Basis for determining an ARM Loan ARM LoanMortgage Loan with an interest rate that periodically adjusts based on an Index per the Note or Loan Documents. Gross Note Rate Gross Note RateMortgage Loan interest rate stated in the Loan Documents. or entering a Streamlined Treasury Lock Streamlined Treasury LockOptional process permitting you to lock the Index and hold the Investor Spread and Total Credit Fees before entering into either a: Streamlined Rate Lock; or standard Rate Lock per Part IV, Chapter 2: Rate Lock and Committing, Section 202: Obtaining a Rate Lock. on a fixed rate Mortgage Loan Mortgage LoanMortgage debt obligation evidenced, or when made will be evidenced, by the Loan Documents, or  a mortgage debt obligation with a Fannie Mae credit enhancement. , including any required alternative index deemed necessary by Fannie Mae because the prior Index:

• is no longer widely accepted; or
• was replaced as the index for similar financial instruments.