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After the initial fixed-rate period of a hybrid ARM, the interest rate of each mortgage in an ARM pool or loan package is subject to an annual adjustment, based on the eligible index options. The H-15 Release dates for the quarterly interest rate change listed above must be used when adjusting pool or loan package interest rates. See Chapter 26, section 2-A.3(a) of the Ginnie Mae Mortgage Backed Securities Guide for additional information.