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200602890 (E) Calculation, of Payment Changes The Note Holder will determine the amount of the monthly payment that would be sufficient to repay the unpaid principal that I am expected to owe at the Interest Change Date in full by April 1, 2046 at my new interest rate in substantially equal payments. The result of this calculation will be the new amount of my monthly payment. I understand that this loan is a balloon loan and that if I pay only my monthly payments, I will have a final balloon payment due on the Maturity Date of April 1, 2036 (F) Effective Date of Changes My new interest rate will become effective on each Interest Change Date. I will pay the amount of my new monthly payment beginning on the first monthly payment date after the Interest Change Date until the amount of my monthly payment changes again. (G) Notice of Changes The Note Holder will deliver or mail to me a notice of any changes in my interest rate and monthly payment as required by law. The notice will include the amount of my monthly payment, any information required by law to be given to me and also the title and telephone number of a person who w'ill answer any question I may have regarding the notice. B. TRANSFER OF THE PROPERTY OR A BENEFICIAL INTEREST IN BORROWER The Section of the Security Instrument titled "Transfer of the Property or a Beneficial Interest in Borrower" shall read as follows: (1) Until my initial fixed interest rate changes to an adjustable interest rate under the terms stated in Section A above, the section of the Security Instrument titled "Transfer of the Property or a Beneficial Interest in Borrower" shall read as follows: Transfer of the Property or a Beneficial Interest In Borrower. As used in this Section, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) w'ithout Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by applicable law. FIXED/ADJUSTABLE RATE BALLOON RIDER WSJ SIX MONTH LIBOR HC 54205.6 DDS-BR2 (3of5) >>~ f. ;:: (?cX,()