ARM Disclosures
EARLY ARM DISCLOSURE STATEMENT
Boston Firefighters Credit Union
60 Hallet St
Dorchester, MA 02124
PROGRAM NAME: 3/3 ARM
IMPORTANT LOAN INFORMATION – PLEASE READ CAREFULLY
You should carefully read this disclosure; the promissory note, deed of trust or mortgage; any
riders; and all other documents that you will be asked to sign if you accept an ARM loan.
ADJUSTABLE RATE MORTGAGE MEANS YOUR PAYMENT MAY CHANGE IN THE FUTURE. You are applying for
an Adjustable Rate Mortgage (ARM) loan. This means that your interest rate and monthly payments may
change during the life of your loan. Your monthly payments will increase if the interest rate rises
and decrease if it falls. The date or dates on which changes can occur (referred to in this
disclosure as “Change Date”) will be specified in the ARM loan documents. This ARM is based on the
terms and conditions set forth in this disclosure and in the loan documents. We have based this
disclosure on recent interest rates, index and margin values, discounts, and fees. Ask us for our
current interest rate and margin.
An ARM is different from a fixed-rate mortgage loan. For a fixed-rate loan, the monthly payments of
principal and interest do not change during the life of the loan. You should consider carefully
which type of loan is best for you.
HOW YOUR INTEREST RATE IS DETERMINED. Your interest rate will be determined by means of an index
that may change from time to time.
The Index. The interest rate change on this ARM will be based on an interest rate index (referred
to in this disclosure as the “3YWCMT.”) The Index is . Information about the index is available in
the Federal Reserve Statistical Release H-15 (www.federalreserve.gov/releases/h15).
Interest Rate. Your interest rate is based on the Index value plus a margin, rounded to the nearest
0.125 percent. A change in the Index generally will result in a change in the interest rate. The
amount that your interest rate may change also may be affected by the periodic interest rate change
limitations and the lifetime interest rate limits, as discussed below.
Initial Interest Rate Discount. Your initial interest rate will be discounted and will not be based
on the Index used to make later adjustments. You should note, however, that because your initial
interest rate will be discounted, your interest rate may increase on the first Change Date even if
the Index remains the same or decreases. Ask us for the amount of the current interest rate
discount.
Interest Rate Adjustments. Your interest rate under this ARM can change after 36 month(s) and every
36 months thereafter. Your interest rate cannot increase or decrease more than 2.000 percentage
points at first adjustment and 2.000 percentage points per subsequent adjustment from the initial interest rate excluding any buy down. Your interest rate will never be greater than 6.000 percentage points above the initial interest rate or lower than 3.000.
HOW YOUR PAYMENTS ARE DETERMINED. Your initial monthly payment of principal and interest will be
determined based on the interest rate, loan term, and balance when your loan is closed. Your
payment will be set to amortize the loan over a period of 360 payments.
Frequency of Payment Changes. Based on increases or decreases in the Index, payment amounts under
this ARM loan can change after 36 month(s) and every 36 months thereafter. However, your monthly
payment amount could is a change in the taxes, assessments, insurance premiums, or other charges
required to be made into an escrow or impound account.
Limitations on Interest Rate Payment Changes. Your interest rate will not increase or decrease on
the first change date by more than 2.000 percentage points from the initial interest rate excluding
any buydown. After the initial adjustment period, your interest rate will not increase or decrease
by more than 2.000 percentage points per year. Your interest rate cannot increase more than 6.000 percentage points above the initial interest rate (excluding any buydown) over the life of the loan.
Adjustment Notices. You will be notified at least annually if interest rate changes occur. When an
interest rate change will also involve a change in your monthly payment, you will be notified in
writing (at least 25 calendar days, but not more than 120 calendar days) before the payment at the
new level is due. The notice will indicate the adjusted payment amount, interest rate, Index value,
and the outstanding loan balance at the time.
HOW YOUR PAYMENT CAN CHANGE (“Worst Case Scenario”). Your payment can change every 36 month(s)
based on changes in the loan term, interest rate, or loan balance. For example, on a $10,000 loan
with a 360- month term and an initial rate of the maximum amount that the interest rate can rise
under this ARM program is 6.000 percentage points above the initial interest rate and the payment
can rise from a first-year payment of $ to a maximum of $52.91 in the 10th year.
