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'j. .' ,_.,~]$~005933 (R). , ., titthly P8JIIlIl!lIts ~ tIDllthly PflYlIIlD1: will l:e in the aIIIJlIDt of U.S. $ ld4 .51 . The Note Holder will ~ my llD1thl.y plIJ1lIlIlrll: as requtn;d by Section 4((;) belaw'on t:he 6th Interest Ch;mgeDat..an1m~ day every 35th Ilalth thereafter. Eacli of t."ese dates is called a "Paymen!: OlangeIli1te." The Note~lder- wUJ. alsO d1aQ8e-~ nonthly ~ un m1:Y ~ C:-.u~ ~-if ~--5(::}-~---~.:L.~-:_~-'~'~ P&.Y the Full K:tthly Amount:. - (C) l'.s<l('l,l_ri<Yl of Honthly Paymenr Cha:n8es Before each P&}JlIE!Dt Change Date, the Note Ii>lder will calculate alJlllllllDllthly~suffitC:f_ to repay tbel.lDpllid pr1nclpal bdance on my lain' in full 011 thematurtry date at the'PayillmrRilte:i1i ~h_i ,,11y 'lqVl'1 J"'YIll"Dts. The ~ Rate" is tiE _ of the :miexc figures ont.,"=,. ~ Interest ChaD&e DatES preceed1ng a payment Change Date plus the CurrentItldelt. d1v.t.deltb.1:.~: 6 plns 1 1 srI percentage points ( 3,150 %). ra.mded to the nearESt ~ofcoPe" perrentage point to.12S%). c.J<C";:.lt tr.", p.3j'WCnt rate will rot exceed 13.990%. (D) Effective Date of Paymeot 01anges 1,"11 i.:~ Ile.Xt Pa.}'Il'eDt Cnange !late. I will pay tiE 3I1DUfIt of my new lIDnthlyplYllB1teach~; begi~ on the first m:mthly pa)'lImlt: date after t.~ Paymnt Change Date, or Intere!st:~ililteif. Section 5(B) bel.cM ra:}uiree ~ to pay t:he Full Monthly JIDoont. . 5. UNPAID PRINCIPAL BALANCE (A) Changes in My Unpaid Principal lla.lance My 1lDIlthly ~ (.rijld 1- ,-- ..~ "'~_311D.-ff't'" nF fr~ i_nr~~~ ~inn'__nr',:-r~::-fin;'f,-FU11;::~ K:m1:h1y Amaunt: lOiOli! or less ~ ~-i~~ pottfun--"'-::Y U;tfuii.-~;~mi._lJU'. Interest Change Date. If so, t:l1e Note.!lolder ..1.11. sul:il::"',l. ,~ alIIJlIIltcf"';'llI;lOtbly~;.~;" ....,.- of {"'4'"r-est I (Mt and will add iliA diffenn""" '., 'l{f I.ll:lpI.W 'pWlc:4&l. ~each'1lDlid1c the rex!: Interest Chat1ge Da::a. 1'be t~ fblder......J. also add :1nter.iston'~'~'of' difference to my uopBid prinrip>l balance each nrmth. Until the next IaterEStOlange;~.~,tbe. Note Hold3r deceIlll1nes my ~ interest rate on my then t.qlIIid prtncipai ba.lam:e,therataof~t on the interes t aided to principal will be t:he rate deteml.nlirl in Section 2' al:w:Me. My 1lD1th1y plyIDE!nt could be mre t.'vm the 8llIllInt of the Full M:mtbly AlDDt. !f..sa,' . tbeNQte. Holder will subttacl: tiE differea:e fran the t.qlIIid prin::ipalbaJ.atre of myloaneach:uxmth \lIIt1.l;; the next Interest 0lall3e Date as if I had made a partial ~ UDder Section 8 belO11, (8) Umit on tlqlsid Principa1llaJ.am:e; Required Full Monthly ADwnt My Ul1Daid princtpa1 l:WaJxe can ne\ler excee:I a maxilllJlll aIIIlUIIt equal to one luIdredt:wnt:y-f1w percent (115%) of tiE principal aaa;JUnl: I originally borrowed. If my paying the aIIIlUl1t of my lIDDtbly IU)'IlIelll: after any Inrerest Olaql,e Date would cause tre uqJa.id prin::ipal ba.laa::e to exr.eed' that llIIldm.m aIIIlUl1t at;my time, I lllI8t pay imtead the Full !tmth1y lmDuot as my IlIXItbly~unt:l.l the 00ltt Payment Change llate. 