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r F 89.101980 (5) Q If this box is checked, the interest rate that I pay shall not decrease more than .................... percentage points on.. any Rate Change Date- 0) L•1 yaks box is checked, the interest rate that I pay shall never be more than .....1.2,450.% during the I hs.ve my lose. (7).. 12 If t elm box is checked, the interest rate that I pay shall never be leas than ..�{}.�.._.... �v during the perffid I stave my loan. (8) Q If this box is checked, the principal and interest payment that I pay shall not hmmeme more than ................. percent on any Payment Change Date. (9) 0 If this box is checked, the prindpal and interest payment that I pay shall not decease more tltaut.,� ..... ........... percent on any Payment Change Date 'the N4te Holder will adjust the interest rate. on each Rate Change Date and on each Payment Change:late so. that the change in the interest rate will not be more than Awe lhdtQ marked above: The manthlg*. payment amounts will also change on Payment Change Dates -aa ' provided in the Note. Because payment :'changw may occur lem often than interest rate changes and /or may be subject to certain, limitations dewn'1resl Jh the Note, the monthly Payments quay be insuffidel�t at times to pa ac- cr�ririg interest; 1A. such; cnse;, ei; id.: interest is added to the principal bjbzj a of tbii Nfite and itarlf will Accrete interest thewa£tac.. IIy&z :'Vo ter6svf the Note, the unpaid principal balance .cam never exceed a ii imum amount equal to O -i Hum ` wenty -Five Percent (125 %) of the pMA1 ciga�C` o . � fti�rrowed. - (C) ,'Notice of Changes The Note Holder will mail me a notice by 'Erst class mail of any changes in my interesEr rste and the smut of my montWy payment at It thirty and no more :that► forty -five days )acfsire each Pay�eni Change Date. The notice will include infation required by :a , to be given me and also the title and telephone number of a person who will answer any questions I r�i�y have regarding the notice_ The notice will also include the following in5arrnation: (i) The Fixed Interes Rate I will pay if I choose to evert my loan into a Fixed Interest Rate Loan as described in Secti[ 3 below; (ii) The amount of my new md4ghly payment at the rrwyA Rate of Interest; and NO A date not more than 15 days from the date the notice is given, by which I must execute a Modification Agreement in the Form that Lender may require evidencing the Modi4vall- an of the Nate to provfiLe for a Fixed Interest R:ate,.,and the payment of a conversiaii The as:. desul'bed in Seetfart 4 of'this Rider. (D) Conversion to Fixed Interest Rate The Note Holder will provide the Borrower the option to convert the Adjustable Rate Loan into a Fixed Interest Rate Loan as.- 631lows: 3. CONVERSION TO FIXED INTEREST RATE (A) My Option to Convert I may convert the Adjustable Rate Loan evidenced by a Note of the same date to a Fixed. Interest Rate Win to be fully repaid h.T substantially equal monthly installments of principal and interest over the remaining term of the loan on fhe ....lst,•-2o3,..aad..3rd--......- ........................ Payment Change Dates. (B) My Fixed hate of Iftfamt and "4'fnnthly Payments If I choose to com ert to -a Fixer Rate, the Note Holder will set. the Fixed Rate of Interest at - 30,340 -- .-- .... %. Tn° new ci :ti Fzterest Rate will become effective on the Fw ment Change Date on which I convert to a Fixed 1`nwerestllaze. My monthyy paymeni•,s at the new Fixed Interest Rate will begin as of the first monthly payment after the Payment Change Date. on which I convert. The monthly principal and interest payment will be the amount that is necessary tp repay in full the principal I am expected to owe at that Chango mate in substaniia lly equal payments on the maturity date at my Fired Interest Rate. (C) Required Conversion Fee If I choose to convert to a Fixed Rate, I will be required to pay to the Note Holder a Conversion Fee equai to ...1.5D..........% of the original amount of the loan upon execution of a Modification Agreement. (D) How to Convert If I choose to convert to a Fixed Rate Loan, I will be required to execute a Nladification Agree- ment and pay the required Conversion Fee to the Note Holder within the period set in the Note Holders notice as provided in Section 2 (C) above. If I do not do this within the specified period, I will not have an oion to convert unless I ore exercise another option on other Payment.Change Dates as indicated in Secti pton 3 (A) above. In that case, the interest rate that I will pay will continue to adjust in accordance with Section 2 (B) above. (E) Effectiveness of Provisions Fee, Sectiono3 (A) above hall cease t hbe effective'. Agreement and payment of the required Conver- sion LOAN CHARGES It could be that the loan secured by the Security Instrument is subject to a law which sets maximum !nan charges and that law N interpreted so that the interest or other loan charges collected or to be collected in connection with the loan would exceed permitted limits. If this is the case, then: (A) any such loan charge shall be reduced by the amount necessary to reduce the charge t the }�emvtted limit; and (B) any sums rilready vollected from Borrower which exceeded permitted limits will he refunded to Borrower. 1A. -nder may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. w