payments. The'1'ayment Rate" is the SlID of the Imex figures on the five Interest 01ange Dates preceeding a Paynent 01ange Date plus the Current Index, divided by thetUlll:ier 6 plus 1 1 5~ percentage points ( 3 . 150 %), mnIed to the nearest o~th of one perrenta!lE' point 0,125%). Except the payment mte willmt exceed 13.990%. (D) Effective Date of Payment O1anges Until the next Payment Change Date, I will pay the aDDUnt of my new IIOtIthly paymenteaclt aorc:h beginning on the first llDtIthly payment date after the Payment Change Date, or Interest alan~"EfDateif Section 5(B) reJ.ow requires me to pay the Full Monthly Aanmt. 5. UNPAID PRINCIPAL BALANCE (A) Changes in My Unpaid Principal Balan:.e , My IIOtIthly payment coold 00 less ilim the aIIDUI1t of the interest portion of'the fmt;FUll lb1th1y AnlJunt I owe or less Lnan the interest portion of my fimt full ~Y,~~)'Ub Interest Change Date. If so, the Note Holder will subtract the alIDJIltOfmy'\II:lIlth1.y~",'. aIIIUIt of interest I owe ani will add the diffeft!nl:e to myUllpllid principalbWmceeacb;iIi:lIII:It~' the next: Interest Change Date. The Noee Holder will also add inteteeton.;tbeyailcuDt;;; Of:;". . difference to my unpaid prlnclpal balance each DDnth. Until the tIel<i: I_t a~.~~i;;t,ji... Note Holder detem1nes my new interest rate on my then ~ prindpal balance, therateOf;~lIBt' on the inte.."eat aided to pr'...Id.pal will 00 tIE Illte detetmined in Secdon 2 abaIle. . . My lIIll1thly payment could 00 lIDte than the BIIIUIt of the Full Moathly Aault. Ifao;;.tIJe~." Holder will subtract the differen:e fran the unpaid principal balarre of my loan each IIOtIth \IIItil:tl1e,.. next Interes t Change Date as if I had 1IIIlIe a ,..nial prepaynent \DIer Section 8 below. ' (B) Limit on Unpaid Principal Balance; Rstuired Full Moathly AnDmt My unpaid principal balarK:e can never exceed a maxi.nun aDIJUIIt equal to one ;1UIldred tweIII:)"'"fi'ile. percent (1257.) of the principal aDIJUIIt I originally borrowed. If my paying the adIlUnt.of m,t1illlltbly payment after any Interest Change Date ww.ld cause the unpaid prin::ipal balam:e to exceedtlBt 1lIIXiDuD adIlUnt at any time. I lllISt pay ilEtead the Full Moathly AnDmt as my DDDthly payIII!lIt'UICi:l the 00l<t PayaMmt Chan&e Date. 6. CONVERSION TO FIXED RATE AND PAYMENTS (A) Right to ConveIt, I have the option, prior to any Paynent Change Date, of converting this lOi\ll\ to a f~ interest rate ani fiJ<ed oonthly ~t plan as provided in this section. Once I hav!l".,~ll!i'i"#I)'c lo9n, the interest rate ani the regular oonthly payment will remain un<:I1aIlled for t.he"~t;:of:.."the,,. term of the loan. (B) Rate ani ~ after Conversion. If I elect to COOIlert my loan, then the interest rate for the r~ t~D!lwJ.l;l'llQC ~~~r: ~;::~;~) fo~~ m::~~de1i~of~ such FiJaed Rate Index is available 1iilbm the rate quotation referred to in parag.:'aI/Il 1Ilide. The new fiJlEd rate will be effective on too next Payment Change Dat!!. The! adIlUnt will 00 the SDDlltt ..nich is 91fficlenl: to repay the tqlBid priIlc1pal ~]7"''''\qf: full in Sl!b&t<niaUy equal pa}'llli'l't:s by the DBturity date. I will pay, th\:!!1lllII;,f beginning on the first DDnthly pllyment date after the Payment ChIqp! Date on .tddl I ~fui4; (C) E>aercise of FiJaed Rate Option. (1) Re:iuest for ~ation. If I am interested in converting my loan, I 1IlISt notify the note !-older ,in writiqJ,thBt I wish to have a fixEd rate ani payment quoted to me. I 1IlISt send this request for qUCJtatioll after receiving a PS)'IIEnt Change Notice unler section 7 ani at least 30 days before' the Payment CIvijie. Date, (2) ~ion. \oIEn it receives my request for quotation, the note !-older will send me a notice qooting the fixEd rate ani payment being offered ani the coIl\'emion fee ..nich I will have to pay if I decide to coovert. The COl1V'ersion fee will rot exceed 2....llillLJ"'rcent of the unpaid prin::ipal balarce of the loan on the Pa)'llent 01ange Date. The note !-olderWITI sem this quotation at least 20 wt no IIm:e ilim 30 days before the PS)'IIEnt Change Date, (3) I\ccepI:iJll ~tion and CoIl\'erting, If I wish to """""It my loan at the fixed rate ani payment qooted to me, I 1IlISt ootify the note 00lder of my acceptance in writing. Such notice IIllSt 00 received by the note Inlder at least 15 days before the Payment Change Date ani 1IlISt 00 accaupatrl.ed by the conversion fee. (4) Reduction of Tine Periods. If the Payment Change Notice is not sent by the note holder at least 35 days before the P~ Change Date. the" each time period sta.ted above si'all 00 reduced by fi "" days, (P) TerDli.nation of Conversion Option. If the Fila!d Rate lmex ever ceases to 00 published or mde available by r~. or if ~ ever ceases quoting ani purcl>asi~ 1JI)rtga&e loons on the basis lIC>oI ref:t.acted by the FLu Rate Index, then thIs COO\le.r$ion option shall tetlllinate ard this sect ion 6 shall ceaIle to haw any ef feet. However, if by that time~ I haw alrea:1y accepted a quotatlon ani COtI\lerted my loon, such tenuination will not affect me, My rUed rate ani payment will, in that event, ceIlI3.1n in full form ani effect,