To see what your payment would be, divide your mortgage amount by $10,000, then multiply the
monthly payment by that amount. For example, the monthly payment for a new loan amount of $60,000
would be $60,000 divided by $10,000 = 6. Multiply the payment amount by this number, e.g. 6 x $ = $
PREPAYMENT. You may pay this ARM loan in whole or part without penalty at any time. If you are
paying more than your regularly scheduled payment, you must notify us as to how you want the funds
applied.
DEMAND FEATURE. This loan does not include a demand feature.
DISCLOSURES FOR OTHER ARM PROGRAMS are available on request.
BORROWER ACKNOWLEDGEMENT
After having read the contents of the above disclosure, I/we acknowledge receipt of this disclosure
and further acknowledge that this disclosure was completed in full prior to its receipt. I/we also
acknowledge receipt of the handbook entitled “Consumer Handbook on Adjustable Rate Mortgages.”
Date
Date
EARLY ARM DISCLOSURE STATEMENT
Boston Firefighters Credit Union
60 Hallet St
Dorchester, MA 02124
PROGRAM NAME: 5/5 ARM
IMPORTANT LOAN INFORMATION – PLEASE READ CAREFULLY
You should carefully read this disclosure; the promissory note, deed of trust or mortgage; any
riders; and all other documents that you will be asked to sign if you accept an ARM loan.
ADJUSTABLE RATE MORTGAGE MEANS YOUR PAYMENT MAY CHANGE IN THE FUTURE. You are applying for
an Adjustable Rate Mortgage (ARM) loan. This means that your interest rate and monthly payments may
change during the life of your loan. Your monthly payments will increase if the interest rate rises
and decrease if it falls. The date or dates on which changes can occur (referred to in this
disclosure as “Change Date”) will be specified in the ARM loan documents. This ARM is based on the
terms and conditions set forth in this disclosure and in the loan documents. We have based this
disclosure on recent interest rates, index and margin values, discounts, and fees. Ask us for our
current interest rate and margin.
An ARM is different from a fixed-rate mortgage loan. For a fixed-rate loan, the monthly payments of
principal and interest do not change during the life of the loan. You should consider carefully
which type of loan is best for you.
HOW YOUR INTEREST RATE IS DETERMINED. Your interest rate will be determined by means of an index
that may change from time to time.
The Index. The interest rate change on this ARM will be based on an interest rate index (referred
to in this disclosure as the “5YWCMT.”) The Index is . Information about the index is available in
the Federal Reserve Statistical Release H-15 (www.federalreserve.gov/releases/h15).
Interest Rate. Your interest rate is based on the Index value plus a margin, rounded to the nearest
0.125 percent. A change in the Index generally will result in a change in the interest rate. The
amount that your interest rate may change also may be affected by the periodic interest rate change
limitations and the lifetime interest rate limits, as discussed below.
Initial Interest Rate Discount. Your initial interest rate will be discounted and will not be based
on the Index used to make later adjustments. You should note, however, that because your initial
interest rate will be discounted, your interest rate may increase on the first Change Date even if
the Index remains the same or decreases. Ask us for the amount of the current interest rate
discount.
Interest Rate Adjustments. Your interest rate under this ARM can change after 60 month(s) and every
60 months thereafter. Your interest rate cannot increase or decrease more than 2.000 percentage
points at first adjustment and 2.000 percentage points per subsequent adjustment from the initial interest rate excluding any buy down. Your interest rate will never be greater than 6.000 percentage points above the initial
interest rate or lower than 3.000.
HOW YOUR PAYMENTS ARE DETERMINED. Your initial monthly payment of principal and interest will be
determined based on the interest rate, loan term, and balance when your loan is closed. Your
payment will be set to amortize the loan over a period of 360 payments.
Frequency of Payment Changes. Based on increases or decreases in the Index, payment amounts under
this ARM loan can change after 60 month(s) and every 60 months thereafter. However, your monthly
payment amount could change more frequently if there is a change in the taxes, assessments,
insurance premiums, or other charges required to be made into an escrow or impound account.
Limitations on Interest Rate Payment Changes. Your interest rate will not increase or decrease on
the first change date by more than 2.000 percentage points from the initial interest rate excluding
any buydown. After the initial adjustment period, your interest rate will not increase or decrease
by more than 2.000 percentage points per year. Your interest rate cannot increase more than 6.000 percentage points above the initial interest rate (excluding any buydown) over the life of the loan.
