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200502951 <br />DOC TD #: 0009051254203005 <br />I will make my monthly payments at <br />P.O. Box 660694, Dallas, TX 75266 -0694 <br />or at a different place if required by the Note Holder. <br />(B) Amount of My Initial Monthly Payments <br />Each of my initial monthly payments until the first Payment <br />listed hangeSDate will (Fein the amount of <br />U.S. $ 509.80 ' unless <br />(C) Payment Change Dates <br />My monthly payment may chang Oa0s6required by Section 3(D) below onvthat day every 12th <br />first day of MAY, <br />month thereafter. Each of these dates is called a "Payment Change Date." different monthly payment. <br />will change at any time Section 3(F) or 3(G) below requires Holder to pay month) payment <br />The "Minimum Payment" is last Payment ChangenDatetor aslprov provided i accept <br />on 3(F) or 3(G) below. If <br />which is determined at the y <br />the Minimum Payment is not sufficient to cover the amount of the interest due then negative <br />amortization will occur. <br />t of my new Minimum Payment each month beginning on each Payment <br />I will pay the amoun <br />Change Date or as provided in Section 3(F) or 3(G) below. <br />(D) Calculation of Monthly payment Changes <br />At least 30 days before each Payment to e D ate, the Prinlcdipalwhatllamaexpected to owe <br />the monthly payment that would be sufficient repay <br />at the Payment Change Date in full an the <br />the Payment Change Date. The aepult of this aca calculation is <br />rate effective during the month preceding h) payment <br />called the "Full Payment." Unless Section 3(F) or 3(G) apply, the amount of my new monthly monthly <br />effective on a Payment Change Date, will not increase by more than ent Ca of <br />am lies only o the <br />payment. This 7.5% limitation is called the "Payment nC escrowlpayments Lender may require under <br />Principal and interest payment and does not apply the Payment Cap by taking the amount of my <br />the Security Instrument. The Note Holder will apply <br />Minimum Payment due the month preceding g the <br />called the "Limited Payment." nUn essl Section 3(F) hor <br />number 1 .075. The result of this calculation 3(G) below requires me to pay a different amount, my new Minimum Payment will be the lesser of the <br />Limited Payment and the Full Payment. I also have the option to pay the Full Payment for my monthly <br />payment. <br />• Payoption MTA ARM Rider Page 3 of 6 <br />1 E310 -XX (12/04) <br />