6. CONVERSION TO FIXED RATE AND PAYMENTS (A) Right to Convert. I have tiE option, prior to any Pa:ymmt Change Date. of converting this loan to a E1.md interest tate and fLmi llDnthly pa)llllent plan as provided in this section. Once I have.COll'.le:rtedmy loan, the i.."lterest rate a."li tOO r~ nnnthly ~ will raJB1n ~ for tl'e' rest -of--tt;a term of tiE loon. - - (B) Bate aai Payment af ter CJnversion. If I elect to cotMUt my loan, then tiE 1ntetest rate for tre r~ terandU net sceed tr. ~ Rate IOOex" plus ~~ '!he Fbzd Rata Ind=t i~_ the- n;:t' T~- requit~_ -of- Federal Natiooal Mort~ ~ at..tm (!'TN\.) for 6O-tlay ilIlIRlatory delivery of tll!If filled rata .loant 88. such F1lGld Rate lmex is avai.lahlt: <4len the rate quotation referred to in paragraph 6(C)(2) belDW is 1lIIde. The tleil fila:ld rate will be effect:ive OIl tiE next Pa".nt Chat1ge Date. The1lli!W filIedJl8Ylll!lOl; aIIIlUl1t will be t."e aIIWDt Wch is wfficient to repay the UtlplIid prlnclpal ~ ofll\'f lce.nin full in subatalltiaUy equal paymelU by tiE 1IIlbJrity data. I will pay this 1lIi!W fbted aIIIlUl1t ~ on the first tIDlltbly plyment date after the Payment Change Date on W:W:h I cotMUted. (C) EJerclse of F1:lled Rate Option. (1) Request fur ~ation. If I am 1ntetested in c.orMltt~ my loan, I lllI8t notify the note lnldet', in writ:illg, that I wish to ha'Je a fUe:! rate and pa}Il!le!1t quoced to Illl!. I _t sen1 this request for ql.lOtation after recei~ a l'a)lamt ChalJ&e Notice urder section 7 ani at least 30 days before tn;,Payuent Change !late. (2) Q.Jotation. I.ban it receives my request for quotation, tiE note holder will seal me a notice qoot:lng the f 1:lled rate and payuent l:eiog of fered am the COO\/el'Sioo fee web I will have to pay if I decide to ctlI:1Wrt. The COl1IIel'S:1on. fee will rot exreed ~roent of the L1llp8id pritrlpal balaoce of tiE loan on the p~ Cl:laqJe Date. The oote tnldei:'-wur sen1 this quotation at least 20 rot no lIore than 30 days before the PllyIIlilnt ~ Date. (3) k:cepti~ ~ti<:n and CorMorting. If I wish to oonvert my loon at tiE fixed rate an:! paJIIIBlt quoted to me. I llllSt notify the note holde'r of l!\Y <>a:~aooe in writing. Such notice llllSt l:e received by the note holder at least 15 days bafore the p~ ~ Date ani _t ~ accallpilnied by tiE COO\/etllion fee. (/0) ~K't1w of T1DIc Periods. If tl1a ~ CltrM1ge Notice is oot sent by the oate holder at least 35 da)'S before the ~ 0-. 1Mte, thw each tu. period stated abowi stall be reduced by five days. (D) r.minaticn of Ccuwlmon Option. U the l'1lalId lloate lmex ewr ~ to~ ~re.l or 1lIIde available by RMt" or U rlM\ ew.r ~ ~ _ purd1M1q& 1lol't.p8e l~ on the ba&1s lni rcl1e<:.ted by tiE Fiai &ate lrdoax, then t\Ia ~ opt.lQn 1lha11 tet:lld.tJate ani thit; section 6 sl'iUl cease to haw aqy ~tfect. !lcMNer. if by t;hat t.u.. 1. M'Ill ~ ~ed a quotation aDd C(r(M;!rtEd !II)' 10011, aud; teml.nation ...Ul not atfll<::t _. tV fiB mt:e.wi ~ win, in that event, r.-:l.n L'l full (('rtll.1<li etf<'Ct,