Adjustment Notices. You will be notified at least annually if interest rate changes occur. When an
interest rate change will also involve a change in your monthly payment, you will be notified in
writing (at least 25 calendar days, but not more than 120 calendar days) before the payment at the
new level is due. The notice will indicate the adjusted payment amount, interest rate, Index value,
and the outstanding loan balance at the time.
HOW YOUR PAYMENT CAN CHANGE (“Worst Case Scenario”). Your payment can change every 60 month(s)
based on changes in the loan term, interest rate, or loan balance. For example, on a $10,000 loan
with a 360- month term and an initial rate of the maximum amount that the interest rate can rise
under this ARM program is 6.000 percentage points above the initial interest rate and the payment
can rise from a first-year payment of $ to a maximum of $48.27 in the 16th year.
To see what your payment would be, divide your mortgage amount by $10,000, then multiply the
monthly payment by that amount. For example, the monthly payment for a new loan amount of $60,000
would be $60,000 divided by $10,000 = 6. Multiply the payment amount by this number, e.g. 6 x $ = $
PREPAYMENT. You may pay this ARM loan in whole or part without penalty at any time. If you are
paying more than your regularly scheduled payment, you must notify us as to how you want the funds
applied.
DEMAND FEATURE. This loan does not include a demand feature.
DISCLOSURES FOR OTHER ARM PROGRAMS are available on request.
BORROWER ACKNOWLEDGEMENT
After having read the contents of the above disclosure, I/we acknowledge receipt of this disclosure
and further acknowledge that this disclosure was completed in full prior to its receipt. I/we also
acknowledge receipt of the handbook entitled “Consumer Handbook on Adjustable Rate Mortgages.”
Date
Date
EARLY ARM DISCLOSURE STATEMENT
Boston Firefighters Credit Union
60 Hallet St
Dorchester, MA 02124
PROGRAM NAME: 10/1 ARM
IMPORTANT LOAN INFORMATION – PLEASE READ CAREFULLY
You should carefully read this disclosure; the promissory note, deed of trust or mortgage; any
riders; and all other documents that you will be asked to sign if you accept an ARM loan.
ADJUSTABLE RATE MORTGAGE MEANS YOUR PAYMENT MAY CHANGE IN THE FUTURE. You are applying for
an Adjustable Rate Mortgage (ARM) loan. This means that your interest rate and monthly payments may
change during the life of your loan. Your monthly payments will increase if the interest rate rises
and decrease if it falls. The date or dates on which changes can occur (referred to in this
disclosure as “Change Date”) will be specified in the ARM loan documents. This ARM is based on the
terms and conditions set forth in this disclosure and in the loan documents. We have based this
disclosure on recent interest rates, index and margin values, discounts, and fees. Ask us for our
current interest rate and margin.
An ARM is different from a fixed-rate mortgage loan. For a fixed-rate loan, the monthly payments of
principal and interest do not change during the life of the loan. You should consider carefully
which type of loan is best for you.
HOW YOUR INTEREST RATE IS DETERMINED. Your interest rate will be determined by means of an index
that may change from time to time.
The Index. The interest rate change on this ARM will be based on an interest rate index (referred
to in this disclosure as the “1YCMT.”) The Index is . Information about the index is available in
the Federal Reserve Statistical Release H- 15 (www.federalreserve.gov/releases/h15).
Interest Rate. Your interest rate is based on the Index value plus a margin, rounded to the nearest
0.125 percent. A change in the Index generally will result in a change in the interest rate. The
amount that your interest rate may change also may be affected by the periodic interest rate change
limitations and the lifetime interest rate limits, as discussed below.
Initial Interest Rate Discount. Your initial interest rate will be discounted and will not be based
on the Index used to make later adjustments. You should note, however, that because your initial
interest rate will be discounted, your interest rate may increase on the first Change Date even if
the Index remains the same or decreases. Ask us for the amount of the current interest rate
discount.
Interest Rate Adjustments. Your interest rate under this ARM can change after 120 month(s) and
every 12 months thereafter. Your interest rate cannot increase or decrease more than 2.000
percentage points at first adjustment and 2.000 percentage points per subsequent adjustment from the initial interest rate excluding any buy down. Your interest rate will never be greater than 5.000 percentage points above the initial interest rate or lower than 3.000.
