In advertising an adjustable rate mortgage, can we still disclose the payment streams based on 17(c) commentary where we would disclose the fixed rate payment and period and for the remaining term of the loan disclose the payments based on the index plus margin as of a certain date. We would also take into account the annual caps in determining the number of payment streams and payments.

Or do we have to disclose based on 37(c) or 38(c)?