; (iii) during the third year in which payments are due, the interest rate on the instrument shall increase to 5.5 percent for the remainder of the loan, beginning at the end of the third year; (iv) during the fourth year in which payments are due, the interest rate on the instrument shall increase to 6.5 percent for the remainder of the loan, beginning at the end of the fourth year; (v) during the fifth year in which payments are due, the interest rate on the instrument shall increase to 7.5 percent for the remainder of the loan, beginning at the end of the fifth year; (vi) during the sixth year in which payments are due, the interest rate on the instrument shall increase to 8.5 percent for the remainder of the loan, beginning at the end of the sixth year; (vii) during the seventh year in which payments are due, the interest rate on the instrument shall increase to 9.5 percent for the remainder of the loan, beginning at the end of the seventh year