HOW YOUR PAYMENTS ARE DETERMINED. Your initial monthly payment of principal and interest will be
determined based on the interest rate, loan term, and balance when your loan is closed. Your
payment will be set to amortize the loan over a period of 480 payments.
Frequency of Payment Changes. Based on increases or decreases in the Index, payment amounts under
this ARM loan can change after 120 month(s) and every 12 months thereafter. However, your monthly
payment amount could change more frequently if there is a change in the taxes, assessments,
insurance premiums, or other charges required to be made into an escrow or impound account.
Limitations on Interest Rate Payment Changes. Your interest rate will not increase or decrease on
the first change date by more than 2.000 percentage points from the initial interest rate excluding
any buydown. After the initial adjustment period, your interest rate will not increase or decrease
by more than 2.000 percentage points per year. Your interest rate cannot increase more than 5.000 percentage points above the initial interest rate (excluding any buydown) over the life of the loan.
Adjustment Notices. You will be notified at least annually if interest rate changes occur. When an
interest rate change will also involve a change in your monthly payment, you will be notified in
writing (at least 25 calendar days, but not more than 120 calendar days) before the payment at the
new level is due. The notice will indicate the adjusted payment amount, interest rate, Index value,
and the outstanding loan balance at the time.
HOW YOUR PAYMENT CAN CHANGE (“Worst Case Scenario”). Your payment can change every 12 month(s)
based on changes in the loan term, interest rate, or loan balance. For example, on a $10,000 loan
with a 480- month term and an initial rate of the maximum amount that the interest rate can rise
under this ARM program is 5.000 percentage points above the initial interest rate and the payment
can rise from a first-year payment of $ to a maximum of $39.74 in the 13th year.
To see what your payment would be, divide your mortgage amount by $10,000, then multiply the
monthly payment by that amount. For example, the monthly payment for a new loan amount of $60,000
would be $60,000 divided by $10,000 = 6. Multiply the payment amount by this number, e.g. 6 x $ = $
PREPAYMENT. You may pay this ARM loan in whole or part without penalty at any time. If you are
paying more than your regularly scheduled payment, you must notify us as to how you want the funds
applied.
DEMAND FEATURE. This loan does not include a demand feature.
DISCLOSURES FOR OTHER ARM PROGRAMS are available on request.
BORROWER ACKNOWLEDGEMENT
After having read the contents of the above disclosure, I/we acknowledge receipt of this disclosure
and further acknowledge that this disclosure was completed in full prior to its receipt. I/we also
acknowledge receipt of the handbook entitled “Consumer Handbook on Adjustable Rate Mortgages.”
Date
Date
EARLY ARM DISCLOSURE STATEMENT
Boston Firefighters Credit Union
60 Hallet St
Dorchester, MA 02124
PROGRAM NAME: Investment 3/3 ARM
IMPORTANT LOAN INFORMATION – PLEASE READ CAREFULLY
You should carefully read this disclosure; the promissory note, deed of trust or mortgage; any
riders; and all other documents that you will be asked to sign if you accept an ARM loan.
ADJUSTABLE RATE MORTGAGE MEANS YOUR PAYMENT MAY CHANGE IN THE FUTURE. You are applying for
an Adjustable Rate Mortgage (ARM) loan. This means that your interest rate and monthly payments may
change during the life of your loan. Your monthly payments will increase if the interest rate rises
and decrease if it falls. The date or dates on which changes can occur (referred to in this
disclosure as “Change Date”) will be specified in the ARM loan documents. This ARM is based on the
terms and conditions set forth in this disclosure and in the loan documents. We have based this
disclosure on recent interest rates, index and margin values, discounts, and fees. Ask us for our
current interest rate and margin.
An ARM is different from a fixed-rate mortgage loan. For a fixed-rate loan, the monthly payments of
principal and interest do not change during the life of the loan. You should consider carefully
which type of loan is best for you.
HOW YOUR INTEREST RATE IS DETERMINED. Your interest rate will be determined by means of an index
that may change from time to time.
The Index. The interest rate change on this ARM will be based on an interest rate index (referred
to in this disclosure as the “3YWCMT.”) The Index is . Information about the index is available in
the Federal Reserve Statistical Release H-15 (www.federalreserve.gov/releases/h15).
