ˈɪntɹɛst ɪz ɹᵻkwˈaɪɚd təbi pˈeɪd sˈoʊlli ɪn kˈaɪnd ɔːɹ θɹuː ɐ kˌɑːmbᵻnˈeɪʃən ʌv kˈæʃ ænd ɪn kˈaɪnd ˈɪntɹɛst, ænd mˈeɪ ʃˈɪft tʊ ˈɔːl kˈæʃ æɾə ɡˈɪvən pˈɔɪnt ɪn tˈaɪm, bˌʌt ˈɔːl ʌv ðɪs ɪz pɹɪdɪtˈɜːmɪnd ænd ɐɡɹˈiːd əpˌɑːn æɾ ˈɪʃuːəns.
Interest is required to be paid solely in kind or through a combination of cash and in kind interest, and may shift to all cash at a given point in time, but all of this is predetermined and agreed upon at issuance.