in effect for the period immediately preceding the Rate Change Date, as applicable. Amortization Period 360 months. [Select only one:] Amortization Type Amortizing  Partial Interest Only  The published Index that is effective on the Current Index (45th) day before the HYARM Conversion Date and the applicable Rate Change Date. Effective Date _______________, 20___ The first day of _________________, 20___. [Insert the calendar month and year immediately First Payment Change Date following the HYARM Conversion Date. For example: If the HYARM Conversion Date is June 1, 2017, then the First Payment Change Date is July 1, 2017.] The first day of _________________, 20___. [For example: If the Effective Date is June 1, 2017, then the First Payment Date will be July 1, 2017. If the First Payment Date Effective Date is any day in June, 2017 other than June 1, 2017, then the First Payment date will be August 1, 2017.] The first day of _________________, 20___. [First Principal and Interest [Insert the calendar month and year immediately Payment Date] following the Last Interest-Only Payment Date, which [APPLICABLE ONLY FOR date must not be later than the First Payment Change PARTIAL INTEREST ONLY Date. For example: If the Last Interest-Only Payment AMORTIZATION TYPE] Date is June 1, 2017, then the First Principal and Interest Payment Date is July 1, 2017.] Fixed Rate _______________% per annum. The first day of _________________, 20___. HYARM Conversion Date [Insert the calendar month that is sixty (60) months (for a five (5) year fixed rate term), eighty-four (84) months
in effect for the period immediately preceding the Rate Change Date, as applicable. Amortization Period 360 months. Amortization Type [Select only one:]  Amortizing  Partial Interest Only Current Index The published Index that is effective on the (45th) day before the HYARM Conversion Date and the applicable Rate Change Date. Effective Date _______________, 20___ First Payment Change Date The first day of _________________, 20___. [Insert the calendar month and year immediately following the HYARM Conversion Date. For example: If the HYARM Conversion Date is June 1, 2017, then the First Payment Change Date is July 1, 2017.] First Payment Date The first day of _________________, 20___. [For example: If the Effective Date is June 1, 2017, then the First Payment Date will be July 1, 2017. If the Effective Date is any day in June, 2017 other than June 1, 2017, then the First Payment date will be August 1, 2017.] [First Principal and Interest Payment Date] [APPLICABLE ONLY FOR PARTIAL INTEREST ONLY AMORTIZATION TYPE] The first day of _________________, 20___. [Insert the calendar month and year immediately following the Last Interest-Only Payment Date, which date must not be later than the First Payment Change Date. For example: If the Last Interest-Only Payment Date is June 1, 2017, then the First Principal and Interest Payment Date is July 1, 2017.] Fixed Rate _______________% per annum. HYARM Conversion Date The first day of _________________, 20___. [Insert the calendar month that is sixty (60) months (for a five (5) year fixed rate term), eighty-four (84) months
6102.hyarm.docx