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41% A4411tions to My Unpaid Principal: If I choose to pay the Limited Payment, my y pe be leow than the amount of the interest portion of the monthly payment that would be s y OW wWW principal 1 owe at the monthly payment date in full on the maturity data in substantially equal psymenta, If so, each month that the Limited Payment is We than the inter postim the Nate Holder will subtract the Limited Payment from the amount of the interest portion and will wid the difference to my UW paid pal The Note Holder will also add interest an the amount of this difference to my unpold principal each mouth. The interest rate on the interest added to principal will be the rata rewired by Section A131 11111 Link on My Unpaid Principal: Increased Monthly Payments; Illy unpaid principal can new exceW a amount maximum equal to one hundred twenty-five percent 1125%) of the principal amount I originally - My unpaid principal could exceed that maximum amount if 1 pay a Limited Payment. If so, on the date that my paying my Limited Payment would cause me to exceed that limit, I will instord,begin paying a now monthly payment until the next rate change date. The now monthly payment will be in an amount which would be sufficient to repay my then unpaid principal in full on the maturity date at my current interest rate in substantially equal payments. 110) Required Full Payment: Beginning with the first monthly payment after the final Rate Change Date, I will pay the Full Payment as my monthly payment. B. LOAN CHARGES: It could be that the loan secured by the Security Instrument is subject to a law which sets maximum loan charges and that law is interpreted so that the interest or other loan charges collected or to be collected in con- nection with the loan would exceed permitted limits. If this is the case, then: 11) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and 12) any sums already col- lected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. C. PRIOR LIENS: If Lender determines that all or any part of the sums secured by this Security Instrument are subject to a lien which has priority over this Security Instrument, Lender may send Borrower a notice identifying that lien. Borrower shall promptly secure an agreement in a form satisfactory to Lender subordinating that lien to this Security Instrument. D. TRANSFER OF THE PROPERTY: If there is a transfer of the Property as described in the Security instrument, Lender may require (1) an in- crease in the current Note interest rate. or (2) an increase in for removal of) the limit on the amount of any one interest rate change fif there is a limit), or 13► a change in the Base Index figure, or all of these, as a condition of the Lender's waiving the option to accelerate provided in the Security Instrument. By sighing below. Borrower accepts and agrees to the to and coven Cs contained in this Adjustable Rate Rider. 7 Earl Kiilefer Borrower Chong Sook Killefer Borrower P -•� t a f eaat4N4 �r i`