Interest Rate. Your interest rate is based on the Index value plus a margin, rounded to the nearest
0.125 percent. A change in the Index generally will result in a change in the interest rate. The
amount that your interest rate may change also may be affected by the periodic interest rate change
limitations and the lifetime interest rate limits, as discussed below.
Initial Interest Rate Discount. Your initial interest rate will be discounted and will not be based
on the Index used to make later adjustments. You should note, however, that because your initial
interest rate will be discounted, your interest rate may increase on the first Change Date even if
the Index remains the same or decreases. Ask us for the amount of the current interest rate
discount.
Interest Rate Adjustments. Your interest rate under this ARM can change after 36 month(s) and every
36 months thereafter. Your interest rate cannot increase or decrease more than 2.000 percentage
points at first adjustment and 2.000 percentage points per subsequent adjustment from the initial interest rate excluding any buy down. Your interest rate will never be greater than 6.000 percentage points above the initial interest rate or lower than 3.500.
HOW YOUR PAYMENTS ARE DETERMINED. Your initial monthly payment of principal and interest will be
determined based on the interest rate, loan term, and balance when your loan is closed. Your
payment will be set to amortize the loan over a period of 360 payments.
Frequency of Payment Changes. Based on increases or decreases in the Index, payment amounts under
this ARM loan can change after 36 month(s) and every 36 months thereafter. However, your monthly
payment amount could change more frequently if there is a change in the taxes, assessments,
insurance premiums, or other charges required to be made into an escrow or impound account.
Limitations on Interest Rate Payment Changes. Your interest rate will not increase or decrease on
the first change date by more than 2.000 percentage points from the initial interest rate excluding
any buydown. After the initial adjustment period, your interest rate will not increase or decrease
by more than 2.000 percentage points per year. Your interest rate cannot increase more than 6.000 percentage points above the initial interest rate (excluding any buydown) over the life of the loan.
Adjustment Notices. You will be notified at least annually if interest rate changes occur. When an
interest rate change will also involve a change in your monthly payment, you will be notified in
writing (at least 25 calendar days, but not more than 120 calendar days) before the payment at the
new level is due. The notice will indicate the adjusted payment amount, interest rate, Index value,
and the outstanding loan balance at the time.
HOW YOUR PAYMENT CAN CHANGE (“Worst Case Scenario”). Your payment can change every 36 month(s)
based on changes in the loan term, interest rate, or loan balance. For example, on a $10,000 loan
with a 360- month term and an initial rate of the maximum amount that the interest rate can rise
under this ARM program is 6.000 percentage points above the initial interest rate and the payment
can rise from a first-year payment of $ to a maximum of $52.91 in the 10th year.
To see what your payment would be, divide your mortgage amount by $10,000, then multiply the
monthly payment by that amount. For example, the monthly payment for a new loan amount of $60,000
would be $60,000 divided by $10,000 = 6. Multiply the payment amount by this number, e.g. 6 x $ = $
PREPAYMENT. You may pay this ARM loan in whole or part without penalty at any time. If you are
paying more than your regularly scheduled payment, you must notify us as to how you want the funds
applied.
DEMAND FEATURE. This loan does not include a demand feature.
DISCLOSURES FOR OTHER ARM PROGRAMS are available on request.
BORROWER ACKNOWLEDGEMENT
After having read the contents of the above disclosure, I/we acknowledge receipt of this disclosure
and further acknowledge that this disclosure was completed in full prior to its receipt. I/we also
acknowledge receipt of the handbook entitled “Consumer Handbook on Adjustable Rate Mortgages.”
Date
Date
EARLY ARM DISCLOSURE STATEMENT
Boston Firefighters Credit Union
60 Hallet St
Dorchester, MA 02124
PROGRAM NAME: Investment 5/3 ARM
IMPORTANT LOAN INFORMATION – PLEASE READ CAREFULLY
You should carefully read this disclosure; the promissory note, deed of trust or mortgage; any
riders; and all other documents that you will be asked to sign if you accept an ARM loan.
ADJUSTABLE RATE MORTGAGE MEANS YOUR PAYMENT MAY CHANGE IN THE FUTURE. You are applying for
an Adjustable Rate Mortgage (ARM) loan. This means that your interest rate and monthly payments may
change during the life of your loan. Your monthly payments will increase if the interest rate rises
and decrease if it falls. The date or dates on which changes can occur (referred to in this
disclosure as “Change Date”) will be specified in the ARM loan documents. This ARM is based on the
terms and conditions set forth in this disclosure and in the loan documents. We have based this
disclosure on recent interest rates, index and margin values, discounts, and fees. Ask us for our
current interest rate and margin.
