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r,� - . _. ,. . . �..., . .��. -.. - - - � - _,._^. ._ . ��w �V..��fid (E)Caks�lrtion oi PMyment Cba�n If the intccest rate chsnge� on A Changa Date. Lender wil!calcWato the amaunt of inonthly payment ot pri��c'spal arcd i�tcrwt�Ihfcl:rlould b;. nr�.�r,y�o tepay ttte ttn�r+i�!pflrts:ipn!balnnce In fnll m the muturity clate , Yt the new intetest ra�e thcrwgh rubst�a�t{Ally equal paymenta. fa making such calculusion. l.ender will uso the unpatd princJpal balancc which wAUld be owed on the Chonge Dato if there hud baen na default in pnyrt►ent on the Note.rodncbd by the c+raount of any pnpaymente ta prinsipal.The result of!his culculation will bc tha amount of tdc aew monihlY paYmcnt of principal and in�trest. �E')Notiec a!Clesa9ges __ Lender wI{!give natice to Horrower of cuiy chnnge in the interest rate and moathly puyment umount. The notice rt,ust be�iven at leust 25 days before t6e rtew monthly puyment amount is dne.and must sct forth (i) t�e date of thc cottce.(it)Uie Ctissu�ge Dau, (iii)the old Intensi rate.(iv)the new iaterest rnte. (v)the new moatiily payment umount.(vi)the Cument Indez uctd the dute tt was published,(vii)tha method af calculating the change ' in montlily payment am�atnt.und(vili)actiy ott:er informadon which may bo requ3red by luw from dme W ame. (G)Etftc�ive Ih�te of L'iwmges ° A new inunst rate calculated in acrordance wlth puragr+phs 5(C) and S(U) of this Note wfll become effectIvc on the Chungc Date. Sonower slwil malce u puyment in�he new nonthly amount beginning on tUe tZrst payment dau whtch occurs nt teast ZS days after i.ender has gtven Borrower the nodce of changes requireci by pa:agmph 5(E� of ihls Note. Borrower shall have no obligation w psy eny Increa�e in the montlily payment ' amount cnlculated ia uccordance with paragcaph S(E)of this Note for any payment date occurr3ng less then 2S • days etter Lender has given the required notice. If the monthly payment amouat c�culated in accordance with ' parngraph S(B)of this Note decrr.ased.but Lender fulled to give timely rtotice of the decrease and Borrower mside uny monthly payment amounts exceeding the payment amount which shoWd have bcen stated in a timely notice, then Borrower has the option to either(i) demand the retum to Borrower of nny excess payment. with interest thereon ut the Note mte(u rnte equnl to the interest rate which should have been stnted in a timely rtotice).or(ii) m�est �hat any exc�.,s �r��cr�t. wit� iriter�t�,at thc Z3uta rste, be sp�li�! as gaym�t Qf grinc��+a � L,ender's obli�ttian to retum s�ny excess pay�nent with IMerest on demnnd is not assignable�ven if th€s Note is � qtherwise asslgieed befone the demand for return is made. BY SI(lNAVa BELOW.Borrower accepts and agc�ees to the terms arid covsnants conteined in this Ad3ustabte [tate Rider � �� / � �A 2-0?41-�2 H; �/ Seu!) �_ CHRIS P WOODVARD •B�^�� KEELY K Y if00 ARD -��cr �. eseai) �Seap '_ -Butrowcr -Bomnwer [:: t -- [Sp�ce Below'Idb Line Reserved for Ackoowk�dgme�] !�_ ff b- :`' �' Pp�9ot7 1 _ � � �� _ _- _ - R�-�- _.._ - - -- - ::i�a.;- -- -� — --- - -_ ;F_�-R .. , '__'__, __ _ �k�l.ii3�T�d^aus'.martiuv_ -_ -�ll��_. ._. . . �+r..vz. --_.._ _. __. _ - c^w+ "�-_iYY'°.. :._. .. .' . -.�-��.__�..c��i--�rra��vYrnv�r..Y�.L`SR`:�T-n� l��T^_�'�1T _ ��.`N�.�v:'t•_,. • ' , . ' - ._--__" _ '-_-_-"____—____y9uX�IRVYAIl�iRM� _ .• ' , � ... _.aa�r'.-.-.ir��mcv_u^��£' _ _�-. .. �___._ __ _ — - -�F3'H��J�' .. . . . �. - ---_-_ ___ — — _ ___m w1�.� .r• �! .... __—� - - - __ — -_--wl+_FitV`J�.� � . . �.waw�.w��r �roar�� �-.,.��...��..��...�-.�� .�. �e._. . ��.�r...-_� _. �.��..�-�.. -_._ -�--� �-��_�a�a�. . . . ___—_ -- __ Cti[��.�t�V � _ .._ . _ _ � _ -� —" ,�a��r ..:- . .� ------ --- -�'a��t ;.�: ..,, , ---_--_____-_----=- �I�..r'� .. . .'� - � > - --- ------'-�_._� —�� --- ;��_�;•.`r'�. �_ ... � . _ ,..�� TSi -�----- - - _.��IDS1LC..+YIE�lcCi�l:G�--- --- - ----- S`- �'�� "n... . .. .---- �_. - ---_-�.— _ - --�. _--_ - - - ��31t�I�•.�� t) -- - _ ---_—_ — °=__��':f':i:fii;�: " - - -____ =.n'`61. _ . �{ �SMlCy�l.l°'� �f� j -��-�t.� , - . ,_.•f• ,�,...TI,��t-� ��-+� . - -� . 7rT-.. ' . 3��ti1 '�I e ��{.i � -i y r_ .;L' ' ��.,t , ..Y.t� � �� ' •_. �en �yS�.fa._x,�9�7� ��_ �ie�i} _ _11"" , t . _. ,��.•Ss__. d .s. 1 �,g •rMi. -�r�. I�Z�^1 ��' -�'� `� .� .�-,;.'"'rn FP :.f,f � . ; . . +,�s�a.�'c�li-t r�:_,..�u��h�.� _ n ia:lu.�. %� _._ _ . �•�.'�.� - _+�i��:-L:� --.t _ ,. .