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200502951 DOC ID #: 0009051254203005 (E) Additions to My Unpaid Principal Since my monthly payment amount changes less frequently than the interest rate, m d Mnri muhm monthly payment is subject to the payment limitations described in Section 3(D), Y yment Payment could be less than or greater than the amount of the interest portion of the date monthly full the that would be sufficient to repay the unpaid Principal I owe at the monthly payment Maturity Date in substantially equal payments. For each month that my monthly payment is the less than the interest portion, the Note Holder he subtract t the my unpaid Principal, pal, monthly and interest will accrue on the of the interest portion and will amount of this difference at the interest rate rthe INota Holder will apply the payment has tprovided hin payment is greater than the interest portion, Section 3(A). (F) Limit on My Unpaid Principal; Increased Monthly Payment to My unpaid Principal can never exceed he ° /Ma Maximum Principal equal I ONE HUNDRED FIFTEEN percent Payments originally borrowed. My unpaid Principal the Maximum payi Ig Minimum twould and interest rate increases. In that event, cause me to exceed that limit, I will instead pay a new monthly payment. This means that my monthly payment may change more frequently annually and payment amounchanges t gat would be sufficiendtbo the 7.5% Payment Cap. The new Minimum Y repay my then unpaid Principal in full on the Maturity Date in substantially equal payments at the current interest rate. (G) Required Full Payment On the fifth Payment Change Date and on each Minimum Palnmenft until myemothly payment thereafter, I will begin paying the Full ay henFull Payment as myyMinimum Payment on the final changes again. I also will begin paying Payment Change Date. (H) Payment Options additional After the first Interest Ra th g Lender may provide me which are with calledt�Payment)Options." I payment options that are greater may be given the following Payment Options; nt that would pay the interest portion of the monthly (i) Interest Only Payment: the amou payment at the current interest rate. The Principal balance will not be decreased by this Payment Option and it is available r the Minimum l (ii) Fully Amortized Pa y nt: the amountnecessary to pay the loan off (Principal interest) at the Maturity Date in substantially equal payments. a the loan off (Principal (iii) 15 Year Amortized Payment: the amount necessary top y and interest) within a fifteen (15) year term from the first payment due date in substantially equal payments. This monthly payment amount is calculated on the assumption that the current rate will remain in effect for the remaining term. • Payoption MTA ARM Rider Page 4 of 6 1 E310 -XX (12/04)