An ARM is different from a fixed-rate mortgage loan. For a fixed-rate loan, the monthly payments of
principal and interest do not change during the life of the loan. You should consider carefully
which type of loan is best for you.
HOW YOUR INTEREST RATE IS DETERMINED. Your interest rate will be determined by means of an index
that may change from time to time.
The Index. The interest rate change on this ARM will be based on an interest rate index (referred
to in this disclosure as the “3YWCMT.”) The Index is . Information about the index is available in
the Federal Reserve Statistical Release H-15 (www.federalreserve.gov/releases/h15).
Interest Rate. Your interest rate is based on the Index value plus a margin, rounded to the nearest
0.125 percent. A change in the Index generally will result in a change in the interest rate. The
amount that your interest rate may change also may be affected by the periodic interest rate change
limitations and the lifetime interest rate limits, as discussed below.
Initial Interest Rate Discount. Your initial interest rate will be discounted and will not be based
on the Index used to make later adjustments. You should note, however, that because your initial
interest rate will be discounted, your interest rate may increase on the first Change Date even if
the Index remains the same or decreases. Ask us for the amount of the current interest rate
discount.
Interest Rate Adjustments. Your interest rate under this ARM can change after 60 month(s) and every
36 months thereafter. Your interest rate cannot increase or decrease more than 2.000 percentage
points at first adjustment and 2.000 percentage points per subsequent adjustment from the initial interest rate excluding any buy down. Your interest rate will never be greater than 6.000 percentage points above the initial interest rate or lower than 3.500.
HOW YOUR PAYMENTS ARE DETERMINED. Your initial monthly payment of principal and interest will be
determined based on the interest rate, loan term, and balance when your loan is closed. Your
payment will be set to amortize the loan over a period of 360 payments.
Frequency of Payment Changes. Based on increases or decreases in the Index, payment amounts under
this ARM loan can change after 60 month(s) and every 36 months thereafter. However, your monthly
payment amount could change more frequently if there is a change in the taxes, assessments,
insurance premiums, or other charges required to be made into an escrow or impound account.
Limitations on Interest Rate Payment Changes. Your interest rate will not increase or decrease on
the first change date by more than 2.000 percentage points from the initial interest rate excluding
any buydown. After the initial adjustment period, your interest rate will not increase or decrease
by more than 2.000 percentage points per year. Your interest rate cannot increase more than 6.000 percentage points above the initial interest rate (excluding any buydown) over the life of the loan.
Adjustment Notices. You will be notified at least annually if interest rate changes occur. When an
interest rate change will also involve a change in your monthly payment, you will be notified in
writing (at least 25 calendar days, but not more than 120 calendar days) before the payment at the
new level is due. The notice will indicate the adjusted payment amount, interest rate, Index value,
and the outstanding loan balance at the time.
HOW YOUR PAYMENT CAN CHANGE (“Worst Case Scenario”). Your payment can change every 36 month(s)
based on changes in the loan term, interest rate, or loan balance. For example, on a $10,000 loan
with a 360- month term and an initial rate of the maximum amount that the interest rate can rise
under this ARM program is 6.000 percentage points above the initial interest rate and the payment
can rise from a first-year payment of $ to a maximum of $50.47 in the 12th year.
To see what your payment would be, divide your mortgage amount by $10,000, then multiply the
monthly payment by that amount. For example, the monthly payment for a new loan amount of $60,000
would be $60,000 divided by $10,000 = 6. Multiply the payment amount by this number, e.g. 6 x $ = $
PREPAYMENT. You may pay this ARM loan in whole or part without penalty at any time. If you are
paying more than your regularly scheduled payment, you must notify us as to how you want the funds
applied.
DEMAND FEATURE. This loan does not include a demand feature.
DISCLOSURES FOR OTHER ARM PROGRAMS are available on request.
BORROWER ACKNOWLEDGEMENT
After having read the contents of the above disclosure, I/we acknowledge receipt of this disclosure
and further acknowledge that this disclosure was completed in full prior to its receipt. I/we also acknowledge receipt of the handbook entitled “Consumer Handbook on Adjustable Rate Mortgages.”
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