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200209585 <br />(B) Default <br />If I do not pay the full amount of each biweekly or monthly payment on the date it is due, I will be in <br />default. I also will be in default if I do not maintain the account I am required to maintain under Section 3(C) <br />above. <br />(C) Termination of Biweekly Payments <br />If I am in default for three consecutive Biweekly Payments, the Note Holder may terminate my right to <br />make Biweekly Payments under this Note. If the Note Holder terminates my Biweekly Payments, I will <br />instead pay all amounts owed under this Note by making one payment each month on the first day of the <br />month. <br />The Note Holder will determine the amount of my monthly payment by calculating the amount that <br />would be sufficient to repay all amounts owed under this Note in full on the Maturity Date in substantially <br />equal payments. Beginning with the first day of the month after the month in which I am given notice of <br />termination, I will pay the new amount as my monthly payment until the Maturity Date. <br />B. BIWEEKLY PAYMENT AMENDMENTS TO THE SECURITY INSTRUMENT <br />1. Until Borrower's right to make Biweekly Payments is terminated under the conditions stated in <br />Section A of this Biweekly Payment Rider, the Security Instrument is amended as follows: <br />(a) The word "monthly" is changed to "biweekly" in the Security Instrument wherever "monthly" <br />appears. <br />(b) In Uniform Covenant 3 of the Security Instrument ( "Funds for Escrow Items "), "12" is <br />changed to "26." <br />2. If Lender terminates Borrower's right to make Biweekly Payments under the conditions stated in <br />Section A of this Biweekly Payment Rider, the amendments to the Security Instrument contained in Section <br />B1 above shall then cease to be in effect, and the provisions of the Security Instrument shall instead be in <br />effect without the amendments stated in this Biweekly Payment Rider. <br />DOC 4:326953 <br />dM®886R (0005) <br />APPL #:0016198445 <br />Page 3 of 4 <br />LOAN #:0016198445 <br />Initials: <br />A Form 31771/81 <br />