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<br />    	..     yAnclp6#u�Q.l�j$test whtsh woulC.Da ntxcsseryto ttpay�fi�tin�aid tidncipal pa(qrnp In Nlt et tEp t�fudty dato �     �
<br />       	{  �t iYie new intetat ntailitnJgh iubst�ukWly eya�l paymenu?[n,mdJ118'auch r+ISU1+RiG�►�1.ender wIQ up t4p
<br /> `		uhp9ldptlnci"  6alaiue`whlihivouidfxogeddnt6n'(AuingeDUOitNnroheaholbnQdetwttiripi�ln�et4R(� 		_  ..
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<br />  	'       Awrow.moetfli    '  �i{n! rinc� "     tntorEs6•						- -    		---  _
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<br />  � .   		(FlNatkbdtCM�{a								,
<br />       		Leridei w111 glPo noHqp to FortcWe�of 9t�y cAange In Iho Interest rato end pwmhty pqyh�ait�rtw�in� 1Tq
<br />  		nollce inu�t be given pt tcaat li d9y�bcforo tha new mnn�hly payment nnannt ia due;end must�ct fo,ryh p2�hp  		_
<br /> ,   _      ,      dqfp ot Rhe�rotloe.{Ip ihe.Ghenge A§fe;piq the old Intprat rero,flv)tho�aw tniersat rpfe;(4)the hcw Pponl fh y
<br />  		pqyment enfount,(W)the CUmeht iMox pnd Ihq deto it waa puClfahfd,(v1I)the mc�Aod oLcelatatlng�ha elungo
<br />   �       	lo mOntfity paymen�amounh end(Wiry any aher Infomudon wdich may Do rcyul�ad by Iew fram Umo ro dme.
<br />       		(Ol EKective Uato of CAanga     			�
<br />			A hew Intereat �ate wlculatcd ir e000rdmce wi�h paregnpda S(Gry end SN) of thia Noto will 6eOVme 	•
<br />  		ettecttve on the Chmge Dete.Bo[rower ehdl meke a peymont in�he n°w moathly amount beginning on tlie tint-
<br />  		payment dete which aow�e at Iwt ZS dayi aftu Lendu has given Borrowu the notice ot changea rcqulttd by
<br />  		pazagroph 3(Iry ot thla Note. Borrower nhell heve no obtigedon to p"ay eny incrcase In the monihly payfilnt
<br />  		emount caleuleted In a000rdance wlth pareg�aph SB)of thia Nom for eny payment dete oavrriag lese Nan 17
<br />  		daye aRer[.ender hav giveo the required iaNce.It the monthty payment amount calaleted In eaordence with
<br />  		pazag�aph 1(6)oi�hle Noro decreased,but I.endu failed to give timely naice of tha decrcase end Dorrowet und0
<br />  		my monthly payment amouma oxceeding tAe payment amount which�hould have been steted In a Hmety nodte,
<br />  		t�en Bortowu he�the opflon to either(i)demend�he rctum ro Bortower of eny exoeas payment, with Intuat
<br />  		Nereon at�he Note rero(a mte equd ro eha intercat rete which ehould have bxn efeted in a tlmely notico),or(Iry       	_.___
<br />   		requa[ thet any exoese paymen[, wtih imcrcst thereon at tho Noro rate, be epplted es payment of principal.
<br />   		Lendu'e obligetlon lo retum any exocse payment with imerest on demend i�not auignable even if thfa Note ia
<br />   		!4M!!91eel�1$t1�J Mfnre the demand for rctum la mnde.    								.,_.—.._
<br />       		BY SIdN[NU BBIAW.Bom_wer ecapta ud egrces to the�ertro and covenanu conteined in this AdJusuble       	^  � �
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