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Payment example for a $485,350 30 year term with an initial 4.596% APR and with maximum periodic rate increases: $2352.25 per month at an interest rate of 4.125% for the first 5 years; $2867.77 per month at an interest rate of 6.125% for years 6-10; $3345.60 per month at an interest rate of 8.125% for years 11-15; $3550.02 per month at an interest rate of 9.125% for years 16-30.